Business Loans

Izibalo Zemalimboleko Yomuntu Siqu zango-2024

Abantu ababili ababuyekeza amadokhumenti endlela yemalimboleko |  Izibalo zemalimboleko yomuntu siqu
Ukuqonda izibalo zemalimboleko yomuntu siqu kubalulekile ekwenzeni izinqumo ngezezimali unolwazi. Lezi zibalo zinikeza imininingwane ebalulekile kumathrendi okuboleka, izilinganiso zenzalo, amaphethini okukhokha, namazinga azenzakalelayo. Ngokuhlaziya le datha, ungenza izinqumo ezinolwazi olunzulu mayelana nokuthi ungayithatha yini imali mboleko yomuntu siqu, ukuthi ungayiboleka malini, nokuthi yimiphi imigomo ongavumelana nayo. Ikuvumela ukuthi uhlole ubungozi obuhilelekile bese ukhetha inketho efaneleke kakhulu yemalimboleko ehambisana nemigomo yakho yezezimali kanye namandla okukhokha. Empeleni, ukwazi ngezibalo zemalimboleko yakho kukunika amandla okwenza izinqumo ezinomthwalo wemfanelo neziphusile ngokomnotho ekuphatheni izimali zakho.

Njengamanje, isikweletu semalimboleko yomuntu siqu siyaqhubeka nokukhula. Qhubeka ufunda ukuze ufunde mayelana nezibalo zakamuva zokubolekwa komuntu siqu namathrendi nge-Wise Loan. Thola imininingwane yokuboleka okuhle kakhulu namuhla.

Yiziphi Izimalimboleko Zomuntu?

Imalimboleko yomuntu siqu ziwuhlobo lohlelo lwezezimali lapho uboleka khona inani elithile lemali kumbolekisi, ngokuvamile ibhange noma inyunyana yezikweletu, ngokuqonda ukuthi uzobuyisela inani elibolekiwe esikhathini esinqunyelwe kusengaphambili. Lezi yimalimboleko engavikelekile, okusho ukuthi ayidingi isibambiso. Zivame ukusetshenziselwa izinjongo zomuntu siqu ezihlukahlukene ezifana nokuhlanganiswa kwezikweletu, ukuthuthukiswa kwekhaya, izindleko zemfundo, noma izikweletu zezokwelapha ezingalindelekile. Isici esisodwa esiphawulekayo semali mboleko yomuntu siqu isikhathi sazo sokugunyazwa esisheshayo, okubenza babe inketho ekhangayo kulabo abadinga uxhaso olusheshayo. Imali mboleko yomuntu siqu iza namazinga enzalo angaguquki noma aguquguqukayo, futhi imigomo nemibandela ingahluka ngokuya komabolekisi kanye nokufaneleka komboleki. Ngokungafani namakhadi esikweletu, imali ebolekiwe yomuntu siqu inikeza isamba semali ngaphambili, okuwenza abe yinketho edumile kubantu abafuna ukuxhasa ngezimali amaphrojekthi athile noma ukumboza izindleko ezingahlelelwe.

Izibalo Ezibalulekile Zemalimboleko Yomuntu Siqu

Owesifazane osemusha ucabanga ukuboleka imali |  Izibalo zemalimboleko yomuntu siquOwesifazane osemusha ucabanga ukuboleka imali |  Izibalo zemalimboleko yomuntu siqu

Isikweletu semali mboleko yomuntu siqu senyuke ngo-2023. Idatha yamanje etholakalayo kakhulu iveza amaqiniso abalulekile alandelayo mayelana nezilinganiso zenzalo, amanani emali mboleko, isilinganiso semibandela yemalimboleko yomuntu siqu, kanye namazinga okunqatshelwa amaphakathi:

  • Amanani enzalo: Ngokusekelwe kokutholwe ocwaningweni lwe-Bankrate, siphawula ukuthi isilinganiso senzalo esivamile semali mboleko yomuntu siqu simi ku-11.56% kusukela ngo-January 3, 2024. Nokho, kubalulekile ukuqonda ukuthi inani langempela ongase unikezwe lona lingahluka, libe phezulu noma okuphansi, okubonisa izici ezithile zesimo sakho sezezimali. Ishadi elilandelayo lihlukanisa izilinganiso zenzalo ngebanga lesikolodo:

ISIKOLO SESIKWELETU

ISILINGANISO SENZALO YOKUBOLEKWA
720–850 10.73%-12.50%
690–719 13.50%-15.50%
630–689 17.80%-19.90%
600–629 28.50%-32.00%
  • Isilinganiso senani lemalimboleko: Kusukela kwikota yesithathu ka-2023, isilinganiso sesikweletu semalimboleko yomuntu ngamunye kuma- $11,692. Lokhu kukhuphuka kusilinganiso sika-$10,749 ngonyaka odlule, okubonisa ukuthi ababoleki bathatha isikweletu esithe xaxa ngokwesilinganiso.
  • Imigomo Emaphakathi Yemalimboleko Yomuntu Siqu: Ithebula elilandelayo libonisa isikhathi semalimboleko yomuntu siqu esimaphakathi ngokwebanga lesikolodo. Ababoleki abanesikweletu esibi kakhulu bathole imigomo emifushane kakhulu.
ISIQEPHU SESIKWELETU (SCORE) UBUDE BOKUBOLEKWA
I-Subprime (300-600) Izinyanga ezingu-16
Eduze kwe-Prime (601-660) Izinyanga ezingama-29
I-Prime (661-720) Izinyanga ezingama-46
I-Prime Plus (721-780) Izinyanga ezingama-57
I-Super Prime (781+) Izinyanga ezingama-68

Umthombo: I-TransUnion. Idatha ingeyemalimboleko eqalwe ku-Q2 2023

  • Isilinganiso sokwenqatshwa esimaphakathi: Ngokusho kwedatha evela ku-Federal Reserve Bank yaseNew York, ezinyangeni eziyi-12 eziphetha ngoJuni 2023, u-21.8% wabantu abafuna ikhredithi yazo zonke izinhlobo babhekane nokunqatshwa. Lokhu kusho ukuthi ngaphezu ko-1 kwaba-5 abafake izicelo zamakhadi esikweletu, ama-mortgages, imali mboleko yezimoto, noma ezinye izinhlobo zezikweletu zenqatshiwe. Lokhu kumelela izinga elikhulu kakhulu lokuphikwa okwafakazelwa eminyakeni emihlanu edlule, njengoba kubikwe yi-NY Fed.

Personal Loan Facts

Owesifazane osemusha ucindezelekile ngesikweletu sakhe |  Izibalo zemalimboleko yomuntu siquOwesifazane osemusha ucindezelekile ngesikweletu sakhe |  Izibalo zemalimboleko yomuntu siqu
Nawa amanye amaqiniso athakazelisayo futhi angaziwa kancane mayelana nemalimboleko yomuntu siqu ephathelene nesikweletu esiphelele, usayizi wemakethe, inani lezikweletu, namazinga obugebengu:

  • Isikweletu Siphelele: Abantu baseMelika njengamanje bakweleta amaRandi ayizigidi eziyizinkulungwane ezingama-241 esikweletini semalimboleko yomuntu siqu. Lokhu kuphawula ukwenyuka okuphawulekayo kusuka ku-$232 billion kwikota edlule kanye namaRandi ayizigidi eziyizinkulungwane ezingu-210 ngonyaka odlule, okubonisa ukweqa okungu-3.9% kwekota ngaphezulu kwekota kanye nokwenyuka ngo-14.8% kunonyaka owandulele. Umkhuba uphezulu ngokusobala, ukhombisa ukuthembela okukhulayo emalimboleko yomuntu siqu.
  • Inani Lababoleki: Isibalo sabantu baseMelika abanemali ebolekiwe sikhuphuke safinyelela ezigidini ezingama-23.2 ngekota yesithathu ka-2023, sisuka ezigidini ezingama-22.0 ngonyaka owedlule. Lokhu kunyuka okungu-5.5% konyaka nonyaka kuphakamisa ukuthi abantu abaningi baphendukela emalimboleko yomuntu siqu, okubonisa ukukhula kwezidingo zezimali noma izimo.
  • Ingxenye Yesikweletu: Isikweletu semalimboleko yomuntu siqu sihlanganisa u-1.4% waso sonke isikweletu somthengi esisasele kusukela ngekota yesithathu ka-2023. Uma sigxila esikweletini somthengi okungezona ezezindlu, simelela u-5.0%. Ngokomongo, abantu baseMelika bakweleta u-$1.079 trillion esikweletini sekhadi lesikweletu, okwenza u-6.2% wesikweletu esisilele sisonke. Lezi zibalo zinikeza umbono wokuqhathanisa wemali mboleko yomuntu siqu ngaphakathi kwendawo enkulu yezikweletu.
  • Isilinganiso sobuhlongandlebe: Izinga lobuhlongandlebe lemali mboleko yomuntu siqu, ekhombisa izinkokhelo ezinsukwini ezingama-60 noma ngaphezulu ezidlule, liku-3.75% kusukela ngekota yesithathu ka-2023. Lokhu ukwehla ukusuka ku-3.89% ngonyaka odlule, okuphakamisa ukuthuthukiswa kokuziphatha kokukhokha naphezu kokwanda izikweletu.
  • Inhloso Yemalimboleko: Iningi lababoleki, u-52.9%, lisebenzisa imalimboleko yomuntu siqu ukuhlanganisa isikweletu noma ukubuyisela amakhadi esikweletu. Okwesibili ukusetshenziswa okuvame kakhulu ukuthuthukiswa kwekhaya, okubalelwa ku-7.5%. Lezi zibalo zisikhanyisela ngezisusa eziyinhloko zokuboleka.

Amathrendi emalimboleko yomuntu siqu

Owesifazane ugcwalisa isicelo semalimboleko yokulungisa izimoto ku-smartphone |  Izibalo zemalimboleko yomuntu siquOwesifazane ugcwalisa isicelo semalimboleko yokulungisa izimoto ku-smartphone |  Izibalo zemalimboleko yomuntu siqu
Okulandelayo amanye amathrendi abaluleke kakhulu anomthelela embonini yemalimboleko yomuntu siqu. Lawa mathrendi athinta izindima zokuzenzakalela, izinkundla ezisekelwe efwini, imalimboleko ye-AI-mediated, kanye nesidingo sesevisi yomuntu siqu kakhulu:

  • Okuzenzakalelayo Okugcwele: Enqubweni yokufaka isicelo semalimboleko, abafakizicelo babeka phambili isivinini nokusebenza kahle, ukwazisa ukuqedwa okusheshayo kanye nokuthatha izinqumo ngokushesha. Ngokuphuthuma kwezimali nezinye izinketho uma nje usesho lwe-Google, abathengi, ikakhulukazi abanolwazi lwezobuchwepheshe, bancamela ukugwema ukuvakashela amagatsha noma ukuphatha amaphepha, bafune izixazululo eziku-inthanethi ngokushesha.
  • Ukuboleka Okusekelwe Efu: Umkhakha wamabhange kancane kancane wamukela ubuchwepheshe bamafu, nakuba kusezigabeni ezisanda kuzalwa. Izinkundla zokubolekwa ngamafu zinikeza izixazululo ezilula, eziguquguqukayo, nezivikelekile zokuqalisa amasevisi nemikhiqizo emisha, ezikhuthaza ukuqamba izinto ezintsha ngokushesha. Baphinde benze umsebenzi wokubolekwa imali ngokuzenzakalelayo, baphathe amadokhumenti ngokuphephile, futhi banciphise ukukhwabanisa nezingozi zokweba.
  • Isevisi yomuntu siqu: Esikhathini sedijithali, izikhungo zezezimali kufanele zidlulele ngalé kokwenza kube ngokwakho okubalulekile ukuze zibandakanye futhi zigcine amakhasimende, manje adinga ukuzizwisa okuklanyelwe kanye neminikelo efanele. Izinhlelo zokusebenza ezingaphelele zisahlinzeka ngemininingwane ebalulekile, engasetshenziswa ukuze kwethulwe iziphakamiso ezenzelwe umuntu siqu kakhulu, kuthuthukiswe ukwethembeka kwamakhasimende kanye nokukhulisa imali engenayo. Sicela wenze njalo ukuze uqinisekise amanani okuguqulwa angcono namakhasimende anelisekile.
  • Ukubolekwa Okuqhutshwa yi-AI: Ubuhlakani bokwenziwa buguqula isimo sokugunyazwa kwemali mboleko, ngama-algorithms nokufunda komshini okuvumela izikhungo zezezimali ukuthi zeqe imibandela yokugunyaza evamile. Ukusebenzisa amathuluzi okuboleka aqhutshwa yi-AI kuvumela ababolekisi be-inthanethi ukuthi bakhombe ngokunembile amakhasimende afanelekile, basheshise izinqumo ezibanzi zokuboleka, futhi bathuthukise uhambo lwamakhasimende lonke. Ukwamukelwa kobuhlakani bokwenziwa kunikeza amandla amakhulu okukhulisa ukutholwa kwamakhasimende nokukhulisa imali engenayo.
  • Ukubolekwa Kwezemvelo, Kwezenhlalakahle, Nokubusa: Ukubolekwa kwe-ESG kuya ngokuya kubumba ukukhetha kwabathengi ezikhungweni zezimali, njengoba abaningi bebeka phambili izibopho zemvelo nezokuziphatha, nezinkampani ezincamelayo ezingaphezu kuka-75% ezimelela lezi zinkinga. Amabhange afaka imali ebolekiwe exhumene nokusimama atshala kubuchwepheshe obulungele i-ESG, futhi abhekane ngokusobala nokukhathazeka okufana nokukhishwa kwekhabhoni kanye negebe lamaholo obulili abekwe esimweni sokuzuza umkhawulo wokuncintisana. Lokhu kugxilwa kwezimiso zokuziphatha, okwake kwaba ukukhathazeka kwezinkampani ezinkulu, manje kuyisici esibalulekile ebudlelwaneni bamakhasimende namabhange.

Lokho Ababolekwa Abantu Abangakulindela Ngo-2024

Ngo-2024, ababoleki bazozulazula endaweni lapho amanani emalimboleko yomuntu siqu evame ukukhuphuka, hhayi nje emalimboleko yomuntu siqu kodwa kuyo yonke imikhiqizo ebolekwa ngabathengi njengemali mboleko, imali mboleko yabafundi, namakhadi esikweletu. Labo abafuna ukuhlanganisa isikweletu sekhadi lesikweletu bangase bathole ukukhululeka emalini ebolekiwe yomuntu siqu, enikeza amanani aphansi, njengenani lamanje lemali mboleko yeminyaka emibili, nokuzinza kwezilinganiso ezigxilile nezinkokhelo. Kodwa-ke, ezinye izindlela ezifana namakhadi okudlulisa ibhalansi noma imalimboleko evikelekile kufanele zicatshangelwe ngokucophelela, kulinganisa ukonga okungaba khona ngokumelene nezingozi ezifana nokulahlekelwa isibambiso. Sekukonke, ngokukhuphuka kwamazinga enzalo, ukuboleka ngobuhlakani, nokusebenzisa isikweletu kubaluleke kakhulu kunangaphambili. Ukwazi lokhu kungakusiza ukuthi uhlale uzilungiselele izinguquko ezizayo namathuba emakethe.

Faka isicelo Semalimboleko Ngemalimboleko Ehlakaniphile

Insizwa ejabulile ithola imvume yokubolekwa |  Izibalo zemalimboleko yomuntu siquInsizwa ejabulile ithola imvume yokubolekwa |  Izibalo zemalimboleko yomuntu siqu
I-Wise Loan ivele njengombolekisi wemalimboleko yomuntu siqu ovelele, egujwa ngokuhlelwa kwayo, isicelo esisebenziseka kalula kanye nenqubo yokugunyaza ngokushesha. Siyaqonda ukuthi uma kukhulunywa ngosizo lwezezimali, isikhathi siwumongo. Yingakho siklame izinsiza zethu ukuthi zifinyeleleke futhi zisebenze kahle ngangokunokwenzeka, siqinisekisa ukuthi uthola ukwesekwa okudingayo ngaphandle kokubambezeleka okungadingekile. Ngemalimboleko Ehlakaniphile, uyazuza emazingeni ancintisanayo, izinketho zokukhokha eziguquguqukayo, kanye nenqubo yokuboleka esobala ebeka izidingo zakho kuqala. Noma ngabe uhlanganisa isikweletu,
ukuxhasa ngezimali izindleko ezingalindelekile, noma ukutshala imali kuphrojekthi yomuntu siqu, i-Wise Loan izibophezele ekunikezeni isisombululo esivumelana nemigomo yakho yezezimali. Ungavumeli inkimbinkimbi ikuvimbele ezifisweni zakho zezomnotho. Qala isicelo sakho namuhla futhi uthole ubulula nokuthembeka kokuboleka nge-Wise Loan. Izwa umehluko nomabolekisi oqondayo futhi owazisa uhambo lwakho lwezezimali. Joyina abaningi abathole isisombululo sabo sezezimali nathi futhi faka isicelo semalimboleko namuhla!

Izithenjwa

Ibhange: Iyini isilinganiso senzalo yemalimboleko yomuntu siqu?

I-LendingTree: Izibalo Zemalimboleko Yomuntu Siqu: 2024

I-Transunion: Umbiko Wemininingwane Yemboni Yokubolekwa Komuntu Siqu Engavikelekile

I-Federal Reserve Bank yaseNew York: I-SCE Credit Access Survey

I-Temenos: 5 Amathrendi Alungisa Kabusha Imboni Yokuboleka


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