Kushaya Njodzi Kururamisira

Chii Chinoshayiwa Kutongwa?

Kushayikwa kwekutongwa inzira yepamutemo yekubhadhara chikamu chakasara mushure mekuvharwa kana kudzorera. Kana munhu ane chikwereti achitora pfuma yako achiitengesa, mari yekutengesa inoshandiswa kubhadhara chikwereti chako (uye mamwe mari). Kana imba yacho isingatengesi kuti yakwanise kugutsa chikwereti, mari yaunenge uchiripa inonzi inoshaya. Kushayikwa kwekutongwa kubva kumatare kunoita kuti iwe pachako uwane chikwereti nokuda kwekushaikwa kweyeri uye unobvumira vateresi nevatokweretesi vateresi kuti vauye shure kwako.

Kushaya Njodzi Kutongwa Kwazvo

Kana iwe usina kukweretesa chikwereti uye chikwereti chinodzosera pfuma yako, kukosha kweimba kunogona kubhadhara chikwereti.

Muenzaniso: iwe unokwereta $ 200,000 pamba pako, asi iwe haugoni kuita mvumo yekubhadhara chikwereti zvakare. Mari yako inotangira pamba, uye iyo inotengesa $ 180,000. Iwe uri $ 20,000 shoma yekubhadhara chikwereti cha $ 200,000, saka une $ 20,000 inoshaya.

Kushayikwa kwekutonga kunogona kubvumira chikwereti chako kuti chinokutevera nokuda kwe $ 20,000 inosara. Munhu anokweretesa angavewo akakwanisa kuwedzera pane zvemutemo uye yekutengesa kubhadharo rose.

Chii Chingaitika?

Kana kukweretesa kwako kuchibudirira kukunda kukanganisa kutongwa pamusoro pako, iwe pachako unokodzera kuwanda kwekutongwa: iwe unobvumirwa nemutemo kubhadhara chikwereti chako. Kana iwe usingabhadhari, wako chikwereti anogona kuedza kuunganidza achishandisa dzimwe nzira.

Muzviitiko zvakawanda, wako chikwereti haazoiti chero chinhu. Zvichida kuti account yako ichashandurwa kune imwe kambani yekuunganidza, uye muteresi anokwereta achatevera chikwereti.

Vateresi vateresi vangaedza nzira dzinoverengeka:

• Kuchengetedza mibairo yako - kutora chikamu chebhadharo yako kusvikira chikwereti chigutsikana
• Kuvhara nhoroondo dzako - kutora mari kubva kubhangi yako yebhangi kuti udzikise chikwereti
• Kuisa chibvumirano pane imwe nzvimbo - kutora chido chepamutemo pane zvinhu zvaunazvo (kunyange zvazvo imba yako, motokari, nezvimwe zvinhu zvinokosha zvinowanzochengetedzwa)

Mareji ekurega mari kazhinji haasi pangozi mukushayikwa kwekutongwa, asi iwe unofanirwa kutarisa negweta reko kana iwe uri pangozi.

Kushaikwa Kwekutongwa Kungangodaro Here?

Kana wakweretesa wako achibvumirwa kutevera kushayikwa kwekutongwa, hapana nzira yekuziva kuti kana kwete. Muzviitiko zvizhinji, hazvina kukodzera dambudziko kune vanokweretesa uye masangano ekuunganidza.

Chiito chemutemo chinodhura uye chinopedza nguva. Vanokwereta avo vakangotambura kutambudzika kana kudzorerazve kazhinji havana zvinhu kana mari inowanikwa kuti vabhadhara kushayikwa kwemari. Kana iwe waive nemari, iwe haungave wakarasikirwa nemari yako pakutanga.

Mune zvimwe zviitiko, kushayikwa kwekutonga hakusi iko kusarudza. Mitemo yehurumende inotarisa kuti kana vanokweretesa vanogona kutevera kushayikwa kwekutonga mushure mokunge matenga. Kana chikwereti chiri chikwereti chisiri chekubhadhara, kushayikwa kwekutongwa hakubvi mubvunzo. Semuenzaniso, mune dzimwe nyika, chikwereti chinoshandiswa kutenga nzvimbo yako yekugara inenge chikwereti chisina kubhadhara (asi kana ukatora chikwereti chechipiri , iyo chikwereti inogona kunge iri chikwereti chekudzorera). Kuti uwane mamwe mashoko pamusoro pekubhadhara zvikwereti nemitemo yehurumende yega, ona Sei Kubhadharwa Kwemari & Non-Recourse Loans Work .

Kutarisana Nokushayikwa Kutongwa?

Kana mumwe munhu ari kuedza kuunganidza paanoshaiwa, taura neye gweta ane chiremera muhurumende yako uye unoziva nekodzero yekuunganidza.

Ichi chiitiko chepamutemo, uye unoda rubatsiro rwepamutemo.

Zvinogona kuitika kurwisana nemabasa ekuunganidza kana kuti kugadzirisa kuti mari yakawanda inogona kuunganidzwa sei, asi iwe unoda muchengeti ane unyanzvi kuti aongorore nyaya yako. Kunyangarika kunogonawo kuva sarudzo yekudzima zvikwereti zvekare, asi kuchava nemigumisiro yechirwere (kusanganisira kukanganisa kunokwereta yako ).