Mushandisi ane kodzero anogamuchira kadhi rechikwereti rine zita rake pairi, uye anogona kushandisa kadhi zvakangofanana kana akange ari wekutanga mubhengi. Zvose zvinotenga mushumiri akaregererwa zvinoita kuti uende kukero rimwechete uye uone pane imwe kadhi yemakadhi echikwereti.
Mushandisi ane kodzero anorayira chikwereti chekwereti nemukuru wekambani yezvinyorwa uye kutenga kwake kunoderedza chikwereti chekwereti chinowanikwa kune vose vashandisi.
Kusiyana nesangano rakabatana , mubatsiri ane kodzero haafaniri kutora chikwereti chekwereti kuti awedzere kadhi kadhi rekwereti. Dzimwe makambani ekadhi rechikwereti anogona kutengesa mari yekuwedzera vashandisi vane kodzero. Mimwe mibairo yemakadhi emakadhi anopa bhonasi kana iwe ukawedzera musikana akagamuchirwa ku-akhawunti yako.
Kuwedzera Authorized User
Kuti uwedzere mushumiri ane kodzero, taura nekadhi kadhi rechikwereti kuburikidza nefoni kana kuti kuvhara kuakaunti yako yepaIndaneti. Kadhi mubhadharo achada ruzivo rwemunhu wese ane kodzero, kusanganisira zita ravo, kero, zuva rokuberekwa, uye nhamba yezvokuchengetedzwa kwevanhu, kugadzirisa chikumbiro.
Iyo kambani inogona kuisa muganhu pane nhamba yevashandi vane kodzero dzaunogona kuwedzera kuakaunti yako. Uye zvichida kune zvakanakisisa, sezvo vanhu vakawanda vari kushandisa mari yekuwana kadhi rako rechikwereti, zvakaoma kuchengetedza zvimhosva.
The Pros and Cons
Mushandisi akakodzera anogamuchira kodzero dzose dzekadhi rechikwereti wekambani mukuru wekambani, asi haana mhosva yepamutemo yekutenga kunoitwa paakaiti. Kana pane imwe nguva kutongwa pamusoro pematokari panhoroondo iyi, mushandisi ane kodzero haazobatanidzi, kunyange kana munhu iyeye aive nebasa rekutenga.
Nokuchengeteka, vashandi vanobvumirwa havagoni kuita mabasa ekuchengetedza kwekuita sekuwedzera vamwe vashandi vakagamuchirwa, vachigadzirisa kero paakaiti, vachikumbira kuwedzera kwemari yechikwereti, kana kutaurirana nehuwandu hwechikwereti. Vashandi vanobvumirwa vanogona kubhadhara kuri account, kunyange zvazvo vasina kudiwa.
Chikwereti Chakaitika Pakaitika
Nhoroondo yekodha yemakadhi yekwereti inogona kuratidzira pamushumo wekodzero yemushandi wemvumo, asi kana chete iyo iyo kadhi yemarikiti inopa zvikwereti inobvumira kodhi dzemakero kumashandisi emarikiti . Izvo zvakanaka kana iyo nhoroondo ine chinyorwa chenhoroondo yekubhadhara, uye yakaipa kana kubhadhara kadhi rechikwereti kune nhoroondo yekubhadhara nguva. Hapana zvimwe zvikamu zvekodzero yemunhu wekwereti ichaonekwa kune mumwe munhu anogamuchirwa kana kuti nhoroondo yekwereti yekwereti yekwereti.
Kana kambani yevashandi yakagamuchirwa isingaratidzi pamushumo wekwereti yako, pane mukanano wakanaka wokuti kadhi rechikwereti, semutemo, haasati apindura maakarenda emubhadhiro akakodzera kumahofisi emarikiti. Kungoidza nokukurumidza kubasa romuchengetesi wemakadhi kunogona kukuudza iwe kana iwe unogona kutarisira kuti mvumo yevashandi yakagamuchirwa inoratidze munhoroondo yako yechikwereti uye mahofisi emahofisi.
Mushure mokunge subprime mortgage crisis ye 2007 , kuverenga kweFICO maitiro kwakarongedzwa kuti ipe huwandu hushoma kumakambani ehurumende akashandiswa zvakakwana, uyewo kusabvisa kodzero dzevashandi vane kodzero dzakawedzerwa nokuda kwekubatsirwa chete kwekukweretesa chikwereti.
Somuenzaniso, kana munhu achibhadhara basa rekugadzirisa chikwereti mari yekubhadhara makambani evashandisi, zvikwata zveFICO hazvizofungi iyo iyo yekuverenga chikoro chekwereti.
Kubvisa Vashandi
Kurambidza ukama hwevashandi vakagamuchirwa kunenge nyore nyore sekutanga. Kungoshevedza kadhi rechikwereti kana kuti gwaro rekukweretesa kumakambani ekutanga wekambani yekambani uye kukumbira kubvisa vashandi vakagamuchirwa. Kadhi kadhi rechikwereti richashandurwa uye havachazokwanisi kutenga.