Yambiro: zvokuita kana pasina mari kubhadhara chikwereti

Mumwe munhu anogona kusangana muupenyu hwako mamiriro ezvinhu akaoma, kana vataipa Tera uye kubhadhara chinhu. Zvikonzero anogona kukonzera dambudziko iri, nguva dzose zvakasiyana, asi chikwereti - icho kuzvipira kuti zvinofanira kuitwa.

Zvokuita panyaya apo hapana zvachose hapana nzira kuramba pabasa chikwereti purogiramu? Chokutanga, pane diki kunonoka pamusoro zvakafanira kubhadhara, uye kubhengi anotanga kubhadharisa mukwereti akasiyana-siyana Zvirango uye vanogona mangwanani mutsividzo yacho chikwereti. Kazhinji, zviito tsika zvemari vari zvakanaka makateyiwa uye vari mukati chibvumirano akagumisa nemashoko nemhosva. Asi hazvisi, uye hazvina kugara zvakadaro. Saka chii kana iwe usingagoni kubhadhara chikwereti? How kunzwisisa: zvii vokubhengi zviri pamutemo uye izvo vasiri?

Chii chichaita kuti mari chero zvazvingava,

Izvi zvinowanzoitika kana akagadzirirwa kwenguva refu zvikwereti zvirongwa. Kwenguva refu akakwereta kuti mari nguva dzose uye kuzadzikisa ayo mitoro, asi pane imwe nguva akarega kubhadhara. Somugumisiro, nguva apo kubhengi inozivisa mutengi kuti uwandu chikwereti chayo yakura kakawanda kubva mari romugove, uye kudiwa chokukuripa nacho pakarepo. Kana kukundikana rwezvemabhengi mamiriro akaita pangozi pamutemo chiito uye kusunga kuti kubiridzira. Vazhinji nguva chete kukanda maoko avo, kunyange zvazvo vaine mukana wose kuti vadzivirire rusununguko rwavo uye kodzero.

Saka chii kana iwe usingagoni kubhadhara chikwereti? Chinhu chokutanga kunzwisisa sei kuti, chii inoitwa pakati Bank of chikwereti. Izvi zvinogona kuitwa nyore neZvapupu tsika zvemari achishandisa mashoko akanyorwa. The Bank vanosungirwa kupa zvaida mashoko vose pfupi zvichibvira nguva. Kazhinji chikwereti vanosanganisira zvinotevera:

• muviri chikwereti. Zvichava wadzokera chero zvaizoitika.
• Kufarira. Kazhinji raanotaura nokuda chibvumirano uye vanobhadharwa kuzvidzosera.
• Chitarafu. Kuti zvakafanira kuti kuteerera nokuti kazhinji ndiwo makura chikamu nhamba.

Muchiitiko chino, unofanira pasi dare mashoko ari kukamurwa nguva, inova 1 gore. Izvi zvinoreva kuti kana iwe akatora chikwereti haagoni kubhadhara, ipapo vaifanira zvichibvira mutongo angachajwa chete kubhadhara akaita mugore.

Nzira kuti chikwereti default

Zvakadini kana pasina mari kubhadhara chikwereti? Chokutanga, munofanira kunzwisisa kuti chokupedzisira chinhu chakakodzera kuita - ndiko kuvanda kubva kubhengi yakaungana basa. Masangano yemanyorero kufara kuenda kunosangana mukwereti uye dzinoita mabasa kuti chikwereti anomukweretesa. Zvinofanira kurangarirwa kuti mari mamiriro anonyanya kutsvaka kusvika. Iye haasi zvinobatsira kuenda kudare, vanoripira chikwereti muunganidzwa basa uye tsvaka defaulter. Zviito zvose izvi zvinoda dzokuwedzera mari uye kubhengi chete anoda mari yavo shure, kwete kupedza itsva. Ndokusaka haufaniri kutya chiito pamusoro chikamu tsika zvemari kana pangava nematambudziko SERVICING chikwereti purogiramu. In zvinoitirwawo zviitiko zvisingafanoonekwi uye kutyisidzirwa zvaipesana muripo hurumende hwobva kutaura kubhengi uye zvakaitika pamafudzi ake nyaya kugadzirisa, refinancing kana achiposa mamiriro chikwereti. Kuti aite izvi, unofanira kuzviisa kushanda pazuva zvakakodzera chimiro uye kupa zvose inopikira ose achauya nematsive muzvikwereti. No vanofanira kufunga zvokuita kana iwe usingagoni kubhadhara chikwereti. Tinofanira kuita chisarudzo uye pamwe mubhengi.