Chikonzero Nei Waida Chikwereti
Kana iwe usina chikwereti chekwereti, hapana anoziva kana iwe usina kubhadhara zvikwereti munguva yakapfuura, uye vanokweretesa vanowanzove vasinganetseki pamusoro pokukweretesa kune vashandi vatsva (kana avo vakawira munguva dzakaoma munguva pfupi).
Chikwereti chakanaka chinogona kubatsira munzvimbo dzakawanda.
Kukwereta: Kushandiswa kwakanyanya kune chikwereti chikwereti chinogamuchirwa. Paunenge uchitsvaga chikwereti, vateresi vanonyanya kutarisa chikwereti chenyu chekukwereta uye mari yako inowanika kuti udzorere chikwereti . Kana uri mukoti ane ruzivo ane nhoroondo yakasimba yekubhadhara pane nguva, zviri nyore kuti ugamuchire. Nokufamba kwenguva, unogona kugamuchirwa nezvikwereti zvakakura zvikuru , kusanganisira zvikwereti zvemusha.
Kubhadhara: Zvakanaka chikwereti chinogona kukubatsira kana uchikwereta imba kana imba. Varidzi venyika havazivi iwe, saka vanoshandisa chikoro chikoro senzira yekukuongorora iwe semuvakidzani. Iyi haisi nguva dzose yakarurama, asi vamwe vatenzi vanoisa rutendo hwakawanda mune zvikoro izvi, saka iwe uri nani pamwe nekodzero yakanaka (kana kuti kushayikwa kwezvinhu zvisina kunaka munhoroondo yako yechikwereti). Vamwe vashandi venyika vanoshandisa zvikoro zvakasiyana-siyana vanotarisa zvinopfuura kungoita chikwereti chenyu uye zvinyorwa zvevanhu zvinowanikwa muzvikwereti zvakaenzana zvikwereti .
Kushandisa mabasa: Chikwereti chinogona kukanganisawo kukwanisa kwako kuwana basa. Kune nzvimbo dzakawanda, chikwereti chako hachisi nyaya. Asi kana iwe uchida kubata mari kana kushanda pamapurogiramu akachengeteka, chikwereti chakaipa chinogona kukuvadza mukana wako wekutambira.
Inishuwarenzi zvikwata: Paunotenga auto inshuwarisi, chikwereti chako chinogona kuchinja kukwanisa kwako kutenga uye nemari yaunobhadhara.
Sezvokubvarura, hapana kuenzanirana pakati pekwereti yako nekufamba kwako kwekutyaira, asi zvikwata zve inshuwarisi ndezvechokwadi .
Ndivanaani Vanofanira Kuwedzera Chikwereti?
Kuti urarame munyika yezuva ranhasi, unoda chikwereti. Zvechokwadi, unogona kurarama usina chikwereti chekwereti, asi zvimwe zvinhu zvichava zvakaoma , uye kana ukashandura pfungwa yako rimwe zuva, unofanira kutanga kubva pakutanga. Hapana chikonzero chokukwereta zvisina kuchenjera kana kubhadhara chido chakanyanya kupfuura iwe unoda - chikwereti uye kukwereta zvese zvishandiso zvaunogona kushandisa kana zvakakodzera.
Kwete nhoroondo: Kana usina kumbobhadhara chikwereti, kana mari yako yekare yausina kubhadhara neyema matatu makuru makuru emakambani ekupa zvikwereti, iwe unoda kugadzira chikwereti chekwereti. Izvi zvingave zvakadaro kana:
- Iwe hauna kumbobhadhara kare (kana uri muduku kana iwe wakangorega chikwereti).
- Iwe uchangobva kusvika kuUnited States.
Zvinhu zvisina kunaka munhoroondo yako: Kana wakakwereta munguva yakapfuura - asi wakarasikirwa zvikwereti kana kunyange usina kukweretwa kune zvikwereti - unogona kuvandudza chikwereti chako uchishandisa nzira imwechete iyo mumwe munhu ari kutanga. Kuunganidza mabhuku, kufanirwa, uye kukanganisa zvese zvinogona kukundwa. Chinokosha ndechokutanga kutanga kuvaka uye kuwedzera zvinhu zvakanaka izvo zvinopedzisa kupfuura izvo zvinhu zvisina kunaka.
Nzira Yokuvaka Nheyo
Kuti ugadzire nhoroondo yechikwereti iyo ichave yakakosha kune vakakweretesa nevamwe, iwe uchada kukwereta mari uye uite zvose zvaunobhadhara panguva. Ndizvo zviri nyore, asi hazvisi nyore nyore. Iwe unogona zvechokwadi kuona kuvandudzwa kwenguva shoma, asi kuchinja kukuru kunotora nguva.
Aya mazano ari pasi apa achakubatsira kuti uwane nguva shoma shoma uye ugadzire chinyorwa chakasimba chekwereti chichakushandira iwe hupenyu hwako hwose. Iwe haufaniri kutungamira kuburikidza neizvi nenzira, asi nzira dziri nyore pane dzakanyorwa pakutanga, kunyanya kana iwe uri woga (pasina vabereki kana vamwe vachikubatsira). Zvichienderana nezvidikanwi zvako uye zvinhu zvako, zvimwe zvezviisarudzo zvingasave zvakanaka.
Chero chero nzira yaunoshandisa, zvakakosha kuti wako chikwereti anounza basa rako kune zvitatu zvikuru zvikwereti zvemari .
Kana vasingakwanisi, haugoni kuwedzera chikwereti chako. Kumbira murikwereti wako kana vachikwereta kune chikwereti chemarikiti vasati vatora chikwereti, uye chengetedza nekuongorora zvikwereti zvekwereti mushure memazuva makumi matatu.
Mari-yakachengetwa zvikwereti: Chimwe chezvikwereti zviri nyore kuti ukwanise kuwana chikwereti chawakatobhadhara. Nekwereti yakachengetedza mari , iwe unokwereta nemari yaunayo mubhuku rekuchengetedza kana cheti chekuisa (CD) kubhangi rako kana chikwereti chebato. Somugumisiro, uyo anokweretesa anotora ngozi shomanana - vanogona kungotora mari kana iwe ukakundikana kubhadhara-uye zviri nyore kugamuchirwa. Somuenzaniso, unogona kuisa $ 500 kubhangi rako, uye iwe unogona kutenga chikwereti $ 500. Iwe unogona kuita zvishoma pamwedzi kubhadhara chikwereti, uye nokufamba kwenguva chikwereti chako chaizovandudza. Izvi zvikwereti zvinoshandiswa nemazita akasiyana-siyana, kusanganisira zvikwereti zvekukweretesa chikwereti.
Akachengetedza makadhi emakwereti: Kusiyana kwemari-yakachengetwa zvikwereti, kadhi rekwereti rakachengetwa rinokubvumira kubhadhara mari yawakachengetedza nemutengi. Misiyano ndeyokuti iwe uchawana kadhi rekubhadhara plastiki raunogona kushandisa mu-munhu kana pakutenga kwekutenga. Iwe unogonawo kuchengetedza chikwereti chako chezvikwereti pa zero (haufaniri kuchengetedza chikero pamakadhi), iyo inobatsira kuderedza mari yekufarira. Cherechedza kuti kadhi rechikwereti rakachengetwa haisi chinhu chakafanana nekadhi rakabhadharwa kare .
Rubatsiro kubva kumubatsiri: A cosigner mumwe munhu anoratidza chikwereti chako chekubhadhara chikwereti newe uye anokubatsira kuti uwane mvumo. Mutevedzeri anofanira kunge ane chikwereti chakanaka uye mari yakakwana yekukweretesa chikwereti nokuti ivo chaizvoizvo ndivo vanobvumirwa (kunyange mhiko inowanikwa ichaenda kwauri). Kana mumwe munhu akada kukuitira izvi, chikwereti ichocho chichakubatsira iwe kugadzira chikwereti chero bedzi iwe uchiita mari yose panguva. Cosigning ishamwari huru, uye ine ngozi. Kana iwe ukakundikana kubhadhara, muchengeti wezana ari 100 muzana ane mhosva yekubhadhara chikwereti, kunyange uine mari yose.
Mushandisi wemvumo: Kana mumwe munhu atova nekwereti yekwereti yakazaruka, vanogona kuwedzera iwe semushandisi akakodzera. Iwe unogona kuwana kadhi yakadhindwa muzita rako, uye iwe unogona kushandisa kadhi yekutenga. Zvisinei, iwe hauna mhosva yekubhadhara chikwereti.
Vateresi mapurogiramu: Panzvimbo yekubhadhara zvakananga kubva kumabhangi nemakambani emakwereti, unogona kukwereta kuburikidza nevatengesi, vanobhadhara mari yemari nemakambani emari kana mabhangi. Iwe zvichida wakaona kugovera kutenga zvigadzirwa pamagadziro emwedzi wekubhadhara kana " zvakaenzana nemari ," uye zvirongwa izvi zvinogona kukubatsira iwe kuvaka chitupa. Izvo zvinoenda kune makadhi akabudiswa nezvitoro uye magetsi. Zvinogona kunge zviri nyore kukodzera kune zvikwereti zvekwereti, asi iwe unofanirwa kuve nechokwadi chokuti basa rekukwereta richazoonekwa kune zvikwereti zvekwereti. Ingova nechokwadi chekubhadhara zviyero zvako nokukurumidza. Usabatwa mumusungo wokubhadhara mari shoma kana iwe unopedzisa kubhadhara zvimwe zvezvose zvaunotenga.
Zvikwereti zvako: Unogonawo kungoshandisa "signature" kana zvikwereti zvako pabhangi rako kana chikwereti chebato . Kushandisa chikwereti chisina kuchengetedzwa kunokubatsira kuti uende kunze kwekadhi yemakwereti uye zvikwereti kubva kune vatengesi. Panzvimbo yekubhadhara sezvaunenge uchibhadhara, iwe uchatora mwedzi wose kubhadhara (izvo zvikwereti zvekubhadhara zvikwereti zvinoda kuona). Nechikwereti chisina kuchengeteka, iwe hauna kutora chero chinhu sechibvumirano , saka uyo anopa chikwereti anotora ngozi yakawanda uye anokwereta mari yepamusoro yemari.
Mazano Okuvaka Chikwereti
Chengetedza chikwereti chako: Iva nechokwadi chokuti zvikwereti zvako zvekwereti hazvina zvaunokanganisa zvingaisa pasi mako chikoro chako. Kunyanya kana iwe uine chikwereti chiduku kana iwe uchidzoka kubva kune rimwe dombo rakapfuura, zvikanganiso zvinokudzivirira kuti urege kuwana zvikoro zvaunofanirwa nazvo. Gadzirisa zvikanganiso izvi kuitira kuti mumwe munhu akanganise haakudzivisi kuti uwane chikwereti chaunokodzera. Hurumende yeUnited States inoda kuti zvikwereti zvekwereti zvipe hurukuro yemari yechikwereti kwauri iwe gore negore, uye iwe unofanirwa kushandisa zvakanaka izvozvi .
Gara uchibhadhara nenguva: Chimwe chezvikamu zvakakosha zvekwereti yako chikoro ndeyekubhadhara kwako. Kana iwe uchibhadhara pane nguva, chikwereti chako chichavandudza. Kubhadhara kwekukweretesa pamabhadharo kuchakudzivirira kuti urege kufambira mberi, uye zvichida zviri nani kutsika chikwereti zvachose kunze kwekuti iwe uine chivimbo pamusoro pokubhadhara.
Zvigadzirire iwe kuti ubudirire: Iva nemari yakagadzirirwa kuchengetedza kuti iwe uchazobhadhara iwe uye ugovawana panguva.
- Vhura maakaunti ekutarisa uye ekuchengetedza kana iwe usati wava nawo, uye dzidza kuti ungashandisa sei mubhadharo yemari yepaIndaneti .
- Kunzwisisa mari yako uye mari yako, uye gadzira bhajeti kuitira kuti iwe urambe uri munzira.
- Shandisa mari yako chekuongorora nguva dzose kuti udzivise kushamisika kusingafadzi.
Borrow mukuenzanisa: Kune zvikonzero zvakawanda zvekukwereta zvishoma kudarika vatengi vako vachikubvumira.
- Credit utilization. Chikoro chenhamba chinotarisa kuti uri kutora chikwereti zvakadini kana uchienzaniswa nehuwandu hunobvumirwa kubhadhara (yako yakawanda chikwereti miganhu, somuenzaniso). Kana iwe ukashandisa chikamu chezana chekwereti yako iripo - pasi pe30 muzana kana zvakadaro-iwe hausimudze miregi mitsvuku yakawanda. Asi kana iwe ukagara uchikwanisa kubhadhara zvikwereti zvekwereti, zvinogona kutarisa kunge uri kutambura mune zvemari, uye chikwereti chako chingaregerera. Kunyange kana iwe uchibhadhara kadhi rako rechikwereti mwedzi mumwe nomumwe, kutarisa chikamu chinogona kuva chinetso.
- Kukwereta mari. Iwe unobhadhara chikwereti uye zvimwe zvikwereti zvemari kana iwe ukwereta, saka iwe unobhadhara zvakakwana zvinhu zvaunotenga pachikwereti. Mune zvimwe zviitiko, iwe uchabhadhara zvakawanda mukufarira kudarika zvawakaita pane chimwe chinhu chawakatenga. Kukwereta kunogona kuve nekunzwisisa paunounza kuwedzerwa kwenguva refu muhupenyu hwako kana mamiriro ako emari, asi kukwereta "kuda" kune ngozi kune yako mari.
Dzorerai zvikwereti zvenyu: Sezvaunovaka chikwereti, shandisa zvikwereti zvakasiyana-siyana. Kubhadhara zvikwereti zvinowanzopa mubayiro wekubhadhara zvikwereti zvakasiyana-siyana, zvinosanganisira kubhadhara chikwereti (makadhi emakwereti), zvikwereti zvemari, mari yemari, uye chikwereti chemudzidzi. Usatora chikwereti zvisina kufanira, asi shandisa nzira yakakodzera ye chikwereti apo kukwereta kunonzwisisika.