Nei Chikwereti Chekudzidzisa Ndege Chingave Chiri Nzira Yako Inokurumidza Kuenda KuCockpit

Munhu asina kusaina chikwereti anogona kukuvharira chikwereti chine nguva dzinowedzera nguva yako yekudzidzira nemakore. Vatyairi vazhinji vanoona izvi mushure mekusaina, apo muripo wepamwedzi unodya bhajeti rekuongorora kunotevera.

Zano rekuti, tora munhu anosaina chikwereti chekudzidzira ndege kana chikwereti chako chiri chidiki, rinoona sarudzo yacho sebhokisi rekutarisa. Hazvisizvo. Munhu anosaina chikwereti chaunosarudza ndiye anosarudza mubereko wako, mari yakawanda yechikwereti, uye kuti unosvika sei pachigaro chemutyairi wendege chinobhadhara. Sarudza zvisina kunaka uye haungobvumirwi chete nemamiriro ezvinhu asina kunaka. Unenge wava kuomerera pazviri.

Chinyorwa chino chinoratidza maitiro ekuongorora munhu anosaina chikwereti semaitirwo anoita mukweretesi, maitiro ekuronga kusunungurwa, uye maitiro ekuchengetedza hukama. Chinangwa ndechekuva nehwaro hwemari hunokurudzira basa rako.

Zvinonyatsoita Mushandi weCosigner paChikwereti Chako

Munhu anosaina chikwereti chekudzidzira ndege munhu anovimbisa zviri pamutemo kuti achabhadhara chikwereti kana munhu anokwereta akatadza kubhadhara chikwereti. Chisungo ichocho chepamutemo chinoumba zvimwe zvinhu zvese zvechikwereti, kubva pamubereko kusvika pamari yaunogona kukwereta. Mukweretesi anoongorora nhoroondo yechikwereti chemunhu anosaina chikwereti nemari yaanowana senzira huru yekuongorora njodzi, kwete faira diki remudzidzi.

Vatungamiriri vazhinji vanoona izvi senzira iri nyore yekugadzirisa zvikwereti. Hazvina kudaro. Nhoroondo yemari yemubatsiri wechikwereti ndiyo inosarudza kana uchitenderwa zvachose uye kuti mutengo wacho unorevei. Private ndege yechikoro Vanokweretesa vanowanzoda chikwereti chakanaka kana munhu anosaina chikwereti pamwe chete, kunyange hazvo vamwe vanokweretesa vachipa sarudzo shoma dzisina munhu anosaina chikwereti pamwe chete. Vadzidzi vanonyorera kune vanosaina chikwereti pamwe chete vanowanzowana mubereko wakaderera uye vanogona kubhadhara chikamu chikuru chemari yechikoro.

Mabhenefiti acho ndeechokwadi. Munhu ane simba rekusaina chikwereti anovhura mari yechikwereti inobhadhara mari yese yepurogiramu. Mari shoma inobhadharwa pamwedzi inosiya mukana wekubhadhara mari yekutarisa, kuvandudza mahedhifoni, uye mhando yechirongwa mushure mekubvumidzwa kwebhizinesi. Pasina buffer iyoyo, vadzidzi vazhinji vanomira pakati pemareti.

Usati wakumbira mumwe munhu kuti asayine, nzwisisa kukosha kwechikumbiro ichocho. Munhu anosaina anenge ari panjodzi yekusaita zvakawanda kana kudzidziswa kukapera. Ndosaka kusarudza munhu akakodzera anosainawo basa kuchikosha kupfuura kuwana munhu anotsigira basa racho. Hukama hunofanira kuramba huripo mushure mekunetseka kwemari kwechikwereti chemakore akawanda.

Musiyano uripo pakati pemunyoreri ane chibodzwa che720 neane chibodzwa che680 hausi mukana wekubvumidzwa chete. Musiyano wemitengo unowedzera kusvika kuzviuru zvemadhora mukati menguva yechikwereti chemakore mashanu. Musiyano iwoyo unoratidza kana mudzidzi achipedza kudzidza aine muripo unokwanisika kana kuti unomumanikidza kunonoka kuyera mubairo wezviridzwa.

Zvirongwa zvemari zvekutanga zvakaita sezviri kupihwa kuburikidza neAOPA kana sangano reSallie Mae rekukweretesa ndege zvinoratidza izvi zvakajeka. Munhu anosaina pamwe chete ane chikwereti chakasimba uye chiyero chidiki chechikwereti-kune-mari inowanikwa anogona kuderedza chiyero chegore negore nemapoinzi matatu kusvika mashanu. Ndiwo mutsauko uripo pakati pemari inobhadharwa pamwedzi yemadhora mazana matanhatu nemadhora mazana manomwe nemakumi mashanu ($750) pachikwereti chemadhora zviuru makumi matanhatu ($60,000).

Chiyero cheCredit Score icho vazhinji vanokweretesa havangakuudzire

Mubvunzo unowanikwa muforamu yega yega yechikoro chendege: mubereki ane mamaki echikwereti mazana matanhatu anogona here kusaina chikwereti chekudzidziswa? Mhinduro yacho inenge isiri yechokwadi. Vanokweretesa vanopa rubatsiro kune anosaina, kwete mudzidzi, uye njodzi yekuti zviratidzo zve600 mamakisi hazvizonzwisisike.

Hechino chinhu chisingaitwe nevanokweretesa. Vanoda munhu anosaina pamwe chete ane mamaki e680 kana kupfuura. Pasi pemuganho iwoyo, masvomhu anochinja zvichienderana newe. Chikwereti chingangobvumidzwa, asi mubereko unokwira zvakanyanya zvekuti unorema bhajeti yako yemwedzi nemwedzi kwemakore.

Chibodzwa chemubatsiri ndicho chiyero chengozi imwe chete chinoongororwa nemukweretesi. Chibodzwa chidiki chinoreva kuti mukweretesi anoona mukana wepamusoro wekutadza kubhadhara chikwereti. Maonero iwayo anoshandura zvakananga muhuwandu hwechikwereti kana kuramba chikwereti zvachose. Sarudzo dzezvikwereti zvekudzidzira ndege kupfupika nekukurumidza kana chimiro chemusaini chisina kusimba.

Tarisa chikwereti chemunyoreri usati wanyorera. Kubvunza kwakasimba paprofile yemuganhu kunogona kuderedza mamakisi zvakanyanya, zvichikuvharira zvachose. Kana mamakisi ari pasi pe680, danho rakangwara nderekumirira. Batsira munyoreri wemunyoreri kubhadhara mari yasara yekadhi rechikwereti kana kugadzirisa mari yawakaunganidza. Mwedzi mitatu yekuvandudza inogona kuvhura mikana yekuti chikumbiro chako chivharwe nekukurumidza.

Musiyano uri pakati pe600 ne680 hausi chete mapoinzi ari pamushumo. Musiyano uripo pakati pechikwereti chinopa mari yekudzidziswa kwako nechikwereti chisingambofi chakavharwa. Musiyano iwoyo wakakodzera kuvharwa usati wasaina chero chinhu.

Chibodzwa che680 hachisi chega. Ndiwo muganho apo mitengo yekusabhadhara chikwereti inoderera zvakanyanya pakukweretesa kwevatengi. Vanokweretesa vanoziva izvi. Vanoisa mutengo wechikwereti chega chega zvichienderana nechiyero ichocho, uye mumwe munhu anosaina chikwereti ari pasi pacho anobhadhara mutongo wacho.

Tarisa cheki yechikwereti mahara uchishandisa sevhisi yakaita seCredit Karma usati wasvika kune chero anokweretesa. Munhu anosaina chikwereti asina kutarisa mamakisi ake kwemwedzi yakawanda anogona kuwana kushamisika, bhiri rekurapwa rakakanganikwa, kadhi raaifunga kuti rakavharwa. Gadzirisa izvozvo usati waisa chikumbiro chimwe chete.

Maitiro Ekusarudza Cosigner Akakodzera Yekudzidzira Ndege

Havasi vese vanosaina pamwe chete vakaenzana. Munhu asiri iye anogona kukuvharira muzvirango zvekubhadhara zvinononotsa kuverengwa kwese kunotevera. Munhu akakodzera anova mubatsiri ane hungwaru mubasa rako.

Step 1. Ongorora mamakisi avo echikwereti usati wakurukura nezvechikwereti. Mamakisi ari pamusoro pe700 anovhura mitengo yakanakisa uye huwandu hwechikwereti hwakanyanya. Chero chipi zvacho chiri pasi pemuganho iwoyo zvinoreva kuti uri kusiya mari patafura mwedzi wega wega.

Step 2. Tarisa chiyero chavo chechikwereti nemari yavanowana, kwete chete chibodzwa chavo chechikwereti. Vanokweretesa vanoongorora kana munhu anosaina chikwereti pamwe chete anogona kugamuchira mari yaanobhadhara pamwedzi kana ukasangana nematambudziko. Munhu anosaina chikwereti pamwe chete ane DTI yakakwira anoratidza njodzi kumukweretesi, kunyangwe aine chibodzwa chakasimba chechikwereti.

Step 3. Simbisa kuti vanoda kuramba vachibatanidzwa kwenguva yakazara yechikwereti. Kusunungurwa kwemunyoreri wechikwereti kunogoneka, asi hazviitiki ipapo ipapo, vazhinji vanokweretesa vanoda kubhadharwa ka12 kusvika ku24 panguva vasati vatombofunga nezvazvo. Munyoreri wechikwereti wechikwereti anotarisira kubuda mumwedzi mitanhatu haana kuenzana.

Step 4. Itai hurukuro yechokwadi nezvenyaya yakaipisisa. Kurukurai zvinoitika kana mukarasikirwa negwaro renyu rekurapa kana kuti mukakundikana. Hukama hwenyu hunofanira kurarama nekunetseka kwemari, uye izvozvo zvinotanga nekuziva zvichaitwa nemunhu wese kana zvinhu zvikasafamba zvakanaka.

Step 5. Tanga fomu rekunyorera pamwe chete nemukweretesi anopa cheki yekutanga yekubvumidzwa. Izvi zvinokupa fungidziro chaiyo yemitengo pasina kudzvanya mafaira ese echikwereti. Zvinoratidzawo kana chimiro chemunyoreri wacho chichivandudza mamiriro ako kana kuti chinongokubvumira kuti ubvumidzwe nemutengo wakakwira.

Munhu akakodzera kusaina chibvumirano anoita zvinopfuura kungovhura mvumo. Vanoita kuti nguva yako yekudzidzira ikurumidze uye mutengo wako wese wakaderera. Kusarudza zvisina kunaka zvinoreva hukama hwakakanganisika kana chikwereti chinodya bhajeti yako yerating inotevera. zvikwereti zvakanakisisa zvekudzidzira kubhururuka Tanga nehurukuro yakakodzera yemumwe munhu anosaina usati wasaina chero mapepa.

Kuburitswa kweCosigner: Paunogona Kuenda Uri Wega

Kusunungurwa kweCosigner ndiyo nguva iyo cosigner wako wekudzidzira ndege anorega kuva nemhosva yepamutemo yechikwereti chako. Vadzidzi vazhinji vanofunga kuti izvi zvinoitika otomatiki mushure mekubhadhara kashoma. Hazviiti.

Maitiro ekuburitsa chikwereti anoda fomu rekunyorera, uye zvinodiwa zvacho zvakananga. Vanokweretesa vanoda humbowo hwekuti unogona kubhadhara chikwereti uri wega vasati vabvisa zita remusaini wechibvumirano.

Kubhadhara Panguva Yakakodzera Kuvaka Hwaro

Chinodiwa chekutanga kubhadhara panguva yakatarwa. Vazhinji vanokweretesa vanotarisira pakati pemwedzi gumi nemiviri kusvika makumi maviri nemana yekubhadhara mari isati yabhadharwa vasati vatomboongorora chikumbiro chekusunungurwa. Kubhadhara kamwe chete panguva iyi kunogadzirisa nguva.

Zviyero zveMari Zvinoratidza Kugutsikana

Vanokweretesa vanofanira kuona kuti mari yako chete inogona kufukidza muripo wepamwedzi. Izvi zvinoreva kupa mapepa ekubhadhara achangobva kuitwa, mafomu emitero, kana tsamba yekupa basa inoratidza mari inogarowanikwa. Mudzidzi anoshanda nguva pfupi ari kudzidziswa angangoda kumirira kusvika awana basa renguva yakazara asati anyorera basa.

Zvinodiwa zveChikwereti Hazvigone Kukurukurwa

Chikwereti chako chinofanira kusangana nezvinodiwa nemukweretesi, kazhinji zvinopfuura 650. Chibodzwa chiri pasi pechiyero ichi chinoreva kuti munhu anosaina chikwereti acharamba ari pachikwereti, pasinei nenhoroondo yako yekubhadhara. Tarisa mamaki ako usati watumira chikumbiro chekuburitsa gwaro kuti usabvunze mibvunzo yakaoma isina basa.

Maitiro Ekunyorera Zvakarongeka

Kuburitswa kwechikwereti hakuitiki otomatiki. Unofanira kutumira chikumbiro chepamutemo kuburikidza ne portal yemukweretesi kana netsamba. Mukweretesi anoongorora nhoroondo yako yechikwereti, mari yaunowana, uye yekubhadhara usati waita sarudzo. Kubvumidzwa kunogona kutora mavhiki akati wandei.

Ronga nguva iyi paunenge mari yekudzidziswa kwakoKuburitswa kwemubvumirano wechikwereti chimwe chete chinhu chakakosha, kwete vimbiso. Chinangwa ndechekuvaka nhoroondo yemari inoita kuti mukwereti asununguke kubvisa zita remubvumirano wechikwereti zvachose. Vamwe vanokweretesa vanopa gwara rakajeka rekusunungurwa kupfuura vamwe. Zvikwereti zvechikoro chendege zvaSallie Mae inopa maitiro akarongeka ekusunungura chikwereti, asi mitemo yacho inosiyana zvichienderana nemukweretesi uye chigadzirwa chechikwereti.

Chii Chinoitika Kana Mari yeMubatsiri Ikachinja

Munhu anosaina chikwereti chekudzidzira ndege haasi mubatsiri wezvemari asingachinji. Mamiriro avo ezvinhu anogona kuchinja zvakanyanya mumakore auri kubhadhara. Kunzwisisa kuti vanokweretesa vanopindura sei kune shanduko idzodzo kunosarudza kana uchikurumidza kusunungurwa kana kuti kumira muchikwereti chimwe chete. Muenzaniso A unosvika pasina yambiro. Munhu anosaina chikwereti anorasikirwa nebasa kana kutora chikwereti chitsva. Kushandiswa kwavo kwechikwereti kunowedzera uye mari yavo inowanikwa inoderera.

Mukweretesi haagadzirise nguva yechikwereti pakati pemwedzi. Vachiri kutarisira kuti mukweretesi wechikwereti ave nemhosva yechikwereti chose. Asi hechino chinhu chakakosha: zvinodiwa nemukweretesi zvinotarisa nhoroondo yekubhadhara kwako, kwete mamiriro ezvinhu emukweretesi wechikwereti. Kana wakabhadhara nguva nenguva, nhoroondo iyoyo ndiyo inova chinhu chikuru. Kuderera kwemari yemukweretesi wechikwereti hakudzorere kufambira mberi kwako pakuva muridzi wega.

Izvi zvinovhura mukana usingakwanise kupihwa nechikwereti chekutanga. Unogona kubhadhara chikwereti chako uchishandisa chimiro chakagadziridzwa chemunyoreri. Munyoreri akasimba anokutendera kuti utaure nemukweretesi mutsva nefomu riri nani. Hauna kuomerwa nemitemo yawakasaina pakutanga. Kubhadhara chikwereti chako chechikoro chendege Nemunhu ane simba rekusaina chikwereti, zvinogona kupfupisa nguva yekubhadhara chikwereti uye kuderedza mubereko wese unobhadharwa.

Munhu anokunda mukuenzanisa uku anoenderana zvachose nekuenderana kwemari yaunobhadhara. Kana ukaita muripo wega wega nenguva, kudzikira kwemari kwemubatsiri hakuvharidzi nzira yako yekusunungurwa. Kana chikwereti chavo chikavandudzika, unowana mukana wekubhadharazve mari. Kuchinja kwemari kwemubatsiri wechikwereti kunokosha chete kana muripo wako uchimubvumidza.

Nei Vamwe Vadzidzi Vasingambodi Munhu Anoshanda Naye Pamwe Chete?

Kufungidzira kuti mudzidzi wese anoda munhu anomunyorera chikwereti hakusi iko kwakarurama. Vamwe vanopa zvikwereti vanopa sarudzo dzisina munhu anomunyorera chikwereti kune vanonyorera vane zvikwereti zvakasimba uye mari inoonekwa kuti ndeyechokwadi. Izvi zvinoshandura maverengerwo ese emari.

Mudzidzi ane mamaki echikwereti anopfuura 700 uye basa rakagadzikana anogona kazhinji kusasaina zvachose. Kuchinjana kuri nyore: mubereko wakakwira kuti uwane rusununguko rwakazara. Hapana njodzi yehukama. Hapana hurukuro dzinonyadzisa kana muripo wepamwedzi wasvika.

Mubvunzo chaiwo ndewekuti mudzidzi anogona here kubhadhara mari yakawanda kudaro. Chikwereti chisina kusaina chinowanzova neAPR yakakwira pane inotsigirwa neanotsigira a ...

Kutanga nekugadzira chikwereti ndiyo imwe nzira. Gore rekushandisa makadhi echikwereti zvine hungwaru uye kubhadhara panguva yakakodzera zvinogona kuwedzera mamaki kubva pakati pemakore ekuma600 kusvika pasi pe700s. Danho rimwe chete iroro rinogona kuvhura mamiriro ari nani pasina kubatanidza mumwe munhu. Vamwe vanokweretesa vanopawo ndege mari yechikoro sarudzo yakagadzirirwa vanonyorera vanozadzisa mwero wechikwereti nemari inowanikwa.

Munhu anosainawo haadiwi nguva dzose, asi kuva naye kunogona kuwedzera mikana yekubvumidzwa uye kuvandudza nguva dzechikwereti, sezvakataurwa mu zvinodiwa pakudzidzisa mutyairi nhungamiro. Sarudzo inobva pakuti mudzidzi anokoshesa kuzvimiririra here kana kuti mutengo wakaderera unobvira.

Funga nezvemudzidzi anowana mari yerezinesi rake ega paAPR pane kusaina neanosaina naye. Pachikwereti chemadhora zviuru makumi maviri ($20,000) kwemakore gumi, mutsauko iwoyo unowedzera mubereko wemadhora zviuru zvitatu ($3,000). Mari iyoyo inogona kubhadhara rezinesi remainjini akawanda pane kuyerera ichienda kumukweretesi.

Mutengo Chaiwo weMunhu Asina Simba

Kusarudza munhu anosaina chikwereti chekudzidzira ndege ane chikwereti chisina kusimba chisarudzo chinoramba chichienderera mberi kwenguva refu yechikwereti. Musiyano uripo pakati pemunhu ane chikwereti chakasimba neasina kusimba hausi huwandu hwepfungwa, asi musiyano uripo pakati pebhajeti rekudzidzisa rinosvika pamhando yechiratidzo nerisinganyatso vhara chitupa chega chega.

Musiyano uripo pakati pemusaini ane simba neasina simba imari inosvika zviuru zvemadhora muchikwereti chese panguva yechikwereti. Mari iyi inogona kubhadhara chiyero chezvishandiso kana kuwedzerwa kweinjini dzakawanda. Munhu asina simba rekusaina basa haangowedzeri mari yako yemwedzi wega wega chete, asi anononotsa nguva yako yese yebasa.

Dhora rega rega rinoshandiswa pamubereko idhora risingakwanise kushandiswa kumaawa endege, mari yekutarisa rwendo, kana chitupa chinotevera. Munhu akakodzera kusaina bhajeti rako anoita kuti rishande nesimba. Asiri iye anoita kuti bhajeti rako rishande nesimba. mukana wemuhoro wemutyairi wendege kufunga kwakatevera, chimwe chinhu chaunodzingirira uchiri kubhadhara chisarudzo chekubvuma mamiriro asina kunaka.

Izvi hazvisi zvekufungidzira. Mutyairi wendege akadzidziswa kuburikidza nechirongwa chedunhu aine munyoreri we640-score akabhadhara mari inodarika $30,000 yemubereko mukati menguva yese yechikwereti. Mari iyoyo yaigona kubhadhara chiyero cheinjini dzakawanda kana kuwedzerwa kwezvishandiso zvizere. Munyoreri wechikwata asina simba haangononotsi kubvumidza. Anochinja mari kubva mumaawa ekudzidzira kuti abhadhare mari. Dhora rega rega rinoshandiswa pamubereko idhora risingashandiswi panguva yekubhururuka.

Kufamba Kwako Kunotevera: Tsvaga Cosigner Akakodzera Wotanga Kudzidziswa

Munhu anosaina chikwereti chekudzidzira ndege akakodzera anoita zvinopfuura kungovhura mvumo. Munhu iyeye ndiye anosarudza nzira yekubhadhara mari yerwendo rwako rwese rwekudzidzira, kubva pachidzidzo chekutanga kusvika pakuongororwa kwako kwemainjini akawanda uye zvichienda mberi.

Mwedzi wega wega wekubhadhara mari shoma uri pedyo nekombiki. Dhora rega rega rinochengetwa pamubereko idhora rinowanikwa kune chitupa chinotevera kana mhando yechiratidzo. Munhu asina simba kana chisarudzo chekukurumidzira chinoparadza nzira iyoyo usati watanga.

Ita hurukuro yakaoma izvozvi. Ronga nguva yekusunungurwa, chisungo chemwedzi wega wega, uye hurongwa hwekugadzirisa matambudziko kana muripo ukanyanya kuoma. Chibvumirano chakajeka chinodzivirira hukama uye chinokuisa munzira yakananga kune basa rekutyaira ndege.Kombiki yemutekenyi iri kumirira.