Paunenge uchitsvaga imba itsva kana kuti chikwereti chemari, unogona kunge uchishandira zvikwereti zvakati wandei kuti uwane chikwereti chakanaka kana kuti kuwana mukwereti uyo achabvumira basa rako. A broker mortgage kana mutengesi wemotokari anogona kuita zvikumbiro kwauri, saka iwe unogona kunge usina kunyatsoziva kuti maitiro akawanda akaitwa iwe kusvikira iwe uchivaona pamushumo wekwereti yako. Kuziva kuti mibvunzo yechikwereti ine simba rakaipa pane yako chikwereti chikwata, unogona kunge unonetseka kuti kutengesa mabhizimusi kuchakuvadza chikwereti chako.
Hezvino izvo zvaunoda kuziva.
Nhaurirano yemari ndeye "zvakaoma" mibvunzo , zvichireva kuti ihwo chigumisiro chekushanda kwawakaita. Aya ndiwo mhando yemibvunzo inogona kukuvadza chikwereti chako. Mhinduro ndeye 10% yekwereti yako chikwereti uye gara uri pamushumo wekwereti kwemakore maviri. Izvo chete mibvunzo kubva mumwedzi 12 yapfuura inowanikwa mune yako chikwereti mapeji.
Iko mubhadharo wekutenga unobatsira kuti uwane chikwereti
Vakawanda vechikwereti kugovera zviyero vari kukanganwira kana zvasvika pakuona kutengesa. Havana kubata mibvunzo yose yakafanana. Zvechokwadi, kutora chikwereti, nemotokari, uye mibvunzo yezvikwereti zvevadzidzi kunowana rudzi rwekurapa kwakakosha nokuti vatori vechikwereti vanoziva kuti uri kutsvaga zvakanakisisa, kwete kuedza kubhadhara mari yakawanda, chikwereti, kana kuti chikwereti chemudzidzi. Kunyatsopindurwa kwemibvunzo yakawanda yezvikwereti kunobva pane chikwereti chekuenzanisa muenzaniso chinoshandiswa.
Chokutanga, kubvunzwa kubva kune avo vanokweretesa havakwanisi kuiswa muchikwata chako chechikwereti zvachose kwemazuva makumi matatu ekutanga mushure mokunge vaitwa.
Chikwereti chako chikwereti hachizogumburwi nekuda kwekushanda kwechikwereti uye hachizoita kuti zvive zvakaoma kuti iwe ugone kugamuchirwa.
Zvadaro, mazuva makumi matatu mushure mekunge maita shanduro yekutanga, zvose zvese zvakagadzirwa mukati memakore zvinoshandiswa sechinhu chimwe chete mubvunzo mune chikwereti chako. Nguva iyo nguva yakasiyana kubva pamasikati kusvika ku45 zvichienderana nekwereti scoring model iyo inoshandiswa kukwevera chikwereti chako.
Izvo zvitsva zvinokonzerwa nezvikwereti zvekwereti zvinoshandisa vhidhiro remazuva makumi mashanu ekutengesa. Saka kana iwe uchiita maitiro mashanu kana gumi nemashanu, vanozoverenga semubvunzo mumwe chete wekwereti yako chikoro (zvichienderana nerudzi rwekwereti chikoro, hongu.)
Iyi "danho rekutengesa" kunze kwemibvunzo yakawanda inoshanda chete kune mari yekubhadhara , auto, uye zvikwereti. Kana iwe uri kuwanza kadhi rechikwereti, semuenzaniso, mubvunzo umwe neumwe unobatwa seusenzi mumwe chete pasinei nokuti unoita sei uye nguva yaunoita. Chikwereti chako chikwanganiso chinogona kukanganisa nechekushandisa kwekadhi kadhi rekwereti.
Kunyange zvazvo mvumo yakawanda yezvikwereti inogona kurapwa seimwe chete mubvunzo mune chikwereti chako, kunyange iyo kubvunza imwe chete kunogona kuita kuti chikwereti chako chikwereke. Zvisinei, zvinokonzera chikwereti chako chikamu chinofanira kunge chakangofanana kana iwe waizokumbira chikwereti chimwe chete uye chichaderera kwechinguva apo iwe unoderedza kushandiswa kwako kwemazuva anotevera uye uite zvose zvaunobhadhara panguva.
Unofanirwa Kuongorora Mari?
Usarega kutya kwezvinogona kuitika kune chikwereti chako chikwangwani kunokuchengetedza kubva pamatengesi kumativi ose. Ndiyo nguva dzose kuchenjera kunofadza kuti uite chero nguva iwe uri kubhadhara mari yakawanda sekutenga semusha kana motokari.