Kero yako yekwereti yemari yekutenga chikwereti inonyanya kukanganisa mari yekutakura chikero pane kadhi rako rechikwereti. Iwe unogona kutanga nehuwandu hwechikwata chechibereko, asi chiyero chako chisingagari nguva dzose chakafanana. Chikwereti chako chekwereti chekwereti chinogona kuwedzera chido chako chekufarira mune mamwe mamiriro ezvinhu, asi haisi nguva dzose kukuzivisa iwe pachine nguva.
Nhamba Yechido Inodiwa Inowedzera Zvekare
Mabhangi anofanira kutumira chikwata chekuwedzera chikwata chekuwedzera chiitiko kwemazuva makumi mana makumi maviri asati apera kuwedzera.
Ichi ndicho chidimbu cheChokwadi muLending Act , mutemo weGurumende unodzivirira vatengi kune vanokweretesa.
Munguva yezuva remakumi mashanu nemashanu, iwe uchava nemukana wekusarudza kubva kune chikwereti chekuwedzera chikwata kana uchida kubhadhara chikwereti chako nehuwandu hwekufarira. Kusarudza-kurega kuchaita kuti iwe uchengetedze mutengo wako wepasi. Zvisinei, kana ukasarudza kusarudza, mukwereti angavhara akhawunti yako.
Kana iwe usingapinduri kune chikwata chekuwedzera chiziviso chokuwedzera, chikwereti chekwereti chekwereti chinogona kushandisa shanho itsva yekutora kune chero zvitsva zvinotengwa zvakatanga kutanga mazuva 14 mushure mokunge chiziviso chakatumirwa.
Kana Mutengo Wowedzera Zvekare Hazvifaniri Kudiwa
Kadhi-kadhi yemabhadhari havasi nguva dzose kutumira chikwata chechido chekuwedzera chiziviso chisati chawedzera chiyero chako. Kana kuwedzerwa kwechikwata ichibva nekuda kwekudarika kana kusakwanisa, mukwereti haafaniri kukunyorera nezvekuwedzera kwechikwata. Kazhinji, zvikwereti izvi zvinowedzera zvinoratidzwa mukunyora kwakanaka kwechibvumirano chako chekadhi rechikwereti.
Somuenzaniso, kana iwe uine mazuva makumi matanhatu ekupedzisira pakubhadhara kadhi rako rechikwereti, kadhi yako yakabhadhara inogona kuwedzera chidimbu chako chekutora pasina kutumira chikwata chechido chokuwedzera chiziviso kana kukupa mukana wekusarudza. Chikwereti chekwereti chikwereti hachifanirwi kukupa chiziviso kana chikwata chako chekufarira chikawedzera nokuti chikwata chekutsvaga chakapera.
Mazhinji emakadhi emakadhi aya mazuva ano ane mutengo wekuda kufanana unosungirirwa kune rimwe diki, sezvinonzi premime rate kana LIBOR. Kana chikamu ichi chechibereko chichiwedzera, kadhi rako rechikwereti APR rinogonawo kuwedzera. Chikwereti chako chekwereti chekwereti haufaniri kutumira chiziviso chisati chaitika usati wasimudza chiyero chako mumamiriro ezvinhu aya; chibvumirano chako chekadhi rechikwereti chichajekesa kuti chiyamu chei APR yako yakasungirirwa uye kuti inopindurwa sei nekuchinja kwehuwandu hwekutsvaga.
Kutarisana Nekusava Nehanya Kwisina Mwero Kunowedzera
Taura nekwereti yako kadhi rechikwereti pamusoro pekuwedzera kusina kufananidzwa kwehuwandu hwechido chako. Vachakwanisa kutsanangura kuti nei chikwata chenyu chekufarira chawedzerwa. Kana kuwedzera kwechikwata kwaiva kukanganisa, iwe unogona kukwanisa kutora chikwereti chako chekare chibereko.
Iwe unogona kutumira kunyunyuta kumutengi weKutengi weKutarisira Mari kana iwe uchida kuti kadhi yako yekwereti yekwereti yakawedzerwa mukukanganisa kana muchengeti wekodhi yemukwereti akakwidza chiyero chako asingatauri zvakakodzera.