Izvo zvikwereti zvinozivikanwawo se "chikwangwani chezvikwereti" nokuti chiratidzo chako pachibvumirano chechikwereti ndicho chaunouya nacho patafura.
Iwe unopikira kubhadhara, asi iwe hausati watsigira chivimbiso ichocho nokuisa chibvumirano .
Mhando dzeZvimbiso Zvisina Kudzivirirwa
Chikwereti chisina kuchengetwa chinouya nenzira dzakasiyana-siyana.
- Marikiti yemakadhi ndiyo inowanzoita mari yechikwereti chisina kuchengetedzwa. Kunyange iwe usingafungi se "zvikwereti," unokwereta mari apo iwe unopedza nekadhi rechikwereti.
- Zvikwereti zvevadzidzi kakawanda hazvina kuchengetedzwa. Kunyange zvazvo vamwe vanhu vachibvisa mari mumisha yavo kuti vabhadhara chikoro, vadzidzi vakachena zvikwereti kuburikidza neDhipatimendi reZvundo havawanzochengeteki .
- "Iwe pachako" zvikwereti , zvinowanikwa kubva kumabhangi, zvikwereti zvemari, uye vatengi vepaIndaneti zvikwereti zvisina kuchengetedzwa zvaunogona kushandisa chero chinangwa chaunoda .
Enzanisa nekusiyanisa
Kuti kusimbise pfungwa yacho, zvingava zvinobatsira kutarisa zvikwereti izvo zvisiri zvikwereti zvisingabatsiri.
Kuzvikwereta kwemari inowanzochengetwa zvikwereti. Paunokwereta kutenga motokari (kana kukwereta pamusoro wemutoro wemotokari yako ), uyo anokweretesa ane kodzero yekutora motokari yako kana ukarega kubhadhara.
Mari yekukwereta kumusha inodzivirirwa zvakare.
Pasinei nokuti iwe unokweretesa imba yako yekutenga kana unowana chikwereti chechipiri , iwe unogona kutyisirwa kunze kweimba yako kuburikidza nekufananidzira kana ukakundikana kubhadhara chikwereti.
Zvikwereti zvebhizimisi zvinogona kuchengetedzwa kana kusachengeteka. Kana mukweretesi wako achida kuti iwe uite chitarisiko chako pachako , iwe unogona kutora imba yako kana zvimwe zvinhu semari.
Kunyange nezvikwereti zvakachengetedzwa, zvinogona kukuvadza chikwereti chako kana iwe ukamira kubhadhara. Ichokwadi chokuti uyo anopa chikwereti anotora mari yako haishanduki izvozvo.
Ichokwadi, dzimwe nguva vatengi vanozvitengesa, asi mari yekutengesa haina kukwana kubhadhara chikwereti chako. Kana izvozvo zvikaitika, iwe unorasikirwa nemari, unokanganisa chikwereti chako, uye uchiri nemari mari pachigadziro nekuda kwekushayikwa kwekutongwa .
Zvakare, vateresi vanokwanisa kutengesa mari yekuripira, iyo inowedzera mari yaunokwereta. Pakupedzisira, vateresi vanogona kutora matanho emutemo, uye vanogona kutora mari kubva kubhangi yako yebhangi kana kugadzirisa mubairo wako.
Kubvumirwa Kwemari Yakachengeteka
Kuti uwane chikwereti chakachengetedzwa, haufaniri kutora chero chinhu sechikwata. Pane kudaro, uyo anokweretesa achaongorora chikwereti chako chekubhadhara maererano nekukwanisa kwako kubhadhara (zvisinei nekwanisa kukwereta kutengesa zvinhu zvako uye kuunganidza zvaunokwereta).
Vatengesi vanotarisa zvinhu zvakasiyana-siyana kuti uone kana iwe ungangodaro uripira here kana kuti kwete.
Chikwereti chako: Vatengesi chengetedza chikwereti chako chekukwereta kuti uone kana wakabudirira kubhadhara zvikwereti munguva yakapfuura. Kubva pane ruzivo mune zvikwereti zvekwereti , kombiyuta inogadzira chikwereti chekwereti , iyo ndiyo nzira shoma yekuongorora chikwereti chako. Kuti uwane chikwereti chisina kuchengetedzwa, iwe unoda zvakanaka chikwereti.
Kana uchinge waita chikwereti chiduku munguva yakapfuura (kana iwe une chikwereti chakashata nokuti wakawa panguva dzakaoma munguva yako yapfuura), zvinoita kuti uvakezve chikwereti chako munguva.
Mari yako: Vatengesi vanoda kuva nechokwadi chokuti mune mari yakawanda yekubhadhara chero zvikwereti zvitsva. Kana iwe ukakumbira chikwereti (kana chakachengetedzwa kana chisina kuchengeteka), vateresi vachakumbira uchapupu hwekuwana mari. Mari yako yekubhadhara, mitero inoshandiswa, uye zvinyorwa zvebhangi zvingangopa uchapupu hunokwana hwekuwana mari. Zvadaro, vanokweretesa vanoongorora kuwanda kwemutoro wekubhadhara chikwereti chako chitsva chichave chakaenderana nemari yaunowana pamwedzi. Vanowanzoita izvi kuburikidza kuverenga chikwereti-kusvika-kuwana chiyero .
Kana iwe usingagoni kukwanisa kuwana chikwereti chisina kuchengetedzerwa chinobva pachikwereti chako uye mari, unogona kunge uine zvingasarudzwa .
- Co-signer: Imwe nzira ndeyokukumbira mubati wekubatidzira kuti akubatsire kugamuchirwa, asi izvi zvinogona kuisa munhu wese mumamiriro ezvinhu akaoma . Mubatanidza uyo achava 100 muzana ane mhosva yekubhadhara chikwereti kana iwe usingakwanise kuzviitira chero chikonzero.
- Chikwereti chakachengeteka: Unogona zvakare kuedza kuvimbisa kubhadhara. Zvisinei, iwe unotarisana nekurasikirwa nehupfumi kana iwe usingakwanise kuchengeta nehomwe. Iwe unogona kutora zvinhu zvekunyama, asi iwe unogonawo kushandisa mari mubhengi rebhangi kana zvimwe zvezvemari kuti uwane chikwereti .
- Borrow zvishoma: Kana chikwereti chako-kusvika-kuwana mari chiri kukonzera matambudziko, chikwereti chiduku chinofanira kukonzera kuderera kwepamwedzi pamwedzi . Kana uchikwanisa kuita izvo zvaunoda nekwereti shoma, izvo zvingashanda zvakanaka kune wese.