Dzimwe nguva, vateresi vanopa kuwedzera chikwereti chako chekwereti kunze kwebhuruu. Iwe unogona kufunga kuti musungo (nei iwe usingadi iwe muganhu wakakwirira?) Asi muzviitiko zvizhinji, hapana kubata. Kunyanya kana iwe uine chikwereti chakanaka uye iwe unogara uchibhadhara panguva, izvi zvinogona kuva chibayiro chinofanira kubvuma.
Chikwereti Chinowedzera Kuwedzera Kunogona Kubatsira Chikoro Chikoro
Kana uyo anopa chikwereti achipa kuwedzera chikwereti chako chemari, ndicho chiratidzo chakanaka. Munhu anokweretesa akaisa njodzi kuburikidza nokupa chero chikwereti, uye iye zvino vanoda kutora ngozi yakawanda. Munguva yematambudziko emari, zvinhu zvakaenda kune imwe nzira: vateresi vakanga vachirova zvikwereti zvekwereti nekuvhara maakaiti apo vaitya kuti vakwereta havazokwanisi kubhadhara zvikwereti.
Sei zvakakosha kuwana muganhu wakakwirira? Inogona kutungamirira kune chikwereti chiri nani. Chikwereti chenyu chikoro chakavakirwa, muchikamu, pamusoro pekuwanda kwemari yako yaunowana yaunoshandisa. Kana uchingoshandisa zvishoma, zviri nani unotarisa pane zvikwereti zvekukwereta . Kana uri kushandisa inenge yako yose yechikwereti chako chiripo (inozivikanwa sekuti maxed out ) vakweretesi vanonetseka kuti wakawa panguva dzakaoma uye iwe unogona kusakwanisa kuchengeta nehomwe.
Muenzaniso: tora chikwereti chako chikwereti $ $ uye iwe unokwereta $ 200. Iwe uri kushandisa 20% yewakawana chikwereti chako chiripo nokuti 200 yakapatsanurwa ne1000 is .20 kana 20%.
Iyi inzvimbo yakanaka kuva; Vateresi vanoda kukuonai vari kutarisana ne30% kana pasi .
Muenzaniso # 2: tora chikwereti chako chemari chikwereti $ 1 000 uye iwe unopedza kanenge $ 800 mwedzi mumwe nomumwe pane yako kadhi rechikwereti usati waibhadhara zvachose mwedzi woga woga. Inogona kuonekwa kuti uri kushandisa 80% yemari yako iripo-kunyange iwe uchibhadhara chikwereti chako chose uye usambobhadhara chero chido.
Zvichienderana nepo apo vateresi vanorondedzera kubhadhara kwako kune zvikwereti zvekwereti , izvi zvinogona kukonzera matambudziko.
Chipo Chisingabhadhari Uye Chakajeka Here?
Iye zvino, kana usingafaniri kubvuma kupiwa kunobva kune rudzi rwekupa. Kana chikwereti chako chichiwedzera chikwereti chako chechikwereti pasina michina yakabatanidzwa, enda mberi uye ugamuchire. Asi ivai nechokwadi chokuti chipo chacho ndechokuti iwe utore. Kana iwe uchida "kutenderwa" kana "kukodzera," funga kaviri-nokuti zvino zvingaita seurikukumbira mari yakawanda (iyo yakanga isina kumbova yako chinangwa). Zviri nani kana vachitaura chimwe chinhu se "iwe unobvumidzwa."
Kana iwe usina chokwadi, tumira iwe lender (kambani yekadhi yemakadhi, somuenzaniso) uye bvunza. Tsvaga kana vachizoongorora chikwereti chako uye kana vachida kuziva chero chii pamusoro pemari yako.
Zvakare, "kusununguka" chikwereti chikamu kuwedzera kuchabatsira chete chikwereti chenhamba. Iwe haufaniri kupedza chero kupfuura iwe wauri kushandisa-ikozvino funga nezvahwo seimwezve yekusachengetedza mambure yaunotarisira kuti usamboshandisa. Chikonzero chega chekuregerera chinogona kuva kana iwe usiri kuzvivimba iwe kuti urege chikwereti icho chisina kubviswa; kana iwe ukashandisa zvakawanda (pasina kubhadhara kure) nekuda kwekuti iwe unogona , taurira iwe chikwereti chako kuti uende zvinhu se-ndizvo.
Kukumbira kuwedzera
Kana iwe chikwereti chako kwete kungokupa chikwereti chingave chichigamuchirwa chikwereti (mune mamwe mazwi, kana uchida kukodzera), ramba uchichenjerera.
Iyo nzira inogona kudzorera chero nguva ipi zvayo iwe uchikumbira kuwedzera: chikwereti chako chekwereti chinogona kupedzisira chaderedzwa, kana kuti account yako ingatove yakavharwa. Vatengesi vanoda kukweretesa kune avo vasingadi mari-kana iwe unenge wakanganisa, vanovhara zvinhu pasi (kana kupa mari yakakwirira yezvibereko). Iwe hausi kuda kutora chero zvakanakira ku-akhawunti yako kana vachizowana chimwe chinhu chavasingadi.
Zvakare, nzira yekuongororazve account yako inogona kukuvadza yako chikwereti-kunyanya munguva pfupi. Kambani yako kambani yekwereti ichaita upombwe kuti uongorore chikwereti chako, uye kubvunzurudza kwakaoma zvikuru kunoita kuti zviite seuri kutenga zvimwe zvekwereti. Kana iwe uri kuda kuwana chikwereti chikuru chakadai semusha kana kuti chikwereti chemotokari, mibvunzo inogona kukonzera matambudziko.
Zvose izvo zvakataura, dzimwe nguva zvinonzwisisika kukumbira chikwereti chikamu kuwedzerwa: chikwereti chikoro chinogona kuvhara kwechinguva, asi pakupedzisira zvinhu zvinofanira kuvandudza.
Kana uchizoenda, iyo nguva yakanakisisa yekukumbira kuwedzera ndeye apo iwe usingadi iwe : bvunza kana mabhadharo e-akhawunti yako ari pasi kana zero (mushure mokunge waita kubhadhara), kana waita ine mari yakasimba kubva mubasa rako, uye kana iwe uchiziva chikamu chako chekwereti hachina zvinhu zvisina kunaka.
Sechikamu chekukumbira kwako, iwe unogona kutsvaga kuti nei uchida kuwedzera. Nzira yakanakisisa yekupindura ndeyokuti mari-inoyerera yakasimba uye iwe unoda kushandisa imwe (iwe zvichida haugoni kutenderwa chero zvakadaro kana uri kutambura). Zviri nani kutsanangura kuti uri kungoedza kuchengetedza chikwereti chako kushandiswa zvakaderera maererano nekwereti yako mirefu uye kuti zvimwe haungashandisi mari yose inowanikwa kwauri. Izvi zvinonzwisisika, kunyanya kana mari yako yemwedzi nemwedzi inodya chikamu chikuru chekwereti yako yechikwereti (zvakare, inonyanya kunzwisisika kana iwe uchibhadhara kadhi yako mwedzi mumwe nomumwe- kutora mari shoma chiratidzo chekutambudzika).
Zvimwe Zvipo
Kana iwe usati uri kutamba mitambo nekwereti scoring models, kune zvimwe zvikwereti kumuganhu wakakwirira. Kuva nemari yakawanda inowanikwa zvinoreva mamwe mazano: unogona kushandisa kadhi rechikwereti mune imwe nguva, uye (kana iwe uchiwana mibairo pakadhi rako) unogona kuishandisa kune mamwe marudzi ekutenga.