Kuisa mukana wako wekadhi kadhikiti, ndezvekuda kuziva kana iwe uine zvizhinji. Kana, kana uri kutarisira kuzarura mitsva yechikwereti, iwe unoda kuva nechokwadi kuti imwe kadhi rechikwereti haigoni kuchinja chikwereti chako. "Makadhi emakadhi echikwereti akawanda sei?" ndeimwe yemibvunzo iyo isingakoshi-yakakosha-yakasiyana-siyana yemhinduro, asi kune nzira shomanana dzaungagona kutonga kana iwe uine akawanda makadhi emakadhi kwauri.
Iwe Une Chikwereti Chakanyanya-ku-Kuwana Ratio
Apo vanokweretesa vachiongorora chikwereti chako chekubhadhara chikwereti , vanoona chikwereti chiripo sekana mukana wechikwereti. Vanogona kuverenga chikwereti chako chekuwana chikwereti sekuti makadhi ako ekwereti akanyatsotariswa kuti akuenzanise pamutengo wako wekwereti unogona kunge uripo. Iwe unogona kuita zvakafanana DTI chiyero chekuverenga. Kana iwe wakakundira kadhi yako yemarikiti chii chaizove chikwereti chako chekuwana-mari-chingave chakafanana? Ingadai inokwira pamusoro pe 37%? Kana zvakadaro, iwe unofanira kufunga nezvekuvhara dzimwe dzeakero yako dzisina kushandisa kadhi rechikwereti, kunyanya zvitsva ne $ 0 muyero.
Iwe Une Izvo Zvakakosha Kushandiswa
Kushandisa kwako chikwereti (30% yemari yako chikoro) kunoratidza kuti iwe une chikwereti chakawanda sei. Zvinotaridzwa sekuti chikwereti chenyu chose chakagoverwa nekwereti yako yose. Saka, somuenzaniso, kana kadhi rako rechikwereti rinokwana $ 5000 uye zvikwereti zvako zvekadhi rechikwereti zvinokwana $ 2000, ipapo chikwereti chako kushandisa 40%. Zvakakodzera, mari yako yekushandisa inofanira kunge iri pasi pe30%, yakaderera kupfuura 10% yakatonyanya kukoshesa chikwereti chako.
Izvo zvikwereti zvekwereti zvakawanda zvaunayo, muedzo wakawanda uripo kuti uzvishandise. Sezvo zvikwereti zvako zvekadhi rechikwereti zvichiwedzerwa uye iko chikwereti chako chekushandisa. Imwe nzira yekuchengetedza chikwereti chako kushandisa pasi ndechokuderedza nhamba yemakadhi emakwereti aunazvo uye nemari yaunotakura pamakadhi.
Iwe Hauna Huzivo Nehumwe Marudzi Ekubhadhara
Kusanganiswa kwekwereti kune imwe chikwereti chikamu chinosanganisira nhamba yemakadhi emakwereti.
Iko chikwereti chikoro kuverenga chinotarisa marudzi ese eakaona iwe mune faira yako yechikwereti kuti uone kuti iwe une ruzivo rwakadini iwe nemhando dzakasiyana dzekwereti dzekwereti. Kana uine kadhi makadhi emakadhi, asi kwete mamwe maitiro eakaiti, chikwereti chako chikoro chinogona kuchinjwa, asi hachibvumirwi nezvakawanda. Pashure pezvose, kusanganiswa kwekwereti ndeye 10% chete yekwereti yako chikoro.
Iwe Unonetseka Kutarisira Makero Akaita Makadhi
Kuva nemakadhi akawanda emakadhi kuchaita kuti uone kukwanisa kwako kutarisira mari yako . Iwe unofanirwa kukwanisa kutarisa yako makadhi emakadhi, kusanganisira kubhadhara mazuva , zviwanikwa , mari, nemhosva yawakagadzira. Zviri nyore kwazvo kutarisira makadhi ako ekwereti kana iwe uine vashomanana vavo - sepakati pekutanga kusvika kune matatu. Inowedzera kuoma sezvo nhamba yemakadhi echikwereti inodarika mashanu. Kunyange zvakadaro, zvinoenderana nekukwanisa kwenyu kukwanisa makadhi enyu ekwereti.
Zviratidzo Zvako Une Zvakawanda Mahodhi Makadhi
Kana iwe uchangobva kutanga nekwereti kana kuvakazve chikwereti chako , imwe kadhi rechikwereti rakwana. Iwe unoda ruzivo rwakabudirira kugadzirisa imwe kadhi rechikwereti usati watora pane mamwe mabasa ekwereti. Sezvaunowana ruzivo rwakabudirira uye funga kuzarura mamwe makadhi emakadhi, funga nezvekukwanisa kwako kubhadhara uye kutarisa makadhi ako ekwereti.
Kana ukacherechedza kukwanisa kwako kadhi rechikwereti kubuda kunze kwekutonga, chiratidzo chokuti une makadhi akawanda emakadhi.