Maiti Kosigner Anobatsira
Mumwe mubatsiri ndiye munhu anokubatsira kuti uwane mvumo kune chikwereti. Muchengeti (uyo angangodaro ane chikwereti chakasimba uye mari) anopikira kuvimbisa kuti chikwereti chacho chinoritsidzirwa nekusayina chibvumirano chekukwereta newe.
Mune mamwe mazwi, mushandi wekodhi anotora mutoro wakakwana wechikwereti - kana iwe usingabhadhari chikwereti, wako mushandi anozofanira kuzviita. Kana mumwe wenyu asingakwanisi kubhadhara chikwereti, ipapo imi mose muchaona zvikwereti zvishoma zvishoma (uye zvichida kuedzazve kuunganidza kuburikidza nekuita mutemo ).
Pane nzira mbiri dzekupfuurira mberi kubva pano:
- Tsvaga cosigner, kana
- Ita basa rokutora chikwereti iwe pachako -pasina chero mupikigner.
Chinoita Kuti Ude Cosigner
Kana mabhenji achiongorora chikwereti chako chekubhadhara chikwereti, vanoedza kuziva kana iwe uchatsiva chikwereti chacho here kana kuti kwete. Munowanzo, vanotarisa zvinhu zviviri: chikwereti chako nemari yako.
- Chikwereti: Vateresi vanoongorora chikwereti chenhoroondo yako chekwereti kuti uone kana wakakwereta (uye wakadzorera zvikwereti) munguva yakapfuura. Kana iwe wakabudirira kubhadhara zvikwereti zvakati wandei, uri bheji rakachengeteka. Kana, kune rumwe rutivi, iwe usine chikwereti chekukwereta - kana iwe usina kukwereta kune zvikwereti munguva yakapfuura - vateresi havasi kuda kutendera chikwereti chako. Vatengesi vangave vachitarisa zvikwereti zvenyu zvekwereti (izvo zvamunogona uye munofanira kuzviita gore negore - ndiyo kodzero yenyu pasi pemutemo wehurumende ), kana kuti vanongoshandisa zvikwereti zvekwereti zvichienderana nemashoko ari mumakero enyu emari.
- Kubhadhara: Vanokweretesa vanotarisawo kuti unowana mari yakawanda sei, uye kuti mari yako yakawanda sei yemwedzi ichaenda kune kubhadhara chikwereti. Kana zvikwereti zvako zvinotora chikamu chikuru chemari yako, vanonetseka kuti iwe uchapinda pamusoro pemusoro wako. Kuti uite izvi, vateresi vanoverenga chikwereti chekuwana mari (somuenzaniso, vangave vachida kuti iwe uchengetedze zvikwereti zvako pasi pe30% yemari yako yose).
- Kuwedzera cosigner kunobatsira kuti uwane zvinokweretesa zvinodiwa kune chikwereti uye mari. Mumwe mubatsiri (achifungidzira kuti ane basa) anowedzera mari yechipiri inowanika kubatsira kubatsira kuita chikwereti. Zvakanaka, iwe uchabhadhara chikwereti iwe, asi uyo anokweretesa anoda kuve akachengeteka - uye nemubatsiri, vanogona kuunganidza kubva kuvanhu vaviri (iyo, mumabhanki maonero ayo, ari nani kupfuura imwe). Kana wako muchengeti ane chikwereti chakanaka, icho chinobatsirawo - kunyanya mumwe munhu ane chikwereti ane ruzivo rwekukwereta uye kubhadhara. Verenga zvakawanda pamusoro pekushanda kwemabasa .
Kuwana Cosigner
Kana iwe uchida kushandisa mushandi wekodhi, iwe uchada kuwana munhu ane chikwereti chakanaka uye mari yakakwana kuti ubatsire chikwereti chako chekubhadhara chibvumirwe. Muzviitiko zvakawanda, nhengo yemhuri kana shamwari yepedyo inoshanda semubatsiri. Cherechedza kuti chero ani zvake anonyora kwauri ari kutora ngozi yakawanda: ivo vanenge vane 100% vane mhosva yekubhadhara chikwereti chako.
Zvechokwadi, unoronga kuripa zvose iwe pachako, asi hupenyu huzere nezvinhu zvinoshamisa (ngozi yemotokari inogona kukupa nyore kukwanisa kubhadhara zvikwereti zvako). Iva nechokwadi chokuti mushandi wako anonyatsonzwisisa dambudziko uye anogona chaizvo kutora ngozi iyo usati waisa panzvimbo yakaoma.
Mutengi wako achada kuzadza chikwata chekubhadhara chikwereti newe uye kupawo zvimwechetezvo zvezvemari zvawakapa pamushandi wekukwereta.
Semuenzaniso, ivo vachada kusanganisira nhamba yavo yekuchengeteka kwevanhu, zuva rokuberekwa, mari, kero, nezvimwewo ruzivo. Ita kuti mushandi wako ave nehutano kana iwe uchikumbira chikwereti iwe pachako.
Go It Only
Kana iwe usingakwanisi (kana kuti usingadi) kuwana mutevedzeri, unogona kukwanisa kukwereta. Kunyanya kana iwe usingadi mari yacho pakarepo, unogona kushanda pakuvaka chikoro chako chikoro kuitira kuti iwe unogona kukwereta iwe pachako - iwe unoda kuita izvi zvakadaro.
Iwe unogona kutotogamuchirwa chikwereti ikozvino. Somuenzaniso, zvimwe zvikwereti zvevadzidzi zvinowanikwa kune vanokwereta zvisinei nokuti vane chikwereti chikoro. Vatengi vepaIndaneti vanogonawo kunge vachida kushanda newe, kunyange nechepasi-kupfuura-akakwana chikwereti - asi iva nechokwadi chekuti unomira pamwe nevakweretesi vane mbiri uye usabhadhara mari yekubhadhara mari yepaIndaneti.
Pakupedzisira, unogona kugamuchirwa chikwereti kana iwe uchinge waita chibvumirano - asi izvi zvinokuvadza zvikuru.
Kana iwe ukashandisa motokari yako sechikwata, inogona kutorazve (uye iwe haugoni kusvika kushanda), uye mari yemutengo wemotokari inonyanya kukosha . Kushandisa imba yako sechisimbiso kunogona kutungamirira pakufananidzira , izvo zvinoisa mhuri yako munzvimbo yakaoma kwazvo.