Urikuda here chikwereti cheimba, asi usina chikwereti chekudarika rondedzero yebhangi yakamirira?
Kana kuti pamwe wanga uchibhadhara chikwereti chako, asi ikozvino uri kutsvaga yakaderera mubereko uye/kana mumwe mukweretesi.
Kana izvo zvichiita senge mamiriro ako, saka refinancing inogona kunge iri yako! Dzidza zvakawanda nezve kuti chii uye kuti ungazvifambisa sei kubva pagwara redu rekutanga rinobatsira pazasi.
Chii chinonzi Refinance?
Ndiyo nzira yekushandura uye kutsiva mazwi ehurongwa hwechikwereti huripo, kazhinji chikwereti kana chikwereti.
Iwe unogona ipapo kushandisa mari yaunokwereta bhadhara chimwe chechikwereti chako chemumba chazvino, zvinoreva kuti unogona kuderedza mari yemwedzi.
Refinancing Inoshanda Sei?
Danho rekutanga rekubhadhara mari ndeye kuona kuti wakawanda sei chikwereti chako pachikwereti chako kusvika zvino. Kana iwe uchangotanga kubhadhara pane yako yemba uye watanga kubhadhara mumwedzi uchangopfuura, saka ndiyo mari yauchazoda kuti ugadzirise.
Iwe kazhinji unenge uine chikamu chemari yembanje inosara mushure mekubhadhara mubereko.
Kuti uwane mibairo yakanakisa kubva mukubhadhara mari, zvakakosha kuti ugone kunyatsonzwisisa kuti inoshanda sei uye kuti ndezvipi zvikomborero uye zvipingamupinyi zvaungatarisira.
Ndezvipi Zvakanakira Refinancing?
Pane akati wandei mabhenefiti aunogona kuwana kunze kwekubhadhara mari, kusanganisira:
Chengetedza mari
Pawakadzorera chikwereti cheimba yako, unogona kuderedza mari yako yemwedzi uye chengetedza mari pamubereko. Kana iwe uchida kuchengetedza mari yenguva yemberi, izvi zvinogona kubatsira chaizvo.
Musiyano uripo pakati pemari yawakakwereta usati wadzosera mari uye mushure ndiyo huwandu hwemari yawakachengeta!
Chikwereti Flexibility
Nepo iwe uchizove uine nguva yekukwereta yemakore makumi matatu kana iwe uchigadzirisa, izvi hazvireve kuti zvakaiswa mudombo. Kana mubereko wadonha zvakare mumakore maviri kana matatu, unogona kushandisa refinancing kudzikisa mari yako yekubhadhara imba zvakare uye kuchengetedza nguva imwechete yechikwereti.
Kuisa Mari Kure
Kana imba yako iine equity, refinancing inogona kunge iri nzira inotyisa yekuisa mari yausingade izvozvi muakaundi inokura. Ingoita shuwa yekuchengeta imwe mari iripo yekuvhara mitengo kana iwe ukaronga kuvhara pane yako refinancing mumwedzi mishoma inotevera.
Chikwereti Kubatanidzwa
Nekubhadhara mari zvakare, unogona kubatanidza chikwereti chako chose kuita chikwereti chimwe uye kuita kuti mubhadharo wepamwedzi udzike zvakanyanya. Izvi zvinoreva kuti mibairo yako miviri yakagadziriswa, saka haufanirwe kubhadhara chikwereti pane imwe mari yaunochengeta.
Bhadhara Chikwereti Chako Nekukurumidza
Kana wanga uchiedza kubhadhara chikwereti chako zvizere, refinancing isarudzo yakashata yekuzviita pasina kukanganisa chikwereti chako. Nevazhinji vanokweretesa, mazuva ano, iwe unozokwanisa kubhadhara chikwereti chako chemba nekukurumidza nekugadzirisa zvakare.
Ndezvipi Zvakaipa zveRefinancing?
Pane zvipingamupinyi zvakasiyana zvekufunga nezvazvo usati wabhadhara mari, senge:
Kuwedzera Kwemwedzi Kubhadhara
Vanhu vazhinji vanofunga kuti refinancing inodzikisa mubhadharo wavo wepamwedzi nekufamba kwenguva, asi izvi hazviwanzo kuitika.
Zvichienderana nekureba kwawakaita imba yako uye kuti misika yakachinja sei kubva pawakaitenga, refinancing inogona kungokuchengetedza mari shoma mwedzi wega wega.
Nguva Yakareba Yekukwereta
Kudzorera chikwereti chako kunokubvumira kuti uwedzere nguva yako yechikwereti kusvika kumakore makumi matatu, zvichikupa nguva yakawanda yekubhadhara mari yese yechikwereti. Ichi chimwe chinhu chikuru nezve refinancing uye ichakuchengetedza iwe nekufamba kwenguva, asi chimwe chinhu chaunofanira kufunga nezvazvo usati wagadzirisa.
Hapana Kuvhara Mari
Sezvo refinancing inosanganisira chikwereti chitsva, hapana mari yekuvhara inobatanidzwa.
Iwe unogona kuwana chikwereti pasina kuchengetedza kana mari yekutonga. Nekudaro, vanhu vazhinji vanoona kuti vanofanirwa kubhadhara imwe yepakati yavo yepakati nekukurumidza kuitira kuti vadzivise kubhadhara mubereko pairi.
Refinancing Yakasiyana Sei neKugadziridzwa Kwechikwereti?
Kugadziridzwa kwechikwereti kunosiyana nekubhadhara zvakare nekuti kunosanganisira kukumbira mukweretesi wako rubatsiro mukudzikisa mubereko wako kana kuderedza mari yako. Refinancing inzira yakasiyana inogona kutungamira kune yakaderera mubereko pane yekuchinja chikwereti, saka zvakakosha kusiyanisa pakati pezviviri.
Kugadziriswa kwechikwereti ndipo apo mukweretesi wako anotora mari shoma kubva kwauri kuti udzikise mari yako yemwedzi.
Refinancing, zvisinei, ndipo paunoisa chikwereti chitsva pamusoro pekukosha kweimba yako kuitira kuti iwe ugone kubhadhara zvimwe zvezvaunokwereta uye kubhadhara mari shoma.
Maitiro ekubhadharazve chikwereti anogonawo kunge akasiyana kubva kune imwe nyika kuenda kune imwe nyika nekuda kwemitemo nemirau yakasiyana, kunyangwe varidzi vedzimba vazhinji vanozviona zviri nyore pane kuedza kugadziridza chikwereti.
mhedziso
Maitirwo ekubhadhara mari zvakare akagadzirirwa kudzikisa muripo wepamwedzi uye anogona kuguma nekudzikira kwesero yemubereko.
Iyi inogona kunge iri imwe nzira yakakodzera kwauri zvichienderana nemamiriro ako ezvinhu; funga nezvenyu kuti uone kana zvine musoro. Nekuita sarudzo ine ruzivo, unogona kuchengetedza mari, kurarama wakasununguka uye kunakidzwa nemabhenefiti emangwana asina chikwereti.
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