Unoda kukweta chikwereti chako kumatambudziko here? Aya mazano anobatsira
Mune gore rinowanzoitika, mutengo wevatengi anoshandisa zviuru zvemadhora pamatokari kubva kumakadhi emakwereti, zvikwereti zvemotokari, uye kutora chikwereti. Kubva muna 2015, vega veimba vaitora $ 15,762 mukwereti kadhi chikwereti. (Kubva: 2015 American American Credit Credit Debt Study by NerdWallet.)
Tichifunga kuti vazhinji makadhi emakadhi ane 15 - 25 muzana yehuwandu hwekuda, vatengi vari kuparadza mazana emadhora muchibereko gore negore.
Heano mazano manomwe anogona kukubatsira kubvisa chikwereti chako.
Itai Budget
Vanhu vanopinda muchikwereti nokuti vanopedza mari yakawanda kupfuura zvavanoita. Bhengi inokubatsira kudzivisa kuita izvi. Inokubvumira kuti uone mari yakawanda yaunowana uye uko mari iyo iri kuenda. Iko inokubvumira kuti uone nzvimbo dzauri kuparadza mari nokudya kunze kunotengesa zvinodhura kana kutenga $ 5 mukombe wekofi zuva rimwe nerimwe.
Gadzira vasina-mafupa bhajeti inokubvumira kuti iwe ubhadhara zvidimbu zvakadai semari yako yekubhadhara / kubhadhara mari uye zvishandiso. Isa pane zvimwe zvose kuti ubhadhara chikwereti chako nekukurumidza sezvazvinogona. Bvisa pakutenga zvinhu zvinodhura kusvikira wapedza kukunda chikwereti chako. Kuratidza vhudzi rako, kutenga mbatya idzva uye kudya paresitorendi kune zvigadzirwa zvepamusoro, zvisingaiti.
Bvisa Mari Yako Kwereti
Rega kushandisa kadhi rechikwereti kana une chikwereti . Tanga kutakura mari panzvimbo. Gara kune bhajeti rawakagadzira uye utenge chete zvaunogona kuripa nemari.
Marikiti yemakadhi ane mari yakakwirira. Vanhu chete vanofanirwa kutakura makadhi emakadhi ndeavo vanogona kudzivisa muedzo wokudarika mari. Kana iwe uchifunga kuti unogona kukurira mumuedzo, bvisa makadhi emakadhi kubva mumufananidzo zvachose. Siya makadhi ako kumba. Zvichiri nani, shandura makadhi ako ekwereti mubato rechando kuitira kuti iwe usakwanisa kuishandisa pamusana pekufungidzira.
Chengetedza Zvakawanda Kupfuura Zvishoma
Makambani ekadhi rechikwereti anobhadhara chikwereti chavanofarira, vachiziva kuti vashandi vakawanda vanoita kuti zvishoma zvivepo kubhadhara mwedzi mumwe nomumwe. Zvakanaka kune makambani ekadhi rechikwereti asi akaipa kuhomwe yako.
Ngatitii mune $ 5,000 mune kadhi rechikwereti chikwereti pa18%, uye iwe uri kungoita mari shoma ye $ 150 pamwedzi (3 muzana yemutengo wevose). Zvinokutora iwe makore matatu nemwedzi 11 kubhadhara chikwereti, uye iwe uchashandisa $ 2,000 chete pazvikwereti. Ndiyo mari yakawanda.
Vadzidzisi vemakadhi emakadhi emakadhi vanobhadhara mari yavo yose kubva pamwedzi kusvika pamwedzi. Kana iwe usingakwanisi kuita izvozvi, saka iwe unenge uchibhadhara pane zvishoma kubhadhara mwedzi mumwe nomumwe kusvikira chikwereti chapera.
Dambudziko Guru Kupfuura
Une kadhi rechikwereti rakakura? Vashandi vakawanda vanodzvinyirirwa nezvikwereti zvavo zvokuti havazivi kuti vanotanga kupi. Heano nzira mbiri kuti uzviite:
Nzira yeBlueball - Tanga nekadhi ine chikwereti chiduku. Fungisisa kubhadhara zvose izvozvi nokukurumidza sezvinobvira, kunyange kana zvichireva iwe unogona kungoita kuti pave nemari shoma pane mamwe makadhi emakadhi. Nokukurumidza chikwereti chaenda, zviri nani. Kana kamwe kadhi kadi kadiki yakabhadharwa, tanga utambo zvakare nechipiri-chiduku kusvikira makadhi ako ose aripo.
Nzira yekugadzirisa - Tanga nekadhi rine chikwata chakanaka. Kubhadhara iko nokukurumidza sezvinobvira, apo uchingoita kuti pave nemari shoma pane mamwe makadhi emakadhi. Kana imwe nguva chikwereti chako chakanaka chibhadhara, chengetedza zvose zvaunoita pakadhi uye wechipiri-yepamusoro yekutambira.
Renegotiate Mortgage Rates
Kudzokorora imba yako inotora chikwereti chekufarira kunoita kuti iwe uchengetedze mari yakawanda pamwedzi. Somuenzaniso, kana chikwereti chako chichidonhera kubva pa7% kusvika ku5% pane $ 150,000 chikwereti, iwe uchachengetedza $ 192 pamwedzi. (Ipapo iwe unogona kushandisa mari iyi pakubhadhara mari yako makadhi!)
Havasi vose vanogonazve kudzokororazve mari yavo, asi kana uri kutambura nematambudziko emari nekuda kwekurasikirwa kwebasa kana kurwara kwakakomba, vazhinji vanokweretesa vachadzokorora zvakare kana ichi chiri chekugara kwako kwekutanga.
Vakawanda vanokweretesawo vanobatanawo muImba Inoshandiswa Kuchinja Gurongwa neHerald Government.
Zvikwereti zvepurogiramu iyi zvinoreva kuti iwe unofanirwa kubhadhara $ 729,750 kana zvishoma kudarika mari inopfuura 31% paunotora chikwereti uye wakagamuchira chikwereti chako pamberi paJan 1, 2009.
Refinance Mortgage Rates
Refinancing ndeimwe nzira yevatenzi vemunharaunda vachitarisa kuti vabve mune chikwereti. Refinancing haibhadhara (kana kukanganwira) chikwereti chako. Pane kudaro, inogadziridza zvekutora chikwereti chako muchidimbu chinoderera.
Kunyangwe refinancing inounza pasi mari yako yemwedzi, iwe unofanirwa kubhadhara mari yekuvhara. Mari yekuvhara inopesana kubva mazana mashoma kusvika kune zviuru zvuru, zvichienderana nekukosha kweimba yako uye ukuru hwekutora mari yako.
Mune zvimwe zviitiko, mari yekuvhara inogona kunge inodhura kupfuura mari chaiyo yaunowana kubva pakunatsiridza. Enzanisa kuti iwe uchadzikinura zvakadini kuburikidza nekuderedza chido chezvibereko zvichienderana nezvamuchabhadhara pakuvhara mari. Sarudza chisarudzo chinokupa iwe chikuru chekuchengetedza, kunyangwe kana izvozvo zvichireva kusangana nekubhadhara kwepamwedzi pamwedzi munguva pfupi.
Tanga Kuchengetedza
Kana ukangopedza kubhadhara chikwereti chako chekwereti chikwereti, tanga kuisa iyo mari yakawedzerwa mubhuku rekuchengetedza panzvimbo yekukurumidza kunotenga chimwe chinhu chakakosha nekadhi kadhidhiro. Ita tsika yekuponesa mberi kwekutenga, panzvimbo yekuenda mune chikwereti kwavari.