Chero bedzi iwe unonamatira kumagariro ekadhi rako rechikwereti uye uchengete kadhi rako muhumi hwakanaka, iwe uchafarira chikamu chechiderera. Zvimwe zvikanganiso, zvisinei, zvinogona kukonzera kusagadzikana kwekutengesa, chikwata chekufarira icho chinogona kuita kuti zvive zvakadhura kutakura chikero uye zvakaoma kubhadhara kadhi rako rechikwereti.
Chii chine kadhi rechikwereti risingabatsiri?
Chikwereti chekwereti chakashata, iyo inowanzonzi chirango chechirango, ndiyo yepamusoro yekutambira inotengeswa nemunhu ane chikwereti kana mutengi, kazhinji sechirango chekudarika painotora nemazuva makumi matanhatu kana kupfuura, kupfuura chikamu chekwereti, kana kuva nekadhi rako rechikwereti kubhadhara kunodzoka nebhangi rako.
Chikwereti chekodhi zvinowanikwa pasi rose zvinowanzotarisana ne29,99%. Mari yekubhadhara mari yaizova $ 20.54 pa $ 1,000 chikwereti chikwereti pamusana wekutengesa kutengesa. Enzanisa izvozvo kune $ 10.27 mari yekubhadhara iwe waizobhadhara pachiyero chimwechete asi pane yakaderera zvikuru 15% yehuwandu hwekuda uye iwe uchaona kuti mari inodhura yakawanda sei inogona kuva.
Kana kadhi yako yekubhadhara chikwereti ichiwedzera chikwereti chako chekuda kusvika kune zvakashata, iwe unogona kuideredza mumwedzi mitanhatu chero bedzi iwe unonamatira kumashoko ako ekadhi rechikwereti. Izvozvo zvinoreva kupa mubhadharo wako nenguva, gara mukati mekwereti chako, uye nguva dzose uine mari yakakwana mukutarisa kwekambani yako kuti uvhare chikwereti chako chekadhi rechikwereti kuitira kuti kubhadhara kwako kusadzoswe.
Zvichienderana nemitemo yako yekadhi rechikwereti, muyero unogona kungodzokera zvakare pasi pariyako yako iripo. Vamwe vanokwereta vangave vachiri kushandisa chiyero chepamusoro kune zvitsva zvinotengwa mushure mokunge mutengo wekutengesa wakazobudirira.
Nzira nhatu dzekudzivisa kutadza kushandiswa
Hazvisi zvakaoma kuti urege kutadza kushandiswa pamari yako yekwereti yemari.
Tevera mitemo iyi yekutanga uye iwe unogona kudzivisa kuva nechido chako chekuwedzera chichiwedzera kusvika pakusvika kwekutengesa.
- Ita zvose zvaunobhadhara panguva . Kana iwe wakanonoka pane imwe mubhadharo, kubatwa nekukurumidza nokuti kutadza kusinganisi kunopera mukati mushure memazuva makumi matanhatu ekudarika, kureva kukweretwa kuri maviri mushure.
- Gara pasi pekwereti yako chikwereti . Kunyange zvazvo vakawanda vane kadhi rechikwereti vakapedza mari yepamusoro-iyo-muganhu, havasati vadzivisa kusagadzikana kwekutengesa kunowanzoitika kana iwe uchibhadhara kupfuura chikamu chako.
- Iva nechokwadi chokuti une mari yakakwana mukutarisa kwekambani kuti uvhare mutero wako. Kudzorerwa cheki hakusi kungotungamirira kumari yekubhadhara yakadzorerwa, asi vanoitawo kutengesa kushandiswa.
Kutenda kuCredit CARD Act ya2009 , hapasisina zvachose pasi pose apo mumwe munhu ane chikwereti angakwanisa kukwidza muzinga wako kumutengo usingagumi nekuda kwekuti wakanonoka kana kupfuura chikamu neimwe kadhi rechikwereti.
Chikwereti uye Nhepfenyuro Yechikwereti Default Rate
Rumwe rudzi rwakasiyana rwekutsvaga huwandu hunoshandiswa nemudhikiti uye chikwereti chekwereti kuti uone nhamba yevashandi vemakadhi echikwereti nevakweretesa chikwereti vanonoka kubhadhara. Izvi zvisingabhadharwi zvinotora makadhi echikwereti anenge apfuura, asi haana kutongerwa-kubviswa kana kubhadhara uye kubhadhara mari uye zvikwereti zvemari zvinopfuura mwedzi mitatu yapfuura zvakakodzera.
Izvo zvisingagoneki zvinogona kushandiswa kuyera hutano hwehupfumi. Kuwedzera kusinganisirwa kwemari - vakawanda vanokweretesa vari kunonoka pakadhi ravo rechikwereti nemari yekubhadhara chikwereti - zvinogona kureva hupfumi huri kutambudzika. High mortgage default rates inoreva kuti kuwedzera kweimba inonzi foreclosures kunogona kunge iri munzira.