Kubhadhara Kwaunofarira "Hazvifariri" Mari Miri
Kushorwa Kwakaitwa Kufarira Kunoshanda
Chido chaunofanirwa chero purogiramu inokubvumira kuti ubhadhara kufarira kudarika iwe uri kutengesa (zvishoma kwekanguva).
Kazhinji kazhinji, iwe unopedzisira uchitarisa kufarira kana iwe ukashandisa shanduro yekwereti chechikwereti kana kuti mune-kuchengetedza mari. Apo iwe ukaona izwi rokuti "yakafanana nemari" kana "pasina chido chemwedzi 12," une mukana wekudzivisa kubhadhara chido. Chero bedzi iwe uchibhadhara chikwereti nguva yekupemberera isati yasvika, haungabhadhari mubereko, asi zvinoshamisa kuti zvakaoma kuzviita.
Ikoko kwavanoshandiswa: kuderedzwa kurongwa kunofadza kune zvinhu zvinodhura sezvishongo, fenicha, magetsi, nezvimwewo. Kunyanya kumativi ose emazororo, vatengesi vanonyengera vatengi kuti vashandise zvimwe uye vharare gare gare. Vatengesi vepaIndaneti nemakadhi emakwereti vanoitawo izvi.
Chinetso NeVafarira-Vasina Kukurudzira
Nguva isina kufarira inofadza kana iwe zvachose uchibhadhara chikwereti chako pa-nguva. Asi kana iwe usingaiti, unogona kubhadhara nyore nyore kupfuura iwe waizobhadhara nemhando yakasiyana yemari, uye vanokweretesa vanoshandisa maitiro akawanda kuti akubatsire kukundikana.
Kudzorera zvakare: Iko huru "gotcha" nemitambo iyi ndeyokuti iwe unofanira kubhadhara chikwereti chakafambidzana shure kwezuva rokutanga rechikwereti chako kana iwe usingabhadhari chikwereti zvachose nguva isati yapera. Zvichienderana nehutano hwechikwereti chako uye kana iwe uchibhadhara, mutero uyu unogona kuva wakakura.
Unyanzvi: Zviri nyore kurasikirwa nechipo chisina kufarira.
Kana iwe ukaita imwe mubhadharo yakanonoka, chipo chacho chiri kubva patafura uye iwe unofanira kubhadhara mubereko. Kana iwe uine chikwereti chero chipi zvacho pakuguma kwekutsvaga nguva - kunyange kudarika dollar - iwe uchatozofanira kubhadhara izvo zvinodiwa zvekare. Kuti ubudirire kushandisa zvakapiwa izvi, unotofanira kunge uri pabhora.
Zvinhu zvinoshanduka: Vanhu vakawanda vanotora zvipo izvi vachitarisira kubhadhara chikwereti panguva-nguva, uye vakawanda vanozvibvisa. Asi humwe humwe hupenyu hunounza zvinoshamisa. Kakawanda, izvi zvinoreva kutungamirira mari kune chimwe chinhu (pane chikwereti chako chakatora chikwereti) uye kukundikana kutenga chikwereti ichibhadhwa nokukurumidza sezvazvakatarisirwa. Kumwe kuongorora kweCFPB kwakaratidza kuti 20% yevashandi vose vakakundikana kuita musi wekupedzisira (mukati meboka iro, inenge 43% yevashandi vepa subprime vanobatwa uye vanobhadhara chido).
Nhamba yepamusoro yeruchiva: Izvi zvinowanzova nehuwandu hwezvikwereti (zvakanaka kupfuura 20%). Zvechokwadi, iwe unofunga kuti iwe uchabhadhara zero, saka chiyero hachina basa. Kana chimwe chinhu chichifamba chisina kunaka, iwe uchakurumidza kuona kuti mari iyo inodhura yakawanda sei.
Mhosva dzinoshamisa: Kana uchinge uchinge warohwa nehomwe-sum inoderedzwa mitsara inofarira, iwe uchava nesiti-shock. Fungidzira uchitenga zvishongo kana fesheni uye uchikurumidza kubhadhara chikwereti - asi iwe unouya zvishoma.
Apo nguva yekutsvaga inoguma, unogona kuona imwe $ 1 000 kana yakawanda yakawedzerwa ku-akhawunti yako (iyo inotora chikwereti). Kuita kuti zvinhu zviwedzere, iwe haufaniri kubhadhara mari inopfuura $ 1 000 - iwe uri kubhadhara chikwereti kune chido ichocho kusvikira chikwereti ichidzimwa.
0% APR kana Deferred Interest?
Kukwereta nguva dzose kune ngozi nokuti iwe uchazofanira kudzorera pane imwe nguva mune ramangwana - uye haugoni kufanotaura zvaunowana mune ramangwana. Zvisinei, dzimwe nzira dzokukweretesa dzakachengeteka kupfuura vamwe.
A 0% APR kupa haisi chinhu chakafanana nekufuratira kufarira. Munguva yakapfuura, mazwi aya akanga achivhiringidza, asi mutemo wezvematongerwo enyika unoita kuti kuderedzwa kwezvibereko zvive nyore nyore kuona. Ne 0% APR, unogona kubhadhara zero chido kwenguva, uye kufarira kunotanga kuwedzera shure kwekusimudzirwa kunopera (kusiyana nekutora chikwereti chikuru chekudzorera).
Zvikwereti zvinodiwa zvekuda hazvikwanisi kutengeswa se "0% APR" zvigadzirwa. Pane kudaro, uchaona mazwi akafanana "akafanana nemari," "hapana kufarira kusvikira," kana "0% rubatsiro kana uchibhadhara zvakakwana ne" nguva yakatarwa. Uyezve, vateresi vanofanira kukuratidzai zuva chaiyo iyo nguva yekupedza inoguma uye inofanira kuratidza kuwandisa kwechikwata chakawedzerwa chakawedzerwa.
Makadhi Makadhi Ane Deferred Interest
Paunotenga midziyo yepamusoro uye uchibhadhara mari kuburikidza nechitoro, zvinhu zviri nyore nyore: iwe unofanirwa kubhadhara firimu musati nguva yekutsvaga yapera. Ne makadhi emakadhi, zvinhu zvinowedzera kuvhiringidza nokuti iwe unogona kutora "zvisina kufarira" kupa uye unoramba uchishandisa kadhi kune zvimwe zvekutenga.
Zviyero zvakawanda: Makambani ekubhadhara makadhi anochengetedza zviyero zvako zvakasiyana. Kana ukwereta "pasina chido," chikwereti ichocho chakasiyana nedzimwe mhando dzechikwereti (kufanana nguva dzose kutenga uye mari inofambira mberi).
Kwatinobhadhara kuenda: Paunenge uchibhadhara, makambani ekadhi rechikwereti anoshandiswa kushandisa mari yekubhadhara pamusoro pehuwandu hwenyu kusvika kune yepamusoro-kufarira-chikwereti chemari - kunze kwekuti uri mumwedzi miviri yapfuura yekuderedzwa kwekufarira kufarira. Izvozvo zvinoreva kuti mari yako inowanzoenda kune dzimwe zviyero. Iyi ndiyo mhaka iyo mutemo wenyika (2009 CARD Act) yakagadzirirwa kuchengetedza vatengi vese vanoita zvinopesana newe. Iwe unogona kukumbira kuti kadhi yako yakabhadhara inoshandisa mari yakawedzerwa kumari yako yakatarwa pane nzvimbo, asi iwe haugoni kubudirira nguva dzose.
Mazano kune Vanokwereta
Kudzivisa kushamisika kufarira zvikwereti, kukwereta zvakanaka , uye kudzivisa "hapana chido" chinopa kana zvichida kukonzera zvinetso.
Tarisa zuva rokuguma: unoziva kuti kune nguva yekupedzisira yekubhadhara chikwereti, asi dzimwe nguva iyo nguva yakatarwa haigoni kuve yakananga. Iyo mibairo yenguva inogona kunge ifupika kupfuura yaunotarisira, uye zuva rokuguma ringasazoputsika musi iwoyo sekubhadhara kwako pamwedzi pamusi wezuva. Iwe unogona kufungidzira pamusoro pekuti kana kwete here izvi zvinoda kuvhiringidza. Chero nzira, vateresi vanokunda paunokundikana kuwana nguva yekupedzisira.
Chengeta zvishoma, mangwanani, uye kazhinji: Hazviwanzobhadhari kumirira kusvika kuminiti yekupedzisira, kunyanya apo mari yako inobatanidzwa. Chengeta zvakakwana sezvinobvira nekukurumidza sezvinobvira (kunze kwekuti iwe une kadhi rechikwereti rine marudzi akawanda emakwereti - saka iwe unoda kukanganisa dzimwe nhamba). Iko mari shoma inenge isingabhadhari chikwereti chako nguva yako yekutsvaga isati yapera, saka ubhadhe zvakare .
Ne makadhi emakwereti, chenjerera: Zvakare, zvikwereti zvinotora chikwereti chako chakanaka chikwereti kutanga. Kana iwe uine mari shoma uye iwe uri kuedza kubhadhara chikwereti chakanaka, bvunza card yako mupiki kana zvichiita uye kuti ungaita sei kuti zviitike (zvino chengetedza kuti zvinonyatsoitika). Kana usina mubvunzo, unogona kumirira kusvikira mwedzi miviri yapfuura yekutengesa nguva yako kuti uwane mari yakawedzerwa - iyo mitero inofanirwa kuenderera kune iyo inofanirwa kubhadhara nhoroondo.
Chengetedza zviri nyore: Kana uine kadhi rechikwereti rine chikwata chekufarira, tisa kushandisa kadhi kune zvimwe zvekutenga kana zvichange zvichikonzera kuvhiringidzika.
Pedzisa mangwanani: Tora chikwereti chabhadhara zvachose kwemavhiki mashomanana usati wapedza nguva yako yekutsvaga. Izvi zvinokupa mukana wekutsvaga kana iwe wakashaya chero humwe tsanangudzo (zvakadai semhosva dzisingatarisirwi dzichakudzivirira kuti urege kubhadhara zvachose kubhadhara yako).
Dzivisa kutaridzirwa chibereko: Kana uchizobhadhara chikwereti chakakosha, unogona kunge uri nani kushandisa imwe rudzi rwekubhadhara mari . Mhanya nhamba uye sarudza chakanaka. Nhamba yepasi-chikwereti chikwereti chekwereti kana chikwereti chako pachako chingasadhura. Zvichiri nani, bhadhara mari uye iwe unogona kubhadhara zero kufarira.