Mhuri Equity Lines Credit
Mutsara wakawanda wekwereti kune vatengi ndiyo imba yekuenzanisa chikwereti chekwereti (HELOC). Nekodzero iyi, chikwereti chenyu chekugara (ndiko kuti, kukosha kweimba yako yaunenge iwe "iwe pachako") inoshumira semari.
Izvo zvikwereti zvinozivikanwa nokuti zvinokubvumira kubhadhara zviyero zvakakura pamadhora mashoma (kana achienzaniswa nemakadhi emakwereti kana zvikwereti zvisina kuchengetedzwa ).
Nei chikamu chechibereko chiri pasi? Mabhangi ngaaone kuti zvikwereti izvi zvive zvakachengeteka nokuti vanofunga kuti iwe uchadzorera mutsara wechikwereti kuti urege kurasikirwa neimba yako mukufananidzwa . Chikwereti chako chechikwereti chichagadziriswa, chikamu, nechikwereti chako kuti uone kukosha , zvikwereti zvako zvekwereti , nemari yako.
Mutsara weChikwereti vs Home Equity Mikopo:
Dzimwe nguva zvinobatsira kuenzanisa uye kusiyanisa zvakasiyana siyana zvezvikwereti. AHAKO yakafanana nemari yemari yakakwana , asi pane zvimwe zvakasiyana-siyana.
Kazhinji, HELOC inonyanya kugadziriswa kudarika chikwereti chekuwana chikwereti. Iwe unongokwereta izvo zvaunoda, uye iwe unogona kudzoka zvakare nemari yakawanda kana uchida (chero bedzi iwe uchigara pasi pekukwereta kwako chikwereti , uye chero bedzi iwe chikwereti chako hachibvumiri chikwereti chako chechikwereti zvisatarisirwe).
Iwe unogona kushandisa bhokisi kana chekadhi yekubhadhara kuti uwane ruzivo rwekwereti.
Nekwereti yemari yekuenzanisa kana " yechipiri chikwereti ," iwe unozviita zvose mune imwe furo. Iwe uchawana chikamu chikuru chemari yemari muchikwereti chimwe chete, uye iwe unofanirwa kubhadhara chikwereti pane chikwereti chose chemari. Uine HELOC, kune rumwe rutivi, iwe unongoita chikwereti pane chero chikwereti chakakosha chekwereti.
Kazhinji zvikwereti zvako zvemwedzi zvicharamba zvakafanana mwedzi mumwe nomumwe neimba yekubhadhara chikwereti, uye iwe uchava nechikwereti chekutora (kana kuti chinongochinja nguva nenguva). AHAKO achava nejairo yakasiyana-siyana inogona kuchinja kakawanda, saka mari yepamwedzi inogona kusiyana.
Credit Card Mitsara yeKwereti
Zvakare, mutsara wechikwereti unogona kufanana chaizvo nekadhi rechikwereti. Zvechokwadi, kadhi rako rechikwereti rinowanikwa mutsetse wechikwereti: iwe unokwereta kune chikamu chikuru, uye iwe unogona kudzorera nekudzorerazve kazhinji.
Dhora uye Kudzorera Nguva dzekudzorera:
Nheyo yako yechikwereti ichave nenguva yekuzorora uye nguva yekubhadhara . Munguva yemauto, iwe unokwereta mari uye unoshandisa mutsara wako wechikwereti. Izvi zvinogona kupera kwemakore 10 kana zvakadaro, uye zvinotarisa uye zvinonzwa zvakafanana nekodha kadhi rechikwereti. Penguva yekubhadhara, iwe unotsiva mukuru uye chikwereti pane chikwereti (ona How Amortization Works ).
Kuvhara Mari
Kufanana nezvikwereti zvizhinji, mitsara yechikwereti ine mari yekuvhara . Chikonzero ichi paunenge uchiita zvisarudzo zvako kune vanokweretesa nemhando dzezvikwereti.
Overdraft Line Credit
Imwe mhando yemutsara wechikwereti ndeyekodzero yekuwedzerwa kwekwereti , inowanika muongororo yako yekuongorora . Iro mutsara wechikwereti unobhadhara chikwereti chiduku apo iwe unopedza zvakawanda kupfuura zvaunenge uchiwana pakuongorora, uye kazhinji hazvibhadhari kudarika kuwedzerwa kwebhadhiro (uchifunga kuti iwe unongodzokorodzwa nemamwe mabhati).