Ungakwanisa Kubatanidza Pamwe Chepfumi neZvimbiso Zvenyika?
Kubatanidza uye Kudzosera
Usati wazadza chikumbiro, zvakakosha kuti ujekese zvimwe zvishoma. Iwe unoda kuziva kana iwe uri wega mudzidzi chikwereti kana wehurumende yemari chikwereti - kana zvimwe zveumwe neumwe.
Zvadaro, sarudza kuti zvikwereti zvipi zvingasiyiwa uri woga, uye ndezvipi zvingazogadziriswa kana kuti kusimbisa.
Kubatanidza kunongowanikwa chete kune vezvemarikiti vechikoro. Izvi zvinovhiringidza kuvadzidzi uye vapedza kudzidza nemari yekuzvikwereta nokuti "kuunganidza" chikwereti zvinoreva kusanganisa zvikwereti zvakawanda kune imwe chikwereti (izvo zvinogoneka nevanenge vadzidzira chikwereti - kana iwe uchigadzirisa). Federal Direct Consolidation Loans inokubvumira kuti ubatanidze zvikwereti zvakawanda kune imwe chete uchichengetedza zvikomborero zvose zvevashandi vechikwereti vevadzidzi . Nharaunda yako yekutora inowedzera kubhadhara kwemaikwereti ako aripo, uye iwe unogona kusarudza nguva itsva yekubhadhara.
Refinancing inowanika kune zvikwereti zvemari yega yega uye zvikwereti zvehurumende. Kana iwe uchigadzirisa, iwe unobhadhara chikwereti chiripo nechikwereti chitsva chakanaka - chaizvoizvo, chikwereti chitsva chiri nani kudarika chikwereti chauri kuripa. Unyanzvi, iwe unowedzerawo paunobatanidza zvikwereti zvakawanda, asi pamwe nevateresi vega, haugoni kuunganidza uye kuchengetedza zvikomborero zvakafanana zvaunowana kubva kumapurogiramu ehurumende.
Kubatanidza Mvumo Yenyika yeChechi neMunhu Akazvimirira
Vazhinji vakweretesa vari vega vanoda kuunganidza chero mhando ipi yechikwereti chaunacho, kusanganisira federal student loans. Zvisinei, kana iwe uchitora chikwereti chemari kubva muDhipatimendi reZvikoro (uye mune purogiramu yega yega), iwe ucharega zvikomborero zvinouya nehurumende yevadzidzi zvikwereti - zvikwereti zvako zvichava pachevhesi yevadzidzi.
Kubatsirwa kwevashandi vehurumende yezvikwereti kunosanganisira:
- Mapurogiramu ekubhadhara mari yakabhadharwa anochengetedza zvikwereti zvinotengesa kana mari yako iri pasi
- Kukanganwira chikwereti, zvichienderana nebasa rako mubasa revanhu kana zvimwe zvinhu
- Kusarudzwa uye kushivirira: kukwanisa kumira kwekanguva kubhadhara munguva dzakaoma (vamwe vanokweretesa vari voga vanopa zvinhu izvi, kunyange zvazvo zvisinganyanyi kupa)
- Zviri nyore kuti ukwanise kuwana zvikwereti nezvakaipa chikwereti kana hapana chikwereti chenhoroondo (uye pasina cosigner)
- Nhamba inofambiswa inofambiswa inowanikwa paunenge uri kuchikoro
- Fixed interest rates iyo inogona kunge iri pasi kudarika iwe unogona kuwana iwe pachako
- Nyasha dzenguva dzisingatsvaki kubhadhara muchechi
Kuti uwane mamwe mashoko, ona Dhipatimendi reZvatsananguro rinotsanangura pamusana pevhesi yezvematongerwo enyika. Zvinokwanisika kuti iwe haudi zvidzidzo izvi, asi iwe unofanirwa kunge uchiziva kuti chii chakakosha.
Refinancing Private Loans
Apo iwe unokweretesa kune vateresi vasiri vese (kusanganisira kana iwe uchigadzirisa), unoda kukodzera chikwereti chinoenderana nemari yako uye mari yako.
Chikwereti chikoro chakavakirwa pamusana wako wakakwereta . Vatengesi vanoda kuona kuti wakabudirira kubhadhara mari nekubhadhara vamwe vatengi. Kana iwe wakatora chikwereti munguva yakapfuura uye iwe unogara uchibhadhara pane nguva, chikwereti chako chinofanira kunge chakanaka.
Kana iwe usina nhoroondo yekukwereta ( kana iwe wakatora chikwereti pane zvikwereti), uchada kuvaka yako chikwereti chekwereti kuti uwane chikwereti chakanaka.
Mari yako inopa mari yaunoshandisa kuita mwedzi mumwe nomumwe, uye vanokweretesa vanoda kuona zvakawanda zvemari inowanikwa mwedzi mumwe nomumwe. Kuti uone kana iwe usina kukwanisa kubhadhara chikwereti chitsva, vateresi vega vega vanoshandisa chikwereti kuti vawane chikamu chekuwana . Izvo zvishoma iwe unobhadhara kune chikwereti mwedzi wose (kusanganisira makadhi echikwereti nemari yemari), zviri nani.
Kana iwe usingakwanisi kuwana chikwereti chega chega kubva kune iwe pachako chikwereti uye mari, iwe unogona kutora rubatsiro kubva kune cosigner . Cosigners vanokumbira chikwereti newe , kuisa zita ravo pachibvumirano chechikwereti. Vatengesi vachawedzera mari yekosigner nemari yekuwana chikwereti kumushandisiro, saka vashandi vane chikwereti chakasimba uye zvakawanda zvekuwana mari yakanakisisa.
Zvinosuruvarisa, mutungamiri wako anotora dambudziko guru nekukubatsira iwe kunze - kana iwe usingakwanisi kubhadhara chikwereti, chikwereti chekosigner chichatambura, uye vateresi vanogona kuedza kuunganidza chikwereti kubva kwauri iwe nomudzidzisi wako .
Kana uchisimbisa zvikwereti zvemunhu oga, unogona kushandisa chero ipi zvayo yemari yako yaunoda (chero bedzi iwe chikwereti chako chitsva chichikubvumira kubhadhara zvikwereti zvomunhu oga).
- Mari yega yevadzidzi chikwereti chekubhadhara zvikwereti yakagadzirirwa kubvisa chikwereti chako chega. Vateresi vanopa zvikwereti izvi vanoda kutora zvikwereti zvakawanda, asi iwe uchada kukodzera kuwana iyo huru yekubhadhara (zvakare, zvichida pamwe nemudzidzisi). Izvo zvikwereti zvinogona kupawo kune chikwereti-chakanakidza zvinhu zvakadai sokuputika kwenguva pfupi kubva kubhadhara panguva yekushaya basa.
- Mari yechikwereti kubva kubhangi, credit union, kana chikwereti chekuIndaneti chinogona kushandiswa kune chero chinangwa, kusanganisira kubhadhara chikwereti chevadzidzi. Nekubhadhara iwe pachako, haufaniri kutora chibvumirano kana kushandisa mari kune chimwe chinangwa.
- Imba yemari yakakosha inoshandisa imba yako kuchengetedza chikwereti. Somugumisiro, zvinogona kunge zviri nyore kukodzera, uye iwe unogona kuwana chidimbu chechibereko chepasi. Zvisinei, zvinotyisa kuisa imba yako pamutsetse: kana iwe usingakwanisi kubhadhara, iwe unotarisana nekufananidzira (pamwe chete nekukuvadzwa kwekwereti). Izvo zvakanyanya, zvikwereti zvakaenzana pamusha, zvakare anozivikanwa sechipiri mari yekugadzirisa mari, kazhinji ine mari yekuvhara mari inodhura .
Nei Tichifanira Kudzosera? Kuregererei?
Kudzokorora kunogona kukubatsira kuchengetedza mari nekuita kuti upenyu hwako huve nyore, asi hunogonawo kukonzera matambudziko.
Mari yepamusoro ndiyo yakanyanya kutyisidzira pakunatsiridzira mari yezvikwereti yega yega. Mukuwedzera kune kushanda nekuvhara mari, unogona kubhadhara ruzivo rwakawanda pamusoro pehupenyu hwechikwereti chako kana iwe uchigadzirisa. Kunyange kana iwe ukawana mubairo wakaderera pane chikwereti chako chitsva, nguva refu yekubhadhara (somuenzaniso, chikwereti ichocho chichabhadhara mumakore makumi maviri pane chegumi) chinogona kuwedzera mari yako. Usati watambanudza zvikwereti izvozvo, ita zvimwe zvishoma zvinotora chikwereti uye uenzanise mari.
Nhamba dzezasi , kana iwe unogona kukodzera, dzinobatsira. Kunyanya kana iwe wakabhadhara chikwereti chaunenge uchikweretesa, pangave nemukana wekugura mari yako yokukwereta. Mumakore mashomanana adarika, chikwereti chako chingave chakavandudzwa, kana kuti vatsva vangave vangave vachida kupa chikwereti pane zvinodiwa zvakanyanya.
Fixed interest rates inotarisirwa . Kana zvikwereti zvako zviine mazana akasiyana, unogona kubatwa zvisingashamisi kana zvikwereti zvinowedzera munguva yemberi. Zvisinei, kuchinja kwemitengo kazhinji kunotanga kuderera kudarika mitengo yakasarudzwa, uye mitero inogona kunge isingatungamiri zvakawanda - nguva chete inotaurira. Kana uchikwanisa kuwana huwandu hwakaderedzwa uye iwe unonetseka nezvekukwira kwemari, kugadziridza kunogona kuve kwakananga .
Kana iwe ukashandisa cosigner kuti uwane chibvumirano, unogona kukwanisa kugadzirisa pasina wekusimbisa. Kuita izvi kunoita kuti shamwari neshamwari dzako zvibve pahove, uye vanovabvumira kune imwe nzvimbo kana vachida . Asi iwe unogona kunge usingadi kugadziriswa kubvisa mubatsiri-bvunza wako wakakweretesa ikozvino nezve "kusunungurwa kwekusimbisa" kana ichi chiri chekutanga.
Mari dzezasi dzinogara dzakanaka, asi dzinogona kuuya nemutengo. Pane nzira mbiri dzekuderedza chikwereti chako: shandisa chidimbu chechikwereti chepasi kana kuwedzera nguva yekubhadhara chikwereti (kana kuti zvose). Kana kukwira kwemari iri nyaya iye zvino, iwe unogona kuwana imwe nzvimbo yekufema kuburikidza nekugadzirisa - tsvaga kuziva nguva isati yasvika kana uchizobhadhara chido chinowedzera icho chinyaradzo.
Mari shoma shoma ndeye nyore kuchengetedza. Kana uine zvikwereti kubva kune vashanu vanokweretesa vakasiyana, zvinhu zvinogona kupfuurira kuburikidza nekuputsa. Kudzosera nekugadzirisa kunoshandura zvikwereti zvishanu kune imwe chete, asi izvi zvingave zvisingabatsiri kunze kwekuti uri kuwana mamwe mazano kubva muchibvumirano. Mazuva ano, zviri nyore kukwanisa kubhadhara zvikwereti uye rega bhangi rako riite zvose .
Private Consolidation Loans
Kana iwe une chikwereti chakakosha chemudzidzi, vateresi vega vega vachinyanya kufunga nezvekubhadhara chikoro zvingangogumira kumusoro kwezvenyu. Nemhaka yokuti iwe hausi kushandisa chirongwa chehurumende, idzi zvikwereti zvinongova zvikwereti zvemunhu pachake zvinoshandiswa semari chikwereti chemari. Sezvaunotenga pakati pevakweretesi, chengetedza zvose zviri pasi apa.
Nharaunda yekudarika: yako yezinga ndeimwe yezvinhu zvakakosha zvakanyanya zvechikwereti chako chitsva. Izvo zvinokunda chiyero chako, iwe unowedzera kufarira iwe uchabhadhara hupenyu hwechikwereti chako. Kana ukaronga kubhadhara chikwereti chakashata mumakore mashomanana chete, chikwereti chekufarira hachina kukosha.
Kubatsira munguva dzakaoma: federal mudzidzi zvikwereti zvinopa rubatsiro kana iwe usingashandi kana kuti mari yako yakaderera - unogona kurega kubhadhara kwekanguva pasina mari yakawanda kana kukanganisa chikwereti chako. Vanokweretesa vari voga havasi sevanopa, asi vanogona kupa nguva shoma yekushaiwa basa uye zvimwe zvikomborero. Tsvaga izvo zviripo - kungoitika kana.
Zvinotarisirwa kuti zvikwanise kuita: mabhanhire angaderedza kushanda kwako, asi edza vamwe vatengesi. Kana uine chikamu chepasi cheFICO , vamwe vanokweretesa vanoda kutarisa zvimwe zvinyorwa zvemashoko kuti vaone chikwereti chako. Somuenzaniso, vanogona kuongorora nhoroondo yako yekubhadhara mari, kana kuti vanogona kusimbisa chisarudzo pane zvamunowana uye basa.
Cosigner kusunungurwa: iye zvino, kugamuchirwa kunogona kunge iwe iwe unonyanya kukosha. Kana uri kushandisa mushandi wekodhi, edza kushandisa chikwereti nechinangwa chakajeka chinodzinga cosigner kubva pachikwereti mushure mokuita imwe nhamba yekubhadhara nguva. Wemudzidzisi wako ari kukuitira iwe-uye iwe unogona kudzorera nyasha kuburikidza nekuderedza ngozi yavo. Zvechokwadi, unoronga kubhadhara, asi zviitiko zvinoitika, uye zvakanakisisa kubvisa vashandi nokukurumidza nokukurumidza.