Kwete kunyanya kufara sezvinoitwa nezita
Zvimwe zvikwereti zvemagariro (zvakadai semakore makumi matatu ekugadzirisa zvikwereti zvinotengeswa nemari yemakore mashanu) zvikwereti zvakakwana zvemari. Nezvikwereti izvi, iwe unobhadhara chikwereti chechikwereti zvishoma nezvishoma kupfuura nguva yose yekwereti; chikwereti chikuru chinowanikwa pamakore akazotevera, asi mari yako inofanirwa kuve yakakwirira mumakore ekutanga (iwe unogona kutobhadhara zvakanyanya mune zvekudarika kupfuura iwe unobhadhara kusvika pamwedzi mumwe nomumwe). Uine chikwereti chebhoti, kune rumwe rutivi, iwe ucharipira kubhadhara chikwereti kwemakore mashomanana, uye iwe uchakurumidza kutsvaga uye uite mubhadharo mukuru kubvisa mari yakasara yemari.
Nguva yakawanda pamberi pevhoti yako isati yakwana, asi makore mashanu kusvika kumakore manomwe inowanikwa nguva yakawanda.
Chii Chinoitika Kana Balloon Ichifanira?
Kana uri kutarisa chikwereti chebhoti, zvakakosha kuronga zuva iro bhaari yako yekubhadhara inokonzerwa. Ita izvi zvisati zvaitika iwe ukakumbira chikwereti, uye uchengete mupfungwa kuti zvinhu hazviiti nguva dzose sezvazvakarongwa.
Muzviitiko zvakawanda, vateresi vanotora chimwe chezviito pasi apa:
Refinance: kana kubhadhara kubhoti kuripo, imwe nzira ndeyokubhadhara iyo nekuwana imwe chikwereti. Mune mamwe mazwi, iwe unonatsiridza. Ipapo iwe unotanga chikwereti chitsva chekubhadhara kwenguva refu (zvichida mamwe makore mashanu kusvika kune manomwe, kana iwe unogona kugadzirisa chikwereti chemusha mumakore gumi nemashanu kana makumi matatu ekubhadhara mari).
Kuti ubudise izvi, iwe uchada kukwanisa kuwana chikwereti chitsva-saka chikwereti , mari, nemari inofanirwa kunge yakagadzikana apo kubhadhara kwako kwebhokisi kunokonzerwa.
Kana iwe uchigadzirisa uye wotambanudza chikwereti, yeuka kuti iwe unopedzisira ubhadhara zvakawanda mukufarira nokuti uri kukwereta kwenguva yakareba. Tinotarisira kuti nhanho dzekuda dzichave dzakangofanana nedzo dzaive apo iwe wakatanga kukwereta (kana kuti pasi) paunenge uchigadzirisa; kana zvisina kudaro, zvingadai zviri nani kushandisa chikwereti chechikwereti chemari.
Kutengesa zvinhu: imwe nzira yekushanda nebharuti yekubhadhara ndeyokutengesa chero chawakatenga nechikwereti. Kana iwe wakatenga imba kana motokari, unogona kuzvitengesa uye kushandisa mari yekubhadhara chikwereti zvachose. Zvechokwadi, izvi zvinotora kuti iyo yefa inokodzera zvakakwana kubhadhara chikwereti chemari; muimba uye mvumo yekutengesa mari, vamwe vakwereta vakawana kuti misha yavo yaive yakakosha zvakanyanya kudarika zvavakakwereta.
Muripa iyo: kana kubuda kwemari hakusi dambudziko, iwe unogona kungobhadhara chikwereti pazvinouya. Izvi hazviwanzo chinhu chakanaka - ndicho chikonzero nei wakakwereta munzvimbo yekutanga - uye kubhadha mari inogona kuva makumi ezviuru zvemadhora (kana kupfuura). Zvisinei, pangava nemamiriro ezvinhu maunovimba nawo kuti uchava nemari yaunoda.
Zvakare, zvakakosha kuronga ramangwana, asi iwe unofanirwawo kuva nepurogiramu yekuchengetedza kana zvinhu zvisingashandisi nenzira yawakatarisira. Chimbofunga zviri kuitika kana iwe uchifanira kutengesa zvishoma pane iwe unokwereta: chikwereti chako chinotambura, uye iwe unogona kubhadhara chikwereti chausina kubatsirwa nacho kana chiri chikwereti chekubhadhara .
Chii chinonzi Balloon Loans Chishandiswa?
Iwe unogona kuuya nemabhadharo emabhaloni mumamiriro ezvinhu akasiyana-siyana, kusanganisira:
Bhizimusi rekubhadhara: mabhoti zvikwereti dzimwe nguva anoshandiswa pakutsvaga kana kubhadhara mabhizinesi. Kunyanya kune mabhizimisi matsva, mari haigone, uye bhizinesi harina chero chikwereti chekwereti (ndicho chikonzero zvakakosha kuvaka chitupa chebhizimisi rako ). Vatengesi kana vatengesi vangapa chikwereti icho chiri nyore kutarisana nacho, uye icho chinopa mudzidzi webhizimisi mukana wekuratidza kuti achabhadhara sezvakabvumirana: zvikwereti zvinogona kuverengwa sokuti chikwereti chaizorayirwa makore anopfuura gumi (saka mutero wekubhadhara mwedzi inenge iri duku), asi kubhadharo yemabhoron kunokonzerwa mushure memakore matatu.
Pashure pemakore matatu ekubhadhara kwenguva yakakodzera, mutengi anofanira kuva nenguva yakaoma kuwana chibvumirano kubva kubhangi.
Kutenga Kumba: Bhokoni zvikwereti zvinogona kushandiswa kutenga imba. Mune zvimwe zviitiko, kubhadhara kunoratidzika sekuti iwe une mari yemakore makumi matatu nematatu (uye chikamu chemari yebhadharo inobhadharwa), asi kubhadhara kubhodha kunokonzerwa mushure memakore mashanu kana manomwe. Mune zvimwe zviitiko, vateresi vanobhadhara chido chete kusvikira kubhadharo yemabhaloni yakakodzera. Iyi nzira inogona kuita mishonga yemwedzi yakawanda isingakwanisi, asi inokuvadza: iwe uchabhadhara mari yakawanda rimwe zuva, uye iwe ucharasikirwa neimba yako uye uchatadza chikwereti chako kana iwe usingakwanisi kuuya nemari.
Cheroti yemari: unogona kuwana kunyange zvikwereti zvemotokari zvinosanganisira mabhiriyoni ekubhadhara, uye pfungwa (yakafanana nemimwe chikwereti) ndeyokuwana mari yepamwedzi inowanikwa kune mutengi. Nemotokari, mabhodhi zvikwereti zvinowanzova nengozi nokuti motokari inoderedza hupfumi - dzinorasikirwa nehuwandu kupfuura nguva ("pakarepo paunenge uchidzinga mutengo wekutengesa" sezvavanotaura). Saka, mumakore mashanu iwe wakasara nemotokari yakakosha zvakanyanya kudarika iwe waibhadhara iyo, uye iwe unofanirwa kubhadhara zvakawanda zvewakakwereta. Iwe unogona kuedza kutengesa motokari, asi iwe unogona kunge usina kuwana zvakakwana kuti uvhare chikwereti - saka iwe unofanira kunyora cheki (hazvisi nyore nguva dzose kutengesa motokari yaunenge uchiripa mari ). Imwe nzira yakasiyana ndeyokugadzirisa uye kutambanudza chikwereti kunze kwemakore mashomanana, achikusiya iwe uchidzika-pasi ; iwe unenge uine chikwereti chakawanda kupfuura iyo motokari inofanirwa munyaya iyoyo.