Mune zvimwe zviitiko zvehupfumi, kushandiswa kwechikwata chinowirirana, kana kuchinja APR, zviri nani nokuti zvinokubvumira kubhadhara kadhi rako rechikwereti kana kuti chikwereti chechikwereti pamutengo wakaderera apo kuwandisa kwenhamba kuri pasi.
Kune rumwe rutivi, kuva nechirwere chechirwere chakasiyana hakushandisi iwe pachako apo kuwandisa kwenhamba kunowedzera nokuti chikwereti chako chinowedzera zvakare.
Nharaunda dzinofadza dzinobata zvakakwana mari yekukwereta mari. Kufarira kwakajeka kunoverengerwa nokuwedzera chikwata chechido nehuwandu huripo. (Kadhi kadikiti vanogona kushandisa zvishoma zvakaoma kuverenga nokuda kwechido chako) Zvimwe zvinoshandiswa muzvikwereti zvinobatsira kubhadhara kadhi rechikwereti nokuti mutori wemakadhi anogona kukwidza kadhi rako rechikwereti chekwereti semari yemari inoshanduka.
Hapana Nyevero Pamberi pe (Variable) Rate Yowedzera
Kadhi-kadhi yemakambani haafaniri kutarisirwa kupa chiziviso chekutanga chechido chekuwedzera kana kadhi rako rechikwereti rine chido chekuda kufanana. Izvozvo zvinoreva kuti hauzove nemukana wekusarudza, kana kuramba, iyo yepamusoro yekutora uye iwe uchazobhadhara chikwereti chako pachikwereti chakakwirira, kunyange iwe ukavhara kadhi rako rechikwereti.
Kana kadhi rako rechikwereti rine chiyero chakasiyana, zvakakosha kubhadhara kune nhau chero ipi neipi pamusoro peSweden Reserve kukwidza mari inofarira. Pasinei nekukwira yako kadhi rechikwereti rakashandisa sehurukuro ye variable yako APR inogona kusungirwa kune federal money rate. Iko yepamusoro, semuenzaniso, ndeye federal money rate uye 3%.
Kana iyo federal yemari inokwira ichikwira kumusoro, iwe unoziva kuti kadhi yako yekadhi yemakadhi ichakurumidza kutevera.
Zvakakosha Zvakadini Iko Kuti Mutengo Wacho Unopera?
Nhamba yakasiyana-siyana inonyanya kukosha kune vadhigiridhi vechikwereti vane chikwereti. Mutengo wako unogona kuwedzera pasina chiziviso chepamusoro uye izvi zvinoreva kuti iwe uchaguma ubhadhara mari yakakwirira yemhosva. Iyo inokunda chikoro chako chekwereti, iyo inowedzera mari yako yekubhadhara ichava, iyo inoreva kuti zvakawanda zvekubhadhara kwako zvinotarisa kune chikwere uye zvinotora nguva yakareba kuti ubhadhe chikamu chako.
Zvikwereti zvinoshandiswa nehuwandu hwechikwata chekuda, inozivikanwa sechigadziriswa chiyero. Nekugadziriswa kwemari yekubhadhara, chikwereti chechido chinoshandiswa pane imwe nguva yakatarwa. Apo chikwereti chechikwata chinoshandura, kana kuti chichigadzirisa, mari yepamusoro yekubhadhara mari inogadzirisa zvakare. Izvi zvinogona kuita kuti zvive zvakasimba kubhadharo uye ufanotaura kubhadhara mari yako.
Ko Kadhi Yako Kwereti Inoshandiswa Nhamba Yakasiyana Here?
Mazuva ano, mazhinji makadhi emakwereti ane mutengo wakasiyana. Tarisa ikozvino iko yekadhi yemakadhi enyukwereti kana chibvumirano chako chekadhi chekwereti kuti uone kana kadhi yako ine chikwereti chechido chakasiyana. Iwe unogona kuwana kopi yemvumo yako yekadhi rechikwereti pawebsite yekwereti yekwereti yekwereti kana database yeCFPB yemvumo yekwereti. Ipa kadhi rako rechikwereti mutero kana iwe uchinetseka kuwana chibvumirano chako chekadhi rechikwereti paIndaneti.
Dzimwe Nguva Nhamba Yakasiyana-siyana Inogona Kuwedzera
Kuwedzera kwemari yakadyidzwa mari haisi nguva bedzi iwe ungaona chikwata chekuda kuwedzera. Kadhi kadi yako yekubhadhara chikwereti inogonawo kusimudza chikwereti chako chokutora mushure mokunge chikwata chekutsvaga chizopera, kana iwe wakanonoka pane imwe kubhadhara pamwe chete nekodhi kadhi yemukana, unopfuura kudarika chikwereti chako chekwereti, kana kuti uri kukanganisa pamari yako yekubhadhara kadhi rechikwereti kwemazuva anopfuura makumi matanhatu .