Pinda mari yaunoda kukwereta (mu USD kana ZiG) nenguva yekubhadhara (mumwedzi) pasi apo kuti uone chirongwa chako chekubhadhara iko zvino.
Ita sei Karakureta yeChikwereti paIndaneti?
Uchishandisa karakureta yedu, unogona kuwana nekukurumidza kufungidzira kwemuripo wako womwedzi nemwedzi zvichienderana nemitemo iripo mumusika wemari muZimbabwe. Kuverenga uku kunoshandisa nzira yekubhadhara zvakaenzana pamwedzi (fixed monthly repayments), kuchi kupa mufananidzo wakajeka wemuripo wako womwedzi, mhindu yese yauchabhadhara, pamwe nemhedziso yemhindu pagore zvichienderana nemari yaunosarudza (mu USD kana ZiG).
Zvinhu Zvakakosha Zvunofanira Kuteerera:
- Kuongororwa Kwechikwereti ne Bazi re Credit Registry (RBZ): Mari inoratidzwa pano ndeyekukutungamirira chete. Mari chaiyo yaunopiwa, mhindu, nemvumo yekupedzisira zvinoenderana neongororo yemutengo wako, mari yaunowana pamwedzi, nenhoroondo yako yekubhadhara zvikwereti yakachengetwa ne Credit Registry ye Reserve Bank of Zimbabwe (RBZ) kana mamwe makambani akazvimirira (akaita masevisi e Credit Reference Bureau).
- Mitemo yeMabhengi ne Zvikwata zveMari: Bhengi rega rega kana chikwata chechimereti muZimbabwe chinoshanda pasi pemitemo ye Reserve Bank of Zimbabwe (RBZ) ne Microfinance Act. Sangano rega rega rine mitemo yaro yekutarisisa njodzi, muripo wemafesi (application/administration fees), uye inogona kukumbira inshuwaransi yechikwereti (Credit Life Insurance) kuti vave nechokwadi chekubhadharwa kana pane tsaona kana rufu.
- Mhanho Inotevera: Kana wawana mari kwayo (mu USD kana ZiG) nenguva yekubhadhara inowirirana nemuhoro wako, unofanira kuunganidza magwaro anodiwa kuti ufare kuisira chikumbiro chako. Magwaro aya anowanzosanganisira ID yako yeZimbabwe (National ID/Passport), mastedhiyo emuhoro (payslips) emwedzi 3 yapfuura, pamwe nemapete emubhengi (bank statements) emwedzi 3 yapfuura.
Mhedziso
Mukupfupikisa, kushandisa karakureta yedu ye pa-indaneti inhanho yekutanga yakakosha kuronga mari yako nekunzwisisa kuti chikwereti chinoenderana sei neimba yako pamwedzi. Kufananidza zvinhu zviripo kunokubatsira kuita sarudzo yakachenjera, kudzivirira kuva nezvikwereti zvakawandisa zvokusakwanisa kubhadhara, nekutsvaga chikwereti chinoenderana nepo unokwanisa kubhadhara chaiwo. Sati wasaina chibvumirano chipi zvacho chechikwereti, gara waverenga nemazvo mitemo nemamiriro ezvinhu zvakapihwa nebhengi.
