Key Points
- Kaffaltiin sobbooqaa(interest) haala jireenya kee fi ulaagaa liqeessitootaa irratti hundaawee adda adda
- Qabxiiin galmee liqaa kee "credit score" hagam akka ati itti gaafatamummaan liqaa of irraa baasuu dandeessu liqeessitootatti mul'isa
- Liqeessitootni kan ilaalan seenaa glamee galmee maallaqaa kee kan Australia qofa
Liqiin dhuunfaa kan ati yeroo jedhame keessatti sobbooqaa isaa waliin deebiftee kafaltu, akka ati qarshii haga tokko liqeeffattu si dandeessisa.
Liqaan dhuunfaa waan adda tahe kanneen akka konkolaataaf, boqonnaa, cidhaafaatiif fayyadamna.
"Faayidaan dhugaa liqii dhuunfaa yeroo murtaa’e keessatti baasii kee akka waliin geessu kan si dandeessisu yoo ta’u, kunis maallaqa keetti baajata tolfachuuf si gargaara." Jedha Andrew Dadswell dhimma Komishinii Nageenyaa fi Homishatnaa gartuu Moneysmart jedhamu irraa.
"Liqiin miidhaan isaa maallaqa dabalaa kan si baasisuu fi sobbooqaa (interest) si kafalchiisu tahuu isaa ti. “
Liqaa maallaqaa liqeeffachuuf idileetti gara doolaara kuma lamaa (2,000) haga kuma dhibba tokkootti(100,000) liqeeffachuun kan dandaámu yoo tahu, kunis wagga lamaa haga wagga torbaa gidduutti kan of irraa kafalanii fixan taha.
Liqii dhuunfaaf gahaa ni taataa?
To apply, you must be an Australian citizen or permanent resident aged 18 or older.
“There are some circumstances where, as a temporary visa holder, you would be able to get a personal loan, but there would be additional requirements,” Mr Dadswell says.
Lenders are only interested in your Australian credit history. They’ll ask for your employment details, proof of identity and what assets and debts you have, including credit cards.
Walumaa galattii liqaa argachuuf umriin kee wagga 18 ol ta’uu fi lammii ykn jiraataa Australia tahuu qabda.
"Halli tokko tokko kan yoo viizaa yeroo qabaatte liqaa argachuu itti dandeessu jira, garuu ulaagaa dabalaa gaafatamutu jira" jedha obbo Dadswell.
Warreen sii liqeessan , seenaa galii maallaqaa kee, hojii akkamii akka hojjettu, Eenyummaa kee kan ibsu qabaachuu kee akkasumas liqiin maallaqaa si irra jiru yoo jiraatee fi qabeenya yoo qabaatteef si gaafatu. Fakkeenyaaf, liqaan maallaqaa kaardii durs-idaa (credit card) si irra jiraachuu si gaafatu. “
Qabxii galmee liqaa kees si gaafatu.
Credit report form on a desk with other paperwork. There are also a pen, glasses and a calculator on the desk Credit: courtneyk/Getty Images
Qabxiin galmee liqaa maal?
Kana akkuma suuraa seenaa liqii kee Australia keessaa akka fudhatanitti yaadi jedhti Amy Bradney-George, Gorsituun maallaqaa dhuunfaa finder irraa.
"Qabxiin liqaa maallaqaa kee lakkoofsa dha. Akka waliigalaatti duwwaa irraa eegalee haga kuma tokkootti lakkoofsi jiru, lakkoofsi kun ati nama ittti gaafatamummaadhaan liqaa of irraa baasu tahuu kee kan ittiin warri sii liqeessuuf deeman si gamaaggamanii dha.
A lower credit score means there's more risk for the lenders so they will increase that interest rate.Amy Bradney-George
Your credit score will drop if you've missed repayments on credit cards or loans in the past.
While it can be tempting to apply to several lenders at once, this can actually lower your credit score as it suggests you’re under financial stress.
Credit: Jacobs Stock Photography Ltd/Getty Images
liqaa dhuunfaa gosa meeqatu jira?
Start by researching lenders, their interest rates, fees, requirements, and loan terms.
warreen liqeessan qorachuu fi sobbooqaa isaan, baasii, ulaagaalee fi akkasumas yeroo hagam akka sii kennan adda baafachuun eegali.
Moneysmart liqaa hagam akka deebiftanii of irraa kafaltan fi dhala hagam akka kafaltan herrguu isin gargaaruu danda’a yoo sarara interneetaa irraan barreessitanii ilaaltan.
Dhaabbileen faayinansii, kan akka baankiifaa fi kuufata waloo (baankii namootni dhuunfaatti waliin qabaatan) (mutuals) kan jedhaman, kan dhuunfaa maammiloota tahan tarii akka fedhii keetti liqaa sii kennuuf ni danda’u.
"Baankonni fi mutuals warri jedhaman liqeeffattootni maallaqa liqeeffatan of irraa deebisanii kafaluu danda’uu isaanii mirkaneeffachuuf, dambii gaafatamummaan liqeessuu jedhu kaayyeffatanii jiru."
" Akksumas, baankii kan hin taane liqaa dhuunfaa kennan ulaagaa isaan gaafatan kan warra baankii irra caalaa saphlaa dha. Haa tahu malee, liqiwwan akkasii irratti tarii sobbooqaa fi baasii guddaa baasuu ni malta."
Liqaan maallaqaa dhuunfaa gosa lama akka jiran hunbachuun gaarii dha. Isaanis wabii fi wab-hin qabne. Ykn Secured and unsecured jedhamu.
- Secured loans are used to purchase large assets such as cars. The lender uses your asset as security – or a guarantee – to minimise any risk to them if you cannot meet the loan commitments. If you don’t make your repayments, they can repossess your assets. Secured loans generally have fixed interest rates.
- Liqaan wabii qabu mi’oota gurguddaa akka konkolaataafaa bitachuuf nama gargaara, jedha Paul Farmer ammas.Liqaa dhuunfaan wabii qabu bakka liqeessan qabeenya sana irratti wabii fudhatuu dha. Liqeessaan sababni itti qabeenyaa irratti wabii fudhatuuf tarii yoo ati deebiftee liqaa kana kaffaluuf dadhabde rakkoo maallaqa ofii dhabuun dhalachuu malu hir’isuuf jecha. Yoo kafaluu baatte qabeenya kee fudhachuu danda'a. liqaan wabii qabu walumaa galatti sobbooqa hin jijjiiramne dha.
- Liqaan wabii hin qabne ammo qabeenyaa akka wabiitti qabsiisuu si hin barbaachisu, garuu akka waliigalaatti sobbooqaan kafalamu guddaa dha.
Liqaa maallaqaa dhuunfaa wabii-hin qabneef, leqeessaan maallaqaa hagama akka liqeeffachuu dandeessu ni daangessa. Akka waliigalaatti hagi liqeeffatamu kuma lamaa (2,000)haga kuma digdamaa(20,000) ti.
Liqaaf iyyata nqachuu
Yoo ulaagaalee hunda guutuu fi akka liqaa kee deebiftee kaffaltu of irratti amantaa qabaatte yeroo baayyee liqeessaa filattee toora interneetaan galmee barbaadamu itti qabsiistee iyyata galfachuu dandeessa.
Iyyatnoon liqaa maallaqaa argachuu didamuun waanuma jiru dha.
Yeroo iyyannoo keessan gamaaggaman, yoo kan galiin argattan kan deebisanii liqaa of irraa kafaluu hin dandeessisne tahe iyyatnoo san ni kuffisu jedhchuun akeekkachiisti adde Bradney-George.
" Akkasumas galii waliin walitti hidhatee, yoo hojii tasgabbahaa hin qabaanne ykn hojii kee irra waggaa dheeraaf hin turre tahe kana kana hunda ilaalanii iyyatnoo kee kuffisuu danda’u.”
Yoo deebiftee liqaa of irraa kafaluu dadhabde maaltu taha?
Kaffaltii barfachuun kaffaltii dabraa kan biraa hawwata.
Yoo haala akkan rakkisaa keessa kan jirtan tahe, filannoowwan rakkina maallaqaaf jiran liqeessaa keessan waliin marihaachuun gaarii dha. Tarii yeroo liqaa isinii fooyyessuu danda’u taha.
Gorsitootni faayinansii bilisa, karaa sarara Gargaarsa Liqaa Biyyaalessaa 1800 007 007 ykn Afaan Inglishii yoo hin beektu tahe, ykn inglishiin afaan kee lammaffaa dha yoo tahe,
Gorsitootni faayinansii bilisa, karaa sarara Gargaarsa Liqaa Biyyaalessaa ( 1800 007 007.bilbilaa.
Tajaajila mootummaa kan tahe Tajaajila afaan hiikkaa fi jijjiirraa gargaaramanii Sarara Gargaarsa Liqaa Biyyaalesstti siif bilbilu.”
Daldala gowwomsaa irratti dammaqi
Akkasumas akkuma daldala faayinansiii hundaatti yeroo hunda gowwomsaa (scam) irratti dammaqi.
Maarsariitiin Moneysmart gowwomsitoota (scam) adda baasuuf si gargaara; kanaaf yoo ati qiyyaafannoo gowwomsitoota jala jirta tahe maal gochuu akka qabdu dursii beeki.
'Waa’ee liqaa maallaqaa dhuunfaaf yoo si qunnaman, sirnoomuu dhaabbatichaa ykn nama si qunname Sanaa sirriitti hubadhu." jedha Andrew Dadswell moneysmart irraa.
" Waanuma dhageessee fi argitetti daftee waliigaltee hin taasisin. Yeroo hunda of-eeggannoo ofii keetii godhi. Qorannoo taasis, yoo shakkite dafii gargaarsa itti gaafadhu."
