Pazvikwereti, pane dzimwe nguva inowanikwa kune chikwereti kubva mberi zvichienderana nehuwandu hwechikwereti, chikwereti chemari, uye nguva yekubhadhara. Mune zviitiko izvi, kufarira kunowanikwa muhomwe yako.
Sezvo zvikwereti zvine mubhadharo wakatarwa wekubhadhara unosanganisira kufarira mari, iwe unoziva mberi kuti ingatora nguva yakareba sei kubhadhara kwenguva yakareba (chero bedzi iwe uchizobhadhara iwe nenguva, hongu).
Ne makadhi emakwereti, kufarira mukana wekubhadhara mari kunowedzerwa mubhadharo yako yemwedzi pamwedzi kusvikira iwe uchibhadhara chikwereti kunze kwekuti iwe uchibhadhara chikero chakazara musati nguva yenguva isati yapera. Iyo inowedzera chikwereti chako chekuda, iyo inowedzera mari yako mari ichave. Paunenge uchiedza kubhadhara chikwereti chako, zvikwereti zvepamusoro zvinokukuvadza nokuti zvakawanda zvekubhadhara kwako zvinotarisana nemari yemari.
Interest Rate Rate
Mari yekubhadhara mari ye $ 20,000 inokwana 10% APR ichava $ 167. Nekuita kubhadhara $ 400, inenge $ 233 inotanga kukuderedza kuyerwa kwako; zvimwe zvacho zvinoshandiswa kune vanofarira.
Kana chikamu ichocho chaiva neKAP ya 20%, mari yekubhadhara mari yaizova $ 333. Nebhadharo imwechete ye $ 400, bhaari yako ingangoderera ne $ 66!
Sezvo kubhadhara kwako kuri kuderera zvishoma nezvishoma mwedzi mumwe nomumwe, zvinotora nguva yakareba kuti ubhadhara chikwereti chako.
Mumuenzaniso wokutanga we $ 20K pa10% APR, zvinotora pasi pemakore mashanu ½ kuti ubhadhe chikwereti chako kana iwe uchigara uchiita madhora mazana mana emwedzi pamwedzi. Zvisinei, pa20% APR, zvingakutora iwe makore anopfuura 9 kubhadhara zvachose chikwereti uye ndiko kutora chikwereti chako chekuita hachikwiri, hauiti mimwe mimwe mitero kana kuti ine mari inowanikwa, uye iwe unoramba uchiita mutero unofanana pamwedzi wega wega mwedzi.
Iwe Unofarira Zvakadini Iwe Pakupedzisira Unobhadhara?
Mumuenzaniso wokutanga, iwe uchabhadhara $ 5 980 muzvikwereti nenguva yaunobhadhara chikamu. Muchiitiko chechipiri, pa20% mubereko wekutambira, iwe unogona kubhadhara zvakanyanya - $ 23,360!
Nzira chete yekuchengetedza mari kune chido ndeyokuwedzera zvakanyanya kubhadhara mwedzi pamwedzi - kusvika ku $ 820 pamwedzi - kana kutenga kadhi yako yekubhadhara chikwereti kuderedza chidimbu chako chechido. Chikamu chakajeka chebhadharo yakakura ndechokuti iwe unogona kubhadhara mubhadharo mushure memakore matatu nemutengo iwoyo, kunyange nehuwandu hwekuda.
Kuwana Chidimbu Chinodiwa
Kukurudzira kadhi rako rekukwereta chikwereti kuti kuderedza chikwereti chako chekufarira hachisi nguva dzose chiri nyore, kunyanya kana iwe usina chikwereti chekwereti kuti uwane chikamu chechibereko chepasi kune imwe nzvimbo. Asi pane mamwe mazano akanaka: kana chikwata chako chekufarira chikawedzera nokuti iwe wakanga uri mazuva makumi matanhatu munguva yekubhadhara kadhi rechikwereti, kadhi rechikwereti chikwereti chinofanira kuderedza chiyero chako mushure mematanhatu matanhatu anoenderana nenguva yakakodzera. Kunyange kana iwe usiri pasi pekutarisira nezvekuwana chikwereti chako chichiwedzera, zvakakosha kuedza. Uye kana kadhi yako yekubhadhara chikwereti ichikutora nguva ino, edza zvakare mumwedzi inenge mitanhatu.