Apo kuti chikwereti pamusoro chikamu chiduku? Low chikwereti

Vazhinji vanhu Western nyika kwenguva refu anoshandiswa kugara nechikwereti nguva, uye kuRussia kurarama chikwereti wokuva Kunyatsoziva rimwe gore. Nokuti vanhu vazhinji uchingounganidza runodiwa mari, kunyanya guru, ndiko nyore - nyore kukwereta. Panyaya iyi, mubvunzo sei kuwana nevatengi chikwereti pasi kadiki yechimbadzo mupfungwa dzedu dzakawanda vomunyika. Pakutanga, hazvina kuoma chaizvo - kudzidza vaitaura kuti mabhanga akasarudza nhamba duku uye mberi mapepa ane chokuita nomufi. Kutaura zvazviri, matambudziko akawanda zvakavigwa mumagazini ino. Saka ngationei kunzwisisa kutora chikwereti apo kuti chikamu chiduku, uye kwete igumburwe pamusoro zvipingamupinyi zvisingaoneki.

Ndiani anofanira chipa chikwereti

First ndiko kuziva kuti chii chinangwa unofanira mari. Somuenzaniso, kana uchida kutora hombe chikwereti pamusoro chikamu chiduku kuti kuunganidza pfuma, zvakanakisisa ukanyatsoongorora vaitaura pamusoro zvikwereti chikwereti - uye bheji duku zvakakwana, uye chemhosva munhu chinokosha kwenguva.

Kana ukasarudza kutenga motokari, zvakanakisisa kusarudza mubhengi, kushanda kwehurongwa zvaunoda gosavtokreditovaniya, muchiitiko ichi, vamwe kufarira iwe mari pamusoro mamiriro. Asi kana ukasarudza kunotsvaka, apo kuwana chikwereti pane chikamu chiduku zvimwe zvinangwa - kugadziriswa, zororo, zvakakwana kuchinja wenguo kana kutenga kudhura imba midziyo yemagetsi, zvino nyaya ino iri kwauri. Chokutanga, ongorora pemahombekombe 'vaitaura uye kusarudza vaunofunga dzakakodzera. Kana mari uchida haasi nokukurumidza - unogona kumirira zvimwe pazororo Somuenzaniso, usiku hwokupedzisira ari New Year, mabhanga akawanda kupa yakaderera kufarira rates zvakasiyana-siyana bonuses.

Sei kudzikisa chimbadzo

Kana apo iwe haudi kumirira, unogona kuedza kuderedza mwero zvaipiwa pamahombekombe. Somuenzaniso, pasi-mubereko chikwereti kunogona kuwanikwa mune tsika nemari apo uri kuitika muhoro kadhi. Anonyatsozivikanwa mabhanga kazhinji zvauri kupomerwa dzavo dzose vatengi.

Imwe nzira yokuderedza overpayment ndiyo pamasikiro chikwereti pasi rubatso yakanaka kana kubatanidzwa mumwe kana guarantors akawanda. Edza kana zvichibvira kuti ape Vanosarudzwa zvikwereti - prices pamusoro pavo nguva dzose yakaderera.

Saka zvakanaka nzira yokuderedza overpayment ndiyo mukana kudzorera mari nekukurumidza, saka usati muchipinda chibvumirano ne kubhangi, bvunza kana unogona kubhadhara chikwereti mberi purogiramu uye pasi izvo ezvinhu.

Kana uchida zvishoma kwenguva pfupi nguva, kuwana kadhi - zvinenge zvose tine nguva nyasha panguva iyo mubereko hachiverengerwi zvachose. Dzimwe nguva anouya mwedzi miviri, uye zvakakoshesa, kuti kudzorera mari iri nguva.

The yakanaka munhu akanyorera rimwe kokupata chikwereti

Kutsvaga mari chikwereti kuti chikamu chiduku, pasi zvimwe zvinodiwa zviri nyore zvakakwana. Heino zvinodiwa shoma kuti zvicha- zvakanaka mugumisiro:

• Ita panze chikwereti nokuda shoma zvinoita nguva;
• unganidza kupfuura kwakakwana pasuru magwaro;
• kupa kupfuura kuvavarira zvikwereti;
• kupa ruzivo kubhangi, achisimbisa kuvandudza mano ako kubhadhara;
• ndinoiitawo richava pamutemo basa;
• zvinopa bhangi mvura koratararo;
• tarisa yenyu chikwereti nhoroondo - neatly kuita zvaida kubhadhara;
• Edza kushanda pamwe chete pamahombekombe kwenguva refu sezvinobvira - kuva dzose mutengi;
• Kana kutora mari pamusoro pokumuka kwayo nyaya, iva nechokwadi kuti vazviise kubhengi yakanaka mabhizimisi kuronga uye muuye guarantors wandei.

Kupi Ndinogona kuwana akakodzera kupa

Nhasi, ruzhinji rwevanhu kudzidza nyaya Otomi, apo kuti chikwereti pane chikamu chiduku, vari kutendeukira kuna Internet mabasa. Zvechokwadi, vaitaura padandemutande Zvaifadza mari, asi nzira iyi ine zvakanakira nekuipira. Aimbova ndechokuti anenge ose panzvimbo ine yayo chikwereti karukureta, iyo unogona ngaaverenge chitsama overpayment, pasina pamba. Uyezve, unogona kuverenga kwete chikwereti chibvumirano, asi kudhinda kunze kuti zano rimwe gweta. Saka, zvinokwanisika here kudzidza vaitaura vazhinji zvemari masangano, pasina kutambisa nguva iri nzendo refu uye muchichinjana.

Ukuwo, Indaneti, unogona kubvunza kubhangi pamusoro dhisikaundi uye vanorasikirwa mukana kutaura mhenyu munhu. Dzimwe nguva chikamu muzana inopiwa Bank, kungaenderana maneja wacho pauzima. Panzira, pane zviitiko apo mubhengi mushandi anogona kukupa pfungwa zvikwereti icho mashoko pamahombekombe wacho Website asi (somuenzaniso, kutaura nezvewikendi zvokushambadzira chirongwa).

Dodge mabhanga

Ikozvino ngatitaurei pamusoro chii nguva dzose zvinobatsira yakaderera-mubereko chikwereti. Oddly zvakakwana, asi vaduku chimbadzo zvinoratidzwa okushambadza, mune tsika, kazhinji zvinoitika kuva nakisisa overpayment.

Chii chinogona kunzi kamari chimbadzo? Chimbofunga mienzaniso mishomanana:

• 1% pazuva;
• 11% pamwedzi;
• 10% PA + 0,8% nhoroondo rechengetedzo;
• 16% (hapana mari).

Kutarisa nhamba, ungafunga kuti yakadereresa mwero - 1%, uye soro - 16%. Saka kana kuri chokwadi, ngationei kuverenga:

Rimwe muzana chete zuva rimwe gore achava 365% pa annum. A mijenya, zvakarurama? Uye kana uchida chikwereti kuti 2 kana 3 years? Vakanzi?

Chimwe musimboti: 11% 12 mwedzi x = 132% pa annum. Yakawandisa.

Next, tine chete 10% pagore - hunoita zvishoma, asi kana tinoisa vachibhadharisa pakuchinja SERVICING nhoroondo munguva gore 0,8% X 12 mwedzi = 9.6%, mugumisiro tinowana zvishoma pane 20%. Uye vose vakatanga saka zvakanaka ...

Zvino tora mukuru pakutanga kuaona yevanhu 16%. Kana pasi chibvumirano chaizvoizvo hapana mhosva basa, akasiyana-siyana nebasa uye zvichingodaro. E. akavanzika, uyu musiyano mukuru uchidzidzira aizova yakachipa pashiri.

Saka kuti pacharo ane pasi chikamu hapana zvaanotaura. Kuti tiwane zvinobetsera kupa, unofanira kuziva uye kunyatsoongorora overenga vose mari kuti vachawira pamapfudzi enyu.

panzvimbo imwe epilogue

In mhedziso, ndinoda kutaura kuti kutsvaga mubhengi, apo kuti chikwereti pane chikamu chiduku hakuzovi kwakaoma, anogona chete navo kuti nyaya iyi zvakasimba. Yeuka, hapana sangano zvemari haazorambi anoshanda kurasikirwa, uye chikwereti chiduku chimbadzo hazvirevi "vakasununguka." Saka totarisa "zvayakanakira" uye "nezvayakaipira", dzidza napo vaitaura. Uye imi muri chokwadi kuwana zvakanakisisa chimbadzo, iyo ichava "pasi" rinongova kwamuri.