How kuiripa shure zvakanaka

It zvinowanzoitika kuti kutora mari nechikwereti kana pasi pfuma, hapana anofunga sei acharipira mari iyi. Muupenyu zvakasiyana, uye kufanotaura kuti chinhu hazvibviri. Zviri kuti ndiyo nguva kudzokera ayo wazvipira uye zvaida mari ikoko, uye hapana perezanyat. Huwandu chikwereti anotanga kukura. Uye kuti abhadhare chikwereti, hazvisi pachena.

tinyatsonzwisisa ezvinhu

Muzviitiko zvose zviri akasiyana, uye uwandu chikwereti kunogona yakatosiyana. Chinhu chokutanga unofanira kuongorora ako ezvinhu zvemari. Chokutanga, kuitira kuti unogona kubhadhara zvikwereti zvako, unofanira huwandu mari kuti zvinobvira kupa nguva uye pasina kukuvadza pacharo. Kupfuura zvose, kana mari iyi ichava kanoverengeka yakakura kupfuura kukura kubhadhara. Nokuda kwaizvozvo, nyika yechimbadzo chikwereti achava yekudyidzana yakaderera, uye nenguva mutsividzo chikwereti uchaderedzwa yekudyidzana.

chikwereti mhando

mhando dzose chikwereti akakamurwa ndedzinoti:

• kubhadhara Early.
• Avo vari kubhadharwa chaiyo.
• Kubhadhara, iyo nokuda chimwe chikonzero kana mumwe pane chikwereti - dambudziko.
• Avo vasina funga zvibvire kuti abhadhare - tariro.

Nokuti ini, ini vanofanira zvakajeka kunzwisisa izvo boka chikwereti kurapa. Nechivimbo tichiziva izvi, regai kuva kuoma yokugadzirisa mbudo nzira kubva ezvinhu aripo. Mubvunzo sei kuti abhadhare chikwereti, zvinova akakodzera kana nokudonha zveminda. Zvikonzero zvakasiyana: asiri kubhadhara mubayiro, kuzvarwa kwemwana, kurwara kana kufirwa maitiro. Tinofanira zvakajeka kuongorora mamiriro ezvinhu kuitira kuti kujekesa refu sei, kana nguva dzose (mu nyaya kurasikirwa kushanda kugona) acharamba dambudziko iri. Izvi hazvizorambi kupinda mamiriro ezvinhu kana uine kubvunza mumwe munhu: kubatsira kubhadhara chikwereti.

Unhu vachibhadhara

How abhadhare chikwereti pamusoro zvikwereti? Kana mari dziripo uye pane chido kubvisa chikwereti nokukurumidza, chokutanga unofanira kuva hurukuro pamwe akakweretesa uye kuita mamwe chibvumirano. Mairi, iri madikanwa hwaro anofanira raanotaura ukuru inopfupikisa vachibhadhara uye makomisheni, uyewo zvose zvinobvira nzira iyo muripo vachaitwa. Pashure pomuedzo kugarwa ne bhanga chikwereti kana mukweretesi ane kupa risiti kuripwa yose mari, uye anoratidza kuti kuvharwa panguva inotaurwa nguva.

Pazvakava pachena kuti kubhadhara chikwereti inotengwa munguva imwe chete, zvinokosha kuita kudaro nokuti dzinenge 1 zuva pamberi. Havapindiri, uye kudzidza kubva kumahombekombe vashandi pamusoro chokwadi kana muripo yaiva nguva. Zvaidiwa mitemo nyore izvi havazombokwanisi kudzinga nechikwereti pasi marangirwo uye fines. Zvakakosha kunzwisisa kuti womunhu anomukweretesa anofarira zvavo pachavo vabatsirwe, uye kuti vataure zvavanofunga, akanga kana muripo, zvichaita vasina chido. More pazvese, achitora muzvikwereti - kuti vakazvimiririra kudzora chekubuda mari kuti nhoroondo. Izvi achabvisa mubvunzo sei kubhadhara chikwereti.

How abhadhare chikwereti, kana paine matambudziko pfupi

Zvakandiomera, hazvisi mumamiriro ezvinhu mari yakanaka kwazvo, kuti nokukurumidza kuvhara chikwereti. Sei nokukurumidza abhadhare chikwereti? Duku uye kugadzikana zvakaoma, nguva kubhadhara chikwereti mitoro yakaoma. Kuti mumamiriro ezvinhu akadaro, kuwana mhinduro, unofanira kutanga kuronga bhajeti yenyu. Zvakakodzera kukwira aine tafura akavaisa mairi, zvose zvenyu yepamwedzi mari uye mari. Unofanira kutanga chokuti rekodhi ose uwandu zvekushandisa uye mari, asi zviri nomwedzi wokutanga. By kuguma unofanira kunyatsofunga kuita kuongorora mari zvose, chinhu kunze kubva kurutivi zvekushandisa, chinhu kuderedza.

Zvadaro, nokuti akatevera mwedzi, unofanira kuronga bhajeti kuitira kuti pane akaparadzana mbiru, izvo achanyorwa mari kubhadhara zvikwereti. Zvinofanira kuva zvechokwadi, kuti hazvina kushanda, saka kuti vanhu kamwe zvakare vachava mumamiriro ezvinhu akaoma mune zvemari.

Kuzivisa akakweretesa

Mumamiriro ezvinhu akaoma zvakanaka zvichaita wazivisa akakweretesa yako pamusoro matambudziko vavapo neipi chikonzero. Tinofanira kuyeuka kuti chero bhengi anofarira sei kuwanazve mari dzavo zvizere, uye kana zvichiita shoma varasikirwa. Kunenge kuti mumamiriro ezvinhu akadaro, kubhangi achaita kumanikidza chikwereti chirango. With mumiriri wake zvakafanira kuedza kubvumirana zvichiita pakukoka izwi iri chikwereti kana kuti refinance vakapedza. Zvakakosha pachena kuti munhu anofarira chose mariri, asi pane dzimwe nguva akawana mumamiriro ezvinhu akaoma mune zvemari. Zvinokosha nekukurumidza kuzviita, pane kumirira akakweretesa kubvunza pamusoro zvikonzero nokunonoka kubhadhara.

Rugare nzira kugadzirisa matambudziko pamahombekombe

Kune akawanda nzira yakaonekwa kuti ndeyechokwadi sei kuti abhadhare chikwereti pamusoro zvikwereti, murunyararo kugadzirisa nyaya dzose pamahombekombe:

• Temporary reprieve kubhadhara.
• Multiple zvikwereti vari akabatanidza imwe.
• The chikwereti zvakanyorwa kure chose.

Nzira yokutanga abhadhare chikwereti, ndiko kuti pamahombekombe achatambanudza nguva abhadhare chikwereti chikwereti. The rendi inova duku, asi nokuda kwokuti anokwereta mubayiro kufarira nguva dzose, uyewo chokwadi kuti munyika anosimbirira mitengo, yaipedzerwa chikwereti chacho, iyo nechikwereti anodzoka inowedzerawo.

nzira Chechipiri ndechokuti anokwereta uyo anogamuchira zvakawanda chikwereti, havagoni kukurira kubhadhara uye kubhengi vanobatana kuva chete chikwereti. Nzira iyi ingashandiswa chete kune yakaderera chimbadzo, zvimwe zviri disadvantageous chaizvo nechikwereti.

Nzira yechitatu kunopfuura kunze. Uye kubhangi anorishandisa chete zvisingawanzoitiki zviitiko. It chinogona nyora chikwereti kana chinoshamisa pakuenzanisa chikwereti hapandiringani kana anokwereta afa uye asina venhaka.

Nyaya dzatongwa mudzimai rinowanikwa nokuda kwechikwereti murume

Vaya zvakabatana wanano havasi chete pfuma chakasviba, asiwo zvinonyatsorehwa chikwereti. Hazvishamisi kuti vanhu vakaroorana richirarama pamwe chete vasina akagadzirisa nyaya dzakadai zvakajairika pfuma, uye panguva varambana, ivo havatsvaki kuzviita, pakupedzisira, vachava chete chokuva kuti kuroorana.

Vanofanira Aimbova mudzimai kuzadzisa chikwereti mitoro pashure pokurambana? Kune dzimwe nuances, izvo kuvimba mapiro worongedza chikwereti:

• Vaimbove murume akagadzira chikwereti chibvumirano pamberi pokuroora, asi kururama kwemashoko gwaro iri rinotaura nguva apo vakanga vakaroora, nemukuparadzwa kwawo.
• Panguva processing chikwereti chacho mumwe nemumwe akaita somunhu co-signer kana co-anokwereta.
• Vaimbove murume akagadzira chikwereti chibvumirano, uye mukadzi uyu haana nezvokudzokera, asi mari akapedzerwa kuti vagari zvinodiwa nemhuri.
• Chokwadi kuti murume wake akagadzira chikwereti uye kupedza mari zvavanoda, mudzimai paakaziva pashure pokurambana.

Vose ezvinhu aya dzakanyorwa vaine migumisiro pamusoro aimbova murume nomudzimai. Kunyanya mumamiriro ezvinhu umo mumwe aimbova kuwanana rikawira yakadaro chinzvimbo asingagoni kudzima chikwereti, kana zvachose anoramba.

Kuri kuti chikwereti chibvumirano wakabudiswa pamberi muchato, musi Kazhinji hwaro, zvose mabasa kwaiye akaita kunze. Asi pane mamiriro ezvinhu akasiyana, uye chete dare kunzwisisa navo.