Doctor Peso Prestamos: Dong CO
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Okudawunilodiwe
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Mayelana nalolu hlelo lokusebenza
UDokotela Peso yisixazululo sakho sokumisa okukodwa semalimboleko esheshayo eqinisekisiwe ngaphandle kokukhokha phansi.
Ngalolu hlelo lokusebenza ungafinyelela imalimboleko yomuntu siqu ngokufunwa. Amaphakheji amaningi emalimboleko anezilinganiso zenzalo ezifanele. Ungathola ngokushesha imali oyidingayo ngomakhalekhukhwini wakho.
Ungayithola kanjani imali mboleko:
1. Gcwalisa inani olidingayo
2. Nikeza ulwazi lwakho lomuntu siqu bese ulinda ukugunyazwa
3. Thola imali ngokushesha ngemva kokugunyazwa
Kungani ukhethe Prestadero
1. Asikho isidingo sokuya kunoma yisiphi isitolo noma ibhange. Ukuhlolwa akunaphepha futhi kungenziwa ekhaya.
2. Imali mboleko idinga ulwazi oluyisisekelo kuphela.
3. Sula imininingwane yemalimboleko, amanani enzalo afanelekile, azikho izindleko ezifihliwe. Vele ukhokhe njengoba uthembisile kwinkontileka.
Ulwazi lwemalimboleko:
- Isikhathi esincane nesiphezulu sokukhokha sisuka ezinsukwini ezingama-65 siye ezinsukwini ezingama-365.
- Izinga Lenzalo Yonyaka Ephakeme Kakhulu (APR): 35%/ngonyaka
- Izinga lenzalo yonyaka eliphansi kakhulu: 9.5%/ngonyaka
Isibonelo semalimboleko:
Imali mboleko yomuntu siqu engu-$6,000 enikezwa ngezinsuku ezingu-280 nge-APR engu-35% izokwenza:
Inzuzo ephelele ngemva kwezinsuku ezingu-280: 6,000 * 35%/365 * 280 = $1,610
Isamba semali ozoyikhokha: 6,000 + 1,610 = 7,610 USD
- Amaklayenti angathola imali nge-akhawunti yawo yasebhange noma isikhwama se-electronic esixhunywe kumabolekisi.
- Amaklayenti angakwazi ukuyenqaba imali ebolekiwe lapho eyithola inganele.
- Ukugcinwa kuyimfihlo kolwazi lwekhasimende.
Abantu abangaphansi kweminyaka engu-18 abakwazi ukufaka isicelo sesevisi futhi ngeke bavunyelwe.
Ngalolu hlelo lokusebenza ungafinyelela imalimboleko yomuntu siqu ngokufunwa. Amaphakheji amaningi emalimboleko anezilinganiso zenzalo ezifanele. Ungathola ngokushesha imali oyidingayo ngomakhalekhukhwini wakho.
Ungayithola kanjani imali mboleko:
1. Gcwalisa inani olidingayo
2. Nikeza ulwazi lwakho lomuntu siqu bese ulinda ukugunyazwa
3. Thola imali ngokushesha ngemva kokugunyazwa
Kungani ukhethe Prestadero
1. Asikho isidingo sokuya kunoma yisiphi isitolo noma ibhange. Ukuhlolwa akunaphepha futhi kungenziwa ekhaya.
2. Imali mboleko idinga ulwazi oluyisisekelo kuphela.
3. Sula imininingwane yemalimboleko, amanani enzalo afanelekile, azikho izindleko ezifihliwe. Vele ukhokhe njengoba uthembisile kwinkontileka.
Ulwazi lwemalimboleko:
- Isikhathi esincane nesiphezulu sokukhokha sisuka ezinsukwini ezingama-65 siye ezinsukwini ezingama-365.
- Izinga Lenzalo Yonyaka Ephakeme Kakhulu (APR): 35%/ngonyaka
- Izinga lenzalo yonyaka eliphansi kakhulu: 9.5%/ngonyaka
Isibonelo semalimboleko:
Imali mboleko yomuntu siqu engu-$6,000 enikezwa ngezinsuku ezingu-280 nge-APR engu-35% izokwenza:
Inzuzo ephelele ngemva kwezinsuku ezingu-280: 6,000 * 35%/365 * 280 = $1,610
Isamba semali ozoyikhokha: 6,000 + 1,610 = 7,610 USD
- Amaklayenti angathola imali nge-akhawunti yawo yasebhange noma isikhwama se-electronic esixhunywe kumabolekisi.
- Amaklayenti angakwazi ukuyenqaba imali ebolekiwe lapho eyithola inganele.
- Ukugcinwa kuyimfihlo kolwazi lwekhasimende.
Abantu abangaphansi kweminyaka engu-18 abakwazi ukufaka isicelo sesevisi futhi ngeke bavunyelwe.
Kubuyekezwe ngo-
Ukuphepha kuqala ngokuqonda ukuthi onjiniyela baqoqa futhi babelane kanjani ngedatha yakho. Ubumfihlo bedatha nezinqubo zokuphepha zingahluka kuye ngokusebenzisa kwakho, isifunda, nobudala. Unjiniyela unikeze lolu lwazi futhi angalubuyekeza ngokuhamba kwesikhathi.
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