Chimwe chinogona kugadziriswa chikwereti chevadzidzi chekugadzirisa .
Asi sezvo izvozvo zvingabatsira vabhadhara vechikwereti vechikoro kuchengetedza mari muchibereko, zvinonyanya kuipa kune vashandi vechikwereti vanokwereta.
Chii Chinonzi Chikwereti Chevadzidzi Refinancing?
Iwe unogona kunge wakanzwa kuti iwe unogona kuchengetedza mari kuburikidza nekugadzirisa bhaari yako yemari kana chikwereti chako. Zvakanaka, iwe unogona kugadzirisa nekusimbisa zvikwereti zvako zvevadzidzi, zvakare, zvichikubvumira kuchengetedza mari kune chikwereti uye kubhadhara zvikwereti zvinogona kukwanisika. Uye nokuveura ndezvikamu zvishomanana zvemazana, iwe unogona kuchengetedza zviuru zvemadhora uye kubva pane chikwereti nokukurumidza. Inzwi inofadza, zvakanaka?
Nepo kune mari yekuchengetedza mari, inogona kuva inotyisa kuenda kune vehurumende yevakweretesa vane chikwereti kunyanya.
Migumisiro yeRudzikinuro rweGwaro reVadzidzi veDare
Vadzidzi vako vezvemarikodhi vanobhadharwa neDhipatimendi reZvondo reUnited States. Kuburikidza neDhipatimendi reZvondo, vezvemarikwereti vevadzidzi vanokwereta vane dzimwe kodzero.
Somuenzaniso, sangano rekubhadhara chikwereti chevadzidzi vanokwanisa kuwana zvirongwa zvakasiyana-siyana zvekubhadhara - kusanganisira chirongwa chinotungamirirwa nemari, icho chinoita kuti mubhadhare pamwedzi pamusana pekuwana mari yako.
Sangano rehurumende yezvikwereti zvinokweretesa pane chirongwa chinopindira mari inogadzirisa mari inogadzirisa makore makumi maviri kusvika kumakumi maviri nemashanu inogona kukodzera kukanganwa chikwereti chemudzidzi . Vashandi vehurumende yezvikwereti vezvikwereti vanobhadharawo vanogona kuwana kukanganisa uye kushivirira. Izvi zvinogona kuisa mari yechikwereti yevadzidzi pause kana iwe usingakwanisi kuita mari yako yemwedzi.
"Chikoro chemari chikwereti chevadzidzi vane vazhinji vanozvidzivirira mukutengesa zvakadai sekufa nekuremara kwekuremara, kusarura kwakanaka uye kushivirira, uye kodzero yekurapa kusagadzikana," anodaro mudzidzi wechikwata chemari wechikwata Adam S. Minsky. "Mapurogiramu aya haasi kungoitwa nekonzheni - inopiwa nehurumende yepamutemo, iyo inoita kuti iwedzere kusimba." Uye izvi zvinogona kuitika zvakakwana kana uri kushanda mumunda wakabhadhara zvakanyanya kana iwe uchinge warohwa nematambudziko akaoma .
Asi vashandi vehurumende vanobhadhara chikwereti vanopa zvikomborero izvi kana vachigadzirisa.
Paunonatsiridza mudzidzi wako chikwereti, uri kushanda nekambani yega. Sezvo zvakadaro, iwe uri kutamba kwavo, vachitarisana nemitemo yavo. Kunyange zvazvo chikwereti chekubhadhara chikwereti chevadzidzi chinogona kukuchengetedza mari, hazvingabatsiri kana iwe wapedzisa kurasikirwa nebasa rako uye haugone kuripa. Iwe hausi kuzova nechipo chekupa zvikwereti zvemari yevadzidzi zvinopiwa kuburikidza neDhipatimendi reZvondo reUnited States.
Uye kana iwe uchinatsiridza, hapana kudzokera shure. "Refinancing mari yehurumende yemari muchikwereti chemunhu mumwe chete inzira imwe chete kubva mumugwagwa we federal system. Hapana nzira yekudzorerazve chikwereti chemunhu pachake muchikwereti chehurumende, "anotsanangura Minsky.
Sokutora chikwereti chemubhadhara wevadzidzi, iwe unomira kuti urege kurasikirwa nezvikomborero zvinotevera kuburikidza nekugadzirisa:
- Kubvumirwa kweurongwa hunotungamirirwa nemari
- Mukana wokukwereta chikwereti chemudzidzi
- Kusarudzwa
- Kushivirira
- Kudzorera rubatsiro zvirongwa (sePublic Service Loan Forgiveness nezvimwe zvirongwa)
- Rufu nekuremara kunopera
- Zvichienderana nekugadzirisa
Kunyange zvazvo vanokweretesa chikwereti chemudzidzi vachigadzirisa nzvimbo vanogona kupa zvikomborero zvakadai sekuregererwa, zvikomborero zvinowanzosvika zvishoma zvishoma kana zvichienzaniswa nezvinoitwa neDhipatimendi reMari yeUnited States. Kwete izvozvo chete, asi vateresi vepachivande vanogona kuchinja zvipo zvavo chero nguva.
"Kuzvidzivirira kwevatengi kunobhadhara chikwereti chemunhu anenge aine chikwereti chemunhu chikwereti kune zvibvumirano uye anowanzotadza kunzwisisa - zvichireva kuti mutengi kana mushandi anotora kusarudza kana kuti kwete kuvamanikidza," anodaro Minsky.
Panewo zvakawanda zvisingazivikanwi pamusoro pekambani yevadzidzi- yekugadzirisa, iyo inenge ichiri mucheche.
"Nemhaka yokuti vazhinji vevatambi vari muga rega chikwereti chekubhadhara chikwereti chave chitsva, isu hatizivi kuti vachaita sei ivo vanorwisana nevanobhadhara kana vanokwereta vasina kukwana," anodaro Minsky. "Hatizivi kuti vanoita sei uye vanogona kuchinja, vachasununguka sei kushandisa hurongwa hwekuyamura muzvibvumirano zvavo, kana kuti vachatsvaga sei vanhu."
Ndiri Kuongororazve Maonero Akanaka Here?
Kana uri kufunga nezvekugadzirisa iwe federal mudzidzi zvikwereti, zvakakosha kuongorora zvinobudirira nehana zvakanyatsonaka. Mari yekugadzirisa inogona kuve yakakosha kune vamwe vakwereta, asi kune vakawanda vehurumende yemari yevakweretesa chikwereti, inogona kunge isiri pfungwa yakanaka. Pane zvakawanda zvokurasikirwa maererano nezvinobatsira uye kudzivirirwa.
Zvisinei, kugadziridza iwe wezvemapurogiramu emari yevadzidzi kungava pfungwa yakanaka mune imwe mamiriro ezvinhu. Somuenzaniso, kana iwe uine basa rakasimba, mari yakawanda yemari uye urongwa hwokubhadhara chikwereti chako munguva pfupi, kugadziridza kunogona kuve nenjere senzira yekuderedza chikwereti chako uye kubhadhara chikwereti nokukurumidza. Asi hapana mutemo wakaoma uye wakatsvaga pamusoro pekufanirwa kunatsiridza vashandi vavo vehurumende zvikwereti uye vasingafanirwe.
"Ndinofunga kuti vakwereta vanofanira kunyatsonzwisisa zvavari kuwana uye zvavanenge vachirasikirwa, uye vanofanira kuongorora kushivirira kwavo kune ngozi," anodaro Minsky. Kune vamwe vanokwereta, njodzi iyi inogona kuva yakawandisa - asi kune vamwe, inogona kuva pangozi yenguva pfupi inovabatsira kubhadhara chikwereti nokukurumidza.
Saka kana iwe uine zvikwereti zvevashandi vehurumende uye uri kutarisira kuchengetedza mari muchidimbu kuburikidza nekugadzirisa, tanga uongorore mamiriro ako emari aripo. Inzwisise kuti ndezvipi zvikomborero uye kudzivirirwa kwako kumira kurasikirwa, uye iva nechokwadi chokuti zvikomborero zvauri kuwana zvakakodzera.