Dambudziko kumabhanga uye ayo mhinduro

The akaoma mamiriro ezvoupfumi munyika, dzinoratidzwa pasi rokutenga simba uye mari yakaderera, vanhu vanomanikidzwa kutenga zvinhu uye mabasa nechikwereti. Kunyange zvakadaro, zvinoita here nhasi kutenga refu-akamirirwa pokugara pasina kutora mari kubva mubhengi? Mhinduro yomubvunzo uyu ndiyo pachena.

Credit: tora kana kwete?

Zvisinei, vaongorori vanoti kuti vakawanda yemakambani anokwereta pakutanga anoda zvakakodzera kuzadzisa wazvipira kuratidza chikwereti: rwezvemabhengi sangano kudzokera wechikoro uye mubereko akauya achimhanya. Zvisinei, pashure kusaina munhu rinowanzoshandiswa atarisana zvisingatarisirwi muupenyu ndiye asingakwanisi kushanda, iye acharega kubva kubasa, iye kunyimwa anopa mari ... Ichokwadi, mumamiriro ezvinhu akadaro, asi nechikwereti havagoni kuripa mari chivako, uye dambudziko zvikwereti.

The kutombonaka hwakura sezvinoita snowball. Huwandu Zvirango uye mubereko ari kukura ose zuva, uye, pakupedzisira, mukwereti anogona kuramba, vanoti, "hapana bhurukwa". A bhangi Mhinduro hazvisi nyore kufanoona. Akanga asingafariri dambudziko pamwe zvikwereti, iyo yakatanga kubva chikwereti, anoda kuwana mari yavo shure, saka chinokwezva sezvo mubatsiri kuti muunganidzwa risingaoneki, izvo dzimwe nguva haadzokeri chero nzira; zvose zviri pamutemo uye zvisiri pamutemo, kuti "gurunurai" chikwereti kubva anokwereta. Hongu, nzvimbo haasi kupfuura enviable. Pane zvinogadzirisa, pedyo pane dambudziko pamwe Credits? Funga mubvunzo uyu zvizere.

Zvokuita

Saka, chii kuita kana uri chikwereti musungo? Chinhu chikuru - hakusi kuti tisatya uye kuramba vakasvinura pfungwa. Edza napo pedyo nevanhu vashandi kwemutongo sangano uye tsanangura musimboti matambudziko zvemari yako.

Zvinogoneka kuti vachakwanisa kuzosangana nemi, kana iwe udza zvakawanda nezvokuti nei uri anonetswa kuripwa chikwereti. Chaizvoizvo kuongorora pachavo pamwero wavo solvency uye bhangi vashandi ozvuchte anofungidzirwa misi mutsividzo kana mubvunzo chikwereti kugadzirisa zvichabviswa kugadziriswa chokwadi. Yeuka kuti kana iwe zvinoratidza kuti haisi kuenda kuzeza dzavo sungiro uye vanoda kudzorera mari yacho kubhangi, mikana kuti renegotiate mashoko ari chikwereti chibvumirano achava mukuru zvikuru.

rubatsiro rwenyanzvi

Kana tsoka dzako kugadzirisa dambudziko kuripwa chikwereti havana kubudirira, unofanira kutsvaka zano kubva nyanzvi. Muchiitiko chino, unofanira gweta ruzivo. Haana basa nokuti iwe pamwe yakarurama zvidobi yokuzvibata vashandi yacho rwezvemabhengi kupfungwa, asi panhamo pokusazvibata uri chikamu vateresi.

Cherechedza kuti dambudziko pamwe zvikwereti anofanira kugadziriswa kushandiswa nenyanzvi, vakambotadza vakabudirira apindura zvakafanana zviitiko. Usava simbe uye mukumbire kuti kusimbisa chokwadi ichi.

Sezvo tsika zvinoratidzwa, pane dzakawanda nzira umo zvinetso zviri kugadziriswa pamwe chemhosva nokuda kwezvikwereti. Ngatikurukurei chimwe nechimwe chazvo.

Achipa itsva zvikwereti

Pari, akawandisa vanozoshanda vari rwezvemabhengi pamusika. Nevaichinja kurudyi kupa mhinduro yavo dambudziko chikwereti. Chii? Iwe kuzvirongedza chikwereti mutsva abhadhare yekare. chiyero kwakadaro Anonziwo chikwereti refinancing. Zvakanaka, hatigoni kutaura kuti musiyano uyu akakodzera anokwereta zvose asi hatifaniri discounted. The ndechokuti achishandisa nzira iyi, unogona 'kuuraya shiri mbiri nedombo rimwe "panguva imwe chete, kana mari vanokweretesawo chete rwezvemabhengi tsika.

Chekutanga, kana iwe kuronga chikwereti itsva, ipapo mumwe muripo vachapiwa yakanonoka kwemazuva 30. Chechipiri, kana chikwereti itsva iri kwenguva refu, zvino kukosha remwedzi "tranche" ipfupi. Zvisinei, unogona kukwereta mari kune mumwe chikwereti sangano. The chikuru ndechokuti dzakasiyana: kana kuwira muchikwata nokupopota defaulters, uye une kunonoka musi chikwereti mutsividzo, ipapo pamusoro pamasikiro chikwereti itsva hakugoni kudziverenga. Information pamusoro kunaka nomumwe chikwereti nhoroondo huri chaiyo mazita vatengi, uye pamahombekombe chero nguva kunogona kuva navo. Asi kana tsvimbo pasingaguti nayo, unogona kushandisa kuminamato vanozoshanda ane vakabuditsa mukurumbira, izvo kuti muripo weUS uchabvuma kuti ape chikwereti chitsva kwamuri.

chikwereti kugadzirisa

Hamuzivi sei kugadzirisa matambudziko vane zvikwereti? Pane imwe nzira chakasviba. Munhu achashandisa nayo anogamuchira mamwe makomborero kubva kubhengi: kuchigadzirisa kubva pamwedzi muripo, nguva chikwereti muripo, haasaruri Kudzimwa pamusoro chikwereti uwandu. Kuti vakwanise kugamuchira-dzataurwa pamusoro zvichemo, unofanira kushanyira tsika zvemari kuzivisa vashandi matambudziko emari uye nyora zita basa kwemutongo sangano yakakodzera kushandiswa.

Sezvo tsika inoratidza kuti rwezvemabhengi maindasitiri, mune zvimwe zviitiko chokwadi kusarudza pamusoro Kudzimwa kwechikwereti fines, Zvirango uye kunyange zvishomanana "kanganwira" chikuru chitsama.

inishuwarenzi

Yanhasi chokwadi ndechokuti zvachose Lenders zvose vanosarudza inishuwarenzi pachavo pamusoro njodzi zvemari. Zvisinei, kwete anokwereta zvose vachinyatsoongorora verenga chinyorwa yesungano chikwereti inishuwarenzi. Uye gwaro iri zvakanyorwa inokosha chaizvo pfungwa, dzinoti - umo zviitiko insurer achaita mari chikwereti panzvimbo nechikwereti. Kazhinji, izvi simba majeure: urema, kudzingwa, rufu. Asi kunyange zviitiko izvi mubhengi haangaiti Zvinotaurwa kambani yacho inishuwarenzi uye anokwereta. Kana yakati chiitiko harina yokupedzisira anofanira kushanda kune insurer, kupa naye zvimwe zvinyorwa, uye chete ipapo muchashumira sezvo nechikwereti. Uye zvinofanira kunge zvakanyorwa hwokuti insured chiitiko kunoitika. Zvinofanira kurangarirwa, uye kambani kuti mamwe mamiriro ezvinhu ari inishuwarenzi vachiziva kunzvenga ayo mitoro. Zvakare, pane nezvinetso zvikwereti. Zvokuita? First unofanira kudzivirira kodzero dzavo kambani inishuwarenzi.

Ndokusaka zvinokwanisika kuti mukwereti vachamanikidzwa kupedza nguva iri litigation pamwe insurer, uye pano zvakakodzera kutsvaka rubatsiro vakakodzera.

Chii unofanira kurangarira asi

Saka, mune chero matambudziko kuripwa chikwereti. Zvokuita mumamiriro ezvinhu akadai? Chinhu chikuru haisi kutora waiting muone nzvimbo, achitarisira kuti nyaya achapiwa kugadziriswa woga. Tinofanira kuita chaizvo. nyaya All kune kadhi sangano anofanira kuva kunyora. Tapota cherechedza, nokukurumidza uchatanga "kufamba", ndipo unogona kuderedza uwandu fines uye Zvirango. Usakanganwa kuti mugove zvikwereti zvibvumirano kuti mutengi zvinodiwa weshumba inopa zvirango "inoremadza", pasinei nokuti mutemo ukoshi anofanira haapfuuri musoro mwero uye kuva yekudyidzana kupfuura kuwanda chikwereti chikuru.

Kana pane dzimwe nguva "nhaurirano" pamwe kubhangi uchinetsekana, unofanira pakarepo kutsvaka rubatsiro kubva mazvikokota. Uye pano zvakafanira kufunga kuti vamwe magweta mabasa avo dzinoda pre-muripo, vamwe vanokumbira mari pashure achava zvinooneka mugumisiro.

Chikwereti nokuti kutenga redzimba

Nhasi, vakawanda vanomanikidzwa kukwereta mari kumabhanga kutenga dzimba. Eya, chinangwa chakanaka, asi usati sarudza chimwe purogiramu chikwereti achiposa kunyatsoona "zvayakanakira" uye "nezvayakaipira." A vanozvidzora tinyatsonzwisisa dzavo kugona zvemari, kubva pamwedzi mari vanofanira kubhadharwa kwemakore akawanda. Zvikasadaro, zvingangoita kuti une dambudziko rine mogeji chikwereti.

Zvokuita

Yeuka kuti default kuti chikwereti chibvumirano pamusoro kutenga dzimba kubhangi kuti nzvimbo iri vakaoma zvikuru uye gwara.

Hezvinoi kashoma kuti tobvuma kuti anokwereta, nokuti "guru" mari. Kana nechikwereti kuti 2-3 mwedzi nokunonoka kuita mari, kubhangi, sezvo mutemo, shandisa "nehwamanda kadhi" - kodzero kutengesa mufurati, iri rubatso. Chokwadi, akanga chaizvo akaranga anokwereta. Zvisinei, kana paine imwe nzira yokubuda naye?

Ndezvokuti, asi hongu. Kana ane vakabuditsa chikwereti nhoroondo, basa iri mari sangano rinogona kutora chisarudzo akanaka pamusoro zvikunde kumwedzi nyasha pamusoro wechikoro kusvika mazuva 180. Panguva iyi, chikwereti anotsiva chete mubereko, uye ipapo compensates chero ndakarovha kubhadhara kana kugadzirisa chikwereti paakaitira ari kupedza mipiro. Zvisinei, mubvunzo wokuti kana kwete kupa kodzero kugadzirisa, akasarudza mumwe nomumwe.

Kana kubhangi anotyisidzirwa ne dare uye kubhadhara chinhu?

Zvisinei, zvangoitikawo kuti kubhangi anoramba kusangana chikwereti chake, achizivisa kuti zvichaita chipiko litigation. Mune dzimwe chiyero akadaro Zvinovhundutsa, uye zvishoma nezvishoma vanotanga kubhadhara zvikwereti. Zvisinei, nzira iyi maitiro hazvina musoro, nekuti kuwanda fines nokunonoka iri kukura zuva nezuva, uye pakazosvika nguva nyaya asvika dare uwandu dzimwe nguva hombe saizi. Naizvozvo, nyanzvi angarayira kwete kudzima chikamu chikwereti: chikwereti kare yazova vachiri kure akanaka, uye mari ruchaderera, nekuti mangwana kukura chikwereti achava zvakare kukosha yekare. Havafaniri kunyanya kutya litigation. Mukupesana, inofanira pakupedzisira hwogumisa ukama hwako kubhengi. Chisarudzo dare chichakusunungurai yaipedzerwa chikwereti, izvo haangazodzingi -bereka Zvirango uye mubereko. Uye saizi dzavo mudare, nekusiyana, inogona kuderedzwa. Kuda dare vachava bailiffs, vari zvikuru vakavimbika pane vashandi kuti muunganidzwa masangano. Uye kubva panguva iyoyo, unogona kutora matanho kuti zvichida aoma kubhadhara chikwereti. Uye kana ukatora kungotarisa pezvaaitsigira, ivo bailiffs anogona kumanikidza kwenyu pfuma kufenda. Saka, zviri nani tongai roruvanze, zvishoma nezvishoma vachiita mari. Uye kana iwe uchagona zvakazara abhadhare kubhangi, zviri nani kuti varege hanya nezvechisarudzo ichi.