Aprann sou kat kredi ak kredi

Angle touPa gen anglè

Eske ou bezwen prete lajan? Kredi ak pre se de fason yo prete lajan. Gen kek kalite prete ki pi an sekirite pase lot moun. Aprann sou kat kredi, sou sale pre ak pi bon fason pou prete lajan.

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
Photo koutwazi nan Haelliott/Wikimedia Commons
learn about credit cards and loans
Photo courtesy of Haelliott/Wikimedia Commons

Kat kredi

Credit cards

Ou ka itilize yon kat kredi pou peye pou bagay sa yo olye pou yo itilize lajan kach. Pou peye nan yon magazen, ou mete yon ti kat plastik nan yon machin. Sou telefon oswa sou entenet, ou ka antre oswa di nimewo kat la ak modpas la.

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.

Kat kredi yo fasil epi san danje pou itilize pou fe Maket ak peye bodwo. Men, yo gen risk. Si ou pa peye tounen kat kredi a chak mwa, ou pral peye entere. Entere se kantite ou peye sou tet sa ou prete. Pi long nan ou pa peye, plis entere ou dwe. Yon anpil moun nan Amerik gen gwo det paske kat kredi.

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.

Istwa kredi

Credit history

Ou gen dwa pa vle sevi ak yon kat kredi akoz risk pou ou jwenn nan det la. Men, li kapab itil pou yon lot rezon: pou komanse istwa kredi ou. Istwa kredi ou se yon dosye sou sa ou genyen prete e koman ou peye li. Yon bon istwa kredi ki ede bati kredi. Si ou bati kredi, ou ka prete lajan le ou bezwen li pou gwo bagay, tankou achte yon machin oswa yon kay.

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.

Konsa ou bezwen yon kat kredi pou konstwi istwa kredi ou. Men, konpayi kat kredi yo pa pral ba ou yon kat kredi sof si ou deja gen bon kredi!

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!

Men kouman mwen ka bati yon istwa kredi san yon kat kredi?

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

Ou ka komanse avek yon kat kredi ki garanti. Machan stilt yo ofri kat kredi pou imigran ak lot moun ki ap lite pou bati kredi. Nan kat kredi garanti yo pa reyelman kredi paske ou deja bay lajan an, oubyen yon moun pwomet pou li peye. Men yo ap pemet ou bati bon kredi. Bank ak konpayi kat kredi yo gen garanti kat kredi, twò. Machan stilt gen pi ba pousantaj entere ak yon pwosesis pi fasil pou aplike pase lot konpayi yo. Konsa, fe Inyon kredi.

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.

Rantre nan yon Inyon kredi

Join a credit union

Inyon kredi yo tankou bank, Men yo eseye ede moun reyisi. Detante yo kont tout pwop Inyon an kredi ansanm. Inyon kredi yo ede pa prete lajan oswa bay kat kredi bay moun ki gen revni ki ba ak moun ki pa gen okenn istwa kredi. Yo ap ede ou ekonomize lajan, twò. ou kapab cheche yon Inyon kredi tou pre ou

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

Pre pesonel

Personal loans

Gen plizye diferan kalite pre ou ka jwenn. Gen kek ki pou ijans kout tem, pandan ke lot moun yo pou sitiyasyon alontem, tankou achte yon kay.

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.

Sou sale prete

Payday lending

Pre sou sale se pou moun ki bezwen lajan kach. Moun prete lajan ki soti nan yon kreyansye pou peye deye jou yo peye. Men pre sou sale souvan mennen nan pi gwo pwoblem lajan grav pase ou komanse ak. Jwenn yon pre sou sale vle di ou deja gen mwens lajan yo ka resevwa nan jiskaske chek pwochen ou. Tou, sou sale enstitisyon pre chaje anpil entere. Konsa ou peye deye anpil plis pase ou prete. Epi si ou pa peye deye tan, ou pral gen pou peye menm plis entere.

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.

Sou sale Altenatif pre (BON ZANMI)

Payday Alternative Loans (PAL)

Sendika kredi yo ka ba ou yon bon chwa pou ijans pase yon pre sou sale: yon pre altenatif sou sale (BON ZANMI). Yon bon ZANMI se yon pre kout tem pou ou pa gen pou ou jwenn yon pre sou sale. Ou ka prete $1,000 e yo pa pral chaje anpil entere. Ou dwe fe yon manm nan Inyon an kredi pou yon mwa anvan ou ka pran yon bon ZANMI.

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.

Mortgages

Mortgages

Mortgages yo pre moun jwenn pou achte yon kay. Gen yon peman gwo fe chak mwa. Men pafwa li pa plis pase peye lwaye, e nan fen, ou pral posede kay ou! Li ka difisil jwenn mortgages. Men Inyon kredi ou kapab ede ou. Li sou mortgages pa sitwayen AMERIKEN. Administrasyon lojman federal la anseye ou sou diferan pre epi ou ka anseye ou kouman pou konseve pou lajan sou nouvo kay ou.

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.

Biznis pre

Business loans

Plizye pwogram nan Etazini ede yo refijye ak imigran yo komanse pwop biznis yo. Yo bay pre ak lot sipo, tankou Konsey biznis ak atelye lajan. Isit la nan se kèk nan yo:

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

Devlopman kominote finansye enstitisyon (CDFIs) tankou Inyon kredi. Yo pa vle fe yon pwofi nan sevis yo. Alaplas de, yo vle ede moun reyisi. CDFIs prete lajan ti biznis yo, nouvo biznis, pou bati kay abodab. ou kapab cheche yon CDFI tou pre ou.

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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