Chii gwaro mari iri muchimiro pamahombekombe? Batsirai kuumba kubhangi, achizadza mienzaniso

Chokwadi, bhengi nomumwe anofarira kuti ape chikwereti mari chete solvent anokwereta. Kureva, vanhu vane nenguva kudzoka uye kugadzwa huru mari uye dzakava kufarira. Chokwadi, iri "shoko rukudzo" hapana achakupai zvikwereti haina, kunyanya kana tiri kutaura pamusoro zvakawanda kana zvishoma zvizhinji.

Nokuti vaya vane chaiye mari pamwero wakakwirira zvikuru kupfuura pamutemo muhoro, yakanakisisa yokupedza yaizova kubatsira kuumba kubhangi kuti mari. Chii ichi "chikara" iri? Ngatiedzei kutsvaka zvizere.

Nei tichifanira rubatsiro ari muchimiro pamahombekombe kuitei?

Pano, vakawanda vangati: "Nei aida kubatsirwa muchimiro kubhengi?"

Mumakore achangopfuura, vashandirwi kuramba vanosarudza "mubayiro muhamvuropu" kuderedza mutero mari uye zvichingodaro. D. Ndokusaka anokwereta vakawanda vane matambudziko uchapupu mari chechetere. Tarisira kugamuchira zvakawanda kana zvishoma zvakasimba inopfupikisa saka haana zvakakodzera.

Kutaura zvazviri, kugadzirisa dambudziko iri yagadzirwa nzira zano iri kugamuchira mashoko mari haisi zvatinosiita mhando, asi muchimiro kubhengi.

Sezvinoratidzwa gwaro iri?

rubatsiro zvekupfakira ari muchimiro kubhangi riri kutsanya chaizvo. Chokwadi, akasiyana masangano zvingada kuti tsanangurai-siyana mamwe mashoko pamusoro iwe basa, asi huru zvabatwa. Yokutanga:

• anonziwo, zita uye patronymic of anokwereta;
• nzvimbo inogarwa munhu;
• agara munzvimbo ano;
• nguva yose mabasa chibvumirano;
• uwandu mubayiro 6-12 mwedzi. (Zvichienderana pamahombekombe husipo);
• Pamwedzi muhoro nokuti raida mazuva.

The Bank hazvina basa kuti mushandirwi mitero uye dzimwe mari inobhadharwa kuti bhajeti uye siyana dzimwe-budgetary mari.

Chii ndichifanira kutya?

Chokwadi, mashoko pamusoro chimiro kubhangi - a batsira chaizvo chinhu kwamuri somunhu anokwereta. Asi zvinofanira hazvo mvumo waunoshandira.

Pasinei chokwadi kuti pamutemo hapana kutyisidzira webasa simbiso Gwaro yakadaro hazvigoni kuitwa, kwete vose vanobvuma kuti asaine nayo. Vazhinji vanotya kuti kana pepa yakadaro zvichava mutero, uye chaiko nenhanho mushandi muhoro achava yakasiyana kuti akaratidza, maakaundendi makambani anogona kurohwa akanaka uye kudzingwa. Saka, usati tongai gwaro kubhengi mari iri muchimiro zviri nani kubvunza vakuru. Zadzisai kwemari mushandirwi anobvumirana chete mushandi, ndiro chokwadi pa 100%.

kana zvinhu zviri chikwereti akasiyana?

Rubatsiro muchimiro kubhangi - ichi chimwezve panjodzi kuti mamiriro zvemari pacharo, nokuti kubiridzira pamwe kwema akadaro aizivikanwa.

Izvi zvinoreva kuti nokuda issuance of inodiwa mari kubhangi anofanira kuva akachengeteka. Iye akanaka mazwi, muchiitiko ichi haagoni kuverenga - yechimbadzo chikwereti achava yepamusoro, uye chikwereti izwi - zvishoma.

Sei kuongorora mashoko ose mari?

Chero zvazvingava, kukubatsira kugovera kubhangi, vachaparadzwa kuongororwa. In sangano mumwe akadaro kupa rinokosha chairema zvoupfumi kuchengeteka, riri basa iri. Panguva iyoyowo tarisa mbiri nhoroondo anokwereta wacho mukurumbira uye mashoko ose akaipa.

Rine zvinoreva uye rakarurama mashoko raanotaura gwaro, uye yakarurama pamusoro gwaro.

Zvakakosha kunzwisisa kuti kubhangi anogona kudana chizvidavirire dhipatimendi wekambani wako kuziva kana uri mashoko echokwadi zvinoratidzwa gwaro. Dzimwe nzira dziri kushandiswa hazvisi kushoma, asi kubhangi anogona kukumbira Biography wako, hwevakaroorana chinzvimbo, kuvapo kwake furati, motokari uye zvichingodaro. D.

How kuzosimbisa ndibatsireiwo mari?

Hatifaniri kufunga kuti mashoko pamusoro chimiro kubhangi - iyi ndiyo imwe nzira kuzosimbisa ndibatsireiwo mari. Handiti, chinoitwa chete nyaya kana ukagamuchira yepamutemo muhoro, asi chaizvoizvo ari mushandirwi anokupai kupfuura yakaratidza mupepa. Uye rugwaro chaizvo zvinofanira hazvo kuva okudhindira makambani, izvo vashandirwi ndimi.

Kana hazvisi pamusoro "mubayiro muhamvuropu" uye dzimwe nzira kurongwa mari, zviri nani kuti asimbise zvinopa zvisingabatsiri. Somuenzaniso, kana iwe akabvarura mufurati, akakweretesa ndiparidze mari iyi pamutemo, kana iwe omupa chibvumirano uye kuzivisa mutero mari kunyorerwa.

Asi haugari vane chido uye mukana "chipenye" zvavo ndibatsireiwo mari pamberi mutero. Sei kuva iyi?

Zvinonzi kwazara kupa guarantors. The rubatso kunge zvakakwana yakakwirira azvipire "chena" mari uye kupa kubhengi nomwoyo akakodzera certificate. Kana kuti zvimwe chikonzero mukwereti haagoni kuita mari, chemhosva ari chikwereti achaita rubatso chaizvo.

Kana uri okusika (richiswedera, achinyora mabhuku, uye zvichingodaro. D.), A nzira mari, unogona zvakare kuzosimbisa. Chokutanga, unogona kuita pachako Tangai agamuchira kadhi rako account. Chechipiri, Ungangove, kubhangi zvinoda uchapupu pamusoro basa renyu mhando iri (rakabudiswa uye rakadhindwa mabhuku, paintings). Zvinofanira kunzwisiswa kuti "kuchena" mari haambotaurwi kufungwa zvizere. Kazhinji kufungawo 20-40 chete% kuti zvisina mari. Uyezve, mabhengi kufungawo chete mari dzose, izvo zvinouya tichiregeredza mwedzi kwenguva matanhatu.

Uye pakupedzisira, kupfuura yakakunakira nzira - mumwe SWEDERA kadhi kubhangi, iyo nzvimbo yauri kuenda kunotora mbiri. Kana musingadi kunyora imwe mari kuti kadhi, unogona kuita pachako kuti vose mari pamwedzi. Zvakakosha kuti mari akauya kugara uye inenge chete panyaya - mune iyi, kubhangi achava nechokwadi chokuti, chero anopa mari yaunowana, ndiko akatsiga here.

A mharidzo mutsara chimiro pamahombekombe

Sei ruzivo pamusoro chimiro pamahombekombe? A nzwisa gwaro iri kuti "mari Bank" riri sezvinotevera:

Uye pano sei mashoko pamusoro chimiro "Bank of Moscow".

Sezvaunogona kuona, hapana kuoma zvapera gwaro iri harigoni kuva.