Zvichida chimwe chezvinhu zvakanyanyisa kufanana nezvekuva nekadhi rechikwereti ndiko kukwanisa kubhadhara mari shoma kune imwe yega yega mwedzi pane kugara uchibhadhara mari yako yakazara.
Iko mari shoma ndeye mari yakaderera iwe unogona kubhadhara pakadhi yako yekadhi yekwereti uye usabhadhara mubhadharo wekubhadhara. Chero bedzi iwe uchibhadhara zvakaderera nezuva rakakodzera, iwe wakamira zvakanaka nekadhi kadikiti yako yechikwereti.
Kunyange zvazvo kubhadhara kuripo kwakanyanya kuripo kuri nyore, ndiyo nzira inononoka kubhadhara chikwereti chako chekadhi rechikwereti. Kana iwe chete uchinge waita kubhadhara kuripo kwekadhi rako rechikwereti, zvingatora makore kubhadhara chikamu. Kwete izvozvi, iwe unogona kugumisa kushandisa mazana, zvichida kunyange zviuru, mukufarira nenguva iyo chikwereti chiri kubhadharwa.
Iko mari shoma inowanikwa
Chibvumirano chako chekadhi rechikwereti chicharondedzera kuti kubhadhara kwako kwakadzika kuverengerwa sei Zvinogona kunge zvakasiyana kune imwe neimwe yemakadhi ako ekwereti.
Kazhinji, kubhadhara mari shoma kunotarwa seperesenti (chimwe chinhu chakafanana ne3%) chekadhi yako yemari yekwereti. Mutero wako wekuchechesa unogona kunge wakareba kana iwe uine mubhadharo wemari, nhoroondo yechangopfuura yekubhadhara nguva, kana uri kumashure pamari yako.
Iwe haufaniri kuedza kuverenga hutori hwako huripo iwe pachako. Mutero wako wezvino uripo unenge wakanyorwa pane yako chikwereti chekubhadhara kadhi rechikwereti mwedzi mumwe nomumwe.
Minimum Payment, Maximum Cost
Kuti uone kukosha kwekubhadhara kadhi rechikwereti rine zvidhinho chete, tarisa chikwereti chekwereti yemari ye $ 5,000, ane 14% APR , uye chikamu chiduku se 2% yemari yako yekwereti yemari. Kuita mari shoma chete, zvinotora iwe makore 22 uye $ 5 887 mumhosva dzemari kuti ubhadhara chikwereti ichi, kwete kusanganisira chero mari yaunoita pamusoro pehupenyu hwekadhi yemarikiti.
Kuwedzera mari yako ye $ 125 pamwedzi kunogona kukubvumira kubhadhara chikwereti chimwechete mumakore anopfuura 6 uye uchishanda chete $ 1,775 mune zvekufarira.
Hakusi kungowedzera zvikwereti zvako zvinokubvumira kuti ubhadhe chikamu nokukurumidza, iwewo unochengetedza mari muchibereko. Muchiitiko chedu, iwe unogona kuchengetedza mari inopfuura $ 4,000 chete nekuwedzera kubhadhara kwako uye kuichengeta pazinga rimwechete kusvikira bhayari yako yakwana zvachose.
Mari shoma inowanikwa inowanzoverengwa sezana yezana rako rekurima. Chimwe chezvikonzero zvinotora nguva yakawanda kuti ubhadhe chikwereti chako nekubhadhara mari shoma ndechokuti iwe unotora chikwereti chinowira pasi mwedzi mumwe nomumwe sezvo chikoro chako chekadhi rechikwereti chichidzika. Mari yekubhadhara yakaderera inoreva kuderera kwebhaari yako inobhadharwa pamwedzi mumwe nomumwe.
Tora yako zvishoma kubhadhara nguva
Mutemo weBurumende unoda kuti chirevo chako chekubhadhara kadhi rechikwereti chireverei nguva yauchakutora iwe kuti ubhadhe kadhi rako rechikwereti kana iwe ukangobhadhara mari shoma chete. Tarisa kopi yemazuva ano kuti uone mutsetse wekadhi rako rechikwereti. Iwe unogona kushamisika kuona nhamba yemakore inotora kuti ubhadhe chikwereti chako kana iwe ukaita kuti zvive nyore kubhadhara.
Iwe unogonawo kushandisa kadhi rechikwereti chikwereti chekugadzirisa kuverenga nguva yaunotora kuti ubhadhe kadhi rako rechikwereti nemari shoma shoma.
A payoff calculator ichakuratidzawo chikamu chekufarira iwe uchabhadhara iwe paunenge uchiita mutengo wekupedzisira uye iwe uone kuti kuwedzera kubhadhara kwako kuchakubatsira sei kubhadhara chikamu chako nokukurumidza.