Nzira Yokugamuchirwa Sei?
Ko Cosigner Chii?
Mumwe mubatsiri ndiye munhu anokumbira chikwereti newe uye anobvumirana kubhadhara chikwereti kana iwe usingakwanisi kubhadhara. Kuti uite izvozvo, mushandi wekambani anoratidza chikwereti chako chekukwereta newe (mumuviri kana pamagetsi) uye unovimbisa chikwereti.
Mumwe mubatsiri "anomire pedyo" nemunhu anenge akwereta, saka vateresi vanonyanya kuvimba nezvekubvuma chikwereti : Zvino vanhu vaviri vane basa rekuripira chikwereti . Pane imwe yei-inowanzova cosigner-inoita sebheti yakachengeteka.
Semuenzaniso, hama inogona kukubatsira kuti uwane mvumo yekukweretesa kwemotokari nekuvimbisa kuita mari kana ukakundikana kuzviita.
Sei Unoda Cosigner?
Mumwe mubatsiri anoita chikwereti chekukwereta chinokwezva kune vakweretesi, saka ivo vanoda kunyanya kubvuma zvikwereti nemudzidzisi akasimba. Vatengesi vanowanzopa mazano anofadza nezvechikwereti, zvakadai sechikwata chechibereko chechidiki , kubhadhara mari yakawanda, uye mari shoma.
Kana iwe ukakumbira chikwereti, vateresi vanoedza kuongorora kana kuti havangadzokeri mari yavo zvakare. Zvinonyanya kutarisa chikwereti chako uye mari yako yekuita chisarudzo.
Chikoro chenhamba: Nhoroondo yako yekukwereta ndeimwe yezvinonyanya kukosha. Vatengesi vanoda kuona kana wakakwereta mari munguva yakapfuura, uye kana iwe kana kwete iwe uchibhadhara chikwereti nenguva.
Saizvozvowo, vanoda kuziva kana iwe uri kumashure pane chero zvikwereti-kana iwe uri kutambudzika, havadi kubvuma chikwereti chitsva. Kana iwe wakabudirira kubhadhara uye uchibhadhara chikwereti kakawanda, iwe uchava nechikwereti chakanaka, uye iwe unogona kunge uchibvumirwa.
Kubhadhara: Vatengesi vanodawo kuona kuti mune mari yakakwana yekuwana mari yekubhadhara chikwereti chenyu-kusanganisira chikwereti chitsva chaunenge uchikumbira.
Kuti vaite izvi, vanoverenga chikwereti chekuwana chikwereti , icho chinotarisa kuti mari yako yakawanda yemwedzi unoenda kune chikwereti chako chose. Zvishoma, zviri nani.
Zvimwe zvinhu: Chikwereti chako uye mari yako ndeyezvinhu zvinokosha kupfuura zvimwe, asi mamwe mashoko anoratidza kana iwe uchatenderwa kana kuti kwete. Semuenzaniso, vamwe vateresi vangave vanofarira zvikuru mari yechikwereti yemotokari itsva musingapesani nemotokari yakashandiswa, kana imba imwe chete-dzemhuri panzvimbo yekutsvaga mari.
Kana iwe usingakwanisi kugamuchirwa iwe pachako, mushandi wekusimbisa angabatsira. Kunyanya kana iwe chikwereti chako chichiratidza kuwana shamwari, uyo anokweretesa arikuti haunosangana nemvumo yekugamuchirwa iwe pachako. Chero bedzi mutungamiri wako ane chikwereti chakanaka uye yakawanda yemari, kuwedzera ruzivo rwavo kune yako yekushandira kuchavandudza mikana yako.
Kuwana Cosigner
Ndiani waungashandisa semubatsiri? Tanga neshamwari, mhuri, uye ani zvake anokurudzira iwe. Iwe unoda mumwe munhu anofarira kukubatsira iwe uye ndiani anokuziva iwe zvakakwana kuti utore njodzi. Funga nezvevanhu vanotenda mauri uye vanzwisise kuti zvakaoma sei kushanda kubhadhara chikwereti.
Nhengo dzemhuri dzinogona kukuziva zviri nani kudarika chero ani zvake, asi dzinofanirwa kunge dziine nzvimbo yakasimba ivo pachavo. Iko inonzi cosigner yakanaka inokwereta ane ruzivo nemari yakawanda inowanikwa kuti uwane chikwereti chako.
Izvo hazvingakuiti zvakakosha kukumbira mumwe munhu ane chikwereti chakaipa (kana kuti kwete mari) kuti ataure. Chikwereti chakasimba chinovandudza kushanda kwako, uye mari yakakwana inopa rubatsiro rwekuchengetedza kana hupenyu hwako hunotendeuka kusatarisiri.
Vabereki vako vangada kukubatsira kutanga kuvaka chikwereti , shamwari dzako dzinoda kukupa ruoko, kana mumwe mutsigiri angatenda iwe unogona kubhadhara chikwereti kana iwe uchikwanisa kuitora.
Usashamisika kana pasina munhu anoda kukupa iwe. Kune vanhu vakawanda, hazvina ngozi. Kunyangwe kana mubatanidzwa achida kubatsira, vangave vasinganzwisisi kuisa ramangwana ravo kana mari yemhuri yavo mumutsara.
Kana iwe uchikwanisa kuwana mutevedzeri, tora mutoro. Varikuitira nyasha huru, uye vanoita chimwe chinhu chaunokwanisa kuti iwe haugone kuzviita iwe pachako. Ita chero zvaunotora kuti uwane chikwereti icho chaibhadhara-kuzvipira, kushanda zvakanyanya, uye uone mari yose yaunopedza kusvikira chikwereti ichibhadharwa.
Nzira Yokuwana Sei Munhu Wokugadzirira Iwe
Iva wakagadzirira: Kurambidza mumwe munhu chinhu chikuru. Enda muhurukuro nemashoko akawanda kuti ubatsire munhu kuita chisarudzo chakanaka.
- Iva nemwoyo wose: Izvi hazvizi nguva yekunyara pamusoro pemari yako, kunyange iwe une kodzero yekugadzirisa nzira yekubata nayo ukama hwako. Funga kugovana nekuwana mari yako uye nezvemabasa, izvo zvicharondedzera kukwanisa kwako kubhadhara chikwereti.
- Ziva zvakadzama: Tsvaga kunzwisisa kwakanyanya kwekuti chikwereti chako chinoshanda sei, kusanganisira mwedzi yemari, kubhadhara mari, uye zvimwe zvinhu. Pane nzira ipi yekusunungura cosigner mushure meimwe nhamba ye-pa-nguva yekubhadhara? Kurukura zvinhu izvi neavo vanozoita cosigner.
Gamuchirai uye kurukurai nezvengozi: Mumiririri wenyu anoda kuziva kuti iwe unofunga nezvekwereti sezvavari. Kunyanya, kuzivisa pamusoro pehungwaru hwavo chinhu chakanaka chekuita-vangave vasina kuziva nezvezvinetso zvingave, zvinorondedzerwa pasi apa.
Kana Iwe Usingakwanisi Kuwana Cosigner
Kana iwe uchida mutezi wekubatsiri asi iwe uchiuya pfupi, pangave nezvimwe zvingasarudzwa.
Gadzira chikwereti: Kana iwe ukakwanisa kumirira kukwereta mari, unogona kuona chikoro chako chikoro chavandudzwa mushure mekutora matanho ekuvaka chikwereti. Wana zvikwereti zviduku, uzvibhadhara, uye dzokorora. Iwe unogona kunyatsovandudza mikana yako yekutambira kugamuchirwa nemagadzirirwo akaita mari yakachengetwa zvikwereti .
Chibvumirano chechibvumirano: Kana uine chimwe chinhu chinokosha, ungakwanisa kukwereta kuchikosha chefa yako. Vatengesi vanoda kuchengetedzwa-ingava mutsigiri kana zvinhu zvavanogona kutora uye kutengesa kuti vadzorere mari yavo. Ichokwadi kuti izvi zvinokuvadza nekuti iwe unogona kurasikirwa nezvinhu uye unopedzisira uri mumamiriro ezvinhu akaipa. Semuenzaniso, unogona kurasikirwa neimba yako mukugadzirisa kana kuva nemotokari yakadzorerwa (kukusiya iwe usingakwanisi kuenda kubasa uye kuwana mari).
Borrow zvishoma: Zvingave zvisingave sarudzo yako yekutanga, asi kune nzira yekubhadhara zvido zvako nemari shoma? Iwe unogona kugamuchirwa chikwereti chiduku nokuti chikwereti chiduku chinoreva mari shoma-iyo mari yako inogona kukwanisa kutsigira.
Ndeipi Dambudziko Rinoitwa neChogner?
Kubata munhu kune chiito chechipo. Vanhu vanowanzoshamisika kuti njodzi yavanotora pavanosarudza, saka zvakakosha kune vose-pamagumo ose epambani-kuti vanzwisise zviri kuitika.
Kubhadhara chikwereti: Chokutanga, muturidzi wekodhi ndiye ari kukonzera chikwereti. Kana iyo yakakwereta yepakutanga isingakwanisi kubhadhara, mubatsiri anotevera ari mumutsara, uye uyo anopa chikwereti achaedza kuunganidza. Unogona kuva nechinangwa chakanaka chekuripira, asi zvinhu zvinoitika. Iwe unogona kukuvadzwa kana kuurayiwa munjodzi (kusuruvara kuunza izvi), uchisiya mutevedzeri ane mhosva yekubhadhara kunze kwekuti chikwereti chako chikanganwirwa paakafa .
Kukwereta kukwereta kukwanisa: Nokuti vashandi vekodha ndivo vane mhosva yezvikwereti (kunyange zvazvo vangave vasati vambobhadhara), chikwereti chavo chakakanganiswa . Kana mutengi achida kukwereta mune ramangwana, vateresi vachaona kuti mushandi wekodzero angave achida kubhadhara chikwereti chakawedzerwa, uye izvo zvingava mutsauko pakati pekubvumirwa uye kurambwa.
Chikwereti chakakanganisika: Ndinopa cosigner asingakwanisi kana asingadi kubhadhara chikwereti, chikwereti chavo chichatambura. Zvakaita sokuti vakakumbira chikwereti pachavo-kana chikasabhadharwa, vanokweretesa vacharondedzera kubhadhara kusingabhadharwi kune chikwereti chekwereti uye chikwereti chakasimbiswa kare chakashata. Izvi zvinogonawo kuva dambudziko kana uyo akwereta akashaya zvikwereti zvishomanana kunze kwekuti muvakidzani achitsvaga nezvazvo. Mutevedzeri angave asingambofaniri kubhadhara chero chinhu, asi iyo inokonzerwa kubhadhara ichakanganisa chikwereti chake.
Kana iwe uchifunga kubvumirana kune mumwe munhu, iva nechokwadi chekuverenga Usati Waita Sarudzo kuti uwane mamwe mashoko.
Kubhadhara Kosigner?
Masangano akawanda uye vanhu varipo vanopa mazano ekubvumirana, uko iwe unogona kubhadhara mumwe munhu kuti akupe iwe. Ramba uchichenjerera paunenge uchishandisa masangano aya. Ongorora kuti ingozi yekupa mubayiro tradeoff inonzwisisika kune mupikigner: Iwe uchabhadhara mari shoma, uye mubatsiri ane basa rekubhadhara chikamu chezana chemari yako. Iwe unoda kunzwisisa kuti izvi zvinonzwisisika sei kune mumwe munhu.
Kana zvinonzwika zvakanyanya kuti zvive chokwadi, zvichida. Kunyanya pazviitiko zvakadai se craigslist, vanhu vanovimbisa kunyora, asi vangave vanyori. Chenjerera kune ani zvake anokumbira nhamba yako yebhangi yebhangi nemamwe mashoko akafanana, kana kuti iyo inoda kubhadharwa nekutora pasina nzira yekuvimbisa kuti inoteerera kuburikidza nemutengo .