Pamwe, Federal, uye Mamwe Marudzi emari
Consolidation vs. Refinancing
Chokutanga, zvinobatsira kujekesa kusiyana kwekudzidziswa kwevadzidzi nekugadzirisa chikwereti.
Kubatanidzwa kunoitika apo iwe unobatanidza zvikwereti zvakawanda muchikwereti chimwe chete. Iko pfungwa yakawanda kune imwe : pane kugadzirisa zvikwereti zvakasiyana zvakasiyana, mwedzi miripo, uye zvinyorwa zvokubhadhara, unogona kutengesa zvinhu zvose pamwe chete uye kuzvibata nemutengo mumwe chete. Kana iwe uchida, iwe unogona kudana ichi "kucherechedza" panzvimbo yekubatanidza.
Refinancing ndeye paunotora chikwereti (kana kuti zvikwereti zvizhinji) nekweretwa mitsva, zvakakwana chikwereti chiri nani. Chinangwa chacho kazhinji kuti uwane chidimbu chechibereko chepasi kuitira kuti iwe unogona kuderedza mararamiro ako ehupenyu nekubhadhara kwako pamwedzi. Kana iwe uchigadzirisa, iwe unogonawo kusimbisa panguva imwechete (nokubhadhara chikwereti chakawanda nemari yako mitsva). Panzvimbo yezwi rokuti refinancing , iwe unogona kufunga izvi se "kugadzirisa" chikwereti chako kuitira kuti iwe ubhadhe zvishoma.
Kubatana kwechokwadi kunonzwisisika (uye zvinongogoneka chete) kana mudzidzi wako chikwereti kubva pakutanga aibva kumapurogiramu ehurumende.
Iwe unogona "kusimbisa" zvikwereti zvemari yega yega nekubhadhara zvikwereti zvakawanda pamwe chete , asi zvikomborero zvikuru zvekusimudzira zvakachengeterwa zvikwereti zvehurumende.
Kudyidzana kwematokari "mapurogiramu" kunogonawo kukonzera kuvhiringidzika: mapurogiramu amabasa anopiwa nezvikwata zvekubhadhara zvikwereti uye masangano akafanana. Pfungwa iyi ndeyokuti sangano rinotaurirana nevana vechikwereti kuti zvikwereti zvisingakwanisi.
Iwe unongoita chete kubhadhara, asi kubhadhara kunoenda kune rejensi , iyo inobva yabhadhara yako yakawanda mari yechikwereti kwauri.
Federal Loan Consolidation
Paunenge uine zvikwereti zvakawanda zvevadzidzi vechikwereti, iwe unogona kusimbisa iyo zvikwereti uchishandisa Direct Consolidation Loan. Inhara yekutambira iwe unobhadhara, seyakazara, haingashanduki - iwe unopedzisira uine chiyero chakakosha pane chikwereti chinokonzera icho chakanaka chiyero chakafanana iwe waibhadhara pane zvikwereti zvakasiyana. Izvozvo zvinotora chikwereti zvichashanda kune chikwereti chose chaunosimbisa, icho chingave kana chisingabatsiri (kana iwe pane imwe nzira waive nechikwereti chimwe nechikwereti chakakura maererano nezvimwe zvikwereti, zvingave zviri nani kubhadhara izvo zvakashata pane kuwedzera kune yako kubatanidza chikwereti). Nhamba dzechido dzakagadzirirwa pane idzi zvikwereti .
Kubatanidza kunogona kukupawo sarudzo yekuchinja purogiramu yako yekubhadhara. Semuenzaniso, unogona kukwanisa kubhadhara mutero kune makore makumi maviri nemashanu pane nguva shoma. Zvisinei, nguva refu yekubhadhara inoreva kuti iwe uchabhadhara chido chikuru pamusoro pehupenyu hweavo zvikwereti, iwe unofara kubhadharwa kwepamwedzi kwemazuva ano zvichienderana nekudhura kwepamusoro.
Zvakadini nokubatana nehurumende yemari chikwereti nezvikwereti? Iwe unogona kuita izvozvo kana iwe ukashandisa purogiramu yega yega (kwete neFeral Direct Consolidation Loan), asi iwe unoda kuongorora iyo chisarudzo nokungwarira: kana waita chikwereti chehurumende kumunhu anenge aine chikwereti chega, iwe unorasikirwa nemafaro ehurumende yemari chikwereti .
Kune vamwe, izvo zvibatsiro hazvibatsiri, asi hauzombozivi izvo ramangwana rinounza, uye zvinhu zvakadai sekuregererwa uye kubhadhara mari-kubhadhara kungasvika mune rimwe zuva rimwe zuva.
Refinancing neVa Private Lenders
Iko kusungirirwa kwemari yega yega kune imwe sarudzo kana iwe uchigadzirisa chikwereti chako. Mumushamba wega wega, vateresi vangave vachida kukwikwidzana nemari yako, uye iwe unogona kuwana chakanaka kana uine chikwereti chakanaka . Sezvo chikwereti chikamu chekuchinja pane nguva, unogona kukwanisa kuita zviri nani ikozvino kana uri kutora zvikwereti pane nguva kwemakore akawanda .
Kuongororazve zvingakubatsira kuti uite nyore, asi zviri kunyanya kuchengetedza mari. Kana iwe uchikwanisa kuwana chikwata chechidimbu chechibereko (kana chimwe chimwe chibereko), iwe uchava panzvimbo yakanaka. Zvakare, zvinogona kutambanudza kubhadharwa kwako kwemakore amangwana - nguva dzose kana iwe uchigadzirisa, iwe unotanga kushandiswa kwekubhadhara kupfuura - asi iyo inogona kukubhadhara iwe kwenguva refu.
Kuti uone kuti izvi zvinoshanda sei, ziva nezvekubhadhara chikwereti (iyo ndiyo nzira yekubhadhara chikwereti).
Kana iwe uchigadzirisa, iwe unogona kuguma nechikwereti chakasimbiswa kana chakasiyana-siyana. Iva nechokwadi chokuti unonzwisisa kuti danho iri rinoshanda sei, uye chii chichaitika kana chido chekufarira chichishanduka - mari yako yemazuva ose ichakwira rimwe zuva?
Mamwe Marudzi Ematokari
Paunenge uchitsvaga, iwe unogona kuedza kuisa mamwe mimwe chikwereti mune chikwereti chako chitsva (motokari, kadhi rechikwereti, kana zvikwereti zvemunhu, somuenzaniso). Kunyange zvazvo zvaizoita kuti zvinhu zvive nyore, izvi hazvikwanisi kuitwa nemari yevadzidzi. Zvisinei, kune mamwe marudzi ehokodhi inogona kubata zvakasiyana-siyana zvechikwereti.
Mari nezvikwereti zvinogona kushandiswa pane chero chaunoda . Izvozvo zvinoreva kuti iwe unogona kushandisa chikwereti chako kuti unatsirire chikwereti chako chemudzidzi, kadhi rechikwereti kana maviri, uye yako yemari chikwereti. Zvechokwadi, izvi zvinongonzwisisika kana iwe uri kunyatsochengetedza mari (uye usazvidzivirira zvakare chikwereti zvakare kana ukasununguka mitsara yechikwereti ).
Unofanira Kubatanidza Here?
Kana iwe uine chikwereti chemari yechikwereti , chengetedza zvinobudirira uye kunyatsoteerera - kunyanya kana iwe uchiedzwa kuti uende kune imwe chikwereti chemudzidzi wega. Kushandisa kubhadhara chikwereti chehurumende haisi ngozi ine ngozi. Asi kuenda kune zvikwereti zvehurumende kune zvikwereti zvepamberi hazvisi chimwe chinhu chaunogona kuchinja - iwe ucharasikirwa nezvikomborero zvevashandi vezvematongerwo enyika nokusingaperi. Somuenzaniso, kana ukashanda mubasa revanhu, unogona kuva nemukana wekutora zvikwereti zvehurumende zvakakanganwirwa mushure memakore gumi emabasa - nhanho yakanaka yekuwana chikamu ichocho kubva kune chikwereti chemunhu. Nhepfenyuro yeGurumende inogona kukubvumirawo kuti uchinje (pasi) kubhadhara kwako kwemwedzi kubva kune yako yaunowana , asi vateresi vasiri pfupi vashoma kugaramo.
Kubatanidza zvikwereti zvehurumende zvakasiyana iwe pachako (uchishandisa chikwereti chekubatana kwehurumende uye kubhadhara zvikwereti zvemari pachako zvakasiyana) kunokupa nyore nyore kwekubhadhara kwemwedzi, uye iwe uchawana mukana wakatarwa kuitira kuti iwe nguva dzose uzive kuti iwe unenge uripi.
Kana iwe uine chikwereti chemari chikwereti , nguva dzose inofanirwa kutengesa kuzotarisa kuti uone kana iwe unogona kuwana mutengo uri nani. Tsvaga chikwata chepasi, chikwata (kana kwete) chekushanda uye kushandiswa kwemari, uye mamwe mazwi anoreva kuti iwe uchachengeta mari zvechokwadi. Ita tafura yekugadzirisa pfupa chechikwereti chega chega - kusanganisira chikwereti chako chiripo - uye enda nechisarudzo chinoshanda zvakanaka kwauri.