Chikamu chekubhadhara kadhi rechikwereti chinogona kukubatsira iwe kubhadhara chikwereti chakanaka chekwereti chikwereti chikwereti, asi chete kana ukasarudza kadhi rechikwereti chakanaka. Kuenzanisa kwekugadzirisa kunogona kupedzisira kuine mari inodhura kana isina kuitwa zvakanaka kana kuitwa achishandisa mari yakawanda yemakadhi. Usati watumira chikwereti kana kutoshandira kubhadhara kutengesa kadhi rechikwereti , iva nechokwadi chekufananidza makadhi ekwereti kuti asarudze zvakanakisisa.
Mutengo Wokutanga
Nhamba yakawanda inoshandura makadhi emakadhi echikwereti chakaderera kana 0% inotora chikwata chekuda kuwedzerwa.
Mutengo wekutanga unotapudza kana kupedza mwedzi mimwe mitengo yezvemari pakuderedzwa kwako kwemazuva emamwe nguva. Kusabhadharwa kwemari yemari kunoita kuti zvive nyore kwauri kubhadhara chikwereti chekadhi rechikwereti. A 0% chikwata chekutambira chakakosha, asi chikwata chakanaka-kufanana 2.99% - chakanaka zvakare.
Nguva Yokutanga
Nechemitemo, kuparidzirwa kwezvikwereti zvinodiwa kunofanira kupedza mwedzi mitanhatu, asi mamwe makadhi emakadhi anopa matanho ekutanga kusvika 18, kana kunyange mwedzi 21. Iko nguva yakatangira iri nani nokuti inokupa nguva yakawanda yekubhadhara chikwereti chako pasina chido.
Kugara Kwema Balance Kudzingisa APR
Kana imwe nguva yekutangira ichipera, iwe uri kubhadhara chikwereti pabhadharo yekushambadzira nguva dzose (iyo dzimwe nguva yakafanana neyokutenga muzinga). Iwe haugari kupedzisa kubhadhara chikwereti chakakwirira-chekuita mushure mekupedza nguva yekutsvaga, kunyanya kana nguva yekutsvaga isina nguva yakareba iwe kuti iwe ubhadhara chikwereti chakakwana chekuendesa.
Zvakatengwa APR
Makadhi emakadhi echikwereti anopa purogiramu yakafanana yekutenga kwako uye kutengesa kushandiswa, izvo zvinoita kuti chipo chacho chiwedzere kuwedzerwa. Zvisinei, kutanga kwatenga kutengesa kunogona kukurwisa iwe. Kana uri kukwidza mhaka pamakadhi nokuti kune chikwata chekutsvaga, uri kushandira chero huripo kuedza kubhadhara chikamu chekutengesa.
Mari Yekubhadharisa Mari
Kubhadharisa mari yekubhadhara kunowanzosvika 3% kusvika ku5% yemari yaunotendesa kana zviduku zve $ 5. Iko huru yakaderedzwa, iyo yakakwirira mari yako ichave. Chinonyanya kukosha ndechokuti mari yekubhadhara mari inoshandiswa hairegi kutora mari yekuwana mari yaunogamuchira kuburikidza nekufambisa chikamu chako. Kana iwe ukawana kadhi rechikwereti risingabhadhara mari yekubhadhara mari, funga zvakasimba.
Zvingave Unofanirwa
Usafungidzira kuti nokuti iwe unogamuchira mupiro we 0% mutengo wauchazobvumirwa. Kadhi kadikiti vanotumira vanhu kutumira maitiro ekugamuchirwa kunowanikwa kune vatengi vanosangana nezvimwe zvidzidzo zvinokosha. Paunoshandisa, mutori wemakadhi achatora zvakadzama nezvekwereti yako, chikwereti, nezvimwe zvinhu kuti uone kana iwe unokodzera. Pane mukana wekuti iwe haungagone kuwana chikwata chepasi-chikwata chebhadharo kutengesa. Kazhinji, zviri nani mhenda yako yechikwereti, zvinonyanya kukosha kuti iwe uchakwanisa kubhadhara mari yekugovera.
Nguva yekudhinda
Mamwe mararamiro anotumira makadhi emakwereti anoda kuti iwe uwedzere mari yako mukati meimwe nguva, semuenzaniso 60 mazuva ekuvhura kwebhuku, kuti uwane mutengo wekutsvaga. Kana nokuda kwechimwe chikonzero iwe usati wakagadzirira kutamisa chikamu chako pakarepo, unofanira kumirira kuisa kadhi kadi kana kusarudza kadhi rechikwereti risingatsvaki kuti uende mberi.
Chikwereti cheKadhidhi
Iwe kazhinji haugoni kutamisa zviyero pakati pemakadhi emakadhi ane kambani imwechete. Saka, sezvaunotarisa kubhadhara kutengesa makadhi emakadhi, chengetedza makadhi akabudiswa nemunhu anenge akwereta sezvaanoda kutumira.