Zvikwereti zvisina cheki cheki
Iyo isina cheki cheki yemunhu chikwereti mhando yechikwereti iyo isingade kunyatso kuferefetwa kiredhiti kiredhiti yako panguva yekunyorera maitiro. Izvi zvinoreva kuti nhoroondo yako yechikwereti haisi chinhu chekubvumirwa nechikwereti. Zvisinei, hapana chikwereti chekutarisa chikwereti hachivimbisi kubvumidzwa. Kunyangwe iwe kana kwete iwe unokodzera zvinoenderana nezvimwe zvinhu, senge mari kana chibvumirano chekuchengetedza chikwereti.
Hapana cheki cheki chikwereti chinganzwika chakanyanya kunaka kuti chive chechokwadi, uye ndizvo. Ivo vanowanzo kuve zvikara zvinoparadza zvine yakanyanya yakakwira mitero yemitero uye mubhadharo. Zvizhinji zvakare zvinoda kuti iwe uise mune chimwe chinhu chakakosha, senge rako rinotevera rekubhadhara kana zita remota, kuti uwane chikwereti.
Kana iwe uine yakaipa kiredhiti, ichokwadi kuti iwe haugone kukodzera kune akawanda asina kuchengetedzwa zvikwereti. Kazhinji, iwe uchazoda chikwereti mamaki e600-660 mashoma. Asi kune akawanda ane mbiri mabhangi, senge Wells Fargo uye PNC , iyo inopa isiri-yechikara yakachengetedzwa zvikwereti zvevanhu vane yakaipa kiredhiti kana zvirinani. Kana, kana iwe ukanyorera rubatsiro rweanosaina-kusaina, iwe unogona kushandisa yako kiredhiti kukodzera kune isina kuchengetedzwa chikwereti.
Pazasi iwe unowana ruzivo pamusoro pemhando dzeasina chikwereti chekutarisa chikwereti chiripo, pamwe chete nehunhu hwavo uye njodzi dzinobatanidzwa. Iwe unogona zvakare kuona dzimwe nzira dzinokubatsira iwe kukumbira chikwereti chine njodzi shoma uye mamiriro ari nani.
4 vakweretesi vakanakisa vasingape zvikwereti
Zvikwereti zvemunhu pasina chikwereti. Zvezvikwereti Zvechimbichimbi Hapana Chikwereti Cheki Kana iwe uchida mari yechimbichimbi, unogona kunge usina nguva yekuvaka chikwereti usati wanyorera chikwereti. Heano mamwe maitiro echikwereti ekufunga.
- Earnin : Kana iwe uchishandira kana uchigamuchira mabhenefiti ekushaya basa uye ukazadzisa zvimwe zvinodiwa, Earnin inogona kunge iri sarudzo yakanaka yemari diki kuti ikubatsire iwe kusvika kune yako inotevera yekubhadhara. Iyo Earnin app inofambira mberi vatsva vanokwereta kusvika kumadhora zana (uye dzokorora vatengi kusvika kumadhora mazana mashanu). Izvo zvakare hazvibhadharise zvinoda mari kana mubereko, pachinzvimbo iwe unopa zvaunofunga kuti zvakanaka.
- nenguva : Uyu mukweretesi anoti iwe unokwanisa kukodzera usina nhoroondo yechikwereti uye unopa zvese zvakachengetedzwa uye zvisina kuchengetedzeka zvikwereti zvemunhu. Oportun inoti ichaongorora chikwereti chako, asi zvakare inofunga zvimwe zvinhu. Iyo kambani inoshuma nhoroondo yako yekubhadhara kumahofisi echikwereti, saka inogona kukubatsira iwe kuvaka chikwereti nemari yakakwana uye ne-yenguva.
- Stilt : Uyu mukweretesi anotarisa pakupa zvikwereti kune vanobva kune dzimwe nyika uye vasina kuchengetedzwa. Iwe unogona kunyorera kunyangwe iwe usati uine yekuchengetedzeka nhamba parizvino. Iyo kambani inoti inoongorora ruzivo senge ruzivo rwako rwebasa, mari uye maitiro emari.
- Brigit : Kana iwe usine hanya nemari yepamwedzi yemitezo yehunhengo, Brigit anokufambisira mberi kusvika kumadhora mazana maviri nemakumi mashanu. Iyo app inopawo maficha senge yemutengo tracker uye otomatiki kufambira mberi kana iwe ukafungidzira uri munjodzi yekuwedzeredza account yako uye unoda kukurumidza mari.
Kwamunogona kuwana chikwereti pasina cheki cheki
Kune nzvimbo dzinoverengeka kwaunogona kuwana isina chikwereti chekutarisa chikwereti. Ivo vanosanganisira vanopa zuva rekubhadhara, zvitoro zvepawn, vanopa zita remota, uye shamwari kana mhuri. Hapana chimwe chazvo chakakodzera.
| Mukweretesi | Nei zvine ngozi |
|---|---|
| Mubhadharo wezuva | Yakawandisa mhindu, deredza mari yako inotevera |
| Pawnshop | Chimbadzo chakakwira, unogona kurasikirwa neako pfuma |
| Mutungamiriri wemota anokweretesa | Kunyanya kufarira kwakanyanya, unogona kurasikirwa nemotokari yako |
| Vehukama kana shamwari | Zvinogona kukuvadza hukama hwako kana ukasatevedzera |
Wezuva Rekubhadhara:
Vazhinji vanopa zuva rekubhadhara vanoshambadza kuti havana cheki yechikwereti yekutenderwa. Asi idzi mhando dzevanokweretesa dzinoshamisa zvisizvo. Ivo vanokupa iwe mari yemari, kazhinji madhora mazana mashanu kana mashoma, kuti ubhadhare neyako inotevera yekubhadhara. Asi iwe unofanirwa kubhadhara mari dzakakwira dzinowanzoenzana ne400% APR. Saka kwete chete iwe unenge uine chikwereti chakanyanya kudarika zvinonzwisisika mumari yemari, asi yako inotevera mubhadharo unotova nechunk hombe yacho. Dzivisa zvikwereti zvemunhu chero zvodini.
Pawnshop:
Zvitoro zvepawn zvave kunyanya kufarirwa munguva pfupi yadarika nenhamba hombe yezvazvino zviratidzo zveTV zvinoenderana nazvo. Kana iwe ukabata chimwe chinhu chakakosha, uyo anokweretesa anokupa iwe 20% kusvika 60% yemari yayo yemari sechikwereti. Chitoro chinochengeta icho chinhu asi hachichitengese kwenguva yakati, kazhinji mwedzi yakati wandei. Kana muridzi wechinhu akabhadhara chikwereti, pamwe chete nemubhadharo wemwedzi (2% kusvika 25% kana kudarika, zvichienderana nenyika), vanodzosera chinhu ichocho. Kana zvisiri, chitoro chepawn chinogona kuchitengesa.
Wemusoro wemota anokweretesa:
Vatapi ava vanopa zvikwereti zvaunofanira kushandisa zita rako remota (chitupa chinoita kuti uve muridzi wemutemo zviri pamutemo) sechibatiso. Mukudzoka, mukweretesi anotendera iwe kukwereta pakati pe25% uye 50% yemutengo wemota, inozobhadharwa mumazuva gumi nemashanu kusvika makumi matatu nemubhadharo wakaenzana kusvika pa25% yemari yakweretwa. Izvi zvikwereti zvinotangira pamadhora zana kusvika pamadhora mazana mashanu nemazana mashanu, paavhareji (dzimwe nguva $ 10,000 +), sekureva kweFederal Trade Commission.
Kana iwe usingakwanise kubhadhara chikwereti mukati menguva yakatarwa, mukweretesi anogona kuendesa pamusoro kumwedzi unotevera. Izvi zvinokupa iwe mumwe mwedzi kuti uzvibhadhare, mukutsinhana nemimwe miripo yemwedzi. Pakupedzisira, kana iwe ukaipeta kakawanda, mukweretesi anogona kutora yako mota. Dzivisa izvi zvikwereti.
Zvikwereti kubva kumhuri / shamwari:
nhengo yemhuri kana shamwari haina kugona kunyatso tarisa chikwereti. Uye ivo vanogona kunge vachida kukupa iwe chikwereti kunyangwe kana kiredhiti kako kwakaipa. Nekudaro, zvakakosha kubata chikwereti chakadai sehunyanzvi sezvaungaita chikwereti chebhangi.
Scams: Nehurombo, vamwe havana chikwereti cheki cheki zvikwereti zvinodhura. Kana iwe ukakumbirwa kuti uite imwe mhando yemubhadharo usati wagamuchira yako chikwereti, iwo muhombe mutsvuku mureza. Kana vakasazivisa mitengo yavo, iyo zvakare iri mureza mutsvuku. Iwe unofanirwa kutsvaga kambani kuti uone kana ichokwadi iri kambani iri pamutemo; Semuenzaniso, iwe wakanyoreswa sebhizinesi mudunhu rako here? Uye kana webhusaiti yako isina https (zvinoreva kuchengetedzeka) muURL, haudi kuisa chero ruzivo rwemunhu.
Dzimwe nzira pasina chikwereti cheki cheki
Hapana cheki cheki chikwereti chinowanzo dzivirirwa zvakanyanya sezvo iwe kazhinji uchizopedzisira uchibhadhara zvisina musoro mwero wepamusoro. Nekudaro, kune nzira dzinoverengeka dzekuti kunyangwe vanhu vane yakaipa kiredhiti vanogona kuwana chikwereti chakaringana.
- Yakavimbiswa pachako zvikwereti: Panzvimbo pekuyedza kutora chikwereti chinodya kubva kune asina kujeka mukweretesi anozokubhadharisa mibairo mikuru yemitero, sarudza chikwereti chakachengetedzeka kubva kune akakweretesa akasimba. Mamwe emabhangi epamusoro anopa akachengetedzeka zvikwereti zvemunhu ndeye Wells Fargo, PNC, Fifth Third Bank, uye KeyBank. Nepo mukweretesi achizotarisa yako kiredhiti, iwe unofanirwa kunge uchikwanisa kubvumidzwa nechikwereti chakaipa nekuti uchafanirwa kupa chibvumirano.
- Co-siginecha: Cosigner mumwe munhu anotora mutoro wechikwereti chako. Mukweretesi anoshandisa chikwereti chemunhu iyeye nemari yaanowana kuti asarudze kuti vobvumidza kana kuti kwete. Uye kana iwe usingakwanise kubhadhara izvo zvinofambiswa munzira, mubati-siginecha anofanira kubhadhara mari yacho. Kana iwe uchikwanisa kuwana mumwe munhu ane yakanaka kiredhiti uye yakagadzikana mari uyo ari kuda kusaina-kusaina, saka haufanire kunge uine dambudziko kubvumidzwa kune chisina kuchengetedzwa chikwereti.
- makadhi echikwereti asina cheki yechikwereti: vanhu vane yakaipa kiredhiti vane dzimwe kadhi rechikwereti sarudzo. Yokutanga kuvhura kadhi akachengetedzwa kiredhiti , iyo inokupa iwe yakanakisa mukana wekubvumidzwa, asi isingatenderi iwe kukwereta mari. Kana, iwe unogona kuenda kune isina kuchengetedzwa kiredhiti kiredhiti yakaipa, iyo isingazodi dhipoziti asi ichabhadharisa yakakwira fizi. Chekupedzisira, inogona kuve mvumo mushandisi pakadhi rechikwereti remumwe munhu. Munhu iyeye anogona kukubvumidza iwe kukwereta kubva kumutsara wavo wechikwereti.
Ndezvipi zvikwereti zvemunhu hapana cheki cheki?
Mazhinji makambani emunhu anokweretesa anoshanda mukushanda nevakaipa vanokwereta zvikwereti. Asi zvikwereti zvemunhu pasina cheki cheki chimwe chinhu. Vatengesi vanopa zvikwereti izvi vanogona kufunga nezvezvimwe zvinhu zvemari yako, senge rekodhi yenguva dzose yebasa uye kutarisa account, pane kutarisa yakasimba chikwereti. Vamwe vakweretesi vanogona kusanetseka nechero imwe.
Zvikwereti izvo zvisingade cheki chekwereti zvinosanganisira zuva rekubhadhara uye remusoro wechikwereti zita. Panzvimbo pechikwereti chekwereti, vangangoda ruzivo kubhangi account, humbowo hwemari iriko, uye nhamba inoshanda yefoni.
Izvi zvikwereti zvinowanzove nenguva pfupi yekubhadhara, kazhinji kubva pamasvondo mashoma kusvika pamwedzi. Payday zvikwereti hazvina kuchengetedzwa uye kazhinji zvinofanirwa kubhadharwa pasati rave zuva rekubhadhara. Zvikwereti zvemota, kune rumwe rutivi, zvinochengetedzwa nemusoro wemota yako.
Vatengesi vanopa zuva rekubhadhara uye remusoro wechikwereti zita vanogona zvakare kupa pfupi-yenguva pfupi zvikwereti zvemunhu zvinobvumidza inokwana mwedzi mishoma kubhadhara chikwereti. Izvi zvikwereti zvenguva pfupi zvinopihwa nezuva rekubhadhara uye zita remota vanokweretesa mari vanowanzove nemitero yakawanda, asi iwe unogona kunge uine gore rekubhadhara chikwereti.
Chii chekuchengetedza mupfungwa nezvako zvikwereti pasina chikwereti cheki
Vakweretesi vanoita cheki cheki vanoita saizvozvo kuti vaone kuti akakwereta ane njodzi zvakadii uye nekumisikidza chikwereti chemari yemari zvichienderana.
Kana pasina chaicho cheki yechikwereti yakabatanidzwa, zvinoreva kuti mukweretesi ari kutora njodzi huru kuti akupe mari, uye iwe unogona kazhinji kutarisira mwero wepamusoro wemubhadharo uye mubhadharo mukudzoka. Payday zvikwereti, semuenzaniso, zvinogona kuva nemari dzemari dzinotangira kubva pamadhora gumi kusvika pamadhora makumi matatu emadhora ese zana iwe aunokwereta, ayo anokwana kusvika pagore muzana muzana kusvika kusvika mazana mana muzana (kana kutopfuura).
Nemitero yakakwira uye mubhadharo uye nenguva pfupi yekubhadhara, unogona kunamatira muchikwereti uko iwe unomanikidzwa kutora zvikwereti zvitsva kuti ubhadhare zvekare. Kana izvi zvikaitika, unogona kupedzisira wabhadhara mari imwe chete uye chimbadzo kasingaperi pasina kubvisa chikwereti. Uye nechikwereti chemotokari, unogona kana kurasikirwa nemotokari yako kana ukasakwanisa kubhadhara chikwereti.
Mune ongororo yakaitwa neConsumer Financial Protection Bureau, iyo agency yakaona kuti vanodarika makumi masere muzana emubhadharo wezuva rebhadharo vanokwereta zvakare, kana kudzoreredza, mukati memazuva makumi matatu, uye vanopfuura makumi mana kubva muzana evanokweretesa mazuva ekubhadharira vanokwereta Pamhepo vanobhadhara zuva rezvikwereti vanokwereta vanopedzisira vatadza.
Chekupedzisira, vamwe vakweretesi vanopa zvikwereti izvi havazotaure chero chezvavanodzosera kumabasa matatu makuru evatengi echikwereti. Kana iwe ukawana chikwereti chisina kutaurwa, haugone kuchishandisa kuvakazve nhoroondo yako yechikwereti.
mhedziso
Usati watarisa chero mhando yeasina chikwereti cheki chikwereti, izano rakanaka kutanga uve nechokwadi chekuti hauna mukana wekuwana chikwereti chenguva dzose. Mikana yako ingave iri nani kupfuura iwe zvaunofunga, sezvo paine vazhinji vanopa yako zvikwereti vanozofunga vanhu vane yakaipa chikwereti.
Zviri Mukati
- Zvikwereti zvisina cheki cheki
- 4 vakweretesi vakanakisa vasingape zvikwereti
- Kwamunogona kuwana chikwereti pasina cheki cheki
- Wezuva Rekubhadhara:
- Pawnshop:
- Wemusoro wemota anokweretesa:
- Zvikwereti kubva kumhuri / shamwari:
- Dzimwe nzira pasina chikwereti cheki cheki
- Ndezvipi zvikwereti zvemunhu hapana cheki cheki?
- Chii chekuchengetedza mupfungwa nezvako zvikwereti pasina chikwereti cheki
- mhedziso