Kana iwe usingagoni kubhadhara chikwereti, zvokuita? Vacation chikwereti. Mutemo "On Insolvency (Bankruptcy)"

anomukweretesa pamusika Russia iri kuramba kukura. uwandu vasiri kuita zvikwereti kwakawedzera pamwe nayo. The kukuru chitsama chikwereti uye kwenguva refu kunonoka, zvikuru mutoro pamusoro nemhosva. It chikara denderedzwa. Kana munhu anoda kubetserwa asingadi kubhadhara chikwereti kwenguva refu, zvinoita nyaya kudare pamusoro pake. Pasina chikonzero chakanaka kudzivirira nzvimbo kunonoka achava zvakaoma chaizvo. Sei kuchibhadhara?

dzemari waachangoroora

Kana munhu zvinoshanda kuti chikwereti kubudiswa kubhangi, zviri pamusoro zvinyorwa ndicharipira: mari, pensions, chokunyora zvinhu. Zvisinei, zvisingatarisirwi ezvinhu angamuka zvachose. Kuti chikwereti haina kuva mutoro, zvakakodzera kutora matanho pachine. Zvikasadaro uchafanira Rack pfungwa dzavo kundotsvaka mhinduro wokuti: "Kana ini handigoni kubhadhara chikwereti, zvokuita," Chii chaungaita iwe mazano mumamiriro ezvinhu aya?

Chekutanga, usakanganwa pamusoro chikwereti. Kunyange kana pamukova asingadi kunyange kudana vateresi, kubhangi vacharamba akamurairawo mubereko uye Zvirango. Credit nhoroondo iri kuipa.

Chechipiri, usagunzva kumahombekombe vashandi. Zvikasadaro, iwe achakurumidza kuwira muchikwata che scams, kwete vatengi mutemo.

Chechitatu, edza kuti tidzikame. Hungu, mamiriro ezvinhu Hazvinakidzi, kana bhengi vashandi pangozi nedare. The chikwereti pamusoro chikwereti - iri dambudziko zvemari. Zvakadaro zvinhu haisiri vanofanira ape chikwereti itsva abhadhare yekare. Tinofanira kuisa pfungwa akurukure rokubhengi uye musaedza kuunza nyaya mudare.

How kuvaka nhaurirano?

Kana mutsividzo chikwereti pfupi uye hwakabatana pamwe basa kuchinja, zviri nani kutaurirana itsva mubhadharo purogiramu. Zvakawanda sei kuronga kuzororo zvikwereti, verenga mberi.

Kana dambudziko pamwe mari nokukurumidza yapera, zvakakodzera kubvunza kubhangi renegotiate mashoko chesungano uye kupa magwaro achisimbisa insolvency yacho (zvokurapa chitupa, chitupa kuberekwa / rufu, t. E.). Zvichakubatsirawo kuti kutsanangurira kubhangi apo mari ave kuwanikwa mushure kwenguva. Chokutanga, nani kukumbira kunonosa pamusoro 2-3 mwedzi. bhangi akavimbika havagoni kupomera Zvirango kana akagutsa yeGmail.END_STRONG kuvimbika. Kana nokukuvadzwa chibvumirano pamusoro zvichemo itsva kubva pamahombekombe, unogona kukanganwa.

kugadzirisa

Kana iwe usingagoni kubhadhara chikwereti, zvokuita? Unogona kuedza kutaurirana chikwereti kugadzirisa, kana "itangezve" kuti chikwereti ezvinhu. Nheyo huchishanda ndiyo zvakangofanana. Tinofanira kuratidza chokwadi pamusoro insolvency pakati pamahombekombe nezvikonzero zvakanaka, kutsanangura apo mari ichava pamusoro nguva. Credit sangano anofarira munhu dzosera. Kana kubhangi achanzwisisa kuti ari kubata munhu chaiye mutengi, iwe kuchaderedza chitsama muripo, uye achatambanudza upenyu kondirakiti.

Mugumisiro kugadzirisa kunobva yeGmail.END_STRONG kuti mukurumbira uye pfungwa. Consumer chikwereti muna 20 zviuru. Kwiza nechekuzasi. vawedzere kwete kushandira 3 years. Kunyanya kana zvinova kuvazivisa kuti kunobva kwemari richava chikwereti chitsva.

chikwereti zororo

Kana iwe usingagoni kubhadhara chikwereti, zvokuita? Mumwe magadzirisirwo dambudziko kunogona kuva kugadzira "chikwereti zororo." Chii? Official dudziro rokuti hauna chinyatsotsanangurwa chero nhindi mitemo, asi mabhanga kazhinji kurishandisa kutaura nemhosva. Vacation chikwereti - a kunonoka kuti mubhadharo pamusoro chikwereti, asi Shanduro chemhosva purogiramu chikwereti. Basa iri inopiwa chete nokuda kwezvikwereti-refu (mortgages uye zvikwereti motokari). Mutemo "On Insolvency (Bankruptcy)" inopa mbiri zvokusarudza kuti "chikwereti zororo." Mumwe nomumwe wavo ane pachake zvachiri.

Pedzisa kunonoka mutsividzo pamusoro chikwereti pasina kuchinja mashoko chesungano yakapiwa kamwe kwenguva yose nguva chikwereti, uye kakawanda kuti muripo. The hwaro "mazororo" izvi vane chikonzero chakanaka, izvo zvinogona document- zvinosimbisa: kuderera kwezvirongwa zvoutano, kudzingwa, etc ...

Bank nani kupa yeGmail.END_STRONG zvishomanana kunonoka kuripwa chikwereti, akapa nenguva mutsividzo kufarira pamusoro chikwereti. Service anogona akapa kaviri muzana Nguva chibvumirano, asi kwete kwokutanga pane 3 months pashure mhedziso yayo. Sezvo mubereko zvinoumba chikamu chikuru chezvinhu muripo, muripo pachayo ipfupi zvishoma. Kana chikwereti nguva isina kuwedzerwa, ipapo pakupera "zororo" rendi chitsama inowedzerawo. In ezvinhu zvose, kuwedzera yose overpayment pamusoro kondirakiti.

How kuti kunonoka?

"VTB" zororo chikwereti inopa mushure mekugamuchira umboo akaoma mamiriro ezvemari. Vamwe masangano anopa basa rakadaro nokuti nemhosva, asi kuti muripo. How kusvika "VTB" chikwereti kuzororo? Unofanira kuunganidza uye kupa chikwereti mukuru magwaro achisimbisa akaoma mamiriro ezvemari, shandisa kwenguva chokunyora kubhadhara. Pashure pokugamuchira chisarudzo akanaka kusaina okuwedzera chibvumirano pakuchinja nechikwereti mamiriro.

"Vacation" angava kwekanguva mhinduro, kana iwe wakatora chikwereti haagoni kubhadhara chikwereti nenguva. Asi mashoko basa anofanira kudzidzwa zvakadzama kuti arege kupinda muusungwa itsva.

gomba chikwereti

Kana iwe usingagoni kubhadhara chikwereti, zvokuita? Chinhu chokutanga unofanira kudzikama uye iye kupinda vaonane mubhangi.

Kana yakawanda zvikwereti, unofanira kuunganidza navo mumwe, kubhadhara chikwereti kamwe chete pamwedzi uye regai -wedzera Zvirango. Unogona kusimbisa chikwereti uye mamwe chikwereti masangano. Zvisinei, munhu akakweretesa itsva zvinoda hombe pasuru magwaro uye mubhadharo basa.

Regai kunyonganisa refinancing uye kuwana chikwereti mutsva mari. Basa rokutanga anopiwa kuderedza chikwereti mutoro. The yeGmail.END_STRONG anogamuchira chikwereti chitsva panguva yakaderera mubereko prices uchikumbira chemhosva yekare zvikwereti.

Mutemo "On Insolvency (Bankruptcy)" inopa kuti rubatso anogona atengeswe. Zviri nani kana anokwereta kutora danho iri nokuzvidira. Zvikasadaro, bhengi unoda kutengesa pfuma hafu musika mutengo.

Unofanira kutanga kuzivisa chikwereti kupfungwa foreclosure. Kana kutendeseka pakati mutengi vasanyanya kubhangi kutumira mumiririri kuti dzinoona kutengeserana. Hapana chakaipa kuti. Credit sangano anofarira kugadzirisa dambudziko. Nyanzvi rubatsiro kuwana mutengi uye magwaro zvakakwana kutengeserana.

handina kubhadhara zvikwereti: nechirevo

The chikwereti pamusoro chikwereti - iri dambudziko zvemari. Vagadzirise zvakaoma, asi kwete hazviiti. Chinhu chikuru - usaneta. Chii chinoitika kana musingadi kubhadhara chikwereti zvachose?

Chikwereti kuchaita -wedzera sezvinoita snowball. Nokufamba kwenguva, kufarira, Zvirango uye mutumbi chikwereti kuchaita pfuura kwemari. Chikwereti kunge kunze nokukwegura.

Nokufamba kwenguva, kubhangi ndichakuita kuonana. Chokutanga, tsvimbo unodana chikumbiro centre uye nyanzvi. Chinangwa chavo - kuti kudzorera. Vateresi vanoshandisa zvoutsinye nzira pabasa; dana guarantors, kushanda, siya mashoko shamwari dzako munzanga network.

Chii chinoitika kana musingadi kubhadhara chikwereti zvachose? Nokufamba kwenguva, shoko inoenda kudare. Kana chibvumirano zvine rugare vakakundikana, zvikonzero zviri kunonoka chikwereti kwete, ipapo kubata magweta paruvazhe zvikuru zvinoita hapana njere. All mari yacho ikabva achabviswa kuti mukwirirwi. Pashure chisarudzo roruvanze Lawyers kutsanangura pfuma uye akariisa nokuda okisheni nokuda kutengeswa.

kutongwa

Chimwe chinhu, kana chikwereti panowanikwa justifiable chikonzero. Kuva zvokurapa Mushumo Kuipa utano, kana kopi murayiro rutapudzo anogona uye anofanira vanosimbirira kodzero dzavo nemabhengi. Kana kadhi sangano haatori magwaro aya kupinda nhoroondo, zviri nani kuenda kudare pachavo. A gweta nomazvo anogona kubatsira kudenha zvinodiwa kubhengi wacho. Pane chinhu kuwana mhosva. Inishuwarenzi kusangomanikidzira fines zvakanaka yakakwirira, uye magwaro wokutsauka. Kuitira kudzivirira kodzero dzavo mudare, vane mwoyo murefu. Dare anogona kuderedza mari bhadharika ne50%, uye kuti hake yomupomerwi kupa hapana zvinopfuura 20% pamwedzi mari kubhadhara chikwereti.