Munhu wose anokweretesa mari uye anotora chikwereti, asi kazhinji mabhanki. Vanoshandisa mari yacho kubva pakachengetedza kana kutarisa mabhengi kuti vawane mari yechikwereti. Vanobhadhara chido chekuda kukurudzira vanhu kuti vaite mari.
Mabhanji anotengesa vateresi chikwata chechikwata chapamusoro kupfuura chavanobhadhara vanoisa mari kuitira kuti vagone kubatsirwa. Panguva imwe chete, mabhangi anokwikwidzana kune vose vanoisa mari uye vanokwereta. Mukukwikwidza kwakakonzerwa kunochengetedza chido chekuda kubva kumabhanga ose mune rumwe rutivi rwakasiyana rwemumwe.
Nharaunda dzeHindu dzinoshanda sei
Bhangi inoshandisa chikwereti chekufarira kune chikamu chaicho chisingabhadharwi chikwereti chako kana kukwereta kadhi rechikwereti . Zvakakosha kuziva kuti chido chako chinodini. Ndiyo nzira chete yekuziva kuti inowedzera sei kune chikwereti chako chakanaka . Iwe unofanirwa kubhadhara zvisingadi mwedzi mumwe nomumwe. Kana zvisina kudaro, chikwereti chako chakakura chichawedzera kunyange iwe uri kubhadhara.
Kunyange zvazvo chikwata chekufarira chichikwikwidza zvikuru, hachisi chakafanana. Bhengi ichabhadhara mari yepamusoro yemari kana inofunga kuti pane mukana wakaderera chikwereti chichabhadharwa. Nokuda kwechikonzero ichocho, mabhangi acharamba achipa chikwata chapamusoro chekutora zvikwereti, sekukwereta kwemakadhi.
Aya marudzi ehukwereti anodhura zvikuru kutarisira. Mabhandiwo anotora mazinga akareba kuvanhu vavanofunga kuti hazvina ngozi. Zvakakosha kuziva kuti chikwereti chako chikoro ndechei uye chekuvandudza sei. Iyo inokunda chikamu chako, yezasi inotora chikwereti chaunofanira kubhadhara.
Mabhanji anotengesa mitero yakatarwa kana kuti mitengo yakasiyana.
Izvo zvinoenderana nokuti chikwereti icho chikwereti, kadhi rechikwereti, kana kuti mari isina kubhadharwa. Izvo zvikwereti zvekuda mari zvinotaridzirwa nemutengo wemakore gumi weHaimari yeHurumende kana nehuwandu hwemari inotengeswa .
Fixed rates inoramba iri yakafanana mukati mehupenyu hwechikwereti. Mari yako yekutanga inowanzova yekutora chikwereti. Sezvo nguva ichienderera mberi, iwe unobhadhara chikamu chikuru uye chakakwirira chechikwereti chikuru. Kana iwe ukabhadhara chikwereti, zvose zvinoenda kunotungamiri. Iwe unogona kubhadhara chikwereti kubva pakarepo nenzira iyo. Zvizhinji zvezvikwereti zvitsva zvinowanikwa zvakagadziriswa-mubhadharo wemari.
Mitengo yakasiyana-siyana inoshandiswa neyo prime rate. Kana mukana wacho uchikwira, ndizvo zvichaitawo kubhadhara chikwereti chako. Nezvikwereti izvi, iwe unofanira kubhadhara kune zvakakosha, iyo inowanikwa kune yakadyiwa mari yehuwandu. Kana iwe ukabhadhara mari yakawanda, ichaendawo kune kubhadhara mutungamiriri.
Kunzwisisa APR
Apo APR inomiririra gore rega rega purogiramu . Iko inokubvumira kuti uenzanise mutengo wezvimwe nzira dzakakwereta. APR inosanganisira chero mari yebhanji inogona kutengesa. Iko-iyo yemari yenguva inonzi "mapepa" nokuti iyo bhangi inovaverenga se peresenti yepamusoro yehuwandu. Apo APR inogona kukubatsira kuti uenzanise chikwereti icho chinongorayira chikwereti chechikwereti kune icho chinokwerera chikwata chechidiki chinowedzera uye mapepa.
Nharaunda dzeUkwereti Dhonza Economic Growth
Bhenji guru remunyika rinoshandisa nhamba yemari. MuUnited States, iyo inodyidzwa mari inoshandiswa ndiyo iyo inotungamirira kuwanda. Ndizvo zvikwereti zvinokwererana kune zvekubhadhara usiku humwe. IWatch Reserve inoda mabhenji kuchengetedza 10 kubva muzana yemari yose inenge yachengeterwa usiku humwe. Kana zvisina kudaro, vaizobhadhara penny imwe neimwe yavari. Izvozvo hazvibvumiri zvakakwana zvechirwere chezuva rinotevera rokusununguka. Iyo inodyidzwa mari inoshandiswa inokanganisa mari yerudzi rwenyika uye naizvozvo hutano hwehupfumi.
Nharaunda dzinowedzera zvikwereti zvinodhura mari inodhura Kana zvikwereti zvikwira , vanhu vashomanana uye mabhizinesi vanogona kukwereta. Izvozvo zvinoderedza chikwereti chekwereti chinowanikwa kutenga mari yekutenga, kuderedza kutengesa kwevatengi. Panguva imwecheteyo, inokurudzira vanhu vakawanda kuchengetedza nokuti vanogamuchira zvakawanda pamutengo wavo wekuchengeta .
Nzvimbo dzakakwirira-nhanho dzinoderedzawo huwandu huripo hunowanika kuwedzera mabhizinesi, kupetwa kwekugovera. Izvi zvishoma nezvishoma zvinoderedza hupfumi.
Iko-inotora mutengo inofanirwa nechinopesana nehupfumi. Low mortgage rates ine maitiro akafanana nehutengo hwemaimba edzimba, kuwedzera kuda kwemaimba. Savings rates rates. Apo vaparidzi vanoona kuti vanowana mari shoma pane zvavanoita, vangasarudza kushandisa mari yakawanda. Vanogonawo kuisa mari yavo mumatambudziko mashoma, asi mari inobatsira, mari. Izvo zvinotungamirira zvigadziro zvematengo . Kudhura-kutora mari kunotora zvikwereti zvebhizimisi zvisingakwanisi. Izvozvo zvinokurudzira kuwedzera kwebhizimisi nemabasa matsva.
Kana vakapa zvikomborero zvakadai, sei iwe usingakwanisi kuchengeta maitiro pasi pasi nguva dzose? Nokuda kwechikamu chikuru, hurumende neFed inosarudza mari inotadzisa mari. Asi kuderera-kutora mutengo kunogona kukonzera kutengesa . Kana pane zvakawanda zvakanyanya, saka unoda kunze kwekugovera uye mitengo inomuka. Ndicho chimwe chezvinhu zviviri zvinokonzera kutengesa .