Iyo yakakonzera njodzi, yakakwirira iyo mutengo
The Price Risky Vakwereta Vanopa
Ndeipi chaiyo iyo yakadhura kana yakaderera? Pamusoro pezvikwereti zvakawanda, iwe unobhadhara chikwereti mukudzorera kukwanisa kubhadhara mari.
Uine pangozi yekutengesa mitengo, iwe unobhadhara zvimwe kana zvishoma zvichienderana nehutano hwako (kana kuti iwe unokweretesa maonero ako panjodzi yako). Kana iwe uri bhetete rakachengeteka uye uyo anenge achikweretesa pane zvose asi nechokwadi iwe ucharipa, iwe uchakwanisa kuwana zvakanakisisa zvigadzirwa uye kuderera kwechirwere chekuda.
Zvisinei, kana iwe wakanga uine mamwe mapegi emabhishopi emari mumakore manomwe apfuura kusvika kumakore gumi, zvakadai sokubhadhara nguva, kufambisa , kubhadhara , kubhadharwa, nezvimwewo, iwe haungatori chikamu chakanaka. Kana iwe uine chikwereti chekwereti yakanaka , asi iwe unowana mari iri mumuganhu, iwe unogonawo kuonekwa sengozi.
Njodzi-Yakagadzirirwa Kutenga Kwezvinhu
Vatengesi vanotarisa zvinhu zvakasiyana-siyana pavanoongorora dambudziko. Chikwereti chako chikamu chakakosha chechipi cheipi chinokonzerwa nematengo. Asi vanokweretesa vanogona kutarisa zvimwe zvakawanda - chikwereti-ku-kukosa ratios , chikwereti-kune-kuwana mari , uye zvimwe zvinhu zvisingabatanidzi chikwereti chako uye chikwereti chikwereti.
Semuenzaniso, kureba kwenguva yawakashanda pabasa rako kunogona kuita kuti iwe uonekwe kana risina ngozi.
Vamwe vanokweretesa vanodawo kuziva kuti wakagara sei mumba mako. Mune zvimwe zviitiko, vanhu vakagara pavanogara kwemakore masere kana kuti vane nhoroondo yekugunzva kubva kune imwe imba kuenda kune imwe, vanogonawo kuonekwa seine ngozi. Kuramba mumabasa uye kugara kunokwereta chikwereti chine ngozi.
Pane Njodzi-Inotengesa Kutengesa Zvakanaka Here?
Njodzi-based based price inotsoropodzwa nevamwe sechiito chinotyisa. Panzvimbo pokuramba kurumbidzwa kune vanhu vasingakodzeri uye havafaniri kukwereta, vateresi vanokwanisa kungobhadhara mitengo yakakwirira kwazvo. Vanokwereta vasina ruzivo havazivi kuti vane chikwereti chakashata, uye havazivi kuti chii chinovanetsa.
Kune rumwe rutivi, kutengesa-kutengesa mitengo kunopa vanhu mukana wavangadai vasina. Panzvimbo yekuramba, vanoudzwa kuti "unogona kukwereta, asi iwe uchakutora." Kana munhu wose achiziva kuti chirongwa chacho chinoshanda sei, zvinoratidzika zvakakwana. Vatongi vanoda kuva nechokwadi chokuti vakwereta vanonzwisisa pavanobhadhara zvakawanda pasi pengozi-based pricing, saka zvino vanoda vateresi kuzivisa vanokwereta vanobhadhara mitengo yakakwirira.
Muenzaniso weKuisa Mungozi Muenzaniso
Funga nyaya iyo iwe unoda kutenga imba. The Federal Citizen Information Center inopa muenzaniso mubhuku rinonzi "Your Credit Score." Vanokweretesa vane chikwereti chakaipa vanobhadhara 3 muzana gore rimwechete (maererano neKAP ) pamusana wavo wechikwereti kupfuura vakwereta vane chikwereti chakanaka, zvichiita kuti pave nekubhadharwa kwepamwedzi kwepamusoro uye kubhadhara mari yakawanda yehupenyu. Nhamba dzechido inogara ichichinjwa, asi unogona kukwira kusvika kune dzimwe nhamba paMyFico.com.
Kuti uone kuti chikwereti chako chingagadziriswa sei, ona kuti chikwereti chako chinoshanduka chinenge chiine chikwereti chakasiyana chekwereti.
Zvadaro, shandisa mari yekubhadhara chikwereti kuti uone kuti mari yako yemwedzi uye chekuda mari inogona kuchinja sei. Iye zvino unogona kuisa mutengo pane chikwereti chakanaka.