Kana iwe uchitarisana nehuwandu hwechikwereti chechikwereti (kana iwe wakatova nacho kana kuti chinoratidzika sechisarudzo chaicho chete chiripo), tarisa nenzira dzisingadhuri mari yekuwana mari yaunoda.
Kuderedza mari yako yokubhadhara zvinoreva kuti iwe unotora zvakawanda kuti udzikise chikwereti chako.
Chiratidzo Chikwereti
Zvikwereti zvemunhu zvikwereti zvikwereti zvemari kubva kubhangi kana chikwereti chekoni Izvi zvikwereti zvinodhura zvakaderera kupfuura makadhi emakwereti, kubhadhara chikwereti, uye chikwereti chikwereti. Vanouya nehuwandu hwechidimbu chechikwereti , uye iyo iyo inowanzosimbiswa muhupenyu hwose hwechikwereti chako - saka iwe haunzwisisike kuti upinde mu "teasers" kana kubhadhara kushamiswa kunowedzera. Kudhengetwa kwemari kunofanirawo kuva yakaderera kana kusipo (uchifunga kuti iwe unoshandisa bhangi kana chikwereti chekwereti, kusiyana neshizha rekubhadhara chikwereti ); zvose zvaunenge uchibhadhara zvakabikwa muzinga rekuda.
Newe chikwereti chako, iwe uchakwereta zvose zvaunoda kuti ubhadhara zvimwe zvaunosungirwa mune imwe bundu-sum. Zvino iwe unogara uchitora mwedzi we "payment" nguva dzose kusvikira chikwereti ichibhadhara (pamusoro pemakore matatu kana mashanu emakore , somuenzaniso). Nekubhadhara kwemwedzi mumwe nomumwe, chikamu chebhadharo chinowedzera kugadzirisa chikwereti chikuru chechikwereti, uye zvimwe zvacho zvinoshandisa mari yako yekutora (iyi inozivikanwawo sekumanikidza).
Ko kana iwe ukasvika pane imwe mari? Zvikuru izvo. Iwe unogona kazhinji kubhadhara chikwereti chero nguva pasina chechi .
Kuti uwane chikwereti chako, iwe uchada chikwereti chakanaka uye mari yakakwana yekudzorera chikwereti. Asi haufaniri kutora chibvumirano - iwe unongoda kuvimbisa kuti iwe ucharipira, ndicho chikonzero izvi dzimwe nguva dzinozivikanwa se "chikwangwani" zvikwereti.
Munhu-ku-Munhu Mazano
P2P zvikwereti ndezvimwe zvikwereti pane zvikwereti zvemunhu. Panzvimbo yekukwereta kubva kubhangi kana chikwereti chekambani, unogona kuedza kune vamwe vanhu . Vanhu ivavo vangave shamwari neshamwari, kana vangangodaro vasingazivi zvakakwana avo vanoda kupa chikwereti kuburikidza newebsite yeP2P.
P2P zvikwereti dzimwe nguva zviri nyore kuti zvikwanise kana iwe uine chikwereti chiduku-kupfuura-chakakwana kana mari isina kukwana (zvechokwadi, zvinongonzwisisika kukwereta kana uri nechokwadi chokuti uchakwanisa kubhadhara). Kunyanya neshamwari nemhuri, mari yako ingave isina basa, asi ichiri chikonzero chakanaka chekudzivirira "chikwereti" uye ukama hwako. Ita zvinhu zvose zvakanyorwa, saka hazvina kushamisa, uye kuchengetedza zvikwereti zvakakura (semuhomwe wemusha) pamwe chete kana chimwe chinhu chichiitika kwauri.
Balance Transfers
Kana uine chikwereti chakanaka, iwe unogona kukwereta kune pasi "teaser" mazinga kuburikidza nekushandisa zvakanakira kutengesa kupiwa. Izvi zvingada kuzarura gwaro rekare rekadhi rechikwereti, kana iwe unogona kuwana nyore kutengesa kubva kumabhuku ako aripo anokubvumira kubhadhara 0% APR kwemwedzi mitanhatu kana zvakadaro.
Kuenzanisa kwekuenzanisa kunogona kuita zvakanaka kana iwe uchiziva kuti chikwereti chichava pfupi. Zvisinei, zvakaoma kufanotaura nezveramangwana, uye iwe unogona kugumisa kuchengeta chikwereti ichocho mumabhuku kupfuura chero nguva dzekusimudzira - uye iyo "kusununguka mari" ichashandurwa muhomwe yekutora chikwereti.
Shandisa mubhadharo kutengesa kunopa zvishoma, uye teerera kutora mari inogona kubvisa zvose zvinobatsira.
Musha Equity
Kana uine hutano hwakawanda mumba mako , unogona kuedza kukwereta kumba kwako. Chechipiri yekubhadhara mari kazhinji inouya nechechichechi chibereko chekuda (zvakare, kana ichienzaniswa nemakadhi ekwereti nemamwe mvumo yevatengi), asi ivo vari kure nekukwana.
Dambudziko guru nemari yekubhadhara chikwereti ndeyekuti iwe unopedzisira uchinge wakarasikirwa nemusha wako: kana ukakundikana kubhadhara sekubvumirana, wako chikwereti angakwanisa kukumanikidza uye kutengesa imba yako . Muzviitiko zvizhinji, haisi ngozi inotora - zviri nani kushandisa "zvikwereti" zvisina kukodzera sezvikwereti zvataurwa pamusoro apa. Zvichida, iwe unofanira kubhadhara mari yekuvhara kuti uwane chikwereti chekuwana chikwereti, uye iyo mari inogona kuwedzera kusvika kumazana emadhora.
Dambudziko Rinofanirwa?
Kusarudza pamusoro pekwereti yakakodzera kune zvaunoda zviri nyore - kugamuchirwa kunobatanidzwa chikamu chakaoma.
Saka iwe unoitei kana iwe usingagoni kuwana chikwereti?
Enda zviduku: iwe unogona kuva nerunako pane zvinyorwa zviduku. Zvikwereti zvekwereti nemabhenji emunharaunda zvicharamba zvichicherechedza chikwereti chako uye mari yako, asi inogona kunge yakanyatsochinja kune megabanks.
Chibvumirano chechibvumirano: kana iwe usina mari yakakwana nemari kuti uwane chikwereti, une zvinhu here? Iwe unogona kukwanisa kushandisa zvinhu izvi sekutora uye kubvumirwa kune chikwereti. Shandisa mabhanga emagariro uye zvikwereti zvekwereti kana zvichikwanisika, uye shandisa mari yekuchengetedza mari chete sekupedzisira kushandura. Pabhangi kana kubhadhara chikwereti, iwe unogona kukwanisa kubhadhara mari dzekodha, maCD, uye dzimwe nhoroondo dzezvemari sechibvumirano.
Shingairira: mubatanidzwa wekubatirana angakubatsirawo kuti uwane. Kana iwe uchiziva mumwe munhu ane chikwereti chakanaka uye mari yakaisvonaka, vateresi vangashandisa chikwereti chomunhu iyeye uye mari kuti agamuchire chikwereti. Zvisinei, iwe uri kuisa mubhodha wako mubasa rakaoma - kana iwe ukakundikana kubhadhara chero chikonzero chipi, uyo anokweretesa anotarisira kuti mubatsiri wako abhadhara zvose zvawakakwereta, kusanganisira mari uye chido. Zvakakosha kuti mubati wako wekunyora anzwisise njodzi, uye kuti iwe unonzwisisa kuti kune rupo kune mumwe munhu kuti atayanise newe.
Kutarisa Mberi
Kuti urege kudzivirira chikwereti chekuda chikwereti munguva yemberi, kusimbisa mari yako
- Gadzira chikwereti kuitira kuti zvive nyore kubhadhara pamagariro akanaka
- Chengetedza mari yekukurumidza kuitira kuti iwe unogona kubhadhara mari munguva dzekuda
- Ronga mari yako kuitira kuti ugone kuchengeta mari mwedzi woga woga uye ubhadhara chikwereti