Chii Chikwereti?
Chikwereti chako chechikwereti chikamu chikuru chaunogona kukwereta. Kana iwe uine kadhi rechikwereti, unogona kupedza kusvika kune chikwereti chako. Izvo zvakafanana kune dzimwe zvikwereti, zvakadai semisha yekutengesa mitsara yechikwereti : chikwereti chako chikwereti inzvimbo yemari kubva kwaunogona kutora kubva.
Kana ukangoshandisa iyo, iwe unofanirwa kubhadhara chikwereti chako kana iwe uchida kushandisa kubva kubhesi iyo zvakare (zvimwe, unogona kukwanisa kuwana chikwereti chako chikamu chakasimudzwa).
Iyo Inobata Sei Chikamu Changu
Chikwereti chako chekwereti chikamu chinokosha chekwereti yako chikoro. Nokuda kweFICO chikwereti chikamu (iyo inowanzoshandiswa purogiramu yekuwana zvikwereti zvakadai sezvikwereti nemari yemari), "mari inokweretwa" chikamu chezvikamu zve30% zvepurosi yako - ndiyo yechipiri inonyanya kukosha .
Chii chinonzi FICO chikamu chakatarisa? Kana ukakwereta mari yakawanda, unoita riskier. Imwe nzira yekufungidzira kuti iwe unogona sei kurega kubhadhara ndekuenzanisa mari yaunogona kukwereta pamusoro pemari yaunokwereta.
Nenzira yakawanda, zvakakwereta kukwereta chikamu chimwe chezvinhu zvinowanikwa kwauri; 30-35% inenge yakakwirira sezvaunofanirwa kuenda (saka kana uine chikwereti chemari ye $ 1 000, iwe unoda kuchengetedza chikero chako pasi pe $ 350 kana zvakadaro panguva dzose).
Kana ukakwereta zvakanyanya sezvavanokubvumira kuti uende navo, vateresi vachazvidya mwoyo kuti urikusimudzira, uye ivo vanotanga kushamisika kana iwe wakarova chigamba chakashata uye kana iwe ukakwanisa kuramba uri pamwe newe kubhadhara. Zvechokwadi, izvi zvose zvinoitwa nemakombiyuta, saka hapana munhu anonyanya kunetseka - kombiyuta inotarisa kuti uri kushandisa zvakadini, ine mamwe maitiro, uye inoparadzira chikamu chechikwereti chakaderera.
Kana Ukabhadhara Zvizere
Ko kana iwe uchibhadhara chikwereti chako mwedzi woga woga? Icho chiito cheuchenjeri, asi zvikwereti zvako zvikwereti zvinogona kutambura. Zvinonyanya kukosha ndezvipi iyo yako chikwereti (kambani yekadhi rechikwereti, kana kuti imba yako yakakwana inokweretesa) chaizvoizvo inoshuma kune mari yechikwereti . Vangashuma iyo mari yaunokwereta pane imwe nguva nguva yako isati yasvika - saka chikwereti chekombiyuta makombiyuta haazive kuti wakabhadhara chikamu. Somugumisiro, zvakanakisisa kuchengetedza zviyero zvako pasi kunyange kana usingambobhadhari penny inofarira.
Kana iwe uchida kuwana kadhi rechikwereti mibayiro (kana iwe uchifarira zvimwe zvikwereti zvekushandisa nekadhi rechikwereti), usarega kubhadhara kero yako kukwirira. Iwe unogona kubhadhara mari yakawanda mukati memwedzi kana iwe uchida kuchengetedza chikwereti chako pasi, kana iwe unogona kukumbira kuwedzerwa kwekwereti yechikwereti kuita kuti zviite seuri kushandisa zvishoma zvewakawana chikwereti chiripo.
Installment Loans
Kana zvasvika kune chikwereti chechikwereti chaunokweretesa pasi zvishoma nezvishoma nekubhadhara kwedzimwe mwedzi, hapana zvakawanda zvaungaita. Kana chikwereti chako chiri chitsva, chikwereti chako chekukwereta chichave chakakwirira zvikuru maererano nemari yako yawakatora chikwereti. Zvisinei, ichi hachisi chinhu chikuru - chikwereti chekwereti chemuenzaniso inoziva kuti zvikwereti zvipi zvikwereti zvikwereti uye zvikwereti zviri kuenderera mberi (kusununguka, sekukwereta kadhi rechikwereti) zvikwereti.
Zvakajairika kuti uve nezviyero zvakakwirira pazvikwereti zvikwereti pakutanga asi zvechokwadi zvinobatsira kuvabhadhara pane nguva.