Kadhi-kadhi yemakadhi inoitika apo iwe wave wakanyanyisa kudarika pamari yako yekubhadhara kadhi rechikwereti. Icho chikwereti chakakosha chekadhi rechikwereti haisi kungogunzva kumira kwako pamwe chete nekadhi kadhi rechikwereti, asiwo chikwereti chako chinowanikwa muhuwandu uye kukwanisa kwako kubvumirwa kune makadhi emarikiti, zvikwereti, nezvimwe zvikwereti zvekwereti.
Kadhi Kadhi Kwereti Inowanikwa Sei?
Paunogamuchira kadhi rechikwereti, unobvumirana nemamwe mazwi.
Semuenzaniso, unobvumirana kuti uite chikwereti chako chakanaka nezuva rakakodzera rakanyorwa pane chetatimho rekadhi rechikwereti. Kana iwe uchinge uchinge usisina chikwereti chekadhi rechikwereti mwedzi mitanhatu mumutsara, kadhi rako rekwereti richave risina kukwana. Kadhi kadikiti yako yechikwereti angangovhara kero yako uye anyore iyo yakasununguka kumabhadharo emarikiti.
Mumwedzi inotungamirira kukadhi rechikwereti, mamiriro ako (ekupedzisira) okubhadhara chiitiko achazoonekwa kune matatu matatu makuru ebhadhara chikwereti uye chikoro chako chikoro chichagadziriswa nekunonoka kwemari yako. Kana iwe ukakumbira chero mutsva yemakadhi emakadhi kana zvikwereti mushure mekunge kadhi rechikwereti risina kushandiswa, shanduro yako ingangodaro yakarambwa nokuti vatengi vanofunga kuti uri pangozi yekuregererwa pane chero zvikwereti zvitsva zvekwereti. Ichokwadi, vamwe vanokweretesa havazokubvumi iwe zvachose kusvikira waisa chikwereti chakanaka (kana icho chinodonha chikwereti chako chekwereti ).
Nenguva iyo kadhi rako rechikwereti risina kukwana, iwe unogona kunge wakaunganidza mazana emadhora mubhadharo nemari yekuda.
Zvinosuruvarisa, zvingasarudzwa zvekuregesa kadhi rechikwereti zvisingagoneki zvingave zvisingakwanisi nekuda kwenhamba yebhadharo yawakashaya paakaunti yako. Dai wakatumira kadhi yako yekubhadhara chikwereti nokukurumidza, unogona kunge wakakwanisa kuronga urongwa hwekubhadhara pamari yakatarwa yakatarwa uye wadzorera nhoroondo yako kuti ive yakanaka.
Panguva ino, kadhi yako yekubhadhara chikwereti inotarisira kuti nhoroondo ibhadzwe zvakakwana.
Hezvino pane zvaungasarudza zvekutarisana nekodhi kadhi yakakwana:
- Bhadhara iyo yekodhi yakazara, kana iwe uine mari, hongu. Chokutanga, edza kutaurirana mubhadharo kubvisa uko chikwereti chekwereti chekwereti chibvisa kero kubva kumurairo wako wekwereti mukuchinjana kubhadhara. Vamwe vane chikwereti vanogona kubvumirana, vamwe havazoiti, asi iwe hauzozivi kana iwe usingabvunzi.
- Gadzirisa iyo account zvishoma pane mari yakakodzera. Kugadzirisa chikwereti ichiwo kukurukurirana. Munhu ane chikwereti haafaniri kubvuma chiyero chakaderera pane chikamu chinofanira, asi vamwe vanogona kugutsikana.
- File bankruptcy . Zvichienderana nehuwandu hwekusakwana uye chero mimwe mimwe chikwereti chaunacho, unogona kufunga nezvekuisa chikwereti chekugadzirisa chikwereti chako uye kuchiita kuti chiwedzerekwe kana kuti chikwanise kubudiswa. Cherechedza kuti kubhadhara kunogara pane yako chikwereti mushumo kwemakore 7-10, saka haisi chisarudzo chekupinda nyore.
- Siya zvakadaro. Iwe unogona kukanganisa iyo compte, zvichida sarudza kuti ungaitei pamusoro payo gare gare uchidzika mumugwagwa. Cherechedza kuti uyo ane chikwereti anokwanisa kukutsvakirei chikwereti, nyora pane chikwereti chako chekwereti, uye anogona kukupomera mhosva chero bedzi mutemo wekukanganisa uripo.
Kana uri kuwana nhare kubva kune vatokweretesi vatengesi, unogona kuvamisa kuburikidza nokutumira kugumira uye kurega tsamba .
Cherechedza kuti tsamba iyi inoshanda chete kune wechitatu-chikwereti vatokari vatori, kwete mukwereti wepakutanga.