Nzira yekuwana chikwereti chemotokari pazuva rimwe chete

Aya haasi mamiriro akanaka, asi ungangoda mari yemotokari nekukasira. Izvi zvinogona kuva nekuti:

• Wawana mota yezviroto zvako
• Mota yako yaparara uye inoda kutsiviwa nekukasika
• Waifanira kutengesa motokari yako kuti ubhadhare chikwereti chako
• Uchangotanga basa risingasvikike nezvifambiso zveveruzhinji.

Kutenga mota kunonetsa pachezvako, asi ukadzvanyirirwa kwenguva zvinotonyanya kuoma. Kuwana chikwereti chemotokari kana chikwereti chemotokari dzimwe nguva kunogona kutora mazuva kana kunyange kwenguva yakareba kuti ubvumirwe rudzi rwemotokari yaunoda, uye dzimwe nguva haugoni kumirira kwenguva yakareba.

Vakawanda vanopa zvikwereti, vatengesi vemotokari vakashandiswa, uye kunyange vamwe vatengesi vemotokari vanobhadhara vanopa zvikwereti zvezuva rimwe chete kune vatengi. Kana uine chikwereti chakanaka, sarudzo dzako dziri nani zvikuru. Kana chikwereti chako chisina kunaka sezvachingave, unogona kunge wakaganhurirwa, asi iwe unogona kazhinji kuwana chikwereti chemotokari pazuva rimwe chete.

Nzira 1 ye2: Tora chikwereti chemotokari pazuva rimwe chete kana uine nhoroondo yakanaka yechikwereti.

Mufananidzo: Credit Karma

Usati wafunga kuti ndeipi nzira yakakunakira iwe, unofanirwa kuziva yako kiredhiti mamakisi. Kunyangwe iwe uchikurumidza kuenda kune mutengesi, zvine hungwaru kutora maminetsi mashoma kuti utarise chikwereti chako chibodzwa usati wabva kumba. Unogona kuiwana online nekukurumidza kubva kumasaiti seCredit Karma.

Kana uine chikwereti chakanaka, uri mutengi anogamuchirwa kune vanokweretesa, kungave kuburikidza nebhangi, mutengesi wemotokari kana chimwe chikwereti chemotokari. Iwe unozokwanisa kuwana mari yemotokari pazuva rimwe chete pasina matambudziko kana uine mari yekutsigira chikwereti.

Zvinhu zvinodiwa

• Chiziviso chemunhu (kazhinji mufananidzo ID uye imwe nzira yekuzivikanwa)
• Kuongororwa kwemari

Danho 1: Tsvaga zvinokwikwidza zvinopihwa kubva kune vanokweretesa. Iwe uri kutonga nekuti iwe uri tarisiro huru. Usatya kuita kuti vanokweretesa vazive kuti uri kutsvaga yakanakisa mari yekupihwa.

Unganidza 5-7 zvinokwezva zvinokwidziridzwa kana zvinopihwa kubva kune vanokweretesa, uchiona kuti ndevapi vane yakanakisa mareti ekubhadhara uye ndeapi mabhenefiti ekushandisa masevhisi avo. Deredza rondedzero yako kusvika pavatatu vepamusoro uye wovaisa.

Bata vatatu vanotungamira vanokweretesa uye enzanisa zvavanopa nemumwe kuti uwane iwo akanakisa mazwi echikwereti.

Danho rechipiri: Zadza chikumbiro chechikwereti. Ipa ruzivo rwakawanda sezvinobvira kutsigira application yako.

Iva akarurama uye ane chokwadi, sezvo ruzivo rwenhema ruchigona kuita kuti chikumbiro chako chirambwe uye kucherechedzwa nekiredhiti bureau yako.

Danho rechitatu: Ipa chitupa. Ipa kopi yechitupa chako, kazhinji rezinesi rekutyaira, uye humwe humbowo hwekuzivikanwa hwakadai sekadhi rechikwereti, gwaro rekuzvarwa, kana pasipoti.

Iwe haufanirwe kupa yako Social Security nhamba, kunyangwe ichiisanganisira pane yako application inogona kukurumidzira kugadzirisa kwekunyorera kwako.

Regedza kuzadza zvikumbiro zvechikwereti zvakawanda pese pazvinogoneka. Kushanya kwakawanda kune yako kiredhiti bureau kunogona kusimudza mireza yakafanana neanogona kubirwa chitupa, kudzikisira chikwereti chako kana kudzikisa chikwereti chako.

Mufananidzo: Bankrate

Kana uchinge wapedza chikumbiro chako chechikwereti, unokurumidza kugamuchira mvumo kana nhoroondo yako yechikwereti yakanaka uye uchikwanisa kubhadhara zvinoenderana neDebt to Service Ratio (DSCR), inozivikanwawo se “Debt-Coverage Ratio”, i.e. chiyero chemari yaunofanira kubhadhara zvikwereti zvako.

Somuenzaniso, kana ukabhadhara $1500 pamwedzi yekutenga imba, $100 pamwedzi yechikwereti chemotokari, uye $400 pamwedzi kune zvimwe zvikwereti, kubhadhara chikwereti chako pamwedzi kuchava $2000. Kana mari yako yakawandisa pamwedzi iri $6000, ipapo chikwereti chako-ku-muhoro chikamu chiri 33%.

Danho rechina: Nyorera chikwereti chemotokari. Verenga zviga zvechibvumirano chako chechikwereti zvakanyatsonaka. Kana zvisingaenderane nezvawakavimbiswa, usasainire chibvumirano.

Kana mukweretesi akasazadzisa chiyero chakavimbiswa kana zvitemo, enda kumwe kunhu uye upedze kunyorera kutsva.

Nzira yechipiri ye2: Tora chikwereti chemotokari pazuva rimwe chete kana uine nhoroondo yakaipa yechikwereti.

Zvinhu zvinodiwa

• Banking ruzivo
• Mari yekutanga
• Chiziviso (chifananidzo ID uye imwe nzira yekuzivikanwa)
• Kuongororwa kwemari

Kana chikwereti chako chiri pasi pezvaunoda, zvinogona kunge zviri nyore kuwana chikwereti chemotokari yezuva rimwe chete, asi mazwi ako ekubhadhara achasiyana. Kana iwe uine chikwereti chakashata kana pasina chikwereti, vanokweretesa vanokuona sengozi yakanyanya yekutadza kubhadhara mota yako. Chaizvoizvo, hausati waratidza kuti wakakodzera kuderera mubereko uye sarudzo dzemakwikwi dzekubhadhara.

Zuva rimwe chete zvikwereti zvemotokari zvinogona kuve nhanho yako yekutanga kuvaka kana kugadzirisa chikwereti chako kana mukweretesi akashuma chikwereti chako kune kiredhiti bureaus. Kazhinji, vanokweretesa vezuva rimwe chete vemotokari havadi cheki yechikwereti, asi vachiri kuda humbowo hwekuzivikanwa kwako.

Zuva rimwe chete zvikwereti zvemotokari zvinowanzopihwa nemutengesi kana mukweretesi kubva muhomwe, vachiita sebhangi ravo. Unogona kutarisira kuti mubereko wako ukwire uye nguva yako yekubhadhara ipfupi pane munhu ane chikwereti chakanaka. Iyi inzira yekuti mukweretesi akurumidze kudzoreredza chikamu chechikwereti chavo chepamusoro-chepamusoro muchiitiko chekutadza.

Danho 1: Zvitengese kune vanokwereta. Tsvaga vatengesi vane mbiri kana vakweretesi vane bhizinesi rinozivikanwa uye rakasimbiswa. Tarisa mitengo yakanakisa inogoneka yemamiriro ezvinhu akaipa kana pasina chikwereti.

Taura nevakwereta kuti uedze mvura. Inzwa kana vachifunga kuti uchawana mari.

Danho 2: Ziva mazwi auri kuzogamuchira. Chibereko chako chemubereko chinenge chakakwira zvakanyanya kudarika mwero wakaderera wakashambadzirwa wavanawo.

Kubhadhara kwako kungangotambanudza izvo zvauri kusununguka kubhadhara pamwedzi.

Danho rechitatu: Zadza application. Ndapota zadza fomu racho zvizere uye nokutendeseka. Ruzivo rwako pachako uye mari yaunowana ingangove yakasimbiswa usati wapihwa chikwereti.

Rega mukweretesi azive kana iwe uchida kuti mari yako ibviswe kubva kuaccount yako yekubhangi uye vape ruzivo rwako rwekubhengi kuratidza kuti uri kurevesa.

Kana iwe uchida kuti mari ibviswe otomatiki, zvinobatsira kuderedza njodzi yekutadza kubhadhara chikwereti chemotokari. Unogona kutowana mubereko uri nani nekuti unobatsira kuderedza njodzi yako.

Rega mukweretesi azive kana uine mubhadharo wepasi. Izvi zvichakubatsira kuwana chikwereti kana uine mubhadharo wepasi pamotokari yako.

Ipa humbowo hwekuzivikanwa uye humbowo hwemari.

Danho rechina: Tora chikwereti chemotokari. Kana mamiriro acho achikukodzera uye uchikwanisa kubhadhara mari inodiwa, nyoresa kuchikwereti. Usati wasaina magwaro, verenga mazwi echibvumirano.

Kana mashoko acho akasiyana nezvawaudzwa, usasaine magwaro kusvika anyatsojeka.

Iwe une sarudzo yekutendeukira kune mumwe mukweretesi, saka usagadzirise chero chinhu nekuti unonzwa sekunge hauna imwe sarudzo.

Kana iwe uchida mari yezuva rimwe chete yemotokari yaunoda kutenga, ipfungwa yakanaka kuuya kumutengesi sezvakagadzirirwa sezvinobvira. Tsvaga chikwereti chako usati wabva kumba kuti uzive nzira yekutora kana wasvika. Kana uine nhoroondo yakanaka yechikwereti, uri pachinzvimbo chirinani pane dai chaive chakashata, asi usambozeza kuramba chibvumirano chinonzwa chakaipa kwauri.