Chikwereti nechikwereti: zvokuita? General urongwa uye mazano

In ezvinhu enyika kusagadzikana kwezvemari rwezvemabhengi zvikoro vanomanikidzwa kutsungirira yakakura nezvinhu kunyanya nokuda umbishi nezvakaipa nokutenda anokwereta. Sezvo izvi zvinobatsira kuti revitalization kuti chikwereti kubiridzira. Kuti aripire mari ngozi ruzhinji masangano chikwereti yakanyanya kukwirira mubereko prices pamusoro zvikwereti vanofanira kubhadhara kuti nehana anokwereta.

Zvisinei, vanamazvikokota vakagumisa kuti nhamba yevanhu vakanga akatora mari iri chikwereti, asi vanoratidza hanya wakakwana panyaya ravo richadzokera pamusoro nguva, havana shoma.

Kwakakura dambudziko

Imwe nzira kana mumwe, asi mubvunzo ndewokuti: "Ndine kunonoka pamusoro chikwereti - zvokuita?" Chinova akakodzera, kunyange kana paiva Kunonoka kuita abhadhare chete zuva.

Zvisinei, mashoko iri zvinyorwa zvakawanda kuti kana anokwereta kwemazuva 2-3 nokunonoka chete muripo, hapana chakaipa kuti. Pakutanga, izvi zvinogona kuva uye kugamuchira. Imi chete vanofanira SMS mashoko ane chikumbiro kubhadhara zvichiguma chitsama chikwereti, uye kuti chiitiko Aneta. Zvisinei, hapana munhu anotora mubhangi kodzero kufadza chikwereti Bureau, uye kana uchida kushandisa kuti chikwereti itsva, "chikanganiso" yako yokutanga basa achava vaonekwe zvikwereti zvose. Muchiitiko chino, zvirokwazvo unofanira zvakakomba kufungisisa mubvunzo: "Ndine kunonoka pamusoro chikwereti. Ndoita kuita? "

Zvakakosha kuyeuka kuti nokukurumidza iwe kubhadhara zvikwereti zvako kubhangi, kashoma yakanyanya zvichaitika kwauri.

Somuenzaniso, kana uri kare hafu yegore hakurevi kubhadhara chikwereti chacho, tsika zvemari chinowanzoitika nokukurumidza regai kuva vakavimbika kwauri uye kutanga kushandisa pamutemo midziyo uhwo nyaya anogona kuuya kuzotongwa. Panyaya iyi, bvunza mubvunzo: "Ndine kunonoka pamusoro chikwereti - zvokuita" kwaizova manonoko. Nyaya anogona kuva kwakaoma ndechokuti pfuma yako nechisimba.

Migumisiro vachangobva mubhadharo chikwereti

Saka, kunyange kutyisidzira zvinetso chikwereti nonoka uye zvokuita mumamiriro ezvinhu akadai? Hongu, anokwereta ane matambudziko angamuka, uye kazhinji kacho vane pfuma hunhu.

Haangarambi chete kubhadhara yechimbadzo chikwereti, asi kufarira raakanga vairatidza kuti kukurumidza kubhadhara. Sezvo chikamu rwezvemabhengi masangano kuti dzidzira muna zvikwereti mutengi, Zvirango zvinogona yakakurisa uye kupfuura chitsama chikwereti chikuru.

Avo vari kunyanya kunetseka mubvunzo: "Ndine kunonoka pamusoro chikwereti. Ndoita kuita? "Anofanira kunzwisisa kuti chokuti muripo vachangobva mubhadharo inokanganisa pamusoro nechikwereti nhoroondo. Zvinorevei izvi? Chete kuti mikana yako kuti ape chikwereti chitsva nokuremekedza goho mamiriro achava pedyo razero. Eya, pamusoro purogiramu chikwereti anomukweretesa zvavo haugoni vanorota iyi.

Uyewo, anokwereta kuzvitenga mari zvose uye mari chokuita nokuongorora dzomunhu kumanikidzwa chikwereti muunganidzwa.

Banking Masangano kazhinji kutengesa chikwereti muunganidzwa wamasangano ane vashandi vanoshandisa simba mupfungwa kumanikidzwa, uye masikati nousiku achiyeuchidza anokwereta Mari mitoro. Muchiitiko chino, Chokwadi, mubvunzo ndewokuti: "sei I kugadzirisa chikwereti pamusoro chikwereti. Zvokuita? "Ko rinokosha.

The zvemari nemamiriro kunonoka hazvibatsiri

Sezvingatarisirwa, sangano zvemari haafariri kunonoka, kunyange nechinangwa vapfume kuburikidza nokuiswa marangirwo.

Mamiriro acho ezvinhu kuti Bank of Russia anoita zvinodiwa, maererano nomumwe chikwereti sangano anofanira kuva guru reserves zvemari, kana tiri kutaura pamusoro chikwereti nonoka. Kana kukundikana mari mutoro kuchaunza kurasikirwa rwezvemabhengi kupfungwa, inofanira nekure chengetedza. Asi kana zvinhu kukuvadzwa sezvo zvakadaro asipo, kuchengeterwa - rinongova Verengai insured, riri anenge zvisingabatsiri. Chokwadi, mari zvikoro vari kuedza kukura kuchengeterwa duku sezvinobvira.

Options kugadzirisa dambudziko

Saka, chii kuita kana chikwereti chaenda yakafanira? General urongwa uye zano iyi inogona kupfupikiswa umwe: edza kuita mari nenguva uye kwete tanyanyisa. Kunyanya unyatsoongorora chisarudzo kukweretesa wemuno. Ongorora kuti anogona kupa chikwereti yakadaro, kana ukaenda vanogumurwa, iwe kuderedza mubairo kana pakarepo wava kwenguva duku chirema.

Zvinosuruvarisa ichi zvinowanza, zvinokosha kuva vakagadzirira nokuda.

refinancing nzira

Kana uine chikwereti pamusoro chikwereti, zvokuita iyi, imi zvachose hauzivi, chinonyanya anonzwisisa - ndiko kuti refinancing.

Nemamwe mashoko, iwe kuronga chikwereti chitsva pamusangano kudzikisirwa chimbadzo abhadhare wechikoro. Saka unogona kukurumidza kubuda muusungwa zvemari.

chikwereti kugadzirisa

Chokwadi, mubvunzo ndewokuti: "Ndine ane nonoka chikwereti, asina kubhadhara chikwereti chacho - zvokuita?" Nokuti vazhinji ndiko kukamura uchishandisa. Sezvo zvingava here kutaura tsika zvemari ane chikumbiro kuti kugadzirisa, uye edza murege kuripfekenura nayo muwadhiropu serimwe rinogona kutsiva kugadzirisa dambudziko. Saka unogona kuderedza kukura vachibhadhara uye, dzimwe nguva, kuti awane reprieve. We simbisa kamwe zvakare kuti zvakakosha kwete kuwedzera dambudziko, aishingaira kutaura vashandi yacho kubhangi uye kudzivisa mwedzi delinquency.

Kuti kubhadhara chikwereti iri nguva

Uyezve, unofanira kurangarira kuti kamwe une pane rimwe zuva mushakabvu muripo, iwe uchava mhosva kufarira. Uyezve, kuwedzera pane idzi, kubhangi kuti kukundikana kuzadzikisa ayo mitoro anogona kunzi uri mukwereti panyaya.

Sezvo kare akataura kumusoro, kana kunonoka mazuva 2-3, kubhangi achakuyeuchidzai ichi kuburikidza SMS mashoko. Kana ukasateerera nayo, danho rinotevera ndiyo nekugadzirisa dambudziko ungazviti kubhengi mushandi. Iye vachakukwazisa kuti zvakanaka kuita kwavo zvikwereti mitoro, kutyisidzira kuti Zvirango kana usingaiti chii chinodiwa iwe.

Saka, une kunonoka pamusoro chikwereti, kunonoka ari chikwereti mubhangi. Zvokuita mumamiriro ezvinhu akadai, imi vasina pfungwa? Kana hamuna wakaita muripo nenguva yakafanira kune kurwara kana kuenda rwendo rwebhizimisi, zvingava Zvakanyanya Kunaka Panguva Yepamuviri kuzivisa vashandi vaiva pamahombekombe pamusoro musi chaiwo kana rinotevera muripo.

Pakadaro, kana iwe usiri kukwanisa kubhadhara chitsama chikwereti nokuda kuderera mamiriro ezvemari, zviri nani kwete kumbosendeka kushanya kune rwezvemabhengi kupfungwa uye kutaurirana vashandi pamusoro pfupi kunonosa kana kugadzirisa. Zvisinei, mari mamiriro unobvumirana kuti zvichemo, kana mhaka kunonoka muripo achava zvinokosha: pfupi urema, kudzingwa.

Kana anokwereta achava pusa muna ukama kubhangi, yokupedzisira anekodzero kutengesa chikwereti vateresi.

Legal mukana wokuzvidzivirira

Kwokupedzisira pavaipfuura kugadzirisa zvinetso anonyengera anokwereta - chikumbiro ichi kumatare. Sezvo kutonga, litigation wokugadzirisa zvikwereti okupedzisira kubva wandei mwedzi gore rimwe. Kana kubva pamutemo nemaonero ari chikwereti chibvumirano vaurayiwa nemazvo, dare riri zvichida kutora kurutivi mukwiriri, yomupomerwi tichikufunga zvinoda kuti kubhadhara chikwereti kubhengi. Zvisinei, zvakaitika izvi zvinhu zvingabatsira kuti anokwereta, nekuti nyaya simba anogona kunyora kure uwandu fines, kumanikidza mukwirirwi kuripa chete chitsama chikwereti chikuru.