Sužinokite daugiau apie kreditinės kortelės, paskolos

Taip pat lietuviųNe anglų kalba

Ar jums reikia skolintis pinigų? Kredito ir paskolos yra abiejų būdų pasiskolinti pinigų. Kai kurios skolinimosi rūšys yra saugesnės nei kitos. Sužinokite daugiau apie kreditines korteles, mokėjimo diena paskolos ir geriausių būdų skolintis pinigus.

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
Nuotraukų mandagumo Haelliott/Wikimedia Commons
learn about credit cards and loans
Photo courtesy of Haelliott/Wikimedia Commons

Kreditinės kortelės

Credit cards

Galite naudoti kredito kortelę, kad sumokėsite už daiktus, o ne už naudojimąsi grynaisiais pinigais. Mokėti parduotuvėje, jūs įtraukėte mažą plastikinę kortelę mašina. Telefonu arba internetu, galite įvesti arba ištarti kortelės numerį ir slaptažodį.

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.

Kreditinės kortelės yra lengva ir saugu naudoti apsipirkti ir apmokėti sąskaitas. Tačiau jie Riziki. Jei jums nereikia grąžinti kredito kortelę kas mėnesį, jums mokės palūkanas. Palūkanos yra suma, kurią mokate viršuje, ką pasiskolinome. Kuo ilgiau nemokėsite, tuo daugiau palūkanų jums skolingas. Daug žmonių Amerikoje turi didelių skolų, nes kreditinės kortelės.

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.

Kredito istorija

Credit history

Jūs galite nenorėti naudoti kreditinę kortelę, nes rizika gauti į skolą. Bet tai gali būti naudinga dėl kitos priežasties: pradėti savo kredito istorija. Jūsų kredito istorija yra tai, ką jūs pasiskolinome įrašą ir kaip gerai jūs sumokėjo jį atgal. Gera kredito istorija padeda kurti kredito. Jei kuriate kredito, galite skolintis pinigų, kai reikia didelių dalykų, pvz., perkant automobilį ar namų.

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.

Taigi jums reikia kreditinės kortelės sukurti savo kredito istorija. Bet kredito kortelių įmonės nebus duoti jums kreditinės kortelės, nebent jūs jau turite gerą kredito!

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!

Bet kaip aš galiu sukurti kredito istoriją be kreditinės kortelės?

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

Galite pradėti nuo užtikrintos kreditinės kortelės. Stilt siūlo garantuotas kredito korteles imigrantams ir kitiems žmonėms, kurie kovoja kurti kredito. Užtikrintos kreditinės kortelės nėra tikrai kreditą, nes jūs jau suteikta pinigų, ar kas nors pažadėjo mokėti už jus. Bet jie leidžia jums sukurti gerą kredito. Bankai ir kredito kortelių įmonės turi užtikrintos kreditinės kortelės, per. Stilt turi mažesnes palūkanų normas ir lengviau procesą taikyti nei kitos bendrovės. Taigi, kredito unijos.

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.

Prisijunkite prie kredito uniono

Join a credit union

Kredito unijos yra tarsi bankai, Tačiau jie stengiasi padėti žmonėms sėkmingai. Sąskaitos turėtojai visos kredito unės kartu. Kredito unijos padėti skolinant pinigus arba suteikiant kredito korteles žmonių su mažas pajamas ir žmonės, kurių kredito istorija. Jie padės jums sutaupyti pinigų, per. tu gali rasti šalia jūsų kredito uną

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

Asmeninės paskolos

Personal loans

Yra keletas skirtingų rūšių paskolas galite gauti. Kai kurie iš jų skirti trumpalaikiams atvejams, while others are for long for long-term situations, like buying a house.

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 lending

Payday lending

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. Taip pat, 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 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 Alternative Loans (PAL)

Payday Alternative Loans (PAL)

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.

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 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.

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.

Business loans

Business loans

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. Čia yra kai kurie iš jų:

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

Community development financial institutions (CDFIs) are like credit unions. They do not want to make a profit from their services. Vietoj, 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.

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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