Baro kaararka deynta iyo deyn

Ingiriisi sidoo kaleNo Ingiriisi

Ma u baahan tahay inaad soo amaahato lacag? Credit iyo deymaha yihiin labada dhinacba inaad soo amaahato lacag. qaar ka mid ah amaahashada amaan badan tahay kuwa kale. Baro kaararka deynta, amaahda degdegga ah iyo hababka ugu fiican inaad soo amaahato lacag.

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

kaararka deynta

Credit cards

Waxaad isticmaali kartaa credit card si ay ugu bixiyaan waxyaabaha halkii la isticmaalayo lacag caddaan ah. Si aad u bixiso dukaan, waxaad ka dhigi kaar caag yar oo mashiin. Telefoonka ama internetka, waxaad geli kartaa ama ku odhan karaa lambarka kaarkaaga iyo password.

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.

kaararka deynta waa mid fudud oo ammaan in la isticmaalo for gadanaysid iyo bixinta biilasha. Laakiin waxay leeyihiin khataro. Haddii aadan dib u bixiso kaarka deynta bil kasta, waxaad bixin doontaa xiisaha. Interest waa lacagta aad bixiso on top of waxa aad amaahatay. The dambe aadan bixin, xiiso badan oo aad ka qabtid. Dad badan ayaa ku America leeyihiin deynta weyn, sababtoo ah kaararka deynta.

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.

taariikhda credit

Credit history

Waxaa laga yaabaa inaad ma rabto in aad isticmaasho kaarka deynta ah sababtoo ah khatarta ah ee u galo dayn. Laakiin waxa ay noqon kartaa mid faa'iido u sabab kale: si ay u bilaabaan taariikhda credit aad. taariikhda credit waa diiwaanka wixii aad amaahatay iyo sida ugu wanaagsan ee dib aad u bixisay. A taariikhda credit wanaagsan ka caawisaa in la dhiso credit. Haddii aad dhiso credit, waxaad ka amaahan kartaa lacag marka aad u baahan tahay, waayo, waxyaalaha weyn, sida gadashada baabuurka ama guri.

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.

Sidaas waxaad u baahan tahay kaarka amaahda si ay u dhisaan taariikhda credit aad. Laakiin shirkadaha credit card aadan siin doonaa kaarka deynta haddii aad horey u credit wanaagsan!

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!

Laakiin sidee baan u dhisi karaa taariikhda credit aan credit card?

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

Waxaad bilaabi kartaa kaarka deynta xaqiijisatay. Stilt bixiyaa kaararka deynta xaqiijisatay soo guurey iyo dadka kale ee halgan si ay u dhisaan credit. kaararka deynta xaqiijisatay yihiin run ahaantii ma amaah maxaa yeelay, aad hore u siin lacagta, ama qof ayaa ku ballanqaaday inuu siinayo kuu. Laakiin waxay u oggolaadaan in aad si ay u dhisaan credit wanaagsan. Bangiyada iyo shirkadaha credit card ayaa xaqiijisatay kaararka deynta, aad. Stilt leeyahay dulsaarka hoose iyo nidaam u fududahay in ay ka codsan badan shirkadaha kale. Sidaas samayn ururada shaqaalaha credit.

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.

Ku biir urur credit a

Join a credit union

ururada Credit waa sida bangiyada, laakiin waxa ay isku dayaan in ay caawiyaan dadka ku guulaystaan. Kooxda heysata The account oo dhan wada leedahay ururka credit ah. ururada Credit caawin by lacagaha deenta ama la siiyo kaararka deynta dadka uu dakhligoodu yar yahay iyo dadka taariikhda credit lahayn. Waxay kaa caawin doona inaad badbaadiyo lacagta, aad. Waad awoodaa heli credit union kuu dhow

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

daymaha shakhsiga

Personal loans

Waxaa jira dhawr nooc oo kala duwan oo ah deymaha aad ka heli karto. Qaar ka mid ah xaaladaha degdegga ah muddo-gaaban, halka qaar kalena ay yihiin muddo dheer xaaladaha muddada dheer, sida iibsashada guri.

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.

daynta Maalinta mushaarka

Payday lending

amaahda degdegga ah waxaa loogu talagalay dadka si deg deg ah u baahan yihiin lacag kaash ah. Dadka lacagta ka soo gasho amaahiye amaahan inaad dib u bixiso maalinta ay lacag. Laakiin amaahda degdegga inta badan keenayso dhibaato lacag ka halis badan aad bilowdo leh. Helitaanka amaah degdegga ah waxay ka dhigan tahay in aad hore u leedahay lacag yar si aad u hesho iyada oo ilaa jeegaaga soo socda. Sidoo kale, Wonga ka qaadaan badan oo xiiso leh. Oo sidaas waa inaad dib u badan oo ka badan inta aad ka amaahan bixin. Oo haddii aadan bixin dib markii, waxaad u baahan doontaa inaad bixiso dulsaar xitaa more.

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.

Maalinta mushaarka Alternative Amaahda (Pal)

Payday Alternative Loans (PAL)

ururada Credit siin karaan doorasho wanaagsan xaaladaha degdegga badan amaah degdegga ah: amaah kale degdegga ah (Pal). Pal A waa amaah muddo gaaban ah ma si aad si aad u hesho amaah degdegga ah. Waxaad amaahan kartaa ilaa $1,000 mana ay ka qaadaan doonaa xiisaha aad u badan. Waxaad u leeyihiin in ay xubin ka mid ah ururka credit muddo bil ah ay noqon ka hor inta aadan qaadan kartaa Pal a.

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.

amaahda

Mortgages

Amaahda waa deyn dadka u hesho inuu guri ka iibsado. Waxaa jira lacag badan oo in la sameeyo bil kasta. Laakiin mararka qaarkood wax ka badan kirada bixiso waa, iyo dhamaadka, aad gurigaaga leedahay doonaa! Way adkaan kartaa in la helo amaahda. Laakiin waxaa laga yaabaa in ururka credit aad kuu caawin. Read ku saabsan amaahda aan US muwaadiniinta. Maamulka Housing Federaalka idin bara ku saabsan amaahda kala duwan oo waxaan idin barayaa karaa sida si loo badbaadiyo lacag on gurigaaga cusub.

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.

daymaha Business

Business loans

barnaamijyo dhowr ah ee guud ahaan Maraykanka caawimo qaxootiga iyo doolka bilaabaan ganacsi iyaga u gaar ah. Waxay ku siin deyn iyo taageero kale, sida talo ganacsi oo lacag seminaaro. Halkan waxaa ku qoran qaar ka mid ah:

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

horumarinta Bulshada hay'adaha maaliyadeed (CDFIs) waa sida ururada shaqaalaha credit. Ma doonayaan in faa'ido laga helo adeegyada ay. halkii, ay doonayaan in ay caawiyaan dadka ku guulaystaan. CDFIs wax amaahisaan lacag si ay ganacsi yar yar, ganacsiga cusub, iyo in la dhiso homes.You la awoodi karo heli CDFI kuu dhow

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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