Kunzwisisa Nzira Kubva Pakutanga Kusvikira
Ndedzipi Izvo Zvokubhadhara?
Danho rokutanga nderokuona zvaunoda. Rudzi rwechikwereti chaunowana runobva pane zvaunoronga kuita nemari. Zvimwe zvikwereti zvinowanzodiwa zvinosanganisira:
- Zvitoro zvekuzvitenga zvekutenga motokari
- Mari yechikwereti (mortgage loans), kusanganisira zvikwereti zvechipiri zvekutenga imba kana kukwereta kurwisana mumba mako
- Mari nezvikwereti , zvinogona kushandiswa kune chero chinangwa
- Zvikwereti zvebhizimisi zvokutanga kana kuwedzera bhizinesi rako
- Zvikwereti zvemari ( vechikwereti vechikoro )
Mune zvimwe zviitiko, iwe hauzove nekusarudzwa kwakawanda - hazvisizvo kuti chero munhu upi zvake achakukwereta zvakakwana kutenga imba kunze kwekuti iwe ukashandisa chikwereti chakagadzirirwa chinangwa ichocho. Kushandisa chikwereti chinowirirana nechadiwa chako kuchavandudza mikana yako yekuwana chibvumirano uye ichachengetedza mari yako pasi.
Sarudza Kupi Kwokukwereta
Tenga zvakapoteredza. Zvakare, zvisarudzo zvako zvingave zvisingakwanisi zvichienderana nemhando yemari yako yaunoda: dzimwe nzvimbo hazvipi zvikwereti zvebhizimisi kana zvikwereti zvevadzidzi. Tanga kutsvaga kwako kumasangano anonyanya kuzivikanwa nokuita zvikwereti zvinokwanisika (somuenzaniso, enda nehofisi yeChikoro Chekubatsira Yevadzidzi nokuda kwekwereti yezvedzidzo usati waenda kubhangi kune chikwereti chemari yega yega ).
Mabhandi nemakambani emakwereti inzvimbo yakanaka yekutenga zvikwereti zvakawanda. Tarisa nemapoka ehurumende uye uenzanise nhamba yemari uye mari. Peer-to-peer zvikwereti uye zvimwe zviwanikwa zvekweretheni yemakakiti zvinofanirawo kunge zviri pane rako. Panewo mawebsite akawanda ane ruzivo rwevazhinji vakweretesa. Kukwereta paIndaneti kunonyatsochengetwa chero bedzi iwe uchiramba uine nzvimbo dzinozivikanwa.
Vamwe vanhu vanokweretesa kubva kune vasiri vatengesi sevamwe shamwari kana mhuri. Kunyange zvazvo izvozvo zvingaita kuti kugamuchirwa nyore uye kuchengetedza mari shoma, zvinogona kukonzera zvinetso. Iva nechokwadi chokuti unoisa zvinhu zvose mukunyora kuitira kuti munhu wese awane peji imwe chete - mari inogona kuparadza ukama, kunyange kana dhora iri mari shoma.
Dzivisa zvikwereti zvinodhura zvakanyanya uye vatengesi vatengi . Zviri kuedza kutora chero chipi zvacho chaunogona kuwana kana iwe wakashandurwa pasi kakawanda uye hauzivi kuti ungabhadhara sei chikwereti. Zvisinei, hazvina kukodzera - ivo vachakukweretesa mari, asi iwe uchazviwana uri muhomwe iyo yakaoma kana kuti haigoni kubuda. Payday zvikwereti uye zvikwereti -zve-purogiramu zvinowanzova nzira dzinodhura zvikuru, uye vashandi vezvikwereti zvinogona kunge zvine ngozi.
Kunzwisisa Kwereti Yako
Iwe kazhinji unoda "chikwereti" kuti uwane chikwereti. Izvi zvinoreva kuti une nhoroondo yekukwereta nekubhadhara chikwereti. Iwe unowana sei chikwereti kana iwe usina chikwereti? Iwe unofanira kutanga pane imwe nzvimbo, uye izvo zvinowanzoreva kubhadhara zvishoma nekubhadhara zvimwe. Kana uchinge uchisimbisa nhoroondo yechikwereti, vateresi vachakukweretesa uye vanopa mazinga akanaka.
Kana iwe uchiziva kuti une chikwereti chakashata, ona Mawaniro Aungaita Mutero Nezvakaipa Zvakanaka
Iwe unogona kuona chikwereti chako pasina - iwe unowana rimwe ruzivo rusununguko gore kubva kune imwe sangano rekubika zvikwereti.
Tarisa kuburikidza nemari yako yekwereti kuti unzwisise kuti zvikwereti zvichaona iwe paunokumbira chikwereti. Iwe unotarisa semunhu anokwereta anokwezva here? Kana pasina zvakawanda mukati mazvo, ungada kuwedzera chikwereti kuburikidza kuwedzera mari yechikwereti munhoroondo yako. Iva nechokwadi chekugadzirisa chero kukanganisa mune zvikwereti zvako zvekwereti, sezvo zvichatambudza mikana yako yekuwana chikwereti chakanaka.
Kunzwisisa Mutero
Iwe usati wawana chikwereti, tarisa kuti sei chikwereti chinoshanda sei . Ungaripa seiko - mwedzi nemwedzi kana zvose panguva imwe chete? Ndezvipi zvinoda mari ? Iwe unofanirwa kubhadhara neimwe nzira (zvichida mutengesi unoda kuti iwe ubhadhara zvemagetsi kuburikidza nebhengi rako rebhangi)? Iva nechokwadi chokuti unonzwisisa zvauri kupinda uye kuti zvinhu zvose zvinoshanda sei usati waita chikwereti.
Ndiyo pfungwa yakanaka yekushandisa zvikwereti zvezvikwereti usati wawana chikwereti . Izvi zvinokubvumira kuti uone kuti iwe uchabhadhara zvakadini chikwereti, uye kuti mari yakasiyana sei yemari (kana kuti chikwata chezvibereko ) inogona kukuchengetedza mari.
Pane zvakawanda zvekutengesa zvishandiso zvekutsvaga kunze uko kuti zvikubatsire kuverenga zvikwereti. Zvakakoshawo kutarisa tafura yekugadzirisa (kana iwe uchizvivaka iwe pachako kana kurega kombiyuta ikakuitire iwe) kuitira kuti uone kuti chikwereti chichabhadhara sei nekufamba kwenguva.
Tora chikwereti chaunogona kunyatsobata - icho iwe unogona kudzorera zvakanaka uye icho hachizokudziviriri kuita zvimwe zvinhu zvinokosha (sekuchengetedza kubhadhara kana kushamiswa zvishoma). Ratidza kuti mari yako yakawanda ichaenda kupi kune chikwereti chekubhadhara chikwereti - vateresi vanodana iyi chikwereti chekuwana mari - uye kukwereta zvishoma kana iwe usingadi zvaunoona. Vatengesi vanowanzoda kuona chiyero chiri pasi pe30% kana zvakadaro.
Isa Chikwereti
Wakagadzirira kutenga chikwereti chako kana iwe uine:
- Akasarudza rudzi rwakanakisisa rwechikwereti
- Vakaderedza mutambo wacho
- Yakakurira chikwereti chako, uye
- Mhanya nhamba
Panguva ino, unogona kuenda kune wako chikwereti uye kushandisa. Iyo nzira iri nyore kutanga: taurirai chikwereti chaunoda kukwereta mari, uye vaudze kuti chii chauchaita nemari (kana ichidiwa). Vachatsanangura matanho anotevera uye kuti inguva ichaita sei.
Pakuzadza chikumbiro, iwe uchapa ruzivo pamusoro pako iwe nemari yako. Semuenzaniso, iwe uchada kuuya nehutsananguro, kupa kero uye Nhamba yeNyika Yakachengeteka (kana yakaenzana), uye kupa ruzivo pamusoro pemari yako.
Enda Nokunyora Chinyorwa
Mushure mokunge maisa shanduro yenyu, uyo anokweretesa achakuongororei semunhu angakwereta. Izvi zvinogona kuva pakarepo, kana zvingatora mavhiki mashomanana. Somuenzaniso, zvikwereti zvemusha zvinotora nguva yakareba kupfuura chikwereti chekwereti nokuti pane zvakawanda zvinowanikwa. Zvikwereti zvinotora chikwereti zvinoda mapepa akawandisa, akadai semabhuku ebhangi uye kubhadhara stubs kuratidza kuti iwe unokwanisa kubhadhara. Iwe unogona kuita kuti hurongwa huve nyore pane iwe pachako nekuwana zvose zvakarongeka mwedzi inoverengeka usati washandisa.
Munguva yekunyora pasi, vateresi vachakwevera chikwereti chako (kana kungoshandisa chikwereti chekwereti) uye ongorora zvaunoshandisa. Vanogona kukushevedza nguva nenguva uye vanokukumbira kuti ujekese kana kuratidza chimwe chinhu - izvo zvinowanzova chiratidzo chakanaka. Apo vanokwereta vachikumbira tsanangudzo, zvinoreva kuti vari kunyora pasi pasi zvakanyanyisa uye vanowanzoita kuti vakwikwidzane.
Nzira Yokuwana Mari Mari Yebhizimisi
Zvikwereti zvebhizimisi zvakafanana kune imwe yemhando ipi yechikwereti. Vatengesi vanotarisa zvinhu zvakafanana. Zvisinei, mabhizimisi mitsva haasisina nhoroondo yakareba yakweretesa (kana chikwereti). Nnew mabhizimisi nemabhizimisi ebasa kazhinji havana pfuma iyo inogona kuvimbiswa sechibvumirano, saka vanofanira kushanda zvakaoma kuti vawane zvikwereti.
Muzviitiko zvakawanda, uye munhu - semunhu webhizimisi - anofanira kushandisa chikwereti chavo pachavo uye mari kuti awane chikwereti. Vanogonawo kutora hupfumi hwehupfumi kuti vawane zvikwereti. Iyi ndiyo nzira chete yekuwana zvikwereti mumakore ekutanga, asi iwe unofanira kuedza kuvaka bhizinesi rebhizimisi kuitira kuti iwe unogona kugona kubhadhara pasina kuisa pfuma yako pachake.
Kana Iwe Usingagoni Kuwana Mari
Iwe unogona kusagamuchirwa pakuedza kwako kokutanga. Vatengesi vanogona kuramba kushandiswa kwevamwe chero zvikonzero, asi vanofanira kunge vakakwanisa kukuudza kuti nei usina kubvumirwa. Muzviitiko zvakawanda, havatendi kuti mune mari yakakwana kana nhoroondo yekwereti kuti zvireverere chikwereti chawakanyorera. Iwe unofanirwa kuongorora imwe sarudzo, nyora tsamba , kana iwe unogona kuedza kukwereta nemubatsiro wemubatanidzwa .