Izvi zvinobatsira kune vose vakakwereta uye mukweretesi nokuti mukwereti haafaniri kutora nguva yakawanda yengozi; kunyanya kupa chikonzero chaicho chekuderera kwezvinhu zvishoma kuderedza kukura kwekupedzisira kukosha.
Pasinei nokuti vanogona kubhadhara mari yakawanda-uye inogona kubatsira, kunyanya kune mamwe marudzi emafemu anoshandisa - zvichida dambudziko guru nekutora chikwereti chikwereti chikwereti inenge nguva dzose kubhadhara kukuru kunokonzerwa pakuguma kwebvumirano. Chikanganiso chinowanzoitwa nevanhu vanofungidzira kuti vachakwanisa kugadzirisa. Refinancing haisipo nguva dzose uye kana iri, haisi nguva dzose inowanika pamutemo unogamuchirwa. Dare repamusoro rekodhadhi rekodhi rakazara nekambani, kubatana, uye vanhu vari ivo vaiita zvikomborero zvakakura kana kuti vanonakidzwa nehuwandu, mari yakagadzikana chete kuti vawane kuti nyika yakawa yoga uye hapana munhu akanga aripo kuti avhare chikamu.
Iko Chikwereti Chakakoshesa Chikamu Chingave Chingaita
Fungidzira iwe waida kutora chikwereti cha $ 1 000 000 chikamu chikwereti. Iwe une chikwata chekuda chidimbu che8,5%. Bhizinesi rinobvumirana kukupa makore manomwe ekukura uye nemakore makumi matatu ekugadzirisa purogiramu.
Mari yako ichave $ 7 689.13 pamwedzi. Iwe unopedzisa kubhadhara $ 645,886.92.
Pakupera kwemakore manomwe, iwe uchabhadhara chikwereti che $ 938,480.15, uye iwe unofanira kudzorera mari yacho yose nenzira imwe kana iwe uchatadza. Bhengi inotora chibvumirano uye zvichida kukumanikidza iwe kana kuti chirongwa chekuzivisa kubhadhara zvichienderana nekuti yakarongeka sei. Iwe unopedzisa kubhadhara $ 1,584,367.07 nhamba.
Kusiyana neizvi, dai waive nechikwereti, chechikwereti chakakwana chechikwereti nemakore manomwe ekukura, ungadai wakabhadhara $ 15,836.49 pamwedzi. Iwe unopedzisa kubhadhara $ 1,330,265.16. Pamugumo wezwi, iwe haufaniri kuwana chikwereti. Mari yacho inobhadharwa zvakakwana.
Sei mumwe munhu angasarudza mari yechikwereti chikwereti mumamiriro ezvinhu aya? Pasinei nemari yakakwirira uye kuguma-nguva inenge ichidiwa, kwemakore manomwe, akakwereta akawana $ 8,147.36 mamwe mari mwedzi mumwe nomumwe kupfuura iye kana kuti zvimwe zvaizova nemubairo wekubhadhara kwemwedzi. Izvozvo zvingave zvakapa purojekiti nguva yakakwana yekubva pasi kana kuti kutengesa chero chii chaiva chiri kutsigirwa nemubatsiri. Mune zvimwe zviitiko, nheyo ndeyokukura kwebhizimisi inenge yakakwana yekudzima muganhu (semuenzaniso, kambani inokurumidza kutswa yekombe isingagoni kuchengetedza nechishuvo saka inovaka fekitari yakawanda zvikuru iyo, pamutengo wayo wezvino kuwedzera, kunofanira kuita kuti kubhadharo kubhadhare kukanganisa)
Cherechedza: Kunze kwezvimwe zvinoshandiswa, chikwereti chakakwana chechikwereti, kunewo chikwereti chisingabhadhari, kana "chido chete" sezvazvinowanzotaurwa. Zvizhinji zvehutano hutano hwakarongwa nenzira iyi.