Chikwereti chakashata hachifanire kuchengetedza zviroto zvako zvekuva mutyairi wendege. Mari yekudzidzira ndege inogona kubva pamadhora makumi matanhatu kusvika pamadhora zana, asi zvikwereti zvepamhepo zvechikwereti chakashata zvave nzira yevanoshuvira vatyairi vanotarisana nezvipingaidzo zvechikwereti.
Unogona kufunga kuti zvakaoma kuwana zvikwereti zvekudzidzira ndege nechikwereti chishoma-kupfuura-chakakwana. Mashoko akanaka? Dzakawanda sarudzo dzemari dzinogona kubatsira mari rwendo rwako kuenda kumatenga. Zvikwereti zvepamhepo zvepamhepo zvechikwereti chakashata uye zvirongwa zvechikoro zvekubhururuka zvinopa nzira dzakawanda dzekutangisa dzidzo yako yekubhururuka. Kunzwisisa kwakakodzera kwezvisarudzo izvi kunogona kukushandura kubva kune mucherechedzi wepasi kuita mutyairi wendege ane certified.
Ichi chidimbu chinokuratidza nzira yekuwana mari yaunoda yekudzidzira ndege. Iwe unozodzidza nzira dzekusimudzira chikwereti chako uye kuvaka hurongwa hwakasimba hwekuzadzisa zviroto zvako zvekubhururuka. Tichagovera nyaya dzekubudirira uye matanho anoshanda anogona kubatsira kushandura zvishuwo zvako zvemutyairi kuti zvive chokwadi.
Kunzwisisa Zvinetso zveKukwereta muKudzidziswa Kwendege
Kuwana zvikwereti zvekudzidzira ndege kunouya nematambudziko akasiyana echikwereti ayo vanoshuvira vatyairi vendege vanofanira kubata. Yakashata kiredhiti zvikwereti pamhepo zvinopa akati wandei maroadblocks akanangana nendege mari.
Matambudziko akajairika echikwereti anotarisana nevaya vanoshuvira ndege
Vanhu vazhinji vanotanga rwendo rwavo rwekutyaira vachiri vadiki, vasati vavaka nhoroondo yakawanda yechikwereti. Zvikoro zvendege zvinowanzoramba vanyoreri nekuti vanoda zvikwereti zvakakura zvisina kuchengetedzwa - dzimwe nguva zvinosvika zviuru makumi mapfumbamwe zvemadhora - pasina kiredhiti yakawanda. Zera rako uye ruzivo rushoma rwechikwereti runogona kukuvadza mikana yako yekubvumidzwa nechikwereti, kunyanya nechikwereti chakashata pamhepo.
Hezvino izvo zvinogadzira kiredhiti yako mamakisi:
-Kubhadhara Nhoroondo: 35% yezvibodzwa zvako
-Zvikwereti: 30%
-Kureba Kwenhoroondo Yechikwereti: 15%
-Marudzi eChikwereti Akashandiswa: 10%
-Chikwereti chitsva: 10%
Zvikwereti zvinokanganisa sei mari yechikoro chendege
Chikwereti chako chinogona kugadzira kana kuputsa mikana yako yekuwana zvikwereti zvekudzidzira ndege. Vanokweretesa vanowanzoda a FICO mamakisi e670 kana kupfuura vasati vakubvumira. Yakashata kiredhiti online zvikwereti zvinouya neakawanda tambo dzakabatanidzwa:
1.Interest Rates: Yazvino mitengo inosiyana kubva pa17% kusvika 20% yechikwereti chekudzidzira ndege.
2.Mitemo yeKukwereta: Chikwereti chiri nani chinokupa iwe sarudzo dzekubhadhara dzeushamwari
3.Kubvumirwa Mikana: Zvibodzwa zvepamusoro zvinowedzera mikana yako yekuwana mari
4.Cosigner Zvinodiwa: Zvibodzwa zvakaderera zvinoreva kuti uchada munhu ane kiredhiti yakanaka kuti akudzosere
Dambudziko nezvikwereti zvechikoro zvekubhururuka
Zvikoro zvendege zvakatarisana nedambudziko rakasiyana - zvizhinji zvikoro zvekutengesa zvisingakwanise kupa federal mari rubatsiro nekuti havana mvumo. Izvi zvinosiya vatyairi venguva yemberi vakawanda vachitarisa zvakashata zvikwereti zvepamhepo uye dzimwe sarudzo dzemari.
Chikwereti chako-kune-kiredhiti chikamu chinotora basa guru mukubvumirwa. Chengetedza zviyero zvekadhi rako rechikwereti pasi pe30% yemiganhu yavo kuchengetedza kiredhiti yakanaka. Chikwereti che$1,000 chinoreva kugara pasi pemadhora mazana matatu zvinobatsira mikana yako yekuwana zvikwereti zvekudzidzira ndege.
Chokwadi chakaoma? Pasina kiredhiti chakasimba kana kuti anosaina, mibereko inogona kuchinja chikwereti che$100,000 400,000 kuva chikwereti che$XNUMX. Izvi zvinokurumidza kutyisa, kunyanya sezvo mabasa endege anogona kupera panguva yekuderera kwehupfumi. Layoffs kana furloughs zvinogona kukusiya uchinetseka nekubhadhara kukuru kwechikwereti.
Kuongorora Zvikwereti zvepamhepo zveSarudzo Dzakashata dzeChikwereti
Nyika yedhijitari inopa akati wandei ehunyanzvi mari sarudzo dzakagadzirirwa zvakananga kune vanoda vatyairi vendege vanoda zvikwereti zvepamhepo zvechikwereti chakashata kuti vawane mari yekudzidzira ndege. Kunzwisisa kwakajeka kwezvisarudzo izvi kuchakubatsira kuita sarudzo dzine ruzivo nezve ruzivo rwako rwekubhururuka.
Mhando dzezvikwereti zvepamhepo zviripo kune yakaipa kiredhiti
Nyika yedhijitari yezvikwereti zvepamhepo zvechikwereti chakashata mukudzidziswa kwendege inopa dzakasiyana siyana sarudzo. Meritize, nyanzvi yemukweretesi wendege, inotarisa kupfuura zvibodzwa zvechinyakare zveFICO. Ivo vanoongorora zvaunowana mudzidzo kana zvechiuto kuti uwedzere kuongororwa kwako kwechikwereti. Vadzidzi vari kutsvaga mari yakakura vanogona kuwana zvikwereti zveMeritize zvinosvika kumadhora zana nemakumi matanhatu nemazana matanhatu emadhora muCalifornia nemadhora zviuru zana nemakumi matatu muKansas.
Mhando dzakakosha dzechikwereti dziripo dzinosanganisira:
-Specialized aviation zvikwereti kuburikidza nemakambani akaita seStratus Financial
-Personal online zvikwereti zvechikwereti chakaipa kuburikidza nevanokweretesa seUpstart
-Kutengeserana nechikoro-chaicho mari sarudzo
-Career training zvikwereti zvine flexible terms
Kuenzanisa mibairo nemitemo
Mari dzekufarira uye mazwi anosiyana zvakanyanya pakati pezvikwereti zvepamhepo zvechikwereti chakashata. upstart inopa yakatarwa APRs kubva pa7.80% kusvika 35.99% nematemu ekubhadhara emwedzi makumi matatu nematanhatu kana makumi matanhatu. Chirongwa chavo chinokutendera kuti uwane mari pakati pemadhora chiuru nemazana mashanu emadhora mumari yechikoro chekubhururuka.
Zvikwereti zvevadzidzi zvinowanzopa mubhadharo wakamisikidzwa kusvika vapedza kudzidza. Ichi chiitiko chinokubatsira kuti utarise pakupedza kudzidziswa kwako usati watanga kubhadhara.
Zvinodiwa uye maitiro ekushandisa
Maitiro ekunyorera zvikwereti zvepamhepo zvechikwereti chakashata anotora anenge maminetsi gumi nemashanu kuti apedze. Hezvino izvo zvaunoda kuti ukwanise:
Zvinonyanya Kudiwa:
-Ugari hweUS, kugara zvachose, kana Employment Authorization Document
-Sangana nyore underwriting zvinodiwa
-Minimum kiredhiti mamakisi zvinodiwa (zvinosiyana nemukweretesi)
-Uchapupu hwemari kana co-signer kuwanikwa
Vadzidzi vane kiredhiti shoma kana mari yakaderera vangangoda kuchengetedza co-kukwereta. Vanokweretesa vanofanokukodzera iwe pasina kukanganisa chikwereti chako, izvo zvinokutendera kuti uenzanise akawanda anopihwa usati waita sarudzo.
Zvichikosha: Ongororo yakakwana yematemu ese uye mamiriro kwakakosha usati wapedzisa chero zvikwereti zvepamhepo zvechikwereti chakashata. Tarisa pamitengo yemubereko, zvirongwa zvekubhadhara, uye mari inoenderana nechikwereti. Ziva kuti vazhinji vanokweretesa zvikwereti havabvumire mari kuti ishandiswe padzidzo, izvo zvinoita kuti vanokweretesa vendege vakakosha kune ruzivo rwako rwekudzidzira ndege.
Zvikoro zvendege zvinopa masevhisi ekubatanidza chikwereti zvinopa kuchinjika kwakanyanya. Kupa muenzaniso, zvimwe zvikoro zvinopa Chikwereti Copilot mapurogiramu anoenderana newe neakanakisa ekukweretesa sarudzo zvichienderana nechikwereti chako.
Kuvaka Chikwereti Uchiri Kutsvaga Yako Pilot Hope
Kukweretwa kwako kunoita basa rakakosha mukuchengetedza mari iri nani yekudzidzira ndege, kunyanya kana uchitarisa zvikwereti zvine chikwereti chakashata. Iyo irinani mbiri yechikwereti inogona kukanganisa zvakanyanya mikana yako yekukwereta uye kukubatsira kuchengetedza mibairo yakaderera.
Nzira dzekuvandudza chikwereti kune vanoda vatyairi vendege
Chikwereti chako chine zvikamu zvishanu zvakakosha: nhoroondo yekubhadhara (35%), mari inokweretwa (30%), kureba kwenhoroondo yechikwereti (15%), musanganiswa wechikwereti (10%), uye kiredhiti nyowani (10%). Heano matanho akakosha ekuwedzera mikana yako yekukodzera kukwereta nechikwereti chisina kunaka:
-Tora yako yemahara mishumo yechikwereti kubva kune ese matatu ma bureau gore negore
-Tarisa uye kupokana zvikanganiso nechikwereti bureaus mukati memazuva makumi matatu
-Chengetedza zviyero zvekadhi rechikwereti pasi pe30% yemiganhu yavo
-Bvisa chero zvakaunganidzwa zvakasara
-Usanyorera mitsetse mitsva yechikwereti kamwechete
Nguva yekudzorera chikwereti
Nzira yekuvandudza chikwereti inotora nguva apo iwe unoda mari yekudzidzira ndege. Mazhinji ekuvandudza kiredhiti anotora 6-12 mwedzi kuratidza mune yako mamaki. Heinoi inoshanda nguva yakatarwa:
1.Kutanga 30 mazuva: Ongorora kiredhiti mishumo uye kukakavara zvikanganiso
2.60-90 mazuva: Bvisa kuunganidzwa uye kuderedza zviyero zvakakwirira
3.3-6 mwedzi: Vaka yakasimba kubhadhara nhoroondo
Mwedzi 4.6-12: Gadzira maitiro akanaka echikwereti
Kushanda nemazano echikwereti
Nhungamiro yehunyanzvi inogona kuve nzira yakanaka yekuwana rubatsiro nechikwereti chakashata. Kupa muenzaniso, Sallie Mae anopa emahara kiredhiti kuraira masevhisi anokubatsira iwe kuita zvine hungwaru kukwereta uye kutonga kwemari sarudzo. Chikwata chavo chinogona kubatsira ne:
Kunzwisisa Sarudzo Dzako: Vanopa kiredhiti vanopa mazano vanokubatsira iwe kuwana dzakasiyana siyana dzechikwereti uchigadzira nzira dzekuvandudza chikwereti chako. Nyanzvi idzi dzinogona kugadzira hurongwa hwemari hwakasimba hunoenzanisa mitengo yako yekudzidzira ndege nezvinangwa zvekuvandudza kiredhiti.
Strategic Kuronga: Mazano echikwereti anokutungamira kuti uchengetedze kushandiswa kwechikwereti pazasi 9% kune zvakanakisa mhedzisiro paunenge uchinyorera zvikwereti. Ivo vachakubatsira iwe kuvandudza chikwereti chako uchidzidzira kudzidziswa kwekutyaira, kuti iwe ugone kuzadzisa zvese zvinangwa pamwe chete.
Ziva kuti tsika dzakanaka dzechikwereti dzakakosha paunenge uchitsvaga zvikwereti nechikwereti chakashata. Kunonoka kubhadhara kwakashumwa kune kiredhiti bureaus kunogona kukuvadza zvibodzwa zvako zvakanyanya. Kumisikidza kubhadhara otomatiki kunobatsira kuve nechokwadi chekuenderana uye kuchengetedza chikwereti chako paunenge uchitarisa pakudzidziswa kwendege.
Strategic Financing Approaches
Kuronga kwakangwara uye manejimendi ezvekushandisa zvinobatsira mari yako yekudzidzira ndege. Iwe unoda zano rakazara rinosanganisa akawanda emari masosi uye inogadzirisa mitengo zvakanaka kana iwe uchitarisa pa online zvikwereti zvechikwereti chakashata.
Kubatanidza akawanda mari masosi
Vatyairi vezvikepe vanowanzoda kupinda mune akati wandei mari. Iyo Flex Air Pilot Pathway chirongwa chinoratidza kuti dzakasiyana sarudzo dzemari dzinoita kuti kudzidziswa kwendege kuvepo. Hedzino sarudzo dzako dzemari:
-Federal zvikwereti zvevadzidzi uye zvikwereti zvevadzidzi zvakazvimiririra
-Zvikwereti zvepamhepo zvechikwereti chakashata
-Flight training scholarships
-AOPA inochinjika mari
-Career training loans
-Private zvemari institution zvikwereti
-Credit mubatanidzwa zvinopihwa
Pro Tip: Mazhinji masomo anoramba asina kutaurwa gore rega rega nekuti hapana anoshanda. Unogona kucheka chikwereti chako zvakanyanya nekusanganisa zvikwereti zvepamhepo zvechikwereti chakashata nemaapplication ekufunda.
Phased training approach yekugadzirisa mari
Mari yako inoramba ichidzora kana iwe ukaputsa kudzidziswa kuita zvikamu zvinogoneka. Heano matanho akakosha erwendo rwako rwekudzidzira:
1.Tanga nePrivate Pilot License (PPL) kudzidziswa
2.Shanda chikamu-nguva mundege paunenge uchivaka maawa
3.Pedzisa zvitupa zvepamusoro muzvikamu
4.Shandisa zvirongwa zvekubhadhara chikoro chendege
Iyi nzira inokubvumira kuparadzira mari nekufamba kwenguva uye kuwana ruzivo rwakakosha. Zvikoro zvendege zvinonzwisisa matambudziko aya uye zvinopa sarudzo dzemari kubatsira vadzidzi.
Kugadzira chirongwa chemari chakasimba
Zano rako rezvemari rinoda zvinopfuura zvikwereti zvepamhepo zvechikwereti chakashata. Vanopa mazano ebasa vanobatsira kuvaka bhajeti remunhu rinoenderana nezvinangwa zvako zvekubhururuka. Hurongwa hwako hwemari hunofanirwa kutarisa pazvinhu izvi:
Kuronga Kwenguva pfupi: Zvirongwa zvekubhadhara chikoro chendege zvinoshanda nemazvo nezvikwereti zvepamhepo zvechikwereti chakashata kubata mari yekudzidzira nekukurumidza. Zvikoro zvinopa sarudzo dzinochinjika dzekubhadhara dzinoparadzira tuition nekufamba kwenguva.
Yenguva refu Strategy: Sarudzo dzakangwara dzinogona kuderedza mari yako. Kupa muenzaniso, vamwe vadzidzi vanochengeta mari nekupedza chikoro chepasi vari vega kudzidziswa kwendege kusati kwatanga. Vamwe vanoshanda panhandare dzendege kana zvikoro zvendege kuti vawane ruzivo uye vabvise mari.
Kudzivirirwa Kwemari: Enzanisa mitengo kubva kune vakawanda vanokweretesa usati wapedzisa chero zvikwereti. Vamwe vanokweretesa vanopa zvikwereti zvendege zvine zvirevo zviri nani pane zvechinyakare zvikwereti zvepamhepo zvechikwereti chakashata.
Ziva kuti zvikoro zvendege zvine varairidzi vemabasa avo vanopa zvikumbiro zvekudzidziswa nemunhu nemitengo yese yechikoro. Aya mazano anokubatsira kuti unzwisise mari yako yese uye kuronga zvirinani.
Eco-hushamwari zvikwereti uye zvakasvibirira mari sarudzo zvinogona kukupa mazwi ari nani. Idzi nzira nyowani dzekupa mari dzinowanzokupa mubayiro kana iwe uchinge warova chaiwo nhanho dzekudzidzisa kana zvinangwa zvekusimudzira.
Kubudirira Nhau uye Nyaya Dzidzo
Nhau dzebudiriro mumari yekubhururuka nendege dzinoratidza kuti kutsunga uye kuronga kwakangwara kunobatsira kukunda matambudziko echikwereti kuzadzisa zviroto zvemutyairi. Ngatitarisei kuti vatyairi vendege chaivo vakawana sei nzira yavo kuburikidza nezvipingaidzo zvemari vachishandisa zvikwereti zvepamhepo zvechikwereti chakashata uye mamwe magadzirirwo ekugadzira.
Vatyairi vechokwadi vakakunda matambudziko echikwereti
Nyaya yaSarah semutyairi wendege yezvokutengeserana yakatanga nemari shoma uye yakapikisa chikwereti. "Ndakachengeta mari yakawanda uye ndakararama zvisina kusimba kwemakore matatu kuitira kuti ndigokwanisa kuikanda mundege ndisina kuenda kune iyo yakaipa". Akabatanidza zvikwereti zvepamhepo zvechikwereti chakashata nehunyanzvi hwekuchengetedza hukasha.
Nyaya yaMichael inoratidza kuti inokurudzira zvakafanana. Akapedza kudzidziswa kwake kuburikidza nemabhezari uye nehunyanzvi hwemari. "Ndakashanda nesimba kuti ndinyore kune ese mabhezari andaigona uye ndakawana yakazara tuition scholarship". Akadzidza kuti mabhezari mazhinji anoramba asina kutorwa, izvo zvinowedzera mikana yevanoita basa rekunyorera.
Zvidzidzo zvakadzidzwa kubva kunzira dzakabudirira dzekupa mari
Vatyairi vendege vakabudirira vanogovera aya mazano akakosha ekugadzirisa mitengo yekudzidzira ndege:
-Nyorera kuwanda kwekufunda - nhamba dzinoratidza vazhinji vanoenda vasina kutorwa
-Batanidza zvikwereti zvepamhepo zvechikwereti chakashata nekuchengetedza wega
-Rarama zvisina mwero panguva yekudzidziswa kuti uwedzere mari iripo
-Tora chikamu-nguva yebasa rendege paunenge uchidzidzira
-Shandisa zvirongwa zvekubhadhara zvinochinjika kubva kuzvikoro zvekubhururuka
Mumwe mutyairi anogovera, "Ndakapira makore mashoma ehukuru uye mihoro, asi ndakawana chengetedzo yechikwereti chidiki". Izvi zvinoratidza kuronga kwakangwara nezvikwereti zvepamhepo zvechikwereti chakashata zvinotungamira mukugadzikana kwemari kwenguva refu.
Mazano kubva kundege school financial advisors
Nyanzvi dzezvemari pazvikoro zvinotungamira ndege dzinopa zano nhanho-nhanho kana uchishandisa zvikwereti zvepamhepo zvechikwereti chakashata:
1.Tanga nendege yekutanga kuti usimbise chido chako
2.Shanda pakuvandudza zvibodzwa zvechikwereti uchichengetedza mari yekutanga
3.Tarisa mune cosigner sarudzo dzemari dzechikwereti dziri nani
4.Check out nyanzvi dzendege dzinokweretesa seStratus Financial
5.Tarisa kupfuura zvakajairwa zvibodzwa zvezvikwereti zvendege
"Mari yako ndeyako pachako," inodaro Flex Air vapangamazano vezvemari, "saka enzanisa mutengo wekudzidziswa uye mubereko wechikwereti kune unogona kuwana". Zvikwereti zvepamhepo zvechikwereti chakashata kuburikidza neStratus Financial zvinouya nemabhenefiti akasiyana:
-Hapana miganho yepamusoro yechikwereti yekuvhara yakazara yekudzidziswa
-Kubhadhara mari yekugara uye pekugara
-12-mwedzi yekubhadhara yekubhadhara sarudzo
-Zero zvirango zvekutanga kubhadhara chikwereti
Pro Tip: "Unogona kutenga chero chinhu kana ukachengeta, bhajeti uye kushandisa zvakakodzera". Iyi pfungwa inobatsira vatyairi vendege vakabudirira kutungamira nzira yavo yekudzidzira vachishandisa zvikwereti zvepamhepo zvechikwereti chakashata.
Ziva kuti nepo zvikwereti zvepamhepo zvechikwereti chakashata zvichipa mari yakakosha, vatyairi vanobudirira vanowanzo sanganisa nzira dzakawanda dzekupa mari. Mumwe murairidzi wendege anozvitaura zvakanaka achiti: “Gara uchibata mumwe munhu uye tsvaga rubatsiro nekuti uchaona muindasitiri ino kuti vanhu vakawanda vanoda kukubatsira”.
mhedziso
Zvipingamupinyi zvechikwereti hazvifanire kukumisa kubva pakuva mutyairi wendege. Zvikwereti zvakaipa zvechikwereti zviripo online zvakabatsira vazhinji vanofarira zvendege kuzadzisa zviroto zvavo. Kuronga kwemari kwakangwara uye manejimendi kunogona kukubatsira kuchengetedza mari yekudzidzira uchivandudza chikwereti chako.
Nhau dzebudiriro yehupenyu chaidzo dzinoratidza kuti kusanganisa zvikwereti izvi nemabhezari, zvirongwa zvekubhadhara, uye mari yekuchengetera munhu zvinogadzira hwaro hwakasimba hwemari. Vazhinji vatyairi vendege vakabudirira vakatanga sewe - vakatarisana nematambudziko echikwereti asi havana kukanda mapfumo pasi pazviroto zvavo zvekubhururuka.
Kugona kwako semutyairi wendege kunoenda kure kupfuura zvibodzwa zvechikwereti. Nyanzvi dzendege dzinokweretesa uye dzechinyakare dzepamhepo vanokweretesa vanopa nzira dzakawanda dzekubhadhara kudzidziswa kwako. Iwe unogona kushanda pakuvaka kiredhiti iri nani iwe uchitsvaga nzira dzemari dzinoenderana nezvido zvako. Kutsunga kwako kuwana mapapiro iwayo kunonyanya kukosha.
Vamwe vatyairi vendege vanoda kukubatsira kuti ubudirire. Tsvagiridzo chaiyo, kunyatsoronga, uye kuzvipira kune zvese kudzidziswa uye nemari zvinoshandura zviroto zvako zvemutyairi kuita chokwadi. Dzakasiyana nzira dzekupa mari, kusanganisira dzakaipa zvikwereti zvechikwereti, dzinogona kufambisa nzira yako kuenda kujongwe.
Taura ne Florida Flyers Flight Academy Team nhasi pa (904) 209-3510 kuti udzidze zvakawanda nezvekubhadharira chikoro chendege.
