Kana tisingaiti izvozvo, tinogadzirisa mamiriro ezvinhu asina kukodzera kuve nekutengesa kwevakwereta vasina kubhadharwa.
Iyi nheyo inoratidzira kumashure kune zviito zvevati bato risati rasvika nyaya yacho. Kana munhu ane chikwereti (munhu anokwidza chikwereti chekwereta) anokwereta vamwe vatengesi asi haabhadhara vamwe vatengesi vakafanana nguva pfupi asati asvika kubhadhara chikwereti, munhu ane chikwereti anonzi akaita mari yakasarudzwa kune avo vane nhanho (kana kusina maturo - ona pasi) vatengi. Zvaunofarira zvakanyanyiswa pane imwe nyaya ye bankruptcy.
Aina dzeDenho
Nokuda kwekushandiswa kwebhishopu, chikwereti chinouya mumapoka akasiyana, kana zvikamu. Kazhinji, chikwereti chichawira mune chimwe chezvikamu zvina:
- Kutungamira - izvo zvikwereti zvakakosha kuhutungamiri hwekwereti yebhengi, semhosva yemhosva yemhosva kana muteresi.
- General Unsecured - Makadhi echikwereti, zvikwereti zvezvechiremba, chikwereti chebhizimusi, chikwangwani chezvikwereti zvinosanganisira chivimbiso chekubhadhara pasina mari, chikwereti chakadai seYOU, uye chikwereti kubva kune shamwari kana mhuri
- Kunyanya Kusachengetedzwa - chikwereti chisina kuchengeteka icho nekuda kwezvikonzero zvakasiyana-siyana tinoona sechinyanya kukosha kana chakakosha, kusanganisira mitero ichangobva kuwanikwa
- Yakachengetedzwa - chikwereti chakachengetwa sezvikwereti zvemotokari kana musha wemari
Apo patinotaura pamusoro pezvikwereti zvakafanana, tiri kutaura nezvevakweretheni vane rudzi rumwechete rwechikwereti, sevamwe vese vasina kuchengetedza vasiri chikwereti kana zvose zvinotanga kusati vatsigirwa chikwereti.
Kusarudza Mumwe Mubatiri Kune Mumwe
Kunyangwe tichikwanise kusarudza kuti ndiani, chii, nguva uye seiko isu tinokwereta vatengi vedu, zvisinei chero zvibvumirano zvatinazvo nazvo, kubhadhara mari inofunga kuti tinobhadhara vose sevakwereta nenzira yakafanana. Semuenzaniso, tinoita mubhadharo wechidiki pamakadhi edu ekwereti mwedzi mumwe nomumwe. Pasi pemamiriro ezvinhu akawanda, hatingasarudze kuti zvikwereti zvipi zvekubhadhara. Mumwe nomumwe achabhadharwa zvishoma nezvibvumirano zvishoma. Vamwe vanogona kubhadharwa zvimwe, zvishoma.
Saka, sei ungasarudza kubhadhara chikwereti chimwe kupfuura vamwe? Iwe unogona kuva nechikonzero chakakwana chakanaka chekuita izvozvo. Semuenzaniso, kadi yako yeVisa inogona kuva nehuwandu hwekuda kupfuura ye MasterCard yako, saka unoda kubhadhara pasi nokukurumidza. Kana kuti zvimwe ine bhaari yakakwirira.
Asi, zvakadini kana iwe wakanga wakasungirirwa kuti uwane mari uye iwe wakanga uine zvakakwana kubhadhara vamwe vatengi, asi kwete vamwe? Kana iwe usina kubhadhara Visa, asi wakabhadhara Mastercard pane, pane izvozvi kuVisa? Ko kana iwe wakapa chikwereti kuna tezvara vako uye waida kuve nechokwadi kuti wakabhadharwa usati watumira nyaya yekubhadhara?
Izvi zvinokweretwa zvisina kukodzera zvinonzi zvinoshandiswa kana kushandiswa kunofanirwa.
Chii Chinoita Kuti Zvive Zvaunoda?
Kuda kunyorera mubhadharo kunosangana nematambudziko mashanu:
- Kudzingwa kunofanira kunge kuri kubatsiri kune chikwereti.
- Kuwedzerwa kunofanira kushandiswa kubhadhara chikwereti chakareruka (chikwereti chaivapo kusati kwasvika kuendeswa).
- Kudzingwa kunofanira kunge kwakagadzirwa apo uyo ane chikwereti ainge asina mari.
- Kuwedzerwa kwakaitika mukati memazuva makumi mapfumbamwe kubva pakuiswa kwebhishopu, kana gore rimwe kana uyo ane chikwereti aive ari mukati.
- Uyo akakwereta akagamuchira zvakapfuura zvingadai zvakagamuchirwa muChitsauko 7 chakanga chisina kutorwa.
Kudzivisa Zvaunoda
Saka, zvino, tinoitei pamusoro pazvo? Nhamba yekodzero inoita kuti mutongi ave nekodzero yokutora mari yakapiwa kune chikwereti zvakasarudzwa uye kuidzosera iyo kune vose vanoita chikwereti pane zvimwe, kana pro rata , hwaro. Izvi zvinodanwa kusarega zvaunoda.
Kunyange zvazvo angave ane kodzero yekuenda kune imwe nguva iyo iwe unoratidzika kunge wakasarudza mumwe munhu ane chikwereti kune mumwe, mutasitiri wacho haakwanisi chikamu nemari yekutsvakurudza uye matanho anodiwa kuti aunganidze mari, kushandiswa kwezvikwereti kubva kune vamwe chikwereti uye kugoverana zvakare iyo inowanikwa.
Inguva iyo inofanirwa kuongorora imwe neimwe yekutengesa kwako kusati kwasara inowanzova yakawanda kudarika chero upi zvake kune pfuma ye bankruptcy. Nokudaro, chikwangwani chekubhadhara chinoda kuti munhu ane chikwereti azarure mubhadharo yemari yakarongwa yakapiwa mumazuva makumi mapfumbamwe asati apera, asi kana chete mari yekubhadhara (s) inokwana $ 600 kana kupfuura kune imwe chete chikwereti panguva iyoyo.
Kunyange zvakadaro, mutsigiri anogona kushandisa sarudzo yake kuti aone kana zvingava zvakanaka kuenda shure kwemari iyoyo. Chiyero chacho chimwe chinhu. Chimwe chikonzero ndicho chinonzi dzimwe nguva chinonzi "chinonyanya kukosha chekwereti". Mubhadharo unongoda chete kusvika pakukwirira kwacho kudarika izvo zvinokweretwa nemutengi wacho (achifunga kuti ichi Chitsauko 7 nyaya.
Heano muenzaniso: Fungidzira kuti une $ 10 000 mune rimwex property. Iwe une vateresi vasere, mumwe nomumwe wavo akaisa chikonzero chakanaka nedare. Zvinhu zvose zviri zvakaenzana, mumwe wevaya vane chikwereti aizogamuchira $ 1,250 muhomwe ye bankruptcy.
Ngatiti iwe wakabhadhara mumwe munhu ane chikwereti $ 2,000 musati wasvika. Uyo ane chikwereti aizowana mamwe madhora mazana 750 kupfuura zvaaizofanira, uye paizova ne $ 750 pasi muhova kune mumwe munhu ane chikwereti kugovana. Mutrasti ane kodzero yekukumbira iyo $ 750 kumashure. Asi zvakakosha here? Mutrasti anofanira kuongorora kubatsirwa kwekutevera $ 750 nokuda kwevamwe chikwereti. Kufunga nezvemutevedzeri wematrasti ndeye 25% kana kupfuura pane zvose zvinopinda nemaoko ake, zvichida hazvizove zvakakosha zvikuru kurwisana zvakaoma kuti iyo $ 750.
Mutemo wezuva 90
Kazhinji, vatrusti vachangotarisa zvido zvinowanikwa mumazuva makumi mapfumbamwe asati apera nyaya yacho. Asi izvo hazvisi zvakaoma uye zvinokurumidza. Zviri nyore kuti vatongi vasaita zvisarudzo panguva iyoyo nokuti nemitemo, munhu ane chikwereti anonzi anonyangarika panguva. Kufungidzira hakuna chimwe chinhu kunze kwekufungidzira kunogona kukundwa neuchapupu. Kana munhu ane chikwereti achigona kuratidza kuti mutero wacho aisarudzwa apo zvaidiwa zvaitwa, zvingava zvakaoma kuti mutasitiri aratidze kuti kubhadhara kwaive kwakasarudzwa. Saizvozvowo, mutsigiri anogona kuedza kudzivisa kubhadharwa akaitwa zvakare shure shure kwemazuva 90-kutarisa kumashure kana aiva nehuchapupu hwokuti muteresi ainge akanganisa kure kure.
The Insider Rule
Kutaura zvazviri, mutrasti anogona kudzoka shure kwegore kana mupi wemubhadharo aive mukati. Insiders dzinosanganisira mhuri, shamwari, mabhizinesi, vanhu kana masangano ane ruzivo rwakakosha kune ane chikwereti. Chero mari yekubhadhara kune imwe yega inofanirwa kubudiswa uye inofanira kuongororwa sezvinodiwa.
Proper Preferences
Zvaunofarira zvinogona kunge zviri muchimiro chekuendeswa kwepfuma pamwe chete. Kudhindwa kwemotokari pakubhadhara chikwereti kuna tezvara vako kwakakosha sekupi kwekubhadhara kwemari uye kuchabatwa zvakafanana mune chero kuongorora kupi zvako. Zvechokwadi, kunyange kudzorera kana kufanirwa kunogona kuonekwa sekubhadhara kunokosha.
Uri Kuramba Kuda Zvakanaka Kumunhu Anogamuchira Here?
Mhinduro shomanana ndeyekuti, zvaanoda ndezvakanaka kumunhu anotora chikwereti nokuti mubhadhadzi wekupedzisira haazogoni kubhadharwazve kupfuura iye angadai akagamuchira kana munhu ane chikwereti achibhadhara zvakakwana uye pasi pemamiriro ezvinhu.
Ngatitorei kuti chikwereti ndibaba vako vakakukwereta $ 5,000. Iwe uri kufunga nezvekuisa chikwereti che bankruptcy. Iwe unoda kuva nechokwadi chokuti baba vako vanobhadhara pamberi pevamwe vose. Saka iwe unoshandisa yekupedzisira kwezvinhu zvako kumubhadhara zvaunokwereta kwaari.
Mwedzi mitanhatu gare gare iwe unoshanyira mutongi wenyika. Anokukumbira kuti unyore zvikwereti zvawakaita mumazuva apfuura makumi mapfumbamwe nematatu uye zvikwereti zvawakaita kune vanogara mumakore apfuura. Munyaya iyi, baba vako vaizove vakakodzera sevamwe vari mukati. Kubhadhara kuchafanirwa kuziviswa.
Ngatitii mune $ 10 000 mune zvimwe zvinhu zvisingakwanisi kutengeswa uye mutengesi kuti vashandise chikwereti. Iwe une vatengi gumi, mumwe nomumwe wavo aizowana $ 1000. Zviri pachena, baba vako vakagamuchira zvakawanda kupfuura zvaangadai vakagamuchira dai musina kumubhadhara. Kana muteresi wacho achidzoka kuti $ 5,000 kubva kuna baba vako uye anoiwedzera kudziva rezvinhu zvinogona kugoverwa, mutero mumwe nomumwe achazowana $ 1500, kusanganisira baba vako.
Zvakanaka here? Ehe. Baba vako vanoda kuifarira here? Nha. Icho chirevo chakaoma kune vamwe vane chikwereti kuti vaone, kunyanya avo vasingabatanidzi mune zvekutengeserana.
Izvi hazvirevi kuti iwe unofanirwa kubhadhara kubhadhara baba vako. Kunyange zvazvo chikwereti chipi nechipi chaunokweretesa chakabvumirwa nemutemo, hapana chaicho mumitemo yebhangi inokurambidza kumubhadhara mushure mokunge gwaro iri rapera.
Zvaunofarira uye Chikwereti Chakachengetedzwa Kana Chekutanga
Simba remutrasti rekudzivirira rinoshandiswa nguva shoma pamusoro pekuchengetedzwa uye chikwereti chekutanga. Chikwereti chakachengetedzwa chinzvimbo chakakosha nekuda kwechibvumirano pakati pemunhu ane chikwereti nemunhu anenge akwereta kuti mari yaiye akakwereta inogona kutengeswa kuti atore chikwereti. Dai muteresi wacho aizodzivisa zvakasarirwa achibhadharwa pane chikwereti chakachengetedzwa, kubhadhara kwaizotsiviwa nedzimwe nzvimbo yeanokwereta. Saka, inenge iri kushamba.
Chokutanga chikwereti chinewo chiitiko chakakosha nekuti Congress yakaronga kuti zvimwe zvikwereti zvezvikonzero zvepamutemo zvinofanira kubhadharwa zvisati zvave zvikwereti zvisingaverengeki. Izvo zvinowanzodiwa zvikwereti zvinokonzerwa nekubatana, kubatsirana kwevana, uye mitero ichangobva kuwanikwa. Chero mari inosungirwa nematirastii ichaenda kutanga kubhadhara chero zvikwereti zvinotangira. Nokudaro, hazvisi zvisizvo kuti mutasitiri arege kubhadhara chikwereti kune avo vasina chikwereti vasiri chikwereti uye kuti mari iyo inobhadharwa zvakakwana kuti ibvise chikwereti chakakosha. Kune rumwe rutivi, chero zvikwereti pazvikwereti zvinotarisirwa zvinotarisirwa nematirastii zvinongodzorerwa kune avo vanotora chikwereti.
Kusiyanisa kuRule
Mutemo wega wega une zvisizvo uye simba remutongi wekusachengetedza kushandiswa kwakasiyana hakusiyana. Heano zvinhu zvitatu zvezvinowanikwa.
Kuparadzana kwekuenzanisa : Paunenge uchibhadhara kutenga iwe uri kuita panguva imwe chete, hapana chaunoda. Zvaunofanirwa zvinofanira kuva zvezvikwereti zvave zvambovapo zvisati zvaitika kutengeswa kwekutengesa.
Nzira Yowanenge : Paunenge uchishanda mu "bhizinesi rebhizimisi." Somuenzaniso, kana iwe une bhizinesi, uye iwe unowanzobhadhara invoyisi mazuva makumi matatu mushure mekugadzira zvinyorwa, iwe uri kubhadhara yako mune imwe nguva yebhizimisi, uye haisi kuwedzerwa.
Nhamba Yatsva : Kana iwe uchibhadhara mumwe munhu nokuda kwechikwereti iwe unenge uine chikwereti, asi mukwereti ndiye anokupa hutsva hutsva, kubhadhara kwakanga kusina kukodzera. Muenzaniso wekutsva kwekutenga kwaizova yekutengesa zvinhu zvekutengesa kwauri shure kwekubhadhara bhadha yakakosha.