Imali-mboleko yangaphambi kwemali, ekwabizwa ngokuba yimali mboleko yomhla wokuhlawula, yimali mboleko yexeshana esetyenziswa ngababolekisi ukuhlawulela iindleko ezingxamisekileyo. Imali-mboleko yemali ehlawulwa kwangaphambili ihlawulwa ngumhla olandelayo wokuhlawula.
Imali-mboleko yangaphambi kwemali, ekwabizwa ngokuba yimali mboleko yomhla wokuhlawula, yimali mboleko yexeshana esetyenziswa ngababolekisi ukuhlawulela iindleko ezingxamisekileyo. Imali-mboleko yemali ehlawulwa kwangaphambili ihlawulwa ngumhla olandelayo wokuhlawula. Nangona inkqubela phambili yekheshi ihlala ibonisa inzala ephezulu kunemali mboleko yesiqhelo, ihlala inomdla kubabolekisi kuba banemvume ekhawulezileyo kunye nenkxaso ekhawulezayo.
Ukuqhubela phambili kwemali kwi-Intanethi kukuvumela ukuba uboleke ukuya kuthi ga kwi-5,000 yeedola kwiindawo ezininzi. Inkqubo yokwenza isicelo ilula, ikuvumela ukuba ufumane imali oyifunayo ngokukhawuleza.
Yintoni iMali mboleko yeMali?
Imali mboleko engaphambili yemali, ekwabizwa ngokuba yikhadi letyala kwangaphambili, ivumela umthengi ukuba aboleke imali kwikhadi lakhe letyala. Inkqubo efanayo iyasebenza xa usebenzisa ikhadi lebhanki yakho ukukhupha imali. Into oyenzayo kukufumana imali kwangaphambili.
Nanku umahluko. Ukutsalwa kwamakhadi etyala ngokukhawuleza. Ufumana imali ngokuthe ngqo nangoko nangoko kwiakhawunti yakho yebhanki. Ukuhanjiswa kwemali kwikhadi letyala kufuna ukuboleka imali kwinkampani yekhadi letyala kwaye uyihlawule kamva imali.
Ababolekisi banikezela ngeendlela ezahlukeneyo zokubolekwa kwemali kwangaphambili. Ngelixa izibonelelo zinokwahluka kancinci phakathi kwazo, inkqubela phambili yemali ihlala ifana ngokufana, njengamaxabiso aphezulu enzala kunye neefizi zentengiselwano ephezulu.
Ke, kutheni le nto inkqubela phambili yemali ine-APR ephezulu? Izizathu ezibini: ukunceda kunye nokukhuseleka. Ukuqhubela phambili kwemali kukuvumela ukuba ufumane imali mboleko phantse nanini na, naphi na. Awunakukhathazeka ngokulinda emgceni okanye ukugcwalisa iifom zamaphepha. Endaweni yoko, ungaya kwiATM yakho uze ufumane imali efunekayo kwimali enye yokuthenga.
Okwesibini, imali-mboleko engaphambi kwexesha ayifuni isibambiso njengeenkampani zamakhadi etyala, iibhanki, kunye nabanye ababolekisi, abanokubanga iasethi ukuba awuyibuyisi imali eseleyo. I-APR ephezulu inceda ezi nkampani ukuba zilungelelanise umngcipheko wokubolekwa kwemali kubanini bamakhadi abasemngciphekweni omkhulu. Ngaphezulu kwe-APR, ngakumbi ababolekisi banokuwanciphisa amathuba okuba ababoleki bangabahlawuli.
Iindidi zeNkqubela phambili yeMali
Ukuqhubela phambili kweKhadi letyala
Unokukhetha ezintathu eziphambili zokufumana imali mboleko engaphambili. Ikhadi lokuthenga ngetyala inkqubela phambili njengenye yezona zikhetho zithandwayo kuba banokufikelela ngokulula kunye nesantya. Ungasebenzisa ikhadi lakho letyala ukukhupha imali kwi-ATM okanye kwibhanki ngethuba lentlawulo.
Ngokungafani nokurhoxiswa kwe-ATM yendabuko, uboleka imali kumnikezeli wekhadi letyala. Umbolekisi ukunika imali kunye nenzala kwaye ufuna ukuba uhlawule imali mboleko kwiintsuku okanye iiveki ezimbalwa. Ukuhamba kwemali yekhadi letyala kuhlala kune- $ 2 ukuya kwi-8 yemirhumo yokuthengiselana kunye ne- $ 10 yemfuno yokuthenga encinci.
Qaphela ukuba inkampani yekhadi letyala inokuyithumela imali ngeposi. Umnikezeli wekhadi letyala uya kuthumela iitsheki, ezikwabizwa ngokuba ziitshekhi ezilula, kwisixa-mali esifunekayo ngaphakathi kosuku. Umboleki kufuneka afake imali kwiakhawunti yakhe. Ukutshekishwa kokulula kuza nee-APR ezifanayo kunye namaxabiso okuthengiselana njengenye imali eyimali yekhadi.
Ukuqhubela phambili kweMali
Ukuthengisa kwangaphambili kwemali kusebenza kakhulu njengekhadi letyala kwangaphambili. Ivumela abanini bamashishini enye indlela yokufumana imali xa bemfutshane ngekheshi. Umboneleli wemali ohlawula kwangaphambili unikezela umnini-shishini kwimali mboleko esekwe kwintengiso yeshishini ngeveki okanye ngenyanga.
Ukuhanjiswa kwemali kwangaphambili komrhwebi kuvumela umnini-shishini ukuba aluthintele utyelelo lwemveli ebhankini. Endaweni yoko, banokusebenzisa ithuba elifanelekileyo kunye nesantya sokwenza enye imali kwangaphambili. Imali mboleko yomhla wokuhlawulwa isukela kwi- $ 2,500 ukuya kwi-500,000 yeedola kwaye inamaxesha okuhlawula ukusuka kwiinyanga ezintathu ukuya kwezingama-36.
Ukuba ishishini lakho lifuna imali ngokukhawuleza, ukuqhubela phambili kwemali yomrhwebi kungahambisa imali eyimfuneko ngaphandle kwexesha. Abafuni amanqaku aqinileyo okuthenga ngetyala kwaye banikezela kubanini bamashishini bhetyebhetye kwindlela abayisebenzisa ngayo imali. Kananjalo le fomu yemali mboleko engaphambi kokuba ifune isibambiso ukukhusela intengiselwano.
Nokuba eyona mali ingcono yomrhwebi inemali engathandekiyo kunye nomyinge wenzala kumboleki. I-APR isusela kuma-70% ukuya kuma-200%, nokuba ungayibuyisa imali eseleyo, ayizukunceda amanqaku akho ngetyala. Ukuqhubela phambili kwemali kufuna ukuba ishishini lamkele amakhadi etyala ukuze lifumane imali kwaye linokwenzakalisa ukuhamba kwemali komboleki yonke imihla.
Imali mboleko zomhla wokuhlawula
ICandelo loKhuseleko lwezeMali loMthengi alinayo inkcazo emiselweyo yemali mboleko yomhla wokuhlawula, ekwabizwa ngokuba yinkqubela phambili yomvuzo. Nangona kunjalo, unokulindela amanqaku athile akumgangatho, nokuba ukweliphi ilizwe okanye umbolekisi oyisebenzisayo. Uninzi lwazo lunemigaqo emfutshane yokuhlawula, iifizi eziphezulu, kunye ne-500 yeebhalansi eziphezulu.
Imigaqo nemiqathango ejikeleze ukuhlawulwa kwangaphambili iyahluka ngenxa yemigaqo yelizwe. Umzekelo, amanye amazwe avumela iinkampani ukuba zibize I-APR ephezulu njenge-780% . Amanye amazwe ayivalile imali mboleko yomhla wokuhlawula, kubandakanya:
- IArizona
- IArkansas
- Unxibelelwano
- Jojiya
- EMaryland
- EMassachusetts
- Enew Jersey
- ENew Mexico
- Inew York
- IPennsylvania
- North Carolina
- IVermont
- ENtshona Virginia
Amazwe avumela imvume iimali mboleko zomhla wokuhlawula ukunciphisa umyinge wenzala ukuya kwi-5% ukuya kwi-30%. Olunye unyuso lwenkxaso-mali lukhululwe, luvumela umbolekisi ukuba abize inzala ephezulu. Ngelixa inyani yomanyano kuMthetho wokuBolekisa ifuna ababolekisi bosuku lokuhlawula ukuba baxelele ababolekisi malunga nemirhumo yentengiselwano, abantu abaninzi bayabajonga kuba bafuna imali ngokukhawuleza.
ICandelo loKhuseleko lwezeMali loMthengi Imigaqo ekhululwe Inkqubela phambili yokuhlawula umvuzo ngoFebruwari 2019. Umgaqo urhoxise imimiselo ebhaliweyo yokubhala kunye nokulibaziseka kokuphunyezwa. Phantsi kolawulo lweBiden, iingcali zikholelwa ekubeni olu hlobo lokuqhubela phambili kwemali luya kugcina imithetho engqongqo.
Izinto ezifunekayo kwiNkxaso-mali kwi-Intanethi
Iimfuno zangaphambili ze-intanethi zemali zixhomekeke kumbolekisi. Ezinye iindawo zifuna iakhawunti yokonga, ngelixa ezinye zinemilinganiselo ethile yengqesho. Iimfuno eziqhelekileyo kwizicelo zangaphambili zemali ziquka:
- Inombolo yefowuni
- Idilesi ye-imeyile
- Ukujonga okanye ukugcina iakhawunti
- Idilesi yemeyile
- Ubungqina bengeniso
- Inombolo yoKhuseleko lweNtlalo
- Isazisi esikhutshwe ngurhulumente
Ngaphambi kokuba ufumane imali yakho kwangaphambili, umbolekisi wemali-mboleko yomhla wokuhlawula uya kuthi ugcwalise isicelo esifutshane. Iya kubandakanya ezinye zeekhrayitheriya ezichazwe apha ngasentla, ezinje ngemithombo yakho yengeniso ephindaphindayo kunye nolwazi lokunxibelelana. Nje ukuba ufake isicelo, kuya kufuneka ufumane imvume okanye ukwala i-imeyile ngaphakathi kweeyure ezingama-24.
Abafaki zicelo kufuneka babe ne-18 ubuncinci xa besenza isicelo senkxaso mali. Yiminyaka apho umthetho womanyano uthathela ingqalelo abantu abadala. Amanye amazwe afana neAlabama aneminyaka yobudala ephezulu.
Ukuba ukhetha iinkonzo zebhanki ubuso ngobuso, unokufumana imali kwangaphambili. Kwimeko apho, uninzi lweemfuno zemali mboleko engaphambili zihleli zinjalo. Umahluko ophambili kukuba uyakufuna itsheki emva komhla wentlawulo endaweni yokubonelela ngolwazi lweakhawunti yakho yebhanki.
Ngaba ukuqhubela phambili kwemali kungenzakalisa amanqaku akho eMboleko?
Imali mboleko engaphambi kwexesha inokulimaza amanqaku akho etyala ngeendlela ezimbini. Okokuqala, umgca wekhredithi unokunyusa izinga lokusetyenziswa kwekhredithi yakho ngaphezulu kwe-30%. Eli nani libonisa ukuba ungakanani umjikelo wetyala onalo ovela ebhankini kunye nabaniki bamakhadi etyala abahlulelwe yityala lakho elijikelezayo.
Masithi une- $ 2,500 yokuthenga ngetyala kunye nomgca wekhredithi we-10,000 yeedola. Iqondo lakho lokusetyenziswa kwetyala liya kuba ngama-25%. Njengomthetho wesithupha, iingcali zincoma inqanaba lokusetyenziswa kwekhredithi ngaphantsi kwe-30%.
Ngoku, masithi ingxowa-mali yakho engxamisekileyo iyoma kwaye ufuna i-1,000 yamakhadi okuthenga ngetyala kwangaphambili. Uxanduva lwakho olungekenziwa longezwa kwi- $ 3,500 kodwa ikhredithi yakho iya kuhlala injalo. Ke ngoko, inqanaba lokusetyenziswa kwetyala lakho ngama-35%.
Ngokuka-Experian , Inqanaba lokusetyenziswa kwetyala lakho lenza iipesenti ezingama-30 zenqaku lakho leFICO. Ezantsi ikhredithi yakho engekahlawulwa, ngcono. Ukugqitha kumyinge wama-30% uxelela ababolekisi ukuba uthembele kwiimali ezingezizo ezemali, ezinje ngemalimboleko kunye nokuthengwa kwekhadi letyala.
Okwesibini, ukuhlawulwa kwemali kwangaphambili kunokuthintela ekuhlawuleni ezinye izibophelelo ezingekahlawulwa. Umzekelo, unokuthatha i-1 000 yeedola kwangaphambili nge-APR ephezulu. Nje ukuba imigaqo iphelelwe lixesha, unetyala kumbolekisi nge-1,300. Oko akubandakanyi umrhumo owongezelelekileyo okanye ireyithi ethe tyaba ababolekisi.
Ke, kutheni le nto ibhalansi eyi- $ 1,300? Kulo mzekelo, uhlawula amakhulu amawaka eedola ukuboleka i-1, 000 yeedola. Okubaluleke ngakumbi, imbali yokuhlawula yenza ipesenti ebalulekileyo yamanqaku akho etyala.
Ngokuka-Experian , Imbali yokuhlawula iakhawunti ye-35% yamanqaku akho etyala, okwenza ukuba ibe yeyona nto inzima kakhulu. Ukuba wenza iintlawulo zakho ngexesha, i-bureau yezemali iya kukunika amanqaku akho e-FICO. Nangona kunjalo, ukuba uphose intlawulo, uya kubona ukwehla okungalinganiyo kumanqaku akho eFICO.
Kufuneka isetyenziswe nini imali?
Cinga ngenkxaso mali kwangaphambili njengecebo lokugqibela. Ngelixa kunokuvakala kulinga ukuboleka imali ngetyala, imigaqo kunye neemeko zikubeka kwimeko engathandekiyo. Kuya kufuneka uvume kwimirhumo ephezulu yokuthengiselana kunye neerhafu zenzala ukuze ufumane imali.
Gcina ukhumbula ukuba inkqubela phambili yemali ayinalo ixesha lobabalo. Awunabunewunewu bomjikelo opheleleyo wokuhlawula ukuba uhlawule isixa osityalayo. Inzala iqala ukuqokelela ngokukhawuleza nje ukuba imali ibethe iakhawunti yakho yebhanki.
Uninzi lwabantu abafumana imali kwangaphambili bafuna imali ngokukhawuleza. Mhlawumbi umvuzo wabo olandelayo awuzukufika kwenye iveki kwaye banamatyala onyango ngenxa yanamhlanje. Ababoneleli ngemali kwangaphambili benza kube lula ukukhusela imali ngexesha elincinci kunye nomzamo.
Ngelixa inkqubela phambili yemali inezibonelelo zayo, abanini bamakhadi kufuneka bakulumkele oko bakunqwenelayo xa beboleka. Ababoneleli benza ukuboleka kube lula ukuze bafumane inzuzo yokubuyela umva. Imirhumo yentengiselwano ethe xhaxhe kunye namaxabiso enzala anokubeka abathengi kwimeko embi yezemali kunasekuqaleni.
Ngaba ungayifumana iMali mboleko yomhla wokuHlawula ngetyala elibi?
Ewe unokukhusela kwangaphambili imali ngetyala elingaphantsi kokugqibeleleyo. Ukuqhubela phambili kwemali kunokuba lolona khetho lunokubakho kubantu abanamatyala amabi. Oko, ngokuyinxalenye, kuba ababoneleli basebenzisa uluhlu lweekhrayitheriya ukumisela ukufaneleka komthengi endaweni yokuxhomekeka kumanqaku etyala.
Lungiselela ukuhlawula inzala ephezulu kune-avareji ukuba unamanqaku aphantsi etyala. Ababolekisi basebenzisa imirhumo ephezulu njengendlela yokunciphisa umngcipheko. Inzala ephezulu iqinisekisa ukuba iinkampani zihlala zinenzuzo xa abathengi bengabuyisi imali yabo kwangaphambili.
Enye indlela yokuqhubela phambili ngemali
Imali mboleko zobuqu
Imali mboleko yakho ibonelela ngendlela ebaluleke ngakumbi yokuboleka kunangaphambili, ingakumbi ukuba ufuna ukuthenga ngexabiso eliphezulu okanye ukudibanisa amatyala enzala ephezulu. Unokuboleka imali ethile ebhankini okanye kwimanyano yamatyala ngaphandle kwesibambiso. Le ndlela yenkxaso-mali ikwanamazinga enzala asezantsi (5.99% ukuya 18.85%) kunye namaxesha amade (iinyanga ezintandathu ukuya kwiminyaka esixhenxe), okwenza kube lula ukuhlawula uxanduva lwakho.
Imali mboleko yesihloko esizenzekelayo
Imali mboleko yesihloko esizenzekelayo ibandakanya ukusebenzisa imoto okanye isithuthi njengesiqinisekiso sokukhusela imali. Uya kufumana ikheshi kwisixa kwaye uyihlawule kumboneleli onomdla. Imali oyibolekayo iya kuxhomekeka kwixabiso lemoto, iAPR, kunye nemigaqo. Ukuba awuyibuyisi imali kunye nenzala, umboneleli unokufaka ibango lesithuthi sakho njengembuyekezo yeenkonzo zabo.
Ababolekisi boontanga
Endaweni yokuya ebhankini okanye kwi-ATM ngemali, ungajika uye kubabolekisi boontanga, okwabizwa ngokuba ngababolekisi be-P2P kunye nababolekisi babahlali. Amaqonga okubolekisa kwi-Intanethi afana noMthi wokuBoleka kunye neProsper makavumele abantu baboleke kwabanye abantu abadibanise imali yabo kunye. Umboleki uxhamla kumazinga enzala asezantsi ngelixa umboleki-mali efumana imbuyekezo ephezulu kunotyalo-mali lwemveli kunye neemveliso zokonga.
Uphengululo kunye neenkcazo ezipapashwe apha zezo zomxhasi kwaye azibonisi mgaqo-nkqubo osemthethweni, isikhundla okanye izimvo zaBabukeli.
