Kana iwe uchida kadhi rechikwereti, unofanirwa kuenda kuburikidza nekugashira. Chikadhi chekukweretesa chikwereti chichadzorera ruzivo rwako rwekushanda pamwe chete nemari yako yekwereti kuti uone kana iwe unokodzera kutenga kadhi rechikwereti .
Kunyange zvazvo zvidzidzo zvakakodzera zvinogona kusiyana kubva kune imwe kadhi rechikwereti kune anotevera, uye kunyange pakati pemakadhi echikwereti kubva kune imwe kadhi rechikwereti, kune zvimwe zvinhu zvinoita kuti zvive zvakaoma kuwana kadhi rechikwereti zvisinei kuti unobhadhara kadhi ipi.
Zvinosuruvarisa, kana chimwe cheizvi chiri chokwadi kwauri, unogona kuva nenguva yakaoma kugamuchira kubvumirwa kune kadhi rechikwereti.
Chikonzero Nei Unogona Kuva Nenguva Yakaoma Kuwana Kadhi KaKwereta
- Kuva pasi pezera remakore 21 . Mukutanga kwema2000, zvaive nyore kwazvo kuvadzidzi vekukoloni uye nevamwe vechidiki kuti vawane makadhi echikwereti. Hurumende yakasarudza kuti yakanga iri nyore zvikuru uye yakapfuura mutemo unoda kubhadhara kadhi rechikwereti kuti uone kuti mari yevadzidzi vari pasi pemakore 21 . Kana iwe uri munhu mukuru, ita chokwadi kuti iwe unogara uine mari yakavimbika iwe usati wanyorera kadhi rechikwereti.
- Kusambova nekwereti kare . Vanhu vanongotanga nekwereti vanopinda munhamo. Iwe unofanirwa kuva nechikwereti kubvumirwa kune kadhi rechikwereti, asi haugone kuwana chikwereti nokuti haugoni kugamuchirwa. Chekutanga kadhi rechikwereti kazhinji kacho chinonyanya kuoma kuwana nokuti unotofanira kuwana kadhi rechikwereti uye kadhi rechikwereti rakakodzerwa nevanhu vasina chikwereti chekwereti.
- Nhoroondo shoma yechikwereti . Hazviiti nyore kuwana nyore nyore kuwana kadhi rechikwereti mushure mekunge wave wakagamuchirwa kwekutanga. Kusvikira wakavaka mwedzi yakawanda yekusimba chikwereti chinyorwa-kubhadhara panguva uye kutarisira chikwereti chako chekadhi rechikwereti- mamwe makadhi ekukwereta kadhi rechikwereti angave akangwarira pakukubvuma iwe kwekadhi rechikwereti.
- Recent bankruptcy . Nhamba shoma shoma kadikiti yakabhadhara inoda kuisa njodzi kune uyo anenge akanganisa uyo ari kubuda kunze kwekugadzirisa. Imwe chikwereti chekwereti chikwereti hachizokubvumiri kusvikira kubhadhara kwave kwatanga chikwereti chako chekwereti zvachose. Mirira zvisingaiti gore mushure mekuvhara kwebhengi musati maita zvekuita kadhi rechikwereti zvakare.
- Munguva pfupi yapfuura kubhadhara mari . Kana iwe wakanga wava nemakore makumi matatu kana makumi matatu apera pakubhadhara kadhi rechikwereti munguva pfupi, iwe unogona kuva nenguva yakaoma kugamuchira chibvumirano chekadhi rechikwereti, kunyange kana kubhadhara kwekupedzisira kusina kukonzera kudonha kukuru mukwereti yako chikoro. Kuraira kwemazuva mashoma kunoratidza kuti iwe uri mubhadhari ane ngozi. Mushure mokuita mwedzi yakawanda yekubhadhara nguva, nguva yekubhadhara yakaderera ine zvishoma pane zvinokonzerwa nekwereti yako uye iwe uchava nenguva yakare yakagamuchirwa.
- Zviitiko zvekare zvakapfuura . Tichifunga kuti imwe chete yekubhadhara kwemazuva mashoma kunogona kuita kuti zvive zvakaoma kuwana kadhi rechikwereti, zvinonzwisisika kuti kuva nenguva yakawanda yekubhadhara uye mamwe maitiro angaitawo kuti zvive zvakaoma. Kutengesa-kuvhara, kuunganidza, kufungidzira, kururamisa, uye kutongwa kwemhosva zvinokanganisa chikwereti chako chekwereti uye kuita kadhi rechikwereti vanobvuma kukubvumira kuti uwane kadhi rechikwereti.
- Masheji akakwirira pamakadhi emakwereti uye zvikwereti . Maharukiti akakwirira anoreva kurema kwepamwedzi kwepamwedzi uye mukana wekuregererwa pane zvikwereti zvitsva zvekadhi rechikwereti. Kutakura chikwereti chakawanda kuchaita kuti zvive zvakaoma kuwana kadhi rechikwereti, kunyange iwe uri kutsvaga kadhi rechikwereti kuti ubatsire kuderedza zvimwe zvechikwereti chako.
- Kwete kana kuti mari shoma . Mutemo unoda kuti kadhi rechikwereti, kana usati wabvumira chikumbiro chako, iva nechokwadi chokuti une mari yakawanda yekubhadhara chikwereti chako chekadhi rechikwereti. Kana iwe usina basa kana iwe usingaiti mari yakawanda, iwe uchava nenguva yakaoma yekuwana chibvumirano chekwereti. Kwete nokuti mutemo unoda iwe kuti uwane chikwereti chako chekwereti, asiwo nokuti kadhi rechikwereti rinofanira kuziva kuti unogona kudzorera chikwereti chawakwereta.
- Kunyengera kuchenjerera chikwata chako chekwereti . Kunyepedzera kunoshandiswa kudzivirira kukwereta kadhi rechikwereti. Asi, zvinodaro izvi kuburikidza nekusimudzira kadhi rechikwereti kutora matanho ekuwedzera kuti uone kuti iwe uripi asati agamuchira zvaunoshandisa. Iwe unogona kuwana kuti mamwe mapurogiramu emakadhi echikwereti ari muIndaneti haagoni kukwaniswa nokuti kadhi yemupaiti anoda mamwe mashoko kubva kwauri kuti ave nechokwadi chokuti iwe ndiwe iwe uri kukumbira kadhi rechikwereti.
- Recent applications for credit . Zvizhinji zvekare mapikicha emakadhi echikwereti zvinogona kuratidza kuti uri mune dambudziko rezvemari uye uri kutsvaga kadhi rechikwereti kuti iwe uende. Zvinogonawo kureva kuti iwe uri kutora chikwereti chikuru kupfuura iwe unogona kuita. Kana iwe ukanyorera makadhi akawanda emakadhi munguva pfupi, unogona kuona kuti maitiro ako ari kurambwa. Panzvimbo yekukumbira mamwe makadhi emakwereti, kumirira mwedzi mishomanana usati washandisa zvakare.
- Nhoroondo itsva yekupedzisira ichangobva kuitika . Kunyange imwe nhoroondo ichangobva kuzarurwa inogona kuita kuti zvive zvakaoma kuwana kadhi rechikwereti. Vakawanda vane kadhi rechikwereti vanoda kubvuma kuti iwe unogona kutora mvumo yako itsva mushure mekubvuma kwako kune imwe kadhi rechikwereti. Kurindira mwedzi mishomanana pakati pekushandisa kadhi rechikwereti uye kuvandudza mikana yekuti iwe unogamuchirwa.
Mawaniro Ekuwana Chikwereti Chakwereta, Kunyange Kana Zvakaoma
Kana uri kuwana zvakaoma kuwana kadhi rechikwereti, pane zvimwe zvinhu zvaunogona kuita. Chokutanga, kumirira kadhi rechikwereti kuti akuudze kuti nei wakarambwa. Vanotarisirwa kutumira tsamba inopesana nenyaya kutsanangura zvikonzero zvechisarudzo chavo uye vachikupai kusvika kune rehudhiro yemari yechikwereti, kana imwe inoshandiswa pakuita chisarudzo chekuramba kushanda kwako.
Dzorerai mushumo wenyu wechikwereti kuti muve nechokwadi chokuti ruzivo mauri rwakarurama. Kurwisana chero upi zvake husina kururama nehwupiko mari yechikwereti.
Edza kuwana kadhi rechikwereti rakachengetedzwa . Apo kadhi rechikwereti rakabudisa pasi chikwata chako chekadhi rechikwereti, ndechokuti vanokuona iwe semunhu akakwereta ane ngozi. A kadhi rechikwereti yakachengetedzwa inoshandura njodzi nokuti iwe unofanirwa kuchengetedza kuchengetedzwa kwekwereti. Chikwereti chekwereti chikwereti chinonyanya kukubvumirai nokuti vanogona kushandisa kuchengetedza mari kana iwe usina kukwana.
Kana uchinge wawana kadhi rechikwereti, kana maviri, shandisa iyo semukana wekutenderera chikwereti chako chekwereti. Ita mari yako pamwedzi mwedzi woga woga uye gadzirisa chikwereti chekadhi rechikwereti. Pashure pemwedzi yakawanda yekubhadhara panguva yakakodzera, kadhi yako yekwereti inogona kuchinja kadhi yako kune kadhi risina kuchengeteka. Uye, kana zvisingaiti, iwe unogona kunge wakavaka zvakasimba zvakakwana chikwereti chekwereti kuti uzviwanire iwe pachako.