Ungayikhetha njani iMali-mboleko eLungileyo ePuerto Rico: Iingcebiso kunye noHlahlelo lweeBhanki eziPhambili kunye noMasibambisane

Ukukhetha imali mboleko efanelekileyo ePuerto Rico kunokuba ngumngeni, ngakumbi ngeendlela ezininzi ezikhoyo kwimarike.

Ukuqonda ama-nuances eentlobo ezahlukeneyo zemboleko kunye neminikelo evela kwiibhanki ezinkulu kunye nomanyano lwemali kubalulekile ukwenza isigqibo esinolwazi. Kweli nqaku, siza kuphonononga indlela yokufaka isicelo semali mboleko kwi-Intanethi ePuerto Rico, sinikezela ngeengcebiso ezisebenzayo kunye nohlalutyo oluneenkcukacha lwamaziko amakhulu emali, anje ngeBanco Popular de Puerto Rico, FirstBank, Oriental Bank, Evertec, Peninsula Bank, kunye neCooperativas de Ahorro y Crédito.

Kutheni kubalulekile ukukhetha imali-mboleko eyiyo?

Ukukhetha imali ebolekiweyo ayikokufumana imali kuphela. Imalunga nokuqonda iimfuno zakho zemali, inzala ebandakanyekayo, kunye nemigaqo yokuhlawula. Imboleko ekhethwe kakubi inokukhokelela kwityala eligqithisileyo kunye nobunzima bemali kwixesha elizayo. Ke ngoko, kubalulekile ukuthatha ixesha lokuphanda kwaye uhlalutye ukhetho lwakho.

Iindidi zeeMali-mboleko ezifumaneka ePuerto Rico

Imali-mboleko yoBuqu

Imali-mboleko yobuqu yenye yezona ndlela zidumileyo. Zingasetyenziselwa nantoni na ukusuka ekuhlanganiseni amatyala ukuya kwinkxaso-mali yokuhamba. Ngokuqhelekileyo banamazinga enzala amiselweyo kunye namagama ahlukeneyo.

Imali-mboleko yoShishino

Ukuba ungusomashishini, ungacinga ngemboleko yeshishini. Olu hlobo lwemali mboleko lubonelela ngemali yokuqalisa okanye ukwandisa ishishini kwaye lunokuba neemeko ezithile, kuxhomekeke kuhlobo lwenkampani kunye nemali eceliweyo.

Imali-mboleko yeKhaya

Iimali-mboleko zezindlu zenzelwe ukuthengwa kwezindlu. Amaxabiso anokwahluka ngokuxhomekeke kuhlobo lwenkxaso-mali kunye neprofayile yomthengi, kwaye lukhetho lwexesha elide.

Ungasifaka njani isicelo seMboleko-mali kwi-Intanethi ePuerto Rico?

• Inyathelo 1: Vavanya iimfuno zakho zemali kwaye ubone isixa esifunekayo.
• Inyathelo 2: Phanda iinketho ezikhoyo, ujonge ulwazi malunga nenzala kunye nemimiselo.
• Inyathelo 3: Thelekisa izibonelelo ezivela kumaziko ahlukeneyo emali.
• Inyathelo 4: Qokelela amaxwebhu ayimfuneko, afana nobungqina bengeniso kunye nesazisi.
• Inyathelo 5: Fumana ibhanki okanye iwebhusayithi yentsebenziswano kwaye ugcwalise ifomu yesicelo.
• Inyathelo 6: Landela umkhondo ubume besicelo sakho kwaye ulinde ukuvunywa.

Uhlalutyo lweeBhanki eziPhambili kunye noMasibambisane ePuerto Rico

Banco Popular de Puerto Rico

I-Banco edumileyo yenye yeebhanki ezinkulu kunye nezona zihlonitshwayo ePuerto Rico. Ibonelela ngeemali-mboleko ezahlukeneyo zobuqu kunye neshishini kunye namaxabiso okhuphiswano. Inkqubo yesicelo se-intanethi ilula kwaye iyakhawuleza, ivumela abathengi ukuba bafumane iziphumo ngokukhawuleza.

FirstBank

I-FirstBank iyaziwa ngeenketho zayo eziguquguqukayo kunye nenkonzo yabathengi. Banikezela ngeemali-mboleko zobuqu kunye nemiqathango ukusuka kwi-12 ukuya kwiinyanga ezingama-60 kunye namaxabiso amiselweyo, ukwenza ukucwangciswa kwemali kube lula.

Oriental Bank

I-Oriental Bank ibalasele ngezisombululo zayo. Banikezela ngeengcebiso zemali kunye noluhlu lweemveliso ukuze zilungele iiprofayili ezahlukeneyo zabathengi, kubandakanywa imali mboleko yendlu kunye neyenu.

Evertec

I-Evertec liziko lezemali elisebenzisa itekhnoloji ukwenza lula inkqubo yokufaka isicelo semali-mboleko kwi-intanethi. Banikezela ngezixhobo ezikuncedayo ukubala iintlawulo zezavenge kunye nenzala phambi kokuba usayine imali-mboleko.

Ibhanki yePeninsula

I-Peninsula Bank igxile ekuboneleleni ngemali mboleko efikelelekayo enemiqathango elula. Bazibophelele ekuhleni kwiindleko kunye nemiqathango.

Iimanyano zokonga kunye nekhredithi

Iimanyano zamatyala yeyona ndlela ibalaseleyo, njengoko zihlala zibonelela ngenzala ephantsi kunye nemigaqo ebhetyebhetye. Bagxile kwintlalontle yamalungu abo kwaye banokuba lukhetho olunenzuzo.

Iimpazamo eziqhelekileyo xa ufaka isicelo seMali-mboleko

• Sukuthelekisa unikezelo: Ukwamkela unikezelo lokuqala ngaphandle kokuphanda ezinye iinketho kunokubangela amaxabiso aphezulu.
• Lingahoywa izinga lenzala: Ukugxila kuphela kwisixa-mali semali-mboleko ngaphandle kokuqonda imilinganiselo yenzala kunokukhokelela kwintlawulo eyothusayo.
• Ukungafundi isivumelwano: Ukungahoyi iinkcukacha zekhontrakthi kunokubangela amagatya angathandekiyo.
• Ukunqongophala kocwangciso: Ukufaka isicelo semali-mboleko ngaphandle kwesicwangciso esicacileyo sokubuyisela kunokubeka imali yakho emngciphekweni.

IiNdlela eziGqwesileyo zokuKhetha imali-mboleko

• Yenza uhlalutyo lwetyala: Ukwazi amanqaku akho ekhredithi kunokukunceda ukuba uqikelele ukuba zeziphi iireyithi onokuzifumana.
• Misela uhlahlo lwabiwo-mali oluyinyani: Qinisekisa ukuba yimalini onokukwazi ukuyihlawula ngenyanga ngaphambi kokuba ufake isicelo semali-mboleko.
• Jonga iintlobo ezahlukeneyo zeemali-mboleko: Qwalasela zonke iinketho ezikhoyo, kubandakanywa ookopolotyeni kunye neebhanki.
• Gcina uxwebhu lucwangcisiwe: Ukuba nawo onke amaxwebhu elungile kunokukhawulezisa inkqubo yokuvunywa.

Imizekelo Esebenzayo yezicelo zeMali-mboleko

Ukwenza umzekelo, makhe siqwalasele iimeko ezimbini zesicelo semali-mboleko:

• Imeko 1: UMaria ufuna i-$5.000 yemali-mboleko yobuqu ukuze ahlanganise amatyala. Uthelekisa unikezelo oluvela kwi-Banco Popular kunye ne-FirstBank, ekhetha i-Banco Popular kuba inika i-9% yenzala yonyaka kunye ne-36-inyanga yokubuyisela ixesha, elihambelana nohlahlo lwabiwo-mali lwakhe.
• Imeko 2: UJohn ufuna ukuqala ishishini elincinci kwaye ujonge i-10.000 yeedola. Emva kophando, uthatha isigqibo sokufaka isicelo kwiBhanki yase-Oriental, enika i-7% yezinga lenzala kunye nesicwangciso sentlawulo esiguquguqukayo esilungelelanisa ukuhamba kwemali yelinge lakhe elitsha.

Imibuzo eqhelekileyo

1. Uthini umahluko phakathi kwemali mboleko yobuqu kunye nemali mboleko yeshishini?

Iimali-mboleko zobuqu zenzelwe ukusetyenziswa komntu ngamnye, ngelixa imali-mboleko yeshishini ilungiselelwe ngokukodwa ukuxhasa imisebenzi yeshishini.

2. Ndingawaphucula njani amanqaku am amatyala phambi kokuba ndifake isicelo semali-mboleko?

Hlawula amatyala akho ngexesha, unciphise amatyala akho, kwaye uphephe ukuvula ii-akhawunti ezintsha zekhredithi ngaphambi kokufaka isicelo semali-mboleko.

3. Ngawaphi amaxwebhu afunekayo xa usenza isicelo semali-mboleko?

Ngokuqhelekileyo, uya kufuna ubungqina besazisi, ubungqina bengeniso, kwaye kwezinye iimeko, amaxwebhu anxulumene nembali yakho yekhredithi.

4. Kuthatha ixesha elingakanani ukufumana imali-mboleko yamkelwe?

Amaxesha okuvunywa anokwahluka, kodwa amaziko amaninzi abonelela ngeziphumo kwiiyure ezingama-24 ukuya kwezingama-48 zesicelo esigqityiweyo.

5. Ndingasifaka isicelo semali-mboleko ukuba ndinembali embi yetyala?

Ewe, amanye amaziko abonelela ngeendlela abantu abanamatyala angawo, kodwa inzala isenokuba phezulu.

6. Yintoni inzala emiselweyo?

Izinga lenzala emiselweyo lelo lihlala lihleli lingaguquki kulo lonke ixesha lemali-mboleko, nto leyo eyenza ucwangciso lwezemali lube lula.

7. Ngaba kunokwenzeka ukuba uhlawule imali-mboleko phambi kwexesha?

Ewe, kodwa khangela ukuba kukho naziphi na izohlwayo zentlawulo yangaphambi kwexesha, njengoko amanye amaziko ehlawulisa iintlawulo zoku.

8. Ndingaqinisekisa njani ukuba ndikhetha eyona ndlela ingcono yemali-mboleko?

Phanda, thelekisa unikezelo, funda uphononongo, kwaye udibane neengcali zemali ukuze ufumane isikhokelo.

Ukukhetha imali mboleko efanelekileyo ePuerto Rico kubandakanya uphando, ukucwangcisa, kunye nokuqonda iimfuno zakho zemali. Ngokulandela iingcebiso kunye nohlalutyo olunikiweyo, uya kulungela ngcono ukwenza isigqibo esinolwazi. Ungalibali ukwabelana ngeli nqaku nabahlobo kunye nosapho abanokukhangela ulwazi malunga nendlela yokufaka isicelo semali mboleko kwi-Intanethi ePuerto Rico. Imfundo yezemali linyathelo elibalulekileyo lokufezekisa uzinzo lwezoqoqosho kunye nokufezekisa amaphupha akho.