Ndeapi Mhando Yokubhadharwa Kwemari Iripo?

Nzira 5 Vatengesi vanogona kuchinja Mari yako

Mabhangi anogona kuchinja maringe ekukweretesa kwako kuitira kuti mari yacho iwane mari yakawanda. Iko kushandurwa kunowanzozonzi kubhadhara chikwereti, uye zvinogona kuva zvechigarire kana zvenguva. Tichakurukura nezvekuchinja kunogona kuitika pano. Nokuda kwechidimbu chekugadziriswa, kusanganisira nzira yekukumbira imwe kubva kune wako chikwereti, ona Chii Chiri Kuchinja Mari?

Mhando dzeMari Kuchinja

Chikwereti chinogona kuchinjwa nenzira dzinoverengeka.

Chinangwa chikuru ndechekuita kuti zvive nyore kwauri kuti urambe uchitora mari uye ugare mumba (uye, zvinonyanya kukosha, kudzivisa kutangira ).

Zvimwe zveizvi zviri nani kune vamwe - funga pamusoro peizvi zvingakubatsira iwe kunyanya kuti wakagadzirira paunotaura nemutengi wako. Vatengesi havasi kuzogara vachipa zvose izvi zvingasarudzwa, uye iwe unogona kutaurirana nekuramba uchikumbira kuti uwane migumisiro inobatsira (yakadai sekuderedza kukuru) - kana izvo zvingasarudzwa zviripo kwauri.

Kubhadharwa kwekubhadhara: mune zvimwe zviitiko, unogona kungovhara mashomanana ekubhadhara chikwereti, izvo zvinopa rubatsiro rwenguva pfupi kubva kune zvinetso zvenguva pfupi. Kana iwe uri-pakati pemabasa (pamwe nechokwadi chebhadhakiti iri pakatarisana) kana uine mabhizimisi mashomanana ekurapa kubhadhara, izvi zvingave zvakanaka. Iwe unofanirwa kuumba iyo zvikwereti pane imwe nguva kunyange. Mutengi wako anowedzera zvikwereti zvisingakoshi kusvika kumagumo ako chikwereti, izvo zvinoreva kuti zvichazotora mwedzi mishoma yekubhadhara chikwereti.

Uyezve, iwe uchabhadhara zvakawanda mukufarira nechisarudzo ichi.

Kurasika kwekutanga : inonyanya kukosha ndeyekuti mutengi wako aderedze chikwereti chemari yako. Nemashoko ari nyore, iwe unenge uine chikwereti chiduku pane chikwereti chako, uye iwe unogona kuwana mwero mutsva wegore negore zvichienderana nemari yako duku yemari. Iri sarudzo haruwanzowanika (asi nguva dzose inokosha kuedza) nokuti vatengi vanowanzokwanise kana kuti havadi kukanganwira chikwereti.

Kana iwe uine ruzivo rwakakwana kuti uwane mukana uyu, kurukura zvinorehwa nemutungamiri wemitero usati waenderera mberi.

Tarisa kuderedza: kana mukwereti wako achideredza chikwereti chechikwereti chakatengesa ( APR ) pane chikwereti chako, mari yako yemwedzi inobhadhara ichaderera zvakare. Chiyero chakatemwa chinogona kungova chenguva pfupi, saka iva nechokwadi chekuverenga tsanangudzo yemvumo yako uye kuronga mberi.

Nguva yakareba: wako chikwereti angakwanisawo kutora nguva yezvikwereti kana nhamba yemakore yaunofanira kubhadhara chikwereti. Kana iwe uchiri kubhadhara kwenguva yakareba, mari yako yakaderera iri pasi. Kunyange zvakadaro, iwe uchabhadhara zvakawanda mukufarira nokuti uri kuchengeta chikwereti kwenguva refu. Ona pasi apa kuti uwane mazano ekunyatsoziva kuti iwe waizobhadhara zvakadini.

Ongororazve chikwereti: iwe unogona kukwanisa kuchinja chikwereti kunze kune chikwereti chakasiyana. Semuenzaniso, iwe unogona kubhadhara chikwereti chiripo, uye uchitsiva nechikwereti chinouya nechikwereti chechibereko chepasi uye kwenguva refu yekubhadhara (izvo zvingaguma nekudhura kwepamwedzi kwepamwedzi). Zvakare, izvi zvinogona kutungamirira kumari yepamusoro yekutora pamusoro pehupenyu hwechikwereti, uye kugadzirisa mari yekugadzirisa zvinogona kudhura.

Kuti uone kuti kuchinja sei muzvikwereti, chirevo, uye chikamu chikuru chinopinda mubhadharo wako pamwedzi, ona Chete Amortization Calculator .