Kunzwisisa uye Kutarisira Ngozi
Zvinorevei Kusarudza?
A cosigner mumwe munhu anobatsira wakwereta kubvumidzwa .
Vamwe vanokwereta havakwanisi kugamuchirwa voga: havana mari yakakwana yekuvhara mari yekubhadhara chikwereti, kana kuti chikwereti chavo chikwereti chingave chakanyanyisa (kana izvi zviri pamusana pezvinetso kare, kana kungorega kukwereta nhoroondo) .
Paunosarudza, unobvumirana kutora chikwereti kune wakwereta: iwe unova 100% ane mhosva yekwereti. Kana uyo akakwereta asingakwanisi (kana asingadi) kubhadhara, uyo anokweretesa anotarisira kuti iwe ubhadharire. Icho chinosanganisira chero uye yese iyo mwedzi pamwedzi kubhadharwa kusvikira chikwereti chikwaniswa zvachose, pamwe chete chero nguva yapera kana kuti chirango chemhosva. Iwe unotarisirwa kuti uwane mari mu-nguva.
Kuti uite, iwe unonyatsopinda chibvumirano chechikwereti nemunhu anenge akwereta kana kubvumirana nemashoko ari paIndaneti.
Ngozi dzeChoggning
Zvakanaka kubatsira mumwe munhu kutenga chikwereti, asi zvakakosha kunzwisisa njodzi dzisati dzaita. Pane chikonzero icho chikwereti chinoda mubatanidzwa: anokweretesa haasi kuvimba kuti munhu mukuru anotora chikwereti anogona kudzorera zvakakwana uye nenguva.
Kana unyanzvi wekwereti asingatendi kune akakwereta, iwe zviri nani une chikonzero chakanaka chokutora matambudziko aya.
Kukuvadza kune chikwereti chako: kana chikwereti chacho chisingadzokeri sezvakabvumirana, chikwereti chako chinotambura pamwe chete nekwereti yechikwereti chikuru. Kwapera nguva uye kutadza kubhadhara kucharatidza pamakero ako emari, uye chikoro chako chikoro chichawa .
Izvi zvinoita kuti zvive zvakaoma kuti iwe uwane zvikwereti, uye pangava nemimwe migumisiro (kufanana nehuwandu hwehushuwarhu yemari ).
Une mari here? Wabvumirana kuti uvhare mari yekubhadhara chikwereti, saka vateresi vanotarisira kuti iwe uuye nemitero inodiwa - pamwe iwe uri kubhadhara mari yekupedzisira pamusoro peiyo mitero yemwedzi. Hazvina mhosva kana akakwereta ane mari yakawandisa kupfuura iwe - uyo anokweretesa ari kuzounganidza pose pose zvichibvira, uye iwe unobvumirana kuzviisa mumusanganisi paunotora. Izvo hazvina basa kuti sei akakwereta ari kubhadhara: vangangorasikirwa nebasa, vapfuure, vakuremara, kana kuti vanongopera. Iwe uchawana foni netsamba kubva kune vatengesi (uye pakupedzisira zvikwereti vatengesi) uye iwe unogona kunge uine kutonga kwepamutemo pamusoro pako.
Mutongo wepamutemo: kana iwe usingakwanisi kubhadhara, vateresi vangakupa mhosva yepamutemo pamusoro pako . Izvi zvinoedza kuunganidza zvichazoonekwawo pane zvikwereti zvekwereti uye zvinowedzera kukuvadza. Zvakapfuura, vateresi vanogona kukwanisa kubhadhara mubairo wenyu uye kutora zvinhu kubva kubhengi renyu rebhangi kana iwe usingatengi kubhadhara. Iyi haisi ngozi yekutorwa zvishoma.
Kuderedza kukwanisa kukwereta: paunotora chikwereti, vamwe vatengesi vanoona kuti wabvumirana kuvimbisa chikwereti chomunhu. Somugumisiro, vanofungidzira kuti iwe ndiwe uri kubhadhara.
Izvi zvinoderedza muwandu wemari yako yemwedzi wega yega inowanikwa kuti uite mari pazvikwereti zvitsva . Kunyange zvazvo iwe usingakwereti - uye kunyange iwe usingambofaniri kubhadhara chikwereti chimwe chete pane zvikwereti zvaunotarirwa nazvo - zvakaoma kuti iwe uwane chikwereti chaunoda. Izvi zvinogona kukudzivirira kuti urege kutenga imba kana motokari.
Hazvisi nyore kunze: kana wapedza kubatanidza, iwe wapinda muukama hurefu. Vatengesi vangazeza kukuregedzai kubva pachikwereti - sei ivo, kana vaine vaviri (kana kupfuura) vanhu kuti vatore kubva panzvimbo imwe chete? Zvinokwanisika kubvisa iwe kubva kune chikwereti pane dzimwe nguva, asi izvi hazviwanzoshanda nenzira yaunotarisira.
Zvose zvengozi, Hapana zveZvibatsiro
Paunosarudza, iwe unova nemhosva yechikwereti - ndizvo zvazviri. Iwe hauna chaunenge uchitenga, uye iwe hauna kodzero yeimba yacho nokuti iwe wakabatanidza.
Kana uyo akakwereta achirega kubhadhara, pane (mumamiriro ezvinhu akanaka) unogona kugadziriswa mutemo unogona kutevera kuti uwanezve zvimwe zvawakarasikirwa nazvo, asi usawana tariro yako-uye nguva nesimba raunoshandisa zvichave wakaenda zvakanaka. Kana iwe usiri kuisa njodzi, usapindira.
Painoita Sense kuChina kune Mumwe Munhu (zvimwe)
Zvakaoma kutaura kuti kuburitsa hakunzwisisiki. Izvo zvinokuvadza, asi iwe unongoda kuongorora zvengozi uye sarudza chaungaita.
Iwe unokwanisa kukwanisa kuisa njodzi: kana iwe uchikwanise kutora njodzi uye iwe unongoda kuzviita, zvingava zvine musoro kuisa. Izvi zvinogona kunge zviri izvo kana iwe uine zvakawanda zvekuwedzerwa kwemari uye mari yakawanda inowanika kubhadhara chikwereti kana wako akakwereta achifa. Iwe unodawo kuve nechokwadi kuti unobhadhara chero ipi zvingave yakakwereta inogona kunge iri mune ramangwana rako - iwe unoda mari yakakwana nemari kuti uwane. Yeuka kuti iwe unogona kukwanisa kuisa njodzi ikozvino, asi iwe unokwanisa kukwanisa kurasikirwa kurasikirwa panguva isingazivikanwi munguva yemberi zvakare.
Iwe uri mairi pamwe chete: kana iwe uri kukwereta zvechokwadi kune mumwe munhu, zvinogona kuita zvinonzwisisika kunyora. Semuenzaniso, iwe unogona kunge uchitenga motokari iyo ichava chikamu cheimba yako, uye mumwe wako anoda zvishoma kukusimudzira kuti agamuchirwe. Izvo zvakati, zvingave zviri nani kuva mubiki wemu motokari uye kubhadhara chikwereti pamwe chete.
Iwe unoda kubatsira (uye hakuchina zvimwe zvingasarudzwa): mune zvimwe zviitiko, vanhu vanoda kungobatsira mumwe munhu, vauye chii chingave. Zvakare, iwe uri kutora hutano hukuru kana iwe uchisarudza, asi iwe unogona kunge uchida kutora ngozi idzodzo. Dzimwe nguva zvinhu zvinoshanda zvakanaka-asi iwe unofanirwa kuva wakagadzirira kuti zvinhu zviitike zvakaipa.
Alternatives to Cosigning
Usati wasarudza, chengorora dzimwe nzira. Iva nekugadzira uye uone kuti chii chichaita izvo munhu wese anoda - nekuchengetedza munhu wose akachengeteka. Pane mazano mashomanana kukutangira iwe uri pasi apa.
Batsira nekudzikisa kubhadhara: panzvimbo yekugadzirisa kuitira kuti ako akakwereta anokwanisa kubhadhara chikwereti, anobatsira nebhadharo yepamusoro panzvimbo. Kubhadhara kukuru kunogona kuita kuti pave nemari yakaderera inowanikwa pamwedzi -zvichiita kuti zvive nyore kune akakwereta kuti ave akakodzera kuwana mari shoma. Zviri pachena kuti unofanirwa kuva nemari yakawanda iripo, uye iwe unoda kutaura pamusoro pekugadzirisa sei kubhadhara kuripo (icho chipo, kana iwe unoda kugadzira chibvumirano chekubhadhara chikwereti?).
Kweretesa: kutaura nezvezvikwereti zvemari, iwe unogona kukweretesa iwe pachako kana kune ngozi yakawanda yekusafa (uchifunga kuti unogona kukwanisa kurasikirwa nemari). Iva nechokwadi chokuti iwe unotaura zvakajeka pamusoro pezvaunotarisirwa uye unowana chibvumirano. Imari yepachivande - uko iwe uri bhangi - imwe nzira yakanaka yekubatsira mumwe munhu . Kunyange zvakadaro, zvikwereti izvi zvinogona kuita kuti zvinhu zvive zvisina kunaka uye kuparadza ukama, uye zvingava zvakaoma kune akakwereta kuvaka chikwata nezvikwereti.
Kana iwe Shingairira Munhu
Kana iwe ukasarudza kuti kuburitswa kunonzwisisika kwauri, ita zvengozi kuzvidzivirira iwe neukama hwako. Usashamisika kana iwe uchifanira kubhadhara: Federal Trade Commission (FTC) yakambotaura kuti vazhinji vanenge 75% vevosigners vanokumbirwa kubhadhara mumwe munhu.
Kukurukurirana: kukurukurirana kubatana. Gara uri pedyo nemunhu mukuru anotora chikwereti, uye kukurudzira kukurukurirana kare uye kazhinji.
Wana ruzivo: iva nechokwadi chokuti uchave nekwaniso yekukweretwa kwekwereti uye nemari yekubhadhara. Kumbira kuti uyo anokweretesa akuudze iwe chero ipi zvayo yekubhadhara-tsamba yakakura, asi shandisa mavara kana ma email mazano kana zvichibvira .
Rambai ikozvino: kana iwe ukawana kuti kubhadhara kuri kukanganisa, edza kuchengeta chikwereti chenyu kuti urege kukuvadza chikwereti chako (nokuzvibhadhara iwe pachako). Izvi handizvo zvaunoda kuita, asi ndizvo zvawakabvumirana nazvo. Zvechokwadi, iwewo unoda kuziva kuti chii chiri kuitika kune wakwereta uye kuvadzosera kumugwagwa.
Gadzirisa njodzi: apo chinangwa chiri kungobatsira munhu kuvaka chikwata, chengetedza ngozi yako nekuchengeta chikwereti chiduku uye kwenguva pfupi. Kana iri chikwereti iwe unogona kubhadhara nyore nyore, une zvishoma zvokufunganya nezvazvo. Uye chikwereti chinokodzera mukati megore kana zvakadaro zvinoreva kuti unogona kupedza nguva shoma uye kuchengetedza simba kwechikwereti.
Kosunungurwa: zvimwe zvikwereti zvinobvumira muturidzi wekusunungurwa kuti asunungurwe mushure mekunge mamwe maitiro akazosangana (somuenzaniso, kana akakwereta achiita nguva-nguva yebhadharo kweimwe nguva yenguva). Shandisa mukana uyu nekukurumidza. Kunyange kana iwe unotarisira wakwereta kuti arambe achibhadhara, zvakakosha kubvisa chikwereti kuitira kuti iwe usunungure mari yako, uye iwe hauzive kuti zvinoshamisa zvichauya muupenyu.