Zvaunoda Kuziva Zvino Pamusoro Pekubhadhara Mari
Chii Chinonzi Payday Loans?
Payday zvikwereti zvikwereti zvishomanana zvaungashandisa kana uchinge usina mari.
Kazhinji kacho, kubhadhara zvikwereti zvikwereti zvenguva pfupi (masvondo maviri kana zvakadaro) kune mari yakawandisa (mashoma mazana emari). Kuti uwane chikwereti chemari yekubhadhara, iwe kazhinji unyorera cheki yeko iwe uri kukwereta - pamwe nemari. Iwe unogona kusiya cheki neunokweretesa, uye ivo vanobhadhara kana iwe wagadzirira kubhadhara.
Kana iwe usingakwanisi kubhadhara chikwereti chako chepazuva rekubhadhara kana zvasvika, iwe unogona dzimwe nguva "kuuputira" kuitira kuti chikwereti chiwedzere. Iwe haufaniri kuripa, asi mari inoramba ichiwedzera. Dzimwe hurumende dzinodzora rollovers - kana kuvarura kana kuvhara nhamba yezviitiko iwe unogona kuvandudza.
Payday zvikwereti dzimwe nguva zvinotengeswa se " no credit check " zvikwereti. Iwe hausi kuda zvakanaka chikoro chikoro (kana chero chero chikoro chekwereti), uye kuwana "kubvumirwa" kuri nyore kune dzimwe chikwereti chedzinza . Somugumisiro, ivo vanozivikanwa nevanhu vanotarisana nematambudziko emari.
Zvinodhura zvePayday Loans
Muzhinji, kubhadhara makwereti zvikwereti zvikuru .
Iwe unoguma uchibhadhara gore rega rega puropu yepamusoro ( APR ) iyo inogona kunge yakawanda mazana emazana. Somuenzaniso, unogona kubhadhara $ 20 mari yekukwereta $ 100.00 kwevhiki mbiri. Consumer Federation of America ine mamwe maverengi akanaka achifananidza kubhadhara mari yechikwereti kune dzimwe nzira. Izvi zvinoratidza kuti iwe waizobhadhara pamusoro pe 426% APR pamutengo wemari yekubhadhara, asi kubhadhara APR pane 1000% hakusi kunzwika.
Payday Loan Pitfalls
Izvo zvikwereti chikuru nekubhadhara chikwereti zvikwereti. Pamusana pemari yakakura kwazvo, havakubatsiri kugadzirisa dambudziko rechokwadi. Kana iwe uine matambudziko emari, kubhadhara zvikwereti kunogona kuita kuti zvinhu zviwedzere. Iwe uri kubhadhara chaiyo yepamusoro yemari inofanirwa zvinoreva kuti mari yako inenge ichikwira. Senguva yemazuva mashoma-pamwe kamwe kana kaviri muhupenyu hwako, kana iyo-kubhadhara masikati chikwereti ichigona kukutora iwe kuburikidza nechirwere chinotyisa. Semuenzaniso, iwe unogona kunge uchida kugadziriswa kwemotokari yako kuitira kuti ugone kusvika kubasa uye uchengetedze kuwana mari. Senguva yakareba, zano rekubhadhara richakukwezva iwe pasi.
Iwe unogona kuzviwana uri mumatambudziko kana zvinhu zvikabuda. Kubhadhara zvinyorwa zvekuti iwe unyorera kubhadhara chikwereti chekubhadhara kunogona kuguma pa ChexSystems yako faira uye kubhadhara mari yepamusoro yebhadhiro kubva kubhangi rako. Mabhangi nevatengesi vangave vasingadi kushanda newe. Izvo chikwereti chinogona kukupomerai kana kutumira kero yako kuzvikwata, izvo zvichaita chikwereti chako. Kana iwe uchiramba uchitarisa chikwereti chemari yekubhadhara, iwe uchabhadhara zvakanyanya muzvibereko uye mari yaunenge wakambirwa kare. Kuti udzivise dambudziko iroro, dzidza kuti ungabuda sei kubhadhara chikwereti chikwereti nokusingaperi.
Zvakadini Nebhadhiro Payday Mari?
Mabhengi akatamira muhurumende yemari yekubhadhara chikwereti, zvichida kuitira kuti uwane mari yakawanda.
Kunyange zvazvo zvikwereti zvebhengi zvebhengi (zvikwereti zvaunokodzera kubhadhara kubva pachikwereti chako, mari, uye zvinhu) zvinogona kunge zviri nani, mari yekubhadhara mari yebhadha haisi nani pane imwe chikwereti chepazuva rekubhadhara. Vanogona kuenda nemazita akasiyana-siyana, asi ivo vachiri mari uye vane ngozi.
Muzvokwadi, kubhadhara zvikwereti kubva kumabhangi zvinogona kunge zvakanyanya kukunda kupfuura zvikwereti zvaunowana pane rekubhadhara chikwereti chemari. Sei? Bhengi inogona kusvika pakero yako yekuongorora , uye iwe unobvumirwa kuvabvumira kudhonza mari kubva kubhuku rako kuti udzorere chikwereti. Kana vachida mari yavo (asi iwe uchiri kutoda kutenga mari kana kutengesa motokari ) vachatora iyo pakarepo kana iripo - usati wawana mukana wekushandisa nayo pane zvimwe zvinhu zvinokosha. Paunokweretesa kune imwe nzvimbo, unogona kunge uine humwe hutungamiri hwekuti mari yako inobva sei uye sei.
Izvi hazvirevi kuti haufaniri kumbhadhara chikwereti chebhadhiro kubhangi; kushandisa imwe yeizvikwereti kune njodzi pasinei nokuti unoiwana, uye zvinogona kuita kuti bhangi rako rinogona kupa zvinyorwa zviri nani.
Alternatives to Payday Loans
Panzvimbo yekushandisa chikwereti chemari yekubhadhara, funga dzimwe nzira:
- Gadzira mari inoshandiswa pabasa rekutsvaga mari munhoroondo yako yekuchengetedza (dzimwe nguva zvinorehwa nyore kupfuura kuita)
- Gadzira chikwereti kuitira kuti iwe unogona kukwereta kubva kune vakakwereta vatengi (mukuenzanisa)
- Chengetedza kadhi rechikwereti rakasununguka kune zvinodhura zvinodhura
- Tora chikwereti chekwereti (kana chikwereti chisina kuchengeteka ) kubva kubhangi rako kana chikwereti chebato
- Sarudza basa renguva yakazara kuti uwedzere mari
- Tauriranai chirongwa chokubhadhara nevakweretesi vako (bvunza nezvekugadzirisa chikwereti )
- Tsvaga zvirongwa zvekuchengetedza zvekare pamusoro pekuongorora kero yako
- Edza kufanana nevezera rako nekukweretesa mabasa ekutengesa zviri nani
Are Payday Loans Safe?
Izvi zvikwereti zvingashandurwa nyore nyore. Kana ukakwereta kubva muchitoro chekubhadhara chikwereti chekubhadhara mari, kuchengetedzwa kwako kwepanyama hakugoni kuisa pangozi nenzira imwechete iyo ingangodaro kana iwe ukwereta kubva kune vadiki vechikwereti . Vakawanda vanowanzopa chikwereti vachongowedzera pamari, vanokumbirisai kuti muedze uye muunganidze, uye pakupedzisira nounza mhaka yepamutemo pamusoro penyu kana musingabhadhara. Mari yezvikwereti ndeyvenjodzi yemari .
Kushandisa kubhadhara zvikwereti zvekubhadhara paIndaneti kunewo ngozi. Iwe hauzombozivi kuti uri kupa chii iwe ruzivo rwako, uye mamwe mawebsite haana chinangwa chekukweretesa iwe mari. Vangave vari kuunganidza ruzivo rwokutengesa kune vamwe vatengesi (izvo zvinoreva kuti iwe uchazara nemafoni uye kupa - izvo zvingave zvisina kufanana sezvazvinonzwika), kana vangangotarisa ruzivo rwemunhu oga runogona kushandiswa pakuvhara kwehuzivi. Kunyanya kana iwe ukakumbirwa kubhadhara mari yepamusoro-mberi, ungangodaro uri kubatanidzwa munharaunda yekare yekare.
Kudzivirira Payday Mari
Imari yemari yekubhadhara chikwereti haisi kunyara kuzvidzivirira pachayo. Vanopikisa kuti kubhadhara zvikwereti zvinogona kunge zvisingadhura kupfuura bounced check check uye zvirongwa zvekuchengetedza overdraft . Mukuwedzera, vanopikisa kuti kubhadhara chikwereti chikwereti ndiyo nzira yakanakisisa uye yakanakisisa yevamwe vanhu kuwana mari.