Iwe haufaniri kumirira chero huwandu huwandu huwandu hwenguva usati watanga kubhadhara chikwereti chako chemotokari. Ichokwadi, iwe unogona kugadzirisa pakarepo mushure mekunge uchitenga-kunyange usati watanga kubhadhara kwako kwekutanga pamwedzi.
Ingova nechokwadi chokuti iwe unopedzisira uri nekutengesa zviri nani uye kuti haugoni kubhadhara zvimwe zve motokari yako.
Kuvandudza, iwe unoda:
- Chikwereti chitsva nemashoko ari nani kana mutengo kupfuura mari yako yaivepo.
- Tsanangudzo pamusoro pemari yako yaivepo, kusanganisira ikozvino yakwereta uye chikwereti chemari.
- Mashoko pamusoro pemotokari yako.
- Zvinyorwa zvekugona kwako kubhadhara.
Refinancing haisi nguva dzose inonzwisisika - kunyange iwe ukazoguma nebhadharo shoma. Asi kune mamiriyoni mamiriro ezvinhu apo refinancing chinhu chakanaka.
Nhamba Inofadza Inofanirwa
Kana iwe ukakwereta kune chikwata chechibereko chepasi, zvingava zvine musoro kugadzirisa. Iyo yezinga shoma (kutora zvimwe zvinhu zvose zvakaenzana) zvinoreva iwe uchabhadhara zvishoma pamotokari yako mushure mekunge iwe uchitora zvinodhaka zvekutora kuverenga. Nemhaka yekuti chikwata chekufarira chiri chikamu chekubhadhara kwako kwedzimwe mwedzi , kudiwa kwako kunofanira kuderera. Somugumisiro, iwe uchange uine zvishoma zviri nani mari inoyerera mwedzi mumwe nomumwe.
Kana iwe ukakwanisa kutora chikwereti chako chaipo chiripo nemukwereti wakafanana pamutengo wakaderera, zvakanakisisa kugadzirisa nokukurumidza sezvinobvira. Zvizhinji zvezvikwereti zvemotokari zvikweretesi zvemamortizing , zvinoreva kuti iwe unobhadhara chikwereti chakatarwa pamwedzi pamwe nekutora mari inowanikwa mubhadharo.
Iwe uchabhadhara pasi chikwereti chako kwenguva, asi mari yako yakawanda inofarira inobhadharwa pakutanga kwechikwereti - saka tora mukana wacho pasi nokukurumidza kupfuura gare gare kutanga kuderedza mari.
Imwe tafura yekugadzirira inogona kukuratidza kuti iwe uchaponesa zvakadini.
Zviri nani Kuwedzera Chikoro
Kana chikwereti chako chave chichivandudzwa kubva pawakawana chikwereti chako chiripo, une mukana wekuwana chikwereti chiri nani. Iwe unogona kukodzera kwezinga rakaderera, kuvhara pasi rakaderedzwa , kana kukwanisa kuwana muturidzi wekubvisa chikwereti.
Paunenge uchibhadhara panguva (kana zvinhu zvisina kunaka zvinowira mari yako yemarikiti mushure memakore manomwe kana kupfuura), chikwereti chako chinowedzera. Izvo zvikwereti zvinobudirira zvinogona kukwidza chikwereti chako chikwereti kusvika apo iwe une zvimwe zvasarudzo. Kunyange gore kana kuti nguva yakwana nguva yakakwana yekuona kuvandudzwa - saka zvakakosha kuziva kana zvikoro zvako zvakagadziridzwa zvakakwana kuti zvikwanise kuwana chikwereti chakanaka.
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Kudzorerazve kunogona kuguma nekubhadhara mwedzi pamwedzi, asi iyo haisi nguva dzose chinhu chakanaka. Kana iwe ukawana mari yakaderera sechikonzero chechidimbu chechibereko, iwe unogona kuguma uchiponesa mari (chero bedzi iwe uchigadzirisa pakutanga kwekwereta yako nguva). Kana iwe ukangowedzera makore kune chikwereti chako, iwe uchabhadhara zvakawanda.
Nzira Yokugadzirisa Nayo
Kuti uwane chikwereti chitsva, iwe unoda kushanda nekwereta itsva. Muzviitiko zvakawanda, chirongwa chacho hachina maturo - vako vakakweretesa vachashanda pamwechete kuti vaite zvose zviri shure, uye iwe unongoda kuisa shanduro.
Kuti agadzirire:
- Unganidza mashoko pamusoro pemari yako yaivepo. Mashoko ako achangopfuura kubva kune ako chikwereti achava nezvinhu zvose zvinodiwa.
- Wana ruzivo pamusoro pemotokari yako (kana iwe usiri kuzova nemotokari newe). VIN yako, inoita, muenzaniso, uye gore zvose zvingabatsira kuvapo.
- Wana uchapupu hwemari kuitira kuti vateresi vaone kuti iwe unokwanisa kubhadhara chikwereti chako chitsva. Mamwe mashoma paystubs achangodaro anofanira kunge akakwana, asi chengetedza nekwereta yako itsva kuti uwane mamwe mashoko.
Isa chikumbiro chako, pamwe chete nemagwaro akanyorwa, uye upindure kune chero ipi zvayo mibvunzo. Vatengi vese vanogona kukupa mhinduro pazuva rimwe chete raunoshandisa, asi mamwe masangano angada zuva kana maviri kuti aongorore chikumbiro chako.
Zvikanganiso Kudzivisa
Kudzokorora kungave kuchiedza, asi zviri nyore kugumisa kushandisa mari yakawanda kupfuura iwe unoda.
Dzivisa matambudziko anowanzoonekwa - kunyanya kana iwe uine makore mashomanana akasiyiwa pamotokari yako yemari.
Kutarisa izvi: Chikwereti chenguva refu chinowanzoreva kuti iwe uchaguma ubhadhara zvimwe zvemotokari yako. Zvinogona kuedza kuchinja kubva kune chikwereti chemwedzi makumi maviri nemashanu kusvika kumwedzi wechikwereti chemwedzi 72, asi iwe unogona kunge uchibhadhara zvakawanda mune zvekuda kwehupenyu hwechikwereti chakare kupfuura iwe kana ukasiya zvinhu sezvavari. Nguva yakareba inotungamirira kumitengo yakaderera-iyo inogona kupa rubatsiro rwakakosha mumari yako-inoyerera. Asi mari yakawanda yezvikwereti izvi ndeyepamusoro (izvo zvinopesana nekuti iwe unoona kubhadhara kwakaderera). Zvakare, tafura yekushambadzira inogona kukuratidza kuti kufarira kwako mari kunowedzera sei munguva.
Kufamba-svetuka: Kuwedzeredza hupenyu hwechikwereti chako kunotungamirira kune chikwereti chako chiri kukwira-pasi . Isa imwe nzira, iwe unenge uine chikwereti pane imwe yemotokari yako kupfuura zvakakosha. Kuti ubvise imotokari, iwe unofanira kunyora cheki kune wako chikwereti kana kuti ugare uchibhadhara pamotokari usisashandise zvakare, uye iyo haisi iyo nzvimbo yakanaka kuva.
Unofanirwa kuramba uchibhadhara (kuti urege kukuvadza kune chikwereti chako) kunyange kana motokari inoputsika uye isingagoneki. Zvakanakisisa kubhadhara zvikwereti nokukurumidza kuitira kuti ugone kutengesa zviri nyore (uye zvichida kutenga motokari yakasiyana, inodhura) kana zvichidiwa.
Kubhadharwa kwekubhadhara: Kunyange zvazvo isingawanzove nehotera yemari yakawanda mazuva ano, zvikwereti zvekubhadhara zvinenge zvichiripo . Iva nechokwadi chokuti hazvizokutengi iwe kuti ubhadhara chikwereti chako chiripo kare. Chirango chinogona kudya chero mari yaunowana kubva kune inowanikwa mudiki.
Kumirira kwenguva yakareba kuti urambe uchigadzirisa: Kana iwe wakashandisa nhamba uye iwe unoziva zvinonzwisisika kugadziridza chikwereti chemotokari, kumirira kunogona kukudhura. Mitengo inowanikwa zvakanaka pamotokari itsva, uye vamwe vateresi havazogadziri zvikwereti zvemotokari kune imwe nguva (makore manomwe, somuenzaniso). Iwe unogona kutowana "motokari itsva" yehuwandu kana iwe uchigadzirisa pakarepo mushure mekunge utenge kubva kune mutengesi uye uchishandisa mari yekutengesa. Kushandiswa kwemotokari yemotokari kunowanzopfuura kupfuura mitsva yemotokari itsva.
Kusabhadhara mari: Ramba uchibatanidzwa panguva yekugadzirisa mafungiro, uye usafunga kuti chii chakapedzwa. Unogona kufunga kuti chikwereti chako chiripo chakabhadharwa, uye iwe unogona kurega kutumira zvikwereti, asi chero nguva kunonoka mukugadzirisa kunogona kuguma nekubhadhara "kusina" kunokanganisa chikwereti chako uye kukwanisa kwako kugadzirisa. Iva nechokwadi nevatengesi vaviri musati mirega kutumira mari.
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Chero ani anokweretesa ane kukwikwidzana mari uye mari inokodzera kutarisa. Kune vakawanda vanokwereta, bhengi rekune imwe nyika kana kuti duku chikwereti chinonyanya kusarudzwa . Izvo zvikoro zvinowanzopa kupa mari shoma, uye zvinowanzowedzera kugadziriswa pamusoro pekukwereta kwechikwereti uye mari yechikwereti. Vatengi vepaIndaneti kune imwe nzvimbo yakanaka - unogona kutarisira zvinhu zvose pazvinonyanya kukoshesa uye kuwana mukana wakawanda paIndaneti.
Wana mazinga kubva kune vatatu vatengesi, uye ita zvose zvako kutenga mumavhiki mashoma. Apo vanokwereta vanobvunza mubhadhara renyu, chikoro chenyu chikoro chinowira zvishoma. Mibvunzo yakawanda inova dambudziko munguva yakareba, asi iwe hauna kupiwa mhosva pamatengesi ekutengesa - kungotumira zvose zvaunoshandisa mukati memazuva 14 kusvika ku30.