Nepo bankruptcy ndiyo danho rokutanga rekugadzirisa zvakare chikwereti chakanaka, haugoni kungoisa mhosva uye kutarisira kufamba kwakakura. Iwe unofanira kushanda pairi. Zvichaenda kutora, uye zvichatora nguva, asi zvinogona kuitwa.
Chii Chinoita Kuti Uwedzere Chikwereti Chako?
Chikwereti chikoro chakavakirwa pamashoko akaunganidzwa pane imwe nguva yemwedzi nemakore. Mwedzi mumwe kana kunyange mwedzi mitanhatu yedata zvingave zvisingakwanisi kuti chikwereti chekambani kambani chibudise chikwata chisingakubatsiri iwe mari yakanakisisa yemari. Asi zvichida gore kana mbiri yedata icha. Kuti udzidze zvakawanda pamusoro pezvikwereti chikoro mushure mekufuratira ona:
Ko Bhengi Inobatsira Sei Chikwereti?
Iwe Wako Chikwereti Chikamu Chinokosha Mushure meBhenruptcy?
Heuno maitiro aunosvika ikoko. . . .
Chengetedza Zvikwereti Zvako Zvinoenderera Pa Nguva
Kuputsa hazvirevi kubvisa chikwereti chose. Zvimwe zvikwereti, kunyanya izvo zvakachengeteka, zvinogona kuponesa kubhadhara nokuti mukwereti ane kodzero yekutengesa kukosha kwechibvumirano. Izvi zvinowanzozivikanwa sezvezvezvekusimbisa .
Kazhinji, kugutsikana kunopukunyuka kubhadharwa nemashoko mamwechete iyo chikwereti chakanga chiripo. Saka, kana iwe uine chikwereti chemotokari paunopa Chitsauko 7 uye iwe uchida kuchengetedza motokari, iwe ucharamba uchitora sezvinotsanangurwa kunze zvinyorwa zvemari.
Nemhaka yokuti chikwereti ichi chinosimbiswa zvakare, kana kuti chisati chabudiswa, uyo anokweretesa acharamba achizivisa chikwereti uye kurapa kwako kwechikwereti mwedzi mumwe nomumwe kune masangano ekubika zvikwereti.
Kusimbiswa kunogona kufamba nenzira yakareba pakuvaka zvakare chikwereti chekwereti. Asi, zvinongoshanda chete kana iwe uchibhadhara panguva.
Funga nezveKadhi Yakachengetwa Kadhi
Nekadhi rakagadziriswa kadhi rechikwereti, iwe unoisa pamwe nemunhu anokweretesa chiyero chakaenzana kana chakaenzana chakaenzana nepamusoro pekwereti mutsamba pane kadhi.
Kana iwe ukarega kubhadhara, uyo anokweretesa anogona kuchengetedza mari yacho kuti iite izvo zvausina kuripa.
Vanhu vazhinji vanoona izvi hazvisi zvakasiyana nekushandisa mabhizinesi avo nekadhi rekubhadhara sezvo vachiri kuisa mari yekuisa. Asi pane zvimwe zvakasiyana zvikuru zvakasiyana.
Pamusoro pezvakaipa: mari yaunobhadhara iwe. Kazhinji, uyo anokweretesa achabhadhara mari yegore negore, zvichida mutero wekutarisira kwekugadzwa kwekambani, uye yepamusoro yeperesenti yegore. Kubvira sezvo mari iyo inowanzoshandurwa zvakananga nekambani, uye nokuti zvikwereti zvekwereti pamakadhi akachengetedzeka kazhinji zvakaderera-$ 300 kusvika $ 500 kuti atange, unogona kuwana zviri nyore neshoko rako rekutanga kuti hafu yekubhadhara kwako chikwereti yaenda kune kuvhara mari.
Pamusoro pechipfuva: mhaka yako yekubhadhara yemakadhi akachengetedzeka ichazoendeswa kumahofisi ekubvisa chikwereti. Izvi hazvisi chokwadi pamabasa ako ekadhi yemari. Pamusoro peshumo yako yechikwereti, kadhi yakachengetwa ichaita seimwe imwe nhoroondo. Kana iwe uchibhadhara maererano nemitemo yenyaya, chikwereti chako chikoro chichasimuka. Kana ukakundikana kubhadhara maererano nemitemo, chikwereti chikwereti chichawa.
Kuti uwane mamwe maverengi The Best Credit Cards Unogona Kuwana shure kweBafruptcy .
Kushandisa Mamwe Marudzi Ekubhadhara
Munharaunda yedu, vatengesi vemotokari vari kushambadzira zvikuru kune vanhu vangobva kubuda kubva ku bankruptcy.
Mwedzi mishoma mishomanana mushure mekugamuchira kubudiswa kwavo, vazhinji vevatengi vangu vachatanga kugamuchira tsamba kubva kune vatengesi vemugove kuti vavabatsire zvakare kusimbisa chikwereti kuburikidza nokutenga motokari panguva. Kubva pane zvandakaona, mazwi pamusoro pemhando idzi dzezvikwereti hazvisi izvo zvinopesana nemashoko anopiwa kune dzimwe nzvimbo dze subprime market. Asi ivo havasi zvinotyisa kana. Kunyange zvazvo vanhu vane chikwereti chakanaka chekwereti vanogona kuwana 5%, idzi zvikwereti zvinogona kuwedzera zvakasvika 18% kana kupfuura.
Vamwe vanhu vave nehovha kuwana kadhi rechikwereti kubva kune vatengesi. Izvi hazvisi nyore sezvazvakanga zvakaita kare apo dhipatimendi rezvikwata zvaive zvivako zvepamunharaunda zvakange zvichishanda zvakazvimiririra uye kwete chikamu chengetani yemakero akawanda, uye vakatakura makero avo eimba mumba.
Dzivisa Kugadzirisa Zvikwereti
Kutanga pane zvose, hapana chinzvimbo chekugadzirisa zvikwereti chingaita icho iwe haugone kuzviitira iwe uchibatsirwa nenhamba ipi zvayo yewebhu kubva mune zvidzidzo kana mabhuku kubva kuAmazon.
Kana ruzivo rwakakosha kana rwakazununguka rwuri kuoneka pamushumo wekwereti yako, kune matanho aungatora kuti agadziriswe. Kana ruzivo rwekwereti yako yekwereti risina kunaka, asi ruchiri rakarurama, harungagoni kubviswa zvachose.
Pasinei neizvi, kugadzirisa zvikwereti kunowedzera. Vanowanzotora mukana wekuti chikwata chekupa chikwereti chekwereti chichabvisa ruzivo rwakakakavadzana kwenguva yakati apo iyo nharo iri kuongororwa. Nekusawirirana kwemashoko asina kunaka kubva mumushumo, nhoroondo yako yechikwereti inogona kutarisa yakawanda kupfuura yakatarisa.
Asi, mukana ndewekuti, ruzivo rwacho ruchatorazve pamushumo wako kana kupedza kwapera. Zvikwereti kugadzirisa masangano vanoita mari yavo nekubhadhara mari dzinenge dzichienda, kazhinji kuburikidza nekubhadharwa kwemwedzi, kuti vavhare nharo dzinopfurikidza dzavanoshandisa kuti dzirambe dzakarurama, asi dzisina kunaka, ruzivo kubva pane faira rako.
Inongotora Nguva
Heino mhedziso: Zvinotora nguva. Pakupedzisira ruzivo rwakashata runodonha kubva kune chikwereti chekwereti. Kunyanya uye nokukurumidza iwe unogona kutora zvinyorwa izvi zvisina kunaka neakaunti itsva dzinoratidza kuti unogona kubhadhara zvikwereti zvako maererano nemitemo yavo, iyo inowedzera chikwereti chako chikwereti chichasimuka.
Yakavandudzwa April 2018 naCarron Nicks.