Tsvagiridzo inoratidza kuti zvikwereti zvevadzidzi uye zvikwereti zvawedzera kusvika padanho rechikwereti chenyika. Sezvo vadzidzi vanotarisana nekuomerwa mukubata zvikwereti izvi nenguva. Kuda chirongwa chekugadzirisa chikwereti chemudzidzi chinogona kuvabatsira kubhadhara chikwereti chavo nekukurumidza. Iwo echinyakare chidimbu chezano nezve manejimendi echikwereti chinosanganisira kuita hurongwa hwebhajeti, kudzoreredza mari, kuongorora nguva yenyasha, uye kubhadhara zvikwereti zvine mubereko mukuru kutanga, nezvimwe.
Mukupesana neizvi zvidimbu zvezano zvechinyakare, isu tiri pano nedzimwe nzira dzekunze dzekugadzirisa chikwereti chemudzidzi. Kana iwe uri mudzidzi uye uchitsvaga nzira dzakasiyana dzekubata chikwereti chako chedzidzo saka chinyorwa ichi ndechako.
Izvo zvakakoshawo kutaura kuti vadzidzi vasina mari yekunyoresa muchikoro vanorairwa kuti vatarise mikana inowanikwa yekufunda kubvira kudzidza mari inogona kubatsira vadzidzi kuti vasapinda muchikwereti pavanenge vachidzidza.
Ramba uchiverenga kuti uzive zvese nezvezvirongwa izvi.
Zviri Mukati
3 Mazano KuMudzidzi Chikwereti Kutarisira Kune Mutoro-isina Dzidzo
1. Kubatanidza Chikwereti
Consolidation chikwereti chiito chekutora chikwereti chimwe chete kubhadhara zvikwereti zvakawanda zviri pamusoro wako. Chikwereti ichi chinouya nematemu ekubhadhara ari nyore, mibairo shoma, uye mari yakaderera pamwedzi. Isai zvikamu zvose mune imwe chete.
Kana iwe uri mudzidzi ane mufananidzo wakanaka wekubhadhara mari yako nenguva kana munhu ane kiredhiti yakanaka mamakisi, kunyorera kubatanidzwa kwechikwereti kuri nyore kwauri.
Kuve mudzidzi asina chero chivako muzita rake, unogona kuenda kune isina kuchengetedzwa chikwereti chekubatanidza. Nzira yekubata nayo chikwereti chako zvine hungwaru.
2. Declare Bankruptcy
Kuzivisa kubhuroka ndiyo imwe nzira inoshanda yekubvisa chikwereti chemudzidzi. Izvi zvinoreva kuti hauna nzira dzekubhadhara chikwereti chako. Kuratidza izvo zvinoita kuti chikwereti chako chisavepo.
Zvakadaro, sarudzo iyi inoshandiswa zvakanyanya kana vadzidzi vabuda mune imwe nzira sezvikwereti zvevadzidzi vemubatanidzwa, nezvimwewo. Kana zvisina kudaro zvinogona kunetsa kuti uratidze kubhuroka. Kuzviratidza kuti uri mudambudziko remari rakamwe kamwe kunonziwo kuomerwa zvisina kufanira.
Mamwe matambudziko ane chekuita nehurongwa hwekutarisira zvikwereti arikupfuura nemiyedzo yakaoma yemari seyeyedzo yeBrunner uye kuunganidza humbowo. Uyezve, kunyangwe mushure mekushandisa imwe, yako nhoroondo yezvemari achakanganiswa.
Naizvozvo, kubhuroka uye chikwereti chemudzidzi haifanirwe kuuya pamwe chete kusvika watopa dzimwe nzira dzekubvisa zvikwereti zvemudzidzi.
3. Defer Payments
Deferment ndiyo imwe mhinduro inoshanda kune chikwereti chemudzidzi. Kana usingashande saka unogona kukumbira mukweretesi kuti ambomira kubhadhara iwe.
Vachakurerutsira nekukupa nguva yekuregeredza, nguva yausingazobhadhara mubereko kana kubhadhara mukuru wechikwereti.
Kana Watora chikwereti chemubatanidzwa, zvaunofarira zvichabhadharwa nehurumende yemubatanidzwa. Kukusunungura kubva pamutoro wechikwereti kusvika pamwero mukuru.
Nguva yedeferment yakatarwa nechibvumirano pakati pemapato maviri inosiyana kubva pamunhu nemunhu. Kuvadzidzi, kazhinji iri pakati pegore rimwe kusvika kumatatu. Saka, nzira inoshanda yekurerutsa chikwereti chemudzidzi kusvika pamwero wakawanda.
Vadzidzi ndivo musimboti wenyika, hurumende inofanirwa kuvaita kuti vasaremerwe nekuita marongero ari nyore kuvabvumira kubata zvikwereti zvevadzidzi nenguva.
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