Chikwereti Chinopfuura Nhamba
Vanhu vazhinji vanoona chikwereti sechimwe chinhu chikuru. Vanosanganisa mari yose, votarisa nhamba yacho, vosarudza kana zvichiita kuti chigone kudzorwa kana kuti chinotyisa. Izvozvo zvine musoro, asi hazvitauri nyaya yacho yese. Vanhu vaviri vanogona kukwereta mari imwe chete uye vari mumamiriro ezvinhu akasiyana zvachose zvichienderana nerudzi rwechikwereti, mubereko, purogiramu yekubhadhara, uye kuti ndiani anodzora mari yacho.
Kutarisa chikwereti uchishandisa hunyanzvi hwekuongorora zvinoreva kubvunza mibvunzo iri nani pane kuti "Ndine chikwereti chakadii?" Zvinoreva kubvunza kuti chikwereti chacho chinovakwa sei. Munhu anoenzanisa sarudzo dzakadai seIndiana relief debt anogona kuwana kujeka nekutarisa kwete chete mari yasara, asiwo kuti ndezvipi zvikwereti zvinonyanya kudhura, ndezvipi zvinonyanya kukurumidzirwa, uye ndezvipi zviri kukonzera kumanikidzwa kwakanyanya.
Chimiro Chenyaya dzeChikwereti
Chikwereti chine chimiro chakafanana nechivako. Zvimwe zvikamu zvinorema kupfuura zvimwe. Mortgage ine mutero wakatarwa uye muripo unofungidzirwa ungave wakakura, asi wakagadzikana. Mari yechikwereti ine mubereko wakakwira inogona kunge iri diki, asi ine njodzi nekuti inokura nekukurumidza uye inogona kuoma kubhadhara. Bhiri rekurapwa rinogona kunge riine mikana yakasiyana yekutaurirana nechikwereti chemotokari. Chikwereti chemari yezuva nezuva chinogona kukonzera kushushikana kwemari yekukurumidza kunyangwe mari yacho ichiratidzika kunge diki.
Ndosaka mari yose yasara ichigona kutsausa. Chikwereti chemadhora zviuru makumi maviri ($20,000) pamutengo wakaderera wakatarwa hachisi chakafanana nechikwereti chemadhora zviuru makumi maviri ($20,000) pamakadhi akawanda echikwereti ane mitengo inochinja uye mari shoma. Chekutanga chingave chikamu chechirongwa chenguva refu. Chechipiri chingave sisitimu inoramba ichiburitsa mari mune ramangwana rako.
Ndiani Ane Chikwereti Chinochinja Simba Resimba
Mumwe mubvunzo unokosha ndewekuti ndiani muridzi wechikwereti. Chichiripo here kune anokweretesa pakutanga? Chakatengeswa kune anotenga zvikwereti here? Chiripo here kune kambani inoona nezvekuunganidzwa kwechikwereti? Mukweretesi anochengetedzwa nechibatiso, senge mota kana imba, kana kuti chikwereti hachina kuchengetedzwa?
Izvi zvinokosha nekuti vanokweretesa vakasiyana vane zvishandiso zvakasiyana, zvinokurudzira, uye nguva dzakasiyana. Mukweretesi akachengetedzwa anogona kunge aine kodzero dzakabatana nepfuma. Kambani yemakadhi echikwereti isina kuchengetedzwa inogona kuvimba nekumanikidzwa kubhadhara, mubereko, uye matanho epamutemo anogona kutorwa. Mutengi wechikwereti angave akatenga account nemari shoma pane yasara yekutanga uye anogona kutaurirana zvakasiyana.
Zviwanikwa zvekuunganidza zvikwereti zveConsumer Financial Protection Bureau zvinotsanangura kodzero dzakasiyana dzevatengi nedziviriro dzine chekuita nevaunganidzi. Kuziva kuti ndiani ari kukubata uye zvavanobvumirwa nemutemo kuita kunobatsira kushandura mamiriro ezvinhu anonetsa kuita chinhu chiri nyore kuongorora.
Mitengo yemubereko inoratidza kusasimba kwemari
Mubereko ndechimwe chezviratidzo zvakajeka zvekusasimba kwechimiro. Chikwereti chine mwero wakaderera chinogona kugadziriswa kunyangwe mari yasara yakakura. Chikwereti chine mwero wakakwira chinogona kusagadzikana nekukurumidza nekuti mari yakawanda yekubhadhara imwe neimwe inoendeswa kumubereko pachinzvimbo chekuderedza mari yekutanga.
Apa ndipo panowanzo shatirwa nevanhu. Vari kubhadhara, asi mari yacho haifambi zvakanaka. Muchimiro chayo, zvinoreva kuti chikwereti chakagadzirwa nenzira inononoka kubuda. Kubhadhara kunogona kuchengetedza account iripo, asi kungasaita kuti pave nekufambira mberi kukuru.
Kuongorora zvikwereti zvakasimba kunofanira kuyera zvikwereti zvichienderana nechikwereti, kwete huwandu hwechikwereti chete. Mari shoma haisiriyo inowanzova dambudziko guru. Chikwereti chinokura nekukurumidza kana kushandisa mari yakawanda pamwedzi chingafanirwa kutariswa kutanga.
Kukura Kunoreva Nguva
Munyaya dzemari, kukura kwemari kunoreva kuti chikwereti chinofanira kubhadharwa riini kana kuti kubhadharwa kwenguva yakareba sei kunotarisirwa. Kumhuri, pfungwa imwecheteyo inokosha nenzira inoshanda. Zvimwe zvikwereti ndezvenguva pfupi uye zvinokurumidzira. Zvimwe ndezvenguva refu uye zvinofungidzirwa. Zvimwe zvinoda muripo mukuru munguva pfupi. Zvimwe zvinoparadzira muripo kwemakore.
Nguva inokanganisa kushushikana. Chikwereti chinofanira kubhadharwa mwedzi unouya chinoita kuti chikwereti chiwedzere kumanikidzwa kupfuura chikwereti chinofanira kubhadharwa kwemakore mashanu. Kadhi rechikwereti risina zuva rekubhadhara rinogona kuenderera kwenguva refu. Chikwereti chemunhu chine zuva rekupedzisira rakatarwa chinganzwa chakarongeka nekuti pane mutsetse wakajeka wekupedzisa.
Zvinyorwa zvedzidzo zveFederal Reserve pamusoro pezvinhu zvekutanga zvechikwereti chevatengi zvinogona kubatsira vatengi kunzwisisa kuti kukwereta, kubhadhara, uye zvigadzirwa zvechikwereti zvinokanganisa sei sarudzo dzemari. Kana ukanzwisisa nguva, unogona kuona kana chikwereti chako chine nzira yekupedzisa kana kuti chiri kungozvivandudza mwedzi nemwedzi.
Kukura Kwemakore Kunoreva Kuti Mimwe Mitoro Inofanira Kuuya Pakutanga
Hazvisi zvikwereti zvese zvine migumisiro yakafanana kana zvisina kubhadharwa. Rendi, kubhadhara mortgage, zvikwereti zvemotokari, magetsi, mitero, mari yekuchengeta vana, uye zvikwereti zvakachengetedzwa zvinogona kukonzera migumisiro inokurumidza kana yakakomba kupfuura zvimwe zvikwereti zvisina kuchengetwa. Izvi hazvirevi kuti zvikwereti zvisina kuchengetwa zvinogona kufuratirwa, asi zvinoreva kuti zvinhu zvinokosha zvinokosha.
Maonero echimiro anobvunza kuti, "Ndezvipi zvinochengetedza kugadzikana kwangu kwepakutanga?" Pekugara, zvekufambisa, chikafu, zvemagetsi, uye inishuwarenzi inodiwa zvinowanzo tanga nekubhadhara mari yekuwedzera pazvikwereti zvisingakoshi zvakanyanya. Pasina murairo iwoyo, munhu anogona kuchengetedza kadhi rechikwereti netsaona uku achiisa rendi kana zvekufambisa panjodzi.
Izvi hazvisi zvekudzivisa mutoro, asi ndezvekuvaka nzira yekubhadhara isingakanganisi hwaro hwehupenyu hwezuva nezuva.
Chikwereti Chinogona Kuva Chishandiso Kana Musungo
Chikwereti hachingoerekana chaipa. Mortgage inogona kubatsira mumwe munhu kutenga imba. Chikwereti chemudzidzi chinogona kutsigira dzidzo. Chikwereti chebhizinesi chinogona kutsigira kukura kwemari. Chikwereti chemotokari chinogona kuita kuti zvikwanisike kutakurwa. Muzviitiko izvozvo, chikwereti chinogona kushanda sechishandiso, kunyanya kana muripo wacho uchikwanisika uye mitemo yacho yakajeka.
Chikwereti chinova chisina kusimba kana chichibhadhara kurarama panzvimbo pekukura. Kana makadhi echikwereti achivhara zvekudya, peturu, mipata yekurenda, kana zvinodiwa pakurapwa nekuti mari inowanikwa haigone kuenderera mberi, chimiro chacho chiri kuratidza dambudziko guru. Dambudziko racho ringave risiri rekuranga. Ringave kusawirirana kwemari inowanikwa, mitengo iri kukwira, basa risina kugadzikana, mari yekurapwa, kana kushaya mari yekuchengetedza zvinhu nekukurumidza.
Musiyano iwoyo unokosha nekuti kunyara kunotarisa pamunhu, nepo chimiro chichitarisa pahurongwa. Chimiro chiri nani chinogona kuderedza kushushikana zviri nani pane kuzvitsoropodza.
Guta Guru Rakakura Kumba
Mabhizinesi anowanzoona chikwereti sechikamu chemari yakawanda, zvichireva zvikamu zvemari ine mitengo yakasiyana, njodzi, uye nhanho dzekutanga. Mhuri dzinogona kukwereta pfungwa iyoyo. Mari yako yakawanda inogona kusanganisira mari yaunowana, mari yaunochengeta, makadhi echikwereti, zvikwereti zvako, mabhiri ekurapwa, zvikwereti zvemotokari, zvikwereti zvevadzidzi, uye chikwereti chemba.
Kana murwi wacho wakasimba, murwi wega wega une chinangwa. Mari inowanikwa inofukidza mari yekurarama nayo. Mari inochengetedzwa inogadzirisa zvinhu zvisingatarisirwi. Chikwereti chinotsigira kutenga zvinhu zvikuru kana mari yakarongwa. Kana murwi wacho usina simba, makadhi echikwereti anotsiva mari yakachengetwa, zvikwereti zvinofukidza zvimwe zvikwereti, uye mari shoma inobhadharwa inoshandisa mari inofanira kunge ichivaka kugadzikana.
Kutarisa mari yako nenzira iyi kunogona kubatsira zvinoshamisa. Zvinoshandura chikwereti kubva mugore rekushushikana kuita mepu. Kana wangoona zvikamu, unogona kusarudza kuti ndezvipi zvinoda kugadziriswa kutanga.
Ongororo yeMagadzirirwo Inotanga Nekuronga
Kuti unzwisise chimiro chechikwereti chako, nyora chisungo chega chega panzvimbo imwe chete. Isa mari yasara, mubereko, muripo wepasi, zuva rekupedzisira, mukweretesi, kana chikwereti chakachengetedzwa kana kuti chisina kuchengetwa, uye kana muripo wacho uri wenguva pfupi. Wobva watsvaga mapatani.
Ndechipi chikwereti chine mubereko wepamusoro? Ndeipi muripo unokonzera kumanikidzwa kwakanyanya pamwedzi? Ndeipi mari yasara isiri kudzikira? Ndeipi account ine njodzi yepamutemo kana yekuchengetera mari? Ndedzipi zvikwereti zvakagadzirwa nekuda kwenjodzi kwete sarudzo dzakarongwa?
Mibvunzo iyi inobatsira kusiyanisa ruzha kubva pane zvakakosha. Unogona kuona kuti chikwereti chidiki chimwe chete chiri kukonzera kusagadzikana kupfuura chikwereti chikuru, chakaderera. Unogona kuona kuti mari shoma shoma dziri kukonzera kudhonzwa kwemari. Unogona kuona kuti dambudziko harisi remari imwe chete, asi kuti mari yese inobhadharwa inoshanda sei.
Chimiro Chinogadzira Hurongwa
Nzira yechikwereti inongoenderana nemari yose inokweretwa inogona kunzwa sekunge inorema. Nzira yechikwereti inongoenderana nehurongwa inobatsira zvikuru. Inogona kuratidza kana uchida kuderedza mubereko, kuwedzera mari yaunowana, kuderedza mari yaunoshandisa, kutaurirana mamwe maakaundi, kuchengetedza mari dzakakosha, kana kurega kushandisa chikwereti pazvinodiwa zvemwedzi wega wega.
Chinangwa hachisi chekuita kuti chikwereti chitaridzike sechidiki pane zvachiri. Chinangwa ndechekunzwisisa rudzi rwedambudziko rauri kutarisana naro. Dambudziko renguva rinoda mhinduro imwe. Dambudziko remubereko rinoda imwe. Dambudziko remari rinoda imwe. Dambudziko renjodzi yepamutemo rinoda imwe.
Chikwereti chinova chisina kujeka kana ukarega kuchibata senhamba imwe chete wotanga kuona kuti chakarongwa sei. Kuchinja ikoko kunogona kuderedza kutya uye kugadzira nzira yakajeka yekufambira mberi. Kana wangonzwisisa chimiro, hausisiri kungopindura kumatanho akaenzana. Uri kudzidza sisitimu, uchiwana zvikanganiso, uye uchiita mafambiro akangwara.
