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Zvikwereti zvekweretheni zvikwereti zvinowanzouya nezvikwereti zvakaderera uye mari, izvo zvinoreva mari shoma yakakwana yekukwereta . Zvakare, zvingava zviri nyore kugamuchirwa chikwereti pane chikwereti chebato.
Hapana anoda kutora chikwereti chisingakwanisi kubhadharwa, asi zvibvumirano zvidhinha zvishoma zvinogona kutora imwe nzira yako pachako yekuongorora chikwereti chako (pane kutora nzira yakaoma kune vose vanoita chikwereti).
Kutanga neCredit Unions
Kana usina kumbobvira uchishandisa zvikwereti zvekwereti kare, iwe ungasaziva zvakawanda pamusoro pavo, kana iwe unogona kungofunga kuti akafanana nemabhengi. Pane zvakawanda zvakafanana , asi musiyano mukuru ndehodzi: Zvikwereti zvekwereti hazvina purofiti zvinowanikwa nevatengi vavo. Zvikwereti zvizhinji zvekwereti zvinoshanda nechinangwa chekupa rubatsiro rwemari kune avo vanoita nhengo . Somugumisiro, chikwereti chehurumende yemari chikwereti inowanzobuda zvishoma zvishoma (zvichienzaniswa nehombe dzebhangi dzinoda kuramba dzichikura zvikwereti).
Kuva Nhengo
Usati wabvunza chikwereti, iwe unofanirwa kuva 'nhengo' kana kuti muridzi wega wekodhikoni umo (usanetseka, hazvisi zvakaoma sezvinonzwika).
- Nhengo dzekutsvaga: Kuti uve nhengo, iwe uchafanirwa nekusangana nedzimwe nzira. Iko kunowanzoreva kuti iwe unogovera zvimwe zvinhu nemamwe nhengo (zvakadai sokugara kwaunogara, kana yebhizimusi iwe iwe kana vemhuri yako unoshanda mazviri).
- Nzira dzakajeka mu: Hazvinei kuti ndiwe ani, kune mukanano wakanaka wekuti iwe unogona kubatana nechikwereti chekweretheni, uye iwe unogona kushamisika kuti zviri nyore sei kuti zvikwanise. Somuenzaniso, kana uchitenga motokari, unogona kuona kuti mutengesi anokwanisa kukuita iwe nhengo - pasina iwe unombofanira kushanyira imwe yematavi. Nokutenga kubva kune mutengesi uyu, unosangana (imwe ye) chikwereti chekodzero yekufanirwa.
- Kuwana chikwereti chekubatana: Kuti uwane kuti zvikwereti zvikwereti zviripi zviripo pedyo, edza National Tool Union Administration yechikwata chekutsvaga chikwereti. Kana iwe usingakwanisi kuwana chero nzvimbo yako, zvikwereti zvakawanda zvemakwereti zvinogamuchira nhengo kubva kumativi ose eUnited States.
- Kuvhura dhipatimendi: Kana wawana chikwereti chekwereti chaunofanirwa kubatanidzwa, iwe uchava nhengo kuburikidza nekuzarura kambani nekuita zviduku (kazhinji $ 25 kana zvakadaro). Mushure maizvozvi, wakagadzirira kubhadhara chikwereti.
Kushandisa Kubhadhara
Muzviitiko zvizhinji, iwe unogona kubatana nechikwereti chekwereti uye kubvunza chikwereti panguva imwe chete. Kana iwe uchitova nhengo, iwe uriko zvakanyanya mberi.
Taura nemukuru wezvikwereti kune chikwereti chenyeredzeri kuti unzwisise mhando dzezvikwereti zviripo, uye mubvunze pamusoro pezvinodiwa zvekutora chikwereti chako chakagamuchirwa.
Iyo nzira inopesana kubva kune imwe nzvimbo kuenda kune imwe nzvimbo, asi yakawanda mari yechikwata (uye imwe neimwe chikwereti) ine zvinotevera zvinotevera:
- Chikumbiro: Unoda kuzadza shanduro, iri paIndaneti kana pa pepa.
- Chiratidzo: Pamusoro pekushanda, iwe uchada kupa ruzivo rwakagadzirisa pamusoro pako, seNhare Social Security.
- Basa: Zvimwe zvikwereti zvekwereti zvinoda kuti iwe wakanga uri mubasa rimwechete kweimwe nguva yenguva (1 gore, somuenzaniso).
- Mutsva: Iwe uchada mari yekubhadhara chikwereti, uye iwe uchada kutaurira chikwereti kubatanidzwa kuti iwe unokwereta zvakadini. Kubhadhara kwako kwemwedzi pamatokari ose kuchada kuva pasi peimwe chikwereti kuti uwane mari inowanikwa .
- Equity kana kubhadhara kuripo: Kana uri kutenga imba kana motokari, iwe uchada kuita imwe yemari yekubhadhara (iyo inongova pfungwa yakanaka chero zvakadaro ). Nokuda kwekunatsiridza, iwe unoda kuenzana kwakakwana , kazhinji kuyerwa sechikwereti kukoshesa chiyero .
- Chikwereti chekwereti: Nhoroondo yekukwereta nekubhadhara chikwereti ichakubatsira kuti uwane mvumo. Chikwereti chako chikoro chinowanzoshandiswa kutonga creditworthiness.
Hapana chakakanganisika nekukumbira mumwe munhu kune chikwereti chebato pamusoro pezvidiwa izvi usati waita chikwereti. Hurukuro inokurumidza inogona kukuponesa (uye ivo) nguva. Semuenzaniso, kana iwe uchiziva chikwereti chako chikoro, tora maonero asina kurongwa pamusoro pekuti iwe kana kuti iwe unogona kukodzera here, uye kurukurai nyaya chero ipi zvayo sekutsvaga kwekupedzisira .
Kuwana Kugamuchirwa
Mushure mokunge maita basa, mukuru weimba yechikwereti achaongororazve chikumbiro chako kuti aone kana iwe wakakodzera chikwereti.
Kunyange kana iwe usina huno hwakasimba hwekubhadhara chikwereti (kana iwe wakanga uine matambudziko mashomanana munguva yakapfuura), iwe uchiri kugona kubvumirwa kune chikwereti. Kunyanya padiki, masangano emunharaunda, pane mukana wakaisvonaka wekuti iwe unogona kutaura nevashandi, ivo pachavo vanozoongorora mapepa enyu emakero uye mamiriro ako ega. Dzimwe nguva tsamba yega inogona kubatsira. Izvozvo hazvizomboitike pabhangi guru-kana chikwereti chako chikoro chakanyanyisa, hapana chaicho, uye kombiyuta ichasarudza zvose.
Ukama hwenguva refu nekweretheni bumbiro (uye kuwana kuziva vashandi) kunogona kuvandudza mikana yako kunyanya. Kana vakaona kuti iwe uri kutarisira zvikwereti zvako zvakanaka, vangangodaro vanorega kukanganisa mune zvakaitika kare.
Chikwereti chakachengetedzeka chinogona kukubatsira kuti uwane mvumo (uye ichakubatsira iwe kuvaka zvikwereti zvako zvenguva inotevera iwe unoda chikwereti). Kuti uwane chikwereti chakachengetedzwa, iwe uchatora chimwe chinhu chekutora , icho chikwereti chekweretheni chingaitora kana iwe ukakundikana kuita mari yako. Iwe haufaniri kutora imba yako, motokari, kana zvishongo - mari yakachengetwa mari yakashandisa mari munhoroondo yako kuti ikubatsire kugamuchirwa.
Mumwe mubatsiri anogonawo kukubatsira kuti uwane mvumo. A cosigner munhu anoratidza kushanda newe . Vanofanira kuva nechikwereti chakasimba kudarika iwe uye mari yakawedzerwa inowanika kuti ubhadhe chikwereti. Zvakanaka, havangamboiti mubhadharo - ndiyo chikwereti chako - asi ivo ndivo vane mhosva yeimba yechikwereti kana iwe ukarega kubhadhara. Iyo ibasa guru (uye pangozi), uye chido chakakura chokubvunza mumwe munhu.
Zvinotora Nguva Yakadini?
Kuwana chikwereti kubva kuchikwata chekwereti kunogona kukurumidza zvikuru. Zvakare, nzira yekubatanidza chikwereti chekweretheni nekuwana chikwereti chakabhadharwa chinogona kuitika apo iwe uri kugara mumotengesi yemotokari. Pane chikwereti union branch, iwe unowanzowana mhinduro nezuva rimwe chete, uye mari inogona kuwanika zuva iroro kana nguva pfupi yapfuura.
Mune zvimwe zviitiko, zvinotora nguva yakareba. Kubhadhara chikwereti vashandi vane zvakawanda zvokuita, uye havagone kupa mari kusvikira vasvika mukana wekuongorora mari dzose. Rongedza mberi, uye bvunza wakweretesa wako nguva yakareba sei unofanira kutarisira kumirira.