The yemaitiro nokuti pakuverenga chikwereti: mhando mutsividzo zvikwereti

Anokweretesa munguva yedu chaizvoizvo chimwe chinhu kunze zvavo rakaoma kuzodana. Consumer zvikwereti nokuti kutenga zvinhu, makadhi, zvikwereti pfupi vava chenhando. Kana kutarira West, rose America mupenyu nechikwereti, uye IMF saka zvavo zvinopa zvikwereti kune yose inoti. Asi ngatitarise inoshanda pfungwa nemaonero avhareji mutengi anomukweretesa. Pano inokosha - iri nzira yokuti pakuverenga mbiri ari chibvumirano, icho anokwereta zhinji kakawanda havateereri. Uye ichi munguva yemberi aigona kutamba navo utsinye chinosekesa.

The yemaitiro nokuti pakuverenga kuripwa pamusoro chikwereti: nezivo

Usati zvipe kwemasvomhu mukana wokuti vanhu vanga, vanofanira kutsanangura zvakajeka mashoko mashoma. Chinhu chinonyanya kukosha chero chikwereti chibvumirano - mutsividzo of chikwereti, kureva, muripo nokuda kwokutanga chikwereti huwandu zvizere.

Asi chete mari, hapana kubhengi kana mari sangano haripi. Ivo kanenge vanoda kuti kuita kuripwa mubereko yose nguva chikwereti. Panzira, kana munhu asingazivi nzira iyi rakazoshandiswa kunyange Templars uye yeFreemasons.

Asi kwete ndizvozvo zvose. Modern chikwereti kukarukureta payakavakirwa zvinoreva kubviswa ngozi chokuita ine tsvagai asiri mubhadharo kubudikidza anokwereta mari anosimbisa purogiramu. Saka, kuwedzera kune chikwereti chibvumirano zvinosanganisira mari inishuwarenzi, redundancy uye zvichingodaro. D.

Kutaura zvazviri, chikwereti kukarukureta payakavakirwa tichitarisa mutsividzo chikwereti, kana kukaitwa zvienzane zvikamu, chingaratidzika somunhu kwakakwana chikwereti mari yakakamurwa romwedzi, kureva, S / N, apo S - ndiye uwandu zvikwereti zvayo yepakutanga chimiro, uye N - nhamba mwedzi (kwete years).

Kana tatanga kubva rendi kunobva mazuva pagore, iyo chikwereti kukarukureta payakavakirwa anotanga hutsva. The chikwereti mari yakakamurwa uwandu kwemazuva zvizere nguva kushandiswa kwayo, uye ipapo kane mazuva nomwedzi uno.

Somuenzaniso, mumwedzi kungava 30, 31, 28 kana 29 mazuva. Saizvozvowo, yose chikwereti mari yakakamurwa mazuva, uye ipapo nomwedzi uno zvikawanda maererano nokuwanda kwemazuva.

Sezvo anogona -bereka

The yemaitiro nokuti pakuverenga yechimbadzo chikwereti kuti zvakafanana pamusoro akapa muenzaniso. Zvinofungidzirwa kuti mukwereti akabhadharira kufarira chete kwenguva chaiyo nguva kushandiswa chikwereti (zuva, vhiki, mwedzi, gore). The chikamu muzana rinowanikwa zvakasiyana. It kungaenderana kuwanda mazuva wakakodzera musi, kana kuti ngadzirambe (mu iyi, kuripwa mubereko zvakafanana chemhosva yacho chikwereti).

Zvisinei, kana tikatevedzera mitemo kazhinji akadikamwa nokuripira afarire nguva yose kushandiswa chikwereti, asi nzira taitsvaka sezvinoita weboka chikwereti mari maererano uwandu mazuva munguva, zvichiteverwa chokuwanziridza maererano chikamu uye uwandu kwemazuva iyo unofanira kuti muripo.

Vamwe mabhanga kupa kuti muripo pa kukura. Zvakare, uwandu mubereko dzaona yakakamurwa kukura pamwe kugadzirira.

Asi ndeimwe dzinonakidza uye kukwezva yokutengesa nzira ndiyo accrual kufarira pakuenzanisa chikwereti chikuru. Nokudaro, nzira kuti pakuverenga kuti chikwereti (muviri, kunyange zvazvo ari Zvakamubatsira mberi nguva) inoramba chete, asi nokukurumidza pane kubhadhara chikwereti wechikoro shoma kufarira mumwe anokwereta overcharged. Panyaya iyi, iyo Delta pakati yaipedzerwa akabhadhara uye zvasara yakakamurwa uwandu mazuva uye ipapo vawanda pedyo kubva muzana uye mazuva chaienzanirana kuitika nguva nokuripira. Asi pano mamwe mabhanga kusangomanikidzira Zvirango nokuti. Izvi zvinonzwisisika, nokuti vanorasikirwa mari.

The yemaitiro nokuti pakuverenga ari pagore negore kubhadhara chikwereti chacho, chii ndiwo?

zvikwereti Pagore Negore dzinoiswa se kusiyaniswa. Pakadaro, kubhadhara zvose ukama wechikoro, repayable zvienzane Yakabudiswa. We kusiyanisa pakati nezvemarudzi maviri kukura: numerando uye postnumerando. Muchiitiko chokutanga, chikuru kubhadhara dzinoitwa panguva chaiyo kana pakupedzisira kwenguva. In rechipiri - pamberi yakarongwa zuva (sokune wokukurumidza nokuripira).

Uye mari pachavo kwakadai kunogona wakaiswa, akasungirirwa Gengi Indexed kufungisisa mitengo zvazvingava, wakaiswa-rokuti, wakashama-rapera, pachishandiswa nhaka, nezvimwewo. D. The nzira kuti pakuverenga ari pagore negore chikwereti kungaratidzwa ari nyore muenzaniso.

Toti, kuti chikwereti yakawandisa 100 zviuru rubles, gore negore interest - 10%, uye chikwereti izwi - 6 mwedzi. Rendi ichava 17156,14, asi mubereko achava kudukupiswa. Kuverenga nhamba overpayment mune imwe nguva, anongoti muwande chitsama chikwereti kuna kuwanda kwemwedzi uye otminusovat azere chitsama chikwereti. Kana edu 17156.14 6-100000 * = 2936.84.

Yakavanzwa pfungwa chikwereti zvibvumirano

Tinofanira zvakare kutaura kuti zvibvumirano inogona kutaurwa uye zvine chokuita inishuwarenzi chikwereti ngozi. Vanofanira kubhadhara vainyatsotarisirwa.

Kuripwa makomisheni zvinogona kuitwa pakutanga, kana akaputswa pasi kukura, izvo zvinogona kukonzera mimwe mari pakusarudza chitsama rendi. Kunewo ose makomisheni Somuenzaniso, nokuti issuance Mari, pamwechete kadhi SERVICING, SMS-Notifications kuti kushandiswa, uye zvichingodaro. D. Shure kwaizvozvo zvose, zvakare, tinorasikirwa mari, uye nokuda kwechikonzero hapana haafungi pamusoro izvi mari.

Mutsividzo zvikwereti

Kana paine kunonoka, muitiro akapa ichi: pakutanga nonoka mubereko vanobhadharwa kure, wechipiri - the nonoka wechikoro muripo, ipapo - Zvirango uye fines. iri kana iwe Pari mumwe chikwereti, izvozvo nokuita mushure nonoka uye default kufarira - rokupedzisira chijana.

mhedziso

Sezvaunogona kuona, kuti nzira kuti pakuverenga ari chikwereti zvichienderana ezvinhu anogona kuchinja. Pano chete chinonyanya kukosha nyaya ndechokuti vari muusungwa kwakadaro, kunyange kupfuura akanaka ezvinhu, hazvina zvakakodzera kukwira. Pasinei ichikwezva zvose, hapana financier aisapotsa mukana mari. Uye, sezvo mutemo, kusanganisira mhosva zvakavanzika uye mamiriro misika yemari, paavhareji munhu acharasikirwa chero zvazvingava.