Chikwereti uye Zvikwereti Zviripo
Kana iwe uchibvumirwa kuti uwane kadhi rechikwereti, kadhi rekwereti rechikwereti rinokupa chikwereti chekwereti chinoenderana nenyaya yako yechikwereti , kukwanisa kwako kubhadhara, uye kadhi rechikwereti pachako.
Chinhu chako chekadhi rechikwereti chakakoromorwa nemitambo yekubhadhara, iyo inongova nguva yenguva pakati pekutaura kwako kwekutora chikadhi chekwereti. Penguva yekubhadhara, iwe unogona kutenga, kutengesa kutengesa, uye mari yakatarisa kutengeserana kusvikira kune chikwereti chako chekwereti usingatori chero chirango. Zvisinei, kana iwe ukakwereta kupfuura chikwereti chako chekwereti , unogona kubhadhara mari yepamusoro-ye-mubhadharo zvichienderana nemitemo yekadhi rako rechikwereti. Zvisinei, iwe usati wambirwa kukwereta mari yakawanda yemari, iwe unofanira kusarudza-kupinda kuti uve nepamusoro-iyo-mupiro mhaka inoshandiswa. Kana zvisina kudaro, iyo mhosva ichaderedzwa.
Sezvo kadhi rako rechikwereti rinowedzera, chikwereti chako chiripo pakugadzira zvitsva zvinoderera. Somuenzaniso, kana iwe uine chikwereti chemari ye $ 300 uye uine $ 100 kutenga, bhaari yako yava iye zvino $ 100 uye chikwereti chako chiripo $ 200 ($ 300 - $ 100). Paunenge uchiita mubhadharo kana kugamuchira chikwereti kuakaunti yako, inoderedza chikamu chako uye inomutsa chikwereti chako chiripo.
Mitsara yekubhadhara uye Zvinyorwa zvekubhadhara
Pakupera kwega roga yekubhadhara , mutemo wekutengesa uchatumirwa kwauri. Maitiro ekubhadhara anowanzobva pamazuva makumi maviri kusvika kumakumi maviri nemakumi matatu, asi anogona kunge akafupika kana kwenguva yakareba zvichienderana nekadhi rako rechikwereti.
Kutaura kwako kuchabatanidza chikamu pakutanga kwebhadhiro yekubhadhara (chii chakaendeswa kubva pamwedzi wapfuura).
Iyo ichajekesa chikwereti chekwereti mari uye kubhadhara pamwe chete nezvikwereti uye mari inokonzerwa neakaunti yako munguva yekubhadhara . Mari nezvikwereti zvinowedzerwa kune chikamu kubva kubhedharo yako yapfuura, apo mari uye zvikwereti zvinodzingwa kuti zviuye nemari yako iripo.
Mari Yezvemari uye Nguva dzeGrace
Kana iwe wakatakura chikwereti kubva kumutambo wekubhadhara wapfuura , mari yekubhadhara ichashandiswa. Mari yekubhadhara mari inotaridzika uchishandisa gore rega rega yehuwandu uye imwe yevashanu nzira : chiyero chemazuva ose, chikero chegore rapfuura, kuenzaniswa kwemazuva ose, kuvhara kwekugadzirisa, kana kuenzaniswa kwezuva nezuva.
Kana iwe usina kutora chikwereti kubva kumutambo wekubhadhara wekare, iwe uchava nemukana wekubhadhara chikwereti chako chakakwana munguva yenyasha uye urege kuchengetedza mari. (Zvimwe zvekutengeserana, kufanana nemari inofambira mberi , hauna kuwana nguva yenyasha .) Kana iwe usingabhadhara chikwereti chako zvakakwana, chirevo chako chekubhadhara chinotevera chichabatanidza mari yekubhadhara mari.
Minimum Payments neLate Fees
Chikwereti chako chekwereti chekwereti chinongoda kuti iwe ubhadhe chikamu chiduku cheyeri yako mwedzi mumwe nomumwe. (Kusiyana nemakadhi makadhi apo iwe unofanirwa kubhadhara chikwereti chakakwana kana kubhadharwa mari yakawanda kana kufarira.
Nhamba yebhadharo yako shoma ichave yakanyorwa pane chirevo chako chekubhadhara uye inofanira kuitwa musati wabhadhara zuva rakakodzera rekufungidzirwa nenguva.
Kazhinji, mari inoshandiswa inowanikwa sepakati yemari yako yekwereti yemari . Kana iwe uchibhadhara zvishoma pane zvishoma kana iwe uchiita mubhadharo mushure mezuva rakakodzera , kubhadhara kwako kunofungidzirwa nguva uye iwe uchabhadharwa mari yekupedzisira . Paunenge uine mazuva anopfuura makumi matatu apfuura, chiziviso chekubhadhara chinowanikwa kune repoti yako yekwereti uye account yako inofungidzirwa yapfuura yakakodzera. Iwe unofanirwa kubhadhara chikwereti chakakwana chaicho, izvo zvingangosanganisira kubhadhara kunonoka, kuunza account yako ikozvino uye nekumira kwakanaka zvakare.
Paunenge uchiita kadhi rechikwereti, mari yacho inodzingwa kubva pachiyero. Mari yako inoderera uye mari yako iripo inowedzera. Saka, kana chikwereti chako chiri $ 200, chikwereti chako chikwereti $ 300, uye iwe unokwana $ 50 kubhadhara, chikwereti chako chinoderera kusvika $ 150 uye chikwereti chako chiripo chinowedzera kusvika $ 150.
Chikwereti cheKodhadhi yeCredit Ichiripo
Ramba uchifunga mupfungwa dzakawanda izvi zvinoshandiswa kune zvikwereti zvekwereti zvinokubvumira kuti utakure mari kubva pamwedzi kusvika pamwedzi panzvimbo yekubhadhara makadhi anoda kubhadhara zvakakwana mwedzi mumwe nomumwe.
Sezvaunoita zvikwereti uye kubhadhara nekadhi rako rechikwereti, muyero wako uye chikwereti chiripo chichakwira nekudzika. Teerera kutauriri yako yekubhadhara kwekubhadharwa kuripo uye zuva rakakodzera. Kuti uchengetedze zvakanaka chikwereti, iwe unofanirwa kuita bhadhara shoma mwedzi woga woga ugare zvakanaka pasi pekwereti chako chikwereti. Kana usina chokwadi nezvekwereti chako chikwereti, unogona kuchitarisa usati waita kutenga nokutumira nhamba kumashure kwekadhi rako rechikwereti.