How kuti chikwereti asina basa rehurumende: mazita mabhanga, zvinyorwa uye vanorumbidza

Nhasi, kurasikirwa nebasa rizere nezvinetso zvemari kwete chete, asiwo kurasikirwa makwikwi mumusika. Mari iri nguva dzose zvinodiwa, uye kuva munhu mari pamawere munhu anogona. Panguva iyo pane chikamu freelancers vanoshandira upenyu pachahwo. Mari vanhu vakadaro dzimwe nguva kusapfuudza pamutemo muhoro, asi mabhanga havadi kushandira nemakasitoma izvi. Vari semhosva ngozi. Tinofanira kuvimba yeGmail.END_STRONG kuvimbika. Saka sei kuti chikwereti risina basa mukuru Russian Federation?

vanoronga

How kuti chikwereti haisi pamutemo vakashandisa vanhu? Kunyange ngozi Mapato vemunyika kubva mabhanga, pane chinokosha zvigadzirwa. Vasingashandi vanhu vanogona kushandisa kuti chikwereti pane imwe yepamusoro chimbadzo (kubva 59%). Panyaya iyi, sezvo bhonasi kubhengi muchakumbira magwaro maviri chete. Vimba yakawanda mari haisi zviripo (kusvika 250. zviuru. Kwiza.). Get mari anogona kuva mari kana kuchinjirwa kune kadhi. The zvazvingava basa iri pose zvichange zvakafanana. Asi kadhi iri mberi inopiwa ne dzakatevedzana vachibhadhara kubva mapurasitiki kusvikira cashing basa. The kwacho kuri nyore kana nemhosva vagara mabasa kubhengi uye rine zvakanaka chikwereti nhoroondo. Zvadaro unogona kungoti kukumbira nokuwedzera muganhu mari.

How kuti chikwereti pasina chakarongwa basa zvikuru kukwezva mashoko? Unogona kupa rubatso uye vawane chirongwa kusvika pamwero mumwe. Low zvikwereti mubereko vari rakapa, akaronga kuti kutenga yakasimba zvinhu.

vangani kupa

Mova chikwereti kuti vaifanira mari kwete vose anogona. Usati iwe isai muganhu, mabhengi dzinoronga "kubvunzurudzwa" ari munhu anoda kubetserwa. Vashandi nechokwadi pamusoro zera ravo, hwevakaroorana chinzvimbo munhu, kuvapo vana, urefu basa uye zvakanangwa kushandisa mari. Nyore nzira kuti chikwereti murume mukadzi nevana. anokwereta Good ane dzidzo yepamusoro chaiyo, basa ruzivo pamusoro makore 10 uye miedzo zvakanaka kurapwa kare. Kuwanikwa akadzima kubhadhara nonoka zvikwereti kare, hwaro pamusoro Kuramba zvikwereti hakuchina. Kubhengi anogona kuderedza uwandu chikwereti. Kunyange zvakawanda zvinoenderana ngozi wokuti tsika.

Kunyange pasina mashoko zvakaoma, kubhangi kuwana ukuru 'chena' mari nemhosva. Kuti izvi zvidaro, chikumbiro pamwe IRS kuti kujekesa uwandu mitero akabhadhara. Pachishandiswa nhamba idzi, akaverenga kukura muhoro akabhadhara. Nepo kwete mabhanga vanoziva izvi, asi nzira dzakadaro zvinoshandiswa uchidzidzira.

akaunganidza ruzivo All hunoyerwa ne scoring gadziriro kuti rinowanikwa pamwero vatengi solvency. The yepamusoro zviri, chikuru mukana mvumo chikwereti pamusoro zvakanaka mashoko.

kuwedzera uwandu

Wana chikwereti wemuno kunogona, ichipa kunanga uchapupu kukwanisa kubhadhara. Izvi zvinogona kuva pasipoti vane mucherechedzo ichangobva rwendo kunze. zvinyorwa ichangobva yakatengwa ndeizvi vakabvumawo, auto, mari deposits kana kubhengi mashoko ane dzose aibuda mari hafu gore. Zvinyorwa izvi zvingava uchapupu solvency.

The nemhosva vanofanira kuva vakagadzirira kupindura nokukurumidza yose mibvunzo kubhengi. Zvinokoshawo kuti nomudonzvo regai "kukanganwa" kubhadhara anokwereta pamusoro chikwereti magwaro - chibvumirano chikwereti mutsividzo purogiramu, mashoko pamusoro mwero inobudirira uye kuwedzera mutengo chikwereti mu.

Express zvikwereti

Kunyange kuwana pachavo pasina kunobva mari, tora imwe zvinoreva zvichiri zvinobvira. Mumakore achangopfuura, akaonekwa pawaitengesa zvakajeka zvikwereti mari. Kugadzira chikwereti zvakadaro unofanira kugovera pasipoti yako uye mumwe gwaro. Izvi zvinogona kuva SNILS, VAT kana zvakanaka. Chisarudzo musi zvikunde chikwereti chinobviswa mukati hafu yeawa. Rates for SERVICING zvikwereti yakadaro yakakwirira zvikuru kupfuura avhareji. Somuenzaniso, "Rusfinance" anokwevera eksperss Tera pasi 71%, uye "Home chikwereti" - pasi 59%. The kunonyanyisa chikwereti mari iri shoma 75 zviuru. Kuzora. Return nzira vanogona uchatamisa muripo nhoroondo kana muripo enyika.

Chii chinoita

Quick mari zvikwereti - inodhura. overpayment pamusoro chibvumirano saizi Ingasiyana 30-50%. zvazvingava chezita Kazhinji kuisa pa 15%, uye dzimwe nguva kunyange 0.01%. Mari mbiri "yakavanzwa" iri makomisheni. Ichi pamwedzi basa kubhadhara (7.5%), iyo vachibhadharisa pakuchinja mari kushaya kubva kadhi (4-5%), iyo Commission nerimwe chemhosva mari (2%), uye zvichingodaro. D. A chinodiwa ndiyewo pamasikiro inishuwarenzi pamusoro chikwereti. Rates siyana "hunonzwisisa" 0.5-1% kusvika 24% yakakurisa.

Nokuti mangwanani mutsividzo basa mhosva nokuda chaiko izwi iri chikwereti kushandiswa. Naizvozvo, kuti nemhosva zvichaita kubhadhara chikwereti nokukurumidza, zvikuru mari nayo achaponesa. The zvakawanda saka nokuti marangirwo kuti mangwanani mutsividzo haisi inopiwa.

kunyoresa

PaIndaneti unogona kuwana yakawanda mbirikira kumabhanga kuti kupa zvikwereti kuti ape vanhu pasina pamutemo basa. Online mafomu vava mukurumbira chaizvo mumakore achangopfuura. Ivo kuwedzera mikana chikwereti kunyoresa. Mibvunzo iri remibvunzo zvose zvakafanana mabhanga. Just zadza electronic chimiro gwaro uye ugozvitumira mashoma masangano. Heano mazano nokukurumidza kuwana chikwereti pasina pamutemo basa.

chikwereti bhuroka

How kuti chikwereti kana musingadi kushanda zviri pamutemo, asi mamiriro ezvinhu havasi kugutsikana pamahombekombe? Unogona kushandisa chikwereti bhuroka. Nekuti mumwe chikamu chikwereti chacho uwandu (5-10%) achaita kugadzira zvose zvinyorwa achatora pamusoro remangwana ngozi chokuita vatengi insolvency. The chete zvakaipira zano iri kuti nevaichinja vanobhadharwa kuti kubvumirwa chikwereti mubhangi. Naizvozvo, vazhinji uye vasiye zano iri.

Chikwereti rovha uye kurongwa

Tora chikwereti pasina mari yakaoma, asi zvinoita. The rwezvemabhengi musika panewo zvakawanda makwikwi. Credit Masangano vanofanira kuva zvirongwa kukwezva vatengi.

Munhu asina pamutemo basa, unogona kuwana chikwereti pasina mari pane pangozi. Panyaya iyi, kusimbisa mabasa uye mubayiro zvechokwadi anofanira kuva mutungamiriri kana chizvidavirire zvakasimba.

Ndeupi bhangi nani kutora chikwereti pasina pamutemo basa? In "OTP Bank" anogona kusimuka kusvika 750 zviuru. Kwiza nechekuzasi. pa 15.9% paminiti annum kwenguva 5 years. In "Renaissance Credit" nokuti izwi rimwechetero anogona kuwana 500 zviuru. Kwiza nechekuzasi. pa 29.1% pa annum. The "Bank of Moscow" vanhu vane zvisina basa anogona kuverenga pamusoro chikwereti mamiriyoni 3. Rubles. ane 14.9% kudzokera wepagore kuva 5 years.

Client zvinodiwa

Anokwereta zera - makore 18.

The yeGmail.END_STRONG inofanira vakanyorwa nzvimbo pamahombekombe yebazi.

Kusavapo yokuremara.

Chete aine chikwereti nhoroondo yakanaka kare, unogona kuwana chikwereti pasina basa rehurumende.

Documents: Russian pasipoti + yechipiri gwaro zvakumbirwa pamahombekombe.

Credit nhoroondo

Usati wawana chikwereti asina basa rehurumende, zvinokosha kuva nechokwadi chokuti yeGmail.END_STRONG anoita chikuru chinodiwa kubhangi - rine zvakanaka chikwereti nhoroondo kare. Kunyengera tsika zvemari hazvishandi. Mumwe mubhengi macheki CI vatengi ayo. Kuvapo nonoka kuripwa chikwereti kare kunogona chikonzero asiri pamwe.

Ki anonzi zvakanaka kana vatengi kuripa zvikwereti zvavo nenguva uye zvakakwana. Vari muchikwata che Best kusvika vatengi vaiva mumwe-nguva kunonoka chikwereti kubhadhara kwenguva isina anopfuura matatu mazuva. Maererano nenhamba, chikuru chikonzero delinquency kwakadaro ndechokuti yeGmail.END_STRONG vakakanganwa kuti kubhadhara chikwereti. Naizvozvo, mabhanga mazhinji kutumira SMS zviyeuchidzo kuti vatengi ayo.

Vaiona kurayirwa anokwereta uyo kuchiripa nonoka mazuva 90. Kuvapo chikonzero chakanaka, chero kuti zvinokwanisika kuti asimbise gwaro ndiyo hwaro nokuda kugadzirisa chikwereti. Izvi zvakare akanyorwa CI. The Bank handizonzwiwo ape chikwereti rutsva nemhosva, uyo asati achidzorerwezve chikwereti iri rekare chikwereti.

Other mikana

Uye sei kuti chikwereti asina basa rehurumende? Labor nebasa mukwereti kuchaita varidzi zvachose asingafariri kuti pawnshops, kukweretesa mari kune vanhu. mabasa avo zvikuru anodhura pane kumahombekombe. The chikamu muzana anofanira dzaona pazuva kana pavhiki. Kuti raanotaura chibvumirano mwero kuti kane mazuva 365 kana mavhiki 52.

How kuti chikwereti asina basa rehurumende: mazano anokwereta

Chokutanga, unofanira kuenzana zveminda pamwe aida chikwereti uwandu. The rendi haafaniri kupfuudza 30% zveminda. Kana ichi hariguti, wozoedza kuderedza chikwereti mari kana kuwedzera chemhosva nguva.

A chikwereti nhoroondo yakanaka, pamberi deposits mubhangi-anokwereta anokwanisa kupa rubatso - kuvapo chero izvi ezvinhu kunowedzera mukana wokusvika nani. chikwereti.

Usanyengedzwa pamahombekombe. Zviri nani kuratidza ari kushanda duku asi chaiye mubayiro kupfuura vemungano.

kuvapo foni Mobile nhasi hapana chitsva, asi mukana kuonana mutengi kuti pafoni nhamba ichava chimwe nani.

mhedziso

Kukwanisa kuwana chikwereti pasina mari hazvirevi uderedze mutengi mhosvawo imwe dzosera. With nenguva mutsividzo pamusoro chikwereti wacho nemhosva vanogona kushandisa chete purogiramu, asi pane zvakawanda zvakanaka mashoko. The kwaita delinquency mu kuripwa chikwereti angavhara kuwana mari. Pashure mutsividzo of chikwereti pamusoro nguva, unogona kushandisa chete mapurogiramu pasi nani. chimbadzo. Banks hariiti pamwe sauka nemakasitoma kunyange pasi purogiramu vakawanda vanotanga.