Zvese Zvamunoda Kuziva Nekwereta Chekuda Nhamba Dhidha
Chimwe chezvinhu zvinonyanya kukosha zvekadhi rechikwereti chikamu chechido. Iko kunokanganisa mari yekutakura chikwereti pane kadhi rako rechikwereti, mari yaunoda kuti ude kuderedza kana kunyange kubvisa. Hezvino izvo zvaunoda kuziva uye kunzwisisa pamusoro pekwereti kechikwereti chekuda.
Inofanirwa Kupihwa
Chikamu chekadhi rechikwereti chinoratidzirwa seMAP kana chikamu chepakati pegore . Iwe uchawana runyoro rweApris rose kune kadhi rechikwereti mune kadhi rechikwereti kuziviswa.
Inhara yekutora ikozvino inoshandiswa kune zviyero zvako ndeyekutaura kwako kwekutengesa.
Zvikwereti zvakawanda zvekwereti zvine nguva yenyasha apo iwe unogona kubhadhara chikwereti chako chekadhi rechikwereti zvakakwana uye usabhadhara chikwereti. Chero chikoro chakasara kupfuura nguva yenyasha ichakweretwa chikwereti nenzira yebhadharo yemari .
Mari yemari yemari inotarirwa nenzira dzakasiyana-siyana zvichienderana nemashoko ako ekadhi rechikwereti. Dzimwe chikwereti chekwereti vanoverenga mari yemari yemari yakabva kune yako yepamusoro yekodhi yemari yekodha yemari, chikero pakutanga kwekubhadhara, kana muganhu pakuguma kwebhadharo yako yekubhadhara. Mari yezvemari inogona kana isingasanganisi kutenga kutsva kwakaitwa pakadhi rako rechikwereti.
Fixed vs. Variable Interest Rates
Iko kune maitiro maviri ezvinyorwa zvekadhi rechikwereti chibereko chekuda - chakasarudzwa uye chinoshandiswa Fixed interest rate inogona kungoshanduka pane dzimwe mamiriro ezvinhu uye kadhi rechikwereti rinofanira kutumira chiziviso chisati chaitika usati wachinja chiyero chako.
Zvimwe zvinoshandiswa nhamba yemari, kune rumwe rutivi, zvakasungirwa kune imwe chikwata chekuda ( chiyero chekutanga , somuenzaniso) uye chinogona kuchinja chero nguva iyo yehuwandu yehuwandu inoshanduka. Kadhi kadhi yako yekubhadhara chikwereti haafaniri kupa chiziviso chisati chaitika kana shanduko yako yakasiyana-siyana inoshanduka - kana kuchinja ndiko kuguma kwekuwedzera kweanoratidziro yekutsvaga.
Ruzhinji rwekadhi yemari yekwereti inowirirana.
Akaverengeka Akasiyana APRs
Kadhi yako yekwereti inogona kuva neApris yakasiyana pamarudzi akasiyana emari. Semuenzaniso, kadi yako inogona kutenga APR, mari inotangira APR, uye kubhadhara kupera APR. Chimwe nechimwe chezvikwereti izvi zvinogona kunge zvakasiyana. Kadhi yako inogonawo kuva nechirongwa chePA APR chinotanga kushanda kana iwe usina kukwana pamagariro ako kadhi rechikwereti, somuenzaniso nekuita mubhadharo wekupedzisira.
Paunenge uchiita chikwereti kune kadhi rechikwereti rine zviyero zvakasiyana neApris yakasiyana, chero chiyero chiri pamusoro pekubhadhara kwakaderera kunofanira kuenda kune chikamu nechepamusoro APR.
Periodic Interest Rates
Marikiti yemakadhi inewo nguva, iyo inongova imwe imwe nzira yekuratidza APR nguva dzose kwenguva yakati isiri pasi pegore. Nhamba ye periodic yemari yemwedzi ndeyega APR inoparadzaniswa nenhamba yemwedzi mugore, seye 18% / 12 kana 1.5%. Nhamba dzenguva dzinowanzowanzobva pane yekubhadhara kwenguva shoma kupfuura mwedzi umwe. Muchiitiko ichocho, periodic rate inotaridzwa se: (APR / mazuva mugore) * mazuva mukubhadhara.
Chiyero chezuva nezuva chimwe chiitiko cheperiodic chakaverengwa kuburikidza nekuparadzanisa APR nehuwandu hwemazuva mugore (365 kana 366 mugore rinopera).
Ndezvipi Zvingadiwa Nhamba Dzakakwirira
Chikwereti chako chekwereti chekwereti chinogona kusimudza chikwereti chako chokutora chete pane dzimwe nguva: kana iwe usina kukwana pamagariro ako kadhi rechikwereti, mutengo wekutsvaga unowedzera, chikwata chekutsvaga chinopera, kana kana kuchinjwa kuchiitwa kune chirongwa chekuchengeta chikwereti .
Nzira Yokusarudza-Inobva Mukuwedzera Kuwedzera
Kana ukawana chikwata chekuwedzera chikwata chekuwedzera, iwe une kodzero yekuenda-kunze kwechirongwa chitsva uye unoramba uchibhadhara chikwereti chako chekadhi rechikwereti pachiyero chekare. Kadhi kadikiti yako yechikwereti inogona kusarudza kubvisa kadhi rako rechikwereti kana ukasarudza-asi, asi haufaniri kubhadhara chikwereti chapamusoro. Kuti uende-kunze, tumira chete tsamba yekubuda kune yako kadhi rechikwereti muchikwereti mukati memakore ekubuda.
Nzira Yokudzivisa Kubhadhara Kufarira
Uine zvikwereti zvakawanda zvekadhi rechikwereti, unogona kudzivisa kufarira kuburikidza nokubhadhara chikwereti chakanyorwa pane yako kadhi chekwereti. Zvimwe zviyero, semari inofambira mberi uye kuendeswa kwemashure, hazvisi nyore kuti usabhadhara chikwereti nokuti zviyero izvi hazvina nguva yenyasha. Muchiitiko ichocho, yako yakanakisisa sarudzo ndeyokuderedza zvido zvako zvekudhara nekubhadhara chikoro chako nokukurumidza.