Ko Chikwereti Chako Chekwereta Chakakwirira Kupfuura Avhareji?
Ivhareji yechikwereti chekwereti yeimba yeUnited States yaiva $ 8,182 munaFebruary 2018. Iyi inokwana $ 1.03 trillion mune chikwereti chekwereti chekwereti yakaparadzaniswa nemamiriyoni 126 emamiriyoni eAmerica. Ndi2.2% yepamusoro kupfuura mwedzi wapfuura. Iyo inopfuura kudarika kwe $ 1.02 trillion yakaitwa muna April 2008.
Ivhareji yechikwereti chekwereti kune munhu mukuru (pane 326 mamiriyoni) inodarika $ 3,1. Asi, kana iwe uchifananidza chikwereti chako chekwereti chikwereti kune avhareji yeAmerica, iyo iri shoma shoma.
Chirongwa cheCredit Cards.com chinoratidza kuti chikwereti chekwereti chikwereti pamakadhi-anotakura munhu $ 5 323.
Zvechokwadi, vamwe vanhu vanobhadhara makadhi avo emakadhi mwedzi mumwe nomumwe. Kana iwe uri mumwe wavo, zvakanaka kwauri! Vavhareji yavo chikwereti pamwedzi ndeye $ 1,154. Izvi zvakanyanya, zvakaderera kudarika $ 7,527 chikamu chekwereti mutoro kune mumwe munhu asingaripi.
Kana uchinge wawana kusvika pamwero iwoyo, zvakaoma kuibhadhara, uye zvinowanzowedzera. Vavhareji chikwereti mutoro kune mumwe munhu akaenda kune chikwereti kupa zano ndeye $ 24,000. Inowanzova pamakadhi mashanu akasiyana, uye ndiwo 60 muzana yemari yavo yose yegore.
Tsanangudzo
Chikwereti chikwereti chikwereti chikamu chekwereti yevatengi iwe unofanirwa kubhadhara mwedzi woga woga. Nokuda kwechikonzero ichi, inozivikanwawo sechikwata chikwereti. Kunewo zvikwereti zvebhangi uye mari yekwereti yekambani inonzi inowanikwa chikwereti, kunyange zvazvo iri chikwereti chekwereti chikwereti. Chekwereti yevatengi inosanganisira mari yemari nemari.
Zvinokonzera
Vanhu vazhinji vanofungidzira kuti vatengesi vanokwereta chikwereti chekwereti chikwereti mumatambudziko makuru ekutenga. Uye, chaizvoizvo, vatengesi vanokurudzira kushandisa kadhi rechikwereti sechinhu chakanaka kune vatengi vavo.
Asi nhamba yechina yekukonzera mari ndeyekutarisira utano . Vanhu vazhinji vanoenda nokuda kwekadhi ravo rechikwereti kutanga kubhadhara zvikwereti zvisingatarisirwi zvemari.
Pavanowana kuti havagoni kubhadhara mari yakakwirira, ipapo inhamba yemari inotanga kuwedzera. Nhasi zvirongwa zvehutano zvakaderera zvakanyanya hazvibatsiri. Vanhu vazhinji vanofanira kuwedzera $ 2,000 kusvika ku $ 5,000 kune kadhi ravo rechikwereti chikwereti isati yema inshuwarisi inosanganisira zvekurapa mari.
The Bankruptcy Protection Act ye 2005 yaiva chimwe chikonzero chikuru chekuwedzera kadhi rechikwereti chikwereti. Mutemo uyu wakaita kuti zvive zvakaoma kuti vanhu vataure kuti vanoparara. Izvo zvakanga zvakanaka kumabhanki uye vatengi asi vaine chinangwa chisingafungirwi uye chinokuvadza kumhuri yakawanda. Vakamanikidzwa kumhanyira chikwereti chekwereti chikwereti kuti vabhadhara mari yavo zuva nezuva.
Mamiriro acho akawedzera muna 2008 apo madhizimusi emadhora akawedzera kusvika madhora 5.00 neguroni. Vatyairi veSUV vakabhadhara $ 200 kuti vazadze matangi avo. Varidzi vepamba vanga vainge vatora chikwereti chemarikiti saka vakashandisa musha wezvikwereti zvakaenzana nemigwagwa yechikwereti. Icho chaiva chimwe chezvinhu zvakasimbisa matambudziko emari muna 2008 . Apo dzimba dzeimba dzikawa, varidzi vemusha vakanga vasina kuenzana mumisha yavo. Vakawanda, vachitarisana nezvikwereti zvinotyisa, vakamanikidzwa kufamba, vachibvumira misha yavo kuti irege kuvapo.
Chikwereti Chekwereti Chikwereti Nhoroondo
National credit card chikwereti chakadarika $ 1 trillion muna 2008. Icho chaive chikamu che $ 8,299 muchikwereti kadhi chikwereti pamhuri.
Yaiva inopfuura chikamu chetatu (38 muzana) yekodzero yemutengo wevatengi ve US.
| Mwedzi | Chikwereti Chekwereti Chekwereti | Percent of Total Debt |
|---|---|---|
| Dec 2007 | $ 1,001,625 | 38.4% |
| Jan 2008 | $ 1,008,309 | 38.5% |
| Feb | $ 1,015,092 | 38.5% |
| Mar | $ 1,018,108 | 38.5% |
| Apr | $ 1,020,697 | 38.4% |
| Chivabvu | $ 1,020,027 | 38.4% |
| Jun | $ 1,020,483 | 38.3% |
| Jul | $ 1,019,693 | 38.3% |
| Aug | $ 1,017,703 | 38.3% |
| Sep | $ 1,012,608 | 38.1% |
| Oct | $ 1,016,902 | 38.2% |
| Nov | $ 1,010,902 | 38.1% |
| Dec | $ 1,003,997 | 38.0% |
| Jan 2009 | $ 1,006,740 | 38.0% |
Iyo imwe chete nguva nguva yekuAmerica yakatenderera zvakanyanya pamusoro pekwereti kadhi rechikwereti raiva kuma1900. Yaiva yepamusoro 41 muzana yehuwandu. Izvo hazvina kuderera zvakanyanya munguva iyoyo yekuderera, zvichiwira 36 kubva muzana yemutengo wevatengi.
Nhasi, kadhi rechikwereti chikwereti chinowira kune chinonzwisisika 26,7 muzana chekwereti. Icho chikamu chechikonzero cheDodd-Frank Wall Street Reform Act . Iro yakawedzera mitemo yebhangi, ichivamanikidza kuti vasimbise kadhi rechikwereti.
Vavengi veCommunity Financial Protection Agency vakaita zvirongwa zvakawanda kune avo vachishandisa makadhi emakadhi. Nguva yokupedzisira nguva dzekuAmerica dzakatenderera zvishoma pamusoro pekwereti kadhi rechikwereti chaiva kuma1980 uye kumavambo 1990.