Sei kubhadhara kiredhiti kadhi? Kutsvaga yakanakisa nzira yekubhadhara yako kiredhiti kadhi chikwereti nekukurumidza? Unoda kudzikisa yako yemubhadharo kubhadhara, kuchengetedza yako yakanaka kiredhiti mamaki, uye kubuda muchikwereti munguva shoma nguva?
Kana zvirizvo, rega nditsanangure chishandiso chiripo chaunofanira kushandisa kana uine chikwereti chemadhora chiuru kana kudarika pakadhi rako rechikwereti. Zviri pamutemo zvachose uye kunyange anoshandisa zvirongwa izvo avo kiredhiti kadhi vanopa ivo pachavo vakagadzira.
Heano maitiro ekubhadhara ako makadhi echikwereti kamwe chete uye zvachose, nekukurumidza kupfuura iwe zvawaifunga kuita.
Nhanho 1: Fambisa yako kiredhiti kadhi zviyero
Kana iwe uine kiredhiti kadhi chiyero che $ 10,000 pa15 muzana kubva APR , Uri kubhadhara $ 1,500 pagore mukufarira ! Iyi mari yemari inoita kuti zviome zvakanyanya kubhadhara chikwereti chako. Semuenzaniso, kana iwe uchiita kubhadhara pamwedzi kwe $ 200 , Iwe unongo deredza bhalansi yako ne $ 50 mushure mekubhadhara mubereko!
Naizvozvo, chinhu chekutanga kuita kumisa kushandisa mari pamari yemari.
Zvakanaka, asi sei? Zviri nyore kwazvo:
Zvipo ndezvako kutora
Kiredhiti kadhi makambani anokwikwidza
Ivo vanowana mari pese paunoshandisa kadhi rako (uye, chokwadika, zvakare kana iwe uchitakura bharanzi uye uchivabhadharira mhindu). Chero nzira, kana iwe uine kiredhiti kadhi neBhangi A, ipapo B B ingade kukuitira iwe chipo chekuchinja. Uku kukwidziridzwa kunogona kuve nerupo uye kunosanganisira makadhi ane refu sumo ye0% APR chiyero kuchinjisa.
Izvi zvinoreva kuti iwe unovhura kiredhiti kadhi uye unokumbira kuendesa zviyero zvemakadhi ako aripo kune iyo nyowani. . Bhengi idzva richabhadhara zvikwereti zvako zvekare uye unotanga kubhadhara kune kadhi idzva. Runako rweichi ndechekuti iyo kadhi nyowani Iwe haubhadharise mubereko kwegore kana kupfuura (dzimwe nguva kusvika pamwedzi makumi maviri neimwe).
Funga nezve madhora mazana maviri emari ekubhadharisa pamari inosvika zviuru gumi zvemadhora zvakare. Pa 0% APR, iyo $ 200 ichaenda kunobhadhara mari yacho. Pakarepo, chikwereti chingadai chakatora makore gumi kuti chibhadharwe chinogona kubhadharwa mumakore mashoma.
Marii yaunogona kusevha?
Marii yaunogona kusevha nekuita chiyero kuchinjisa? Mazana - kana asiri zviuru - zvekufarira! Nyore pamhepo chiyero chinjana macalculator anogona kukuratidza iwe ingangoita chaiyo yaunogona kuchengetedza.
Ehezve, yako chaiyo yekuchengetedza inoenderana nekuti nekukurumidza iwe unogona kubhadhara yako balan. Izvo zvinotitungamira ku:
Nhanho yechipiri: Simbisa yako ese emari kuyedza kubhadhara pasi kadhi rako chikwereti pa0%.
Kana iwe uine hombe kiredhiti kadhi chikwereti, iwe unofanirwa kushandisa madhora ese awakasiya kuribhadhara.
Izvi zvinonyanya kuitika kana uine 0% APR yekutora mukana nekuti dhora rega raunobhadhara rinoenda pakudzikisira chikwereti, kwete chimbadzo.
Mamwe emakona makuru ekuchinjisa makadhi echikwereti neAPR
Kunyorera kiredhiti yekuchinjisa kadhi zviri nyore kwazvo: Tsvaga iyo yakanakisa kadhi iwe, zadza nekukurumidza maminitsi mashanu kunyorera, uye tarisa tsamba kuti uwane ruzivo rwekuti ungabhadhara sei kukadhi idzva. Heano mamwe makadhi echikwereti ayo anopa ekutanga maAPR pane zviyero zvinodzoserwa kufunga.
BankAmericard® Kadhi Kiredhiti
Kunyangwe bhalanzi yekuchinjisa fizi inogona kudzikisira iyo inogona kuchengetwa kubva kune yekutanga APR kadhi, dzimwe nguva iwe unozochengetedza yakawanda nekubhadhara iyo fizi nekuti iwe une yakawanda nguva yekubhadhara yako bhalansi mu View maonero.
Zvirinani kana: iwe unoda yakanaka sumo yekupa.
Ramba uchitarisa kana: iwe unoda kadhi iwe raunowana mibairo naro mushure mekunge iwe wabhadhara bharanzi yako.
Chikwereti chinodiwa: kubva pane zvakanaka kusvika pakanakisa. Iwe unozoda makore mashanu emakore echikwereti nhoroondo. Izvi zvinowanzoenzana neiyo FICO mamaki e700 kana zvirinani.
Tsvaga iyo® Balance Transfer
Nhanganyaya Ona APR Mitemo yemwedzi gumi nemisere pakuchinjisa chiyero. Cash kumashure chirongwa. Ona Mitemo. Hapana muripo wegore.
Iwe unoda here nguva yakawanda sezvinobvira kuti utore mukana wekutanga APR? Funga nezve Discover it® Balance Transfer, iyo inopa yekutanga APR.Ona mazwi pamusoro pechikwiriso kuchinjiswa kwematemu. Iko kune Maonero Ekuona, asi Tsvagirisa zvakare inopa nerupo mari yemubairo chirongwa. Tora zvikamu zvishanu kubva muzana zvemari pazvikamu zvinoshandura kota yega yega, kusvika pamadhora chiuru nemazana mashanu ezviuru, kana zvashandisirwa. Uye 1 muzana mari inodzoserwa pane zvimwe zvese kutenga. Tsvaga inowirirana nemari yese yaunodzosera iwe mugore rako rekutanga kune vatsva makadhi.
Iyo inoenderera APR mushure mekunge sumo yekutanga yapera ndeye See Terms.
Zvirinani kana: unoda yekutanga APR pane Balance Transfers uye Cash Mibairo.
Ramba uchitarisa kana: Iwe unoda yakanakisa sumo APR pane zvitsva zvekutenga.
Chikwereti chinodiwa: Zvakanaka. Angangoita mashanu makore echikwereti nhoroondo pasina yazvino kunonoka kubhadhara kana mamwe marekodhi asina kunaka. Izvi zvinowanzoenzana nechikwata cheFICO pakati pemakore mazana manomwe kana zvirinani.
Capital One® Quicksilver® Cash Mibairo Kiredhiti Kadhi
0% yekutanga APR pakutenga uye kuenzanisa kuchinjiswa kwemwedzi gumi nemashanu, ipapo mwero wenguva dzose we15.49% - 25.49% (Variable) unozoshanda. 1.5 muzana mari yemubairo. Imwe-nguva $ 150 bhonasi yemari. 3% yemari yekuchinjisa mari. Hapana muripo wegore.
Iyo Capital One Quicksilver Cash Mibairo kiredhiti kadhi ine yakananga mari mibairo chirongwa iyo inokupa iwe 1.5% mari kumashure pane zvako zvese zvawakatenga. Kune zvakare $ 150 bhonasi yemari paunoshandisa madhora mazana mashanu mumwedzi mitatu yekutanga kubva kuvhura kadhi, rinovhara iyo 3% yemari yekuchinjisa mari kana iwe uchichinjisa bharanzi.
Zvirinani kana: iwe unoda kadhi yekuchinjisa diki bhalansi iwe yaunogona kubhadhara mumwedzi mishoma, asi iwe zvakare unodawo kutenga zvimwe uye uwane 1.5 muzana kudzoserwa.
Ramba uchitarisa kana: Chinangwa chako chete ndechokubhadhara bharanzi yako nekukurumidza uye nehupfumi sezvinobvira.
Chikwereti chinodiwa: kubva pane zvakanaka kusvika pakanakisa. Iwe unozoda angangoita matatu kana mashanu emakore echikwereti nhoroondo. Izvi zvinowanzoenzana nezvikamu zveFICO mumakumi matanhatu emakore kana kupfuura.
Nzira nomwe dzekubhadhara yako kiredhiti kadhi chikwereti nekukurumidza
1. Sarudza kuti uchabhadhara sei chikwereti chako
Kunze kwekunge iwe uchingova nechikwereti pane imwechete kadhi, iwe unoda zano. Nyora pasi pachiyero pakadhi rega rega uye Yaro Percentage Rate (APR). Wobva wasarudza kuti ndeipi yaunofanira kutanga wabhadhara.
Idzi nzira mbiri dzinowanzozivikanwa ndeye chikwereti avalanche uye chikwereti snowball. Zvese zvinoda kuti iwe uite iyo yepashoma kubhadhara pane ako ese makadhi. Iyo chikwereti avalanche nzira inoratidza kukanda imwe mari yakanangana nekadhi neiyo yepamusoro APR, nepo iyo chikwereti snowball nzira ichiti iwe unofanirwa kutanga nekadhi riine yakaderera zvakaringana. Paunenge iwe wabhadharira kadhi, chinja kune iyo ine yepamusoro APR kana yakaderera bhalansi.
Mafashama enzira yechikwereti zvine musoro kana iwe uri kuyedza kuchengetedza iyo yakawanda mari yakazara, nepo nzira yechando ichi inobatsira kana uri kunetseka kuti urambe uchikurudzirwa uye uchida kuona humbowo hwekufambira mberi kwako nekukurumidza.
2. Cheka bhajeti yako sezvaunogona
Wongorora bhajeti rako remwedzi uye uwane mari yauri kushandisa pazvinhu zvausingade, sekudyira kunze, nhengo yekurovedza muviri yausingashandise, kana glut yedata renhare. Cheka pane zvese zvisina basa mari woisa imwe mari pachikwereti chako chekadhi rechikwereti. Iwe unogonazve kuronga bhajeti shoma yevaraidzo uye zvinhu zvisina basa mwedzi wega, asi yakawanda yemari yako yekuwedzera inofanirwa kuenda kuchikwereti chako kusvikira chabhadharwa.
3. Shandisa mikana yekuwedzera mari yaunowana
Kutsvaga nzira dzekuwedzera mari yako isarudzo kana iwe usingakwanise kudzikisa zvaunoshandisa zvakanyanya. Iwe unogona zvakare kuita izvi pamwe chete nekudzikamisa yako mari kuti ubatsire kubhadhara yako chikwereti kunyangwe nekukurumidza.
Basa rako razvino rinogona kupa mikana yekuwana imwe mari, sekushanda nguva yekuwedzera kana kutsvaga kukwidziridzwa. Iwe unogona zvakare kutanga divi kubvongodza kana kubvarura imwe yekuwedzera kamuri kana chivakwa kana iwe unayo imwe.
Usakanganwe nezvemitero kana iwe uri kutanga rako wega bhizinesi. Yako mutero inodzoka kubva gore rapfuura inofanira kukuudza iwe kuti yakawanda sei kutumira kotatu. Kana iwe unogona kuzvifungidzira iwe pachako uchishandisa pepa rekushandira iri .
KUFANANISA YAKANAKA YAKANAKA YAKANYANYA KUSHANDURA KADHIDZO KUTI UWANE YAKO FITI
Ungade here kukwanisa kuenzanisa zviyero zvekuchinjisa kadhi? Iye zvino unogona nematanho edu emakadhi akanakisa e2020. Tsvaga chibvumirano chakanakira iwe, kusanganisira 0% refu chiziviso APR inopa kukubatsira kuti udzivise kufarira kadhi rechikwereti, hapana mari yegore uye yekutevera chikwereti chemahara.
4. Isa mari isingatarisirwi pachikwereti chako
Mabhonasi ekupera kwegore, kudzoreredza mutero, uye zvimwe zvinowaniswa nemhepo zvinofanirwa kuenda kuchikwereti chako kutanga kunze kwekunge uchizoda kuti vabhadhare mari yekushandisa yekurarama. Asi iwe haugone kungovimba nezano iri.
Kubhadhara kwakakura kamwe chete kana kaviri pagore pamwe hakuna kukwana kubvisa chikwereti chako chose, asi zvinogona kubatsira. Vaka chikwereti kubhadhara mubhajeti yako uye shandisa chero imwezve mari yaunowana sebhonasi kubatsira kubhadhara zvaunokwereta nekukurumidza.
5. Kutaurirana APR yako nekadhi rako rechikwereti
Kiredhiti kadhi vanopa havadi kuti vachinje mazwi avo kwauri, asi dzimwe nguva vanodaro kana iwe uchibvunza zvine mutsigo, kunyanya kana wanga uri akavimbika uye ane mutoro mutengi. Bata wako anopa kadhi uye ukumbire APR yakaderera kuti ugone kubhadhara chikwereti chako zviri nyore. Ratidza kuvimbika kwako kana iwe uine kadhi kwechinguva, uye ratidza vamwe vakwikwidzi 'kiredhiti kadhi zvinopihwa seyakawedzera.
Iwe unenge uine mukana wakanakisa wekutora chako chishuwo kana ukabata kambani nefoni. Iva nehunhu, asi wakasimba. Dzivisa kuita zvinoda kana kukwidza izwi rako. Izvi pamwe hazviite kuti mumiriri webasa revatengi anzwe kuda kukubatsira.
6. Chinja bharanzi kune rimwe kiredhiti kadhi
Iwe unogona kuenda wakananga kune ino nhanho kana kufunga nezvayo kana yako kiredhiti kadhi kiredhiti ikaramba kudzikisa APR yako. Kuendesa chiyero kukadhi ine 0% yekutanga APR kunogona kumbomisa yako bharanzi kubva mukukura, uchifunga kuti hausi kurodha chero zvitsva kutenga kukadhi panguva ino. Izvi zvinogona kuita kuti zvive nyore kubhadhara, asi kana iwe usingakwanise kuzviita mukati menguva yekutangisa, chero bhadharo yasara ichatanga kuwana mubereko pane yakajairwa kadhi APR.
Iwe unofanirwa zvakare kuziva nezveyero yekuchinjisa mari. Iwo akanyorwa muchibvumirano chako chemubati wemakadhi. Izvi zvinowanzova chikamu cheyero yauri kuendesa uye ichawedzera mari yaunofanira kubhadhara. Ita shuwa kuti unogadzikana neizvi usati waenderera nekuchinjisa kusiyanisa.
7. Tora chikwereti chako pachako
Chikwereti chako chine musoro kana iwe usiri kuda kuvhura imwe kiredhiti kadhi kana kana iwe uchida yakatemwa yemwedzi kubhadhara. Asi nekuda kwekuti zvikwereti izvi hazvina kuchengetedzeka, zvichireva kuti hapana chekubata, mitengo yemubereko pazvikwereti zvemunhu yakakwira kupfuura mitengo yaunowana nemamwe marudzi ezvikwereti. Asi kana iwe uchinge wawana yako wega chikwereti, haufanire kunetsekana nezve bhalansi yako iri kukura.
Unogona kushandisa imwe kana mubatanidzwa wemaitiro aya kubhadhara kiredhiti kadhi rako rechikwereti. Iwe uchabhadhara chikwereti chako nekukasira kana iwe ukashandisa zvimwe zvacho, maitiro ekuchinjisa bharanzi, kudzikisa zvaunoshandisa uye kuwedzera mari yaunowana, pamwe chete. Asi zviri kwauri kusarudza kuti ndeapi matipi achakushandira zvakanyanya.
Disiki: Ichi chinyorwa chine ruzivo.
Redargentina haipe wezano repamutemo kana repamutemo, uye haina kuitirwa kutorwa sezano repamutemo.
Muoni / mushandisi weiri peji rewebhu anofanirwa kushandisa ruzivo rwuri pamusoro chete segwara, uye anofanira kugara achibata masosi ari pamusoro kana vamiriri vehurumende yemushandisi neruzivo rwepamusoro-soro panguva iyoyo, vasati vaita sarudzo.
Zviri Mukati
- Nhanho 1: Fambisa yako kiredhiti kadhi zviyero
- Kiredhiti kadhi makambani anokwikwidza
- Marii yaunogona kusevha?
- Nhanho yechipiri: Simbisa yako ese emari kuyedza kubhadhara pasi kadhi rako chikwereti pa0%.
- Mamwe emakona makuru ekuchinjisa makadhi echikwereti neAPR
- BankAmericard® Kadhi Kiredhiti
- Tsvaga iyo® Balance Transfer
- Capital One® Quicksilver® Cash Mibairo Kiredhiti Kadhi
- Nzira nomwe dzekubhadhara yako kiredhiti kadhi chikwereti nekukurumidza
- 1. Sarudza kuti uchabhadhara sei chikwereti chako
- 2. Cheka bhajeti yako sezvaunogona
- 3. Shandisa mikana yekuwedzera mari yaunowana
- KUFANANISA YAKANAKA YAKANAKA YAKANYANYA KUSHANDURA KADHIDZO KUTI UWANE YAKO FITI
- 4. Isa mari isingatarisirwi pachikwereti chako
- 5. Kutaurirana APR yako nekadhi rako rechikwereti
- 6. Chinja bharanzi kune rimwe kiredhiti kadhi
- 7. Tora chikwereti chako pachako
- Ungawana sei mari kubva kukadhi rechikwereti?
- Nzira yekugadzira iyo LLC muFlorida?
- Kana ndikasashandisa kadhi rangu rekubhengi, ndinobhadhariswa here?
- Kiredhiti kangu kakabiwa uye vakaburitsa mari, ndoita sei?
- Maitiro ekurenda imba isina chikwereti muUSA?
- Maitiro ekutenga mota pasina chikwereti