<p><strong>紐約市，紐約 /</strong> <strong>ACCESS Newswire</strong> <strong>/2025 年 8 月 9 日/</strong> 當資金緊張，房租到期時，有些人可能會尋找快速解決方案以維持居住。租賃貸款是一種可能在困難時期提供幫助的選擇。租賃貸款為借款人提供一筆一次性資金，以支付他們沒有足夠儲蓄的房租。</p>
<p>雖然租賃貸款可能提供快速幫助，但在申請之前，瞭解其運作方式和預期結果是很重要的。</p>
<p><strong>瞭解租賃貸款的細節</strong></p>
<p>租賃貸款是一種個人貸款，幫助租户支付住房費用，如果他們的銀行賬户中沒有足夠的資金。首先，消費者借入預定金額，然後通常會在設定的時間內通過固定的月供進行償還。每筆還款包括貸款的兩個部分。第一部分是貸款本金，即借入的原始金額；第二部分是利息，即借款的成本。</p>
<p>合格的借款人可以通過不同類型的貸款機構申請租賃貸款，包括在線貸款機構、銀行或信用合作社。為了獲得批准，借款人通常需要有穩定的收入和良好的信用評分——儘管資格要求因貸款機構而異。</p>
<p>將租賃貸款視為快速解決方案，而非長期解決方案</p>
<p>租賃貸款可能在資金緊張時幫助某人，但並不意味着解決長期的財務問題。租賃貸款是一種臨時解決方案，僅應在有明確還款計劃時使用。</p>
<p>例如，如果某人正在找工作，並且即將開始新工作，租賃貸款可能有助於填補空白。同樣，如果他們在等待延遲的薪水或緊急資金，貸款可能幫助他們保持正常。但如果他們不知道何時會再次有穩定的收入，借款可能會造成更多的傷害而非好處。</p>
<p>如果租户每個月都需要借取租賃貸款才能維持生計，可能是時候尋找其他類型的幫助了。不同類型的財務支持可能包括政府援助，甚至與房東協商付款計劃。</p>
<p>注意貸款附加的任何費用</p>
<p>在申請租賃貸款時，利率並不是唯一的成本。可能還有額外費用，使貸款變得更加昂貴。這些費用可能包括：</p>
<ul>
<li>啓動費：一些貸款機構會收取一次性費用，用於處理申請和設立貸款。</li>
<li>逾期費用：如果借款人錯過付款或延遲付款，可能會被收取逾期費用，如果每月都收取，這可能會累積。</li>
<li>提前還款罰金：一些貸款機構會收取借款人提前還款的費用。</li>
</ul>
<p>所有這些費用都可能增加貸款的總成本。這就是為什麼在簽署任何貸款協議文件之前，詢問問題並考慮所有財務義務是很重要的。</p>
<p><strong>為每月還款做好預算是關鍵</strong></p>
<p>在簽字之前，確保某人能夠在規定的還款期限內連本帶息地償還租賃貸款是很重要的。花時間計算所有每月賬單，包括食品雜貨、水電費、通勤費用和其他常規開支，並弄清楚貸款還款如何適應，這可能會大大幫助某人避免短缺，並擔心他們永遠無法追趕上。</p>
<p>按時全額支付每月租賃貸款可能會保護借款人的信用評分——但前提是他們的其他賬單也保持正常，因為逾期或未付款可能會損害信用評分。</p>
<p>雖然租賃貸款可以在短期內幫助減輕財務壓力，但確保承擔債務不會在長期內增加壓力是很重要的。額外的債務在沒有明確計劃的情況下可能很難管理。</p>
<p>租户應為自己的情況做出最佳選擇</p>
<p>租賃貸款可以在緊急情況下提供幫助，但它們確實有實際成本。在借款之前，重要的是要全面考慮——它的成本是多少，如何償還，償還需要多長時間，以及是否有其他選擇可用。</p>
<p>通過仔細規劃和明智的選擇，可能有可能在不加深債務的情況下保持租金的支付。</p>
<p>關於 OneMain Financial</p>
<p>查看網站</p>
<p>OneMain Financial 是為非優質客户提供負責任的信用訪問的領導者，致力於改善辛勤工作的美國人的財務福祉。</p>
<p><strong>聯繫方式</strong>：</p>
<p>Sonakshi Murze</p>
<p>經理</p>
<p>sonakshi.murze@iquanti.com</p>
<p><strong>來源：</strong> OneMain Financial</p>
<p>查看 ACCESS Newswire 上的原始新聞稿</p>

OneMain控股

<p>OneMain Financial 討論了租金貸款作為那些在支付租金方面遇到困難的人的臨時解決方案。這些個人貸款提供一筆款項以覆蓋住房費用，但會產生利息和潛在費用等成本。借款人應確保能夠在規定期限內償還貸款，並考慮他們的整體預算。雖然租金貸款可以緩解短期的財務壓力，但在沒有明確的還款計劃的情況下，不應長期依賴。OneMain Financial 強調在申請貸款之前，瞭解全部費用並探索其他財務支持選項的重要性</p>

<p><strong>NEW YORK CITY, NY /</strong> <strong>ACCESS Newswire</strong> <strong>/ August 9, 2025 /</strong> When money is tight, and rent is due, some people may look for quick solutions to stay in their homes. Rent loans are one option that could help in tough times. A rent loan provides a borrower with a lump sum of money to cover rent when they don't have enough money saved up.</p>
<div class="lb-trans"><p><strong>紐約市，紐約 /</strong> <strong>ACCESS Newswire</strong> <strong>/2025 年 8 月 9 日/</strong> 當資金緊張，房租到期時，有些人可能會尋找快速解決方案以維持居住。租賃貸款是一種可能在困難時期提供幫助的選擇。租賃貸款為借款人提供一筆一次性資金，以支付他們沒有足夠儲蓄的房租。</p>
</div><p>While rent loans might offer quick help, it's important to understand how they work and what to expect before applying.</p>
<div class="lb-trans"><p>雖然租賃貸款可能提供快速幫助，但在申請之前，瞭解其運作方式和預期結果是很重要的。</p>
</div><p><strong>Understand the ins and outs of a rent loan</strong></p>
<div class="lb-trans"><p><strong>瞭解租賃貸款的細節</strong></p>
</div><p>A rent loan is a type of personal loan that helps a renter pay their housing costs if they don't have enough money in the bank. First, the consumer borrows a predetermined amount of money and will then typically pay it back over a set period of time by making fixed monthly payments. Each payment covers two parts of the loan. First is the loan principal, which is the original amount that's borrowed, and second is interest, which is the cost of borrowing.</p>
<div class="lb-trans"><p>租賃貸款是一種個人貸款，幫助租户支付住房費用，如果他們的銀行賬户中沒有足夠的資金。首先，消費者借入預定金額，然後通常會在設定的時間內通過固定的月供進行償還。每筆還款包括貸款的兩個部分。第一部分是貸款本金，即借入的原始金額；第二部分是利息，即借款的成本。</p>
</div><p>Qualified borrowers can apply for rent loans through different types of lenders, including online lenders, banks or credit unions. To get approved, the borrower typically needs a steady income and a favorable credit score - though eligibility requirements vary by lender.</p>
<div class="lb-trans"><p>合格的借款人可以通過不同類型的貸款機構申請租賃貸款，包括在線貸款機構、銀行或信用合作社。為了獲得批准，借款人通常需要有穩定的收入和良好的信用評分——儘管資格要求因貸款機構而異。</p>
</div><p>Consider a rent loan a quick fix, not a long-term solution</p>
<div class="lb-trans"><p>將租賃貸款視為快速解決方案，而非長期解決方案</p>
</div><p>A rent loan may help someone when money is tight, but it's not meant to solve long-term financial problems. A rent loan is a temporary solution that should only be used when there's a clear plan to repay it.</p>
<div class="lb-trans"><p>租賃貸款可能在資金緊張時幫助某人，但並不意味着解決長期的財務問題。租賃貸款是一種臨時解決方案，僅應在有明確還款計劃時使用。</p>
</div><p>For example, if someone is between jobs and has new employment starting soon, a rent loan might help bridge the gap. Similarly, if they're waiting on a delayed paycheck or emergency funds, the loan could help them stay on track. But if they don't know when they'll have a steady income again, taking out a loan could cause more harm than good.</p>
<div class="lb-trans"><p>例如，如果某人正在找工作，並且即將開始新工作，租賃貸款可能有助於填補空白。同樣，如果他們在等待延遲的薪水或緊急資金，貸款可能幫助他們保持正常。但如果他們不知道何時會再次有穩定的收入，借款可能會造成更多的傷害而非好處。</p>
</div><p>If a renter ends up needing to take out a rent loan every month just to stay afloat, it may be time to look for other types of help. Different types of financial support could include government assistance or even working out a payment plan with their landlord.</p>
<div class="lb-trans"><p>如果租户每個月都需要借取租賃貸款才能維持生計，可能是時候尋找其他類型的幫助了。不同類型的財務支持可能包括政府援助，甚至與房東協商付款計劃。</p>
</div><p>Be mindful of any additional fees attached to the loan</p>
<div class="lb-trans"><p>注意貸款附加的任何費用</p>
</div><p>When taking out a rent loan, the interest rate isn't the only cost. There might be extra fees that result in making the loan more expensive. These might include:</p>
<div class="lb-trans"><p>在申請租賃貸款時，利率並不是唯一的成本。可能還有額外費用，使貸款變得更加昂貴。這些費用可能包括：</p>
</div><ul>
<li>Origination fee: Some lenders charge a one-time fee for processing an application and setting up the loan.</li>
<li>Late fees: If the borrower misses a payment or pays late, they might be charged a late fee, which can add up if charged month after month</li>
<li>Prepayment penalties: Some lenders charge a fee if the borrower pays off the loan early.</li>
</ul>
<div class="lb-trans"><ul>
<li>啓動費：一些貸款機構會收取一次性費用，用於處理申請和設立貸款。</li>
<li>逾期費用：如果借款人錯過付款或延遲付款，可能會被收取逾期費用，如果每月都收取，這可能會累積。</li>
<li>提前還款罰金：一些貸款機構會收取借款人提前還款的費用。</li>
</ul>
</div><p>All these charges can increase the total cost of the loan. That's why it's important to ask questions and consider all the financial obligations before signing any loan agreement documents.</p>
<div class="lb-trans"><p>所有這些費用都可能增加貸款的總成本。這就是為什麼在簽署任何貸款協議文件之前，詢問問題並考慮所有財務義務是很重要的。</p>
</div><p><strong>Budgeting for monthly repayments is key</strong></p>
<div class="lb-trans"><p><strong>為每月還款做好預算是關鍵</strong></p>
</div><p>It's important for someone to make sure they can repay a rent loan with interest in the given repayment period before they sign on the dotted line. Taking the time to calculate all monthly bills, including groceries, utilities, commuting costs and other regular expenses, and figuring out how a loan repayment fits in, could go a long way to helping someone avoid coming up short and worrying they will never catch up.</p>
<div class="lb-trans"><p>在簽字之前，確保某人能夠在規定的還款期限內連本帶息地償還租賃貸款是很重要的。花時間計算所有每月賬單，包括食品雜貨、水電費、通勤費用和其他常規開支，並弄清楚貸款還款如何適應，這可能會大大幫助某人避免短缺，並擔心他們永遠無法追趕上。</p>
</div><p>Making monthly rent loan payments on time and in full may protect the borrower's credit score - but only as long as their other bills stay current too, because late or missed payments could damage the credit score.</p>
<div class="lb-trans"><p>按時全額支付每月租賃貸款可能會保護借款人的信用評分——但前提是他們的其他賬單也保持正常，因為逾期或未付款可能會損害信用評分。</p>
</div><p>While a rent loan can help lower financial stress in the short term, it's important to make sure taking on debt doesn't add stress in the long term. Extra debt can be hard to manage without a clear plan for how it fits into someone's overall budget.</p>
<div class="lb-trans"><p>雖然租賃貸款可以在短期內幫助減輕財務壓力，但確保承擔債務不會在長期內增加壓力是很重要的。額外的債務在沒有明確計劃的情況下可能很難管理。</p>
</div><p>A renter should make the best choice for their situation</p>
<div class="lb-trans"><p>租户應為自己的情況做出最佳選擇</p>
</div><p>Rent loans can help in a tight spot, but they come with real costs. Before taking out a loan, it's important to look at the full picture - how much it will cost, how it will be repaid, how long it will take to be repaid, and whether other options are available.</p>
<div class="lb-trans"><p>租賃貸款可以在緊急情況下提供幫助，但它們確實有實際成本。在借款之前，重要的是要全面考慮——它的成本是多少，如何償還，償還需要多長時間，以及是否有其他選擇可用。</p>
</div><p>With careful planning and smart choices, it may be possible to stay on top of rent without falling deeper into debt.</p>
<div class="lb-trans"><p>通過仔細規劃和明智的選擇，可能有可能在不加深債務的情況下保持租金的支付。</p>
</div><p>About OneMain Financial</p>
<div class="lb-trans"><p>關於 OneMain Financial</p>
</div><p>View Website</p>
<div class="lb-trans"><p>查看網站</p>
</div><p>OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.</p>
<div class="lb-trans"><p>OneMain Financial 是為非優質客户提供負責任的信用訪問的領導者，致力於改善辛勤工作的美國人的財務福祉。</p>
</div><p><strong>CONTACT</strong>:</p>
<div class="lb-trans"><p><strong>聯繫方式</strong>：</p>
</div><p>Sonakshi Murze</p>
<div class="lb-trans"><p>Sonakshi Murze</p>
</div><p>Manager</p>
<div class="lb-trans"><p>經理</p>
</div><p>sonakshi.murze@iquanti.com</p>
<div class="lb-trans"><p>sonakshi.murze@iquanti.com</p>
</div><p><strong>SOURCE:</strong> OneMain Financial</p>
<div class="lb-trans"><p><strong>來源：</strong> OneMain Financial</p>
</div><p>View the original press release on ACCESS Newswire</p>
<div class="lb-trans"><p>查看 ACCESS Newswire 上的原始新聞稿</p>
</div>

OneMain Financial：在申請租賃貸款之前需要知道哪些事項