How kuti chikwereti nezvakaipa chikwereti nhoroondo

Zvikwereti vakanakidzwa ose wechipiri munyika yedu. Vanobvumira kuti kutenga rako kufarira chinhu kamwe, asina kupedza mwedzi kana makore kuunganidza. vanhu vazhinji, kunyanya vechidiki, chivi mushakabvu kuripwa chikwereti. "Big ngaakuitirei, vakabhadhara kuti zuva (a vhiki) Papera kwenguva itsva pafoni, haana here akabhadhara chete." Panguva iyoyo havasi kuziva kuti nemhaka delinquencies izvi vakaumba kunaka chikwereti nhoroondo. Vanhu vanofunga pamusoro sei kuti chikwereti nezvakaipa chikwereti nhoroondo chete kana nemabhangi vanotanga kuvabvisa. Dzimwe mhosva delinquency haisi nyore kuregeredza uye zvinetso zvemari chinangwa. Mumwe ane chete kuyeuka dambudziko ra2008 , apo zviuru zvevanhu vakarasikirwa nemabasa uye havana kukwanisa kubhadhara pamwedzi kubhadhara. Vazhinji vanhu ivavo vari makore mashomanana, kana mamiriro avo emari hwakavandudzika, nechinetso chakakomba sei kuti chikwereti nezvakaipa chikwereti nhoroondo.

Mhinduro iri rimwe - chikwereti nhoroondo (nemamwe mazwi - chivimbo nemabhangi) zvichabviswa kudzorerwa. Pfungwa yacho iri vasingatsanyi, asi chaizvo. Handifungi kuti makore mashanu apfuura, mushakabvu kubhadhara serisina TV hwogumisa chikwereti. Vavezve kuvimbana, pamberi chikwereti ane akaipa zvikwereti kare, unogona kutora mu-chitoro kurumbidzwa chipa simbi, mvura hita, kana DVD- mutambi. Kunenge kuti pamahombekombe rapera iri iyi, nokuti chikwereti yakawandisa diki. Zvichaita chete kubhadhara iri pamwedzi hwaro izvozvo akaratidza "akakora." Uyewo hatifaniri kuvhara chikwereti mangwanani. Banks kazhinji havadi zvakare vanoshingaira Vanobhadhara, Vanonzvenga nokuti iyi havasi kubatsirwa kufarira.

Kana chikwereti yekutanga vakabudirira kuvharwa, unogona kutora wechipiri, yakakura, nokuti zvirokwazvo mune sandarara kana imba chiripo chinhu refu nonoka kutsiviwa ikoko. Unogona kutenga yeplasma TV, mumwe vacuum kana yakanaka dziripo nechomukati masuo. The kuita chechipiri - kutora chikwereti ari mari iri mubhengi. Several zvikwereti kunyange zviduku yekudyidzana tweak haisi zvokutadza chinopenya chikwereti nhoroondo. Zvino yatova zvinoita kuti kubuda chikwereti kuti mufurati kana motokari, zvavo, kuti ndaida kutanga. Zvechokwadi, muchiitiko ichi, unofanira kubhadhara pasina delinquency, ipapo zvakare kuti kuvhuna musoro wako pamusoro sei kuti chikwereti nezvakaipa chikwereti nhoroondo.

Eya, imwe pfungwa kuti anogona kushandiswa - kureva nhume yemakambani. Usati atore chikwereti ane akaipa zvikwereti nhoroondo, uchafanira kuripa muripo weUS, asi kazhinji zviri zvakakodzera.

Bad chikwereti nhoroondo - haasi chete dambudziko. Vakawanda vanofarira mubvunzo sei uye kupi kutora chikwereti pasina panotaura mubayiro. Dzimwe nguva dambudziko mvumo kunaka zvikwereti nhoroondo yakaoma zvikuru.

"Kuchena" mubayiro muhamvuropu hazvina munhu, kusanganisira mabhanga. Vakawanda vavo kuitira kukwezva vatengi, chete anoratidza kuti kupa mari pasina bhuku (dzimwe nguva insuring pangozi guarantors), dzimwe nguva kunyange pasina guarantors. Chokwadi, mukana kwokuramba isina mari yavo kubhangi iyi, anowedzera kakawanda - mumashoko chaiye mubayiro wavo haagoni rudo vanokosha vari 5-10 nguva, sei kurega zvokufungidzira uye hana. Kakawanda, anokwereta haana kutanga chinangwa kubiridzira kubhangi - iye chete anoda kuwana mari pano zvino, uye gare gare havangagoni kukunda mutoro vakawedzera zvemari. ngozi yavo iyi, kubhengi compensates ari pangozi pamusoro chikwereti - kanenge 1,5-2 nguva pane pasi ezvinhu akafanana, asi ane chitupa.

Kana usingade kuenda overpay, zvakakodzera kubvunza kuti ndizvidavirire dhipatimendi kusaina gwaro 2-gomba mubayiro zvechokwadi kana kuti tsanangurai akawanda zvinopa mari. Munogonawo, izvo zvinogona kuenda kadhi nyanzvi (kunyange kana tisiri kutaura pamusoro yakawanda) - kudanwa kuti mushandirwi, izvo achasimbisa mubayiro zvechokwadi. Dzimwe nguva mabhanga vanobvumirana (sezvo, somuenzaniso, kune munhu chikwereti) kufunga zveminda zvose. Rinotsanangura rupo rwakadaro nyore chaizvo - kubhangi anoramba mortgaged pfuma, raakanga anogona kusarudza, kana anokwereta anova sauka.