Chii Chikwereti Chinyorwa Chekudhinda?
Chikwereti chekunyora tsamba ndeye tsamba inotsanangura mushure wekubhadhara kwako nebhizimisi rawakashanda naro munguva yakapfuura.
Tsamba yacho inogona kupawo mamwe mashoko pamusoro pekombi yako, yakadai sehurefu hwehukama hwako uye rudzi rwebasa raunoshandisa. Kana uri shure kumashure (kana iwe unoita tsika yekubhadhara nguva pfupi), tsamba yacho inofanira kusanganisira iyo mashoko. Tsamba yacho ichauya kubva kune yako yakapfuura (kana inoramba ichiti) mupiro webasa uye enda kumushandi wako webasa.
Chikwereti chinyorwa chinogona kukubatsira kuti ugone kugamuchirwa nekuda kwebasa rinobva pane zvaunoita nevatengesi wawakashandisa munguva yakapfuura. Tsamba iyo munyori inonyanya "vhu" yekuti iwe, uye munyori wemutsamba anowedzera kugadzikana nekuwedzera chikwereti. Tsamba idzi dzinonziwo tsamba dzekwereti yakanaka kana "kumira zvakanaka."
Same sezvikwereti zvemari? Zvikwereti zvako zvemari yako zvakafanana nekwereti yekwereti tsamba, asi pane zvakasiyana zvakasiyana. Chikwereti chinyorwa chine mashoko akaunganidzwa kubva kune zvakasiyana-siyana (iyo data inonyanya kushandiswa kune chikwereti chekwereti ), uye ivo vari pasi pemitemo yakasimba yekudzivirira vatengi.
Chikwereti chinyorwa chekunyora tsamba hachina kunyatsogadzikana, uye chinopinda zvakananga kubva kune rimwe bhizimisi kuenda kune rimwe. Uyezve, tsamba idzi dzinobatsira pakugadzira chikwereti chebhizimisi.
Chikonzero Nei Uchida Chikwereti Chinyorwa Chekuda
Chikwereti chikoro uye nhepfenyuro dzinowanzoshandiswa kune zvikwereti zvevatengi, asi haisi iyo mhinduro yakarurama kune mamiriro ese ezvinhu.
Nzvimbo dzebasa: Kana iwe ukanyora kushanda segesi, mvura, magetsi, kana kushanda kwefoni, iwe ungada kugovera tsamba kuti uwane basa. Vaya vanopa maitiro vanowanzoda kuti iwe uite mari yako usati wapa maitirwo, asi zvingave zvichibvira kuwana mari yaidiwa yaived kana iwe uchigona kuratidza kuti une nhoroondo yekubhadhara vakadaro vanopa mazano panguva. Vashandi vehutano havawanzoshandisi zvikwereti zvekwereti zvechikwereti - havatauri zvikwereti kune zvikwereti zvekwereti, uye havangokumbira zvikwereti zvekwereti. Asi iwe unogona kubatsirwa kubva kune zvikwereti zvinyorwa zvinyorwa zvinoita chinhu chimwechete sechikwereti chakasimba chekwereti.
Zvikwereti zvebhizimisi uye vatengesi: Zvikwereti zvechikwereti zvakadai sezvikwereti zvekwereti zveFICO zvinobatsira kuvhota zvikwereti, asi hazvibatsiri kune zvikwereti zvebhizimisi (kunze kwekuti iwe ukashandisa chikwereti chako kuti chikwerere bhizinesi rako ). Bhizimusi chikwereti chikoro chiripo, asi mabhizinesi akawanda haaine chikwereti chikoro - kana zvikamu zvakaderera. Vatengi vanoda kuwedzera chikwereti chakafanana nemitemo yekubhadhara yemasikati 30 kana 60 inobva pane zvinotaurwa kubva kune vamwe vatengesi. Iyo huru uye ine mbiri yakawanda yezvinyorwa zvako, zviri nani. Apo iwe unokwanisa kushandisa chikwereti, zviri nyore kuchengetedza mari inoyerera uye kuchinja zvinhu mumari.
Kukwana chikwereti: Iwe haungakwanise kubhadhara chikwereti uchishandisa zvikwereti zvekwereti, asi dzimwe nzira dzechikwereti zvinogona kukubatsira kuti ugamuchire. Zvichida iwe hausati wanyatsosimba chikwereti chechikwereti , kana chikwereti chako chikoro chakanyanya kuderera kuti uwane mamwe mapurogiramu. Mune zviitiko izvi, kero yechikwereti chetsamba chinogona kubatsira. Semuenzaniso, unogona kukwereta kutenga kweimba nekunyorera pasi nekunyora zvikwereti zvakakwana.
Nzira Yokuwana Nayo Tsamba Tsamba
Tarisa zvido zvekushandisa: Kushandisa tsamba yekwereti yekwereti, bvunza yako itsva (kana ramangwana) chikwereti kana mutambi webasa izvo zvinodiwa mumutsamba. Tsamba isingasviki nemitemo iyoyo haingakuregi iwe. Mune zvimwe zviitiko, vateresi nevanopa mazano vanokupai template iyo vashandi venyu vekare (kana vanoramba varipo) vanozadza.
Iko mafomu anoita kuti zvive nyore kudzivisa kusakosha zvinhu zvakakosha.
Kumbira tsamba: Taura nemupiki wako anenge aripo kana mutengi uye akumbire tsamba yekutsvaga. Ipa chero template kana mirayiridzo yawakagamuchira kubva kune tsamba yakakumbira, uye bvunza kuti kwenguva yakareba sei kumirira tsamba yakadzorerwa. Kupa sampuli (kana kuti template inonyangadza) kuchaita kuti basa rive nyore kune munyori wekunyora.
Ipa mvumo: Kubvisa tsanangudzo pamusoro pekodhi yako, munyori wekunyora achawanzodikanwa mvumo yako. Muzviitiko zvizhinji, iwe unogona kupa iyo mvumo paIndaneti kana ne fax. Tarisa nemunyori wetsamba, sezvavanokwanisa kuti iwe ushandise mafomu avo kune chikumbiro.
"Kwete" ndeyekuti: Vanokwereta, vatsigiri vebasa, uye vatengesi havakwanisi kupa chikwata chekwereti panzvimbo yenyu. Somugumisiro, zvakanakisisa kubvunza zvakanaka uye kuita basa ravo nyore - ivo vanokuitira iwe nyasha. Kana mumwe mubatsiri webasa asingazogamuchiri chikumbiro chako, panogona kunge kune dzimwe nzira dzokunyora nhoroondo yako yekubhadhara (ona pasi apa).
Chii Chingabatanidza
Zvakare, tsamba yakakumbira inofanira kunyatsojekesa kuti chii chingaisanganisira mumutsamba. Kunze kwekunge munhu anokumbira kutumira fomu, tsamba yacho inofanira kudhindwa mumutsamba wemunyori tsamba. Zvinonyanya kukosha ndezvokuti:
- Urefu hwehukama: Wakagara kwenguva yakareba sei mutengi?
- Payment history: Unowanzobhadhara nenguva here, uye iwe zvino uri kumashure pabhadharo here? Wakave wakambove nekubhadhara kwenguva refu mumwedzi gumi nemaviri akapfuura here?
Zvisinei, mamwe mashoko anowanzobatsira (uye anokumbira).
- Rudzi rwebasa: Ndezvipi zvinotengeswa nemabasa unotenga kubva kumunyori wemunyori (kana iri mutsara wechikwereti , magetsi anogara, kana kuunganidza)?
- Mvumo yechikwereti: Chibvumirano chako chinoda here kuti iwe ubhadhara mushure memazuva makumi matatu, semuenzaniso?
- Tsamba yebasa: Kunyanya kwezvinhu zvinobatsira, kero uye rudzi rwebasa rinokosha. Mazita akawanda haasi kureva dambudziko (kana iwe wakatamira kakawanda paunenge uchishandisa mupiki mumwe chete).
- Nhamba dzeAunti: Nhamba dzeAkaunti dzinoita kuti zvive nyore kutarisa uye kuongorora tsanangudzo.
- Nhamba yekubhadhara yakawanda: Vaverengi vangave vachida kuziva kana iwe unowanzoita mahomwe makuru.
- Zvose kubhadhara mari: Wakabhadhara zvakadini paupenyu hwehukama hwako? Izvi zvinobatsira vafudzi kuti vaone ukuru hweukama hwenyu uye mari inoyerera.
- Mari yekupedzisira: Wakamboita mari yekupedzisira munguva (yapfuura chete kunonoka kwemaawa anopfuura makumi matatu nemazuva) here? Kana zvakadaro, kangani?
Zvakangoitika
Kune chikamu chikuru, tsamba inotaridzirwa inonamatira kune zvinyorwa zvakakumbirwa pasina kuwedzera mhinduro. Usatarisira munyori wekunyora kuti iwe uri munhu mukuru kana iwe wave uri shamwari inokosha (kunyange izvi zvingaitika).
Mabhizimisi anoramba kuudza zvakawanda kupfuura zvavanoda. Kana vakati "iwe haugone kuipa" nekuwedzera chikwereti, vanoisa mamiriro ezvinhu apo iwe unokundikana kubhadhara. Kana iwe uri kunyora tsamba yekwereti yekwereti, ipa ruzivo rwakarurama, uye usapedzisira ufanotaura uye zvinyorwa zvausingazokwanise kudzokera shure nehuchokwadi.
Mamwe Mafomu Ekusimbiswa
Kana iwe usingagoni kuwana zvikwereti zvekwereti zvaunoda, panogona kunge kune dzimwe nzira dzingaratidza kugadzikana kwako kwezvemari kana kuwana kugamuchirwa kwaunoda.
- Ratidza uchapupu hwekuwana mari: Bhinda stubs uye mutero unoshandiswa (zvichida netsamba inobva kumutengi wako wemutero) inogona kunyora zvaunowana, iyo inogona kushandura mune mano ako ekubhadhara.
- Zvinyorwa zvinyorwa: Kana uine zvinhu zvakakosha mubhengi rebhangi uye mamwe maakaiti, vateresi nevateresi vebasa vanogona kuva vakagadzirira kushanda newe. Izvo zvinogona kunge zvichibvira (kana kuti zvinoda) kubhadhara iyo zvinhu sezvibvumirano.
- Shandisa chikwereti chako: Chikwereti chako pachako chinogona kukubatsira kuti uwane zvikwereti zvebhizimisi uye mamwe maitiro ebhizimisi rechikwereti. Nevashandi vakawanda, iwe unotodiwa kuti uite chigadziro chako pachako kune zvikwereti zvebhizimisi , zvinoreva kuti chikwereti chako (kana pfuma yako) chiri pangozi kana ukakundikana kuripa chikwereti.
- Ratidza zvinyorwa zvako: Mushandi webasa anogona kunge asingabvumi kupa mvumo yekwereti yekwereti, asi izvozvo hazvirevi kuti kubhadhara kwako kwakanga kusina maturo. Iwe unogona kuedza kuratidza zvinyorwa zvezvakaitika zvakazadza pa-nguva yekubhadhara kumunhu anenge akumbira. Zvisinei, izvi zvinoda kuti munhu anenge achikumbira aongorore zvinhu zvose (ndicho chikonzero ivo vangada tsamba kubva kumunhu anenge atovabatsira).
- Ita mari: Dzimwe nguva dhomwe huru ndiyo yako chete yekusarudza. Mushure menguva ye--kubhadhara nguva, unogona kukwanisa kutenga iyo deposit yakadzorerwa kana kukweretwa ku account yako.
- Shandisa cosigner: A cosigner anogona kukubatsira kuti uwane mvumo kune chikwereti kana kuwana zvishandiso. Munhu iyeyo achaisa chibvumirano chako newe, uye chikwereti chikoro chavo uye mari inowanikwa ichabatanidzwa muchisarudzo chekubvumirwa. Nokuvimbisa kubhadhara, mubatanidzwa anotora ngozi yakawanda - ivo vachava 100 muzana vane mhosva yekuita chero mari yausingaiti.
Iwe pachako kana Unhu hunotsanangurwa
Chikwereti chekwereti tsamba yakasiyana nemunhu wega kana unhu hunotaridzirwa. Vamwe vanokweretesa, kunyanya mumashamba emari ekubhadhara mari yemari , bvunzai zvinyorwa izvi. Kunyange zvakadaro, kutaura kwako pachako hakutsananguri mhaka yako yekubhadhara - vanongotaura kuti iwe une mhosva uye unofanira kuwana chikwereti.
Sezvo iwe uchisvika pakusarudza uye kusarudza chikwereti chako zvinyorwa, iwe unogona kushandisa vanhu waunoziva vachataura zvakanaka pamusoro pako. Zvisinei, hausvike pakusarudza kambani yemagetsi munharaunda yako, saka iyo inowanzosarura tsime remashoko.
Sample Credit Reference Tsamba
Tsamba hazvidi kuti dzive refu kana kunyatsonyorwa zvakanaka. Zvose zvakakosha ndezvokuti iwe unosanganisira chokwadi chakakumbirwa.
Muenzaniso 1:
XYZ Company yave iri mutengi kubva muna 2008. Panguva iyoyo, kambani yakabhadhara zvizere uye nenguva. Isu hatina rekodhi yekubhadharwa kwekupedzisira kana zvimwe zvikumbiro zvakakosha.
Muenzaniso 2:
Jane Doe ave ari mutengi wevedu kubva muna 2008, kutenga zvigadzirwa pamashoko ekubhadhara mazuva makumi matatu. Kubva panguva iyoyo, akabhadhara mari ye $ 189,537. Haana kumbobhadhara mubhadharo, uye hatina kumbomira sarudzo yake nekuda kwekusabhadhara.
Muenzaniso 3:
ABC Company ine mutsara wechikwereti kusvika kusvika ku $ 200,000. Ikozvino mari yechikwereti pazera iroro ndeye $ 8,542. Sezvakanyorwa izvi, zvipo zvose zvakagamuchirwa panguva uye zvakakwana. Hatiratidzi chero zvikwereti zvinononoka pane account.
Ndiani Anogona Kupa Tsanangudzo?
Mutengi wako mushandi kana mutapi wenyika achaona kuti ndezvipi zvinyorwa zvinogamuchirwa. Mune zvimwe zviitiko, iwe unoda kushandisa rudzi rumwechete rwekutarisa: Kambani yegetsi inogona kutsva tsamba kubva kune wako anopa magetsi. Zvisinei, unogona kukwanisa kubva kune dzimwe nzvimbo.
- Zvishandiso zvakadai segesi, mvura, gorosi, magetsi, nemarara
- Vatsigiri vekukurukurirana vakaita sefoni, internet, cable, uye satellite
- Vatengesi (auto loan, home loans, uyewo)
- Vatengi kubhizimisi renyu
- Makambani eInishuwarenzi iwe unobhadhara miriyamu inowanzogara
- Varidzi venyika uye makambani ekubhadhara
- Gyms uye mamwe mabasa anobhadhara