Kuti urambe uine kukwikwidzana kwesangano, zvikwereti kwenguva refu zvinodiwa. Iwe unogona kukwezva zvimwe zvigadziriswa nenzira yekudhura mari, chikwereti chakakosha kana chikwereti chekwereti. Pamusoro pezvinyorwa uye mazwi ebasa rino iwe uchadzidza kubva munyaya ino.

Tsanangudzo

Mutengo wechikwereti ndiyo kodzero yakapiwa kusangano kushandisa mari yakakweretwa yebhangi kwenguva yakatarwa uye mumutengo wakatarwa. Mamiriro ezvinhu akajeka anorayirwa musangano. Iyi sangano inokubvumira kuvhara zvikwereti zvemari pasina kubvisa mari kubva kubhizimusi. Mutengi anogona kusarudza akazvimirira, nguva uye ndeapi nzira yekushandisa nayo.

Aina

Mutsara wekwereti usingabatsiri unopiwa nendima mukati meimwe nguva uye muganhu wemari. Anokwereta pachake anosarudza nguva yekushandisa mari. Kubhadhara chikamu chechikwereti hachiwedzere chikamu.

Iko kune chikwereti chekwereti chiri chikwereti chinopiwa nezvikamu mukati memakore anotsanangurwa muchibvumirano. Nguva yekubhadhara chikwereti inowedzera muganhu wemari inowanikwa. Muteereri anobhadhara chete nokuda kwemuwandu chaiwo weashandiswa mukuru.

Muchiitiko chekutanga, akakwereta anodzorera mutumbi wemari chikwereti uye kufarira kubhangi, mushure mokunge mutsara unovhara. Uye mugore rechipiri - mushure mekubhadhara kwetanga rekutanga mutengo wemari inowanikwa inowedzera, uye iwe unogona zvakare kushandisa mari yakakweretwa. Pane chirevo chimwechete - chikwereti chinofanira kubhadharwa mukati meimwe nguva. Kazhinji kazhinji iyi ndeye mwedzi mitatu.

Chimwe chikwereti chisiri chechikwereti nechikwereti chekudzorera chinoshandiswa kana mutengi achida kukwereta mari kweimwe nguva. Asi musi chaiyo wekutanga kwezvinoshandiswa hauzivi.

Nheyo yekwereti yekwereti inovhurwa kuitira kubhadhara kununurwa kunoitwa pamwe nedzimwe nguva periodicity, mukati menguva yakatarwa yenguva.

Pane imwe purogiramu yakasiyana iyo iyo sarche itsva inogona kuwanikwa chete mushure mekubhadhara kwakakwana kweiyo yapfuura munguva yakatarwa yenguva kakawanda. Inonzi re revolutionary credit line.

Kune mimwe mimwe mitauro yakasiyana:

• On-call (kudzoka kwemamwe emari kunokubvumira kuwana chikwereti chamangwana chechiyero ichi);
• Kubatanidzwa (chikwereti chinowanikwa mushure mekubhadhara kweiyo yapfuura);
• Multicurrency (nguva shomanana yekubhadhara kwekushandiswa kwemari mune dzimwe nyika);
• Paanoda (chikwereti chinowanikwa pachikumbiro) uye vamwe.

Mienzaniso

• Mutsara wechikwereti usingasviki mubhangi kwehuwandu hwemamiriyoni 1 eibleta yakavhurwa nekambani yavakwereta. Zvigaro zvitatu zvakatorwa: 500, 200 uye 300 zviuru zveRubles. Mushure mokugamuchira chikamu chekupedzisira, muganhu wakasvika. Iye zvino mutengi anofanira kudzorera chikwereti zvachose. Hazvikwanisi kushandisa mari kunyange nekubhadhara chikamu chechikwereti.

• Chikwereti chechikwereti chesangano nderamabhiriyoni 1 rubles. Wokwereta akatora bharuki-700 mabhiriki. Mushure mekuvhiya uku, muganhu wakaderedzwa kusvika mazana makumi matatu euru rubles. Mwedzi unotevera, chikamu chechikwereti chakabhadharwa - mazana mashanu emabhururi. Iye zvino mari yakawanda inowanikwa ndeye: 500 + 300 = 800 000 rubles. Iko ndiko kuti, mutengi anogona kubvisa mari kazhinji uye achiidzorera panguva yakakodzera. Saka kuti mari yacho haina kudarika iyo iyo iyo mutsara wechikwereti yakapiwa. Ichi chikwereti chinowirirana.

Dzimwe nguva bhengi rinopomerwa mutemo wechinhu chisina kushandiswa chemari. Muchirevo chiri pamusoro apa, chiyero ichi makumi 300 mabhules. Uyewo, neurongwa hunogona kudzorerwa zvakare, nguva yekubhadharwa kwechigadziro chimwe nechimwe yakagadzirirwa. Chibvumirano chinogona kuitirwa kwegore rimwe chete. Asi chimwe nechimwe chikamu chakaparadzaniswa chemashandisirwo akashandiswa chinofanira kubhadharwa mukati memwedzi mitatu.

• Mhemberero ye revolver purogiramu inogadzirisa chikamu chemamiriyoni 1 eruble. Kwegore rimwe. Mutengi anogona kutora mari mukati memari iyi inenge isina mitezo yenguva mukati memwedzi gumi nemaviri.

Musiyano pakati pekwereti yechikwereti uye chikwereti chinangwa

• Unyanzvi uye unobatsira pane zvekuita. Zuva rekuda kwemari hazvizivikanwi mberi. Chikwereti chine chikwereti nemubhadharo wokubvisa chinokubvumira kuwana chikwereti nenguva uye kubhadhara pakutanga kwemukana.
• Zvinotora nguva shoma yekukwezva mari.
• Kunyange zvazvo basa iri mumabhangi rinowanika kune vose vatengi, asi miganhu nemitemo yebasa inotarisana nehuwandu hwesangano.
  Mune zvimwe zviitiko, iwe unofanirwa kugovera mari. Inogona kuva zvinhu zvakasvibiswa, iyo iyo inoshandiswa iyo inowanikwa kune chikwereti chemari, kana zvimwe zvinhu. Kana pane chibvumirano, chiyero chakaderedzwa, uye nzira yekugadzirisa mutengesi inowedzera.
• Iwe unogona kubhadhara chikwereti kuSberbank. Mitemo yekushandisa kwayo ichave isina kubatsira kune akakwereta. Nezvikwereti zvemarikiti, chikwata chechibereko chepasi chinowanzoiswa .

Zviratidzo zvekugoverwa kwebasa nemabhangi eRussia

Chikwereti chinogona kuwanikwa muRubles, madhora kana euro. Mari yacho inobva kune solvency yehurumende yepamutemo, chikwereti chenhoroondo uye kuwedzerwa kwebhuku. Mitemo yakasiyana kubva pamwedzi mitatu kusvika kumakore mashanu. Kana chikwereti che "refu" chine chikwereti chakakwana chemabhururi anopfuura 1 000 000 akazarurwa, bhanhire rinogona kutarisira kuchengetedzwa kwakakwana: zvivako, nyika, kutakura, zvigadzirwa. Chibvumirano chinogona kutenga chikwereti:

• Nokuda kwechikwata chakasimudzika / chinokwidzika;

• % Yekutumirwa ichaverengerwa zvakasiyana pane imwe neimwe.

Bhizimusi rebhadha rinogara richigadzirirwa pachavo, zvichienderana nehuwandu, mari, nguva, mari yemunhu anenge akwereta, mukurumbira we sangano uye nehuwandu hwehuwandu. Komisheni inosiyana pakati pe10-20% pagore. Kuvhurwa kwemukwereti wechikwereti kuchadhura uyo anenge akwereta 2% yemuganhu wemari. Chirongwa chekugadziridza chinogona kugovera mwedzi wega wega wekutarisira. Zviyero pamusoro pehuwandu hwechimwe checheche chinogonawo kuiswa.

Kubatsirwa kwehurumende yepamutemo

1. Chengetedza nguva: hapana chikonzero chekugadzirira mutengesi mumwe nomumwe zvakasiyana.
2. Kufarira kunowanikwa chete pamari inoshandiswa.
3. Kubhadhara kunowanzoitika kana uchitumira mari kubva kune counterparties kune iyo yakwereta.
4. Nharaunda yekuda kushandiswa kwebasa iri yakaderera kupfuura yezvikwereti zvinotarisirwa.
5. Nekubatsirwa kwechikwereti, mutengi anogona kuwedzera kushanda, kubhadhara mari dzisingatarisirwi, kana kutumira mari yekuvaka bhizinesi.

Chikwereti muSberbank: mitemo yebasa

Sangano guru rezvemari srayna rinopa chikwereti kusvika kusvika mamiriyoni matatu emabhururi. Pamuzinga we19-19.5% pasina chibvumirano uye chivimbo. Iyo kambani inogona kushandisa mari iyi kuti idzose zvinhu zvemazuva ano kana kuti iwedze bhizinesi rayo. Panguva imwecheteyo, bhangi ine kodzero yekubatanidza unilaterally mararamiro apo matambudziko ekutanga emari anomuka.

Muganhu wemari iyo Sberbank mutsara wechikwereti inopiwa inobva pane zvakananga zvebhizimisi, purojekiti chaiyo, kugadzikana kwemari kwekambani, kugovera, mukurumbira webhizimisi wesangano. Nekukweretesa kwakakura, iwe uchada kuita mari. Inogona kuva zvivako, zvigadzirwa, motokari, zvigadzirwa, kuchengetedzwa. Uwandu hwechikwereti ne50-70% hunoenderana nehuwandu hwehutengo. Basa racho rinofungidzirwa nevhiki. Munguva ino, kunze uye mukati, zvinhu zvekushambadzira zvinongororwa. Kana bhangi ichiita chisarudzo chakanaka, iwe unogona kuisa pakarepo chibvumirano chekwereti chekwereti. Nguva yekuwedzera yekuongorora zvakare kwezvinhu haigoni kupedzwa.

Dzimwe nhamba

Kudiwa kwebhizimisi mu "chikwereti" kwenguva refu kunosvika mabhiriyoni 900 mabhiriki. Paka gore, asi makambani haagamuchiri zvinopfuura 10% zvemuwandu uyu. Nguva yekubhadhara yekusimwa inosvika makore 7-10. Sberbank inobhadhara mari zvishoma mabhizinesi. Inenge hafu yesangano rekukweretesa chikwereti ndeyemari yakareba kwenguva refu inosvika mazana matanhatu emabhiriyoni ebhurles, ayo akapihwa kune makambani anopfuura mamiriyoni. Pamakambani maduku, "Bhizimisi" rakatora mutsara rakagadziridzwa, mukati mekugadzirisa kwazvinogona kuwana mari yakakweretwa kune chero chinangwa: kubva pakutengesa zvinhu kune OS uye mari yezvikwereti kune dzimwe nzvimbo.

Nhau

Zvinenge zvisingabatsire mabhangi kupa zvikwereti zvekwereti kune masangano epamutemo. Izvi zvinoratidzirwa nemitemo yekutonga nevashambadziri vatengi. Kutaura kwakadai kunoporerwa nenzira imwecheteyo sezvikwereti zvinowanikwa. Nhamba yemari iyo muchengeti anofanira kudzokera inoratidzirwa kwete kubva kumiganhu yemari, asi kubva pamari yakawanda yebhadharo rakagadzirwa. Mabhenji anofunga kuti chigadzirwa ichi hachina nguva imwe chete, asi chinogona kudzorerwa zvakare. Somugumisiro, mari yekubhadhara zvikwereti inowedzera zvikuru.

Mukana kune mumwe nomumwe

Vanhu vokuRussia vanogonawo kupa mutsara wechikwereti, asi kwete mabhanga ose anopa basa iri uye chete nebhaibheri. Iyo yekupedzisira ndiyo dhipatimendi rakazaruka. Chinangwa ndechekubhadhara chikwereti mune rimwe bhangi kana kuti kuwana mushandi wekushandira kutanga bhizinesi. Kunyange zvakadaro, basa iri rine zvinobatsira:

• Mukana wokushandisa mari yakakweretwa pasina kuputsa mari uye chikwere pamusoro payo;
• Iwe unogona kushanda nokuda kwebasa pane imwe nguva yekukurumidzira uchishandisa dhaka yemunhu wepanyama sekuchengetedzwa kwekuchengetedza;
• Mari yechikwereti inopiwa nenzira yekuzarura nhoroondo nebhangi;
• Izvo zvishoma zvinyorwa zvinyorwa;
• Iko mari yekutora haisipo;
• Inharaunda inofarira inowanzoenzana neyo yakagadzirirwa kuisa mari, ichifunga nezvemadiki;
• Iko hakuna mahofisi emwedzi.
• Mutsara wechikwereti unogona kuvhurwa mumadhora, euro kana ruble;
• Nguva yakareba ndeye mwedzi mitanhatu.

Pane mumwe muenzaniso - unogonazve "kadhi rechikwereti". Mari dzinogona kuwanikwa panguva ipi zvayo, uye dzobhadhara ivo nekutarisa. Izvi zvinosanganisira zvikwereti zvekudzidzisa, kuvakwa kweimba, apo mari inouya muzvigaro, uye iwe unogona kuchengetedza pane chido.

Mhedziso

Mutsara wechikwereti ndeye rudzi rutsva rwemari yebhizimisi. Imba yakakwereta inopiwa kune imwe nguva. Nzira dzinogona kushandiswa pazvinenge zvichidiwa. Kufarira kunongowanikwa chete pamari yakashandiswa. Muchiitiko ichi, mutengo unogona kugadziriswa, unofamba kana munhu pane imwe saga. Nheyo yechikwereti yeBhengi reKubvumira, zvichienderana nekudiwa kwemari, inogona kugoverwa pasina kubhadhara uye kuvimbiswa. Inoshandiswa pachiyero che19.5% pagore.