Chii Chinonzi Collateral uye Chinoshanda Sei?
Kana iwe uchinge waita rubatso, uyo anopa chikwereti anotora njodzi shoma, zvinoreva kuti iwe unowanzoita mari yakawanda.
Kushandiswa Kwakaitwa Sei
Dhaka inowanzodiwa apo uyo anokweretesa anoda chivimbo chokuti haazoregi mari yavo yose. Kana iwe uchinge watora mari yako sechibvumirano, wako chikwereti ane kodzero yekuita chimwe chinhu (achifunga kuti iwe unobva urega kubhadhara chikwereti): vanotora nhaka yekutengesa, kutengesa, uye kushandisa mari yekutengesa kubhadhara chikwereti.
Kusiyanisa chikwereti chakachengetedzwa nekweretesa chisina kuchengeteka , uko wose mutero angakwanisa kuita ndeyekutora chikwereti chako kana kutora mhaka yepamutemo pamusoro pako.
Vatengesi vangada, kupfuura zvimwe zvose, kuti vadzorere mari yavo zvakare. Havadi kuunza chiito chepamutemo pamusoro pako, saka vanoedza kushandiswa sekuchengeteka. Havadi kutarisana nekutora kwako (havasi mune bhizinesi rekugara, kubhadhara, uye kutengesa dzimba), asi iyo ndiyo inowanzoita nzira yakadzivirirwa yekudzivirira.
Types of Collateral
Chero chipi nechipi icho chikwereti chako chinogamuchira sechibvumirano (uye chinotenderwa nemutemo) chinogona kushanda sechisimbiso.
Muzhinji, vateresi vanosarudza zvinhu izvo zviri nyore kutarisa uye zvinoshandiswa kuva mari. Semuenzaniso, mari munhoroondo yekuchengetedza yakaisvonaka yekutengesa: vateresi vanoziva kuti zvakakosha zvakadini, uye zviri nyore kuunganidza. Dzimwe nzira dzakawanda dzekubatana dzinosanganisira:
- Motokari
- Real estate (kusanganisira kuwanika mumba mako )
- Cash account (mabhadharo ekurega mari kazhinji haafaniri kukodzera, kunyange zvazvo pane nguva dzose zvisiri izvo)
- Mashini nemichina
- Investments
- Inishuwarenzi mitemo
- Valuables uye colletibles
- Ramangwana kubhadhara kubva kune vatengi (zvinowanikwa)
Kunyangwe iwe uri kuwana chikwereti chemabhizimisi, unogona kutora mari yako (semhuri yako yemhuri) sechikamu chechigadziro chako pachako .
Cherechedza kuti mabhuku ekurega mari akadai seIRAs havawanzobvumirwi kushanda sechisimbiso.
Kukoshesa Asset yako
Muzhinji, uyo anokweretesa achakupa zvishoma kudarika kukosha kwemari yako yakagadziriswa. Zvimwe zvinhu zvinogona kunge zvakaderedzwa zvikuru. Semuenzaniso, anokweretesa angangotarisa 50% yehuwandu hwekutsvaga mari yako kweruzhinji. Nenzira iyo, vanovandudza mikana yavo yekuwana mari yavo zvakare kana zvikwereti zvichishaya kukosha.
Paunokumbira chikwereti, vateresi vanowanzodzokorora chikwereti chinogamuchirwa kuti chikoshese chiyero (LTV). Somuenzaniso, kana ukwereta imba yako, vateresi vangabvumira LTV kusvika ku80%. Kana imba yako yakakodzera $ 100,000, unogona kukwereta kusvika ku $ 80,000.
Kana zvipikirwa zvako zvakarasikirwa nehuwandu kune chero chikonzero, iwe unogona kutora zvimwe zvekushandisa kuti uchengetedze chikwereti chekubhadhara panzvimbo. Saizvozvowo, iwe uri kutarisira chikwereti chakazara chemari yako yako, kunyange kana bhanhire rinotora zvinhu zvako uye richivatengesa zvishoma kudarika chikwereti chaunokwereta. Bhengi inogona kutora matanho emutemo pamusoro pako kuti uwane chero kushayikwa (iyo mari yaisina kubhadharwa).
Mhando dzeMari
Iwe unogona kuwana chikwereti chezvikwereti munzvimbo dzakasiyana-siyana. Iyo inowanzoshandiswa kune zvikwereti zvebhizimisi uyewo zvikwereti zvemunhu. Mabhizimisi matsva akawanda, nokuti havana ruvara rurefu rwekushanda pane purogiramu, vanofanirwa kutora rubatso ( kusanganisira zvinhu zvega zviri zvevanamabhizimisi ).
Mune zvimwe zviitiko, iwe unotora chikwereti, utenge chimwe chinhu, uye uchitora icho sechibvumirano zvose panguva imwe chete. Semuenzaniso, mu-premium-finced inshuwarisi yehupenyu huripo, muteresi nemubhizimisi vanowanzoshanda pamwe chete kuti vape mutemo uye mari yechikwereti panguva imwe chete.
Imba yekubhadhara mari iripo yakafanana: imba inochengetedza chikwereti, uye uyo anokweretesa anogona kutarisa pamba kana iwe usingatsiri. Kunyangwe iwe uri kukwereta kugadzirisa-uye-flip mirairo , vateresi vanoda kushandisa mari yako yekuita sehutete.
Kana ukwereta misha yekufambisa kana yakagadzirwa , rudzi rwechikwereti runowanikwa huchaenderana nezera remusha, nheyo yeheyo, nezvimwe zvinhu.
Kunewo zvimwe zvikwereti zvinokweretesa kune vanhu vane chikwereti chakaipa. Izvi zvikwereti zvinowanzokodha uye zvinofanira kungoshandiswa sekupedzisira. Dzinofamba nemazita akasiyana-siyana, akadai semari yemitero yemotokari , uye kazhinji inosanganisira kushandisa motokari yako sechisimbiso. Chenjererai nemari iyi: kana ukakundikana kubhadhara, wako chikwereti anogona kutora motokari ndokuitengesa - kazhinji asingakuziyi mberi kwenguva.
Borrowing Without Collateral
Kana ukasada kutora chibvumirano, iwe uchada kutsvaga chikwereti chinoda kupa mari zvichienderana nesayina yako (kana chimwe chinesi cheumwe munhu). Zvimwe zvezvisarudzo zvinosanganisira:
- Zvikwereti zvisina kuchengetedzwa zvakadai sezvikwereti zvemari uye makadhi emari
- Mari yechikwereti (inosanganisira peer kune peer chikwereti) inowanzochengetedza zvikwereti zvinokwana zvikwereti
- Kuwana mutevedzeri kuti akwereke chikwereti newe - kuisa chikwereti chavo pangozi
Mune dzimwe nguva, kufanana nekutenga imba, kukwereta usingashandisi chinhu sechibvumirano zvimwe hazvibviri (kunze kwekuti iwe uine mukana wakaenzana mumba). Mune dzimwe mamiriro ezvinhu, zvinogona kuva sarudzo yekuita pasina kubhadhara, asi iwe uchange uine zvisarudzo shoma uye iwe unofanirwa kubhadhara mutengo wakakwirira kubhadhara.