Nzira Dzokuvandudza Chikwereti Chakwereta

Kuvandudza Chikwereti Chakwereta Chingaita Kuti Uwane Mari

Chikwereti chenhamba yako inhamba yakakosha iyo vatengi vanoshandisa kuitira kuti vaone kana kuti kwete kukuwedzera chikwereti kwauri, uye kuti chidimbu chechikwereti nemitemo yekwereti kana chikwereti. Iyo yakaderedza chikamu chako, zvishoma iwe uchazobvumirwa kune zvikwereti. Kana iwe uchibvumirwa, iwe unofanirwa kubhadhara chikwereti chakakwirira. Chikwereti chako chikwata chakakoromorwa kusvika muzvikamu zvishanu:

• Payment History - 35%
• Zvose Zvikwereti Zvakatengwa - 30%

• Kureba Kwekwereti Nhoroondo - 15%
• New Credit - 10%
• Rudzi rweKwereti muKushandiswa - 10%

Ita Zvaunobhadharwa Nenguva

Chinhu chimwe chete chinonyanya kukosha chaunogona kuita kuti uchengetedze chikoro chako chakakwirira, kana kuvandudza pane yako chikamu ndechokuti iwe ubhadhara nguva yako. Mari yekubhadhara ndiyo inonyanya kukosha iyo inoshandiswa kugadzirisa chikwereti chako chikoro. Mishonga iyo mazuva makumi matatu kana kupfuura akapfuura yakaratidza ichaonekwa pamusoro pehupoti yako yechikwereti uye zvisina kunaka inopindira chikoro chako. Aya maitiro asina kunaka anowanzogara pahupoti yako kwemakore manomwe.

Chengetedza Chikwereti Chako Chese Chengetedza Mukutonga

Nechipiri chikuru chechikwereti chekwereti yako chikamu chaunenge uine chikwereti, zvakakosha kuchengeta chikwereti pasi pesimba. Kana iwe iye zvino une chikwereti chakakura chechikwereti chakakosha, iwe unonyanya kukosha ndeyekurega kukwereta uye kushanda pakuderedza chikamu.

Izvi hazvisi nyore nguva dzose, asi nzira chete yekuvandudza chikwereti chako mamiriro ezvinhu ndeyekurega kukwereta kana kushandisa kadhi rechikwereti uye unoramba uchiita zvikwereti zvakakodzera izvo zvinoita kuti uwedzere mari yako.

Mukuwedzera, iwe unoda kufunga kuti mari yako yakawanda iripo inoshandiswa sei. Semuenzaniso, kuva nemakadhi akawanda emakwereti ayo akaiswa kunze, kana kuti pedyo zvikuru nemiganhu yavo ichakanganisa kushaya kwako. Mamwe makadhi emakadhi ane $ 5,000 uye chikamu che $ 1 000 pane chimwe nechimwe chichaona zviri nani kupfuura kadhi rimwe chete rine $ 2,500 chikamu uye $ 2,000 muyero.

Chengetai MaAkare Akare Akazarurwa

Urefu hwekodzero yekwereti ndeimwe yekubatsira chikwereti chikamu chinokonzera, saka zvinogona kuva zvakakosha kuti uchengetedze mabhuku akare mumamiriro akanaka akazaruka. Paunenge uchida kuchengeta nhamba yakazara yekodha isingakwanisi, dzimwe nguva inogona kukuvadza zvikwereti zvako kuti uvhare account yekare pane kuchengeta iyo yakazaruka, kunyange kana izvi zvinoreva iwe une mamwe mareji akazaruka.

Iva Akangwarira Paunenge Uchivhara Nhoroondo Itsva

Kunyange zvazvo chikwereti chitsva ndicho chinhu chakanyanya kukosha muchikwereti chako, ichiri chiitiko chinokosha chokufunga. Paunenge uchitenga chikwereti chitsva kana kadhi rechikwereti, ita yako kutenga mune nguva shoma shoma. Iwe hausi kuda kuti ripoti rako riratidze kuti iwe unogara uchitsvaga chikwereti.

Iwewo hausi kuda kuzarura chikwereti mariko iwe usingadi kushandisa. Zvinogona kunge zvichiedza kuwedzera izvozvo 10% kubva paunenge uzarura kadhi kadiki yekutengesa asi shoma shoma yaunenge uchichengeta inogona kuva isina basa apo maverengi akawanda matsva akadai seaya anowedzera kuderedza chikwereti chako chekwereti.