How kuverenga chikwereti kubhadhara? How kuverenga rendi pamusoro chikwereti?

Rare munhu nhasi Anokwanisa kwete kutora chikwereti. Asi vamwe ndiro chete mukana kugovera pachavo nemhuri dzavo dzimba, asi vamwe - nzira zvorudzi mafaro siyana, izvo zvinogona kunzi motokari itsva, kwezvokufuka shangu kana rwendo kuenda rwendo. Chero zvazvingava, chikwereti - chikamu hwedu, uye zvingava zvakanaka kuti kunzwisisa sei kuverenga zvikwereti zvemba. Zvinoita kuzviita pachako kumba? Kana uchifanira kuva nyanzvi?

mamiriro ezvinhu zvayakaita

Mumakore gumi apfuura, paiva Kuwedzera kwemutongo musika, pamwe kunyanya dzakakurumbira akanga anokweretesa vanhu. Kukurukurwa kuti mari kuverenga vanhu yakawedzera zvishoma. Kutaura zvazviri, zvakarurama, kuti vanhu vakatanga kutarisira mari yako uye kufunga nezvokuti zvikuru vanopedza. Ndaifanira kuronga mari Rwako uye chipo, umo mari pachava kuripwa chikwereti. Chakavanzika ndechokuti Kuwanikwa chikwereti anoita unokanganwa pamusoro pfungwa chokwadi. Kuti, munhu nguva dzose andisiya nechiyero mari, kana kadhi rechikwereti kana chikwereti yokutsanya. The zvakawanda kunonyatsopupurira kuti kushambadzira anovimbisa kuti chikwama chako kucharamba mari zvipfeko zvitsva kana motokari cover. Pink chifukidziro kuserera Saka, kana yava nguva yokuti payback.

Usati wasarudza

Hongu, unofanira kusarudza pamusoro chikwereti! Uchaita kukwanisa kuwana mari rendi? Uye kunokosha chaizvoizvo here ndicho chinhu kuti unoda kukwereta mari? Unofanira kubvunza nhengo dzemhuri uye Chokwadi, haufaniri kutora chikwereti yokutanga kuona. Offers siyana pakati pemahombekombe, uye dzimwe nguva vanogona kuva runobetsera yenyu chaiyo kutsvaka. Somuenzaniso, zvinogamuchirika ndivo vanogona aronga pamudyandigere, vadzidzi kana vaduku mhuri. Zvinofanira kufunga zvaungaita uye simba majeure, kana mari kubhadhara chikwereti nyore haazovanzwiri. A zvinoverengeka nemabhangi anoenda kunosangana vatengi uye anopa chikwereti kugadzirisa. Bvumiranai akawedzera chivimbo kana vakafunga kunze zvashata kupukunyuka pakutengeserana. Uye, chokwadi, zvinokwanisika kuverenga pachine mubhadharo pamusoro chikwereti. "Mari Bank" Somuenzaniso, anopa mukana yakadaro paIndaneti. On pamutemo Website ane karukureta zvinogona mishonga runodiwa mari, uye akasarudza chikwereti izwi.

Mukuita asarudze

Saka, sei kuverenga zvikwereti zvemba? Uye nei izvozvo, kana kubhangi kuita zvose woga? Nokuti chivimbo chakakwana pachena yemabasa, maumbirwo vachibhadhara uye hapana yakavanzwa mari. Unogona kuita rokutanga Masvomhu kumba, ane karukureta, penzura nebepa.

pagore negore kubhadhara

The inonyanya kufarirwa anomukweretesa miitiro vari pagore negore kubhadhara. Verengai kwavo kwakafanana kwenguva ya mbiri chibvumirano. mubhadharo ichi chine zvikamu zviviri: mari kuenda zvakananga kuripwa chikwereti uye mubereko dzakava pamusoro uwandu chikwereti. Kusvikira pakuguma kuripwa mari inoramba chete, asi pakutanga riri hunodzorwa mubereko, uye pakupera - chikwereti chikuru. Uye sei kuverenga mari iri chikwereti ichi mhando? n )/((1+%) х ( n -1). Pane rinokosha inonyatsoita kuti: R = C * (% * (+ 1%) X n) / ((1 +%) X (n -1).

In yemaitiro ichi, P - ndiyo uwandu muripo, C - ndiko kuwanda chikwereti. n – это срок начисления в месяцах. Naizvozvo% - kunoratidza chimbadzo, uye N - ndiyo accrual nguva mumwedzi. zvakanyatsorurama ngaaverenge purogiramu vachibhadhara pamusoro chikwereti, gore negore kubva muzana mwero inogona kuchinjwa kuti pamwedzi, uye ipapo runoratidzwa grade hacho. Zvachinja kunze rendi.

Up kufambidzana nomumwe

Asi kana waita chikwereti chibvumirano kumusoro purogiramu musi mamwe mazuva, uye saka inoenzanirana wepagore kuchinjwa kuti zuva, kureva, yakakamurwa mazuva mugore. n растёт. Kukosha N inowedzera. Kana pakuverenga mwedzi uye nezuva prices musiyano muduku, chete vaviri gumi rubles, asi chinogona kutakura uremu. Kana uine chivakwa matafura, unogona ndivakire analoginen bhengi mubhadharo kusvikira zuva.

Saka tinogona kupinda kukurukura imwe zvikuru yokuti "kusiyaniswa mubhadharo." Chii uye sei kuverenga mari iri chikwereti ichi mhando? Saka, munhu kusiyaniswa mubhadharo rwakasiyana pakuti zvinoderedza kurutivi kuguma rokuti chikwereti, wayo chikuru mugove - ndiwo chamakarairwa chikwereti, uye vamwe - the chikamu pamusoro vasingabhadharwi pachiyero.

Ngatidzokerei mubvunzo sei kuverenga chitsama kuripwa pamusoro chikwereti. Yaipedzerwa chikwereti kuti kugoverwa kuwanda kwemwedzi chawakaronga anomukweretesa. The zvichiguma nhamba Nde pakukurukura. B = S: N , где B – является основным платежом, S – размером кредита, а N – количеством месяцев. Kukarukureta kungoti inonyatsoita - B = S: N, sezvamakaropafadzwa B - Nde delivery, S - chikwereti kukura, uye N - inoverengeka. Asi izvozvo handizvo zvoga, nekuti unoda zvakawanda uye kudzidza kuverenga rendi pamusoro chikwereti pamwe mubereko. p – годовая процентная ставка. Pane vanoda kukosha rimwe - p - wegore chimbadzo. Chokupedzisira kukarukureta uwandu chikwereti unofanira kane gore negore chimbadzo uye vagovane mugumisiro nokuda kwemwedzi 12.

Kuti varege miscalculate

iwe kunyange kana overenga pachine mubhadharo pamusoro chikwereti, Sberbank Somuenzaniso, anogona pakarepo kushamiswa Muchidimbu, sezvo ichava inishuwarenzi ndiripo anokwereta. Kana chikamu muzana vanogona nekusiyana, kuva akavimbika, kana pane bonuses dzemaitirwe. Somuenzaniso, nhamba zvingava zvishoma kupfuura kubhengi vashandi. Of inishuwarenzi mari uye dzimwe nguva kusiyiwa kana, Somuenzaniso, chikwereti izwi iri diki, uye inishuwarenzi mari haana anoruramiswa. Asi mumamiriro ezvinhu umo chikwereti iri rakapa, inishuwarenzi ndiye rokumanikidzirwa, uye panyaya vakaremara huru anokwereta wacho chikwereti anogona kunyorwa kure.

Takurukura ezvinhu akatendeseka kwazvo unhu sangano akapa mbiri, asi zvinoitika uye kuitira kuti mabhanga vanoita kururama. Somuenzaniso, munhu anogona achiri kuwana anotaura mubereko zvikwereti, izvo, nhamo, zvikasaitika! Just accrual uye nekutumwa zvose magwaro akanyorwa mbiru "Mamwe mari uye makomisheni." Uyezve, dzimwe nguva vashandi kuti mabhanga kupa chaizvo vanoshorwa zvikwereti ezvinhu, kuvimba vasingazivi vatengi. Kufunga kuti kuverenga rendi pamusoro chikwereti, unofanira kukumbira printout munhu mabhanga shoma vakasarudzwa kuenzanisa mari yechikoro uye mhosva, uyewo kusarudza kwazvo segirazi anomukweretesa kuita. Ndinofanira kutaura kuti zviri kusiyaniswa kubhadhara vanowanzotorwa zvakanaka mumamiriro ezvinhu uye pagore negore kukarukureta nzira iri chaiyo chaizvo uye mutengo. Chinhu chikuru haisi kukurumidza pamwe kunyoresa uye kunyatsoongorora kutarisa zvose mibvunzo zvinhu.