Kune mhando dzakasiyana-siyana dzezvikwereti zvinogona kuwanikwa sekunge iwe wakashanda, chero bedzi uine purogiramu yenguva dzose yakadai sekushaiwa basa, kuremara kana kubhadhara mari.
Kushaya basa kunotora semari kune vamwe vateresi.
Imwe yenzira dzakaderera uye dzinokurumidza kuwana mari nokukurumidza dzinoshandisa kushandisa kadhi rechikwereti kuti uwane mari mberi kana kukumbira shamwari kana mhuri kuti uwane chikwereti. Zvimwe zvinogona kusanganisira:
Kukwereta Neimba Yako Kana Upenyu Inishuwarenzi
- A Imba Equity Line Credit (HELOC) rudzi rwechikwereti chinofanana nekuva nekadhi rechikwereti rine mararamiro aripo. Kana uine mukana wakaenzana wehutano muhumba, uye imwe nzira yemari (kusashanda kwemabasa, alimony, nezvimwe) izvi zvinogona kuva sarudzo.
- Kukurukurirana nekambani ye inshuwarisi yehupenyu maererano nehutano hwako inogona kubhadhara mari shoma shoma. Taura nebhengi rako rekune imwe nyika kana kuti chikwereti chekambani kune mazano.
- Kana imwe chikwereti ichibhadharwa, chikwereti chichadzokorora pachako panguva inotevera iwe uchichida.
- Izvo zvikwereti zvinowanzotarisirwa kwenguva yakareba uye zvinonzwisisika sezvavanokwereta vanogona kuronga zvikamu zve 5 - 25 makore.
Chikwereti Ne Co-Signers
Kana zvichibvira, shamwari kana nhengo yemhuri ine chikwereti chakanaka angave achida kubhadhara chikwereti, achikupa mukana wakanaka wekuwana chikwereti uye chikwereti chinogona kukura.
Iwe ucharamba uchida kuratidza kuti inopa mari uye unogona kubatsirwa nemagwaro akasainwa kuti usimbise kune chikwereti icho cosigner chiripo.
Cash Achivances
Vakawanda makadhi emakwereti anopa mari mberi. Ndiyo nzira yekukurumidza kutenga mari, asi ziva kuti chikwata chekufarira chinowanzokwirira.
Car Title Loans
Kana motokari yako yakatobhadharwa kana kuti yakakwana pasi payo kuitira kuti inokosha kupfuura iwe unokwereta, chikwereti chemutoro wemotokari inzira yekutengesa mari nokukurumidza.
Icho chinonzwisisika shanduko-ye-maoko kuverenga apo kambani yekodhi yekwereti yemotokari inobata musoro kusvikira chikwereti pamotokari ichiripo. Kufanana nezvimwe zvezvimwe zvingasarudzwa, makambani emakwereti emotokari anodiwa anoda nguva dzose mari, asi vazhinji vanobvuma chero cheki chechiratidzo. Zvizhinji zvekushandiswa zviripo paIndaneti uye zvino kukumbira iwe kuti uuye nemotokari kuti iongororwe mumunhu, uye vamwe vanogona kuzviita zvose kamwechete. Iko kusununguka kushanda, asi kune mari yepamusoro yezvinyorwa kana iwe ukagamuchira chikwereti. Izvo zvikwereti zvakakwirira asi kwete sepamusoro sekubhadhara chikwereti chemari, uye mazwi echikwereti anogara kwenguva refu.
Chikwereti Kubatanidza Mari
Kukwereta chikwereti zvikwereti inzira yekudzivirira mwedzi miviri uye kubhadhara chikwereti nyore nyore, kunyanya kana pasina mari inopinda. Kutsvakurudza chikwereti makambani ekufambisa makambani kuti awane nezvezvikwereti zvevasina basa. Nekukweretesa chikwereti chikwereti, iwe unogona kukwanisa kubhadhara chikwereti, kuwana mari yakaderera yehuwandu, uye kuguma kwemari yemari.
Pawnbrokers
Pawnbrokers ndeimwe nzvimbo inokwereta yevasina basa. Ivo vakasiyana nemakambani ekubhadhara chikwereti nekuda kwekuti iwe haufaniri kurega chinhu kusvikira iwe uchibhadhara chikwereti kumashure. Kana usina mari yaunowana, iyi inogona kuva yakanakisisa yako. Chero chipi nechipi chaunosarudza kuunza chiri chichaongororwa, kazhinji pane zvakawanda zvishoma pane zvakakosha.
Vachakupa chikwereti kwehafu yeiyo, kupa kana kutora, zvichienderana nekutengesa pawn pane imwechete. Kana iwe usingabhadhara chikwereti pamwe chete nechibvumirano kana kutsvaka kuenderera mberi kwechikwereti ichocho, vachachengeta chinhu chacho kuti chibhadharire. Chikwereti chako hachizogadziriswa kana uchifanira kukanganisa pane chikwereti.
Nenguva-pfupi Majekiti / Payday Loans
Mahombekombe akawanda ekubhadhara chikwereti achagamuchira uchapupu hwokushaikwa kwebasa, kuremara kana kuti alimony (kana mamwe mamiriro ekugara mari). Vanongova nehanya nehumwe humwe hwemari inopinda munyaya yekugadzirira kwekubhadhara chikwereti pazuva. Payday zvikwereti ndezvenguva pfupi uye zvinodhura, asi inosarudzo apo mari yakaoma uye inodiwa nokukurumidza.
Mamwe Vatengesi
Vamwe vanokweretesa vachapa zvikwereti kune vasingashandi vasina mabhuku akawanda kana uchapupu hwekugara muchiwana kana iwe ukagona kuisa mari yakawanda pasi (25% kana kupfuura).
Taura nevatengi vakasiyana-siyana (vanhu vose uye vega) pamusoro pekushandisa mari ikozvino sekubhadhara kwekweretesa.