Zvikwereti pamusoro zvikwereti: zvokuita? Chikwereti abhadhare zvimwe zvikwereti

Kuwedzera kwakaita chikwereti musika kunotungamirira kuti vanhu vajaire kugara kupfuura yavanokwanisa. A mukana chaiye kuti pakarepo kushandisa chinhu kuti haasi zvinodhura chaizvo, kumanikidza zhinji kukwereta yakakura inopfupikisa pasina kufunga kuti pakupedzisira, mari kupa.

Tora mumwe, uye kubhadhara dzavo

Kazhinji nokukurumidza kuenda, kurwara kana chete irresponsibility kunodzivisa akakwereta kuzadzikisa ayo chikwereti mitoro nenguva. Asi kukanganwa kwakadaro "zvakaipa" nokururamisira nyore. Kuripa vaviri nguva nokugura wakanaka mukupera mubhadharo, kwakondiko iwe kuvakazve kurayira kwavo zvemari. Zvisinei, kazhinji, zvose izvi zvikuru kunzwisisa. With upfumi dambudziko, vakawanda vanhu vanorasikirwa kwaniso yavo yekubhadhara. Kana izvi imhaka nebasa kana kuti zvimwe zvikonzero, hazvina kukosha.

Zvikwereti pamusoro zvikwereti. Zvokuita? Dambudziko muupenyu uye mune chikwama chako

Averenga chero chikwereti chibvumirano, imi muri chokwadi kuwana pane pfungwa iri iyo zvachose anofanira kuzivisa kumahombekombe kuchinjwa muupenyu hwako, kana zviri kuchinja address, nzvimbo basa kana mhuri. Kunyanya nezvezvitadzo mano ako kubhadhara. Chinhu chokutanga unofanira kuita - kuenda kubhengi uye kuti nani mbiri kana nhatu mavhiki anokarirwa kwaita chikwereti. Edza kutaurirana munhu kunonosa kana dikidiki muripo purogiramu. Saka unogona kuratidza kubhangi kuti muri vo hanya zvikwereti pamusoro zvikwereti, dzidza sei kugadzirisa mamiriro ezvinhu shoma nezvinhu pachavo.

Yeuka, Nhaurirano zvose pamwe kubhangi zvinofanira kuitwa chete kunyora. Naizvozvo, iwe uchagona kuratidza kuti zvechokwadi nyaya kupfungwa nechinangwa kugadzirisa dambudziko wenyika. Chikumbiro achaita batanidza magwaro achisimbisa kuti chikonzero, kuti iwe kuenda kubhangi, zvakanaka chaizvo. Zvinogona gwaro kubva waunoshandira kuti iwe ashaye mubayiro, kopi basa rekodhi chete nhoroondo kudzingwa, gwaro nebasa centre, mushoma kubva uchi. mepu inoratidza chirwere uye pakutengeserana nokuti nzira zvinodhura kana zvinodhaka. Vashandi vaiva pamahombekombe kuongorora uye chiito chakakodzera.

Kana usina mukana kushanyira chevanorwara zvemari mune munhu, kutumira tsamba kuna magwaro, chete hazvo vanopupurirwa pamwe kudzoka chionekeso zvakumbirwa.

How zvikuru ndiyo kunonoka

Tinogona kutaura kuti kubhengi kwenguva yakati kunotobatsira "kukanganwa" kuti vatengi, sezvo aifanira kubhadhariswa rimwe zuva kunonoka ari chikwereti. wakanaka pakukura zvingava 0.01 kusvika 3% pazuva, kana yakaratidzwa wakaiswa mari. Pane zviitiko apo kubhangi inobhadhara mubereko kwete chete pane pachake chikwereti, asi pamusoro fines uye marangirwo hazvibhadharwi pamusoro nguva. Zvino uwandu chikwereti kunowedzera anenge exponentially ose zuva.

Uyezve, anenge ose chikwereti chibvumirano chine muvaravara pasi iyo pamahombekombe anogona unilaterally zvinoda mangwanani mutsividzo pamusoro chikwereti nokuda kutyora chibvumirano chibvumirano. A kukundikana kubhadhara unongova yakadaro aparadza iri.

Zvinobatsira kuti kuvanza?

Saka, une zvikwereti pamusoro zvikwereti. Zvokuita? Options kugadzirisa mubvunzo yakawanda, asi chii chaizvo havafaniri kuita kuvanda kubva kumahombekombe nezvinetso zvemari yako. Rega kufunga kuti iwe kukangamwa uye kukanganwira chikwereti. Kana mari sangano vashandi regai kutsamwisa panodana yenyu uye tsamba, zvikonzero zvingava zvakasiyana, asi kukanganwa - chete hapana mumwe wavo. Mamwe mabhanga havambokwanisi nhamba vashandi kuti sei nokukurumidza kune kuchangotanga kunonoka, uye nokuda vakaparadzana ezvirevo - a mhando vemabhizimisi, saka kutaura, chimwezve rine mari. Chokwadi, nguva refu iwe hazvitsivi, uno- pakupedzisira kubvunza, kunyanya kana iwe wakatora chikwereti mhosva chero pfuma.

Wangova nonoka kubhadhara akawanda, kubhangi achanyora newe "zvakarongwa dema", uye chikwereti nhoroondo richakanganisika. Kunyange kana ukasarudza nyaya pamwe chemhosva yacho chikwereti, kana muka matambudziko matsva. Uye kana uwandu chikwereti chikwereti kuchaita pfuura miriyoni 1,5 rubles., A bhanga zvingada kuzivikanwa imi dodgers. Muchiitiko chino, iwe vanotyisidzira kwete chete fines makuru, asiwo chaiye mujeri - kusvika makore maviri mujeri.

Regai zvinobvuma! kugadzirisa

Vaunganidza chikwereti pamusoro zvikwereti? Bvunza webhanga tsvimbo nezvomukana kugadzirisa kunodikanwa pakutanga. Muna 90% nyaya vachazowana zvauri kupomerwa kuti vatengi vavo vari mumamiriro ezvinhu akaoma. Izvi zvinoitika nokuti mutemo kubhangi vanofanira wayo mari kuumba homwe anofukidza chinoshamisa kwezvikwereti. Izvi zvinoreva kuti kunoderedza mambure purofiti kupfungwa, asi kwete ayo zvinhu. Saka, chero bhengi ichocho kuziva kuti akadaro mari yakanga duku zvikuru, nokuti mari inofanira kushanda.

Chinhu chokutanga kuita kunyora mashoko pamusoro kugadzirisa chikwereti. Pashure pokukurukura kubhangi anosarudza zvaunoita inotevera. The chinetso nokuti muchava kwemamiriro chibvumirano chitsva (kana okuwedzera chibvumirano kuti chaivapo) kwenguva refu ine mawa kuderera uwandu pamwedzi nokuripira.

Dzimwe nguva, kunyanya kana unogona kuratidza kubhangi kuti dambudziko une nguva, unogona kupa chikwereti zororo. Izvi zvinoreva kuti chemhosva kuti wechikoro ari chikwereti iri yakaturikwa, uye achava kubhadhara chete mubereko. Fines uye Zvirango iyi, zvakare, haringapiwi kupomerwa. Izvi mabhanga basa rinogona anokwereta dzavo kwenguva vhiki rimwe kune vaviri mwedzi. Kana panguva ino, mamiriro ezvemari wako asingadi kuvandudza, tichafanira kuwana imwe nzira yokubuda.

Another chikwereti? refinancing

Kana kugadzirisa chikwereti hamuna kushanda, uye nokuda kwechikonzero kubhangi akaramba imi, munogona kuedza imwe nzira - chikwereti abhadhare zvimwe zvikwereti. Refinancing kunogona kuwanikwa panguva sangano chete kana kutaura zvimwe kwaunoda.

basa kwakadaro kungava akakodzera Somuenzaniso, kuti chikwereti, kana iri nyaya apo chikwereti iwe vamwe. Mumamiriro ezvinhu chikwereti abhadhare zvimwe zvikwereti kuchabatsira kudzivisa kuvhiringidzika pamwe vachibhadhara kuti mabhanga siyana. Mushure maturities zvose dzingasiyana, uye mukana nonoka inotevera mubhadharo kunowedzera nguva zhinji. Zvingava here kutora chikwereti mutsva mari yakakwana kuti uzere mutsividzo vamwe zvikwereti zvose, uye kuti kunyatsotevera kuongorora kuzadziswa rakakodzera dzaro mitoro.

kwezva rubatso

Une zvikwereti pane zvikwereti: zvokuita? Tsvaka yakavimbika rubatso. Iyi ndiyo imwe nzira kugadzirisa nyaya, izvo zvinogona kupa imi chikwereti mukuru. Chero bedzi iwe urege peregruppiruete mari yavo uye kutanga kuita mitoro yavo izere, ari rubatso achaita somunhu rubatso mano ako kubhadhara. Chokwadi, unofanira kuratidza solvency ari rubatso, zvingava zvinoda yakazara pasuru magwaro, kazhinji zvakafanana mukwereti. Zvisinei, yeuka kuti kana iwe uchiri havagoni kugadzirisa pamwe kubhangi, vose mutoro vachawira pasi rubatso.

Anoenda kunovhima: vateresi uye kuora mwoyo

Kana iwe chikwereti madhora gumi, uye kukurukurirana vashandi pakati kubhangi iwe Dodge, chikwereti chako zvinogona kuchinjwa kuti muunganidzwa makambani. Dzimwe nguva zvivako izvi zvakazara kudzikinura chikwereti chako kubhengi pamusoro chikwereti, asi vateresi vazhinji kushanda naye mashoko outsourcing. Kureva, vane imwe yakazara neimwe nyaya. Kutaura nemakambani rinowanzova zvikuru chisingafadzi pane kukurukura kubhengi vashandi. Kunyange zvazvo ivo vanotarisirwa kuita mukati wepamutemo kuumbwa, mune tsika, ichi zvinoitika kwete nguva dzose.

By mutemo, kuti nomuteresi anofanira kutanga kutaura nemi parunhare uye edza kuti abvume kuti kubhadhara chikwereti nokuzvidira. Uyezve, kosi rakananga tsamba. The nemuteresi anofanira kuzivisa nemi achinyora kuti akadzidziswa kubhangi kuti apfidze chikwereti vamuri pamusoro chikwereti, tsanangurai uwandu chikwereti uye maturities. Kana kudanwa ichi chakarambwa nemi, mudonzvo muunganidzwa makambani vanoedza newe munhu. Kuti vaite izvi, vanogona kuuya kumba kwako kana basa. Kana pasina chiito angasvikira yakanaka mugumisiro, muunganidzwa kambani angashanda kudare kuti rokumanikidzirwa muunganidzwa zvikwereti.

Kana izvi zvaitika, unogona kuedza kushandisa kuminamato antikollektorov. Ava masangano epamutemo, musimboti basa kudzivirira anokwereta kumabhanga kana vateresi. Uyewo depressant kunogona kubatsira kuderedza uwandu akanaka uye kuti vabudirire kutendeuka chirango pamusoro chikwereti.

In dare?

Kana uchiri havabvumirani zvine rugare pamwe kubhangi, ipapo tichikufunga izvozvo kuchaita enyaya kudare. Ndinotya ichi hachisi zvakakodzera, chikwereti nyora-offs pamusoro zvikwereti angangotadza zviitike, asi panguva kutongwa chikwereti uwandu zvichabviswa chando. Izvi zvinoreva kuti hamucharambi -bereka Zvirango uye fines uye yaipedzerwa kuchanyarara kumuka zvishoma nezvishoma. Ndokusaka nemabhangi kazhinji kuenda kudare chete sezvo chokupedzisira. Pashure pezvose, kusvikira zvinoitika, uwandu chikwereti chako kuramba ichiwedzera, uye naizvozvo, kunowedzera uye fungidzira mari yacho kubhangi. Dzimwe totaura chokwadi kuti yaipedzerwa Zvirango uye kufarira nokure chikwereti pachayo. Kana iwe unoziva chaizvo musingadi kukwanisa kubhadhara chikwereti munguva yemberi iri pedyo, uye chibvumirano kubhangi haagoni - kunzwa vakasununguka kuenda kudare pachavo. The dare Chokwadi, achasarudza kana kuti chikwereti iwe shure, asi achitsigirwa ane gweta ruzivo, uchakwanisa kuita zvikuru akakodzera pachavo zvinhu zviri nokuripira.

hunoshanda zano

Usava zvakare kuvimba kuti kubva expiry pamusoro kukamurwa nguva (3 years) pakati uchakanganwa. nzvimbo iyi unogona kutamba nemi kwakaipa chinosekesa. Pashure 3 years, anoshanda kudare kuti kukwanisa kwete chete kubhangi, asi imi muri. Saka chokwadi iye havazokwanisi wokugadzirisa chikwereti chako. Asi hapana zvingavhiringidza kuti atengese yenyu chikwereti vateresi. Naanamai izvi vachakwanisa akapamba hwako upenyu kwenguva refu, nekuti havana murau zvausingakwanisi. Uye vazhinji vachange vava kukwanisa kutora nemi vateresi, Mwari anoziva.

Chikwereti akaita kubhadhara: raachatumidzwa

Kana iwe wakatora chikwereti pamusoro motokari, mufurati kana zvimwe zvinhu, chinhu chokutanga vatevedzere achava kuburikidza yavakatengesa pfuma. Kana mari iri kushomeka, uye bailiffs maziso akatendeukira mari mu National kana vatorwa mari, uye kuti. Zvadaro, muna nzira vasara chikwereti pfuma vachatitaka, kana ichiwanika. Kanenge kutambura muhoro wako, chete yepamutemo uye kwete kupfuura 50%.

Uye kuti iwe havazokwanisi tonotora

Musareverana uchatorwa kubhadhara chikwereti pamusoro chikwereti:

• zvokudya, mari yakaenzana mari kurarama zvose dzemhuri;
• zvemumba uye zvemumba - .. Clothes, shangu, zvakafanira fanicha, nezvimwewo, kunze muumbozha zvinhu, izvo zvinogona semhosva wokuwachisa, microwave, zvokudya processor, juicer, TV, etc..
• zvinhu zvinodiwa zvavo mabasa Somuenzaniso, kana uri violinist, violin achava nemi;
• Zvinhu Kuva munhu akaremara - madondoro, pawiricheya (kunyange inodhura kwazvo);
• dzinovaraidza, zvipfuwo, yehuku, kana vari akaberekwa nokuda kwavo pachavo zvinodiwa;
• mibayiro, mibayiro, National mibayiro, Medals;
• evanhu kushivirira, makomborero uye muripo Somuenzaniso, akapona.

Nenzira, mukamuri nokuda kwechikwereti kwemutongo anoenda iwe chete kana zviri - kwete pekugara chete, akakodzera zvachose mhuri dzokugara kana rubatso pamusoro chikwereti. Izvi zvinoshandawo mudzimba uye nenyika.

Ndingaitei kunzvenga izvi mune ramangwana

Zvinoodza mwoyo chaizvo kana paine zvikwereti pamusoro zvikwereti. Zvokuita kuramba izvi hazvina kuitika, mumwe nomumwe anozvisarudzira. Zvisinei, kuchengeta nyore mitemo, tinogona kuedza kuzvidzivirira kubva ezvinhu akadaro.

1. Usati atore chikwereti, funga nezvokuti sei muri kupa.
2. Musatora zvikwereti akawanda panguva kamwe. kubhadhara vanogona pakupedzisira kuva unaffordable.
3. Verenga chikwereti chibvumirano, zvikurukuru nzvimbo, rakanyorwa kudhindwa duku. Ipapo marangirwo uye mari hakuzovi vanoshamiswa pamusoro pako.
4. Kana chikwereti yakawandisa yakakura zvakakwana, edza kuti inishuwarenzi, mune ramangwana kuti kubatsira.
5. Mune chiitiko upi zvisingafanoonekwi ezvinhu hwobva kutaura kubhengi uye edza kugadzirisa nyaya norugare.

Vanotevera nhungamiro idzi, uye imi vanokanganwa nezvematambudziko, kusvikira nguva yakadaro kusvikira wasvikapo chikwereti chitsva.