Zviri nyore kuita zvikanganiso kana zvichiuya kune chikwereti chako. Zvimwe kukanganisa zvinokuvadza zvakanyanya; iwe haungambodi kuti ivo vaoneke pamushumo wekwereti yako nokuti zvinokuvadza chikwereti chako mararamiro uye mikana yako yekubvumirwa kune makadhi emakwereti uye zvikwereti. Zvakaipisisa, ruzivo rwakashata runogona kuramba uri pamushumo wako wekwereti kwemakore manomwe, kana kuti 10 neChitsauko 7 kupera. Ita zvaunogona kuti urege kuva nezvinhu izvi zvisina kunaka zvakaswedzerwa kumugumo wako wekwereti.
01 Mhosva
Kushaya mari yako kwemwedzi 6 kana kupfuura kunogona kukonzera chikwereti chako kuti chibhadhe-kubvisa akaunti yako. Mhosva-iyo ndiyo kadhi rechikwereti rinokonzera chikwereti chikwereti chako sekusasvibiswa. Zvisinei, iwe uchiri kukwereta chikwereti uye uyo anokweretesa acharamba achikutevera nokuda kwebhadharo yakakodzerwa.
Nhoroondo dzebhadharo dzinoramba dziri pamutero wako wekwereti kwemakore manomwe, kubva pazuva iyo iyo yeruzhinji inodhadirwa-yakaiswa. Icho chikamu chemakore manomwe uye mazuva makumi masere kubva pazuva rawakatanga kuenda.
02 Chikwereti chikoro
Haisi kungoti vatengi vanobhadhara kero yako mushure mekunge pasina kubhadhara, vanogonawo kukwereta chikwereti chetatu chikwereti kuedza kubhadhara mari yako kubva kwauri.
Vakawanda vane chikwereti vateresi vanorondedzera nyaya yekuunganidza pamushumo wekwereti yako, achiwedzera chimwe chinyorwa chisina kunaka. Iko kuunganidzwa kuchagara pamusoro pemhosva yako yekwereti kwemakore manomwe, kunyange mushure mekunge iwe uchibhadhara. Nenzira yakanaka, kana iwe uchibhadhara chikamu, iyo nhoroondo inoshandurwa kuratidza kuti iwe wakabhadhara zvakakwana.
03 Bankruptcy
Kuisa bhadhaki kunokubvumira kuti ubvise pamutemo chikwereti kune vamwe kana kuti zvikwereti zvako zvose, zvichienderana nerudzi rwekudarika iwe unowira. Mharidzo yako yechikwereti icharatidza imwe neimwe yenyaya dzawakabatanidza mubhengi wako. Kunyange zvazvo ruzivo rwebhengi rucharamba ruchinge rwuri mukwereti wako wekwereti kwemakore manomwe kusvika kune gumi, iwe unogona dzimwe nguva kutanga kuvakazve yako chikwereti nguva pfupi mushure mokunge zvikwereti zvako zvabudiswa.
04 Kufananidzira
Kana iwe usina kutora chikwereti chako chemari, chikwereti chako chichadzorera imba yako uye yekutengeserana kwacho kuti uwane mari yekutengesa. Iyi nzira inozivikanwa sekutangira. Kana imba yako ichitaridzika inogona kukuvadza zvakanyanya chikwereti chako, ichidzikisa kukwanisa kwako kuwana mvumo mitsva mune ramangwana. Kufanirwa kuchasara pamushumo wako wechikwereti kwemakore manomwe.
05 Repossession
Repossession inoitika kana iwe usina kukwana pamari yako yekubhadhara mari uye uyo chikwereti anofanira kutora yemoto yako. Iwe unogona kunge wakaita semazuva mashomanana pamanheru ekubhadhara kwako uye uyo anokweretesa anogona kutanga kutora zvidzidzo. Kana kudzokorora kunowedzera pasi pekwereti yako yemari, ichagara kwemakore manomwe.
06 Mitero yemitero
Kana iwe usingabhadhara mitero yeimba pamba yako kana imwe chidimbu cheimba, hurumende inogona kutora iyo pfuma uye inotengeswa iyo kunze kwemitero isina kubhadharwa. Kunyange kana imba yako ichitaridzirwa nekuda kwekambani yemutero, iwe uchiri kukonzera chikwereti chemari. Kwete-kubhadhara kwekwereti kuchakuvadzawo chikwereti chako. Mari dzisina kubhadharwa mutero dzinoramba dziri pamushumo wekwereti kwemakore gumi nemashanu, asi kubhadhara mitero yebhadharo inosara gumi.
07 Kutonga kana kutonga
Vamwe vane chikwereti vanogona kukutora iwe kumatare uye kukukumbira iwe chikwereti kana mamwe magwaro akundikana. Kana mhosva yacho yakarurama uye kutonga kwasvika pamusoro pako, icharamba iri pamutemo wako wekwereti kwemakore manomwe kubvira pazuva raunenge waiswa, kunyange mushure mekunge mazadzisa mutongo.