Zvinorevei kubatanidza? Iyo inoshanda sei
Paunosimbisa, iwe haubhadhari chikwereti chipi zvacho. Pane kudaro, iwe unoshandura chikwereti chako kune chikwereti chakasiyana. Iwe uchange uine chikwereti chakawanda sezvawakaita iwe usati wasimbiswa, asi iwe unogona kuwana zvimwe zvikwererero kubva pakabatanidza iyo zvikwereti uye uchivaendesa kune imwe nzvimbo.
Muenzaniso: ngatiti iwe uri kukwereta nezvikwereti zviviri zvemakadhi. Kadhi rimwe nerimwe rinopa 18% APR, uye iwe unokwana $ 1,500 pamakadhi ese. Kuti uwedzere chikwereti, unogona kuwana chikwereti che $ 3,000 chekubhadhara makadhi iwayo (zvakakodzera, chikwereti chako chitsva chingava nemari yakaderera inowanikwa).
Nei Tichifanira Kuwirirana?
Kungoshandura mari kumativi ose hakuiti chero chinhu. Asi kune nzira dzekusimbisa chikwereti uye kubuda mberi.
Chengetedza mari: chikonzero chakanakisisa chekusimbisa zvikwereti ndeyekuchengetedza mari, uye nzira iri nyore yekuita iyo kukwereta pachikwata chemuzasi . Marikiti yemakadhi, somuenzaniso, inowanzobhadhara mari yepamusoro yemari, zvichiita kuti zvive zvakaoma kubhadhara chikwereti chako. Kana iwe ukasimbisa muchikwereti chechikwata chakanaka, iwe uchachengetedza pane zvekutora mari. Izvozvo zvinoreva zvakawanda zvemadhora ose iwe unoisa kune chikwereti chako chichaenda kunowedzera kuderedza chikwereti chako chechikwereti (uye zvishoma zvayo zvichaputika mune zvezvikwereti mari). Pakupedzisira, izvi zvinofanira kukubatsira kubhadhara chikwereti nokukurumidza.
Ita zvishoma: kubatanidza zvikwereti zvakawanda zvebhadharo imwe chete zvinogona kuita kuti zvive nyore kuramba uri pamusoro pekubhadhara kwako. Iwe haugoni kuchengetedza chero mari chete nekutsvaga kubhadharo imwe chete, asi kana ichikubatsira kuti urege kudzivirirwa mari uye mari yapera, enda. Kutaura zvazviri, kubhadhara kwako kwemazuva ose kunogona kuve kwakakwirira mushure mekunge uchisimbisa - uye icho chinhu chakanaka.
Kubhadhara kukuru (kusanganiswa nemitengo yakaderera mitero mwedzi mumwe nomumwe) zvinoreva iwe uchabhadhara chikwereti chako nekukurumidza. Iwe haugoni kuenda chero kupi zvako kana iwe uchingoita zvishoma kubhadhara pamakadhi ako ekwereti .
Icho Chikonzero Chakanakisisa Chekubatanidza Chikwereti?
Kana iwe ukagona kuchengetedza mari uye usadzivisa kusimbisa mamwe matambudziko, kusunga chikwereti chinhu chikuru. Chinokosha ndechokuti uwane chikwereti chinonyatsoderedza zvaunoda mari. Simbira nhamba kuti uone kuti iwe uchauya mberi, uye usarega chero mari ipi zvayo:
- Nokuda kwekubhadhara chikwereti chako, edza mari yechikwereti chekubhadhara chikwata
- Ona kuti ungawana sei mari yekuda mari pamakadhi emakadhi
Kubatanidza, kufanana nezvinhu zvose muhupenyu, zvinouya nepros uye zvakashata. Chenjererai zvisingatarisirwi.
Kuwedzera mari: kana kusimbisa kunoita kuti utore nguva refu kuti ubhadhara chikwereti chako (nokuti unoda kugara uchibhadhara pamwedzi pasi, somuenzaniso), unogona kuguma uchibhadhara zvakawanda mukufarira pamusoro pehupenyu hwechikwereti chako. Zvakaoma kuti zvive zvisina kunaka nekanguva yemari yezvikwereti kwemakore matatu kana zvishoma-zvichida zvakakurumidza kupfuura iwe waizobhadhara makadhi emakadhi kana iwe ukaramba uchiita zvishoma.
Dambudziko rekutengesa: kana iwe ukatora chikwereti chakachengetedzwa nekutengesa, unoisa pangozi yekurasikirwa neimba iyoyo kana iwe usingagoni kubhadhara chikwereti sezvawakabvumirana. Somuenzaniso, kana ukashandisa chikwereti chechipiri kana HELOC , wako chikwereti anogona kutora imba yako mukutaridzika kana iwe ukarega kubhadhara.
Saizvozvowo, motokari yako inogona kudzorerwa zvakare kana iwe ukaiita sechibvumirano. Kunyanya paunenge uchitotora chikwereti chisingateteki (sekadhi rechikwereti kana chikwereti chako), zvinokuvadza kuisa imba yako kana motokari mumuganhu.
Kurasikirwa nehurumende yemari chikwereti zvikwereti: zvikwereti zvevadzidzi kubva kumapurogiramu ehurumende ane zvimwe zvinhu zvinogona kubatsira kana nguva dzichioma. Somuenzaniso, iwe unogona kurega kubhadharwa munguva yekusashaya basa kana kuti mari yekufarira inobhadharwa . Zvisinei, kana iwe ukasimbisa pamwe nemunhu anokweretesa wega, zvikamu izvi zvinoenda uye iwe haugoni kuvadzosa.
Kugunun'una pasi: mushure mekunge musimbisa, inogona kunzwa sokuti iwe wakabhadhara chikwereti (nokuti zvinyorwa zvako zvekadhi rechikwereti zvicharatidza kuenzaniswa kwezero). Zvakare, iwe wakangotamisa chikwereti chako, asi makadhi iwayo achakuedza. Kana iwe "uchizadza" makadhi iwayo, iwe uchakwereta kaviri zvakanyanya sezvauri iwe iye zvino - saka zvakakosha kuti usadzokera kumakadhi iwayo mushure mekugadzirisa.
Kubatanidza uye Kubhadhara kwako
Kubatanidza chikwereti hakufaniri kuve nechinetso chikuru chekwereti yako. Zvisinei, zvinogona kutungamirira kune imwe sangano muzvikwereti zvako.
Paunenge uchitsvaga chikwereti, wako chikwereti achatarisa chikwereti chako, zvichiguma ne " kuongorora " kurova chikwereti chako. Iyo mibvunzo inogona kuderedza zvikwereti zvako zvishoma, asi unogona kuderedza kukanganisa nokuisa zvose zvako zvekushandisa panguva imwechete (kana mukati memazuva makumi matatu).
Nokufamba kwenguva, pane mukana wekuti iwe uchaona zvikwereti zvako zvidzidzo zvichivandudza - uchifunga kuti hausi kukwereta chikwereti zvakare. Iwe uchashandura kubva (zvichida maxed out) uchikwereta chikwereti chekwereti chikwereti kuchikwereti chemari , uye kugara uchibhadhara kune zvikwereti zvinogona kuvandudza chikwereti chako.
Kuita Chikwereti Kubatanidza Mabasa
Kuti usimbise chikwereti, iwe uchada kuisa mari yechikwereti chitsva uye kushandisa mari yakabhadhara iyo chikwereti kuti ubhadhara chikwereti chiripo. Tenga pakati pevatengi vakasiyana-siyana, uye marudzi akasiyana- siyana evakweretesi, kusanganisira:
- Mabhangi (madiki mabhenji emunharaunda yako ndiyo yakanakisisa kubheji)
- Zvikwereti zvekwereti (dzidza kuti mari yemakambani inoshanda sei )
- Vashandisi vasina kubhengi paIndaneti
- Vezera rako vezera rako
Kubatana nekodzero yakanaka: kana iwe une chikwereti chakanaka, une zvakawanda zvekusarudza kwekugadzirisa. Chero chevaya vanokweretesa pamusoro apa vachakupa chikwereti chinokwikwidzana. Tarisa zvikwereti zvekare-iwe haufaniri kutsvaka "chikwereti chekukwereta" zvikwereti. Zvechokwadi zvitengesa, nokuti vamwe vanokwereta vachava nani pane vamwe.
Kubatanidza neipi yakaipa chikwereti: kana uine chikamu chiduku-kupfuura-chikwereti chakakwana, unenge uine zvishoma zvingasarudzwa, uye unofungisisa. Zvakaoma kuti zvibvumirwe, uye chikwereti chekubatanidza chikwereti chinonyanya kuzivikanwa nechisimba. Tanga nemhando dzevakweretesi dzakanyorwa pamusoro apa. Zvimwe zvinoda kuti iwe uite rubatsiro kana kuti shandisa cosigner , uye iwe unofanirwa kuongororodza zvinobudirira uye zvinopera zvemaitiro iwayo. Iwe unogonawo kumhanyira kumakambani anoshambadzira zvikwereti zvekukwereta chikwereti Zvavanonyatsopa ndeyekukweretesa chikwereti kana kukwereta zvikwereti - izvo zvisiri nguva dzose chinhu chakaipa. Tarisa zvakanyanya pane zvavanopikira, ona kana iwe uchigona kuzviita iwe pachako, uye usabhadhara mari yekubhadhara kana iwe usiri kuzowana kukosha kwemari yako.