Shamwari yako (kana mukwambo wako) anokuvimbisa kuti inongova maitiro uye zvivimbiso zvisingazovi shure kumashure. Iwe unoda uye unovimba neshamwari yako (mukwambo wako) uye unoda kuenda pamwe chete. Usati usayina, zvisinei, iwe unoda kuziva chauri kutora iwe pachako.
Kugadzirisa Imari Yemauto: Inorevei?
Ngatinyatsojekesa pane zvauri kuita apo iwe usarudza chikwereti chemotokari . Kuisa pachena, iwe uri kuzvipa mvumo yepamutemo kuti ubhadhara chikwereti, zvakakwana, kana mukuru wekukwereta asingakwanisi kutora chikwereti chake. Iwe hausi, ndinodzokorora, kwete kuisa pairi sehutano hunofanirwa. Kubhadhara chikwereti kunoreva kuti iwe uri kugovera mutoro wakakwana wekubhadhara kwacho nenzira yakafanana sokunge iwe wakanga watora chikwereti iwe pachako.
Ko Kuisa Mota Kwemotokari Kunondibatsira Sei?
Kune dzimwe nzira mbiri dzinokosha iyo kugadzirisa chikwereti kunogona kuchinja chikwereti chako:
Chikwereti chako nhamba uye zvinyorwa. Sezvo iwe uine chikwereti chechikwereti, chikwereti chakabhadharwa chicharatidza pamusoro pehupoti yako yechikwereti sekunge chikwereti chacho chakanga chiri chako pachako.
Izvozvo zvinoreva, somuenzaniso, kuti kana shamwari yako (kana mukwambo wako) ichiita mutero wekupedzisira, kuipa kusingaonekwi kuchaonekwa pane yako repoti rekwereti uye chikwereti chako chinowira pasi. Ramba uchifunga kuti sezvo iwe hausi iwe unokwereta chikwereti uye saka haugamuchiri zvinyorwa zvemwedzi, iwe unogona kunge usingazivi kuti chikwereti chako chikoro chaderera kusvikira nguva yakati gare gare.
Kufanana kana iwe ukanyorera kadhi rechikwereti kana enda kundotenga imba kana motokari iwe pachako. Uye, sezvaunogona iye zvino kutarisira, imwe kana kuti mari yakawanda yakasara yakakwana inogona kureva kudonha kukuru mune chikwereti chako.
Kugona kwako kubhadhara chikwereti. Kutaura nezvekukumbira chikwereti chako pachako, kubvunzurudza shamwari (kana mukwambo wako) kunogona kugadzirisa matambudziko kunyange kana shamwari yako (kana, iwe unoziva) yakagadzikana pamitero yake. Izvi ndezvokuti kungovapo kwechikwereti chakachengetwa pamushumo wako wekwereti kunogona kukanganisa chikwereti chako ku-earn ratio , zvichiita kuti zvive zvakaoma kuwana chero mimwe chikwereti. Naizvozvo, zvakakosha kuti iwe uone iwe pachako iwe pachako unoda zvido, zvose zviripo iye zvino uye munguva yemberi, usati wabvuma kubhadhara chikwereti.
Zvinhu Zvishomanana Zvokufungisisa Usati Wagadzirira.
Chengeta zvinyorwa. Iva nechokwadi chokuti unogamuchira makopi emabhuku ose emari. Iwe unogonawo kuomerera kuti mukuru wekukwereta akupe iwe makopi emaresikiti ose ekubhadhara uye tsamba inotevera ne insurer. Yeuka, chikwereti chako chikwata chiri pamutsara zvakangofanana neicho chikuru chevakwereta, saka iva nechokwadi chokuti iwe unogara uine ruzivo.
Iva wakagadzirira zvakanyanya. Sezvo iwe uchange wakanyatsokwereta chikwereti chemari kana chikwereti chikuru chikakundikana kubhadhara mari, iva nechokwadi chokuti une mari yezvemari inowanikwa kuvhara mari yekuwedzera yemwedzi inogona kuguma.
Kubvumirwa kubva kune chikwereti. Iwe unogona kukwanisa kubvumirana zvishomanana kubva kune chikwereti asati abvumirana kuisa. Semuenzaniso, uyo anokweretesa angave achida kungoita kuti iwe uve nemhosva yekubhadhara mukuru wechikwereti, uye kwete kwemhosva yekubhadhara mari kana mamwe mari. Iwe unogonawo kukumbira kuti uyo anokweretesa akuudze iwe zvakananga kana wekutanga wekukwereta achinge apera kana kuti anowedzera kudarika mubhadharo rake pamwedzi. Iko chikwereti chinogona kuramba zvikumbiro zvako, asi hazvikuvadzi kubvunza.
Nguva Isingawanzoonekwi Apo Kuvepa Kunogona Kuva Wakanaka Kwavose
Kana usina chikwereti chekwereti uye hama yako yepedyo yepamusoro, imi mose munogona kubatsirwa nekugadzirisa mazano.
Munyaya inorondedzerwa neimwe yemabhizimisi makuru eUnited credit reporting, munhu ane nhanho asina chikwereti (kwete chakaipa chikwereti, iyo iyo nyaya yakasiyana) akakwanisa kuwana chikwereti chemotokari yemari ye 0% - kana chikwereti chakaitwa zita rehama uye pamwe naye sechinhu chinonyora.
Mumuenzaniso uyu, munhu ane ruzivo akakwanisa kutanga kuvaka chikwata chekwereti nekuda kwekubatsirwa kwehama yako yaakatendeka. Kana iwe ukazviwana uri mumamiriro ezvinhu akafanana, zvingave zvakakosha kurukura urongwa hwakadaro nehama asi pane kuora mwoyo pane tariro yekusakwanisa kutora chikwereti zvachose.
Kubhadhara chikwereti kwakazara nehungwaru uye kunogona kukonzera kushungurudzika kukuru. Kana zvose zvichifamba zvakanaka, zvakadaro, zvinogonawo kuva chiitiko chakanaka chinosimbisa hukama hwemunhu. Ingova nechokwadi chokuti unonyatsonzwisisa dambudziko raunogona kuita usati wabvuma kusarudza. Uye yeuka, kana iwe usinganyatsogadzikana nehutano, usatya kutaura "kwete." Unogona kuguma kuponesa ukama hunokosha.