Izvozvo zvikonzero zvese zvakakwana kuita kuti vanhu vazhinji vakukwe. Asi zvakadini nezvikwereti zvako zvechikwereti - kushandiswa kwekugadzirisa kunokanganisa chikwereti chako zvakaipa here?
Adiki, Nenguva Pfupi Hit
Zvichida iwe uchaona zviduku zvishoma pane zvikwereti zvako zvikwereti kana iwe uchigadzirisa.
Izvozvo zvinonzwisisika kana iwe uchinzwisisa kuti chikoro chikoro chinoshanda sei : iwe wakashandisa chikwereti, icho kazhinji chinowedzera chikwereti chako zvishoma. Tichapinda mune mamwe mashoko pasi apa, asi mubvunzo unokosha zvikuru ndewekuti kana kwete here .
Refinancing inogona kuchinja zvikuru mari yako. Kana zvinoreva chikwangwani chako chinoderera pasi kwechinguva, iwe haufaniri kugadzirisa here? Chinhu chose chokuva nechikwereti chakanaka ndechokuti tibatsirwe zvikwereti - kunyanya, kukwanisa kuwana zvikwereti zviri nani (kunyange zvazvo zvingabatsira zvakare neinishuwarenzi mari, kubhadhara, nekutsvaga mabasa). Saka kana iwe uine mano iwayo, pane zvikonzero zvishomanana zvisingashandisi.
Nguva Yokudzivisa Kuongororazve
Pane mamiriro maviri anoenda mupfungwa apo iwe ungasada kunatsiridza (inongova imwe chete iyo inobatana nechikwereti chekwereti chakakundwa). Zvisinei, iwe unofanirwa kushandisa sarudzo yako pachako-panogona kunge kune dzimwe mamiriro ezvinhu, uye mamiriro ezvinhu pasi apa angasanyanya kuva akaipa.
Iwe uri kuda kubhadhara chikwereti chikuru (kana chakakosha): kana uri kugadzirira kubvunza chikwereti chakakosha (zvakadai somukwereti kutenga imba), funga kaviri usati wanyatsogadzirisa. Iwe hausi kuda kuderedza chikoro chako chikoro mumamiriro ezvinhu akadaro nokuti unogona kuguma neine chikwata chakanaka-uye iwe unogona kunyange kukanganwa.
Somuenzaniso, hazvina musoro kuti uchengetedze zvikwereti zvishoma kubhadhara (kana zviduku) chikwereti chemotokari kana zvichireva kuti uchawana chikwata chekuwedzera kune chikwata chako (chikuru).
Mirira kusvikira mushure mekunge chikwereti chako chakakosha chinogamuchirwa kunatsiridza chikwereti chakakosha. Izvozvowo ndezvechokwadi kana iwe uchizogadzirisa zvikwereti zvakawanda: kutanga neyo inokubatsira iwe zvikuru, uye shandisa nzira yako kubva ipapo.
Chikwereti chitsva hachisi chakanaka: chimwe chikonzero chekudzivisa kusafambisa ndechokuti iwe ungaguma uri munzvimbo yakaipa kudarika iwe wakamboita. Iwe unogona kukwanisa kutora chikwata chakanaka chekufarira kana kubhadhara kwemwedzi, asi chii chinonzi tradeoff?
Kana iwe uchinatsiririra muchikwereti chitsva, iwe kazhinji unowedzera nguva yechikwereti ; iyo ichakutora iwe nguva yakawanda kuti uibhadhara iyo, uye kubhadharwa pakutanga kwechikwereti kuchava kunyanya kufarira . Izvi zvinonyanya kushamisa nemari yenguva refu-zvikwereti - kana iwe uine makore gumi nemashanu chete wakasara paunotora chikwereti chako, uye iwe unogadzirisa kune makore makumi matatu ekubhadhara mari. Nezvikwereti zvemotokari, iwe haungagoni kuona zvakafanana - asi iwe uchawedzera mari yako yekufarira. Kunyange zvazvo zvingaita sokuti iwe une dambudziko riri nani, unogona kuguma kubhadhara zvimwe mukufarira kana ukashandura zvikwereti. Runza nhamba kuti uone kuti refinancing inonzwisisika.
Iwe unogonawo kuwana kuti iwe unopedzisira uri chikwereti chakanaka. Semuenzaniso, kana iwe uchigadziridza kubva kuhurumende yemari yekubhadhara chikwereti kune chikwereti chemudzidzi wega wega, iwe ucharega zvikwereti zvehurumende yemari . Saizvozvowo, kubhadhara chikwereti chawaimboshandisa kutenga imba kunogona kuwedzera njodzi yako kana iwe ukakundikana kuripa (kuburikidza nekutora chikwereti chikwereti chikwereti ).
Zvakare, kupa mamiriro ako ezvinhu, iwe unogona kugadzirisa chikwereti-kunyange kana chichizokanganisa chikwereti chako kana kuwedzera ngozi yako. Iwe unofanirwa kuongorora mufananidzo mukuru kuti usarudze chakanaka.