Kunze kwekuti iwe uchishanda nebhengi rekuInternet , mabhanga akawanda uye zvikwereti zvezvikwereti zvine nzvimbo dzepamusoro nevashandi, uye vanomhanya mahofisi ekufambisa nemaawa akawedzerwa kwevashandi.
Vanobhadhara sei zvose izvozvo? Mabhangi anowana mari kubva muzvikwereti (kana kukwereta nekweretesa), mari yebhasi, uye mamwe mabasa emari.
Chero pose paunopa mari kune imwe nzvimbo yezvemari, zvinokosha kuti unzwisise mabhizimisi ehurumende iyo uye kunyatsobhadhara zvakadini. Asi hazvirevi nguva dzose kuti mabhengi ari kubhadharwa sei. Zvechokwadi, pane nzira dzakawanda dzebhangi dzekuwana mari, kusanganisira kutenga mari yako uye mari yekubhadhara kune vatengi.
The Spread
Nzira yemadzitateguru yekuwana mari ndeyokukwereta nekukweretesa. Mabhangi anotora mari kubva kune vatengi (kunyanya kukopa iyo mari kubva kune avo vanoita mari), uye vanokweretesa kune vamwe vatengi. Icho mechanics inenge yakaoma zvakaoma, asi iyo ndiyo pfungwa yakawanda.
Bhadhara zvishomanana, pfuma yakawanda: Mabhanji anobhadhara chikwereti pane zvishoma zvakaderera mairi kune vanoisa mari avo vanochengeta mari mumabhuku ekuchengetedza, maCD, uye mari yemakethe maaka . Vanowanzobhadhara chinhu zvachose pamakero mukutarisa mabhuku.
Panguva imwecheteyo, bhagheni inokwereta mari yakawanda yezvikwereti kune vatengi vanokwereta (vachishandisa zvikwereti zvemusha, auto loan, student loans, mabhizimusi emari, nemamwe marudzi ezvikwereti).
Misiyano pakati pezinga rakaderera mabhengi aripo uye mari yakakwirira yavanowana inozivikaniswa sekupararira kana marita emabhangi.
Muenzaniso: Bhengi inobhadhara 1 muzana gore rega roga rega (APY) nemari mune mari yekuchengetedza. Vatengi vanowana bhadharo yemotokari vanobhadhara zvinenge 4 muzana (kana kupfuura, zvichienderana nezvikwereti zvadzo uye zvimwe zvikwereti zvechikwereti). Izvozvo zvinoreva kuti bhangi inowana zvikamu zvinenge zvitatu pamatengo aya - zvichida zvakawanda kupfuura izvozvo. Kunyanya nekwereti yemakadhi, iyo inogona kuwedzera gore rega rega yemari (APR) inenge 20 muzana.
Inotengeswa: Kana mabhanki akweretesa mari kune vamwe vatengi, bhenji rinowanzo "inopa" mari iyo. Asi mabhangi haasi kungoita mari nokuita zvikwereti kuvabereki vavo. Dzimwe mabhengi anowedzera zvakawanda mumhando dzakasiyana dzemari (mamwe emari iyo inoshandiswa yakajeka uye yakachengeteka, asi mamwe akaoma uye haana ngozi).
Mitemo inepo yekugadzirisa mabhengi emari angakwanisa kutamba nemari yako (kunyanya kana nhoroondo yako iri inshuwarisi yeDICIC ). Kunyange zvakadaro, mabhangi achiri kukwanisa kuwedzera mari nekuwana mari yakawanda nemari yako, uye iyo mitemo inowanzochinja munguva.
Mukuwedzera pakudyara mari, mabhengi ekubhadhara mari kune vatengi.
Mutevedzeri Mari
Somutengi, iwe unogona kunge uchiziva nezvemari inobata kutarisa kwako, kuchengetedza, uye dzimwe nhoroondo. Izvo zviyeuchidzo zviri kuve nyore kuwana dodge , asi mari ichiri kuita chikamu chakanyanya kubhadhari yebhangi.
Munguva yakapfuura, kutarisa kusununguka kwaive nyore kuwana, asi ikozvino mwedzi wekugadzirisa mari yekuchengetedza mari ndiyo inowanzo. Icho chinonyengera ndechokuwana iyo mari inokanganiswa .
Zvinyorwa zvePasky: Mabhenji anotorawo mari yekuita zvimwe zviito zvezviito uye "zvikanganiso" zvaunoita munhoroondo yako. Kana iwe wakasarudza-kupinda mune overdraft kudzivirirwa, ichakutora $ 35 kana zvakadaro nguva dzose iwe paunotora mari yako (uye iwe unogona kubhadhara mari iyo kunyange iwe wakasarudza ). Bounce cheki ? Izvozvo zvichakutora iwewo. Pane rurefu rurefu rwemhosva dzinouya semubairo webasa rekuita, kusanganisira (asi kwete kukwana):
- Mari dzeATM (kusanganisira mitero iyo bhangi yako inokwereta, uyewo mari kubva kubhangi ine ATM)
- Yakarasika kana kuba iya kadhi yokugadziriswa (uye mari inowanikwa nokuda kwokukurumidza kunounza)
- Kutanga kubviswa kubva kuCD
- Kubhadhara zvikwereti kune zvikwereti
- Kubhadharwa kwekubhadhara zvikwereti kune zvikwereti
- Inactivity fees
- Mari yepapepanhau zvinyorwa
- Mari yekutaurirana nemudzidzisi kana iwe uine kambani ine mari shoma
- Rega zvikwereti zvekubhadhara
Mari Yebasa
Mukuwedzera pakuwana mari kubva pakukwereta nekukweretesa, mabhangi anopa maitiro ekugadzirira. Iwe unogona kusabhadhara chero ipi zvayo, asi mabhengi akawanda evanhu (vanhu, mabhizimisi, nemamwe masangano) vanoita.
Zvinhu zvakasiyana pamabhangi ose, asi mamwe ematare anovhiringidzwa akanyorwa pasi apa.
Marikiti yemakadhi: Iwe unotoziva kuti mabhenji anotora chikwereti pane zvikwereti zvako zvezvikwereti, uye mabhenji anowanzobhadhara mari yegore kune vashandi vekadhi. Vanowanikwawo mari yekutsinhanisa mari kana "mari yekutsvaga" nguva dzose paunoshandisa kadhi yako kutenga kutenga (debit kadi kutengesa kunounza mari shoma kupfuura mari yechikwereti). Ndicho chikonzero vatengesi vangada kuti iwe ubhadhe nemari kana kadi ye debit, uye dzimwe nzvimbo dzinotapura mari iyo kune vatengi .
Cheki nemirairo yemari: Mabhangi anodhindisa chekuchecheti chechechi yekutengesa kukuru, uye vazhinji vanopawo mari yekuraira kwezvinhu zviduku. Mari yezviridzwa izvi inowanzotenderera $ 5 kusvika $ 10. Iwe unokwanisa kutorazve urongwa hwemunhu uye hwebhizimisi chekuongorora kubva kubhangi rako, asi kazhinji kazhinji hazvibhadhari kuti udzoke paIndaneti nekambani yekudhinda kambani.
Pfuma yekuchengetedza: Mukuwedzera kumabhengi emabhengi, mamwe masangano anounza michina uye mazano kuburikidza nevanopa mazano emari. Makomisheni nemari (kusanganisira zvinhu zviri pasi pemari yekuchengetedza) kubva pamabasa iwayo kuwedzera mari yebhangi.
Kubhadhara kushandiswa: Mabhenji anowanzobata mari yemabhizimisi makuru uye maduku anoda kugamuchira makadhi emakwereti uye zvipo zveACH kubva kuvatengi. Mwedzi nemwedzi uye-kutengesa mari yakawanda.
Kubhadhara kwakanaka: Kana bhizinesi rako richifunga nezvesvhavha kudhinda fake cheki nemashoko ako e-akhawunti, iwe unogona kuita kuti bhenji riongorore zvikwereti zvose zvinobuda vasati vabvumirwa . Asi, hongu, pane mari yeiyo.
Mari yekubhadhara: Zvichienderana nebhengi rako uye rudzi rwechikwereti, iwe unogona kubhadhara mari yekukumbira, mutero wekutanga kubva 1 muzana kana zvakadaro, zvishoma zvishoma , kana zvimwe zvikwereti zvekutora chikwereti. Mari iyo inowedzera kune zvaunofarira iwe uchibhadhara pachikwereti chako chemari.
Ko Zvakadini Nezvikwereti Zvekwereti?
Zvikwereti zvekwereti ndezvikwereti zvevanhu vanoita zvekambani zvinoshanda zvishoma kana zvishoma semabhanki. Vanopa zvinhu zvakafanana nemashandiro, vanowanzova nemhando dzakasiyana dzemari, uye vanoita mari inopa mari yakafanana (kuburikidza nekukweretesa kana kuisa mari mumisika yemari).
Izvo zvakati, nokuti ivo ndevane vashandi (kana kuti "nhengo") kusiyana nevanotsvaka kutsvaga mari, uye nokuti vari mitsva-isina kubhadhara, masangano emakwereti anogona dzimwe nguva kutevera mari shoma. Vanogona kubhadhara chido, vanobhadhara mari shoma pamabhadharo, uye vanoita mari yakawanda. Zvisinei, mamwe masimba emabhadharo anotora chikwereti uye mari yekubhadhara yakafanana neyeunogona kuwana pane imwe bhangi, saka zvakasiyana-siyana zvinongova unyanzvi.
Kuti uwane mamwe ruzivo, ona Maitiro Ezvinyorwa Zvebhengi .