Pros uye Cons yeChina Chega
Kana zvasvika kune zvikwereti zvinowanzobhadhara vatengi semakadhi emakwereti uye zvikwereti zvemari, maitiro maviri anozivikanwa zvikuru ekuderedza chidimbu chako inosanganisira kubhadhara kushandiswa uye kukweretwa kwemari chikwereti .
Ndechipi musiyano pakati pezvinhu izvi-uye ndeupi wakanaka? Izvo zvose zvine zvigaro uye zvisingabatsiri, asi iwe unogona kuita chisarudzo chaunodzidziswa kana iwe uchinzwisisa mari uye kuti chikwereti chako ikozvino chagadzirwa sei.
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Nekubhadhara kadhi rechikwereti kutengesa, iwe unotora chikwereti kune kechipiri kana kuti chiripo kadhi rechikwereti. Kuti uite kudaro, kadhi yako yakabhadhara inogona kupa mvumo yekutsvaga chekuongorora kana kukubvumira kukumbira kutengeswa kwepaIndaneti. Chikwereti chekubhadhara chikwereti kuwedzerwa kunonyanya kukoshesa paunoziva kuti uchabhadhara chikwereti nokukurumidza.
Munyaya yakanakisisa-mamiriro ezvinhu, unogona kubhadhara 0-muzana chikwereti pane chikwereti chako, kunyanya kwenguva shoma. Kurega kushandiswa kwemari inobatsira kunomisa kubuda ropa nokuti chikwereti chako chemari chikamira chichikura, uye 100 muzana yebhadharo imwe neimwe inoenda kunoderedza kuderedza chikwereti chako. Asi nyatsoteerera kunyora kwakanaka.
Mhosva: Tsvaga kana iwe haufaniri kubhadhara mari yekuendesa zviyero. Mariro inowanzosvika 3 kubva muzana yemari yaunotumira, kana gorofa dollar chiyero-chero chikuru. Chero mari ipi zvayo yaunowana kubva kune chidimbu chechidimbu inoda kuwedzera pane kungovhara mari yekutsvaga. Iwe unogona kutorawo mari itsva yegore negore kana ukazarura kadhi kadhi rechikwereti.
Nhamba yezvikwereti: Inonyanya kufarira mari inowanika kune vatengi vane chikwereti chakanaka. Iwe unogona kuona zvipo zvinokuidza muzviziviso, asi unofanirwa kudzokorora izvo kadhi rakabudisa chaizvoizvo rinokupa mushure mokuongorora chikwereti chako. Kunyange kana iwe ukawana 0-muzana APR , iyo inogona kunge isingagari kwenguva refu. Tarisa kuti uone kana mukana wacho uchichinja uye chii chinoitika mushure mokunge purogiramu inopera.
Chikwereti chako: Kugoverana kwekutsinhanisa kutarisa hakusi kwakaipa kune chikwereti chako, asi kunogona kukonzera matambudziko. Nguva dzose paunoshandisa kadhi itsva, vateresi vanotarisa chikwereti chenhoroondo yako, uye iyo mibvunzo inogona kusimbisa chikoro chako chikoro . Kuva nemakero akawanda evatengi (sekukweretheni makadhi) yakazaruka kunogonawo kuderedza chikamu chako. Kana iwe ukapedzisa kushandisa kadhi rechikwereti kuti uwedzere zviyero, iva nechokwadi chokuti unovashandisa sechikwereti chikwereti-kwete chikwereti chinowedzera chigadzirwa. Dzivisa kushandisa kadhi iwe waibhadhara kuti uwedzere mukati memari chikwereti.
Chikwereti Kubatanidzwa
Panzvimbo yekushandisa kadhi rechikwereti, unogona kusimbisa chikwereti nemari yako, chikwereti chechikwereti chakachengetedzwa , kana chikwereti cheP2P . Chikwereti chikuru chinogona kukubvumira kubatanidza zvikwereti zvakasiyana-siyana uye kuwana zvose munzvimbo imwe. Kubhadhara zvikwereti zvikwereti zvinowanzouya nezviyero zvakatarwa, saka vanoita zvinonzwisisika apo nguva dzekukweretesa kadhi rechikwereti dzakapfupika. Semuenzaniso, chikamu che-0% chamapapiro anopa kwemwedzi mitatu zvingave chisingabatsiri kana iwe wakatarisira kutora makore matatu kubhadhara chikwereti chako.
Mari: Unogona kana kuti usakwanisa kubhadhara mari yepamusoro yekubhadhara chikwereti chikwereti. Nezvikwereti, iwe uchaona mari yakajeka sekutengesa kana kutangira mari. Neimwe zvikwereti, mari inenge isingaoneki, asi yakavakwa muhuwandu hwekufarira.
Enzanisa zvikwereti zvakasiyana-siyana kuti uwane kusanganiswa kwemari yepamusoro uye mari yezvibereko inokubatsira iwe.
Nhamba yezvikwereti: Mutengo unobhadhara unobva pane rudzi rwechikwereti chaunoshandisa. Mari yechikwereti chisina kuchengetedzwa chichava nemari yakakwirira kudarika chikwereti chakachengetedzwa chemari chikwereti , somuenzaniso. Kunyange zvakadaro, iwe unogona kunge uchibhadhara chikwereti pamwero wakaderera pane chikwereti chekwereti chechikwereti-asi "teaser" kana kuti kadhi yemakadhi yemakwereti inofanira kuva yakaderera, kunyanya kwemwedzi mishomanana.
Kana iwe uchibhadhara chikwereti kwemakore anoverengeka-iyo yakareba kudarika chero kukweretesa kadhi rechikwereti-iwe unogona kuita zviri nani nekwereti chekukwereta chikwereti. Nharaunda dzinogona kuve dzakasiyana-siyana , zvinoreva kuti dzichafamba uye dzichienda sezvikwereti zvekadhi rechikwereti, kana dzinogona kugadziriswa. Fixed rates inoita kuti zvive nyore kuronga nokuti iwe uchaziva kuti ndezvipi zvaunotora pamwedzi zvehupenyu hwose hwechikwereti.
Asi zviyero zvakatarwa zvinowanzotanga zvakakwirira kudarika zvinowanzosiyana.
Chikwereti chako: Kungofanana nemakadhi emakadhi, zvikwereti zvitsva zvinokonzera mibvunzo inogona kukanganisa zvikwereti zvako zvekwereti-kunyanya munguva pfupi. Pamusoro penguva refu, imwe chikwereti chekukweretesa zvikwereti zvinogona kunge zviri nani kune chikwereti chako kupfuura kuwedzerwa kweyeroji.
Chikwereti chikamu chakakwirira kana iwe ukashandisa musanganiswa wemhando dzakasiyana dzekwereti, uye zvikwereti zvinokonzera zvikwereti zvinokuita kuti uwedzere kukunda kupfuura wakwereta uyo anovimba chete pamakadhi emakwereti. Kana iwe uri muchengeti wekwereti yakakwereta, zvinoita sokuti uri kushandisa zvisingakwanisi kuti uwane zvinhu zvinotengeswa uye uchibhadhara mari yakawanda-inenge isiri yakasimba.
Chikwereti chekukweretesa chikwereti chinogona kuratidza kuti wakazvipira kubhadhara chikwereti pasi, uye wakashandisa rudzi rwakakodzera rwechikwereti ichocho. Izvozvo zvinoreva kuti iwe unokwereta, saka iwe unogona kubhadhara zvimwe zvikwereti munguva yemberi. Chero bedzi iwe paunenge uchibhadhara panguva uye uchingotora chikwereti chaunogona kutenga, chikwereti chako chichasimbisa.
Kupikira Chibvumirano
Kune chikwereti chekubatanidza zvikwereti, iwe unogona kutora rubatso . Izvozvo zvinoreva kuti iwe unopa bhanga mvumo yekutora zvinhu zvako uye kuvatengesa kana iwe ukakundikana kubhadhara chikwereti. Semuenzaniso, unogona kutora imba yako sechikamu chekweretheni chekuenzanisa , kana iwe ungashandisa motokari yako sechibvumirano.
Chengetedza zvikwereti zvisina kudzivirirwa zvisina kuchengetedzwa: Dzimba dzinogona kukubatsira kuti uwane chibvumirano, asi kuvimbisa zvinhu zvako kune ngozi. Ko kana zvinhu zvisingaiti sezvamakaronga-unogona kurarama pasina imba yako here? Iwe unogona kusvika kubasa uye unowana mari yako kunze kwemotokari yako here? Zvakanakisisa kuchengetedza zvikwereti zvisina kudzivirirwa zvisina kuchengetedzwa nokuti chinhu chimwe chete chiri pangozi ndicho chikwereti chako. Kana ukashandisa chikwereti chekuwana chikwereti kuti ubhadhara chikwereti chisina kuchengetedzeka chikwereti chikwereti, uchawedzera zvakanyanya ngozi yako. Kana chimwe chinhu chisingatarisirwi chikaitika, iwe unogona kurasikirwa neimba yako mukugadzirisa .
Kudzosera zvikwereti zvakachengetedzwa: Kana uine chikwereti chakachengetedzwa nekutengesa, funga kubhadhara zvikwereti izvozvo zvakasiyana. Semuenzaniso, shandisa mari yekutsinhanisa kana chikwereti chekugadzirisa chikwereti chematare asina kuchengetedzwa, uye uwane chikwereti chakasiyana chezvikwereti zvako zvakachengetedzwa. Izvozvo zvakati, kana iwe uchikwanisa kubhadhara zvikwereti zvakachengetedzwa uye ukaita kuti zvive zvikwereti zvisingaverengeki, iwe uchaderedza dambudziko rako-kungoita kuti zvive zvakakosha chero mari yakawedzerwa.
Mari Yevadzidzi: Shandisa Kuchenjerera
Kana uine chikwereti chemudzidzi, ita basa rechikoro risati rasimbisa zvikwereti izvozvo kana kuti uzvibhadhara nemunhu chero upi zvake. Hurumende yehurumende inopa zvikwereti zvakasiyana-siyana semukana wekukanganwira chikwereti kana kukwanisa kubhadhara chikwereti. Kana iwe uchinatsiridza kana kuti uchisimbise nemunhu anokweretesa wega , iwe unogona kurasikirwa nekuwana kune avo vane chikwereti-vane ushamwari hwakanaka.
Kuti uwane mamwe mashoko, ona Zvibatsiro zve Federal Federal Loan .