Dzidza Nzira Yokudzivisa Payday Muchiri Mutezo
Nzira yekuti Payday Loans inoshanda sei
Ngatiti iwe unoda kukwereta $ 100 kusvikira iwe wotevera kubhadhara.
Iwe unyorera chikwereti chekutsvaga kwekutsvaga kwekukwereta kwemari yacho pamwe nemari. Vatengesi vanoverenga mari yemari yekubhadhara chikwereti mune imwe yenzira mbiri: se peresenti yemari yaunokweretesa, sa10%, kana semari yakagadzirirwa ne $ 1 yakweretwa, sa $ 15 ye $ 100 inokweretwa.
Mushure mokunge iwe unyorera cheki, uyo anokupa chikwereti anokupa mari kana kuti anowedzera mari yacho muchikwata chako chekuongorora. Zvadaro, pamubhadharo wako, uyo anokweretesa anotora cheki yako kunze kwekuti iwe uwedzere chikwereti. Wedzerai chikwereti, zvakare chinonzi "kufambisa" chikwereti, chinodhura imwe mari uye inokubvumira kuchengeta chikwereti pane imwe nguva. Iwe unokweretwa mari yaunenge uchiita nguva imwe neimwe paunenge uchipedza chikwereti.
Zuva rei Payday Loan rinodiwa
Ichokwadi Mukukwereta Mutemo inoda vese vanokweretesa, kusanganisira mubhadharo hwekubhadhara chikwereti chekubhadhara mari, kuti vazarure mari yekukwereta nekunyorera usati wasayina chero chibvumirano chekutora chikwereti. Vanofanira kukupai mashoko aya maererano nemari yekubhadhara mari uye APR (gore rega rega rega).
Kunyange mushure mekunge uverenga ruzivo urwu, iwe ungasanzwisisa kuti mari inodhura sei zuva rezvikwereti ndeyechokwadi.
Somuenzaniso, imwe yebhadhadha yemari, Cashcentral.com inokwana $ 17.50 ne $ 100 yakweretwa. Pane chikwereti chemazuva gumi, APR yako inoshanda inenge 640%! Iyi inowanikwa ka15 pane imwe yeiyo inodhura zvikuru kadhi rechikwereti zvisingakwanisi.
Kana iwe wakatora chikwereti chemazuva 14 $ 300 uye usina kukwanisa kuripa kwemwedzi miviri, iwe unopedzisa kubhadhara $ 210 mubhadharo yemari yekubhadhara chikwereti. Chiitiko chakafanana nekadhi rechikwereti chinoguma nechepasi pehafu yebhadharo, kunyange kana iwe wakaguma nekunonoka.
Mushumo we2006 weCent for Responsible Lending unoratidza kuti mubhadharo wekubhadhara unowanzopedza kubhadhara $ 793 mune zvekuda mari ye $ 325. Uyu anokweretesa haatengi mari yepamusoro yepamusoro yemari iyo yakakwirira. Pane kudaro, akakwereta anobhadhara chikamu ichocho pane imwe nguva kuburikidza nekuenderera mberi kwechikwereti.
Vanokwereta vanowanzozviwana vachiwana zvikwereti zvitsva zvezuva rekubhadhara zvikwereti zvekare zvekubhadhara mari uye vachizoguma vachibhadhara zviuru zvemadhora pane izvo zvakatanga sezana mashoma madhora emadhora.
Kutaura pamusoro pevarombo uye vehondo
Kakawanda, nhamba dzinoratidza kuti makadhi emari ekubhadhara chikwereti anotarisira kushandisa vashandi varombo. Iwe hauzowanzowana mabhizimisi emari ekubhadhara chikwereti kumativi ekumusoro-mapoka eguta, uko vatorwa vangakwanisa kubhadhara zvikwereti. Pane kudaro, unovawana munzvimbo dzine urombo uye dzakasviba dzeguta uye pedyo nezvigaro zvehondo. Semuenzaniso, Yahoo Map search yakakonzera 12 mari mberi uye mabhizimusi ekubhadhara chikwereti mumakiromita mashanu e Fort Knox, Kentucky, mushure meuto reUnited States.
Alternatives to Payday Loans
Hazvingava zvakanaka kukanganisa zvachose kubhadhara zvikwereti pasina kupa mamwe maitiro.
- Chikwereti chiduku kubva kubhangi rako kana chikwereti chebato
- Mari inotangira kubva mune kadhi rako rechikwereti (rega kutengesa kune zvakanakisisa mari uye mari)
- Chikwereti chiduku kubva kumunhu wemhuri kana shamwari
- Payday kubva kubva kumushandi wako
- Dambudziko rekubhadhara chirongwa kubva kune vako vane chikwereti
- Kubhadhara chikwereti kuvhengi
- Emergency hardship programs (inowanzopiwa nehurumende yako, dunhu, kana dhipatimendi revanhu reguta)