Iwe unogona sei kugutsira vanokweretesa kuti iwe wakakosha mari uye unogamuchirwa?
Ratidza kuti chii chaunenge uchichida uye uchitenga nevakwereta vakarurama kuti uvandudze mikana yako.
Cosigning Basics
Vatengesi vanoongorora chikwereti chako chekubhadhara chikwereti kuti chigadzirire kana vachifunga kuti iwe unogona kudzorera. Kuti vaite izvi, ivo vanotarisa zvinhu zviviri: zvikwereti zvenyu zvikwereti , uye mari yako inowanikwa kuti uite mari yekubhadhara chikwereti. Kana vasina kuvimba kuti iwe unogona kubhadhara iwe pachako, havazokubvumiri kukwereta pasina cosigner.
Cosigners anobvumirana kubhadhara kana ukakundikana - ivo zana muzana pachikwereti chechikwereti sewe. Pasina mubatsiri, vateresi vanogona kungounganidza kubva kwamuri , iyo inowanikwa chikwereti. Kuwedzera mutevedzeri zvinoreva kuti kune vanhu vaviri vanogona kuunganidza kubva (uye maviri mari inogona kuwana mari yekubhadhara mari). Dzidza zvakawanda pamusoro peKo Cosigning Works .
Mumwe mubatsiri ane chikwereti chakasimba kana mari yakawanda inogona kubatsira kubatsirwa kwako, asi unogona kukwanisa kukwereta pasina imwe.
Kana (Pakutanga) Iwe Haugoni Kubvumidzwa
Kana vanokwereta vachikuudza kuti haugoni kugamuchirwa iwe pachako, usangotora shoko ravo.
Pane mhinduro dzakawanda dziripo (dzimwe dzadzo dzinokurumidza kupfuura dzimwe).
Gadzira chikwereti: kana iwe usingakwanisi kutenga chikwereti pasina mushandi wekambani nokuti une chikwereti chakaipa, shanda pakuvandudza chikwereti chako. Kunyangwe iwe usina kungova nemukana wekugadzira chikwereti kana iwe wakarasikirwa nezvikwereti munguva yakapfuura, unogona kugara uchivaka - zvinotora nguva.
Ona kuti ungavandudza sei chikwereti chako . Kune vadzidzi nevanhu vasiri pasi pemakore makumi maviri nemashanu, iyo inonetsa. Edza kutora chikwereti chiduku chekwereti kana chikwereti chakachengetedzwa kubva kuchikwereti.
Rongedza zvikanganiso: dzimwe nguva kukanganisa mumakero ako emari kukubata iwe. Kubvisa zvikanganiso izvi kunogona kutungamirira kukurumidza kukurumidza mune chikwereti chikoro. Ona kuti ungagadzirisa sei kukanganisa .
Wedzera mari: mabhenji anobvumira kana kuti akaramba zvikwereti zvichienderana nekuwanda kwemari yako inogona kudyiwa nemwedzi wekubhadhara. Kuti vaongorore, vanoverenga chikwereti chekuwana mari , izvo vanoedza kuchengeta zvakaderera sezvazvinogona. Uine mari yakakwirira (kubva pane rimwe basa-nguva, somuenzaniso), iwe une mukana wakanaka wekuwana mvumo nokuti chikwereti chinoratidzika zvisingakwanisi.
Borrow zvishoma: vateresi vangangodaro vakaramba chikwereti chawakakumbira, asi vangakurega iwe ukwereta zvishoma pasina kuwedzera mutsigiri kune yako. Ngwarira dzimwe kuverenga kuti uone kuti mari yakasiyana yakadini inouya nemari yakasiyana-siyana yepamwedzi (zvichiita kuti chikwereti chakawedzerwa kune mari inowanikwa). Chimwe chikwereti chakanyanya kubhadhara chinogonawo kuvandudza chikwereti chako kuti chikoshese chiyero uye kuita kuti chikwereti chiwedzere kune vakweretesa.
Wedzera kutsvaga kwako: wakamboudzwa "kwete," asi kune vamwe vateresi kunze uko. Tenga zvakapoteredza nemasangano maduku, kusanganisira mabhandi emagariro uye zvikwereti zvemari .
Vatsva vatengesi vepaIndaneti (kusanganisira peer-to-peer vatengesi) vanodawo kushanda nevakwereta vane zvishoma kudarika-vakakwana chikwereti. Vamwe vatengesi vari muIndaneti vanobvuma zvikwereti zvichienderana nezvidimbu zvamakagamuchira, kunyange kana musati makambotora chikwereti kare.
Bhadhara chikwereti: chikwereti chako chikoro uye yako inowanikwa mwedzi miviri inoshandiswa nezvikwereti zvako zviripo. Kubvisa chikwereti kunoita kuti zvive nyore kwauri kuti uwane zvikwereti zvitsva nokuti hauzoneke kuti wakaiswa kunze , uye iwe unenge uine chikamu chimwe chete pamwedzi. Zvine zvikwereti zvakakosha semari chikwereti chemusha, "kuchengetedza nokukurumidza" pashure pokubhadhara chikwereti (kana kugadzirisa zvikanganiso) kunogona kukonzera kukwidziridzwa kwekwereti kwemazuva mashoma .
Chibvumirano chekuita: iwe unogona kukwereta kune imwe yenhumbi yaunayo, uchiishandisa sechibvumirano . Zvinosuruvarisa, iyi ingano ine ngozi - iwe unogona kurasikirwa nenhaka kana iwe usingakwanisi kubhadhara chikwereti (bhangi ringatora nzvimbo yako nekuitengesa kuti uwane mari yavo).
Kana ukwereta motokari yako, bhagheni inogona kuitora zvakare , uye vateresi vanogona kutarisa pamba pako kana iwe usingachengetedzi ikozvino pamusha wemari yakakwana.
Mari dzevadzidzi
Kana uri kuedza kuwana chikwereti chemudzidzi, iwe une dzimwe nzira dzakawanda dzokukwereta pasina cosigner.
Tanga nekutsvaga mapurogiramu emari ekubhadhara chikwereti chevadzidzi (inozivikanwawo seMitero yakananga) kuburikidza neHome Aid Office . Kuti uite kudaro, uchada kuzadza fomu yeF FAF uye kupa ruzivo pamusoro pemari yako. Vashandi vehurumende yezvikwereti ndivo zvikwereti zvinokweretesa zvikuru-zvinokwanisika zviripo - zvinenge zvisinganzwisisiki kana zvasvika pakubhadhara, uye iwe ungatowana rubatsiro kubhadhara mari yekutora.
Zvikwereti zveWorkord , kunyanya, zvingave zvakakosha. Vanowanikwa kwenguva yakazara, nguva-yenguva, vakapedza kudzidza, uye vadzidzi vepasi peducate. Chikwereti chako hachisi dambudziko, saka munhu wose anogona kuwana mari iyi pasina chikwereti (chero bedzi paunosangana nemitemo yakakodzera yeWorld loans).
Perkins zvikwereti zvakarewo mari yakanaka kune vakwereta. Chikwereti chako chikoro hazvina basa, asi kukwanisa kwako kuwana mvumo yePerkins kunogona kunge isina kukwana - iyo inowanika maererano nemari yekuda mari.
Kuti uwane mamwe mashoko, uye mazvikwereti aunowana mari yechikoro 101 .
Vadzidzi vezvikwereti vari voga: zvakanakisisa kutanga kutora chikwereti nehurumende yemari chikwereti. Kana iwe uchida zvinopfuura maximums akabvumira, iwe unogonawo kukwereta kubva kune vamwe vatengesi . Kunyange zvakadaro, vateresi vega voga vanogona kunge vachida kubatsirana (kunze kwekuti mune chikwereti chakakwana uye mari). Icho hachisi nguva dzose - uye iwe unogona kuwana mari uye chikwereti semudzidzi wekudzidza - saka nguva dzose inokosha kubvunza.