Zvikwereti Zvemunhu Zvinokanganisa Sei Chikwereti Chako Chibodzwa?

Vanopfuura mamirioni makumi maviri vanhu vanogara muUnited States vane chikwereti chakavhurika chemunhu. Zvikwereti zvemunhu zvinotorwa nekuda kwezvikonzero zvakati wandei, uye hazvisi zvese zvakaipa. Kutenga motokari itsva kana imba kana kubatanidza chikwereti zvikonzero zvishoma nei vanhu vachitora zvikwereti zvavo. Asi kunyangwe uine vavariro dzakanaka, zvikwereti zvemunhu zvinogona kukanganisa chikwereti chako.

Chii chinonzi Chikwereti?

Kunzwisisa kuti kiredhiti mamakisi chii kunogona kukubatsira zvirinani kuti unzwisise kuti zvinhu zvinokanganisa sei. Chikwereti chibodzwa chirongwa chinoshandiswa kuyera kukweretwa kwemunhu. Zvikwereti zvibodzwa zvinomiririrwa nenhamba dzenhamba. Nhamba idzi kuchinja zvichienderana nezvinhu zvakawanda. Zvinhu izvi zvinosanganisira nhoroondo yekubhadhara, zvikwereti, mitsara mitsva yechikwereti, nhamba yemaakaundi, uye huwandu hwechikwereti huripo. Zvinhu izvi hazvisi zvose zvinoyerwa zvakaenzana. Zvimwe zvinhu zvine mhedzisiro yakakura pachikwereti chako kupfuura zvimwe. Semuenzaniso, zvikwereti zvinoverengerwa makumi matatu kubva muzana ekiredhiti yako, nepo mitsetse mitsva yechikwereti ichingoita gumi muzana.

Chii chinonzi Personal Loan

Chikwereti chemunhu imhando yechikwereti inogona kushandiswa kune zvisiri izvo. Zvikwereti izvi zvakasiyana nemotokari, imba, uye zvikwereti zvevadzidzi nekuti zvinopa vanokwereta rusununguko rwekushandisa pane zvavanoda. Zvikwereti izvi zvinopihwa nemasangano emari akadai semabhanga, masangano ezvikwereti, uye vechitatu-bato vanokweretesa senge KingOfKash.com. Zvikwereti zvemunhu zvinowanzova nemubereko. Izvi zvinoreva kuti unozopedzisira wabhadhara kupfuura zvawakakwereta. Mari yemubereko inosiyana neiyo institution yaunokwereta kubva uye yako kiredhiti mamakisi. Mabhangi uye masangano ezvikwereti anowanzo ane mibairo yakaderera pane yechitatu-bato kana online inokweretesa. Kufanana nemamwe marudzi mazhinji ezvikwereti, zvikwereti zvemunhu zvinobhadharwa zvishoma nezvishoma. Izvi zvidimbu zvinowanzova zvepamwedzi asi zvinogonawo kuitika vhiki nevhiki kana bi-vhiki.

Zvikwereti zvemunhu zvinowanzo shandiswa kubatanidza chikwereti, zvekurapa uye zvemutemo zvekukurumidzira, uye kutenga kukuru. Nekudaro, iwo anogona zvakare kushandiswa kune zvakasiyana kutenga semichato, zororo, kana mapurojekiti ekuvandudza imba.

Chikwereti Chako Chemunhu Chinokanganisa Sei Chikwereti Chako Chibodzwa?

Chese chikamu chemaitiro echikwereti chemunhu inokanganisa chikwereti chako. Pakutanga kukumbira chikwereti, vanokweretesa vanoita cheki chechikwereti. Ichi cheki chechikwereti chinoshandiswa kuona kukodzera kwako kukwereta. Cheki chechikwereti chinogona kuderedza chibodzwa chechikwereti asi zvinosvika gumi mapoinzi.

Zvikwereti zvemunhu zvinoonekwa sechikwereti uye zvinoverengerwa muchikamu chechikwereti chechikwereti chako. Ichi chikamu chechikwereti chako chakakosha 30%, zvichireva kuti chikwereti chichakanganisa chibodzwa chako. Funga nezvechikwereti chako-kune-income ratio paunenge uchitenga zvikwereti. Usatore mari yechikwereti yausingakwanise kudzosera.

Kubhadhara chikwereti chako kumashure kuchave nemhedzisiro yakakura pane yako chikoro. Kana iwe ukabhadhara chikwereti chako kumashure nenguva uye ukasapotsa chero kubhadhara, chikwereti chako chinowedzera. Saizvozvo, kana ukasabhadhara chikwereti chako kumashure nenguva uye uchitadza kubhadhara, uchaona kuderera kwechikwereti chako. Kushaikwa mubhadharo wakawandisa hakungokuvadza chikwereti chako chete asi nhoroondo yako yekubhadhara zvakare.

Zvikwereti zvemunhu zvinokanganisa kiredhiti yako zvibodzwa zvisinei nezvaunozvishandisira. Ichi ndicho chisarudzo chikuru chisingafaniri kutorwa zvishoma. Kutora chikwereti chako pachako kunogona kuve nemhedzisiro pachikwereti chako uye kunogona kuona kugona kwako kweramangwana kuita kumwe kutenga.