Zvikwereti Mushure mekurambana: Une Mutoro Rini?

ziviso

Mushure mekurambana, vanhu vazhinji vanofunga kuti hukama hwavo hwemari newaimbova mudiwa wavo hwapera zvachose—zvinosuwisa kuti izvi hazvisizvo kana zvasvika pazvikwereti zvekubatana. Kurambana kunowanzova chiitiko chakaoma mupfungwa uye chepamutemo. Kuzvidavirira kwechikwereti kunowanzoenderera mberi kwenguva refu mushure mekunge kurambana kwapera, zvisinei nekuti chibvumirano chenyu chekurambana chinotaura nezvekuti ndiani anofanira kubhadhara zvikwereti zvipi. Kunzwisisa kuti ucharamba uine mhosva yezvikwereti riini mushure mekurambana kwakakosha pakudzivirira ramangwana rako rezvemari uye mamakisi echikwereti. Mhuri mutemo inosanganisira zvese zviri pamutemo zvine chekuita nehukama hwevanhu, kusanganisira kurambana.

Chinyorwa chino chinotaura nezvenyaya huru dzine chekuita nezvikwereti mushure mekurambana, zvinosanganisira zvikwereti zvemubatanidzwa, zvikwereti zvakasiyana, zvikwereti zvemba, uye nzira dzekudzivirira kune avo vanofamba mushure mekurambana. Kutanga kwakanaka mushure mekurambana kwakakosha, uye zvakakosha kugumisa hukama zvine hungwaru kuti utange patsva. Tinotarisa panhungamiro inoshanda kune vakaroorana vari kurambana, vanhu vachangobva kurambana, uye chero ani zvake ane hanya nezvikwereti zviri kuramba zvichiitika. Rubatsiro rwepamutemo runogona kubatsira kuona kuti maitiro ekurambana anoitwa nemazvo uye zvakaenzana. Kuyananisa kunowanzo kurudzirwa kugadzirisa kusawirirana kunze kwedare panguva yekurambana, zvichibatsira kudzivirira maitiro marefu uye kuchengetedza hukama hwakanaka. Hatizonyanyi kutaura nezvemigumisiro yakaoma yemitero kana nyaya dzakaoma dzechikwereti chebhizinesi, sezvo izvi zvichida mazano ehunyanzvi.

Mhinduro yakananga: Unoramba uine mhosva yekubhadhara zvikwereti zvakabatana kunyangwe mushure mekurambana kusvika vakweretesi vabvumirana zviri pamutemo kukusunungura kana kuti zvikwereti zvadzorerwa mari nezita remumwe wevakaroorana navo chete. Mutemo wekurambana chibvumirano pakati pako newawaimbova naye—hachichinji zvisungo zvako zvechibvumirano kune vanokweretesa nevanokweretesa.

Migumisiro mikuru yauchawana kubva muchinyorwa chino:

• Kunzwisisa mashandiro anoita mitemo yekubatana kwevaviri uye nei zvibvumirano zvekurambana zvisingakusununguri kubva muchikwereti
• Kuziva kuti ndezvipi zvikwereti zvauchiri kutarisira mushure mekurambana
• Matanho anoshanda ekuzvidzivirira pamari kubva pakusabhadhara kwewaimbova shamwari yako
• Kuziva nguva yekutsvaga rubatsiro kubva kugweta kana mupi wezano rezvemari
• Maitiro ekutarisa zvikwereti uye kudzora kukuvara

Kunzwisisa Mutoro Wechikwereti Mukurambana

Mutoro wechikwereti unoreva mutoro wako wepamutemo wekubhadhara mari yaunokweretesa kune vanokweretesa. Mumutemo wemhuri, pfungwa iyi inoshanda yakazvimiririra kubva panzira iyo matare anogovanisa zvikwereti panguva yekurambana. Zvakakosha kunzwisisa kuti pane musiyano mukuru pakati pechikwereti kupesana (avo dare rinoti vanofanira kubhadhara) uye chikwereti mutoro (avo vanokweretesa vanogona kukumbira zviri pamutemo kuti vabhadhare).

MuNederland van 'gemeenschap van goederen' (nharaunda yezvivakwa) voor veel gehuwde stellen. Dit betekent dat all bezittingen en schulden die tijdens het huwelijk zijn ontstaan, tot de gemeenschap behoren. Echtgenoten die in gemeenschap van goederen zijn getrouwd, zijn hoofdelijk aansprakelijk voor schulden die tijdens het huwelijk én na de scheiding zijn aangegaan. Dit houdt in dat schuldeisers beide ex-partners kunnen aanspreken voor de volledige schuld, ongeacht de interne afspraken na de scheiding.

Kana dare rikaburitsa gwaro rekurambana, rinoita chibvumirano pakati pako newaimbova mudiwa wako pamusoro pekuti ndiani achava nebasa rekubhadhara zvikwereti zvakati. Zvisinei, chibvumirano ichi hachina simba rinosunga kune vanokweretesa. Havana kubatana nenyaya yako yekurambana uye havafanirwe kutevedzera mitemo yayo. Izvi zvinoreva kuti kana zita rako rikaramba riri pachikwereti kana account yechikwereti, vanokweretesa vanogona kukutevera nemari yese zvisinei nesarudzo yedare.

Chikwereti Chekubatana vs. Chakasiyana

Zvikwereti zvepamwe chete zvisungo zvemari apo vaviri vakaroorana vakasaina chibvumirano chechikwereti chekutanga kana kuti vane mutoro wepamutemo. Mienzaniso yakajairika inosanganisira zvikwereti zvepamwe chete, makadhi echikwereti akagoverwa, zvikwereti zvemotokari zvakasainwa pamwe chete, uye zvikwereti zvemunhu zvinotorwa pamwe chete panguva yemuchato. Pazvikwereti izvi, vese vari vaviri vanoramba vaine mutoro wemari yese yasara—kwete hafu chete.

Mutoro wepamwe chete unoshanda panheyo inonzi "mutoro wepamwe chete uye wepamwe chete." Izvi zvinoreva kuti vanokweretesa vanogona kutevera mumwe kana vaviri kuti vawane mari yese inokweretwa. Muchokwadi, izvi zvinogona kuve zvakakosha: kana vaviri kana vaviri vaine mutoro wechikwereti chemba, mukweretesi anogona kudzosa chikwereti chose kubva kune mumwe nemumwe wavo. Kana waimbova mudiwa wako akatadza kubhadhara chikwereti chepamwe chete sezvakabvumiranwa mubvumirano yenyu yekurambana, mukweretesi anogona kukutevera mari yese yasara, okubhadhara mari yekunonoka, uye ozivisa kusawirirana kumahofisi echikwereti achishandisa zita rako. Humwe hurongwa hunogona kuitwa mubvumirano yekurambana, asi vanokweretesa vanogona kuve nekodzero yekukumbira mari yese kubva kune mumwe kana vaviri, zvichienderana nemamiriro ezvinhu.

Chikamu cheZvikwereti vs. Mutoro weMutemo

Musiyano uripo pakati pezvibvumirano zvekurambana kwemukati nekodzero dzevakweretesi vekunze ndeimwe yezvinhu zvisinganzwisiswi zvakanyanya pakurambana. Munguva yekurambana, matare anogovana mutoro wezvikwereti zvemuchato zvichibva pazvinhu zvakaita semari inowanikwa, mukana wekuwana mari, uye kururamisira kwakazara. Zvisinei, matare haagone kumanikidza vanokweretesa kuti vagamuchire urongwa uhwu kana kusunungura mumwe wevakaroorana kubva pamhosva.

Semuenzaniso, kana gwaro renyu rekurambana richiti aimbova mudiwa wako ndiye ane mutoro wekubhadhara chikwereti chemakadhi echikwereti pamwe chete, asi vakarega kubhadhara, kambani yemakadhi echikwereti inogona kukuendesa kumatare edzimhosva, kugadzirisa mihoro yako, uye kukanganisa chikwereti chako. Nzira imwe chete yaungashandisa ndeyekudzokera kudare remhuri wotsvaga kuti gwaro iri risimbiswe pamusoro peaimbova mudiwa wako—maitiro anodhura uye anotora nguva asingape dziviriro nekukurumidza.

Chokwadi ichi chinosimbisa kuti sei kunzwisisa mhando dzezvikwereti nemitemo yazvo kwakakosha kune chero munhu ari kurambana.

Mhando dzeZvikwereti neMitemo yeMhosva

Mhando dzakasiyana dzezvikwereti dzinouya nemhedzisiro yakasiyana yemhosva mushure mekurambana. Zvakakosha kuziva kuti ndezvipi zvikwereti zvaunofanira kubhadhara, sezvo ruzivo urwu ruchikubatsira kunzwisisa mamiriro ako emutemo nemari. Kuziva mashandiro anoita chikamu chimwe nechimwe kuchakubatsira kuona kuti uri kubatwa sei uye kuisa pamberi zvisungo zvinoda kutariswa nekukurumidza.

Zvikwereti zveMortgage neReal Estate

Kana iwe nemumwe wako makatenga imba pamwe chete nechikwereti chemba chekubatana, mazita ese ari maviri anowanzo gara pachikwereti kusvika chagadziriswazve kana imba yatengeswa. Izvi zvinoreva kuti kunyangwe gwaro rekurambana rikapa imba kune mumwe wevakaroorana navo, mumwe wacho anoramba aine mutoro wekubhadhara imba yacho.

Kana mumwe wevakaroorana achida kutora chikwereti chemba, anofanira kunge aine magwaro ekupa kune anopa chikwereti chemba kuti chiongororwe. Mupi wechikwereti chemba anogona kuongorora chikumbiro zvichibva pachibvumirano chekurambana newaimbova mudiwa wako. Zvakakosha kuziva kuti chikwereti chemba—mari yakakweretwa yemba—ndechemunhu uye hachichagone kuchinjirwa pakati pevakaroorana mushure mekurambana. Saka, kana usisina mutoro wechikwereti chemba, unofanira kuve nechokwadi chekuti izvi zvakanyorwa zvakanaka.

Zvazvinoreva zvakakosha. Kana mumwe wako anochengeta imba akasabhadhara mari yakakwana, mukweretesi anogona kutevera mumwe wako kuti awane mari yacho yese. Pamusoro pezvo, kuva nechikwereti chemba pamwe chete kunogona kukanganisa kugona kwako kuwana chikwereti chitsva, sezvo vanokweretesa vachiverenga chikwereti ichocho zvichienderana nechiyero chechikwereti chako nemari inowanikwa. Mune zvimwe zviitiko zvinosanganisira kutenga zvinhu kunze kwenyika kana dzimba dzine rutsigiro rweNHG (National Mortgage Guarantee in the Netherlands), mimwe mitemo inogona kushanda.

Tinogona kukubatsirai nematambudziko enyu ane chekuita nechikwereti chemba mushure mekurambana uye kukupai mazano epamutemo ekutora matanho akanakisa emutemo. Zvinokurudzirwa kutsvaga mazano emutemo pakubata nekutamiswa kwechikwereti chemba mushure mekurambana kuti uve nechokwadi chekuti maitiro acho agadziriswa nemazvo.

Makadhi echikwereti neZvikwereti zveMunhu

Mutoro wekadhi rechikwereti unoenderana nerudzi rweakaundi. Kune maakaundi akabatana apo vaviri vakaroorana vakanyorera pamwe chete, vese vanoramba vaine mutoro wemari yasara zvisinei nekuti ndiani akatenga. Kune maakaundi ega ega apo mumwe wavo ari mushandisi ane mvumo, kazhinji muridzi weakaundi ndiye chete ane mutoro wepamutemo—kunyange izvi zvichigona kusiyana.

Zvakakosha kusiyanisa zvikwereti zvepamwe chete nezvikwereti zvepachivande. Ungasava nemhosva yezvikwereti zvepachivande zvakaitwa newawaimbova naye mushure mekuparadzana. Zvikwereti zvepachivande ndezviya zvinotorwa muzita remumwe munhu chete kwete kuti mhuri ibatsirwe.

Nguva yekuti chikwereti chakagadzirwa riini inokoshawo. Zvikwereti zvakaitwa panguva yemuchato zvekushandisa mari yemhuri (zvekudya, zvemagetsi, zvekugadzirisa imba) zvinowanzoonekwa sechikwereti chemhuri, nepo zvikwereti zvakaunganidzwa mushure mekuparadzana zvinogona kubatwa zvakasiyana. Kana dare rikaona kuti mumwe wevakaroorana akatora chikwereti nemaune vasati varambana kuti chiremedze mumwe, izvi zvinogona kuonekwa sekuparara kwemidziyo yemuchato uye zvinobatwa zvinoenderana nazvo.

Zvikwereti zveMotokari nezvimwe Zvikwereti Zvakachengetedzwa

Kana mumwe wevakaroorana naye aine mota asi mazita ese ari maviri achiramba ari pachikwereti chemotokari, njodzi huru dzinomuka. Kana waimbova mudiwa wako akarega kubhadhara mota yaari kutyaira, mukweretesi haangogone chete kutora mota yacho, asi kushaya mari uye kukuvara kwechikwereti zvinozokanganisawo iwe.

At Law & More, tinotenda mukuunza pfungwa kunjodzi dzezvikwereti zvemotokari zvinogovaniswa mushure mekurambana. Zvikwereti zvakachengetedzwa zvakaita sezvikwereti zvemotokari zvinopa matambudziko akasiyana nekuti chibatiso (mota) chiri pasi pekutonga kwemunhu mumwe chete ukuwo chisungo chichiri kugovaniswa. Pasina kudzoreredza chikwereti muzita rimwe chete, mamakisi echikwereti emativi ese ari maviri anoramba ari panjodzi yemaitiro ekubhadhara emumwe.

Matanho Anoshanda Ekuzvidzivirira Kubva Muchikwereti Chinoramba Chichiitika

Kutora matanho ekutanga panguva uye nekukurumidza mushure mekurambana kwakakosha. Kuti udzivirirwe kubva pachikwereti chinoramba chiripo, zviri nyore kuti uzvidzivirire pachikwereti chinoramba chiripo. Kumirira kusvika matambudziko amuka zvinoreva kuti kukanganisa kuchikwereti chako nemari kunogona kutoitwa.

Maitiro Ekubvisa Chikwereti Uye Kudzosera Mari

Nzira inonyanya kushanda yekubvisa mhosva ndeyekubvisa zita rako zviri pamutemo kubva muzvikwereti zvakabatana. Heino nguva iyo nzira iyi inoshanda zvakanyanya uye maitiro ekuitevera:

1. Bata vanokweretesa nezvekubvisa: Vamwe vanokweretesa vanosunungura mumwe wevakaroorana navo kubva pamhosva kana mumwe wevakweretesi asara aine mari yakakwana uye chikwereti kuti akwanise kukweretesa ari ega. Izvi hazvina vimbiso, asi zvakakosha kukumbira.
2. Kumbira kuti uwane chikwereti kana kuti uwanezve mari: Mudzimai anochengeta pfuma anogona kunyorera kuti adzorere chikwereti muzita rake chete, uye kune mortgages, izvi zvinowanzoda kunyorera chikwereti chitsva uye maitiro ekukodzera. Ungangodawo kunyorera kuti uwane mari yekuwedzera uye kuvhara maakaundi ekubatana kuti uve nechokwadi chekuti zvese zvemari zvagurwa nemazvo.
3. Vhara maakaundi akabatana: Kana muine makadhi echikwereti uye muine mari yechikwereti, vharai maakaundi akabatana movhura maakaundi matsva evanhu. Kumbirai kuti vanokweretesa vaone kuti akaundi yacho "yakavharwa nekuda kwekukumbira kwemutengi" pane kuti "yakavharwa neanokweretesa."
4. Nyora zvibvumirano zvese: Chengeta makopi etsamba dzese dzinotumirwa nevanokweretesa dzinosimbisa kuvharwa kweakaundi, kubviswa kwemazita, uye kuendeswa kwemari yasara. Magwaro aya anogona kubatsira kana kusawirirana kukamuka gare gare.

Kugadzira Zvibvumirano zveRubatsiro

Chisungo chekutsiva (dzimwe nguva chinonzi chibvumirano chekuti "chengetedza zvinhu zvisina njodzi") mumutemo wenyu wekurambana chinosungirwa kuti mumwe wako abhadhare chikwereti kuti akudzoserei mari yaunomanikidzwa kubhadhara, kusanganisira mari yegweta nemari yekutenga. Kunyange zvazvo izvi zvisingadziviriri vanokweretesa kuti vasakuteverai, zvinopa mukana wepamutemo wekudzivirira waimbova mudiwa wako sedziviriro kana zano rako guru rikakundikana.

Zvisinei, zvibvumirano izvi zvine miganhu. Kana waimbova mudiwa wako asina mari kana zvinhu zvekukubhadhara, chikamu chekuripa chikwereti chingasashande. Pamusoro pezvo, ungafanira kudzokera kudare kuti usimbise chikamu ichi, zvichireva nguva yakawedzerwa nemari yepamutemo. Kuripa chikwereti inzira inokosha yekuchengetedza asi haifanirwe kunge iriyo nzira yako huru.

Maitiro Ekutarisa Nekuchengetedza Zvikwereti

Kuenzanisa nzira dzakasiyana dzekudzivirira kuchakubatsira kusarudza nzira chaiyo. Zvakakosha kutora matanho akakodzera mushure mekurambana kuchengetedza chikwereti chako uye remangwana rako rezvemari:

nzira	Chikamu cheDziviriro	mutengo	Timeframe
Kuomesa Chikwereti	High	Free	nekukurumidza
Kuvharwa kweAkaundi Yakabatana	nzira	Zvinosiyana zvichienderana neanokweretesa	30-60 mazuva
Kubatanidza Zvikwereti/Kubhadharazve Mari	nzira	Zvinoenderana nezvinodiwa nevanhu	60-90 mazuva
Mabasa Ekutarisa Zvikwereti	Pakati nepakati (kuonekwa chete)	Yemahara kusvika $30/mwedzi	Ichiripo

Kana muchida dziviriro yakazara, mazano ekubatanidza anokurudzirwa. Tangai nekuvhara zvikwereti mahara pamabhurocu ese matatu (Equifax, Experian, TransUnion) kudzivirira kuvhurwa kwemaakaundi matsva. Wobva washanda pakuvhara maakaundi ekubatana uye kubhadharisa mari zvakare kana zvichibvira. Gadza zviziviso zvekutarisa kuti ubate chero matambudziko nekukurumidza—kubhadhara kunonoka kwemazuva makumi matatu kuri nyore kugadzirisa pane chikwereti chiri mukuunganidza mari.

Matambudziko Anowanikwa uye Mhinduro

Kunyangwe vakaronga zvakanaka, vanhu vakarambana vanowanzosangana nematambudziko ane chikwereti chinoenderera mberi. Pamusoro pezvose, mamwe matambudziko anogona kuramba achiitika pasinei nekuedza kwakasimba kwekudzivirira. Heano matambudziko akajairika uye maitiro ekugadzirisa.

Aimbova Mukadzi/Murume Anorega Kubhadhara Zvikwereti Zvaakapihwa

Zvinosuwisa kuti, ichi ndicho chimwe chezvinhu zvinonyanya kuitika. Kana wawaimbove mudiwa wako akarega kubhadhara zvikwereti zvaakapihwa panguva yekurambana, unosangana nesarudzo yakaoma. Unoshamisika here kuti matanho api aunofanira kutora kana wawaimbove mudiwa wako akarega kubhadhara zvikwereti zvaakapihwa? Sarudzo dzako dzinosanganisira:

Bhadhara kuchengetedza chikwereti chako: Kubhadhara zvikwereti zvausingafaniri kubhadhara kunonetsa, asi zvinogona kudiwa kudzivirira kukuvara kwechikwereti. Chengeta zvinyorwa zvemubhadharo wega wega kuti uwane mari yaungangowana.

Tsvaga nzira dzepamutemo dzekugadzirisa dambudziko: Isa chikumbiro kudare remhuri kuti mutemo wekurambana usimbiswe. Dare rinogona kuwana wawaimbova naye achishora, kuraira kuti apihwe mari yemuhoro, kana kudzoserwa mari yemutemo. Maitiro aya anotora nguva nemari asi anoita kuti pave nemhosva pamutemo.

Kurukurai nevakweretesi: Tsanangura mamiriro ako ezvinhu kune vanokweretesa uye kumbira rubatsiro rwematambudziko kana hurongwa hwekubhadhara. Vamwe vanokweretesa vachashanda newe, kunyanya kana uchinyatsoda kutaurirana.

Vanokweretesa Vanoramba Kubvisa Zita Rako

Kana vanokweretesa vakaramba kukusunungura kubva pamutoro—kazhinji nekuti waimbova wako haakwanise kuzadzisa zvawakavimbisa uri wega—funga nezvedzimwe nzira:

• Kumbira wawaimbova naye kuti agadzirise chikwereti chake senzira yekugovanisa midziyo panguva yekutaurirana kwekurambana
• Kurukurai kuti pave nemhinduro yakarurama newaimbova mudiwa wako kana kuti chikwereti, semuenzaniso nekubvumirana pane zvimwe zvinhu kuti murambe muine chikwereti kwenguva pfupi.
• Isa nguva yakatarwa muchibvumirano chako chekurambana yekuti mari yekubhadhara inofanira kupedzwa riini
• Isa zvinhu zvinokonzeresa kutengeswa kwemidziyo kana mari yekuwedzera isingakwanise kuwanikwa mukati menguva yakatarwa

Kukanganiswa kweZviito zveAimbove Mukadzi/Murume

Kana chikwereti chako chakatokuvadzwa nezviito zvewaimbova shamwari yako, tora matanho aya kuderedza kukuvara kwakawanda wotanga kuvaka patsva:

1. Kupokana chero zvikanganiso zviri pamishumo yako yechikwereti nemahofisi ese matatu
2. Wedzera gwaro remutengi kufaira rako rechikwereti uchitsanangura mamiriro ezvinhu
3. Tarisa pakuchengetedza maakaundi ako ega ega ari munzvimbo yakanaka
4. Funga nezvemakadhi echikwereti akachengetedzwa kana zvikwereti zvinovaka chikwereti kuti ugadzire nhoroondo yakanaka yakazvimirira
5. Iva nemwoyo murefu—mavanga asina kunaka anowanzo kukanganisa mamaki ako kwemakore manomwe, asi simba rawo rinoderera nekufamba kwenguva.
6. Iva nechokwadi chekuti unogara uchitarisa mishumo yako yechikwereti uye unotora matanho aunogona kudzora, akadai sekuisa zviyeuchidzo zvekubhadhara uye kuderedza zvikwereti zvisina kubhadharwa, kuti ubatsire kuvakazve chikwereti chako mushure mekurambana.

Mhedziso uye Matanho Anotevera

Kubhadhara chikwereti mushure mekurambana inyaya yakakomba inoda kutarisirwa nekukurumidza. Chinhu chikuru ndechekuti: gwaro rekurambana rinopatsanura mutoro pakati pako newaimbova mudiwa wako, asi harichinji zvaunosungirwa kuita pamutemo kune vanokweretesa. Unoramba uine mutoro wezvikwereti zvakabatana kusvika wabviswa zviri pamutemo nemukweretesi kana kuti chikwereti chacho chabhadharwazve muzita rimwe chete.

Zviito zvechimbichimbi:

1. Ongorora zvikwereti zvese zvakabatana uye ona kuti ndeapi maakaundi ane mazita ese ari maviri
2. Bata vanokweretesa kuti ubvunze nezvesarudzo dzekubvisa uye zvinodiwa zvekubhadhara mari zvakare
3. Vhara maakaundi echikwereti akabatana uye vhura maakaundi emunhu mumwe nemumwe sezvinodiwa
4. Gadzira sisitimu yekutarisa uchishandisa mishumo yechikwereti yemahara uye zviziviso
5. Nyora zvese—chengeta makopi ezvirevo zvese, tsamba, uye zvibvumirano

Kana uine mibvunzo nezvemamiriro ako chaiwo ezvinhu, funga nezvekubvunza gweta rekurambana rinoita zvemutemo wemhuri, mupi wezano wezvemari ane ruzivo rwekuchinjana kwekurambana, kana mupi wezano wechikwereti anogona kukubatsira kugadzira hurongwa hwekutarisira zvikwereti. Nyanzvi yega yega ine hunyanzvi hwakasiyana, uye mamiriro ezvinhu akaomarara angada rubatsiro kubva kune ese matatu.

Zvimwe Zvinyorwa

Kutarisa uye kushuma zvikwereti:

• Shanyira AnnualCreditReport.com kuti uwane mishumo yechikwereti yevhiki nevhiki yemahara kubva kumahofisi ese matatu.
• Bata Equifax, Experian, uye TransUnion zvakananga kuti ugadzire nyevero dzekuvhara zvikwereti uye dzehutsotsi

Zvishandiso zvekunyora:

• Nyora zvizere zvikwereti zvose uye zuva razvakatanga, semuenzaniso mupepa repachivande kana gwaro.
• Gadzira rondedzero yakadzama yezvikwereti zvose zvakabatana, kusanganisira mazita evanokweretesa, nhamba dzeakaundi, mabhalansi uye mabasa ekubhadhara.
• Bvumiranai zvakajeka kuti ndiani achabhadhara zvikwereti zvipi uye simbisai kuti izvi zvabatanidzwa muchibvumirano sechibvumirano chega.
• Chengeta makopi echibvumirano chenyu chekurambana pamwe chete nezvibvumirano zvese zvine chekuita nechikwereti munzvimbo yakachengeteka.

Muenzaniso wekutaurirana nevanokweretesa: Paunenge uchitaurirana nevakweretesi nezvekubviswa kwezita, sanganisira ruzivo rweakaundi yako, kopi yegwaro rako rekurambana, uye chikumbiro chakajeka chekusunungurwa kubva pamhosva. Kumbira kusimbiswa kwakanyorwa kwechero chibvumirano chakaitwa.

Kana muine mibvunzo kana kuti muchida rubatsiro rwekugadzirisa zvikwereti mushure mekurambana, tiripo kuti tikubatsirei. Taurai nesu kuti mukurukure nezvemamiriro enyu ezvinhu uye muongorore nzira dzenyu dzekuchengetedza ramangwana renyu rezvemari.