Nzira yakanakisa yekubatanidza kiredhiti kadhi inosiyana kubva pamunhu kumunhu, zvichienderana nemamiriro avo emari uye zvavanofarira. Kune vamwe, nzira yakanakisa yekubatanidza chikwereti inogona kunge iri yekutanga kubhadhara zviyero zvidiki uye wobva wawedzera iwo mabhadharo kumabhiri mahombe kusvikira vabhadharwa. Vamwe vanogona kufunga nezve kuchinjisa zviyero kukadhi rechikwereti kana kutora chikwereti chekusimbisa.
Nekudaro, kubatanidza zviyero kukadhi rechikwereti kana kushandisa chikwereti kunogona kuva nenjodzi nekuti kana iwe uchida kukwereta imwe mari, zvinogona kuyedza kushandisa imwe yeakaundi zero account. Ipapo chikwereti chinokura, uye unogona kuzviwana uri mudambudziko rezvemari nekukurumidza.
Zvisinei, iwe unogona kudzivisa kuwira muchikwereti zvisati zvaitika. Heano mamwe matipi ekuenda ikoko:
- Chengetedza zviyero zvakaderera kuti usazowedzera kuwedzera mubereko uye kubhadhara zvikwereti nenguva.
- Zvakanaka kuva nemakadhi echikwereti, asi zvibate zvine mutsigo. Izvi zvinochengeta nhoroondo yemushumo wako wechikwereti. Avo vasina nhoroondo yekadhi rechikwereti vanoonekwa seyakakwira njodzi.
- Dzivisa kufamba-famba muchikwereti nechikwereti chakasimbisa chikwereti. Pane kudaro, chibhadhare.
- Usavhure akawanda makadhi echikwereti kuti uwedzere yako inowanikwa kiredhiti. Iwe unomhanyisa njodzi yekuunganidza yakawanda chikwereti, iyo yaungatadza kubhadhara.
Kunyangwe chero munhu achishingairira kushandisa mari yavo zvine hungwaru, matambudziko emari dzimwe nguva anoitika nekuda kwekurasikirwa nebasa, chirwere, kurambana, kana zvimwe zviitiko zvehupenyu.
Kana iwe uchinetseka kuwana raramo, bata vako vakweretesi kana yepamutemo isingabatsiri agency iyo inonyanya kugadzirisa mabasa echikwereti ekupa rubatsiro. Ita izvi nekukurumidza sezvinobvira kuti uone kuti kubatanidzwa kwechikwereti kunogona kubatsira kudzikamisa mutoro wekunetseka kwemari. Kana iwe ukamirira kwenguva yakareba, zvinowedzera matambudziko auchasangana nawo. Kubatanidzwa kwechikwereti kazhinji ndiyo nzira yako yakanaka pane aya mamiriro, uye chipangamazano anogona kukubatsira iwe nemaitiro acho.
Idzi ndidzo nzira dzakanakisa dzekubatanidza kiredhiti kadhi rechikwereti
Kubatanidza kiredhiti kadhi chikwereti kune a yakaderera chimbadzo inobvumira dzimba dzine chikwereti kubhadhara yavo zvikwereti nekukurumidza uye, panguva imwe chete, kubhadhara kufarira kushoma . Kubva pane chiyero chinjana makadhi echikwereti kuzvikwereti zvemunhu, isu tichaongorora sarudzo shoma kuti tiwane nzira yakanakisa yekubhadhara chikwereti nekukurumidza uye nemutengo.
Idzi ndidzo nzira nhatu dzakanakisisa dzekubatanidza kiredhiti kadhi rechikwereti uye zvakanakira nezvayakaipira nzira imwe neimwe.
1. Shandisa kiredhiti kiredhiti kuchinjisa chinja
Zvinotyisa, asi makadhi echikwereti ndeimwe yezvishandiso zvakanakisa zvekubatanidza uye kubvisa kiredhiti kadhi rechikwereti. Makadhi mazhinji akagadzirwa nevane chikwereti varidzi vemakadhi mupfungwa, nezvipo zvinosanganisira 0% chiyero chemari pachikamu chekuchinjisa kwemwedzi inosvika makumi maviri nemana.
Pane zvinhu zviviri zvekutarisa kana uchisarudza muyero wekuchinjisa kiredhiti kadhi: kureba kwekutanga 0% nguva yekufarira pane zviyero zvakatamisirwa uye mari yemari yekuchinjisa yakaitiswa nemuridzi wekadhi.
Avo vanogona kubhadhara chikwereti chavo nekukurumidza vanogona kukoshesa kadhi rine nguva ye APR 0% ipfupi sumo pane chiyero chinjana mukutsinhana kwe0% chiyero chekuchinjisa mari. Vamwe vanogona kuona zviri nani kubhadhara kamari kechimbi yekuchinjisa kuvhura yakareba 0% yekutanga nguva yekufarira.
Makadhi matatu anotevera akasarudzwa kubva pane edu emazita emakadhi akanakisa echikwereti ekuchinjisa mari.
| Chase Slate® | 15 kubhadharisa macircuit | Hapana muripo weyero yekuchinjisa mukati memazuva makumi matanhatu ekubvumidzwa. Mushure meizvozvo, iyo fizi inowedzera kusvika kumadhora mashanu kana mashanu muzana emari dzakatamisirwa, chero chiri chikuru. |
| Citi Simplicity® | 21 kubhadharisa macircuit | $ 5 kana 3% yemari dzakatamisirwa, chero chiri chikuru. |
Dhata sosi: makadhi anoburitsa.
Pamiyero inogona kubhadharwa mumatanho gumi nemashanu ekubhadhara (ingangoita mwedzi gumi neshanu), Chase Slate ® anokunda zviri pachena. Vanokodzera makadhi vanokwanisa kudzidzisa zviyero zvavo pane mashoma ekutanga Mazuva makumi matanhatu mushure mekuvhura account , bhadhara zviyero zvako mukati me0% nguva yekutora yegumi neshanu yekubhiri kutenderera uye nekudaro kubhadhara kiredhiti kadhi rako rechikwereti zvizere pasina kuwana peni yemubereko. kana mitengo.
Kureruka kweCiti ® inogona kunge iri sarudzo iri nani kune vanobata makadhi vakamirira kubhadhara zviyero zvavo kwenguva yakareba. Kunyanya, iyo kadhi inopa inokatyamadza 0% nguva yekutangisa inotenderera makumi maviri nemaviri ekubhadhara mabhaisikopo, kana ingangoita 21 mwedzi. Nekudaro, iyo yekumisikidza mari yekuchinjisa mari inogona kuita kuti irege kubhadharisa zviyero zvinogona kubhadharwa nekukurumidza, zvichipiwa kuti iyo 3% fizi yaizowedzera inosvika kumadhora zana nemakumi mashanu pamadhora zviuru zvishanu kuchinjisa. Hazvina basa kubhadhara muripo kwenguva yakareba kuti ubhadhare bharanzi kana usingaide.
Zano rakanakisa ndere kutanga nemakadhi anoshaya chiyero chekuchinjisa mari, kunyangwe kana vaine ipfupi 0% nguva yekutanga. Tanga neChase Slate ® semuenzaniso, kubhadhara zviyero sezvazvinogona panguva yekutanga, uye nekufambisa iyo yasara kuCiti nyore ® kupedza kubhadhara mari yasara.
Citi Simplicity® uye Chase Slate® zvinongoda chete zvakanaka zvikwereti zvikwereti .
2. Funga nezvechikwereti chako pachako
Chikwereti chako chingave nzira yakanaka yekubatanidza uye kubhadhara kiredhiti kiredhiti kiredhiti, asi iyo inzira yakasarudzika nzira inodhura yekubhadhara chikwereti pane bharanzi yekuchinjisa kiredhiti kadhi.
Zvinoenderana nedhata kubva kuFederal Reserve, avhareji yemari yemubhadharo pamwedzi wemakumi maviri nemana chikwereti chako chaingodarika gumi muzana pagore munaKukadzi. Iyo yakakwira zvakanyanya kupfuura ye0% APR inowanikwa pane akati wandei emakambani akanakisa.
Ehezve, yakaderera mitengo inowanikwa kune vanokwereta vane yakanakisa kiredhiti zvikoro. Mabhangi akati wandei anoratidza mitero yekutenderedza 5% yezvikwereti zvega kubva pamwedzi makumi maviri nemana kusvika makumi matatu nematanhatu kune vanhu vane chikwereti chakanakisa. Zvekare, iri mhinduro, asi inodhura kupfuura kiredhiti kadhi yekuchinjisa, kunyangwe kune vanhu vane yakanakisa kiredhiti. Ini ndinotara chikwereti chako seyese mhinduro yekupedzisira uye imwe yakakodzera kuongorora kana iwe usingakwanise kuwana kero yekuchinjisa kadhi yehukuru hwakaringana kugadzirisa zviyero zviripo.
3. Shandisa mari yako yemusha
Imba yemari chikwereti inogona kushandiswa kubatanidza chikwereti pamubhadharo wakaderera uye kuibhadhara mukati memakore akati wandei (makore mashanu kusvika gumi nemashanu, mune dzimwe nguva). Seimwe bhenefiti yakawedzerwa, iyo mubereko yaunobhadhara pamari yemari chikwereti inogona kubvisirwa mutero, nekuda kwekubvisirwa mutero wemubereko. Vanokodzera vanokwereta vanogona kuwana mitero yakaderera se4%, iyo inogona kudonha kune inoshanda inoshanda pazasi pe3% mushure mekubvisirwa mutero.
Asi usati wapinda mumitero yakaderera uye kwenguva yakareba kubhadhara chikwereti, funga zvakaderera. Kutanga, iyo yakaderera chimbadzo mwero inogona kuve mirage. Iwe unogona kubhadhara mari yakawandisa mumabhadharo epamberi nemutengo wekutarisa kuti uwane yakaderera mwero pachikwereti chemari yepamusha, kubvisa imwe yemari yemubereko. Uyezve, zvinogona kutora vhiki dzinoverengeka kana mwedzi kuti upedze kunyora pasi, nepo chikwereti chako pachako kana kiredhiti kadhi yekuchinjisa ichigona kuvhurwa uye kugadzirira kushandisa mumazuva mashoma, zvirokwazvo isingasviki vhiki.
Zvakare, chikwereti chemari yemumba inzira ine njodzi zvisingaite yekubatanidza chikwereti. Ukatadza kubhadhara kiredhiti kadhi kana chikwereti chako pachako, mhedzisiro yakaipisisa mutongo wedare unomanikidza kuti unyore kubhuroka. Kana iwe ukasabhadhara chikwereti chemba, mamiriro ezvinhu akaipisisa akanyanya kuipa: kutadza, kubhuroka, uye kurasikirwa kweimba yako kufumurwa.
Iyi inzira ine njodzi huru yekukwereta, uye mitengo yakaderera inopiwa nemabhangi inoratidza mabhanga ane njodzi shoma paanonyora zvikwereti zvemumba. Mabhangi senge aya marudzi ezvikwereti nekuti ivo vanoziva kuti kana iwe ukasabhadhara kwako, vanogona kutora imba yako, votengesa kuchitoro chekufungidzira, uye vowana yakawanda, kana isiri yese, yemari yako kudzoka. Anokwereta achasiiwa nechikwereti chakaparadzwa uye achitsvaga pekugara nyowani.
Wataura zvikwereti zvemari zvekumba chete nekuti zvinowanzo kuratidzwa senzira huru yekubatanidza chikwereti, kwete nekuti iwe unofunga kuti inzira yakanaka. Ichokwadi ndechekuti, ndinovaona seimwe yenzira dzakaipisisa yekutsanangudza chikwereti chekadhi rechikwereti nekuti njodzi yakanyanya uye nekuti vanokurudzira kubhadhara kiredhiti kadhi zvishoma nezvishoma pamusoro pemakore akati wandei, izvo zvinoguma nemari yakawanda inoshandiswa pane chimbadzo kwete chikuru.
Nzira yakanakisa yekusimbisa kiredhiti kadhi chikwereti
Tichifunga nezve njodzi yakakura yechikwereti chemari, ndinofunga inofanirwa kubviswa zvachose senzira yekugadzirisazve kiredhiti kadhi chikwereti. Mukana chete wechipiri wemogeji kana wembaji chikwereti chikwereti inopa inguva yekubhadhara bharanzi. Iwo ekudzikira ndiwo mukana wekuwedzera wekufungidzirwa, zvinogona kukwira kumusoro kwepamberi mutengo (ongororo uye zvinyorwa zvemari), uye imwe nguva nesimba rinoshandiswa mukunyora kwekunyora.
Izvi zvinosiya wega chikwereti kana chiyero chinjana seyakanakisa sarudzo. Maonero angu ndeaya 0% muyero wekutamisa makadhi ndivo nzira yekuenda . Iyo yakanaka bharanzi yekuchinjisa zano iri seinotevera: vhura kiredhiti kiredhiti kadhi bharanzi pa 0% nemari yakaderera kana isina yemari yekuchinjisa, chinja zviyero zvako kukadhi uye wozochengeta kadhi rinoonekwa pane imwe nzvimbo iyo isiri nyore kuwana. Viga makadhi echikwereti ekare uye tanga kushandisa mari kana kuti chikwereti kubhajeti mwedzi wega wega kuti udzivise muyedzo wekuwedzera zviyero zvitsva uchibhadhara zvikwereti zvekare.
Avo vanoda imwe nguva yekubhadhara zviyero vanogona kunetseka nezvazvo gare gare. Iko hakuna kushomeka kwe0% APR muyero wekuchinjisa makadhi ayo anogona kushandiswa kuendesa zviyero kana iyo 0% yekutanga nguva inopera. Zvakare, kana chikwereti chikazopedzisira chave chikuru kwazvo kuti chisakwanisike kuitiswa, varidzi vemakadhi vanogona kuzorodzwa kuti havana kuisa panjodzi imba yavo kuti vasimbise mari yacho kana kuti vaifanira kutakura mwero wakakwira wemubereko pachikwereti chemunhu.
Wedzera zvishoma mari kuwedzera kune chikwama chako
Wanga uchiziva here kuti kushandisa mari yekudzosera makadhi echikwereti ekushandisa zuva nezuva ndiyo imwe yenzira dziri nyore dzekuzadza homwe dzako neimwe mari yekuwedzera?
Ichokwadi . Uye iyi yekutanga tora ndeimwe yemakadhi anobhadhara zvikuru atakaona. Heano zvimwe zvikonzero nei iri yedu yepamusoro yakapihwa mari kadhi rekudzosera kadhi:
- Unogona kuwana kusvika ku5% mari kumashure
- Zviri nyore kuchengetedza kukosha kwe $ 1,148 (kana zvimwe) uku uchibhadhara madhora 0 mumari yegore
- Unogona kudzivisa kufarira pakutenga uye kuenzanisa kuendesa kweanopfuura gore rimwe ne0% kutanga APR
Asi chakanyanya kukosha: zviri nyore kuti ZVINOKOSHA kuwedzera mari yako yemubairo mugore rekutanga.
Zviri Mukati