Personal zvikwereti: Dzidziso yokuti magwaro, mamiriro ezvinhu

Kudiwa mari angamuka panguva isina kutombokodzera nguva. Zvakakodzera nokukurumidza uye akanaka mashoko kutora mari chikwereti. Zvino mubvunzo unomuka: "? Kupi kuti". Bank kana zvitsva zvokukweretesa sangano (MFI)? In Pakuurayiwa zvikomborero - kubhangi, uye nokukurumidza sezvinobvira - MFIs.

bhangi

Achitaura application kuti chikwereti kubhengi, waunotarisira anokwereta anofanira kupa pasuru magwaro. The zvakawanda zvinyorwa mukwereti vachakwanisa kupa kubhangi kuzosimbisa ayo vakasununguka chinzvimbo, rezasi uchava chimbadzo riri gore negore, uye uwandu chikwereti chacho, nekusiyana, kuwedzera.

Chii chamunoda?

The pasuru ine:

- uchapupu nokuzivikanwa.

- mumwe mutemo inishuwarenzi rokubva zvokurapa.

- kurudyi kana gwaro vanyorwa motokari.

- pasipoti, zviri chinodiwa kuti wakapindwa pasipoti kudzora inoratidza zvichiratidza pakufamba kunze yokupedzisira 6 mwedzi.

- References kunyatsonzwisisa basa mari yokupedzisira 12 mwedzi, ndokutsika uye chasainwa musoro sangano.

- Makopi mapeji ose ebhuku basa kana zvimwe zvinyorwa kuti anogona kusimbisa basa. Izvi zvinogona kuva mushoma kubva mubhuku basa kana gwaro chasainwa musoro sangano, rine mashoko pamusoro mushandi, ake ukuru uye chinzvimbo. Kana kopi mabasa kondirakiti. mapeji ose gwaro vanofanira zvine chisimbiso uye siginicha musoro. Experience uno mushandirwi vanosungirwa kuva 6 mwedzi, uye Kureba basa - kwete zvishoma pane mwedzi 12.

- Gwaro rokunyoreswa zviri pamutemo ne hofisi yemutero (INN).

Kuti ukwanise kuita chikwereti kubva kubhengi kunogona zvinoda okuwedzera zvinyorwa:

- uto kadhi (nokuti avo vasati vayambuka zera chikumbaridzo makore 27), uye ari kusavapo yake - magwaro anogona kusimbisa kuvapo deferment basa rechiuto;

- chepakutanga uye kopi kwemamiriro kana pokufa muchato;

- kopi gwaro achisimbisa vaiva usingazungunuke pfuma.

In magetsi 2016 kutora mari chikwereti, chikwereti, asi munhu anoyamurika vachafanira kusarudza kubhengi chinonyanya kukwezva mubereko. Consumer chikwereti rate siyana 22-38%, chikwereti vachasunungurwa nemashoko 11,9-18,8%, uye zvikwereti motokari achaita mari 18-24%.

Pasuru magwaro vakabvuma maererano anokwereta achapiwa zvazvakaipira kubudikidza kuchengeteka basa pamahombekombe mukati 2-12 zvebhizimisi mazuva. Pashure paizvozvo, kubhengi mushandi pafoni vaudza ramangwana zvisarudzo munhu anoyamurika. Cash chikwereti anokwereta achakwanisa kubhadhara kubva 1 kusvika 3 years, inobva chitsama chikwereti uye akamurairawo iye mubereko.

Chero anokwereta, uyo ane zvizere kodzero chikwereti kare anogona kuverenga nezvokuchera rwemhando chikwereti. Huwandu zvibereko achavaponesa mukwereti wacho pamwedzi mari uye mari uye mhando rubatso kuti rinogona.

MFI

Kana mubhengi kunoda kunzwisisa akagadzirwa zvinyorwa, kumanikidza anokwereta kuunganidza zvakawanda uye kuita hombe makopi magwaro akasiyana-siyana, kuti kutora mari nechikwereti kuna MFIs hazvidi murwi magwaro. Uye nguva zvose zvichapedzwa nokukurumidza zvikuru. The chete akaipa - kunyange kana anokwereta achauyisa pamwe vakawanda magwaro achisimbisa solvency yayo, kuti chimbadzo vachange vachiri kupfuura mubhangi. Mukuwedzera, chikwereti uwandu achatungamirira, kunyanya kana anokwereta chinoshanda kokutanga. Uye chitsama chikwereti achapiwa rakapa chete rubles.

The pamazita magwaro hunozodiwa nokuda chikumbiro, pfupi uye chinosanganisira pfungwa imwe chete - ane chitupa gwaro.

Zvinogoneka kuti mukwereti zvichabviswa kukumbirwa kuti kechipiri gwaro, asi pano anogona kusarudza pachake kubva pamazita, ichakupa womunhu anomukweretesa.

Nokuti kupa mari chikwereti mubereko prices zvichava zvakasiyana, zvichienderana sei mikrofinanosovoy sangano anokwereta inokumbira. Shoma chimbadzo ari kutanga kuiswa nokuti kubvira 0,8 kusvika 2% pazuva. Saka, gore negore kubva muzana kuchaita siyana 292 kusvika 730%.

Kubhadhara mari mukwereti zvinoda vari pfupi nguva kubva shomanana kuti mwedzi mitanhatu.

Kana anokwereta inoenda MFI haisi nguva yokutanga, unogona kutarisira kutambira zvikwereti uye vamwe, nani. mazwi. Akadzokorora chikwereti kunoratidzwa pamwero ipfupi, izvo yakaderera nezvikamu kusvika 2 nguva. Uyewo, akakwereta vangatarisira kuwedzera chikwereti uwandu. Saka, kambani iri kuedza kwete kurasikirwa chimwe mutengi. Pano zvepfungwa kunouya - mu MFI uyu sechinhu chakakomba uye zvakanaka nemhosva kana kupa mari kuti chikwereti uye kupa bonuses, saka nei zviri nani?

Credit kadhi

Imwe nzira kuti chikwereti - ndiko kuti ape kadhi rechikwereti. Maererano nenhamba, kushandisa makadhi pamusoro chetatu chevanhu reRussia.

Chii chinodiwa kuti kwayo kuurayiwa?

Kuti tiwane kadhi, unofanira kuunganidza ane fanana akagadzirwa magwaro, sezvo nevatengi chikwereti. Panguva kwokutanga kunyoresa chikwereti havafaniri kutarisira guru chikwereti muganhu. Kana anokwereta achava basa iri pamwedzi chikwereti muripo, uye kushingaira vanoshandisa kadhi, ake chikwereti pachikumbaridzo kuchawedzera. Hazvina zvakafanira yokubva mari ine kadhi rechikwereti. Chekutanga, hazvina kufarira rwezvemabhengi hurongwa, uye chepiri kuti issuance Mari kubva kadhi basa kunogona kusvika pane chikumbaridzo 5% of rakapa uwandu. Uye dzimwe nguva, basa anogona kusapfuudza nemari yakapiwa kunze.

Kufarira, nokuripira nguva uye dzimwe mari

Kuita kadhi kuwana mari chikwereti hakuiti kutora nguva yakawanda: 1 kusvika 7 kushanda mazuva. Dzimwe anokwereta haafaniri kuenda kubhangi kundoitora - rekutakura basa achanunura nekadhi rechikwereti kumba kwake.

Izwi iri kadhi upenyu paavhareji 3 years. Gore negore, zvichava zvakakodzera kubhadhara mabasa. Mari vachapiwa dzaona kwakavakirwa mhando kadhi: Maestro kana Visa, muganhu rokubhengi, pamwe mari chakakonzerwa namaneja nokushumira mutengi wacho kumahombekombe kusvika kumahombekombe. Rendi of chikwereti achava 5% kwemutongo muganhu.

Selection yakakodzera yokuitira anomukweretesa - ndiwo anozviita zvose mugari. Zvakakodzera zvakanaka kuongorora nezvaanogona zvavo zvemari, kuronga mari uye mari, kwete kuti nekumhanyirira mari kubhadhara zvikwereti nenguva uye kwete achiipa zvavo chikwereti nhoroondo.