Chii Chinonzi Subprime Chinorevei, Uye Nei Chichikosha?
Chii Chibhadharo chaPpriprime?
Chikwereti chepriprime chikwereti chinopiwa kune akakwereta ne "chinyorwa chisina kukwana".
Izwi rinouya kubva pamutambo we "prime" chikwereti kuti vatengi vanoda kushanda navo. Vanokwereta vakuru vane zvikwereti zvakakura zvezvikwereti , mitoro yakadzika midzi, uye miriwo ine hutano iyo inonyatsovhara mari yavo yaidiwa pamwedzi.
Vanhu vanozvipa chikwereti, kune rumwe rutivi, kazhinji vane zvigaro zvinoratidza kusagadzikana zvinowanzoitika :
Kwereti : Vanowanzopa chikwereti vanowanzova nekwereti yakaipa . Vangave vaine matambudziko nezvikwereti munguva yakapfuura, kana vangave vatsva kubhadhara uye vasati vasimbisa musimboti wekwereti yakasimba . Kune vanokweretesa, FICO chikwereti chikoro pasi apa 640 chinowanzosvika mumunda we subprime, asi vamwe vakagadzika bhadha pasi pe580. Zvinosuruvarisa, vateresi vane mvumo yakaipa vane zvishoma zvingasarudzwa kunze kwe subprime lenders, izvo zvinogona kuita kuti pave nemari yechikwereti .
Mwedzi unobhadhara: Zvikwereti zveApriprime zvinoda zvikwereti zvinodya chikamu chikuru chemukwereti pamwedzi wose. Vatengesi vanoverenga chikwereti chekuwana chikamu chekuwana mari kuti vaone kuti zvikwereti zvakakosha zvakadini.
Vanokwereta vanopedza mari yakawanda yemari yavo pamari yekubhadhara chikwereti vane nzvimbo shomanana yekugadzirisa mari dzisingatarisirwi kana kurasikirwa kwemari. Mune zvimwe zviitiko, zvikwereti zvitsva zvepa subprime zvinogamuchirwa apo vakweretesa vane chikwereti chikuru chekuwana mari.
Mariro: Zvikwereti zveApriprime zvinowanzokodhura nokuti vanokwereta vanoda kubhadharwa nekuda kwekutengesa.
Vatsoropodzi vanogonawo kutaura kuti vanotengesa vatengi vanoziva kuti vanogona kushandisa zvinyorwa kune vakakwereta zvakanyanya vasina zvimwe zvakawanda zvingasarudzwa. Zvinodhura zvinouya nenzira dzakasiyana-siyana, kusanganisira mari yepamusoro yekutora , kushandiswa uye kushandiswa kwemari, uye kutengesa kwekubhadhara (izvo zvisingawanzopikwi kune vanokwereta vane chikwereti chakanaka).
Zvinyorwa: Vakuru vanobhadhara vanogona kupa uchapupu hwekukwanisa kubhadhara zvikwereti. Vane zvinyorwa zvinoratidza basa rakasimba uye mubhadharo usingagumi. Vanewo mari yakawedzerwa mumabhangi nemamwe masangano emari kuitira kuti vagone kuramba vachibhadhara kana vakarasikirwa nemabasa avo. Vanotora chikwereti vanozvikwanisa havakwanisi kuita nyaya yakasimba yekuenderera mberi kwekugadzikana kwemari. Vangangove vakagadzikana mune zvemari, asi havana zvinyorwa zvakafanana. Kutungamira kusvika kumatambudziko ekubhadhara chikwereti, vatengi vanowanzobvuma kushandiswa kwekubhadhara zvikwereti zvikwereti , uye zvimwe zvezvinyorwa izvi zvine mashoko akaipa.
Dambudziko: Nyaya huru yezvikwereti zvepprime ndiyo ngozi kune vose vanobatanidzwa. Mari yechikwereti hachikwanisi kubhadharwa, saka vateresi vanowanzobhadhara zvakawanda. Izvo zvinodhura zvinodhura zvinokonzera kuti zvikwereti zvive nyore kune vakwereta zvakare. Zvakaoma kubhadhara chikwereti apo iwe unowedzera mari uye chikwereti chakanaka.
Kuti uwane mamwe mashoko pamusoro pekuti matanho anowirirana zvakananga sei nekubhadharwa kwemwedzi, ona Maverengero Okuverenga Mari .
Mhando dzeSpriprime Loans
Zvikwereti zveApriprime zvakakurumbira munguva yezvinetso zvezvemari sevadzidzisi vemunharaunda mumatare ezvinyorwa akarwisana nekubhadhara chikwereti. Asi zvikwereti zvepa subprime zvinowanikwa chero zvese. Parizvino, vateresi vangawana vashandi vemu-subprime mumisika inotevera:
- Auto zvikwereti, kusanganisira kutenga-pano-pay-pano uye chikwereti chikwereti
- Makadhi emakadhi
- Zvikwereti zvevadzidzi
- Zvikwereti zvisina kuchengetedzwa zvemunhu
Kubva pane dambudziko rekutengesa, mitemo yekuchengetedza vatengi inoita zvikwereti zveimba yepa subprime zvakaoma kuwana. Asi vekare (kutangira matambudziko) zvikwereti zvichiripo, uye vateresi vangave vachiwana nzira dzekugadzirira kubvuma zvikwereti izvo zvingasafanira kubvumirwa.
Nzira Dodge Dzakadzika Njodzi
Kana uri kuronga kukwereta-kana kana iwe uchitova muri chikwereti chepriprime-tsvaga nzira yekudzivisa zvikwereti zvinodhura.
Pasina chikwereti chakakwana, une zvisarudzo zvishomanana: Haukwanisi kutenga pakati pevamwe vanokweretesa vanokwikwidzana, uye iwe uchava nesarudzo shoma kana zvasvika pakushandisa marudzi akasiyana-siyana ezvikwereti kune zvinangwa zvakasiyana. Kunyange zvakadaro, iwe unogona kugara kure nemari yezvikwereti.
Chinokosha kuonekwa (uye chaizvoizvo kuva) risina ngozi kune vanokweretesa. Ongorora chikwereti chako nenzira imwecheteyo yavanoita, uye iwe uchaziva zvaunoda kuita usati waita chikwereti.
Shandisa chikwereti chako: Kana iwe usati watoona, chengetedza zvikwereti zvekwereti ( zvakasununguka kune vashandi vekuAmerica kuti vaone mitsara) uye tarisai chero chii chichapedza vanokweretesa. Rongedza chero zvikanganiso , uye shandisa chero kukanganisa kusinganzwisisiki kana kutadza kana zvichibvira . Zvinogona kutora nguva, asi zvinokwanisika kuvaka (kana kuvakazve) chikwereti chako uye kuva yakakosha kune vakakweretesa.
Tarisa pamari yako: Vatengesi vanofanira kuva nechivimbo chokuti iwe unokwanisa kubhadhara. Kune vanhu vazhinji, izvi zvinoreva kuti mune mari yaunowanikwa nguva dzose iyo inopfuura kuvhara yako zvishoma pamwedzi kubhadhara. Kana chikwereti chitsva (pamwe chete nechikwereti chipi zvacho chiripo) chichadya zvinopfuura 30 kubva muzana kana zvakadaro zvekuwana mari yako, ungada kubhadhara madhora aripo kana kukwereta zvishoma kuti uwane zvakanakisisa kubata.
Edza zvitsva (asi zvakakodzera) vakakweretesa: Chikwereti chinokwidza chinogona kukuvengai kwemakore, saka tengai musati maita chero chinhu. Iva nechokwadi chokuti unosanganisira vatengesi vekutsvaga mukutsvaga kwako. Vezera rekuona zvikwereti zvese zvinogona kunge zviri nyore kuti vashande nemi kupfuura mabheji emagariro uye zvikwereti zvekwereti, uye vatengi vari muIndaneti vanokweretesa kunyange vanotora chikwereti nemari yakaipa-vachiri kupa zvikwereti zvakanaka. Iva nechokwadi chekutsvakurudza chero ipi zvayo "itsva" yakweretesa yaunofunga iwe usati wabhadhara chero mari yaunofambisa kana kupa zvinyorwa zvisinganzwisisiki seNyu Social Security Number.
Deredza kunokwereta: Kana vashandi vechikwereti ndivo chete vanokweretesa vachibvumira pane zvamunoshandisa, funga kuti kana chikwereti chako chakanaka here kana kuti kwete. Zvinogona kunge zviri nani kubvarha imba kwemakore mashomanana panzvimbo yekutenga, kunyange zvazvo kune chokwadi chakanaka uye chakaipa nekumirira. Saizvozvowo, zvingava zvakanakisisa kutenga motokari isingadhuri (chero nguva yakachengetedzwa) panzvimbo yemotokari itsva.
Funga nezvemugadziri: Kana chikwereti chako uye mari yako isingakwanisi kuti uwane chikwereti chakanaka nemunhu anokwereta zvikuru (akadai sebhangi, chikwereti chekwereti , kana kuti mutengesi wepaIndaneti), funga kubvunza mubatsiri wekubatsira. Mumwe mubatsiri anoshandisa chikwereti newe uye 100 muzana ane mhosva yekubhadhara chikwereti kana iwe ukakundikana kuzviita. Somugumisiro, wako mushandi wekutora ari kutora dambudziko guru nekuisa chikwereti chavo pamutsara. Kumbira rubatsiro kubva kune munhu ane chikwereti chakasimba uye mari uye uyo anogona kukwanisa kuisa njodzi-uye haafaniri kuzvitora kana pasina munhu anoda kuzviisa pangozi.