Vanhu vazhinji havazivi kuti chikwereti chinyorwa chinogona kuva nezvikomborero zvakasiyana pamabhangi. Hazvisi zvisingawanzwi kunzwa zvinonyunyuta pamusoro pemari yebasa, mutengo wemari uye zvimwe zvinhu izvo mabhangi anoita. Yeuka kuti iwe hauna kubatwa pamabhanki ako . Zvikwereti zvekwereti zvine vanhu vanonyunyutawo zvakare, asi kazhinji kunyunyuta kuri kuduku. Icho chinowira kune chokwadi chokuti pane imwe yebhizimisi yakasiyana yekuti zvikwereti zvekwereti zvinotevera. Izvi zvinoita kuti ivo vave shamwari yakawanda kupfuura yebhangi.
01 Zvikwereti zveMarikoni Itai Vatengesi Kutanga
Izvi zvinogona kureva kuti chikwereti chekoni chichava nemitemo inofadza kana iwe ukanganisa kana kuti uine chikwereti chakaipa chekwereti. Uyezve, unogona kuwana kuti vamiririri vanoda kukushanda newe kana iwe ukazviwana uri mumamiriro ezvinhu akaoma.
02 Lower Fees
Imwe yenzvimbo mabanki anoita mari iri mumari. Mari inoshandiswa nekweretheni yemubatanidzwa inofanirwa kuva yakaderera kune yebhangi. Mari yekufambisa yakaderera, uye kazhinji hapasisina mari yeATM inokwidzwa nekweretheni yemari. Iro mitemo yepamusoro-soro iri nani, sezvo mari yefredraft inowanzova muumbi mukuru wemabhengi. Mari yepamusoro inoreva kuti iwe unogona kuchengetedza mari kuburikidza nebhengi pane chikwereti chebato. Zvikwereti zvekwereti zvinofanira kukubatsira kuti urege kudzivirira mari yakawanda.
Mari yacho inogona kusanganisira mari yepamwedzi yebasa kana mari yekubhadhara chikwereti. Iva nechokwadi kuti uchenjere kuverenga mazano nemitemo yeimwe mari yaunogona kugumisa kubhadhara.
03 Nhamba Dzakanaka Dzinotarisirwa
Zvikwereti zvekodhesi zvinopa mari yakawanda yekuchengetedza uye kuderera kwechikwereti mari yezvikwereti Sezvo vasina kunyanya kufunga nezvekuita purogiramu, asi panzvimbo pfupi vanongoda kuvhara mari yekushanda vanopfuurira kune zvido zvinowedzera mari kune vatengi vavo. Nhamba yemari inogona kufara inogona kuva yakaderera zvakanyanya kune chikwereti, uye iwe unogona kukodzera kuwana zvikwereti zvakare kana iwe uchibhadhara zvakananga. Nhamba yezvibereko paidhaiti yepamusoro yakakwirira kudarika mabhenji akawanda emunharaunda, kunyange zvingasave yakakwirira semabhanki epaIndaneti.
Kubva sezvo chikwere chebato hachisi kunyanya kufunga nezvekutengesa purofiti, asi kushumira mutengi, zviri nani kukwanisa kuenzana nemari. Izvi zvinoreva kuti nhengo dzinoshandiswa zviri nani. Iwe unogona kukwanisa kuvhara mari yakawanda pamari yako yemari uye chikwereti.
04 Kuda Kushanda Nemi
Chikwereti chebvumirano chinogona kunge chiri chido chokushanda newe kana iwe uine chikwereti chakashata kana chakashata kana uchinetseka kuti uwane chikwereti. Vatariri vechikwereti vachasangana newe zvakananga uye vachishanda kuti vawane chikwereti chichakushandirai. Kana iwe uchida kuwana chikwereti, asi uine chikwereti chakashata chekwereti, ipapo chikwereti chebato chinogona kuva chakanakisisa chaunogona kushandisa. Vanogona kupawo mapurogiramu achakubatsira kuti uwane kutarisa bhajeti yako kana kuti uite kuti uvhare mari dzisingatarisirwi.
Kana uine chikwereti chakaipa, iva nechokwadi chokuti iwe unopinda uye unoshandisa chikwereti iwe pachako. Zvimwe zvikwereti zvekwereti zvine shanduro yepaIndaneti, asi kana iwe ukashanda mumunhu iwe une mukana wekutsanangura chero mamiriro ezvinhu angangokukanganisa iwe.
05 Kukodzera Kubatana
Zvikwereti zvekwereti zvine mitemo pamusoro pokuti ndiani angabatanidzwa navo. Mitemo iyi inogona kunge iri kurarama mune imwe nzvimbo yenyika, kushanda kune mumwe munhu wavanoshandira kana kuenda kuchikoro. Kana ukangoshamwaridzana nekwerekiti yemubatanidzwa iwe unogona kugara nhengo yehupenyu, kunyange kana iwe ukarega kusangana nemafuta ekutanga. Vanogona kunge vane chidimbu chekuti mune mari kana kugovera kambani inoramba yakasununguka kuitira kuti urambe uri nhengo yako. Kana uchinge uine iyo nhoroondo iwe unogona kukwereta mari, tanga gwaro rekuongorora kana kutora chikwereti chebato.
Zvinogona kutora tsvakurudzo, asi kuwana chikwereti chekwereti iwe unogona kushandisa chakakosha kuedza. Vashandi vakawanda vakura vanovapa. Kana iwe usingashandi kune mushandi mukuru, iwe unogona kuongorora kutarisa nzvimbo kuti uwane imwe.
06 Credit Union Guarantee
Makambani ezvokweretesa haasi eDFC , pane kudaro ane National Credit Union Association. Izvi zvinoita zvakafanana neDFIC kune zvikwereti zvekwereti. Iwe uchava nemari yakafanana yemari yakachengetedzwa sezvaunoda kana iwe ukazarura account yako nebhangi. Izvi zvinoreva kuti kana chikwereti chekambani chakakundikana iwe unogona kuva nechivimbo chemari yavo kusvika ku $ 250,000. Iwe unofanirwa kuve nechokwadi chekuti chikwereti chako sangano ndechechibvumirano, saka une zvivimbiso zvemari.
07 Kukanganisika kweCredit Union
Izvo chete zvinokonzera kukweretesa chikwereti ndechekuti vanoita kunge vashoma, zvinoreva kuti munogona kunge mune nguva yakaoma yekuwana bazi kana ATM kana iwe uri kunze uye pamusoro. Zvizhinji zvezvikwereti zvekwereti hazvizobhadhara mari yekushandiswa kweATM, asi iwe unofanirwa kubhadhara chero mari yeATM inofambisa. Kana iwe uchifamba zvakawanda kana iwe uchishandisa ATM nguva dzose, ipapo chikwereti chekwereti chingave chisina kunaka iwe. Imwe nzira ndeyekuti iwe uite huwandu hwebhengi rako kuburikidza nechikwereti chekwereti uye kuti uwane chechipiri chekuongorora kero yako yaunoshandisa kuvhara mari paunofamba.