Iko Ino Inguva Yokugadzirisa Here?
Apo Refinancing Inonyanya Kuziva
Kudzokorora kunowanzova pfungwa yakanaka apo ichakuchengetedza mari, kana kuti kana zvichizovandudza mamiriro ako ezvinhu (kunyange kana zvichida mari). Mienzaniso mishomanana yezvikonzero zvakanaka zvekugadzirisa ndeyekuti:
- Wana chidimbu chechibereko chepasi kana shoma shoma rekubhadhara chikwereti pashure pemitengo yakaderera
- Bvisa chikamu chechipiri chekutora chikwereti chakakosha
- Mvumo yekuwana chikwereti chiri nani pashure pokunge chikwereti chako chavandudzwa
- Isa pamwe nemari yakapfuma (zvichida nokuti mubhadharo wako wawedzerwa kana iwe unogona kuwedzera mari yemumwe wako kune mari yako yemhuri) uye kuwana zviri nani
Mune mienzaniso yose iri pamusoro, zvakakosha kuve nechokwadi chokuti iwe uchavandudza zvinhu. Kuwana mubhadharo wepasi pamwedzi hausi kukuchengetedza chero mari. Iyo inovandudza mari yako inoyerera mamiriro ezvinhu, asi inogona kuunza chaiyo yepamusoro yekutengesa mari kudarika nguva yako yeupenyu.
Kuti uwane mamwe mashoko pamusoro pekuti iwe kana kuti kwete iwe zvechokwadi uchachengetedza mari, ona Ndinofanira Kuita Refinance Here?
Refinance Usati Wa ...
Kana kugadzirisa kwakakosha kwauri, iva nechokwadi chekuti kugadzirisa kwako kubvumirwe kusati kwasvirwa zvimwe zvikwereti . Chikwereti chako chinowedzeswa zvishoma nguva yose yaunoshandisa chikwereti (ichi chinonzi kuongorora ), uye iwe unoda chikwereti chako kuti chakanaka sezvaunokwanisa kana iwe uchigadzirisa.
Mushure mekugadzirisa kwako kwakapedzwa, enda mberi utenge iyo motokari kana kushandisa iyo kadhi rechikwereti. Hazvisi zvishoma kuti kunatsiridza kunokanganisa zvikwereti (shure kwezvose, iwe watova nemari yako - iwe wakangoisvitsa pane imwe itsva). Izvo zvakasiyana kune izvi zvinogona kunge zviripo kana mari yako yepamwedzi inowedzera mushure mekunge iwe uchigadzirisa.
Kana, semuenzaniso, iwe unoda kuchinja kubva kune makore makumi matatu ekubhadhara mari kusvika kune makore gumi nemashanu, chikwereti chako chemwedzi chinogona kukwira (asi iwe uchapedza zvishoma uchifarira ). Zvichienderana nechikwereti chako chekuwana mari , chikwereti ichi chakakwirira chingaita kuti zvive nyore kuwana zvikwereti mushure mokunge uchinatsiridza. Kune rumwe rutivi, kana iwe ukawana chikwereti chemotokari musati wanyatsogadzirisa, iwe ungasakwanise kugadzirisa. Sarudza izvo zvinonyanya kukosha uye uwane chikwereti icho chakatarisirwa kutanga.
Izvo zvakare pfungwa yakanaka yekugadzirisa mberi usati wachinja mabasa . Vatengesi vanofarira kuona kugadzikana uye kusagadzikana kunobva kune mari. Iyo yakareba iwe wakashanda pabasa rako, zviri nani. Izvi hazvirevi kuti iwe haugoni kugadzirisa mushure mokunge uchitora danho (kana kunyange danho riri pasi, zvichienderana nekwereti yako nezvimwe zvinhu), asi zvakanakisisa kushanda kune chikwereti pawakave nemunhu mumwe chete panguva. Mukuwedzera, zvakaoma zvikuru kuwana chikwereti apo iwe pachako uchishanda; kana iwe uri kutsika pasi iyo nzira, iwe unofanira kuedza kuedza kugadzirisa usati warega zuva rako basa.
Nguva uye Economy
Refinancing inonyanya kukoshesa kana chido chekufa chikawa. Zvikamu zvezasi zvinoreva kuderedza mari yekudhara uye mari shoma (kunze kwekuti iwe uchiwedzera chikwereti chako nekuwana chikwereti chemakore makumi matatu emakore, somuenzaniso, izvo zvaizoita kuti mari yepamusoro inobhadhara).
Dzimwe nguva unogona kuwana kunyange chikwereti chemukwereti kwenguva shoma pasina mari yakawanda yebhadharo yako pamwedzi.
Asi inguva ipi yakakodzera yekukwevera mutambo? Unofanira kuzviita ikozvino here, kana kumirira kuti mitengo iende pasi? Hazvikwanisike kuziva mhinduro, uye kuedza kuita zvakanakira kune ngozi. Munowanzo, iwe unofanirwa kugadzirisa kana iwe ukasarudza kuti zvine musoro kuita saizvozvo. Iwe haufaniri kuputsa mutsipa wako uchiedza kuvhara purogiramu nokukurumidza, asi iwe haufaniri kukwevera tsoka dzako kana.
Mari inogara ichikwira uye ichidzika. Vanogona kudonha mushure mokunge iwe uchigadzirisa, uye izvi zvinosuruvarisa. Asi zvinhu zvinogona nguva dzose kuenda kune imwe nzira. Chengetedza chaunogona kudzora; kunatsiridza paunoona mukana wekuvandudza mamiriro ako ezvinhu, uye usati wakanamatira pakuwana nguva yakarurama chaizvo-hazvibviri kuona kumusoro kana pasi kwezvibereko zvekuda kusvika shure kwechokwadi.
Dzimwe nguva iwe uchange uine ruzivo uye dzimwe nguva iwe haungazoiti, asi zvinhu zvingangove zvisingakwanisi kupera nguva refu.
Apo Usingaiti Kudzokorora
Ndeipi nguva yakaipa pfungwa yekugadzirisa? Pane mimwe mamiriro ezvinhu iwe unogona kuzviwana iwe izvo zvinoita kuti zvive zvisingabatsiri kuwana chikwereti chitsva.
Kudhindisa refinancing kunonyanya kunzwisisika kana iwe ukachengetedza chikwereti kwekanguva. Iwe unofanirwa kubhadhara mari yekuvhara kana iwe uchigadzirisa; kunyange kana iwe usinyora cheki, inogona kuwedzerwa kune chikwereti chako. Iko mari inoparara kana iwe uchibvisa chikwereti nguva pfupi mushure mekugadzirisa (nekugadzirisa zvakare, kana nokutengesa imba yako nekubhadhara chikwereti, somuenzaniso). Kuongororwa kunobatsira kunogona kukubatsira kuona nguva yaunoda kuchengeta chikwereti.
Kubhadharwa kwekubhadhara kunogona kuparadzawo kubatsirwa kwekunatsiridza. Tsvaga kana iwe uchizobhadhara chikwereti, uye shandisa imwe nhamba kuti uone kana ichiri chikanaka. Kubhadharwa kwekubhadhara kwakaderera kudarika zvavaimbova, asi vachiripo pane zvimwe zvikwereti.
Iye zvino zvaunonzwa zviri nani pane nguva, tsvaka nzira yekugadzirisa nayo .