Phatikizani Ngongole Yama kirediti kadi | 4 Zosavuta

Njira zabwino zophatikizira ngongole yapa kirediti kadi zimasiyana pamunthu ndi munthu, kutengera momwe ndalama zilili komanso zomwe amakonda. Kwa ena, njira yabwino yophatikizira ngongole itha kukhala yolipira ndalama zochepa poyamba ndikuwonjezerapo zolipirazo pamalipiro akulu mpaka atalipira. Ena angaganize zosamutsira ndalama ku kirediti kadi kapena kupeza ngongole yothandizana.

Kuphatikiza ndalama mu kirediti kadi kapena kugwiritsa ntchito ngongole zitha kukhala zowopsa chifukwa ngati mukufuna kubwereka ndalama zowonjezera, zitha kukhala zokopa kugwiritsa ntchito imodzi mwama account zero. Ndiye ngongole imakula, ndipo mutha kudzipeza nokha pamavuto azachuma mwachangu.

Komabe, mutha kupewa kupewa kugwa ngongole zisanachitike. Nawa maupangiri oti mukafike kumeneko:

• Sungani ndalama zochepa kuti mupewe chiwongola dzanja chowonjezera ndikulipira ngongole panthawi.
• Palibe vuto kukhala ndi makhadi a kirediti kadi, koma muziwasamalira mosamala. Izi zimasunga mbiri ya lipoti lanu la ngongole. Iwo omwe alibe mbiri ya kirediti kadi amawerengedwa kuti ndiwowopsa kubweza ngongole.
• Pewani kuyendayenda ngongole ndi ngongole yolimbitsa ngongole. M'malo mwake, lipireni.
• Osatsegula makhadi angapo angongole kuti muwonjezere ngongole yanu. Mumakhala pachiwopsezo chopeza ngongole zambiri, zomwe simungathe kulipira.

Ngakhale aliyense amachita khama kugwiritsa ntchito ndalama mwanzeru, nthawi zina mavuto azachuma amabwera chifukwa chotaika ntchito, matenda, chisudzulo, kapena zochitika zina m'moyo.

Ngati mukuvutika kupeza zofunika pamoyo wanu, kambiranani ndi omwe amakongoletsani kapena bungwe lovomerezeka lopanda phindu lomwe limagwira ntchito yolangiza anthu za ngongole kuti akuthandizeni. Chitani izi mwachangu kuti muwone m'mene ngongole yolimbikitsidwira ingathandizire kuthana ndi mavuto azachuma. Mukadikira motere, m'pamenenso mudzakumana ndi mavuto ambiri. Kuphatikiza ngongole nthawi zambiri kumakhala njira yabwino koposa m'malo amenewa, ndipo phungu angakuthandizeni pochita izi.

Izi ndi njira zabwino kwambiri zophatikizira ngongole yapa kirediti kadi

Kuphatikiza ngongole yapa kirediti kadi kwa a chiwongola dzanja chochepa amalola mabanja omwe ali ndi ngongole kuti azilipira zawo ngongole mofulumira ndipo, nthawi yomweyo, perekani chidwi chochepa . Kuchokera pamakhadi osinthira ngongole kubanki yangongole, tiwunikiranso njira zingapo kuti tipeze njira yabwino yobwezera ngongole mwachangu komanso motsika mtengo.

Izi ndi njira zitatu zabwino zophatikizira ngongole yapa kirediti kadi komanso zabwino ndi zoyipa za njira iliyonse.

1. Gwiritsani ntchito khadi la ngongole posamutsa ndalama

Ndizodabwitsa, koma makhadi a kirediti kadi ndi chimodzi mwazida zabwino kophatikiza ndikuchotsa ngongole yapa kirediti kadi. Makhadi ambiri amapangidwa ndi omwe ali ndi ngongole m'makhadi, ndi zotsatsa zomwe zimaphatikizapo chiwongola dzanja cha 0% pamalipiro osunthika kwa miyezi 21.

Pali zinthu ziwiri zofunika kuziganizira mukamasankha ngongole yosamutsira: Kutalika kwa chiwongola dzanja choyambirira cha 0% pamiyeso yosamutsidwa ndi ndalama zolipirira zomwe wochita khadi adapeza.

Omwe amatha kubweza ngongole zawo mwachangu amatha kusankha khadi yomwe ili ndi nyengo ya APR Chiyambi chachidule cha 0% pamasinthidwe amomwe mungasinthire ndalama zolipirira 0%. Ena angaone kuti ndi bwino kulipira ndalama zochepa kuti mutsegule chiwongola dzanja choyambirira cha 0%.

Makhadi atatu otsatirawa adasankhidwa pamndandanda wathu wamakhadi abwino kwambiri osinthira.

Gwero lazidziwitso: otulutsa makhadi.

Pamiyeso yomwe ingathe kulipidwa muzolipira 15 (pafupifupi miyezi 15), Chase Slate ® ndi wopambana wowonekera. Okhala ndi makhadi oyenerera amatha kusamutsa ndalama zawo poyambirira Masiku 60 mutatsegula akaunti , lipirani ndalama zanu mu nthawi ya 0% pa nthawi ya chiwongola dzanja cha 15 motero perekani ngongole yanu yonse popanda kubweza chiwongola dzanja. kapena mitengo.

Kuphweka kwa Citi ® Itha kukhala njira yabwinoko kwa omwe ali ndi makhadi omwe akuyembekezera kubweza ndalama zawo kwakanthawi. Makamaka, khadi limapereka nyengo yoyambira ya 0% yoyambira nthawi yazolipira 21, kapena miyezi pafupifupi 21. Komabe, ndalama zolipirira ndalama zitha kupangitsa kuti zisamapindule kwambiri pamiyeso yomwe imatha kulipidwa mwachangu, popeza ndalama za 3% zitha kuwonjezera $ 150 pa $ 5,000 yoyendetsa bwino. Sikokwanira kulipira chindapusa kwa nthawi yayitali kuti mupereke ndalama ngati simukuzifuna.

Njira yabwino kwambiri ndiyoyambira ndi makhadi omwe alibe ndalama zolipirira, ngakhale atakhala ndi nthawi yayifupi 0% yoyambira. Yambitsani ndi Chase Slate ® Mwachitsanzo, kulipira ngongole zonse momwe zingathere panthawi yoyambira, ndikusunthira zotsalira ku Citi kuphweka ® kumaliza kulipira zotsala zotsala.

Citi Simplicity® ndi Chase Slate® zimangofuna ngongole zabwino zokha .

2. Ganizirani za ngongole yanu

Ngongole yanu imatha kukhala njira yabwino yolumikizirana ndikulipira ngongole ya kirediti kadi, koma ndi njira yodalirika yolipira ngongole kuposa khadi yolipirira ngongole.

Malinga ndi chidziwitso chochokera ku Federal Reserve, chiwongola dzanja chapakati pa ngongole za miyezi 24 chinali chopitilira 10% pachaka mu February. Ndizokwera kwambiri kuposa 0% APR yomwe ikupezeka pazabwino zambiri.

Zachidziwikire, mitengo yotsika imapezeka kwa obwereketsa omwe ali ndi ziwongola dzanja zabwino kwambiri. Mabanki angapo akuwonetsa mitengo yozungulira 5% ya ngongole zanyumba kuyambira miyezi 24 mpaka 36 kwa anthu omwe ali ndi mbiri yabwino. Apanso, ndi yankho, koma ndiokwera mtengo kuposa khadi yosamutsira, ngakhale kwa anthu omwe ali ndi mbiri yabwino. Ndimaimba ngongole yangongole ngati yankho lachiwiri labwino kwambiri ndipo ndiyofunika kuifufuza pokhapokha ngati simungapeze khadi yosamutsira yokwanira yokwanira kutsimikizira momwe ndalama ziliri kale.

3. Gwiritsani ntchito ndalama zanu mnyumba

Ngongole yogulira nyumba itha kugwiritsidwa ntchito kuphatikiza ngongole pamtengo wotsika ndi kubweza kwa zaka zingapo (zaka zisanu mpaka 15, nthawi zina). Monga phindu lina, chiwongola dzanja chomwe mumalipira ngongole yanyumba chingakhale kuchotsera msonkho, chifukwa chotsitsa msonkho wanyumba yanyumba. Obwereketsa oyenerera atha kupeza mitengo yotsika mpaka 4%, yomwe ingatsike mpaka pamtengo wotsika pansi pa 3% pambuyo poti misonkho yalandiridwa.

Koma musanalowe mu chiwongola dzanja chochepa komanso kuti mupeze ngongole yotalikirapo, ganizirani zatsoka. Choyamba, chiwongola dzanja chochepa chimatha kukhala chisangalalo. Muyenera kulipira ndalama zochulukirapo pamalipiro oyambira ndi ndalama zowunikira kuti mupeze ndalama zochepa pamalipiro anyumba, ndikuchotsapo phindu linalake. Kuphatikiza apo, zimatha kutenga milungu ingapo kapena miyezi kuti mumalize kulemba zolembedwazo, pomwe kirediti kadi yobwereketsa kapena yolipira imatha kutsegulidwa ndikukonzekera kugwiritsidwa ntchito masiku angapo, osakwana sabata.

Komanso ngongole yanyumba ndi njira yoopsa modabwitsa yophatikizira ngongole. Ngati mukulephera kulipira kirediti kadi kapena ngongole yangongole, zotsatira zoyipa kwambiri ndi chigamulo cha khothi chomwe chimakukakamizani kuti mufotokozere za bankirapuse. Ngati simulipira ngongole yanyumba, vuto lalikulu kwambiri limakhala loipa kwambiri: kusakhulupirika, kubweza ngongole, ndi kuwononga nyumba yanu kuwonongedwa.

Iyi ndi njira yoopsa yobwerekera, ndipo mitengo yotsika yomwe mabanki amapereka imawonetsa mabanki omwe ali pachiwopsezo chochepa akamalemba ngongole zanyumba. Mabanki amakonda mitundu iyi yobwereketsa chifukwa amadziwa kuti ngati simulipira, atha kutenga nyumba yanu, kukaigulitsa kumsika wowonongekeratu, ndikubwezerani ndalama zambiri, mwina osati zonse. Wobwerekera adzatsala ndi mbiri yowonongeka ndikuyang'ana malo okhala.

Mudatchula ngongole zanyumba chifukwa chongowonetsedwa ngati njira yabwino yophatikizira ngongole, osati chifukwa mukuganiza kuti ndi njira yabwino. Chowonadi ndichakuti, ndimawawona ngati imodzi mwanjira zoyipa kwambiri zowonjezeranso ngongole yapa kirediti kadi chifukwa chiwopsezo chake ndi chachikulu ndipo chifukwa amalimbikitsa kubweza ngongole pangongole pang'onopang'ono pazaka zingapo, zomwe zimapangitsa ndalama zambiri kugwiritsidwa ntchito pa chiwongola dzanja osati chachikulu.

Njira yabwino yophatikizira ngongole ya kirediti kadi

Popeza chiwopsezo chachikulu cha ngongole yanyumba, ndikuganiza kuti ziyenera kuchotsedwa kotheratu ngati njira yowonjezeranso ngongole yapa kirediti kadi. Ubwino wokha womwe ngongole yachiwiri yanyumba yobwereketsa kunyumba ndi nthawi yochulukirapo. Zochepetsazi ndizowonjezera chiwopsezo cha kuwonongedwa, zomwe zingakhale zotchipa kwambiri (kuwunika ndi chindapusa), komanso nthawi yowonjezera ndi mphamvu zomwe zimagwiritsidwa ntchito polemba.

Izi zimasiya ngongole yangongole kapena kusamutsa ndalama ngati njira yabwino kwambiri. Lingaliro langa ndilo Makhadi osinthira 0% ali njira yopita . Njira yoyenera yosamutsira ndalama ndi iyi: tsegulani khadi yosamutsa ngongole bwino pa 0% ndi zolipira zochepa kapena zolipiritsa, sungani ndalama zanu ku khadi ndiyeno sungani makhadi akuthupi kwinakwake komwe sikoyenera kupeza. Bisani ma kirediti kadi akale ndi kuyamba kugwiritsa ntchito ndalama kapena kubweza kuti mugwiritse ntchito bajeti mwezi uliwonse kuti mupewe kuyesayesa kopezera ndalama zatsopano polipira ngongole zakale.

Iwo omwe amafunikira nthawi yochulukirapo kuti athe kulipira ndalama akhoza kuda nkhawa za izi mtsogolo. Palibe kuchepa kwa 0% APR makhadi osinthira omwe angagwiritsidwe ntchito kusamutsa masalimo nthawi yoyambira ya 0% ikatha. Komanso, ngati ngongoleyo ikadzakhala yayikulu kwambiri kuti ingathe kuwongoleredwa, omwe ali ndi makhadi atha kumasulidwa kuti sanaike nyumba yawo pachiswe kuti aphatikize ndalama zomwe ali nazo kapena kuti azikhala ndi chiwongola dzanja chambiri pangongole.

Onjezani pang'ono ndalama zowonjezera pachikwama chanu

Kodi mumadziwa kuti kugwiritsa ntchito makhadi obweza kubweza tsiku lililonse ndi njira imodzi yosavuta yodzazira ndalama zanu ndi ndalama zanu?

Ndizowona . Ndipo kusankha koyamba ndi imodzi mwamakhadi opindulitsa kwambiri omwe tidawona. Nazi zifukwa zina zomwe zili khadi yathu yobweza kwambiri:

• Mutha kupeza ndalama mpaka 5% kubweza
• Ndikosavuta kupeza mtengo wa $ 1,148 (kapena kupitilira apo) ndikulipira $ 0 pamalipiro apachaka
• Mutha kupewa chiwongola dzanja pazogula NDI kusinthitsa ndalama zopitilira chaka chimodzi ndi 0% kuyambira APR

Koma chofunikira kwambiri: ndizosavuta KUZIKONZETSA kuwonjezera ndalama zanu mchaka choyamba.

Zamkatimu

• Izi ndi njira zabwino kwambiri zophatikizira ngongole yapa kirediti kadi
• 1. Gwiritsani ntchito khadi la ngongole posamutsa ndalama
• 2. Ganizirani za ngongole yanu
• 3. Gwiritsani ntchito ndalama zanu mnyumba
• Njira yabwino yophatikizira ngongole ya kirediti kadi
• Onjezerani ndalama pang'ono pachikwama chanu

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• Momwe mungalipire Khadi Lofulumira
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• Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
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