01 Chii Chinonzi Consolidation Loan Consolidation?
Sei Ndichifanira Kubatanidza?
Zvikonzero zvikuru zvekutora chikwereti chekubhadhara chikwereti ndeichi:
- Zvichida kukwanisa kubhadhara mwedzi mumwe nomumwe
- Fixed interest rates
- Chengetai cheki imwe yezvikwereti zvakasiyana-siyana
- Zvichida kubhadharwa mari yakawanda munguva dzakaoma
Zvichienderana nemamiriro ako ezvinhu, izvi zvinogona kunge zvisingakufadzi iwe. Kana iwe usingafungi nezvekukwira kwezvibereko zvekuda, semuenzaniso, iwe unogona kunge usingafariri nezvekuwana chiyero chakatarwa. Saizvozvowo, kana iwe uchiripa mari yako pasina dambudziko, iwe ungasava nechido chekubhadhara mari shoma.
Ko Chikoro Chevadzidzi Chinounganidza Sei?
Kune zvikwereti zvakawanda zvekubhadhara zvikwereti kunze uko. Mipurogiramu yekubatanidza chikwereti chevadzidzi yakasiyana nokuti inopa zvimwe zvikwereti zvinouya chete nemari yevadzidzi. Mamwe mashomanana emakungwa makuru ndeaya:
- Iwe haufaniri kukodzera kubva pane yako chikwereti chikoro
- Hakuchina mari yakawanda inowanikwa
- Iwe unogona kukwanisa kudzorerazve kubhadhara
- Zvikwereti zvinosunungurwa pavanofa vose vanokwereta
- Chikwereti chakabhadharwa pamusoro pezvikwereti zvevadzidzi zvingave mutero wakabviswa
Pakati pese, kusunganidzwa kunobatsira zvikuru apo iwe unowedzera hurumende yevadzidzi zvikwereti pasi sechikamu chehurongwa hwekusimudzira hurumende.
Kana iwe uine chikwereti chemari chikwereti, iwe unogona "kusimbisa," asi iwe unongotsvaga kubhadhara zvikwereti .
Ndezvipi Zvimwe Zvipingamupinyi Zvokubatanidza?
Ita mamwe mabasa echikoro kana iwe uine zvikwereti zvePerkins, kana iwe uchiri kuchikoro. Inogona kuva yakaoma zvikuru, uye iwe haunzwisisi kusaziva unorega kubatsirwa chero kupi zvako.
Ramba uchiyeuka kuti kuderedza mari yako yedzimwe mwedzi (kuburikidza nekuwedzerwa nguva yekubhadhara) kuchaguma kukukwereta mari yakawanda pamusoro penguva refu. Zvisinei, iwe unogona kutora mutero wakaderera nhasi kana uchida, uye wozoita hukuru kune zvikwereti zvaunoda kana mari yako inowedzera.
Mari Yangu Yose Inobva Kune Imwe Chitubu-Ndinofanira Kubatanidza Here?
Iwe haufaniri kuita, asi iwe unogona kuda. Uyo anokweretesa anongodzokorora zvikwereti zvako kuitira kuti ave nehutano hwakataurwa pamusoro apa (yakagadziridzwa chidimbu, nezvimwe). Kana iwe wakangoshandisa imwe chete chikwereti, iwe unogona kunge uine zvishoma zvingasarudzwa pamusoro paani kuti uwirirane naye. Kana uchiri kuchikoro ikozvino, funga kuwana zvikwereti kubva kune vamwe vatengesi kuitira kuti iwe uwane dzimwe sarudzo paunopedza kudzidza.
Yeuka kuti zvikwereti kubva kuhurumende yeUnited States nguva dzose zvinokweretesa-zvine ushamwari kupfuura vadzidziri vezvikwereti zvevadzidzi. Funga zvakanaka usati wasangana nemhando mbiri (somuenzaniso, iwe unoda chikonzero chakanaka chekusimbisa hurumende yemari chikwereti pasi pasi neine chikwereti chemunharaunda).
Ndinoziva Sei Mudiwa Wangu Wechido?
Tarisa zvataurwa zvako. Vamwe vacharatidza mutengo pane chikwereti chakapiwa. Kana iwe usingakwanisi kuitora, dana iwe chikwereti chako uye bvunza. Iwe unogona kunge uine zvikwereti zvakawanda-imwe pane imwe nguva yekunyoresa, saka iva nechokwadi chekuwana zvose. Pakupedzisira, iwe unogona kuwana ruzivo pamusoro pezvikwereti uye uone mazinga aripo pane iri peji Direct Loan.
02 Ndinogona Kubatana Nomudzimai Wangu Here?
Kune (kana kuti ingadai yakave) zvipingamupinyi zvakawanda zvekubatana pamwe. Kana iwe uchida kupinda muzvinyorwa (kana iwe uchirega kukanganisa, zvichida nekuda kwekushaiwa basa), vaviri vakaroorana vanofanira kukodzera kusunungurwa.
Zvakanyanya, kana ukabatanidza zvikwereti uye mumwe wenyu anofanira kufirwa, mukadzi anenge aripo achazobhadhara chikwereti chemunhu akafa. Mukuwedzera, iwe uchava nenguva isina kufara kana iwe ukarambana uye iwe uchatora chikwereti chako pamwe chete .
Pakupedzisira, panewo nyaya yekuregerera chikwereti. Kunyanya kana umwe wenyu achishanda mubasa revanhu, unogona kupa mukana wekuti zvikwereti zvidzimiswe munguva yemberi.
03 Kugadziriswa kweConsolidating
Iwe unogona kusimbisa chikwereti chako chevadzidzi panguva yako yenguva yenyasha kana panguva yekubhadhara. Iwe ungatotanga kusvika pakuita kusunganidzwa usati wadzidza. Nguva yacho inobva pane zvakasiyana-siyana zvezvikonzero.
- Kubatanidza panguva yenyasha kunogona kukupa muzinga wepasi
- Iwe hausi kuda kusimbisa munguva pfupi mushure mokunge wapedza. Kana iwe uchidaro, unogona kurasikirwa pane imwe rubatsiro rubatsiro
- Kana iwe uchifunga kuti chido chekuderera chiri pasi, unogona kuvhara muzinga
- Kana iwe uchida kubhadhara mutero wepasi pamwedzi nhasi, unogona kuedza kuwana chirongwa chakawedzerwa chekubhadhara
Ndiani Ndinofanira Kuwirirana Naye?
Iwe unogona kunge uine murwi wemeyili sezvo iwe uri pedyo nekupedzisa. Ndiani waunofanira kuvimba?
Kana zvikwereti zvako zvichibva kumapurogiramu ehurumende, inowanzowedzera kuchenjera pasi pesangano reFree Direct Loan. Zvakare, idzi zvikwereti zvinoshandiswa nevatengi-zvine ushamwari. Kuti uwane mamwe mashoko, tarisa neDhipatimendi reZvondo reUnited States.
Zvakakoshawo kubvunza hofisi yako yekubatsira mari kune mazano. Vangave vakanzwa dzimwe nyaya dzekubudirira munguva pfupi (uye vanotya nyaya).
Kana ukasarudza kushanda nemunhu anokweretesa wega, chengetedza nezvekubatanidza zvikwereti zvehurumende uye zvevanhu. Nzira yakasimbiswa yekubatanidza inowanikwa chete kune zvikwereti zvehurumende, asi zvinokwanisika kusonganisa zvikwereti zvemari .