Anobhadhara kuti chikwereti pakuparwa rufu mukwereti; murayiro, nokuripira mitemo uye vanorumbidza

Rufu pedyo munhu - nguva dzose njodzi. Asi dzimwe nguva Chinokonzera zvakawanda zvisingafadzi nyaya chokuita mari. Uye kwete, hatisi kutaura pamusoro nhaka, asi Credits. Mazuvano, vanhu vazhinji vanoshandisa kuminamato mabhanga - kuti kubva zvikwereti mogeji. Asi ani mubayiro chikwereti kana rufu of anokwereta? Eya, mubvunzo uyu ane mhinduro.

Ndiani akaita?

Musoro here kuoma. Mhinduro kumubvunzo anobhadhara kuti chikwereti pakuparwa rufu anokwereta kunoenderana mukanyiwa ari nuances. Uye vanofanira dzakanyorwa.

Saka, vakawanda nyaya - chikwereti nhaka. Toti akafa mutana, aiva nomwanakomana, uye iye ikazopiwa naye mari dzavo uye pfuma. Asi pamwe murume uyu anoenda chikwereti chake mubereki. Zvokuita?

First - kumirira kusvikira nhaka kupinda simba. Izvi zvinowanzoda kunoitika mukati 6 mwedzi pashure porufu. Panguva ino, vadyi venhaka zviparadzanise pfuma uye zvikwereti yemufi. Kana vanobvuma kubhadhara chikwereti mukutenda zvakanaka, saka pane kuvandudzwa kwemutongo chibvumirano. Kunyange zvazvo kubhangi hakuzofadzi kumirira yapfuura 6 mwedzi uye otanga kuripwa pakarepo. Asi! Chero zvazvingava, mugari wenhaka mubayiro hama zvikwereti maererano uwandu pfuma raakanga apiwa. Kana, uti, akasimuka 300,000 rubles, uye mushakabvu chikwereti kubhengi miriyoni, haisi vanosungirwa kupa mari yavo kuti abhadhare.

With rubatso

Izvozvo hazvina zvose pane kuziva pamusoro anobhadhara kuti chikwereti pakuparwa rufu mukwereti. Zvokuita kana chikwereti wakabudiswa akafa mari yechibatiso vawana pfuma? Apartments Somuenzaniso, kana motokari? Panyaya iyi, mugari wenhaka anopiwa rubatso uye kodzero dzokurasa panguva kuda. A musiyano wezvinyorwa vaviri. Uye ndizvo zvavari:

• Kubhadhara chikwereti yasara. Shandisa yakatengwa motokari kana kurarama nhaka mufurati vakanyorwa hama kuti chikwereti.
• Kutengesa rubatso. Saka uchakwanisa kuuraya shiri mbiri nedombo rimwe - pedyo basa uye atore "purofiti".

Panzira, pane mamiriro ezvinhu, apo zvinoitika kuti pfuma wemufi, uye mari dziri yakashongedzwa musi uyo asati akura. Anobhadhara kuti chikwereti kana rufu of anokwereta, muchiitiko ichi? Vabereki kana vachengeti ane zviduku. Asi apo kubhangi inorangarira ose pamutemo chiito. Sezvo zvichikosha kuti hapana akanga asatenderwe kodzero yevana.

Kana insured zvikwereti

Ichi - rinokosha mamiriro ezvinhu. Kana munhu chikwereti, akagadzira chiedza akasiya munhu akanga insured, kuti abhadhare zvichava nyore pane dzimwe nguva. Sei? Uye nokuti achabata nayo kambani, insured chikwereti. Zvisinei, kunyange pano pane misungo.

Hapana anoda kuparadzana nemari dzavo, kunyanya makambani inishuwarenzi, uye pane mukana mukuru kukundikana. Pokufa chikwereti kambani havangagoni kugamuchira zvinhu inishuwarenzi! Izvi zvinoitika muna zviitiko apo munhu akafa:

• In hondo kana mutirongo / mujeri yaitongwa.
• Panguva kirasi yokunyanyisa mutambo (Diving kana skydiving).
• Nokuda utachiona nemwaranzi kana venereal chirwere hunhu.

Kana nyaya asingadi dzinoenderana chinhu pamusoro, inishuwarenzi haadi kubhadhara chikwereti, zvinogona kureva kuti munhu akasiya ino nokuda chirwere. Kana, uti, akafa nokuda doro chepfu, mapurisa chaizvo vanokwanisa kutaura kuti izvi imhaka yaro hakuvaki chiropa. Ini aisvuta chaizvo? Zvadaro zvose achanyorwa kure mune vachiberekwa mwoyo chirwere. Asi saka itai makambani kazhinji anonyengera. yemakambani avo kuti chinzvimbo pemitsara rokutanga rakavimbika ratings, muri chaiye.

rubatso

Uye zvakadini sei kubhadhara chikwereti kana rufu, kana akanga asina insured? Izvi - chete mamiriro ezvinhu, iyo akarondedzerwa pakutanga. Debt nhaka. Asi rinokosha - mumwe apo kana waita chikwereti vanhu vakatendeukira rubatsiro kune rubatso. Ichi - rokuzvipira, kazhinji mune denderedzwa dzepedyo, kuvimbisa solvency irimo. Havasi vose anobvuma kuita basa rake, sokunge kuti munhu chinhu chinoitika, chikwereti vachawira pamusoro pamafudzi rubatso. Achaita hedu chete kupa kubhangi zvikwereti, asiwo vose inodiwa mubereko uye mari vakapedza nokuda akakweretesa kukwezva rubatso kuita.

Muripo nokuti rubatso

Zvino pane nuances. Somuenzaniso, chikwereti Ita munhu chaizvo mukuru kushanda vana - venhaka. Asi kwaiva shamwari yepedyo rubatso. Chii zvino? Panyaya iyi, chikwereti anofanira kuripa venhaka. Asi kana vari anonyengera, vanogona kungorega hanya nayo. Uye zvadaro "kubhadhara zvikwereti" vanoda rubatso. Asi! Ane kodzero yokurayira kuti anonyengera venhaka kukuvadza zvakazara, akatendeuka kumatare. Zvisinei, zviri chete pashure kuripwa chikwereti.

Chii chinofanira kuyeukwa?

Kune zvakawanda nuances chokuita mubvunzo ndiani kuripa chikwereti pakuparwa rufu mukwereti. Pano ndicho chimwe: kubhangi, pasinei rufu nemhosva yake inoramba -bereka mubereko. Kuti aite izvi, pane chikonzero. Mugari wenhaka, maererano nemirau rinotanga kupindura kuti zvikwereti zvomufi kubva pazuva raakabva munyika ino. Kunyange zvakadaro, vamwe mhosva, Zvirango uye fines zvinogona akadenha uye maturo. Zvisinei, zvinokosha kuti kuenda mudare iri. Asi kazhinji, kana anokwereta achiteerera zvikwereti kugara uye akaratidza kuva nokutenda, kubhangi inokurukura sechinhu chikonzero chinokosha mukupera kubhadhara uye kwemhosva rufu anofanira wacho.

zviito

Zvisinei, tightening ichiri kufanira. Ndiani kubhadhara chikwereti kana kuti rufu mukwereti sezvo pasina wenhaka? Kwete, nokuti zvakafanira kuti kuunganidza pfungwa dzake uye mirayiridzo iyi:

• First kuwana gwaro rokufa.
• Zvadaro - onana kubhengi kushuma kuti chiitiko. Zvakanaka kuuya kuhofisi, uye pakarepo norufu gwaro.
• Zvino iwe kuenda gweta. Pane kwaswedera uye vanopupurirwa nokuda mutsara kubvuma nhaka.
• Rinotevera Danho - mumwe waiting mwedzi mitanhatu. Sezvambotaurwa, pashure pemwedzi 6, munhu anopinda kodzero mugari wenhaka.
• Zvino unofanira kugadzira mutero kudzokera kuti kubhadhara zvimwe chikamu nhaka.
• Pashure paizvozvo, vanhu vanofanira kudzokera kubhangi kuti vadzokorore chikwereti chibvumirano uye mberi pamwe kuripwa kwechikwereti.

Sezvaunogona kuona, hapana yakaoma, saka tora chisarudzo penhau izvi ndizvo zvinodiwa nokukurumidza sezvinobvira. The chikwereti uye anokwereta afa - hwakakura kwazvo dambudziko iri rakakura dambudziko, asi nokukurumidza vanhu vanotanga kuti apa zviito, nani.

How kudzivisa basa?

The pamusoro mazano anogona kubatsira vanhu sei ne nyaya dzinokurukurwa. Asi kana uchida kubhadhara chikwereti kana kuti rufu mukwereti? "Zvichida nokuti unogona neimwe nzira kudzivisa izvi?" - saka vanhu vakawanda varikubvunza. Zvakanaka, chaizvoizvo muchikwanisa. Kuti izvi zvidaro, mugari wenhaka anofanira kurega zvose pfuma yaakanga ikazopiwa. Mumwedzi mitanhatu.

Usati wasarudza kutora danho iri, zvinokosha kufunga pamusoro zvose, nokuti kuramba bequests kana kuchinja havazobvumirwi refunded. A muduku, nenzira, vangaramba nhaka chete kana anogamuchira chakarongwa kuitarisira vakuru mvumo.

Ko kana akafa uye akasiya rubatso anokwereta kuti chiedza ichi? Izvi, zvisinei, mashoma zvikuru. Mumamiriro ezvinhu akadaro, chikwereti haisi kune dzimwe venhaka uye vadiwa. Chii chinoitika kuti chikwereti pakuparwa rufu anokwereta uye co-signer? Iyi kubhangi kuti utariri vanofanira kunetseka - Ungangove, vatsvage vatsivi.

Information sozaomschikov

Zvino zvikwereti zvinogona rakapa pamwe munhu. With hama, Chokwadi, kana ne mukuru "yechipiri hafu". Ipapo varume vaviri vakasarudza kuenda kubhengi kuti chikwereti, achiva sozaomschikami. Asi kana zvakadaro zvinoitika kuti umwe wavo akafa, ndiani kuripira?

Kuti kubhadhara chikwereti kana kuti rufu mukwereti vacharamba kuti. Kune zvitatu. Uye ndizvo zvavari:

• Sozaomschik akatumira kubhengi gwaro rufu tinovandudza chikwereti chibvumirano. Somugumisiro, zvikwereti zvose kuwira pamafudzi ake.
• Man munhu anogona kubatsira naye vachibhadhara. Kureva kuti ave sozaomschikom yake itsva. Zvisinei, iye yake mari vanofanira kusangana zvaidiwa kubhengi.
• Sozaomschik anosarudza kurega hafu chikwereti muridzi parutivi mufi, uye anoramba kubhadhara chete chikamu "yavo".

Zvapedzisira nyaya iri rinokosha. Somuenzaniso, kana kubaya sozaomschiki yakabudisa chikwereti kuti atenge mufurati, kubhengi nokutengesa zvivako. Iye anoenderera kubhadhara chikwereti chavo zvachose yasara. Asi chikamu kuti kare vaibhadhara sozaomschik, mupenyu, iye achawedzerwa.

kutyorwa

Vamwe vanhu vakanga kuzviwanira chete nhaka, asiwo chikwereti pamusoro chikwereti, sarudza "outsmart" kubhengi. Havadi vanorambana nhaka, asi musaita chinhu pamusoro apa, kuti vadzokorore chikwereti chibvumirano. Panyaya iyi, kubhangi anova Executive basa. Uye zvadaro mugari wenhaka, mari yavo chikwereti kubhadhara, unofanira kupindura pamberi pedare uye anoparadzwa kwete chete kuti kubhadhara chikwereti uye mubereko, asiwo nekuripira kubhangi mari mari. Zvikasadaro pane pangozi yokurasikirwa pfuma. Kubhangi nyore unogona kutengesa kuti recoup kurasikirwa kwavo.

Zvisinei, kana mukweretesi asina kunorehwa pachayo mukati memwedzi mitanhatu pashure yeGmail.END_STRONG afa, kuti chikwereti iri akadzima. Izvi zvakakodzerawo kuyeuka.