Chimwe chekutya kukuru kwevanhu pamusoro pekuisa mabhizinesi ndicho chinokonzera kukwereta kwavo chikoro. Ko yako chikwereti chikwata chingatongororwa nokusingaperi here? Ichaderera zvakadini?
Chikwereti chave chakanyanya kuwanda muupenyu hwedu kuti kurarama pasina chikwereti chakanaka kungave chinhu chinokanganisa. Vanhu vanotya kurasikirwa nechikwereti chavo chakanaka - chikwereti chavo chekare-kuti vanorwisana nechikwereti kwemwedzi kana makore uye vachiri kupedzisa kuisa chikwereti.
Zvinosuruvarisa, hapana mashoko akawanda akanaka pamusoro pekwereti yako yekwereti kana zvasvika pakubhadhara mari.
Kubhadhara Impact kune Chikwereti Chikwereti
Zvakaoma - kana zviri nani asi, zvisingaiti - kufanotaura kunyatsoita kuti chikwereti chako chikoro chichawa sei mushure mekuisa firiji. Izvo zvinokonzerwa nekwereti yako chikwereti zvinonyanya kugadzirirwa pane chikwereti chako chinomira ikozvino uye ndeupi ruzivo ruri pamushumo wekwereti yako.
Muna 2010, FICO yakabudisa ruzivo pamusoro pekuti kubhadhara uye zvimwe zvikanganiso zvechikwereti zvinokanganisa sei chikwereti chako . Kushandisa mamiriro ekunyadzisa nemamwe mapurogiramu akasiyana emakwereti, FICO yakaratidza kubhadhara kunogona kukwana kusvika kumapfumbamwe 240 kune mumwe munhu ane chikwereti chekwereti 780 uye 150 nharo kune umwe ane 680 chikoro chekwereti. Kunyange zvazvo munhu ane chikwereti chikuru chekwereti achirasikirwa nepfungwa dzakawanda, mumitemo miviri yekuti chikwereti chikoro chinopedzisira chakapoteredza nzvimbo imwechete, 540 uye 530. Kana matambudziko ekwereti atotora chikoro chako muma 500-range, une zvishoma zvishoma yekwereti chikwereti kudzivirira.
Asi, iyo inongova muenzaniso wezvinogona kuitika kune chikwereti chenhamba. Yours may not dropped too much or it may drop more. Iwe haugoni kuziva kunze kwekuti iwe wakanyora faira.
Ndizvo Zvose Zvinokanganisa Izvozvi?
Muenzaniso weFIC hauna kusiyanisa pakati peChitsauko 7 neChitsauko 13 kuparara , iyo miviri yebhadhadzi inowanika kune zvikwereti zvemunhu oga.
Chitsauko 7 kubhadhara kuchapfuura nokukurumidza, uye kubuda kunenge kuchiitika mwedzi mishomanana mushure mekunge waita (kana iwe uchikodzera). Zvinotora makore kuti upedze Chitsauko 13 kudarika sezvo iwe unenge uri pamakore matatu kusvika mashanu ekubhadhara chirongwa.
Alternatives to Bankruptcy
Nepo iwe ungasendamira kubva kubhadharo inobva pane zvinogona kuitika kune chikwereti chako, funga mupfungwa kuti inogona kuva yakanakisisa yezvose zvaunogona kusarudza. Kubhadhara chikwereti uye kusarudzwa zvinosanganisira:
- Kubhadhara iwe pachako
- Kupinda chirongwa chekuchengetedza chikwereti kuburikidza nechikwata chekubhadharira chikwereti
- Kubatanidza
- Kugadzirisa
- Kudhinda bankruptcy
Kunze kweizvi, kufungidzira kubhadhara kunogona kukuvadza chikwereti chako chikoro chikuru, asi chinogona kuva chakanakisisa kana iwe uine zvishoma zvokushandisa kubhadhara chikwereti chako. Zvitatu zvekutanga zvingasakanganise chikwereti chako chekwereti zvachose, asi izvi zvingasarudzwa hazvingawanikwi zvichienderana nemari yedu, mari, uye chimiro chenhoroondo dzako.
Dzoserai Kubhadhara Kwako Kwapera Kubhadhara
Kana ukasarudza kuisa bhadha, ziva kuti chikwereti chako hachina kurasikirwa nokusingaperi. Kana uchangobva kubhadhara uye mari yako yakadzoka shure, iwe unogona kufunga nezvekuvakazve chikwata chako chekwereti . Izvozvo zvinosanganisira kuvaka chiitiko chekubhadhara chakanaka nevechikwereti vatsva kana nemamwe mabhuku akapona kubhadhara.
Iwe unogona kushamisika kuona nguva pfupi mushure mekunge uchingopera iwe unotanga kuwana kadhi rechikwereti rinopa zvakare.
Kushungurudza kunoramba kuri pane chikwereti chekwereti kwemakore gumi, asi kunokanganisa chikwereti chako kudarika nguva sezvaunopfuura uye iwe paunowedzera mashoko akanaka kune rekwereti yako. Zvinokwanisika kusvika kune chinzvimbo chakakosha chekwereti mushure mekufuratira, asi iwe unofanirwa kupinda nepurogiramu yekutanga. Kana, hongu, ndiyo ndiyo nzira yakanakisisa.