Payday zvikwereti, nyaya yakakosha

Les payday zvikwereti, inozivikanwawo sezvikwereti zvenguva pfupi, yava nyaya inokosha mumamiriro ezvemari. Zvikwereti izvi zvinopa mhinduro yekukurumidza kune vanhu vanoda mari nekukurumidza kuti vasangane nemari isingatarisirwe kana dambudziko remari. Nekudaro, ivo vanouyawo neakasarudzika maficha anofanirwa kutariswa zvakanyanya.

Chimwe chezvinhu zvakakosha zvekubhadhara zvikwereti ndezvavo nguva pfupi yekubhadhara. Kusiyana nezvikwereti zvechinyakare zvinorebesa makore akati wandei, zvikwereti zvezuva rekubhadhara kazhinji zvinofanirwa kubhadharwa mukati memavhiki mashoma kana mwedzi, kazhinji panguva yekubhadhara kunotevera kweanokwereta.

Ichi chinodiwa chekubhadhara nekukurumidza chinogona kuisa imwe dzvinyiriro yemari kune vanokwereta, avo vanofanirwa kuwana mari yekubhadhara chikwereti mukati menguva shoma.

Muchinyorwa chino, isu tichaongorora maficha ekubhadhara zvikwereti zvakadzama, tichiratidza zvakanakira uye zvakaipira zverudzi urwu rwechikwereti.

Chii chinonzi payday loan

Chikwereti chemazuva ekubhadhara imhando yechikwereti chenguva pfupi apo mukweretesi anokupa chikwereti chakanyanya-mubereko zvichienderana nemari yaunowana. Mukuru wayo kazhinji chikamu chemubhadharo wako unotevera.

Zvikwereti zvePayday zvinochaja mibairo yakakwira yechikwereti chenguva pfupi. Vanonzi zvikwereti " cash advances »kana “kutarisa mberi” zvikwereti.

Payday vanokwereta vanobhadharisa vanokwereta mubereko yakakwirira uye haidi rubatso, zvichiita kuti ive rudzi rwechikwereti chemunhu chisina kuchengetedzwa. Zvikwereti izvi zvinogona kunzi zvikwereti zvechisimba nekuti zvine mubereko wakanyanya, hazvifungi nezve kugona kwemukwereti kudzosera, uye zvine zvakavanzwa zvinobhadharisa vanokwereta imwe mari.

Nekuda kweizvozvo, vanogona kuita semusungo wechikwereti kune vatengi. Kana uri kufunga nezvekubhadhara chikwereti, ungangoda kutanga watarisa dzimwe nzira dzakachengeteka dzechikwereti chako.

Nekubvunza chinyorwa chedu pa kunzwisisa zviri nani zvikwereti zvebhangi, ungangove uine dzimwe nzira dzezvaunoda.

Chikwereti chezuva rekubhadhara chinoshanda sei?

Unonyora a cheki yega post-date kune mukweretesi wezuva rekubhadhara kwaunobvumidza mukweretesi wezuva rekubhadhara kuti abvise mari zvakananga kubva kuaccount yako yekubhangi pazuva recheki kana mvumo. Iri rinowanzova zuva rako rekubhadhara rinotevera.

Kana chikwereti chezuva rekubhadhara chasvika, iwe unopa mukweretesi mari yecheki yako yemazuva ano kana kuti rega mukweretesi aise cheki yako. Kana iwe wakabvumira mukweretesi kuti abvise mari kubva kuaccount yako, mukweretesi anozviita pazuva rakakodzera.

Muchidimbu, zvikwereti zvezuva rekubhadhara zvinokupa zororo rekukurumidza kana wasangana nedambudziko rezvemari. Zvikwereti izvi zvinowanzova zvikwereti zvenguva pfupi mari iyoyo kusvika ku $1 kugutsa mari isina kurongwa, pasi pekunzwisisa kuti uchabhadhara chikwereti uchishandisa mubhadharo wako unotevera.

Muchokwadi, zvikwereti zvekubhadhara zvinowanzova mhinduro isina kunaka kune dambudziko. Mari dzemhindu pamwe nemari dzinouya nekubhadhara zvikwereti zvinowanzokwira zvakanyanya. 

Zvikwereti zvePayday saka imhando inodhura yechikwereti. Kazhinji, vanokwereta vanozviwana vari muchikamu chisingaperi chechikwereti chakawandisa chinokonzerwa nezvikwereti zvekubhadhara.

Zvimiro zvekubhadhara zuva rechikwereti

Chokutanga pane zvose, zvikwereti zvekubhadhara zvinowanzopiwa kwenguva yevhiki mbiri kusvika kumwedzi. Izvi zvinoreva kuti vanokwereta vanofanira kubhadhara chikwereti nokukurumidza, kazhinji pavanogamuchira mubhadharo wavo unotevera.

Ichi chinodiwa chekubhadhara nekukurumidza chinogona kunetsa kune vamwe vanokwereta nekuti zvinoreva kuti vanofanirwa kuuya nemari yakakosha munguva pfupi.

Uyezve, zvikwereti zvepayday zvine mibairo nemari kurapwa vadzidzi. Mari idzi dzinogona kusanganisira muripo wekunyorera, muripo wekutonga, kana muripo wekugadzirisa chikumbiro. Mari idzi dzinogona kusiyana nemukweretesi nenzvimbo, asi dzinowanzowedzerwa kumari yese yechikwereti uye dzinofanirwa kubhadharwa pamwe chete nechikwereti.

Mari dzemubereko dzinogona kusiyana nemukweretesi nenzvimbo, asi dzinowanzo kwira zvakanyanya kudarika mubereko pazvikwereti zvemunhu kana makadhi echikwereti.

Vanokwereta vanofanira kuziva nezvemhindu yakakwira iyi nekuti zvinoreva kuti vanozofanira kubhadhara zvakanyanya kudarika mari yechikwereti chepakutanga.

Pakupedzisira, zvikwereti zvezuva rekubhadhara zvinogona kubatsira mune mamwe mamiriro ezvinhu, asi zvinogonawo kutungamirira kune chikwereti chakawandisa kana vanokwereta vasingakwanisi kubhadhara chikwereti nenguva.

Vanokwereta vanofanira kuziva nezvenjodzi idzi vasati vatora chikwereti chezuva rekubhadhara uye vanofanira kuva nechivimbo chokuti vachakwanisa kubhadhara chikwereti chacho zvizere kana ichiripo.

Mamiriro ekushandisa akakodzera echikwereti chezuva rekubhadhara

Payday zvikwereti zvinogona kushandiswa zvine musoro mune zvimwe zviitiko, kusanganisira:

Njodzi dzekurapa: Kana mari isingatarisirwi yekurapwa ikamuka uye paine kudikanwa kwekubhadharira mari yekurapa nekukurumidza, chikwereti chezuva rekubhadhara chinogona kubatsira kubhadhara izvi nekukurumidza mari.

Kugadziriswa kwemotokari: Kana mota yako ichida kugadziridzwa nekukurumidza kuti irambe ichishanda, chikwereti chezuva rekubhadhara chinogona kukubatsira mari yekugadziridza uye nekukurumidza kudzoreredza kufamba kwako.

Mabhiri asingatarisirwi: Dzimwe nguva mabhiri asingatarisirwe anogona kuuya, sekugadzirisa imba, mabhiri emagetsi, kana mabhiri epombi. Chikwereti chezuva rekubhadhara chinogona kushandiswa kuvhara mari iyi yekukurumidzira uye kudzivirira kunonoka kubhadhara.

Mari dzechimbichimbi: Muchiitiko chekukurumidzira kusingatarisirwi, sekukuvadzwa kwemvura kana kuputsika kwechishandiso chakakosha, chikwereti chezuva rekubhadhara chinogona kupa mari inodiwa kubata nemamiriro ezvinhu aya nekukurumidza.

Mari inopihwa isina kukwana: Kana iwe uri kusangana nenguva iyo mari yako isingakwane kubhadhara mari yako yekugara, chikwereti chezuva rekubhadhara chinogona kukubatsira kuzadza iri gaka renguva pfupi remari.

Zvakakosha kuziva kuti zvikwereti zvezuva rekubhadhara zvinofanira kuva inoshandiswa nekuchenjerera uye mutoro. Izvo hazvifanirwe kutorwa semhinduro yekusingaperi kumatambudziko emari uye zvinofanirwa kungoshandiswa mumamiriro ezvinhu chaiwo ekukurumidzira uko dzimwe sarudzo dzemari dzisipo.

Payday Loan FAQs

Mubvunzo: Chii chinonzi payday loan?

Chikwereti chekubhadhara imhando yechikwereti chenguva pfupi chinowanzo kupihwa kwenguva yemavhiki maviri kusvika kumwedzi.

Yakagadzirirwa kubatsira vanhu kurarama nayo mari isingatarisirwi kana nhamo dzemari nekuvapa chitsama chemari nekukurumidza. Kubhadhara kwechikwereti kunowanzo kufanirwa pazuva rekubhadhara rinotevera remukwereti.

Mubvunzo: Ndezvipi zvinodiwa kuti uwane chikwereti chekubhadhara?

Zvinodiwa zvinogona kusiyana zvichienderana nemukweretesi, asi kazhinji unofanirwa kunge uine basa rakagadzikana uye mari yenguva dzose. Vamwe vanokweretesa vangangodawo cheki chechikwereti chechikwereti. Zvakananga zvinodikanwa zvichatsanangurwa kana uchinyorera chikwereti.

Mubvunzo: Ndezvipi zvinobatsira zvekubhadhara zvikwereti?

Payday zvikwereti zvinopa mhinduro yekukurumidza kana iwe uchida mari nekukurumidza. Zvinowanzo wanikwa zvakanyanya kupfuura zvikwereti zvechinyakare, kunyangwe kune vanhu vane nhoroondo yakaipa yechikwereti. Pamusoro pezvo, maitiro ekushandisa anowanzo kukurumidza uye nyore.

Mubvunzo: Ndezvipi zvisingabatsiri zvekubhadhara zvikwereti?

Zvikwereti zvePayday zvine mubereko wakakwira zvichienzaniswa nedzimwe mhando dzezvikwereti, zvinoreva kuti unogona kupedzisira wabhadhara zvakanyanya kudarika mari yechikwereti chepakutanga mubereko.

Pamusoro pezvo, nguva pfupi dzekubhadhara dzinogona kutungamirira kumatambudziko emari kana ukatadza kubhadhara chikwereti nenguva.

Mubvunzo: Unodzivirira sei kuwira muchikwereti chechikwereti nezvikwereti zvekubhadhara?

Kuti urege kuwira muchikwereti chechikwereti, zvakakosha kungotora chikwereti chezuva rekubhadhara kana uchichida chaizvo uye kana uine chokwadi chekuti unokwanisa kuchibhadhara nenguva.

Gadzira bhajeti remari, ongorora dzimwe sarudzo dzemari, uye shandisa zvikwereti zvezuva rekubhadhara zvine hungwaru uye zvine hungwaru.

Mubvunzo: Ndedzipi dzimwe nzira dzekubhadhara zvikwereti?

Zvimwe zvingaitwa pane zvikwereti zvezuva rekubhadhara zvinosanganisira zvikwereti zvemunhu kubva kumabhangi kana masangano echikwereti, kushandisa makadhi echikwereti ane mubereko wakaderera, kukumbira mari yekubhadhara kubva kune waunoshandira, kana kutsvaga rubatsiro rwemari kubva kumasangano emunharaunda kana masangano anobatsira.

mhedziso

Payday zvikwereti inyaya yakakosha munyika yezvikwereti zvenguva pfupi. Kunyangwe ivo vanogona kubatsira mukubata nazvo mari isingatarisirwi kana mamiriro ekukurumidzira emari, ivo vanoisawo njodzi dzakakura kune vanokwereta, kusanganisira mibairo yakakwira, mari yekugadzirisa uye nguva pfupi yekubhadhara.

Zvakakosha kuti vanokwereta vanzwisise maitiro ekubhadhara zvikwereti vasati vaita sarudzo yekutora chikwereti. Vanofanirawo kuziva dzimwe nzira dziripo, dzakadai sezvikwereti zvemunhu kana makadhi echikwereti, ayo anogona kupa zvirevo zvakanaka. muripo wakanakira.

Pakupedzisira, zvikwereti zvezuva rekubhadhara zvinofanira kushandiswa nekuchenjerera uye mutoro. Ivo vanongofanirwa kutariswa semhinduro yenguva pfupi uye yekukurumidzira kumatambudziko emari uye vanofanirwa kupihwa kondirakiti kana zvese dzimwe sarudzo dzapera.

Vanokwereta vanofanira kuziva nezvenjodzi dzine chekuita nezvikwereti zvezuva rekubhadhara uye kuita sarudzo dzine ruzivo zvichienderana nemamiriro avo emari.

Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge