Kuva nechikwata chinhu chikuru chevakuru. Kana iwe uchida kutenga kadhi rechikwereti kana kutenga chikwereti iwe unofanirwa kuva nechikwereti chakanaka chakanaka - chikwereti chakanaka chiri nani. Zvisinei, mamiriyoni 26 eAmerica havana chikwereti chekwereti, maererano neCommumer Financial Protection Bureau.
Chikwereti ndiko kukwanisa kuwana zvinhu kana maitiro usati wavabhadhara nechivimbiso chekubhadhara kwavari munguva yemberi. Kuva ne "kwete chikwereti" zvinoreva kuti iwe hauna nhoroondo yakagadzirirwa yekukwereta mari nekuripa.
Zvisina Kubhadharwa Zvinotaura Nezvei
Hatina kuberekwa tine chikwereti. Kutaura zvazviri, iwe hauzove nechikwereti chekwereti zvachose kusvikira waive nekero kero kechikwereti mumwedzi mitanhatu yapfuura. Vechiduku nevechidiki vemazuva ose vanowanzove pakati pevaya vasina "chikwereti." Kunze kwekuti vabereki vako vakakuita mubati wemvumo yevashandi kana wekugoverana pawakanga uri muduku, iwe hauzove nekwereti yekwereti saka, iwe hauzove nechikwereti.
Zvinokwanisika kuva nezvikwereti zvaunobhadhara mwedzi woga woga asi uchigere kuva nechikwereti chekwereti. Haasi makambani ose wamunobhadhara mushumo wegore negore kumabhadharo emari. Semuenzaniso, kushandiswa kwebasa, serofoni, uye nhengo dzekudzidzira nhengo dzekudzidzira hazvibvumirwi kune zvikwereti zvekwereti uye hazvingakubatsiri kuvaka imba yakanaka yechikwereti.
Kusina chikwereti chekwereti hachisi chinhu chakaipa. Chikwereti chako chikoro pachako-kana iwe une chikwereti chakanaka, hapana chikwereti, kana chikwereti chakashata-hachisi chiratidzo chehukama hwako hwehupfumi kana hutano hwehupfumi.
Iwe unogona kuva nemari yakawanda uye usine chikwereti, kunyanya kana uchigara uchibhadhara nemari uye iwe hauna kumbova nekadhi rechikwereti, chikwereti, kana kuti yakapfuura mushumo.
Hapana Chikwereti kana Zvakaipa
Kusina chikwereti hachisi chakafanana nekuva nechikwereti chakaipa. Paunenge uine chikwereti chakaipa, zvinoreva kuti wakwereta mari kare uye hauna kuribhadhara zvakare sezvakabvumirana.
Nokuda kweizvi, mabhangi achazeza kukupa kadhi rechikwereti kana chikwereti. Kana usina chikwereti, iwe unenge uine ngozi, nokuti mabhanga haagoni kutarisa chikwereti chekwereti kufanotaura kana iwe uri kuzobhadhara chikwereti chako nenguva. Mabhangi anoda kuve nechokwadi kuti vari kupa chikwereti kune mumwe munhu achazobhadhara zvakare nenguva.
Kana uine "kwete chikwereti, unogona kuwana kuti iwe unorambidzwa nekuda kwekwereti yemakadhi, zvikwereti nemamwe mabasa anoda kubhadhara chikwereti . Unogona kukwanisa kugamuchirwa kune mamwe mabasa, asi iwe unofanira kubhadhara kuchengetedzwa kwekuchengetedza kana kunyange cosigner.
Nzira Yokugadzirisa Mari Yako
Kana usina chikwereti, iwe unogona kunge une zvibvumirano zvako zvakagamuchirwa kupfuura apo iwe une chikwereti chakashata, asi chinogona kunge chakaoma. Kana uri pasi pezera remakore makumi maviri nemashanu , unofanirwa kuva nemari yako pachako kana kuti cosigner kuti uwane mvumo kune kadhi rechikwereti.
Iwe unogona kutanga kuvaka chikwereti chako pasina kadhi rechikwereti, asi izvo zvinenge zvichireva iwe unoda kutora chikwereti. Kana iwe uine chikwereti chemari iwe watanga kudzorera kana kuti uchatanga kubhadhara nokukurumidza, izvi zvinogona kukubatsira kutanga kutanga kuvaka chikwereti chekwereti. Iwe unogonawo kumubvunza mubereki kuti akuwedzere iwe semushandi akagamuchirwa kune rimwe remakadhi avo emakadhi.
Nhoroondo yemabhuku inogona kukubatsira kuti uwane chikwereti iwe pachako.