Mafambisirwo Anokwidziridza Mari Inowanikwa
Nhamba Iyo Numeri Yakashanda Nayo
Miripo inobhadharwa kwenguva yakareba. Kakawanda, mutero wega wega wega wega wega wega wega unoenda kune huwandu hwekutora uye pamwe chete uchideredza kuderedza chikwereti.
Pakupedzisira, iwe unobhadhara chikwereti chechikwereti zvachose. Iyi nzira inonzi kudanana .
Nechikwereti chechikwereti, unoda chikwereti chekukweretesa kuti uwane zero usati hwasvika.
Nzirai Mari Mari Inoenda Pasi Pasi
Mari inokwidza pasi apo chinhu chaunotenga chinotasikirwa kukosha kunokurumidza kudarika chikwereti chikwereti chinoderera. Somuenzaniso, motokari itsva yemotokari inogona kudhura $ 25,000. Makore mashomanana gare gare ingangodaro inokwana $ 15,000. Kana iwe uine chikwereti chinopfuura $ 15,000 pane chikwereti, iwe une chikwereti chechikwereti. Iwe uchafanirwa kunyora cheki kuti utengese chinhu chacho kana kuti ugare uchiripa nokuda kwekusina maturo.
Kuti udzivise dambudziko iroro, unofanirwa kubhadhara pasi chikwereti (kana kuti uite amortize) nekukurumidza kupfuura icho chinhu chinorasikirwa kukosha. Nokuda kwezvikwereti zvemotokari, iwe kazhinji unoda chikwereti chinopedza makore masere kusvika mashanu. Mhemberero yakareba (semakororo matanhatu nemakore manomwe) inogona kubatsira kuchengetedza mwedzi miviri pasi, asi iwe unogona kukanganisa kusvika kumagumo emari yako.
Musha Wokubhadhara Musha Unotarisana Here?
Zvikwereti zvakaderera pamadziro zvakanyanya kuoma nekuti unogona kutarisira dzimba kuti dziwedzere kukosha pane kwenguva refu (motokari inorasikirwa nehuwandu nokuda kwekuderera zvakanyanya pakarepo mushure mekunge mazvitenga).
Zvisinei, iyo subprime debacle inotanga muna 2007 yakaratidza kuti kuwira kwemitengo yeimba ingozi chaiyo chaiye. Munyika yekutengesa, pane dzimwe nguva izwi rokuti "pasi pemvura" kana kuti kusaenzana kwakashandiswa rinoshandiswa panzvimbo yekuderera.
Mutengo wekufamba hausi wega pangozi : mamwe marudzi ezvitoro anogona kukukwevera pasi pemvura nokuti chikwereti chako chechikwereti chinowedzera kupfuura nguva.
Zvasarudzwa zveHurusidhe pasi Mari
Kana iwe ukawana chikwereti chako uchikwira pasi, une zvisarudzo zvakaoma kuita.
Ride it out: imwe sarudzo ndeyokuchengeta motokari yako kana imba uye kuramba uchibhadhara chikwereti. Zvinosuruvarisa, izvo hazvisi nguva dzose zvinogoneka. Kugadziriswa kwemari kunogona kuita kuti motokari iwedzere dambudziko kupfuura zvakakosha, uye iwe ungada kuendesa uye kutengesa imba yako. Kana iwe ukatora nzira iyi, tsvaga inshuwarisi yepasipo yekuchengetedza njodzi yako.
Kutengesa (uye kubhadhara): imwe nzira ndeyokutengesa-kungoisa kuguma kwezvinhu. Nhau dzakaipa ndeyokuti kutengesa hakuzounzi mari yakakwana yekubhadhara chikwereti, saka iwe uchazofanira kuuya nemari iwe pachako. Kana uri kutengesa motokari, zvingava zvakanaka kuti uzvitengese iwe pachako, sezvo iwe unogona kazhinji kuwana matanho akakwirira kubva kune vatengi vepamberi kupfuura iwe uchatora kubva kumutengesi.
Ita izvi: iwe unogonawo kumisa kubuda ropa nekushanda pamwe nemari yako. Kurukurai zvaunogona kuita neunokupa chikwereti uye nebhenji reko kana chikwereti chekubatana. Imwe nzira ingangodaro yekutengesa motokari yako uye kugadzira chikwereti chitsva chero kupi zvako kwakasabhadharwa. Izvi zvingada kuzvipira zvekuzvidira . Iwe hauzove nemotokari, asi iwe uchange uine chikwereti chepasi pamwedzi uye pasi inotora mari inofambisa mberi. Gadzirai izvi nekutenga motokari isingadhuri, uye iwe unogona kunge uri munzira yako kuenda kune mari yakasimba.
Kana, iwe unogona kuedza kukodha motokari panzvimbo.
Rongedza chikwereti: chisarudzo chinoedza, icho chinoshandiswa kupfuura izvo zvingafanirwa, ndekutsvaira chikwereti pasi petipi. Tungamira kune mumwe mutengesi, uye tsanangura mamiriro ako. Iwe unogona kutengesa mumotokari yako iripo kune imwe itsva, uye kuwedzera chero chikwereti chisina kubhadharwa chikwereti kumari yako itsva yemotokari. Zvechokwadi, iwe uri kubhadhara yemotokari yako itsva nemotokari yako yekare mwedzi wega wega - iyo isinganzwisisi kuchenjera. Iwe uchapedza nepamusoro pekubhadhara kwemwedzi uye iwe uchabhadhara chido chikuru pane zvaunoda.