Mazano Okubhadhara Chikwereti
Chii chinotora kuti ubhadhara pasi yako chikwereti? Kune nzira dzakawanda dzakajeka, uye dzinotsanangurwa pasi apa. Usati wasarudza imwe, iva nechokwadi chokuti unonzwisisa kuti ungabhadhara sei chikwereti kare nemumwe munhu akakweretesa iwe wauri kushandisa.
Panogona kuva nezvibhadharo kana matanho chaiwo anodiwa kune uyo anokweretesa kubhadhara zvinhu zvakanaka.
Inoita Sense Kubhadhara Chikwereti Pakutanga?
Dzimwe nguva inyaya yakanaka yekubhadhara chikwereti, uye dzimwe nguva kune nzira dzakanakisisa. Ongorora zvinobudirira uye zvinotyisa uye wozoita chisarudzo chakanaka:
- Izvo zvinobatsira: Sei Kubhadhara Mari
- Izvozvi: Mavambo okutanga Mafiro
Iko nguva dzose pfungwa yakanaka yekuita nhamba dzimwe uye kuverenga kuti uchachengetedza zvakadini (uye zvichida kuwana zvakawanda zvinokurudzira). Ona kuti zvinhu zvinoshanda sei nemari yekubhadhara chikwereti, shandisa pre-yakavakwa Excel mvumo yekuverenga , kana kuverenga zvikwereti iwe pachako iwe pachako.
Ingotumira Mari
Nzira yakanakisisa yokubhadhara chikwereti mangwanani-ngwanani ndeyekubhadhara zvishoma (kana zvakawanda) zvichiwedzerwa pose paunogona. Ndicho chakaoma zvikuru kubvisa sezvo zvinoda kurangwa. Iwe unogona kunge uchifunga kushandisa rimwe remichina yakawanda iri pasi apa kana iwe usingafungi kuti unonamatira purogiramu.
Kana iwe uchida kubhururuka nechigaro chebhandi rako - uye une chivimbo chokuti iwe unogona kubhadhara chikwereti iwe pachako - kungotumira zvikwereti zvakare .
Isawo chinyorwa necheki yako achiti 'Kumbira kune gurukota'. Nenzira iyo, wako chikwereti haazovhiringidzi; ivo vachaziva kuti uri kuedza kubhadhara mari yakawedzerwa, uye vanogona kukutaurira kana pane chimwe chinhu chinofanira kuitika zvakasiyana.
Chimwe Chekuwedzera Kubhadharwa
Iwe uchabhadhara zvikwereti nokukurumidza nekuwedzera imwezve yebhadharo yemwedzi wega wegore.
Kana kukweretwa kwako pamwedzi kune $ 1200, unofanira kuripa imwe $ 1200 imwe nguva panguva yegore. Iwe unogona kushandisa mari kubva pakubhadhara mutero kana bhonasi.
Kana iwe wakaita sevanhu vakawanda, zvinogona kuva zvakaoma kuti uuye nemari yekuwedzera. Imwe nzira ndeyekuparadzira kubhadhara kwekuwedzera kunze kwegore rose. Gurai mutero wenyu wegore negore ne12 uye wedzerai mari yacho kumwedzi mumwe nomumwe kubhadhara. Mari yako ye $ 1200 ichasvika $ 1300 kubhadhara (1200 yakaparadzaniswa ne12 yakaenzana ne100; 100 pamwe 1200 yakaenzana 1300).
Chengeta Chikwereti ne Biweekly Payments
Iwe unogonawo kubhadhara chikwereti kuburikidza nekubhadhara vhiki mbiri mbiri pane mwedzi woga woga. Iwe uchagumisa kuita chikwereti chimwe chekubhadhara chikwereti gore rimwe nerimwe . Kana iwe uchibhadhara chikwereti nebhadharo raakaroek, iwe haufaniri kuona kuchinja kukuru kune mari yako yemwedzi. Zvisinei, iwe uchaona kudarika kunoshamisa apo iwe uchibhadhara chikwereti kwemakore.
Lender Programs Kubhadhara Chikwereti
Mutero wako angave ane maitiro akawanda angakubatsira iwe kubhadhara chikwereti nokukurumidza. Aya mapurogiramu angada kuti iwe ubhadhe mari yakawedzerwa, saka chenjerera. Kana zvakakosha kwauri, enda mberi uye uripe mari.
Kana iwe usingadi mitero, tsvaga nzira yekubhadhara mari yakawedzerwa paunenge uchidzivirira mari. Iwe unogona kugadzirisa zvinowanikwa pamwedzi pamwedzi mubhadha rako rekubhadhara mari rebhadhiro system.
Iva nechokwadi kuti checks inosanganisira nheyo inoti 'Kumbira kune mukuru' muMemo line .
Mamwe makambani, kunze kwekwereti yako, achafarawo kutora mari yepurogiramu yekubhadhara chikwereti. Vanotengesa mapurogiramu epurogiramu uye zvirongwa zvokubata zvinhu zvose kwauri (kana kuti kukuudza zvaunofanira kuita). Iwe kazhinji haunzwisisi mabasa aya kunze kwekuti ivo vangazobatsira kugadzirisa chirango chinetso. Kana usiri kuitora nenzira ipi zvayo, ita chero chii chinoshanda - asi iva nechokwadi chokuti iwe unoponesa kupfuura zvaunopedza.