Jifunze kuhusu kadi za mikopo na mikopo

Kiingereza piaKiingereza hakuna

Je, unahitaji kukopa pesa? Mikopo na mikopo ni njia zote kukopa fedha. Baadhi ya aina ya kukopa ni salama zaidi kuliko wengine. Jifunze kuhusu kadi za mikopo, payday mikopo na njia bora ya kukopa fedha.

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
Picha kwa hisani ya Haelliott/Wikimedia Commons
learn about credit cards and loans
Photo courtesy of Haelliott/Wikimedia Commons

Kadi za mikopo

Credit cards

Unaweza kutumia kadi ya mikopo kulipia vitu badala ya kutumia fedha. Kulipa katika kuhifadhi, unaweza kuweka kadi ndogo ya plastiki katika mashine ya. Kwa njia ya simu au online, Unaweza kuingiza au kusema namba ya kadi na nywila.

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.

Kadi za mikopo ni rahisi na salama kutumia kwa ajili ya ununuzi na kulipa bili. Lakini wana hatari. Kama wewe si kulipa kadi ya mkopo kila mwezi, utakuwa kulipa riba. Riba ni kiasi unalipa juu wewe zilizokopwa. Tena wewe si kulipa, maslahi zaidi wewe deni. Mengi ya watu katika Amerika na madeni makubwa kwa sababu ya kadi ya mikopo.

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.

Historia ya mikopo

Credit history

Wewe si unataka kutumia kadi ya mkopo kwa sababu ya hatari ya kupata katika deni. Lakini inaweza kuwa muhimu kwa sababu nyingine: kuanza historia yako ya mikopo. Historia yako ya mikopo ni rekodi ya kuwa zilizokopwa na jinsi wewe kulipwa ni nyuma. Historia nzuri ya mkopo husaidia kujenga mikopo. Kama wewe kujenga mikopo, Unaweza kukopa fedha wakati unahitaji kwa ajili ya mambo makubwa, kama vile ya kununua gari au nyumba.

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.

Hivyo unahitaji kadi kujenga historia yako ya mikopo. Lakini makampuni ya kadi kukupa kadi ya mkopo isipokuwa kama tayari una rekodi nzuri ya kulipa!

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!

Lakini jinsi kujenga historia ya mikopo bila kadi ya mkopo?

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

Unaweza kuanza na kupata kadi ya mkopo. Watembeaji inatoa kupata kadi wahamiaji na watu wengine ambao wanahangaika kujenga mikopo. Kupata kadi si kweli mkopo kwa sababu tayari umetoa fedha, au mtu ameahidi kulipa kwako. Lakini kuruhusu wewe kujenga nzuri ya mkopo. Benki na kampuni za kadi za mkopo na kupata kadi ya mkopo, pia. Watembeaji ina riba chini na mchakato rahisi kutekeleza kuliko makampuni mengine. Hivyo kufanya vyama vya mikopo.

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.

Kujiunga na Umoja wa mikopo

Join a credit union

Vyama vya mikopo ni kama benki, lakini wao kujaribu kuwasaidia watu kufanikiwa. Wamiliki wa akaunti yote mwenyewe Umoja wa mikopo pamoja. Vyama vya mikopo kusaidia kwa kukopesha fedha au kutoa kadi kwa watu wenye mapato ya chini na watu wenye historia hakuna mikopo. Wao watakusaidia kuokoa fedha, pia. Unaweza kupata mikopo ya Muungano karibu na wewe

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

Mikopo binafsi

Personal loans

Kuna aina kadhaa ya tofauti ya mikopo unaweza kupata. Baadhi ni kwa ajili ya dharura ya muda mfupi, wakati wengine ni kwa muda mrefu kwa ajili ya hali ya muda mrefu, kama kununua nyumba.

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 mikopo

Payday lending

Payday mikopo ni kwa ajili ya watu ambao wanahitaji fedha haraka. Watu kukopa fedha kutoka kwa mkopeshaji kulipa siku ya kupata kulipwa. Lakini payday mikopo mara nyingi kusababisha matatizo makubwa zaidi ya fedha kuliko kuanza na. Kupata payday mkopo maana wewe tayari na pesa kidogo kupata mpaka anaweza yako ijayo. Pia, wakopeshaji payday malipo mengi ya maslahi. Hivyo unaweza kulipa mengi zaidi kuliko unayoomba. Na kama si kulipa nyuma katika wakati, utakuwa kulipa riba hata zaidi.

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 mikopo ya mbadala (PAL)

Payday Alternative Loans (PAL)

Vyama vya mikopo inaweza kukupa chaguo bora kwa ajili ya dharura kuliko mkopo payday: mkopo wa mbadala wa payday (PAL). PAL na ni mkopo muda mfupi hivyo huna kupata mkopo payday. Unaweza kukopa hadi $1,000 na wao wala malipo sana maslahi. Una kuwa mwanachama wa chama cha mikopo kwa mwezi kabla ya wewe kuchukua nje PAL na.

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.

Rehani

Mortgages

Rehani ni mikopo ya watu kupata kununua nyumba. Kuna malipo makubwa kufanya kila mwezi. Lakini wakati mwingine ni hakuna zaidi ya kulipa kodi, na mwishoni, wewe mwenyewe nyumba yako! Inaweza kuwa vigumu kupata rehani. Lakini Muungano wenu mikopo inaweza kukusaidia. Soma kuhusu rehani kwa raia wasiokuwa wa Marekani. Utawala wa nyumba ya shirikisho anafundisha wewe kuhusu mikopo ya tofauti na anaweza kukufundisha jinsi ya kuokoa fedha juu ya nyumba yako mpya.

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.

Mikopo ya biashara

Business loans

Programu kadhaa kote Marekani kuwasaidia wakimbizi na wahamiaji kuanza biashara zao wenyewe. Wao kutoa mikopo na misaada mingine, kama vile biashara ushauri na fedha warsha. Hapa ni baadhi yao:

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

Taasisi za fedha wa ibada maendeleo, jamii (CDFIs) ni kama vyama vya mikopo. Je unataka kupata faida kutoka huduma zao. Badala yake, wanataka kuwasaidia watu kufanikiwa. CDFIs kuwakopesha fedha kwa biashara ndogo ndogo, biashara mpya, na kujenga nyumba za bei nafuu. Unaweza kupata CDFI karibu na wewe.

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.

Jifunze zaidi

Learn more

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