Imali mboleko yosuku lokukhokha ngaphakathi kwe-Usa
Amashumi ayisishiyagalombili % yemalimboleko yesikhashana ibuye ibolekwe ngenyanga, futhi ngaphezu kwamashumi amahlanu pc kuzo zonke izimali mboleko zesikhashana kufakwa okungenani imalimboleko emithathu noma ngaphezulu eyengeziwe. Amanye amathemba asebenziselwa imali mboleko yosuku lokukhokha noma imalimboleko yesitolimende kungadingeka ukuthi athumele eminye imibhalo njengomphumela wokugcina wombuso kanye nenqubo yokufaneleka. Imali mboleko yesitolimende noma yosuku lokukhokha ingabiza ngokukhohlisa. Amakhasimende aqhutshwa ababolekisi abadlayo ukuze baqhubeke nokubolekwa kwabo kaninginingi. Ukusetshenziswa kokubolekwa kwezinsuku zokukhokha kulawulwa kancane kancane kungabe kusaba khona, kodwa-ke akucaci ukuthi indawo abantu abanezindlela ezinesizotha lapho bezothola khona imali mboleko yesikhashana. Yingakho sithuthukise isisefo sethu, Izimalimboleko Zokusiza Zosuku Lokukhokha ezibiza ngentengo ephansi. I-APR ejwayelekile yemalimboleko yesihloko semoto e-Illinois yile 197%, ngokuya ngezibalo ezivela eMnyangweni Wezimali Nezezobuchwepheshe wase-Illinois.
Njengoba phambilini uSt. Ucwaningo lukaLouis Fed ludumile, abantu abaningi babonakala benobudlelwane benzondo yothando nabo. “Kuya ngomthetho wakho wezwe, wembulelwe izikweletu zempahla, Amalevi we-akhawunti yasebhange nokuhlobisa amaholo,”Kusho uBovee. imalimboleko yosuku lokukhokha, ungakhokha isikweletu sakho esingaphansi kwesikwelede noma ufake ifayili lokuqothuka uma kwenzeka imali yakho ekweletwayo ingaphezu kwamandla.
Ababolekisi Bosuku Lokukhokha Basebenza Ngabantu Abasha
Thola izibuyekezo mayelana nokuthengiswa kweMoneytree, ukunikezwa nokukhushulwa. Lapho nje amaphepha wakho wokuqinisekisa imalimboleko etholakele, imvume ithatha imizuzu kuphela. Le weblog ichaza ezomnotho zansuku zonke, ihlola izihloko zamakhasimende nezixazululo ze-Fed FAQs. Iphinde ikhanyise abantu nezinhlelo zokusebenza ezenza iSt. Louis Fed maphakathi nohlelo lwezezimali lwaseMelika. INerdWallet ikusiza ukuthi uhlale usezingeni eliphezulu lezimali ezizayo futhi ubone ukwehla kwesikweletu sakho. Imikhiqizo eminingi noma yonke evezwe lapha ivela kozakwethu abasinxephezelayo.
Wonke umuntu obolekayo unenqubomgomo yakhe yokuvuselela, okungahluka kumuntu obolekisayo. Thola intuthuko yosuku lokukhokha esitolo noma ngohlelo oluku-inthanethi ku- 5 uthi. Inani lemali mboleko kaMax libalwa ngesimo nebanga kusuka $50-$1,500. Thola ukufinyelela ngokushesha kwezimali ezisesitolo noma zosuku lwebhizinisi olulandelayo ngokuvunyelwa ku-inthanethi. Le femu yethula imalimboleko yosuku lokukhokha kanye neyetayitela ezifundazweni eziyisishiyagalombili futhi inesikhathi esichazayo sokushintsha 24 amahora.
- Inqubo yethu yokuvunywa iyashesha futhi imvamisa ifezwa ngosuku olufanayo noma ngosuku olulandelayo.
- I-APR ifaka noma yiziphi izimali nezindleko zangaphambili, okwenza kube lula ukubheka imalimboleko yangasese eceleni.
- Ababolekisi ngokuvamile abazihlolisisi izindaba zezikweletu zokufaneleka kwempahla engabanjiswa.
- Njengoba kade ngisebenza kusukela lapho 2014, I-Rise Credit inikeza izimalimboleko ezilinganiselwe kusuka ku- $500 to $5,000, futhi isebenza ku 28 uthi kuwo wonke amazwe ahlangene
Sivumela ukuthi uzulazule ngokuthengiselana okuphelele kweBitcoin nokuhlinzeka ngoqeqesho nezeluleko zokuqonda okungcono ngendlela enhle kunazo zonke. Lesi sixhumanisi sikuyisa kuwebhusayithi engaphandle noma uhlelo lokusebenza, ezingaba nobumfihlo kanye nezinqubomgomo zokuphepha ezihluke ngokuphelele kune-U.S. Asazi ukuphatha noma ukuphatha imikhiqizo uqobo, izinkampani noma okokuqukethwe okutholakala lapho. Funda ngemizamo yethu yokusiza ngemali ye-COVID-19, kufaka phakathi usizo lwempahla kanye nezinhlelo zosizo lwe-auto mortgage. Ishadi elivela esikhashana esigunyaziwe esidlangalaleni, Hollins v Capital Solutions Investments Inc, ikhombisa ukuthi imali engakanani umboleki ayithathile nokuthi bagcine bekweleta ini.
Faka isicelo sempahla ebanjiswa nge-Payday esekwe kuwebhu Noma
In 2006, ICongress iphasise umthethonqubo obala inani lentengo ngonyaka 36 % ukuthi ababolekisi bangakhokhisa amalungu ebutho. Ngisho nale mithetho nemizamo yokuvimba ngisho nokuhweba, ababolekisi basathola izikhala. Inani lamazwe lapho umsebenzi wababolekisi bezinsuku zokukhokha wehlile, kusuka esiqongweni sayo ku- 2014 kwamashumi amane nane athi 36 e 2016. Ukulawulwa kwentengo e-United States kudale izinhlawulo ezingahlosiwe.
Ifemu ayinacala elifihliwe, akukho zinhlawulo ezikhokhwa kusengaphambili nezinketho zezindleko eziningi. Inkampani iletha izaphulelo zamanani kumakhasimende afanelekayo abuyayo.
Imalimboleko ejwayelekile $1000 noma ngaphansi futhi inenzalo ephezulu kakhulu yenzalo. Lezi zimali mboleko zibizwa nangokuthi ukuthuthukiswa kwemali noma ukubolekwa kwemali yokuhlola. Ababolekisi bezinsuku zokukhokha nabahlukene bamadola amancane bahlinzeka abantu ababoshwe ngemali encane, isikhathi esifushane, inzalo ephezulu. IHuman Rights Watch ithole ukuthi abantu abaningi basebenzise imali ebolekisiwe ukukhokhela izidingo eziyisisekelo. Imali, izinhlawulo, nezinye izintengo ezihlobene imali mboleko enesikweletu esibi eduze kwami kulezi zimali mboleko kungaholela ekukhuleni ngokweqile, isilinganiso senzalo yamadijithi amathathu. Lapho abantu benenkinga yokukhokha imali mboleko yabo, bangahle bathathe imali mboleko entsha yokwengeza amawindi wokubuyisela. Izinhlawulo zemali ekhokhwa emuva kanye nezindleko zokuphinda ubole kungadala imali kubhaluni, ukuphoqa abanye ukuthi bakhethe phakathi kokukhokha imali abayibolekile nokuthenga izidingo.
Lesi sinxephezelo singaveza ukuthi kanjani, indawo nokuthi imikhiqizo ibukeka kanjani. I-Bankrate.com ayihlanganisi zonke izinkampani noma yonke imikhiqizo etholakalayo. Uzokwazi nokungena kusevisi ye-SpotMe, okungakuvumela ukuthi usebenzise i-akhawunti yakho ngokweqile ngokungangako $100 ngaphandle kwenkokhiso. Lapho inkokhelo yakho elandelayo ifika, I-Chime izodonsa njalo inani olibhalise ngokweqile. Lesi sici singakusiza uphile kuze kube semholweni wakho olandelayo. Okwamanje kunikezwa ngemodeli yamahhala ye-akhawunti yabo, kodwa kuzodingeka ukhokhe u- $ 4.ninety nine we-akhawunti ye-premium ukuze ufake izinketho eziningi. Ngenhlanhla, kunesivivinyo samahhala sezinsuku ezingama-30 sokuxazulula ukuthi uyayithanda noma cha uyayithanda insizakalo eyenele ukuyikhokhela.
