Batsira neDhokodzero yekudarika
Paunenge uine zvikwereti zvakawanda kupfuura iwe unogona kuchengeta-uye uri kutora nguva yakaoma kubhadhara-chirongwa chekusimudzira chikwereti chinogona kupa rubatsiro. Usati wanyora pasi, dzidza kuti vanoita sei uye vanoongorora kana iwe uchida chaizvo kushandisa imwe.
Chii chinonzi Debt Consolidation Program?
Chikwata chekusimbisa chikwereti chirongwa chinosanganisira kubatanidza zvikwereti zvakawanda mubhadharo rimwe chete. Muzviitiko zvizhinji, "chirongwa" ibasa rinopiwa nekambani yekupa chikwereti chekwereti kana sangano: iwe unobhadhara mari imwe chete kune kambani, uye vanotumira mberi mari yako kune vane chikwereti.
Mashoko acho anogona kuvhiringidza. Chikwereti chekukweretesa chikwereti (kunze kwepurogiramu) chikwereti chitsva chinoshandiswa kubhadhara zvimwe zvikwereti .
Nzira mbiri idzi dzakafanana, kunyange zvazvo dzinoshanda zvakasiyana zvakasiyana:
- Iwe unobhadhara mari imwe chete panzvimbo yekubhadhara kakawanda
- Iwe unogona kunge uine mubhadharo wepasi pamwedzi kupfuura iwe waimbova nawo
- Iwe unogona kugumisa kutora nguva refu kuti ubhadhara chikwereti chako
- Iwe unotarisira kuwana chidimbu chechibereko chepasi, kunyange iwe uchiri kungopedza zvakawanda pane chido zvachose
Zvakare, musiyano mukuru pakati pekukwereta chikwereti chikwereti nemusangano wekukwereta chikwereti ndeyekuti chikwereti chinoguma mukuchinja chikwereti chako kune chikwereti chitsva. Purogiramu , yatichazo tsanangura iri pasi, ibasa rekubatsira kubhadhara chikwereti chako kwavari.
Kana iwe une chikwereti chakanaka uye mari yakakwana , chikwereti chekubatanidza chikwereti chinogona kunge chakanakisisa iwe. Enzanisa zvikwereti iwe uchabhadhara chikwereti kana purogiramu, uye sarudza chakanaka.
Kubhadhara Kwenhenda Kubatanidza Zvirongwa Pabasa
Chikwata chekusimbisa chikwereti chirongwa chekubatsira iwe kutarisira chikwereti chako.
Nekubatsirwa kwesangano risina purofiti rinopa mazano kana kambani ye--profit, iwe uchagadzira chirongwa uye hurongwa hwekubvisa chikwereti mukati memakore matatu kusvika mashanu.
Tanga nekupa mazano: danho rokutanga rerongwa hwekukwereta chikwereti kukupa mazano. Iwe uchataura nevashandi kumubatsiri webasa kuti vaone kana kana vasingakwanisi kubatsira, uye kuisa chirongwa.
Uyu mukana wakanaka wokudzidza nezvekwereti yako - uye kubvunza pamusoro pemari uye kuti sangano rinoshanda sei. Kana iwe ukawana manzwiro akaipa, edza kambani yakasiyana.
Iwe uchabhadhara mari: kunyange zvazvo mamwe masangano asina maturo, tarisira kubhadhara mari yekugadzirisa uye mwedzi yemari mari. Enzanisa zvikwereti pakati pemasangano usati wasarudza imwe. Apo uri kutambura mune zvemari, iyo madhora mari.
Zvikwereti zvisina kuchengetedzwa chete: chikwereti chekugadzirisa zvikwereti ndezvechikwereti chisina kuchengetwa chete. Mune mamwe mazwi, chikwereti hachikwanisi kuchengetedzwa nekutengesa (semuenzaniso, mari yemari yemari uye auto chikwereti chaisazoshanda). Marikiti isina kuchengetedzwa inosanganisira zvikwereti zvakadai semakadhi emakwereti, zvikwereti zvemari, uye zvimwe zvikwereti zvevadzidzi.
Iwe uchachengeta maakaunti ako: ane chirongwa chekubatanidza chikwereti, zvikwereti zvako zvicharamba zviripo kwavari iko zvino - hausi kuwana chikwereti chitsva kana kutamisa chikwereti chakakomberedza. Iwe uchaita mutero wemwedzi mumwechete kune waunopa mupiro wako, uye mari yacho ichazogoverwa kune vakasiyana-siyana vakwereta. Mubatsiri wako webasa anotaurirana nevakweretesi vako panguva yekugadzirisa uye sezvo chirongwa chinowedzera.
Hapana chikwereti chitsva: chinangwa ndechokubvisa chikwereti, saka kuwedzera chikwereti hakuzoshandi. Iwe uchada kuvhara zhinji yemakadhi ako ekwereti uye unobvumirana kuti usazotora zvikwereti zvitsva apo uri kubhadhara chikwereti chekare.
Zvikamu zvezasi? Zvakanaka, iwe uchabhadhara zvishoma mwedzi mumwe nomumwe, asi zvakawanda zvekuti mari ichaenda kune kukwereta chikwereti. Nharaunda yako yeruchiva inogonawo kuderedzwa kuti ibatsire nekutambira, uye iwe ungatotora kuona mari yemari inoshandurwa. Inzwi rakanyanya kunaka kuti rive rechokwadi? Pane shanduko, hongu (kwete kutaura nezvemari yaunobhadhara kune mupiki wako).
Migumisiro yekwereti: kushandisa chirongwa chekuita chikwereti kunogona kukuvadza chikwereti chako. Mubatsiri wako webasa achakurukurirana nevakweretesi, uye iwe uchazoguma ubhadhara zvishoma pane zvaunofanira kubhadhara mwedzi mumwe nomumwe. Somugumisiro, chikoro chako chikoro chingawa. Kana iwe wakanga uine chikwereti chakakwana pamberi purogiramu yekubatanidza, iwe uchacherechedza kuti hit. Kana iwe uchinge usiri kukweretwa uye uchibhadhara nguva pfupi, mhedzisiro inogona kunge yakazvininipisa.
Kusarudza Chikwereti Kubatanidza Chirongwa
Kune mabhizimisi mazhinji kunze uko anoda chaizvo kukubatsira kutarisira chikwereti.
Unoziva sei kuti ndeipi yakanaka?
Bvunza-svetuka, verenga mhinduro, uye vatsvakurudzo vekutsvakurudza. Tanga nemasangano ane mukurumbira wakasimba. Sangano reNational Foundation for Credit Counseling (NFCC) rinopa vadzidzisi mazano uye rinogadzirisa zvimwe zvido zvemasangano, uye inzvimbo yakanaka kutanga.
Yeuka kuti iwe unogona kusatomboda chirongwa chekubatanidza chikwereti: iwe unogona kuita zvimwe zvezvi iwe pachako. Panzvimbo pokubhadhara mari, iwe uchapedza nguva nesimba-asi unogona kuva nenguva yakawanda nesimba pane mari. Taura nevanhu vane chikwereti kuti uone kana pane zororo rinowanikwa. Kana iwe usina ruzivo rukuru, kana kuti iwe unoda kunyora mubatsiri ane ruzivo, taura nemunhu anopa chikwereti chikwereti.