Inofarira Kushanda Nemari Yemazuva Ose
Kune nzira dzakawanda dzakasiyana dzekuverenga nharaunda, uye dzimwe nzira dzinobatsira zvikuru kune vanokweretesa. Chisarudzo chekubhadhara chikwereti chinobva pane zvaunowana mukudzoka, uye chisarudzo chekuwana chikwereti chinobva pane dzimwe nzira dzingasarudzwa dzekutsvaga mari yako.
Chii Chinodiwa?
Kufarira kunowanikwa sepamuviri yemari (kana kuisa) chikero, yakabhadharwa kune chikwereti periodically kuitira ropafadzo yekushandisa mari yavo. Mari yacho inowanzotaurwa pamusoro pehuwandu hwegore negore, asi chido chinogona kuverengwa kune nguva dzakare kana shoma kupfuura gore rimwechete.
Kufarira kune mari yakawanda iyo inofanirwa kubhadharwa - kuwedzera kune chikwereti chokutanga chemari kana kubhadhara. Kuti uise imwe nzira, funga mubvunzo uyu: Chii chinotora kukwereta mari? Mhinduro: Mamwe mari.
Kana ukwereta: Kukwereta mari, unofanira kudzorera zvaunokwereta. Mukuwedzera, kubhadhara chikwereti kune ngozi yekukweretesa iwe (uye kusakwanisa kushandisa mari kune imwe nzvimbo paunenge uchiishandisa), iwe unofanirwa kubhadhara kupfuura iwe wakakwereta .
Paunokweretesa: Kana uine mari yakawedzerwa, iwe unogona kuzvikweretesa iwe pachako kana kuisa mari mumari yekuchengetedza (nekubvumira kubhengi kubhadhara kana kuisa mari yacho).
Mukutsinhanisa, iwe unotarisira kuwana mubereko. Kana iwe usiri kuenda kune chimwe chinhu, unogona kuedzwa kuti upedze mari panzvimbo iyo, nokuti pane zvishoma kubatsirwa kumirira (kunze kwekuchengetedza mari yemangwana).
Iwe unobhadhara mari yakawanda sei kana uchiwana mubereko? Inobva pa:
- Chido chekufarira
- Kuwanda kwemari yacho
- Zvinotora nguva yakareba sei kudzorera
Chiyero chapamusoro kana chikwereti chemazuva mazhinji chinokonzera kukwereta kuripa zvakawanda.
Muenzaniso: Inhara yekutambira yezvikamu zvashanu kubva pagore uye kuenzana kwemadhora mazana zana nemakumi matatu emitengo inoshandiswa ne $ 5 pagore achifunga kuti iwe unoshandiswa nyore . Kuti uone kuverenga, shandisa Google Sheets spreadsheet nemuenzaniso uyu. Shandura zvinhu zvitatu zvakanyorwa pamusoro apa kuti uone kuti mari inobhadhara mari inoshandiswa sei.
Mazhinji mabhangi uye makadhi ekubhadhara chikwereti havashandisi chido chakanaka. Panzvimbo pezvo, kufarira mashizha, zvichiita kuti zvive nezvibereko zvinokura nokukurumidza (ona pasi apa).
Kufarira Kufarira
Iwe unowana mubereko kana iwe uchikweretesa mari kana kuti uisa mari mumari yebhange inofarira inosanganisira sekaunti yekuchengetedza kana chikwata chekuisa (CD) . Mabhangi anokweretesa iwe: Vanoshandisa mari yako kupa zvikwereti kune vamwe vatengi uye kuita mamwe masimba, uye vanopedza chikamu chemari yacho kune imwe nzira yekufarira.
Nguva nenguva, ( mwedzi wega wega kana wechitanhatu , somuenzaniso) bhangi inotora chikwereti pamari yako. Iwe uchaona mutengesi webhadharo yekufarira, uye iwe uchacherechedza kuti kubhadhara kwekhasi rako kunowedzera. Iwe unogona kushandisa mari iyoyo kana kuti urichengetedze mubhuku kuitira kuti ienderere mberi kuwana mubereko. Zvaunogona kuchengetedza zvingaita kuti uwedzere kukurumidza paunenge uchisiya kufarira muakaunti yako - iwe uchawana chikwereti pamari yako yepakutanga uyewo kufarira kuwedzerwa ku-akhawunti yako .
Kuwana ruzivo pamusoro pezvaunofarira zvawakamboita kare inozivikanwa sechikwata chinowanikwa .
Muenzaniso: Unoisa $ 1 000 munhoroondo yekuchengetera iyo inopa chikamu chezana kubva muzana. Nechido chakanaka, iwe unogona kuwana $ 50 kune rimwe gore. Kuverenga:
- Wedzerai $ 1 000 mukuchengetedza ne5 muzana inofarira.
- $ 1 000 x .05 = $ 50 mumaripo (ona kuti ungashandura sei mapeji nemadhora ).
- Chikamu cheAigeri mushure megore rimwe = $ 1,050.
Zvisinei, mabhanga akawanda anoverenga kufarira kwako mari yega rega-kwete kungoita gore rimwe chete. Izvi zvinoshanda nekuda kwako nokuti iwe unotora mukana wekuwedzera. Kufunga kuti bhadha yako inobatsira kufarira zuva nezuva:
- Nhare yako yekondomu ichava $ 1,051.16 mushure megore rimwe.
- Purogiramu yako yegore negore inobereka (APY) yaizova ye5.12 muzana.
- Iwe waizobhadhara madhora 51.16 mune zvekufarira gore.
Misiyano inogona kunge yakaita sediki, asi isu tiri kungotaura nezvekutanga yako $ 1000 (iyo inotanga kutanga, asi inotora mari yakawanda kuti iwane zvinangwa zvemari).
Ne $ $ 1,000, iwe uchawana zvishoma. Nokufamba kwenguva (uye sezvaunoisa zvakawanda), hurongwa huchaenderera mberi nechando muzvikwata zvakakura uye zvakakura. Kana iwe uchisiya kambani chete, iwe uchawana $ 53.78 mugore rinotevera (uchienzaniswa ne $ 51.16 mugore rokutanga).
Ona Google Sheet spreadsheet nemuenzaniso uyu. Ita kopi yespredishiti uye uite shanduko kuti udzidze zvakawanda pamusoro pechidimbu chechidimbu.
Kubhadhara Kufarira
Paunokwereta mari, iwe unowanzobhadhara chikwereti. Asi izvo zvingasave zviri pachena - hakusi nguva dzose mutambo-chinhu chekutengesa kana mutemo wega wega wekutora mari.
Chikwereti chikwereti: Nezvikwereti semuzinda wakazara, motokari, uye zvikwereti zvevadzidzi, mari yekufarira inobikwa mubhadharo yako yemwedzi . Mwedzi woga woga, chikamu chekubhadhara kwako chinowedzera kukuderedza chikwereti chako, asi chimwe chikamu ndechimwe mari yako inofarira. Nezvikwereti izvi, iwe unobhadhara chikwereti chako pane imwe nguva (gore re15-mortgage kana makore mashanu emotokari yemotokari, somuenzaniso). Kuti unzwisise kuti zvikwereti izvi zvinoshanda sei, verenga nezvemari yekuita mari .
Kubhadhara chikwereti: Zvimwe zvikwereti zviri kubhadharwa zvikwereti, zvinoreva kuti unogona kubhadhara mamwe mwedzi mushure megore uye uchitora zvikwereti pane chikwereti. Somuenzaniso, makadhi emakwereti anokubvumira kuti upedze kakawanda chero bedzi iwe uchigara pasi pekwereti yako chikwereti. Nhamba dzekuverenga dzinosiyana, asi hazvisi zvakaoma kuti uone kuti kufarira kuripo uye sei kubhadhara kwako kushanda .
Zvimwe zvekubhadhara: Maripo inowanzotaurwa nezvegore rega rega yepamusoro (APR). Nhamba iyi inokuudza kuti iwe unobhadhara mari yakawanda sei gore uye inogona kusanganisira mari yakawedzerwa pamusoro uye kudarika mari yekufarira. Mari yako yekuda mari inofadza ndeye "chido" (kwete APR). Nezvikwereti, unobhadhara mari yekuvhara kana mari yemari, izvo zvisiri zvekutora mari inobva kune chikwereti chemari yako uye chikwereti chako.