Usati watanga kushanda nechisimba kune chero rudzi rwechikwereti, iva nechokwadi chokuti uripo pane zvikwereti pane zvose zveakaunti yako. Hazvikubatsiri kunyatsorega kubhadhara chikwereti chimwe chete kuitira kuti iwe unogona kubhadhara imwe. Kwete kungowira shure kwekukuvadza chikwereti chako chikoro , zvichaitawo kuti zvive zvakaoma kubata nekubhadhara kero yako.
Kuti tibvunze kana kuribhadhara chikwereti chevadzidzi kana makadhi emarikiti kutanga, tichakanda zvikwereti kune umwe neumwe mune zvishomanana zvakakosha zvekubhadhara. "Anoshayiwa" munhengo imwe neimwe anowana pfungwa. Chikwereti chinonyanya kukosha pamagumo ndeye waunofanira kuripa pakutanga. Idzi ndidzo zvipo zvekubhadhara zvinofanira kuongororwa:
- Migumisiro yekusabhadhara
- Kugona kuti chikwereti chibviswe
- Kudzorera mafashoni
- Kusununguka kwekubata pane zviyero zvakapfuura zvakafanira
- Nguva yakareba inodhura yechikwereti
- Zvose zviyero
- Kutadza kubhadhara kunyange nechikwereti
Kwete-Mitezo Migumisiro
Zvikwereti zvose zvevadzidzi nemakadhi emakadhi ndiwo rudzi rwechikwereti chisina kuchengetedzwa .
Izvi zvinoreva kuti hapana chibvumirano chakasungirirwa kune chikwereti chakadai neine chikwereti kana chikwereti chemotokari. Kana iwe ukawa kumashure pamitero yako, uyo ane chikwereti kana mutero haangakwanisi kubhadhara chero imwe yenhumbi yako kuti agutse chikwereti. Izvo zvakasiyana nehurumende yemari chikwereti. Mune zvimwe zviitiko, yako yeHeral rebhadharo yemari inogona kubatwa kuti igutse kusagadziriswa kweVadzidzi vezvikwereti.
Kwete-kubhadhara pamarudzi maviri ematokari achachinja chikwereti chako. Pashure pemwedzi yakawanda yekubhadhara chikwereti, uyo ane chikwereti kana anokweretesa anogona kukwereta chikwereti chevatatu chikwereti kuti aite chikwereti. Iwe unogona kupomerwa nekuda kwezvikwereti zvakapfuura uye mutongo unogona kukonzera kutongwa kwako. Nekutonga, dare rinogona kupa muchero wemari kana kubhadhara kwebhangi. Iyi nzira inounganidza inogona kuitika nechekare nekuda kwekadhi yemakadhi kana kubhadhara chikwereti chevadzidzi.
The Verdict : Kubhadhara kwekubhadhara mitero kunotora kunoita kusabhadhara mari yechikwereti zvishoma nezvishoma. Zvikwereti zvevadzidzi zvinowana pfungwa munharaunda iyi.
The Score : Mari Yevadzidzi: 1, Kadhi Kwereti: 0
Simba reKuchengeta Chikwereti
Chimwe chekusiyana kukuru pakati pezvikwereti zvevadzidzi nemakadhi ekwereti ndiyo nyore nyore kuva nechikwereti chakabudiswa mubhadhadzi . Zvinokwanisika kuva nechikwereti chemari chikwereti chechikoro chakasunungurwa mubhengi, asi mutoro wehupatidzo hwakaoma. Iwe unofanirwa kuratidza kuti kubhadhara chikwereti chaizoita kuti ugare wakaderera pane huwandu hwehupenyu hwokuti urarame, kuti haugone kubhadhara chikamu chikuru chekubhadhara kwako nguva, uye kuti iwe wakatotadza (haana kubudirira) wakaedza kushanda kunze kweurongwa hwekubhadhara nemari yako. Iyi nhamba yehuchapupu haiwanzodiwa kuti kadhi rechikwereti rikwanise kubhadharwa.
Imwe chikwereti chemari yevadzidzi yakakodzerwa nehurongwa hwekuregerera huchabvisa zvimwe kana chikwereti chose. Iri rudzi rwechikwereti haruwanikwi nekwereti yemakadhi. Mune zvimwe zviitiko, kadhi rechikwereti rinokonzera chikwereti rinogona kubvisa chikamu chebhadha iripo sechikamu chechibvumirano chekugadzirisa chaunotaurirana. Zvisinei, idzi marudzi ekugadzirisa zvibvumirano hazviwanzove, hazvina kunaka nokuda kwekwereti yako, uye zvinowanzoitwa chete nekare nekuda kwekadhi kadhi rechikwereti. Kana iyo nhoroondo yako iri mumamiriro akanaka, kadhi yako yekubhadhara chikwereti haizofariri chibvumirano chekugadzirisa.
The Verdict : Zvikwereti zvevadzidzi zvinogona kukanganwirwa uye zvakasunungurwa pakuputsa (mune mamwe mamiriro ezvinhu). Marikiti yemakadhi anorasikirwa neizvi kubva pane zvingasarudzwa zvekuregesa chikwereti - kubhadhara uye kukwereta chikwereti - zvose zvinokuvadza kune chikwereti chako. zvose zvinokuvadza chikwereti chako.
The Score : Zvikwereti zvevadzidzi: 1, Kadhi Kwereti: 1
Kubhadhara Flexibility
Zvisarudzo zvekubhadhara zvikwereti zvevadzidzi zvakanyanya kufanana kupfuura izvo zviripo kune makadhi emakwereti. Vatengesi vanowanzova nemazano akawanda ekubhadhara iwe unogona kusarudza maererano nekukwanisa kwako kubhadhara. Semuenzaniso, vazhinji vanokweretesa vanopa hurongwa hwekubhadhara mari hunogona kuchinja zvichienderana nemari yako uye mari yako. Kushivirira uye kutaridzika ndezvimwewo zvingasarudzwa nemutengi wako angakupa iwe kana iwe usingakwanisi kubhadhara kana iwe unyoresa kuchikoro zvakare.
Marikiti yemakadhi ane mari shoma shoma yaunofanira kuita mwedzi woga woga kuchengeta kadhi rako rechikwereti rakamira zvakanaka . Iwe unogona kusarudza zvingabhadhara pane zvishoma kuti ubhadhe chikoro chako nokukurumidza.
Kana iwe usingagoni kukwanisa kubhadhara chikwereti chako chekubhadhara chikwereti, iwe hauna zvakawanda zvingasarudzwa. Vamwe vane kadhi rechikwereti vanopa zvikwata zvekuoma zvinoderedza chikwereti chenharaunda yako uye kubhadhara kwemwedzi. Zvinosuruvarisa, mapurogiramu aya anowanzowanikwa chete kana iwe wakatove wakarara kumashure pamari yako. Kupa zvikwereti zvekwereti kune imwe nzira yekushandisa mari yako yekubhadhara kadhi rechikwereti. Zvisinei, iwe unogona kutsvoda chikwereti chako chekwereti (zvichida kwekanguva) kana iwe ukapinda chirongwa chekutora chikwereti nechikwata chekubhadharira chikwereti.
The Verdict : Zvikwereti zvevadzidzi zvine zvimwe zvingororo zvekubhadhara zvaunogona kusarudza zvichienderana nemamiriro ako emari. Nemhaka yokuti makadhi emakwereti ane zvishoma zvingasarudzwa zvekubhadhara, iwe unofanira kuzvibhadhara pakutanga.
The Score : Zvikwereti zvevadzidzi: 1, Kadhi Kwereti: 2
Kubata Zvakaitika Kare Nokuda Kwekuyera
Iwe une zvimwe zvingasarudzwa zvekubata pane zvakaitika kare nekuda kwekubhadhara chikwereti chemudzidzi. Mutero wako angakwanisa kudzorerazve kushivirira kubhengi yako uye inonyanya kubvisa chikwereti chako chakanakanganwa kare. Mukwereti angakwanisawo kuwedzera mari yakadarika yakatarwa yakadzokera muchikwereti chako uye kugadzirisa zvakare mari yako yemwedzi. Kunyange zvazvo izvi zvinogona kureva kukura kwepamwedzi pamwedzi, inokutora iwe.
Kana uchinge wawa kumashure pamakadhi ako ekwereti, iwe kazhinji unofanirwa kubhadhara yose yakazara yakazara nekuda kwekuunza kero yako ikozvino zvakare. Uyewo, kana kadhi yako yekadhi yekwereti inotorwa -yakasununguka , hapana chingaita kuti chidzose zvakare ikozvino uye uenderere nehomwe. Nekubhadhara chikwereti chevadzidzi, muteresi wako angakubvumira kuti udzosere chikwereti chako kuti uuye nayo ikozvino zvakare.
Mutemo : Sezvo zvakaoma kuti uwane zvikwereti zvekare zvekwereti uye chikwereti chekwereti chikwereti hachina kukwana, unofanira kubvisa zviyero izvi kutanga.
The Score : Zvikwereti zvevadzidzi: 1, Kadhi Kwereti: 3
Ndeipi Chikwereti Chinokosha Kwakawanda?
Marikiti yemari yemari yemari inowanzokwirira kupfuura yevadzidzi vechikwereti yezvikwereti zvinoreva kuti chikwereti ichi chinodhura. Semuenzaniso, chikwereti cha $ 10 000 chemudzidzi pa6,8 muzana APR inobhadhara makore anopfuura makumi maviri ingadai inodhura $ 8,321 muchibereko. A $ 10 000 kadhi rechikwereti pa17 muzana APR inobhadhara makore makumi maviri inodhura madhora 25,230 muchibereko! Uye izvi zviri kutora kuti zvikwereti zvose zviripo zvinoramba zvakasarudzwa panguva iyoyo. Iko nguva refu yemari inodhura inokwira kana chikwereti chichiwedzera.
Ikoko kunogona kuva nechimwe chepamusoro pakubhadhara chikwereti chemudzidzi chikwereti - mutero wekubatsira. Chikwereti chechikwereti chevadzidzi ndechekudarika-in-line kubviswa kwemutero zvinoreva kuti iwe unogona kutora kuderedzwa kunyange kana iwe usingaiti kuti iwe uzvitsaurire. Mutero wako wekubhadhara uye anogona kukupa mamwe mashoko pamusoro pekuti kutora chikwereti chevadzidzi kunobatsira sei mitero yako.
Chikwereti chechikwereti hachikwanisi kubhadhara mutero kunze kwekuti iwe wakashandisa kadhi rechikwereti nekuda kwemari yekudzidzisa. Iwe uchafanirwa kuchengeta zvinyorwa zvakajeka pamusoro pekuti wakashandisa sei kadhi rako rechikwereti uye chiyero chekufarira iwe unobhadhara gore negore.
The Verdict : Makadhi ekubhadhara mari anotora mari yakawanda uye hapana chakaipa kubhadhara chikwereti. Marikiti yemakadhi anorasikirwa uyu.
Zvikwereti zvevadzidzi : 1, Kadhi Kwereti: 4
Chikamu Chese Chekwereti Chega Chega
Zvinowanzoreruka kubhadhara zvikwereti zvako zvekadhi rechikwereti nokuti zvingangove zvakaderera pane zviyero zvevadzidzi vako. Kana uchida kugogodza zvikwereti nokukurumidza, kuisa pfungwa pakubhadhara kadhi rako rechikwereti kuchakubvumira kugogodza dzimwe nhoroondo nokukurumidza. Nenzira iyo, une zvikwereti zvishomanana zvokuita mwedzi woga woga.
The Verdict : Kana zvasvika pakukura kwechikwereti, iyo tayi sezvo zvichienderana nekukura kweyeri yako nechikwereti chimwe nechimwe. Hakuna chikwereti chinowana pfungwa.
The Score : Zvikwereti zvevadzidzi: 1, Kadhi Kwereti: 4
Nzira Iyo Vanokwereta Kuona Chikwereti
Chikwereti chekwereti chevadzidzi chinowanzoonekwa se "chikwereti chakanaka" nokuti chikwereti chikwereti chevadzidzi chinogona kuratidza kuiswa mune ramangwana rako. Inoratidza kuti iwe wakagamuchira huwandu hwedzidzo ichakubvumira kuti uwane mari yakawanda. Paunenge uchitsvaga chikwereti chitsva kana kadhi rechikwereti, chikwereti chechikwereti chevadzidzi hachizorevi zvakanyanya sewe kadhi rechikwereti chikwereti, icho chinoonekwa sechikwereti chakaipa.
Izvi hazvirevi kuti chikwereti chechikwereti chemudzidzi hachizokugadziri kukukuvadza. Zvinokwanisika kuva nechikwereti chakadaro chechikwereti chemari chikwereti chausingakwanisi kutenga chero mimwe mitoro yemitengo. Zvisinei, vateresi vanonyatsoremekedza chikwereti chechikwereti chevadzidzi pane chikwereti chekwereti chikwereti kana zvichiitika pakukubvumirai nokuda kwezvikwereti zvakakura sekutenga chikwereti kana kukwereta kwemotokari.
Mutemo : Makadhi ekubhadhara mari anorasikirwa nekodzero iyi sezvo yakanyanya kugadzikana kuti agamuchirwe kwemakadhi matsva ekwereti kana zvikwereti nekwereti yemari chikwereti.
The Score : Zvikwereti zvevadzidzi: 1, Kadhi Kwereti: 5
Saka Ndeipi Chikwereti Chaunofanira Kubhadhara Chekutanga?
Kuenzaniswa nezvikwereti zvekwereti, chikonzero chega chekubhadhara chikwereti chemudzidzi wako kutanga ndechokuti urege kubhadhara chikwereti icho chinogona kutungamirira kuti uve nemitero yako yekutora inotorwa. Zvisinei, kana zvasvika pamutengo wemari chikwereti, nzira dzekubhadhara, nezvimwe zvinhu zvinokosha, kubhadhara kadhi yako yemakadhi kunobatsira zvikuru. Kana ukangobhadhara kadhi rako rechikwereti chikwereti, unogona kushandisa zvose zvaunenge uchibhadhara kuitira kubvisa chikwereti chako chemudzidzi.