Sarudza chikwereti chekwereti chakakodzera kwauri.
Kune mazana emakadhi emakadhi okusarudza kubva uye imwe yeiyo inogona kuva yakarurama kana yakaipa kwauri . Usati wasarudza, chengeta zvaunoda kubva kune kadhi rechikwereti - mubhadharo wakaderera wepasi, mafambiro ekufambisa, 0% kutengesa mari yekutengesa - uye kushandiswa kune makadhi emakwereti anokodzera mitemo.
Verenga shanduro yakanaka.
Pachinonyanya kukosha, unofanira kuverenga mazwi emakadhi echikwereti uye mamiriro ezvinhu, anotsanangura mutengo wekadhi rako rechikwereti. Kana wabvumirwa, uchawana chibvumirano chakakwana chekadhi rechikwereti , iyo inobvumirana nechetendeti yakareba iyo inotaura zvose mitemo yekadhi rako rechikwereti. Iwe unowana kopi yemvumo yako yekadhi yemakadhi echikwereti kuburikidza kudana kadhi yako yekwereti yekwereti, kuongorora iyo yekombiyuta yako yepaIndaneti, kana nekushanyira dheseti yemvumo yemvumo yekodhi yeCFPB.
Kunzwisisa ruzivo rwako rwekuda.
Marikiti yemakadhi anouya nemitengo yakasiyana yemari inoshandiswa kune marudzi akasiyana emari .
Zvakakosha kuziva kuti chikwereti chechibereko chinoshanda kune chei muzviyero zvako. Mari yako yekubhadhara kadhi rechikwereti, zvikurukuru kana iwe uchibhadhara pamusoro pehuwandu, ichaparadzaniswa pakati pemarikero nevechirongwa chekuda. Izvi zvinoitwa zvakangoita mitemo yeSweden uye mutemo wemari yekubhadhara chikwereti chekwereti, kunyange iwe uchida kuti kubhadhara kuende kune imwe chete yeyeri.
Ziva mari yako.
Zvimwe mari - sebhadharo yegore negore - inodhadharwa chete nekuda kwekuita kadi yako. Zvimwe zvikwereti - kufanana nemari yekutsinhanisa mari yekubhadharisa - inokonzerwa chete nemamwe marudzi ekutengeserana. Kunzwisisa mari yako yekadhi rechikwereti ndiyo nzira chete yekuderedza mari yekuwana chikwereti. Kana iwe uchitarisira kadhi rako rechikwereti nokuchenjera, unogona kushandisa kadhi rako rechikwereti pasina.
Verenga kadhi yako yekadhi yemakadhi.
Kavhodhi yako yekadhi rechikwereti ine hupfumi hwemashoko pamusoro pebasa iri paakaunti yako munguva yekubhadhara yakapfuura. Usatora zvishoma kuti zvinhu zvose zviri pamusoro pekadhi rako rekadhi rechikwereti rakarurama. Unogona kuwana mubhadharo usingashandisi zvakanaka, kudzokera kusina kutumirwa ku-akhawunti yako, kana kutengesa kushandiswa kwenyaya yako. Uye kana usati wamboverenga kadhi yako yekadhi yemakadhi, hauzombofi wakawana zvikanganiso izvi.
Zvinyorwa zvekutsvaga kwepaIndaneti.
Kutarisira kadhi rako rechikwereti harina kumbova nyore. Vakawanda vane kadhi rechikwereti vanobvumidza iwe kuti ugadzire nhoroondo yepaIndaneti yekugadzirisa kadhi rako rechikwereti, kugadzira kana kuronga zvikwereti, kubvunzurudza kutengesa, kusimbisa chikwereti chako chekwereti, nezvimwewo. Iwe unogona kukwanisa kutora purogiramu ye-smartphone kana tablet pakushandisa kero yako yekadhi yemakadhi.
Ziva kodzero dzako.
Kadhi kadhi yekwereti nemumiririri wekwereti ane kadhi yemakadhi echikwereti . Semuenzaniso, kadhi yako yekubhadhara chikwereti inofanira kuchengetedza zuva rako rekubhadhara pamusi wezuva rimwechete wekorodhe mwedzi woga woga kutumira zvinyorwa zvekadhi rako rechikwereti kwemazuva makumi maviri nemaviri zuva risati rasvika.
Usava wakazvipira kune makadhi emakwereti.
Kushandura kadhi rechikwereti kune ngozi uye kunogona kutungamirira kune chikwereti, dambudziko remari, uye yakaipa chikwereti. Kana ukacherechedza uri kushandisa kadhi rechikwereti kakawanda mwedzi woga woga usingabhadhara chikwereti chakazara, inguva yekudzorera mukadhi yako yekadhi. Vhura maakaunti ako uye uzvishandise kana zvichikuchengetedza kuti urege kusvika kure mune zvikwereti.
Gara uchienderana nemisi yako yakakodzera.
Kubhadhara kadhi rako rekwereti nenguva iyo mwedzi wega ndiyo chinhu chinokosha chekudzivirira mari yekupedzisira uye kuchengetedza chikwereti chakanaka . Chero rimwe rekubhadhara kadhi rechikwereti richafanira kuitwa musi iwoyo mwedzi mumwe nomumwe, saka iwe haufaniri kutarisana nemhando dzakasiyana.
Vakawanda vane kadhi rechikwereti vanozoita kuti iwe uchinje zuva rako rakakodzera kana pane rimwe zuva rinonyanya kukoshesa iwe. Iwe unogona kushandisa chinyorwa kana kuisa zviyeuchidzo pafoni yako kuti uchengetedze nemazuva ako akakodzera .
Kubhadhara zvakakwana kwakanaka.
Nzira yakanakisisa yekutarisira chikwereti chako chekwereti ndeyekuripa iyo yakazara mwedzi mumwe nomumwe. Nokubhadhara zvakakwana, iwe unodzivisa kufarira uye kubvisa njodzi yekupinda mune chikwereti. Kuziva kuti uri kubhadhara chikwereti chako zvakakwana kunoda kuti uchengetedze mari yako yekadhi yekwereti.
Kubhadhara zvinopfuura zvingasviki zviri pedyo nekanaka.
Kana iwe usingakwanisi kubhadhara chikwereti chako zvakakwana, kuripa zvakawanda sezvaunokwanisa pamusoro pebhadharo shoma. Kana zvisina kudaro, muyero wako uchaderera nechinguva chiduku sezvo vazhinji vekubhadhara kwako kuchaenda kune zvemari dzemari . Zvinotora nguva yakareba kuti ubhadhe chikwereti chako uye iwe unopedzisa kubhadhara zvakawanda mukufarira kupfuura kana iwe wakabhadhara chikamu chako kubva nokukurumidza.
Bvisa makadhi ako imwe panguva.
Pane kuedza kubhadhara pasi zviyero zvakawanda pane imwe nguva, funga kubhadhara imwe kadhi rechikwereti panguva. Isa mari yako yose yakawedzerwa kune kadhi rimwe chete paunenge uchibhadhara zvishoma pane mamwe makadhi ako emari. Ramba uchishandisa nzira iyi kune imwe neimwe yemakadhi ako ekwereti kusvikira vese vabhadhara. (Iyi ndeimwe yenguva shomanana zvakanaka kuti ubhadhe zvishoma pachikwereti chako chekwereti.)
Nguva dzose chengetedza chikamu chako uye chikwereti chinowanikwa usati waita.
Usati wagadzira kadhi kadhi rechikwereti, chengetedza kadhi rako rekwereti kuburikidza nekushevedzera kana kupinda mukati yekombiki yako yepaIndaneti. Izvi zvinonyanya kukosha kana uri kuronga kuita zvakawanda zvekutengesa kana iwe uri kugadzira kutenga kadhi rechikwereti chikuru.
Chengeta zvaunotenga mukati mebhajheji yako.
Chinokosha chekuchengetedza kadhi rako rekwereti rechikwereti pamwero iwe unogona kubhadhara zvakakwana mwedzi mumwe nomumwe nderokufunga bhajeti yako apo iwe unotenga kutenga. Kamwe kana kushandisa mari yako kadhi rechikwereti kuchipfuura izvo zviripo mubhajheji yako, uri pangozi yekukwanisa kubhadhara mwedzi iwoyo.
Iva nechokwadi chokuti mari yako inoshandiswa nenzira yakakodzera mwedzi woga woga.
Pasinei nokuti iwe unotumira mari yako, iwe uite paIndaneti pawebsite yekwereti yekwereti, kana kubhadhara mubhadharo rako rekubhadhara mari yebhengi, iwe unofanira kugara uchiratidza kuti kubhadhara kwako kwakashandiswa zvakanaka. Taura nekwereti yako kadhi rechikwereti kana ukaona chero chakaipa nebhadharo yako, kunyanya kana isina kufanana nemabhuku ako ebhangi.
Usatora mari inofambira mberi kana kushandisa shanduko chekuongorora.
Mari inofambira mberi ndeimwe yemhando dzinodhura zvikuru dzekutengesa kadhi rechikwereti. Hakusi chete mari inofambira mberi nguva dzose inopa mari, iwewo hauna kuwana nguva yenguva . Kufarira kunotanga kuwedzera pakarepo, saka pasinei nokuti iwe unogona kukurumidza sei kubhadhara mari yako mberi iwe uchagara uchibhadhara chido. Uye kana iwe uine imwe mhando yekuenzanisa pane kadhi rako rechikwereti, kubhadhara kwako kunogona kuparadzaniswa pakati pemakero uye mari inotanga kutora inotora nguva yakareba kuti ibhadhara.
Usava nehanya kunyanya kubatana nevatengi.
Iwe unogona-uye unofanirwa - taura nekadhi kadhi rechikwereti nemibvunzo chero ipi zvayo kana zvinetseka pamusoro pekodha yako kadhi rechikwereti. Taura nekwereti yako kadhi rechikwereti, somuenzaniso, kana ukaona zvikwereti zvekunyengera paakaunti yako, usaisa kadhi yako kana kuti chikwama chako chakabiwa, uine mubvunzo pamusoro pechirongwa chako chemubairo, kana iwe unoda kukumbira chikwereti chikuru chekwereti .
Taura mhosva dzinoshusha.
Taura nekwereti yako kadhi rechikwereti kana iwe ukacherechedza kutengeserana paakaunti yako yausina kuita pasinei nemari. Dzimwe nguva, mbavha "dzinoratidza" makadhi emakwereti kuburikidza nekugadzira zviduku zvishoma kutanga kusimbisa kadhi rechikwereti rakakodzera. Mbavha gare gare vanokwidza kadhi rechikwereti nokuda kwekutenga kukuru. Mutemo weBurumende uye mapurogiramu ekadhi rechikwereti zvinowanzoregeredza chikwereti chako chemhosva dzenhema , asi kudzivirira kubba kunokuchengetedza kunetseka kwokuva nemhosva inopindurwa.
Hauna maturo akawanda emakadhi.
Kuva nemakadhi akawanda emakadhi kuchaita kuti zvive zvisingakwanisi kuvadzidza. Zuva rekubhadhara rinodiwa zvakaoma kuchengetedza. Kune zvipo zvizhinji zvekuita mwedzi mumwe nomumwe. Uye zvakaoma kuziva kuti ndezvipi zviyero uye zvisingaiti. Chinokosha se " mazhinji madhikiti emakadhi " anosiyana kubva kumunhu kusvika kumunhu, asi kana makadhi ako ekwereti ari kuve asingakanganwiki, chiratidzo chokuti iwe unotova nezvakawandisa.
Usakanganwa kuti yako kadhi rechikwereti chikwereti chikwereti.
Dzidzo dzakaratidza kakawanda kuti vanhu vanowanzoshandisa zvakawanda nemakadhi emakwereti pane mari. Asi, izvi zvinowedzera kushandiswa ndizvo zvinoita kuti vanhu vapinde mune zvikwereti. Sezvaunoshandisa kadhi rako rechikwereti, ramba uchifunga mupfungwa dzako kuti unofanirwa kubhadhara mari yose yekutenga kadhi rechikwereti yaunoita. Chero rimwe rekutenga kadhi rechikwereti rauri kuita rinokwereta kubva mune ramangwana rako remari.
Tarisa zvekutengesa zviri nani kupinda makadhi aunazvo.
Kadhi kadikiti vanoendesa vanoramba vachibudisa makadhi ekukweretesa kana kuti mabhidhiro emakadhi ekukwereta. Sezvo chikwereti chako chiri nani, iwe unogona kukodzera kadhi rechikwereti iri nani kupfuura iro raunenge uine. Kana iwe uri kubhadhara chikwereti chakanaka kana kuti kadhi rako rechikwereti hauna purogiramu yakawanda yemubairo, tarisira kunze kwekadhi kadhi rechikwereti. Mari yako yekwereti ikozvino inogona kunge yakagadzirira kukupa chibvumirano chakanaka kukuchengetedza kubva pakuchinja, asi kana iwe uchikodzera chimwe chinhu chiri nani, hapana chikonzero chekusaenderera mberi.
Usatya kutya kubvisa kadhi iyo isingakubatsiri iwe zvakare.
Kuvhara kadhi rechikwereti kunogona kukanganisa chikwereti chako chikoro, asi iwe unogona kutarisa kubva pane izvi kana iwe une simba rakanyanya chikwereti. Kana kadhi rako rechikwereti rine mari yakakwirira yegore negore, chikwereti chiduku chechikwereti, kana kuti ridiculously high interest rate, zvakanaka kuti uvhare iyo kadhi rechikwereti. Iva nechokwadi chokuti iwe unobhadhara chikwereti uye chengetedza chikoro chako chekwereti kuti uone kuti kadhi rechikwereti ravharwa.