Basics of Unsecured Personal Loans
Kana chikwereti chisina kuchengeteka, hapana chivako kana mari yekuchengetedza "kuchengetedza" kana kuvimbisa chikwereti. Somuenzaniso, chikwereti chekutenga chikwereti chinogadziriswa neimba - kana iwe usingatsivi chikwereti, wako chikwereti ane kodzero yekutengesa imba yako uye kuunganidza zvaunokweretesa kubva pane zvekutengesa.
Nezvikwereti zvisingaverengeki, hapana chaicho chave chakapiwa sechibvumirano. Izvi zvinoita kuti vasave nengozi shoma kune iwe (uyo anenge akwereta) nokuti migumisiro yacho haisi pakarepo kana iwe ukakundikana kuripa.
Vatengesi, kune rumwe rutivi, vanotora njodzi yakawanda nemari isina kubhadharwa yevanhu. Havana chero pfuma yekutengesa kana zvinhu zvichienda zvakashata, asi zvechokwadi, vane zvimwe zvingasarudzwa zvinoti kana vachida kutsvaka kutsiva (vanogona kutora mhaka yepamutemo pamusoro pako uye kuedza kuronga mubairo wako , somuenzaniso). Nokuti vanokweretesa vanotora ngozi yakawanda, vanowanzopa mari yepamusoro yezvikwereti zvezvikwereti zvisina kuchengetedzwa kupfuura zvavanoita nokuda kwezvikwereti zvakachengetedzwa.
Chikwereti chako ndechimwe chezvinhu zvinonyanya kukosha zvinogadza kana kuti kwete iwe uchawana chikwereti chisina kuchengetedzwa. Kana uine chikwereti chakanaka, iwe uchabhadhara chikwereti chechibereko chepasi uye iwe uchange uine mamwe mazano anowanikwa kwauri. Nechikwereti chakaipa, iwe haugoni kuva sechisarudzo, uye iwe unogona kubvumirana nemubatanidzwa kuti uwane mvumo kune chikwereti.
Mhando dzeZvimbiso Zvisina Kudzivirirwa
Kune marudzi akawanda evanhu vasina kuchengetedzwa, uye mumwe nomumwe anouya ne tradeoffs. Edza kusarudza chikwereti chinonyatsosangana nezvido zvako nekuderedza mari.
Chikwangwani zvikwereti ndiyo iyo inonyanya kukosha yezvikwereti zvisina kuchengetedzwa. Sezvinorehwa nezita, hazvisi izvo chete asi chiratidzo chako - chivimbiso chako chekubhadhara.
Izvi zvikwereti zvinowanika pamabhangi uye zvikwereti zvemari , uye iwe unogona kushandisa mari yezvose zvaunoda. Zvinowanzoita zvikwereti zvinokonzera mari nguva refu, saka iwe unokwereta kamwechete uye unobhadhara mubhadharo wekugadzirisa mwedzi wose kusvikira chikwereti chabhadharwa. Izvo zvikwereti isarudzo yakanaka kana iwe uine chikwereti chakanaka nekuti kazhinji anouya nechirwere chechibhadharo. Chikwangwani zvikwereti zvinogonawo kukubatsira iwe kuvaka gorosi kuitira kuti kukwereta kuri nyore uye kudhura kudhura munguva yemberi. Kuti uwane chikwangwani chemari, taurira bhandi rako kuti unoda kukwereta mari uchishandisa chikwereti chako.
Marikiti yemakadhi ndiyo imwe nzira inowanzokwereta yokukwereta. Paunoshandisa kadhi rechikwereti, une dziva yemari iripo. Iwe hauna kuwana bundu-chikamu pakutanga kwechikwereti, sezvaunoita nechinangwa chechikwereti. Pane kudaro, iwe unokwereta chero chaunoda chero nguva iwe uchichida . Kana uchida mari yakawanda munguva inotevera, unogona kutengesa zvakawanda kune kadhi rechikwereti (kusvika kune chikwereti chako). Makadhi emakadhi anozivikanwa nokuti anokwereta nyore: kana wabvumirwa, unogona kukwereta zvishoma nenguva. Zvinosuruvarisa, chikwereti chaunokwereta chaunobhadhara pamakadhi emakwereti kazhinji chakakwirira. Hungu, unogona kuwana "teaser rate" uye kukwereta pa 0% kwekanguva, asi iyo mitengo inoguma nguva dzose.
Zviri nyore kupinda mumatambudziko nemakadhi emakadhi - iwe unogona kupedza nokukurumidza kubhadhara mazana emadhora pamwedzi mune zvekutora mari.
Kuti uwane chikwereti chekadhi rechikwereti, chengetedza mail yako (bhokisi rako remasuo rinogona kuzadza zvipo kana une chikwereti chakanaka) kana kutsvaga maitirwo epaIndaneti.
Zvikwereti zvevadzidzi zvikwereti zvisina kuchengetedzwa zvakagadzirirwa zvekubhadhara mari. Kana iwe uri mudzidzi, ivo vanowanzova sarudzo yakanaka yekutanga nokuti zvikwereti zvevadzidzi zvine zvinhu zvisingakwanisi kuwana kune imwe nzvimbo: sarudzo dzekubhadhara dzakakwana, nguva dzenyasha , rubatsiro rwekubatsira, nezvimwe. Nezvikwereti, hazvina basa kana uine chikwereti chakanaka. Chigadziro bedzi nevadzidzi vechikwereti ndeyekuti unofanira kuva mudzidzi.
Kuti uwane chikwereti chemudzidzi , shanyira Financial Aid ofisi yako kuchikoro. Vachakutungamirira kuburikidza nekugadzirisa (pane zvakawanda zvepa pepa rinobatanidzwa) uye kukubatsira kuti uite chisarudzo chekuita.
Vezera rekuona zvikwereti zvinoita kuti iwe uite chikwereti kubva kuvanhu, kunze kwekubhadhara kubva kune chikwereti chetsika sebhagheni. Mawebhusayithi akawanda anokubvumira kutumira chikumbiro chekukweretesa paIndaneti, uye vanhu vanogona kana kuti vasapindira uye vanobhadhara chikwereti chako. Izvi zvikwereti, sezvikwereti zvesayinini, zvinowanzogadziriswa-mubhadharo wechikwereti, uye vane kukwikwidzana kwemari yemari. Vanokubvumirawo kuti uite chikwereti chakanaka chekuchinja. Zvisinei, chikwereti chako chinoramba chiri nyaya mumatambudziko mazhinji.
Kuti uwane wezera rako kune chikwereti chezera rako, shanyira imwe yeP2P inowanikwa zvikwereti. Prosper.com ( kudzokorora ) uye Lending Club ndiyo nzvimbo dzakanaka dzokutanga
Kana Iwe Wakave Uine Chikwereti Chakaipa
Hazvibviri kuwana chikwereti chisina kuchengeteka kana une chikwereti chakaipa , asi zvakaoma. Iwe une zvisarudzo zvishomanana uye iwe unofanirwa kubhadhara kupfuura munhu akwereta nekwereti yakanaka. Kana uri nenguva yakaoma kukukwereta, dzidza nezvekuwana chikwereti chisina kuchengetedzwa nechakaipa chikwereti . Kana zvichikwanisika, zvibvumira kubhadhara kusvikira iwe wakagadzira chikwereti chako kusvika apo iwe unogona kuwana zvikwereti pamagariro akanaka.
Zvakanakisisa kusimbisa chikwereti chako nekukwereta uye kubhadhara zvikwereti - kunyange zvikwereti zviduku zvinogona kuita mutsauko. Kana chikwereti chako chakashata, shingairira zvekuvaka zvakare. Edza chikwereti chiduku chakachengetwa nemari mubhangi kuti uwedzere.