Unogona Kuita Kuti Zvigadziriswe Zvibvumirane Nechibvumirano Musati Mvumo Yava Kupera?
Kana uine shamwari kana nhengo yemhuri ari kubhadhara imba muguta rakadhura kana kubva kune muridzi wemba nemitemo yakakomba yemwedzi, iwe unogona kudanwa kuti uve muchengeti pane imwe nguva. Izvi zvinowanzoitika kune vabereki vevana vari kubhadhara imba muguta idzva vasati vawana basa rakakwana, somuenzaniso. Asi chii chinonzi guarantor, uye chii chaunosungirwa kana iwe ukasarudza kuisa sairi?
Chii Chinonzi Guarantor?
A guarantor mumwe munhu anoratidza chibvumirano pamwe chete nomuchengeti uye anotora mari yavo pasi pemubhadharo. Kana muridzi wekodha asingabhadhari imba yake nenguva, mwene weimba anogona kuuya mushure mekugadzirisa mari yacho. Kazhinji, mubereki wemuvakidzi anoita sechigadziriso, achifunga kuti mubereki ari mumamiriro ekushaya mari uye anoda kuti vana vavo vararame muimba iyo inogona kunge iri kunze kwekusvika kwavo. Hama neshamwari ndivo vanozotevera kukurumidza kutengesa kana mubereki asingakwanisi kuva chigadziro.
Kana iwe uri kusarudza kuti uve muchengeti, zvakakosha kuti iwe uvimbe munhu wauri kunyora uye iye anokwanisa kubhadhara. Zvakakosha zvakare kuti iwe unogona kubata kuzvipira kwemari, sezvazviri mukati memamiriro ekuda kuti iwe unoda kubhadhara. Kana iwe uri iwe pachako, iwe unogona kuva chigadziro kune shamwari kana mudiwa chero bedzi iwe unogona kuratidza muridzi weimba iwe uri mune mari.
Zvaunosungirwa seGurantor
Kana imwe nguva muridzi wepaimba achiisa chibharo chavo, ivo vari pachikwereti chekubhadhara chikamu chakasara chezwi rechibharo. Nenzira yakafanana, mumwe munhu anoratidza sevimbiso anoitwa kuzvipira kuita basa iroro panguva imwe chete. Saka, kana iwe ukasaina chikwata chehama kana shamwari sechirango, unofanira kubvumirana kuti uchengetedze garantor kwegore.
Kana mamiriro ako emari kana ukama hwako nemunhu wawakasayina kuti uchinje uye iwe hauchadi kuva mugadziri, iwe unofanirwa kumirira kusvikira nguva yekushandira ichibuda. Kana izvi zvikaitika uye kubhadhara kwapera, basa rako segwaranti rinoguma. (Kuti rirambe richienderera mberi, iwe unoda kuisa chibvumirano chekugadzirisa svondo sevimbiso yemutengo mutsva.)
Nemhaka yekuti muchengeti wemabasa chete anowanzoitika muitiko apo muridzi wekusarasikirwa nebhadharo yebhadharo, zvinenge zvichiita kuti iwe hauzombofaniri kubhadhara peneni sevimbiso. Zvisinei, kana iwe uchiomerera pakubvisa chikwereti chako, mushandi anogona kuedza kugutsira muridzi weimba kuti agadzirise chikwereti kuti akubvise. Muridzi weimba angabvumirana neizvi kana muridzi wekugona anokwanisa kuratidza kuti mari yavo yezvemari yakagadziridzwa zvikuru, kana kana vakakwanisa kupa chimwe chinotsigira guarantor uyo anopfuurira .