Ichokwadi Chekuda Kwekwereti Makadhi

Makadhi ekukwereta anoita kutenga zvinhu nyore, asi pamutengo unokosha

Kadhi kadikiti inowanikwa zvakaoma kurwisa. Zvingava zvakaoma kuti vanhu vazhinji vauye nehupi yehuterevhizheni yemalasma 56-inch inokwana $ 2500 kwe $ 50 chete pamwedzi pane kadhi rechikwereti. Kunyange zvazvo vanhu vazhinji vanogona kutenga $ 50 mari yekubhadhara mwedzi mumwe nomumwe, vangave vasingazivi kuti vachaguma vachibhadhara zvakawanda mukufarira kudarika mari yekutanga yeterevhizheni.

Mutengo wekubhadhara chete zvishoma zvingafanira

Iko kukanganisa kwakajairika kuti uzvibvumire kushandiswa kubhadhara chete mari shoma iyo inokodzera pamutengo wekadhi yemakadhi .

Kambani kadiro yemwedzi wega wega inogona kuonekwa seisina basa. Zvisinei, kubhadhara kunogona kusatarisa kusakosha zvikuru apo iwe unonzwisisa mari yezvokwadi yemakadhi echikwereti uye kufarira.

Ngatitii makanyatsobuda uye mutenga terevhizheni itsva ye $ 2,500. Iwe wakashandisa kadhi rechikwereti raive negore rega rega rega (APR) ye18 muzana. Kubhadharwa kwako kwepasi pamwedzi kunogona kunge kwakaderera se $ 50 semuenzaniso wakataurwa pamusoro apa, asi kuti uverenge yako nguva yakazara yekutengesa mari, iwe uchada kuziva kuti mari yako shoma yakatarwa sei.

Iko mari shoma inowanikwa

Mutero usingabhadharwi unowanzogadziriswa uchishandisa chikamu chemari yako yose. Iko yehuwandu yehuwandu inowanzosvika 2 muzana asi inogona kusiyana zvichienderana nekadhi. Ramba uchifunga kuti kubhadhara kuripo kunowedzera kune chikwereti chekufarira uye kumutengo wepakutanga wawakakwereta. Muchiitiko ichi, mari yepakutanga yaiva $ 2,500.

Kune $ 2,500 plasma terevhizheni, 2 muzana yekwereti yako yepakutanga yaizova $ 50.

Uine APR ye18 muzana, kubhadhara kwako kwaizovhara $ 38 muzvikwereti uye $ 13 kusvika kumutero wako $ 2500. Mushure mekubhadhara kwekutanga, iwe unenge uchine chikwereti $ 2487. Nzira yekutanga ndeyokuti:

1. Gurai 18 muzana nemazuva 360 egore ayo akaenzana .05 muzana.
2. Wedzerai .05 muzana dzimwe nguva 30 mazuva ekarenda iyo 1.5.

1. Pakupedzisira, kuwedzera 1.5 ne $ 2500 yemari yekutanga iyo yakaenzana ne $ 37.50 ($ 38 yakapoteredzwa) inofarira.

Mari yezvokwadi yekutenga ikoko

Kana iwe wakabhadhara 2 muzana chete yebhadharo yako yose pamwedzi wose, zvinotora mwedzi 334 kubhadhara chikwereti chako. Mune mamwe mazwi, zvinoda makore 28 kubhadhara $ 2,500 mutoro. Terevhizheni ingangove yarega kushanda kwenguva refu usati waibhadhara.

Kunyangwe iwe ukasarudza kubhadhara kwemakore 28, iwe ungadai wakabhadhara $ 5897 muchibereko. Mari yako yezvokwadi ye-56-inch plasma terevhizheni ingaguma yava $ 8397.

Kuita Basa Rokufarira Kwauri

Zvisinei, fungidzira zvaungadai wakawana kana waisa $ 50 muakaunti yekuchengetedza kwemakore 28. Kunyangwe pamazuva ano ari pasi parizvino , ingadai yakave yakawanda.

Semuenzaniso, ngatiti iwe watanga sekaunti yekuchengetedza kana wakazarura CD ne 5% yehutengo uye wakapa $ 50 mwedzi mumwe nemakore 28. Uyewo, ngationei zvamungadai makabhadharwa mumitero ine mutero wehuwandu hwe 25% pamari inowanikwa.

Mari yako yose yaizove $ 29,648. Iwe ungadai wakawana $ 17,130 mumari inowanikwa. Mutengo wako wose wekutengesa ungadai uri $ 4,283. Pashure pemitero, ungadai wakaita $ 12 847. Iwe ungadai wakabhadhara terevhizheni mumari uye waiva nemari yakawanda yakasara.

Usaisa muchecheti rechikwereti

Vanhu vakawanda vanotengedzwa nemashambadziro echikwereti uye maitiro anobatsira zvikuru kuti ave echokwadi. Zvisinei, paunotarisa migumisiro yenguva refu, pasi pekubhadhara kwemwedzi pamwedzi inowanzobhadhara mari yakawanda.

Iyo pfungwa yakanaka kudzidza nezvekuti mari yekutengesa kadhi rechikwereti yaizodhura zvakadini vasati vapfuura nekutenga. Iwe unogona kuzviongorora iwe uchishandisa chikwereti uye chikwereti chekugadzirisa. Tarisa "chikwereti chakanyanya kubhadhara chikwereti chekadhi," chinogona kukuudza kuti:

• Mari yako yakazara nemari shoma
• Iko mari yakawanda yaunotora kuti ubhadhe chikwereti chose nemari shoma
• Izvo zvakasiyana nemitengo ichakanganisa zvakakwana mari

Makambani emakwereti anowanzoita mari yakawanda kuburikidza nekupa teaser rates uye pasi shoma zvishoma . Iyo imwe nzira yekuchengetedza mari yavo kuburikidza nekuchengeta vatengi mune chikwereti kwe10, 20 kana kunyange makore makumi matatu.

Panzvimbo yekuwedzera kune mari yavo, iwe unogona kufunga kuumba kari yekuchengetedza nekuisa izvo zvaunenge wakashandisa pamutengo wako wekweretheni wemari.

Makadhi emakadhi anogona kuita basa rinokosha muupenyu hwedu. Vanogona kupa mari yekukurumidzira yematambudziko makuru emotokari kana imwe mamiriro ezvinhu akaoma uye anokubvumira kuti udzoke nokukurumidza munguva yekushaiwa. Kana iwe uchifanira kushandisa chikwereti, kuripa bhadha yako yakazara mwedzi mumwe nomumwe. Kana iwe uchifanira kuvimba pakuita zvikwereti zviduku edza kubhadhara mari inenge $ 10 pamusoro pekubhadharwa kwakaderera uye chete mari yezvinhu zvaunokwanisa kuwana zvechokwadi. Izvi zvinogona kukuchengetedza mazana emadhora muzvikwereti zvemari.