Tsvaga basa
Chikwereti chekwereti mari inotarisirwa chaizvoizvo inowedzera kupfuura vaduku vakuru. Munhu wose anoshanda nokuda kwekadhi rechikwereti, vaduku nevakuru, anofanira kuva nemari yakakwana kuti akwanise kuwana kadhi rechikwereti , kunyange kana vane chikwereti chisina kunaka.
Mitemo haina kureva mari yaunenge uchida kubhadhara, asi kadhi rechikwereti vane zvikwereti zvavo (zvisingazarurwi) mirayiridzo inosiyana nekadhi rechikwereti. Kana iwe wakatsoropodza uye nokuti hauna mari yakakwana yekukodzera, uchawana tsamba mune tsamba inotsanangura.
Tsvaga kubatirana
Kana iwe usingagoni kukwanisa kuwana kadhi rechikwereti iwe pachako, imwe nzira ndeyokuwana mumwe munhu anopfuura makumi maviri nematanhatu kuti azobatanidza nekushandira kadhi rako rechikwereti. Mubatanidza wacho anofanira kusangana nezvakakodzera kuti vaviri venyu vabvumirwe. Mushure mokubvumirwa, iwe uye mubati wekubatanidza pamwe chete vanobatana nekodhi yemari yekwereti, kunyange kana mumwe chete wenyu achishandisa kadhi. Maitiro ako ekubatanidza kadhi rechikwereti rinobatanidza ichaitawo kuti iwe-co-signer chikwereti chekwereti uye vise versa. Kana muchengeti wekadhi asingatarisiki nekadhi rechikwereti, zvose zvekwereti yako yemakore zvichabatwa. Ichi ndicho chikonzero vanhu vakanyeverwa kuti vasataure .
Bvunza mumwe munhu kuti akuite iwe mushumiri ane kodzero pane kadhi ravo rechikwereti
Kuva mutenzi akagamuchirwa kwakafanana nokuva nekodhi kadhi rekwereti nemubatanidzwa wekodhi. Misiyano ndeyokuti, sevashandi vakagamuchirwa, hausi mumiriri wepamutemo wekodzero. Nhoroondo yekubhadhara inoratidzira pamushumo wekwereti yako uye inogona kukubatsira kuti uwane kadhi rako rechikwereti kana kadhi yemukadhi achishandisa chikwereti scoring model iyo inofunga vashandi vakagadzwa ( VantageScore inorega kugamuchira mvumo yevashandi).
Edzai kadhi rechikwereti rakachengetedzwa
Kana iwe uine mari yekuwana kadhi rechikwereti, asi kusava kwako kwekwereti yekwereti kukuchengetedza kubva pakubvumidzwa, funga kuwana kadhi rekwereti rakachengetedzwa . Rudzi urwu rwekadhi rinoda kuti iwe uite mari inoshandiswa sechibvumirano ichirwisana nechikwereti chekwereti. Kunyangwe iwe wakagadzirisa, iwe uchiri kukonzera kubhadhara kune chikwereti chaunowedzera. Iko inoshandiswa inoshandiswa chete kana iwe usina kukwana pane kadhi rechikwereti uye hauna kumbobvisa kukanganisa kwako pachako. Zvichienderana nekadhi rinobudisa, kadhi yako inogona kutendeuka kuva kadhi rechikwereti nguva dzose kana uchitarisira kadhi yako zvakanaka kwemwedzi 12 kusvika ku18.
Endai mubhadharo
Kadhi yakabhadharwa haisi kadhi rechikwereti mupfungwa yokuti iwe unowedzera chikwereti chekwereti, saka hazvizokubatsiri kuvaka kadhi rechikwereti uye haugone kutenga zvidhori kunze kwekuti une mari yemari pamapayiti ekubhadhara. Asi, kana iwe unongoda chidimbu chepurasitiki iyo inofanana nekadhi rechikwereti, somuenzaniso kuverenga hotera, kukodha motokari, kana kugadzira gasi kutenga pane pombi, kadhi yakabhadharwa ndiyo nzira yakanaka. Izvo hazvina chikwereti kana mari inotarisirwa. Iwe unofanirwa kuita dhipatimendi kuti uzarure kadhi uye iwe unofanirwa kutorazve mari yakawanda kana wanyanyisa mari yako.
Kunyangwe iwe wakwegura zvakakwana kuti uwane kadhi rechikwereti pa18, unogona kunge usingagadziri kana uri zvakaipa nezvekushayikwa kwemazuva ekupedzisira, iwe unowanzopedza mari usati waita mazuva ekubhadhara, kana kuti iwe unoramba uchinyanya kubhadhara kero yako yekuongorora.
Asi, kana iwe uine mhaka nemari, unoziva sei kuchengeta mari yako mukutarisa, uye inogona kuita zvisungo zvako, iwe uri munzira yakarurama. Tevera izvi uye zvisingaiti zvekushandisa yako yekutanga kadhi rechikwereti.