Nezvikwereti zvemunhu oga .
Iko yekweretheni inosangana nekukurumidza kwevashandi vatsva mubhizimusi rega rega. Izvi, kunyanya kutanga, masangano anotarisa kushandira boka risina hanya kana rakasarudzwa nevatsvaga chikwereti. Vaya vatengesi vakagadzira nzira itsva yokunyora pasi uye kuchengetedzwa kwakasiyana-siyana kuitira kuti vape zvikwereti kune vadzidzisi vechidiki vane ruzivo rwakawanda rwekwereti pamwe nevashandi vane ruzivo vane chikwereti chakaora. Izvi zvinogona kubatsira kuderedza kudiwa kwekuchengetwa kwemazuva ekubhadhara uye chikwereti chezvikwereti - chengetedza kuti uone kana chikwereti chako pachacho chiripo muhutano hwako.
Kune vanhu vakasiyana-siyana vakasiyana-siyana vanopa zvikwereti, vamwe vacho vari ivo vezera-ve-peer vakakweretesa , zvinoreva kuti mumwe munhu wenyuwo zvake angave achitsigira chikwereti chako. Hezvino tarisiro kune vamwe vanopa zvikwereti ivo vadzidzisi vechidiki, zviuru zvemakore zvinotarisa kugadzirisa zvikwereti zvevadzidzi, vanhu vanotambura nechikwereti chekwereti chikwereti nevaya vane zvishoma kudarika stellar credit scores.
Zvizhinji zvezvizvi zvingakubatsira iwe mukana wekuona zvinogona kuwanikwa pasina kukuvadza chikwereti chako.
SoFi
Social Finance, iyo inowanzozivikanwa seSoFi, ibhizimisi rezveshamwari-pe-peer rinowedzera mukubatsira vashandi vaduku nekodha mari yekwereti (asi uchapupu hwekuita kune dzimwe nzira).
SoFi inotsvaga basa remunhu, basa razvino, chiremba uye ekoroji pamwe chete nezvimwe zvechidimbu sezvikwereti zvekwereti . SoFi inonyanya kutarisa kune vatsvaki vepamusoro-uye inogona kusabvumidza mumwe munhu ane chikwereti chikwereti pasi pe700.
Vanokwereta vanogona kutendeukira kune SoFi nokuda kwe:
- Zvikwereti zvemunhu
- Chikwereti chevadzidzi chekugadzirisa
- Mortgages
- Mortgage refinancing
- Mhuri chikwereti
- Mubereki PLUS kuronga
- MBA zvikwereti
Mamiriyoni emafuta anotaridzirwa nechigadzirwa, asi zvikwereti zvemunhu zvinotanga nehuwandu hwehuwandu hwa 5.50 muzana pamari ye $ 5,000 kusvika ku $ 100,000.
Zvikwereti zvomunhu pachake hazvibhadhari pasina mari yepakuvamba kana kutengesa kubhadhara (zviri pachena kuti pane mari kana iwe ukakundikana kuchengetedza nehomwe ).
Chero ani zvake anogona kuona kana SoFi yakanaka zvakakwana kunze kwekukuvadza chikwereti chake: SoFi anoita "kutora zvishoma" kuitira kuti aone mazinga kune vatengi vanoona. Hapana chakakuvadza pakuona kana Sofi zvikwereti zvakakosha uye hazvirevi kutora chikwereti.
Bhadhara
Mhindu inotsvaka kubatsira nechinetso chimwe: kadhi rechikwereti chikwereti. Kunyange zvazvo SoFi inopa chikwereti chekubhadhara chikwereti, Mutero unongoshanda chete nevanhu vanoedza kubhadhara chikwereti chemakadhi.
Vanhu vari kurwisana nechikwereti chikwereti chikwereti vanogona kukumbira chikwereti neMaripo, shandisa mari yacho kuti ubhadhe zviyero zvekadhi rechikwereti uye tanga uchitenga imwe mubhadharo kune Miridzo - tarisiro nemari inoderedza madhora pamwe chete.
Saizvozvowo neSoFi, munhu wese anogona kuona chiyero kunze kwekukuvadza chikwereti chekwereti nokuti Payoff inoshandisa tsvina yakaderera.
Matengo anobva pa7,96 muzana (10 muzana APR) kusvika 19.54 muzana (22 muzana APR) kwemwedzi kusvika 60.
Mhindu inoda chikwereti chekwereti cha 660 kana kupfuura, chikwereti-kune-muholo yezvikamu zve40 muzana kana zviduku, makore matatu emakororo echikwereti, pasina mvumo yemitero isina kubhadharwa, pasina maitiro ezvino uye pasi pemakumi mana ekubvunza mubhengi wako wekwereti pakupedzisira mwedzi mitanhatu.
Vouch
Vouch inopa imwe yenzira dzakasiyana-siyana dzezvikwereti zvemunhu pamusika. Sezvo zita racho rinoreva, vateresi vanoita kuti vanhu vatsvake ivo, izvo zvinotenderera zvinotenderera pasi muApri pachikwereti.
Anokwereta anofanira kuwana mavoti maviri uye anosangana naVouch's credit criteria kuti ave akakodzera chikwereti. Pane mazana matanhatu eFICO purogiramu uye zvigwaro zvinofanira kunge zvinoreva kuti vanhu vachabhadhara mari yakawanda kana iwe usina kukwereta pane chikwereti, zvakafanana nemubatanidzwa .
Kana vanhu vakawanda vachinge vatsva, iyo yakasimudza chikwereti chemari uye inoderedza APR iyo munhu anogona kugamuchira. Vouch ine chikwata chapamusoro chakakwana ne $ 7,500 ndiyo inonyanya kukonzerwa nomumwe munhu.
Iko kune mari yekutanga kubva kune imwe kusvika ku5 muzana uye hapana mubvunzo wakaoma kushandisa nekuona mazinga. Asi vakwereta vanoda ruzivo rwakasimba kuitira kuti vawedzere nzira yeVouch.
Lending Club
Saizvozvowo kune dzimwe nzira peer-to-peer yekukweretesa, Lending Club inopa mukana wokuona chiyero kunze kwekukuvadza chikoro chekwereti. Zvikwereti zvaro zvinokodzera kune vanhu vane chikwereti chikoro chakadzika se 620 neApri range ye 6.48 kubva kune ye29,99 muzana zvichienderana nekwerekiti uye urefu hwechikwereti . Ingochengetedza mupfungwa, pasi pechikwereti chekwereti, chakasimba chekunyora pasi.
Lending Club inopa zvikwereti muna 24, 36 uye nemwedzi mitanhatu yemitemo yekuti zvishoma kana madhora 1 000 kana zvakadarika $ 35,000. Panova nemutengo wekutanga kubva kune imwe kusvika ku5 muzana uye hapana chekubhadhara chikwereti.
Avant
Avant (aimbova AvantCredit) anopa zvikwereti zvake semukana wekugadzirisa zvikwereti kune avo vane kukwanisa kukodzera chikwereti chemunhu nemutengi wekwereti kana mutengi wemunhu anenge aine chikwereti ane zvakanyanyisa pasi. Avant ichabvumirana nezvikwereti zvekwereti zvakaderera se 550, asi huwandu huri pakati pe 600 kusvika 750.
Izvi zvinopa mikana kune vanotsvaka chikwereti vane chikwereti chakakosha kana chakakuvadzwa avo vari kutarisa kuti vasapedzisira kubhadhara chikwereti . Kuongorora imwe yehutengo yezvikwereti hazvizokuvadza chikwereti chekwereti.
Mari iyo inotora chikwereti kubva pamakore gumi nemaviri kusvika kumakumi matanhatu emadhora e $ 1,000 kusvika ku $ 35,000 neApris ye 9.95 kusvika ku 36.00 kubva maererano nehurumende.
Hakunzwisisiki Kutenga Kwose
Nhamba imwechete iyo inotarisa kana iwe uchitsvaga chikwereti chako inofanira kuva yekutengesa. Kusiyana nekushandira mamwe maitiro echikwereti, vazhinji vanopa mari yechikwereti vanopa mukana wekutarisa mitero pasina kukuvadza chikwereti chekwereti. Saka tora nguva yekutarisa-svetuka uye ugamuchire chipo chakanaka chaunofanirwa nacho.