"Chikwereti mazororo" basa: mitemo yekunyora, kushandiswa, zvinyorwa uye mhinduro

Zvinosuruvarisa, mumakore achangobva kupfuura, nhamba inowedzera yevanhu vasingakwanisi kuongororesa ivo pachavo mari yehutano, vanova vatokwere vemabhengi ehurumende. Chinhu chakaipisisa chinogona kuitwa nomunhu mumamiriro ezvinhu aya ndechokuwedzera mamiriro ezvinhu akaoma, kuunganidza zvikwereti. Avo vasingakwanisi kubhadhara pakarepo mari yacho yose vanogona kushanda kubhangi uye kunyora chikumbiro che "credit vacation". Muzviitiko zvakawanda, vateresi vanobvumirana kune vakwereta, nokuti hazvibatsiri kuti vawane vateresi, vachibhadhara mari uye vasingagamuchiri zvikwereti.

Chii chinonzi "chikwereti chehotera"?

Iyi ndiyo rudzi rwekubhadhara, iyo inobvumira muchengeti wesangano rebhangi risina mari panguva ino kutora nguva kubva pamutoro wemari. Iyi nguva inopiwa kuti munhu ave akakwanisa kugadzirisa zvinetso zvake zvose zvine chokuita nekushandurwa kwekugara, kurapwa kana kutsvakwa kwechigarire chekuwana mari.

Mune zviitiko zvipi kusarudzwa kwebhadharo?

Mumamiriro ezvinhu ekufambira mberi kwehupfumi mune hupfumi, nhamba inowedzera yevanhu, avo vakagamuchira mubhadharo mukuru makore mashomanana apfuura, vanoramba vasina basa. Vakawanda vavo vane chikwereti kana chimwe chikwereti kubhangi, iro rakava mutoro unoregererwa. Kuti urege kuunganidza zvikwereti zvekudenga nezvechikwereti chisina kubhadharwa, unogona kutarisana nebhangi uye ona kuti ungawana sei "chikwereti chezororo". Muzviitiko zvizhinji, masangano emari anosangana nevanhu vanozviwana vari mumamiriro ezvinhu akaoma muupenyu. Saka, mukana wekunonoka unorondedzerwa mune zvikwereti zvakawanda zvekutengesa. Mune zvimwe zviitiko, akakwereta anogona kusarudza imwe yezvirongwa zviripo iye zvino zvinomukodzera kupfuura vamwe - chikamu kana chakakwana.

Sezvo wagamuchira mhinduro yakanaka, hazvirevi kutarisira kuti bhangi richaregerera chikwereti. Ichokwadi chekugamuchira chimiro, sekutonga, chinotungamirira kukuwedzera kukuru pamutengo wekwereti. Kazhinji, mushure mokunge hovha yechikwereti yasvika pakaguma, bhangi inoita kugadziriswa kwebhadharo nekuwedzera kwehukuru hwavo. Basa rakadaro rinogona kupiwa kune vakwereta vanosangana nezvimwe zvinoda. Chokutanga pane zvose, munhu ane chikwereti anoshandisa kuregererwa kwekubhadhara haafaniri kunge asina maitiro, uye kwete muchechi ino chete. Chechipiri chechikwereti kuvapo kwechikwereti chisina kugadzirirwa, kusvikira kubhadharwa kwakakwana kune zvikamu zvitatu zvinotarisirwa kubhadhara.

Mune zviitiko zvipi bhagheni rine kodzero yekuramba kupa chiremera?

Chikonzero chekuramba kupa "chikwereti chezororo" kunogona kunge kunonoka kwechikwereti chemwedzi. Uyewo, masangano emari ane kodzero yekugutsa chikumbiro chemunhu asina matambudziko emari, matambudziko ehutano uye asina kurasikirwa nebasa rake. Mukugadzirwa kwe "zvikwereti zvehodhi" kunogona kurambwa uye pane zvakaitika kuti kubva pazuva rawakagamuchira chikwereti chaiva pasi pemwedzi mitatu.

Algorithm yekugamuchira chikwereti chakasimudzwa

Basa re "hotekiti dzekwereti" rinogona kugoverwa mushure mekunyorwa kwekuti munhu akwereta ane matambudziko emari uye haakwanisi kubhadhara mabhiriro kwekanguva. Asi mune zviitiko zvakasiyana-siyana mabhangi anopa kuregererwa kwebhadharo chete pakukumbira kwomunhu. Zvisinei, basa iri harisi kusununguka. Vanhu vanofarira nzira yekuita "mazororo ehomwe" vanofanira kutora zvimwe zviito.

Chinhu chokutanga chaunoda kuita ndechekubatana nebhangi ugozviudza pamusoro pezvinetso zvako. Mushure meizvi, zvakakosha kubudisa humwe uchapupu hunoratidza kuti munhu anenge aine mari yakaoma mamiriro ezvinhu emari. Sezvinyorwa zvinyorwa zvinogona kushandiswa nekopikopi yebhuku rebhuku rebasa kana chibvumirano chinobva kuchipatara. Vashandi vebhangi vanofanirwa kuziva mutenzi wacho nemamiriro ezvinhu ayo "mazororo ehomwe" anopiwa. Usati wasayina kontrakiti itsva, iwe unofanirwa kuve nechokwadi chekuti haigadziri kuwedzera kwechikwata chechibereko, kuiswa kwechikwereti kana kufarira kwenguva yakatarwa. Kana mushure mokunge iwe unogona kupfuurira kunyorera chikumbiro che "holide yekwereti" muzita rebhengi webhangi. Mushure mokufunga nezvechikumbiro, munhu akagamuchira mhinduro yakanaka anofanira kuonekwa mubhangi kuti asayine mapepa akakodzera uye kugamuchira purogiramu itsva yekubhadhara.

"Mahotera Mazororo" muSberbank: maitiro ekushandisa sei?

Munharaunda iyi yezvemari, sangano rinopiwa kuti rigadzirise chikwereti chacho nekuderedza muwandu wemari yepamwedzi. Kuti uratidze kuti rakarurama, zvakakosha kushanda kune vamiririri vebhangi pamwe nekushanda kwakakodzera. Chero ani zvake anoda kuwana "holide yekwereti" muSberbank anofanira kupa uchapupu hwehuwandu hwezvinetso nematambudziko. Mune zvimwe zviitiko, mutengi anogona kugoverwa kuwedzera kwechibvumirano pamwe nekuwedzera kwechikwata chechibereko. Munhu anozviti anorega kukweretesa anofanira kunge ane nhoroondo isina kunaka. "Kukwereta mazororo" kunogona kupiwa kwemwedzi 12. Uye chibvumirano chayo pachacho chinowedzera kwemakore maviri, kureva kuti, chiyero chemupiro wegore negore wakaderedzwa.

Mune zviitiko zvipi hazvina kufanira kuita chiremba?

Kana munhu akwereta asina chaanobhadhara zvikwereti ane chikwereti chekutenga chikwereti, uye kuwana kuregera kunongowedzera mamiriro ezvinhu akaoma. Munyaya iyi, zviri nani kuti uongorore mamiriro ezvinhu uye edza kutengesa imba, uremerwa nechikwereti. Mushure mokuzadzikiswa kwechibvumirano, uyo ane chikwereti haazongobvisa chete zvikwereti zvakanyanya , asiwo anodzosera zvimwe zvemari yake. Kuendesa kune vekupedzisira uye kwete kubhadhara chikwereti, munhu acharamba achimanikidzwa kutengesa chikwereti. Izvi bedzi zvichave zvichiendeswa mberi nemitemo yakareba yepamutemo, somugumisiro wekuti chikwereti chicharasikirwa nemari yakawanda, sezvo chikwereti chechikwereti chichatsiviwa nokuda kwekubhadhara kwekubhadhara kwemwedzi.

Kubatsira kwebasa uye mhinduro pamusoro payo

Vazhinji vakwereta vanofarira "mazororo ehomwe" muSberbank. Nzira yekukwanisa kunonoka kwakadaro uye izvo zvinopa, takakurukura. Inofanira kunzwisiswa kuti basa rinobvumira munhu kuti asaunza nyaya yacho kwenguva yakareba, uye dzimwe nguva kunyange kunyadzisa, miedzo uye inomupa nguva yekugadzirisa matambudziko ake. Izvo zvipupuriro zvevashandi vakashandisa "mazororo ekubhadhara chikwereti" zvakakamurwa kuva makamu maviri akasiyana-siyana. Chimwe chikamu chevanhu chinotenda mabhangi, izvo zvakavabvumira kuti vasati vaite zvipo zvakanyanya uye vanovandudza mamiriro avo emari. Vamwe, pane zvinopesana, vakangowedzera mamiriro ezvinhu akaoma, zvichiwedzera kuwanda kwechikwereti. Nokudaro, zviri kumunhu akakwereta kuti asarudze kana achishandisa sangano iri kana kwete. Panguva imwe chete, zvakakosha chaizvo kunyatsoongorora zvaunogona kuita uye kuziva kuti izvi hazvisi chinhu chinonoka, kupa mukana wekuwana nzira yekubuda mumamiriro acho ezvinhu.

Zvakakosha here kushandisa "chitupa chekwereti"?

Inofanira kunzwisiswa kuti chero kunonoka kubhadhara mari yechikwereti kunotungamirira kuwedzera mukubhadhara mari. Munguva yenguva yenyasha, chikwereti chikuru chemari chikwereti hachina kuderedzwa nedhenari, saka, kufarira hakusi kuderedzwa. Nguva refu "mazororo" ekupedzisira, mari yakawanda yekwereti ichawedzera. Saka, zvinodikanwa kushandisa sangano iri chete mumatambudziko akasiyana.

Pasina kudzorera chikwereti uye kwete kuita chiremera, munhu angatarisana nomumwe, kunyange dambudziko guru. Iye acharangwa. Uyezve, munguva ichangobva kuitika mava nenguva dzakawanda apo mabhanji ekutengesa anotengesa zvikwereti kune mahofisi emahofisi avo vashandi vanotanga kunyatsotambudza munhu ane chikwereti nekushanyira uye kutyisidzira kudanidzira. Uye nokukurumidza apo nguva yekuderera kunodarika mazuva 90 , sangano rebhangi rine kodzero yekutanga basa rekutonga mhaka. Mushure mokugamuchira mutongo unobvumirwa nedare remhosva, munhu asingabhadhari chikwereti angatadza kurasikirwa.