Chikwereti kuti kubhadhara chikwereti nomumwe nebhengi - Ko mutambo zviripo kenduru?

At mutengi wacho solvency dzingave dzawirwa siyana zvinhu. Vanogona kuva Change basa, kurwara, kwemahofisi, uye kunyange vanhuwo usimbe. Vazhinji vavo Zvibvisike pashure vaviri mutongo kubhadhara, asi vamwe havana nyore kupfuura. Muchiitiko chino, unofanira kutora mumwe chikwereti kuti kubhadhara chikwereti nomumwe mubhengi.

Kana kunyatsotarisa mutemo zvemari masangano pachinhu zvikwereti, unogona anonyatsoziva kuti Vanogara vakagadzirira kuenda chakakomba zvikuru zvichemo yakapa kubudirana pachena zvakakwana pamusoro chikamu anokwereta. Saka zvinoitika kwete nokuti rudo Lenders vanhu, asi nokuda kwavo nehanya. Pashure pezvose, chero zvikwereti dambudziko zvokuti pashure kutyora hurumende mutsividzo wokutanga uye kunoda yavaive ane vakawanda Reserve mari, izvo zvakananga kunokanganisa mari pachiyero tsika zvemari. Kana musingadi atore chikwereti kuti kubhadhara chikwereti nomumwe mubhengi, aigona kufamba kune zvakaipa. Muchiitiko ichi zvakafanira kukwezva vateresi uye kubhadhara mabasa avo.

How kuronga kuzororo

Chokutanga, mukwereti vanofanira kungwarira kuti kuda kutanga nematambudziko vachibhadhara. Kuzviona pamwero wavo, anogona kushandisa kubhengi rubatsiro kwemavhiki mashoma asati kutanga dzakaoma. Kuti vanofanira kuva nguva yakakwana kuwana zvinogadzirisa dambudziko. An akawedzera bhonasi mune iyi achava pasina chikonzero kubhadhara fines kuti nonoka kubhadhara kana kuwedzera for kutyorwa mumwe pfungwa yacho chikwereti chibvumirano. Kuripwa of chikwereti nomumwe webhanga achibatsirwa itsva chikwereti hakuzopedzi dzinokosha zvinetso nemhosva, asi dzisashande chirongwa basa kwemwedzi mishoma - zvachose. Kazhinji, bhengi inopa mukana kwete kubhadhara chikwereti muviri kwenguva yakati kana kuti kuchinja nzvimbo basa anokwereta. An dzinonakidza ndechokuti mabhanga mazhinji yatanga zvinosanganisira pfungwa iyi kwayo mureza mogeji kondirakiti.

In Muzviitiko zvakaipisisa, kubhangi anogona kupa vatengi ayo ane deferral rakazara kugadzirwa kubhadhara. Muchiitiko chino, haufaniri kurumidzai atore chikwereti kuti kubhadhara chikwereti nomumwe mubhengi. Zvichida, iri urongwa nzwisisika mashoko pamusoro dzemari pamusoro anokwereta sangano ichapa mukana 3 months hakuiti kuti mari pasina Zvirango.

refinancing

Nhasi tinogona kuona okushambadza kwose kwose panyaya iri sangano "Tinkoff Bank". Kuripwa zvimwe zvikwereti tichiregeredza mari yavo waimiririra mukana wakaisvonaka wokuti vanhu. Zvisinei, izvi handizvo zvachose. Kugadzirisa zvinetso chikwereti hazvina kukodzera kuwana imwe mari sangano chikwereti kuti kubhadhara chikwereti nomumwe mubhengi. Akakodzera nzira kubva izvi achange kukweretesa chitsva ezvinhu nani uye noupenyu. Kunopiwa kuti chikuru chikamu chikwereti watopiwa achidzorerwezve, kubhangi vachafara kusangana nemhosva yake. Nokuti iyi achapora mari yakawanda uye chizviponesa kwokunetseka vakabhadhara vateresi uye kuteterera kuti dare kuti vawane vaiva chinhu rubatso.