Leer oor krediet kaarte en lenings

Engels ookgeen Engels

Het jy nodig om geld te leen? Krediet en lenings is albei maniere om geld te leen. Sommige soorte leen is veiliger as ander. Leer oor krediet kaarte, payday lenings en die beste maniere om geld te leen.

Do you need to borrow money? Credit and loans are both ways to borrow money. Some kinds of borrowing are safer than others. Learn about credit cards, payday loans and the best ways to borrow money.

learn about credit cards and loans
Foto-vergunning van Haelliott/Wikimedia Commons
learn about credit cards and loans
Photo courtesy of Haelliott/Wikimedia Commons

Kredietkaarte

Credit cards

Jy kan 'n kredietkaart gebruik om te betaal vir dinge in plaas van die gebruik van kontant. Om te betaal in 'n Winkel, jy sit 'n klein plastiekkaart in 'n masjien. Oor die telefoon of aanlyn, Jy kan die Kaartnommer en-wagwoord intik of sê.

You can use a credit card to pay for things instead of using cash. To pay in a store, you put a small plastic card in a machine. Over the phone or online, you can enter or say the card number and password.

Kredietkaarte is maklik en veilig om te gebruik vir inkopies en die betaling van rekeninge. Maar hulle het risiko's. As u nie elke maand die kredietkaart terugbetaal nie, Jy sal rente betaal. Rente is die bedrag wat jy betaal op die top van wat jy geleen het. Hoe langer jy nie betaal nie, Hoe meer rente jy skuld. Baie van die mense in Amerika het groot skuld as gevolg van kredietkaarte.

Credit cards are easy and safe to use for shopping and paying bills. But they have risks. If you do not pay back the credit card every month, you will pay interest. Interest is the amount you pay on top of what you borrowed. The longer you do not pay, the more interest you owe. A lot of people in America have big debts because of credit cards.

Krediet geskiedenis

Credit history

Jy wil dalk nie 'n kredietkaart gebruik nie as gevolg van die risiko om in skuld. Maar dit kan nuttig wees vir 'n ander rede: om jou KREDIETGESKIEDENIS te begin. Jou krediet geskiedenis is 'n rekord van wat jy geleen het en hoe goed jy betaal dit terug. 'N goeie krediet geskiedenis help om krediet te bou. As jy krediet te bou, Jy kan geld leen wanneer jy dit nodig het vir groot dinge, soos om 'n motor of 'n huis te koop.

You may not want to use a credit card because of the risk of getting into debt. But it can be useful for another reason: to start your credit history. Your credit history is a record of what you have borrowed and how well you paid it back. A good credit history helps to build credit. If you build credit, you can borrow money when you need it for big things, such as buying a car or a home.

So jy moet 'n kredietkaart jou krediet geskiedenis te bou. Maar kredietkaart maatskappye sal nie gee jou 'n kredietkaart, tensy jy reeds 'n goeie krediet!

So you need a credit card to build your credit history. But credit card companies will not give you a credit card unless you already have good credit!

Maar hoe kan ek 'n krediet geskiedenis bou sonder 'n kredietkaart?

But how can I build a credit history without a credit card?

Jy kan begin met 'n veilige kredietkaart. Hang bied veilige kredietkaarte aan immigrante en ander mense wat sukkel om krediet te bou. Veilige kredietkaarte is nie regtig krediet nie, want jy het reeds die geld gegee, of iemand het belowe om vir jou te betaal. Maar hulle laat jou toe om goeie krediet te bou. Banke en kredietkaart maatskappye veilige kredietkaarte, ook. Stilt het laer rentekoerse en 'n makliker proses om toe te pas as ander maatskappye. So doen Credit Unies.

You can start with a secured credit card. Stilt offers secured credit cards to immigrants and other people who struggle to build credit. Secured credit cards are not really credit because you have already given the money, or someone has promised to pay for you. But they do allow you to build good credit. Banks and credit card companies have secured credit cards, too. Stilt has lower interest rates and an easier process to apply than other companies. So do credit unions.

Sluit aan by 'n krediet-unie

Join a credit union

Vakbonde is soos banke, maar hulle probeer om mense te help slaag. Die rekeninghouers besit die krediet-unie saam. Credit vakbonde help deur die uitleen van geld of gee krediet kaarte aan mense met 'n lae inkomste en mense met geen krediet geskiedenis. Hulle sal jou help om geld te spaar, ook. Jy kan vind 'n krediet-unie naby jou

Credit unions are like banks, but they try to help people succeed. The account holders all own the credit union together. Credit unions help by lending money or giving credit cards to people with low incomes and people with no credit history. They will help you save money, too. You can find a credit union near you

Persoonlike lenings

Personal loans

Daar is verskeie verskillende soorte lenings wat jy kan kry. Sommige is vir kort termyn noodgevalle, terwyl ander vir 'n lang termyn situasies, soos die koop van 'n huis.

There are several different kinds of loans you can get. Some are for short-term emergencies, while others are for long for long-term situations, like buying a house.

Payday uitleen

Payday lending

Payday lenings is vir mense wat kontant nodig vinnig. Mense leen geld van 'n lener om terug te betaal op die dag wat hulle betaal. Maar payday lenings lei dikwels tot meer ernstige geld probleme as wat jy begin met. Om 'n payday lening beteken jy het reeds minder geld om deur te kry totdat jou volgende salaris. ook, payday leners hef 'n baie belang. So jy betaal terug 'n baie meer as wat jy leen. En as jy nie betyds terugbetaal nie, Jy sal nog meer belang moet betaal.

Payday loans are for people who need cash quickly. People borrow money from a lender to pay back on the day they get paid. But payday loans often lead to more serious money problems than you start with. Getting a payday loan means you already have less money to get through until your next paycheck. Also, payday lenders charge a lot of interest. So you pay back a lot more than you borrow. And if you don’t pay back on time, you will have to pay even more interest.

Payday alternatiewe lenings (PAL)

Payday Alternative Loans (PAL)

Vakbonde kan jy 'n beter keuse vir noodgevalle as 'n payday lening gee: 'n payday alternatiewe lening (PAL). 'N PAL is 'n korttermyn lening, sodat jy nie hoef te kry 'n payday lening. Jy kan leen tot $1,000 en hulle sal nie soveel belang hef. Jy moet vir 'n maand lid van die krediet-unie wees voordat jy 'n PAL kan neem.

Credit unions may give you a better choice for emergencies than a payday loan: a payday alternative loan (PAL). A PAL is a short-term loan so you don’t have to get a payday loan. You can borrow up to $1,000 and they will not charge so much interest. You have to be a member of the credit union for a month before you can take out a PAL.

Verbande

Mortgages

Verbande is lenings mense kry om 'n huis te koop. Daar is 'n groot betaling om elke maand te maak. Maar soms is dit nie meer as die betaling van huur nie, en aan die einde, Jy sal jou huis te besit! Dit kan moeilik wees om verbande te kry. Maar jou krediet unie kan jou help om. Lees oor verbande vir nie VSA-burgers. Die federale behuising Administrasie leer jou oor verskillende lenings en kan jou leer hoe om geld te spaar op jou nuwe huis.

Mortgages are loans people get to buy a house. There is a large payment to make every month. But sometimes it is no more than paying rent, and at the end, you will own your home! It can be hard to get mortgages. But your credit union may help you. Read about mortgages for non US-citizens. The Federal Housing Administration teaches you about different loans and can teach you how to save money on your new home.

Besigheid lenings

Business loans

Verskeie programme regoor die Verenigde State help vlugtelinge en immigrante begin hul eie besighede. Hulle gee lenings en ander ondersteuning, soos besigheidsadvies en geldwerkswinkels. Hier is 'n paar van hulle:

Several programs across the United States help refugees and immigrants start their own businesses. They give loans and other support, such as business advice and money workshops. Here are some of them:

CDFIs

CDFIs

Gemeenskapsontwikkeling-finansiële instellings (CDFIs) is soos krediet unies. Hulle wil nie 'n wins uit hul dienste te maak. In plaas daarvan, hulle wil mense help om daarin te slaag. Cdfleen geld vir klein besighede, nuwe besigheid, en om bekostigbare huise te bou. Jy kan vind 'n CDFI naby jou.

Community development financial institutions (CDFIs) are like credit unions. They do not want to make a profit from their services. Instead, they want to help people succeed. CDFIs lend money to small businesses, new business, and to build affordable homes.You can find a CDFI near you.

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