Chii chinonzi Co-signer? Chii Chinofanira Kubatanidza Ko?
A co-signer chikwereti chemabhizimisi ndeye munhu anovimbisa kuti chikwereti chichabhadharwa kana uyo akwereta asina kukwereta pane chikwereti. Mumwe muzvinabhizimisi webhizimisi achitsvaga chikwereti chekutanga-tsvaga anofanira kutsvaga kune vanogona kubatanidza vanyori uye vagadzirire kupa vanyori vabhadharo kana vakabvunzwa nemutengi.
A co-signer anozivikanwawo sechirango chechikwereti. Zvinogona kutaurirwa kuti Small Business Administration chikwereti chinoshandiswa chinoshanda chinangwa che "co-signer" pane zvikwereti zviduku zvebhizimisi.
Chii chinoita kuti mubatanidzi weChina adikanwe mari yechikwereti?
A chikwereti kazhinji inoda kubatanidza kana inoda ruzivo rwakawanda kana humwe kuchengeteka kuti uve nechokwadi chokuti chikwereti chichabhadharwa. Mabhangi angada kubvumirana nebhizimisi kutanga-up zvikwereti nokuti muridzi webhizimisi mutsva haana bhizinesi rekwereti yemari yebhangi kuti avimbe kubhadhara chikwereti.
Ndiani Ndinofanira Kumubvunza kuti ave Co-signer?
Kana munhu ane chikwereti akati iwe unofanira kunge uine mubhodha wekubhadhara chikwereti, unogona kutanga kutarisa kune vemumhuri kana shamwari dzepedyo. Mumwe mubatanidzwa anofanira kunge ari munhu waunovimba naye, asiwo munhu ane zvimwe zvinhu zvaanenge achida kubhadhara uye mumwe munhu ane chakanakisisa kuti awane chikwereti chikuru.
Chii Chandinofanira Kuziva Nekuva Co-signer?
Heano mamwe maonero akakodzera kutaurwa pamusoro pevashandi vekubatana kwemabhizimisi:
- Muiti wekubatana haasi kungoisa muhomwe; iye ari kuita vimbiso yekubhadhara chikwereti kana uyo anenge akwereta asina kukanganisa.
- Mubatanidzwa wekodhi kazhinji anodiwa kuti apiwe mari, nenzira yeimba kana zvimwe zvinhu, izvo bhagheni rinogona kutengesa kuti riwane mari yacho kana zvichiitika.
- Mutori wekubatanidza anodiwa kuti ape ruzivo rwezvemari , uye mubhidhiyo wekodhi wekwereti inotarirwa uye inofungidzirwa mukugamuchirwa kwemari.
- Mutori wekubatanidza anodiwa kubhadhara nguva pfupi, mhosva, uye zvikwereti kana mubhadhari wepakutanga asingakwanisi kudaro.
Nzira Iyo Kubatirana Kwekushanda Kunoshanda
Iko kubatana kwekunyora kunoshanda sei kune bhizinesi kana kuti chikwereti chemunhu oga:
- Munhu anenge akakumbira angataurirwa nebhangi kana kuti kune imwe chikwereti kuti mubati wekubatana anodiwa.
- Mutori wekubatana kazhinji anofanira kunge ane chepamusoro chekukweretesa chikwereti kana, kana pane chikwereti chemabhizimisi, yega kana yebhizimusi zvinhu zvinogona kupiwa mukana wekutadza.
- Mutori wekubatanidza anofanira kupfuura nepurogiramu yekushanda pamwe chete nemunhu anenge aita basa, anofanira kubudisa magwaro anovimbisa kukosha kwekwereti kana kukosha kwezvinhu.
- Pakupedzisira, vashandi vanobatanidza zviratidzo zvese zvikwereti zvechikwereti, vachitsigira kuti iye achakudza zvido zvechikwereti.
- Mubatanidzwa wacho anogamuchira hutano kubva kubhangi uye anoziviswa pachiitiko apo anenge akakumbira asingabhadhari panguva yakakodzera.
Unofanirwa Kuwana Co-signer? Iwe Unofanirwa Kuva Mubatanidzi?
Uyu mubvunzo wakaoma. Kubva pamaonero emuridzi webhizimisi anoda kubatirana, ingangodaro ndiyo nzira chete yekuwana mari. Kubva pakuona komubatanidzwa, zvinogona kunge zvisingashandisi kusarudza kubvumirana.
Kana iwe nemumwe munhu muchipinda muhukama hwekunyora, iva nechokwadi chekutora zvinhu zvose nekunyora.