Basa rinobudirira: sei kutora zvikwereti nemuipi chikwereti chenhoroondo?

Kana imwe yanyengedzwa, zvakaoma kuyanana nemabhandi mune ramangwana. Kana pane chido chokutora zvikwereti nechakaipa chikoro chekwereti, kuedza kunofanira kuitwa zvakanyanya kudarika kana kune chiitiko chakanaka chokukwereta.

Kwemakore anoverengeka, kutengeserana kwose nemasangano ezvemari zvakabhadharwa mune imwe nyika yekodhidhi yekodzero, nzvimbo yekodzero yemakadhi, saka kana iwe wakanga uine chikwereti uye ukabvumira kudengenyeka kwemari chikwereti mune imwe yebhandi munyika, mamwe mimwe masangano anogona kuwana nyore nyore pamusoro payo. Zvisinei, ichiri kukwanisika kuwana mari neyakaipa chikwereti chenhoroondo .

Kune nzira nhatu huru dzekutenderera dambudziko mamiriro ezvinhu:

• Tsvaga chikwereti uyo asina hanya nezvakaitika kare, uye haadi kukumbira chikwereti chekwereti;
• Tsvaga munhu anokwereta uyo akagadzirira kuvhara zvivi zvako;
• Iva nechokwadi chekugona kukweretesa kuti panguva ino haungakuregi iwe, hazvizopindi zvinyorwa zvesungano yechikwereti.

Avo vasingabatsiri chikwereti

Nzira iri nyore yekuwana sarudzo ndeye apo chikwereti chenhoroondo yako haina kuita basa. Mari nezvikwereti chakaipa zvinokonzerwa nemasangano akawanda ehurumende, nekuti haafariri nezvechiitiko chako chekare chekukweretesa kune dzimwe nzvimbo. Kune vanokweretesa vakadaro vanogona kuve vakafanirwa nekambani "Home money" kana "MigCredit", "Nano-Finance" kana "Monet."

Zvechokwadi, mari yekubhadhara mari kubva kune vashandi vakasiyana neyekare kare ichave yakakwirira zvikuru kupfuura apo iwe unosangana nebhangi, asi pangozi yavo pachavo vanonyatsokumbira kubhadhara mari. Muyero weiwo ma microloan anokwanisa kusvika kusvika 1-2% pazuva.

Kunzwisisa chikwereti

Kunewo zvivako zvebhengi zvakavimbika zvinopa zvikwereti nechakaipa chikoro chenhoroondo, iyo inosanganisira mabhanki Tinkoff, OTP, Otkrytie, Home Credit, Renaissance Credit , Russian Standard. Vose vanobvuma kuvapo kwekumhanya kunonoka uye matambudziko maduku pamwe nekubhadhara kwezvisungo. Zvisinei, kana iwe wakaita mhosva yakaipisisa mumunda wemari, ipapo magonhi avo achavhara mberi kwako. Nhamba yezvikwereti kune zvikwereti kubva kumabhangi aya inogona kudarika 30-50% pagore, asi izvi zvichiri kugamuchirwa.

Akangodhara chikwereti

Chikwereti nechakaipa chikoro chekwereti chinogona kutorwa apo bhangi inopa mamwe mavimbiso ekubhadharwa mari. Kushandisa chikwereti kubhangi chero ripi zvaro, iwe unonyorera pari huru yemabhuku
Uye zvivimbiso zvinotsigira ikozvino solvency, uyewo inopa dhamari - bhaari, mariro, inshuwarisi kana dzimwe nzira dzokudzivirira bhengi kubva pakurasika mari.

Zvinonyanya kufadza kugadzirisa bhengi nekunyoresa kweimba yekutengesa sezvikwata, zvino zvichakwanisika kukwereta mari yakawanda kwenguva yakareba uye zvishoma nezvishoma kufarira 15-20% pagore, uye kubhadhara mari yechikwereti ichocho zvisingasviki. Muchikwereti chisingabvumirwi nebhaari, asi kukwezva hama yekubhadhara kana kuzivikanwa kuchabvumira kushandisa mari yakakwereta pa20-25% pagore, kunyange iwe iwe pachako usingaiti chivimbo mubhangi. Chinhu chikuru ndechokusavimbika kwer guarantor.

Nokudaro, kukwanisa kutora zvikwereti neipi yakaipa chikoro chenhoroondo kunepo, uye zviri kwauri iwe zvakadini zvingakubatsira iwe. Sarudza chakanaka chakanaka uye ukwereta mari yakakodzera.