How kuverenga chikwereti: kuronga mari.

The chikamu kuparadzwa zvinhu uye mabasa ari kukura gore negore, sepakutanga dzisingambosvikiki zvinhu aifanira kumbosendeka makore, munhu haagoni kutenga "pano uye zvino". Zviri zvakakwana kutora chikwereti uye kubhadhara zvishoma mumwe mwedzi, uye awana kare zvinodiwa, uye hapana chikonzero kumirira uye kuponesa mari kwenguva yakareba. Kufunga kwayo nharo izvi imomo, asi usati kumhanya uye utore chikwereti rokutanga mubhangi, iyo kupa "yakaderera-kufarira", zvinokosha kuverenga kunonyanyisa chikwereti uwandu. Zvadaro enzanisa chikwereti inopa kumabhanga siyana uye kusarudza zvakakodzera kuzvipedza.

Unogona kutanga dzemaitirwe pamusoro kunonyanyisa uwandu kwemutongo karukureta, izvo nemabhangi kupa avo pamutemo Websites. The yokupedzisira chitsama chikwereti ivo kutarisira ine kwazvo, asi iwe unogona kufamba pairi. Kanenge, unogona kuona mari yamunofanira kutarisira kuti aenderane yenyu yasimbiswa mari. Mubhengi racho Website anogona kuwanikwa pamwe Pakuurayiwa chikwereti uye kuitika kufarira prices. Cherechedzai inofanira kubhadharwa kuti bhengi makomisheni, Zvirango uye kudikanwa inishuwarenzi.

Kana uri kushamisika sei kuti chikwereti chako, unofanira ose mashoko. Kutora kubhangi imwe mari, unofanira kudzokera yabereka. Kufarira differentially dzinopedza kazhinji rinowanikwa nokushandisa mutoo:

Mubereko chitsama = (yakawanda chikwereti * Annual interest) / 100 * 12

Musakanganwa kuwedzera mari iyi wechikoro, uyewo zvose makomisheni aya. yemanyorero Kurangwa mabhanga kumanikidza kuti kunonoka chikwereti richipedza kana richipedza zviduku inopfupikisa pane avo raanotaura purogiramu. Kana uchifarira sei kuverenga chikwereti, asi iwe unogona kubvunza zvakadini kubhangi kufadza, unogona kushandisa mutoo:

SP = P / (T +1) * wepagore chimbadzo pamusoro chikwereti mu rubles / 2 * 12 100 *

Apo SP - kufadza chikwereti mari, P - the solvency pamusoro anokwereta, uye T - achirumbidza nguva yose mwedzi. Yeuka kuti mari iyi neimwe bhengi zvichachinja yakananga kudzikira, zvichienderana nemhosva zera, urefu basa, kuvapo zvakanaka chikwereti nhoroondo, kutsiga kwayo mari, Kuwanikwa inishuwarenzi, paanofa, etc. creditworthiness of mutengi rinowanikwa nevanhu yakasiyana inonyatsoita:

P = QH * K * t, apo

QH - avhareji kwemari (mambure) nokuti 6 mwedzi deducting zvose rokumanikidzirwa kubhadhara, K - chinhu parinoshandiswa, uye T - Months. Vanosungirwa kubhadhara - vari mitero, mwana rutsigiro uye dzimwe mari. For pensioners mari sokugamuchira pamwedzi mudyandigere.

Nokuti mumwe nomumwe Entrepreneurs solvency rinowanikwa maererano yakasiyana zano. Nokuti avo nokuda kuripwa chikwereti vachaenda pamudyandigere zera, kukwanisa kubhadhara achava zvishoma yakaderera nokuti "mwedzi mudyandigere" vanoonekwa, pahwaro munhu wakaiswa chitsama shoma mudyandigere.

Individual yokusvika mumwe nemhosva, kunze zvose, uye anosanganisira kushandisa zvakakodzera kururamiswa zvinhu apo pakuverenga kufadza huwandu zvikwereti.

Change chikwereti tsoziva kuti bhanga, zvakaoma. Saka, vanenge mabhanga vanokurudzirwa zvakasimba kutarisa chikwereti mukuru kubhengi uye kuwana mibvunzo yose pamusoro pachivara. Kazhinji, kunyange pakutanga kubvunzana, chikwereti mupurisa unogona kudana mumwe "sirin'i" chaiye ari chikwereti uwandu.

Tisati kuenda kubhangi, edza nekururama kuongorora nezvaanogona dzavo. Pasina pakutanga nyaya ino aronga kuverenga chikwereti, asi mari kuti vanofanira kudzokera. Zvichida chido chako kuti zvose kamwe, asina zvinosiyana nekurovererwa asi kungoti chero paangodira. Kupa mari iri kwakaoma kupfuura kugamuchira.