Ndeipi bhagheni iri nani kutora chikwereti?

Munguva pfupi yapfuura, mamiriyoni evanhu venyika yedu, achishamiswa, achishamiswa pakurondedzerwa kwechikwereti chemari. Chii icho uye chinodya chii? Munobhangi ipi zviri nani kutora chikwereti uye kana kutora matambudziko, kubatanidzwa mune "chiitiko"? Kana kuti pane njodzi yekuendeswa kune imwe chikwereti chekwereti, kubva kwaunenge usingakwanisi kupukunyuka? Uye zvichida uyu ndiwo mukana wekuti vakawanda vakamirira kwemakore akawanda? Zvino pachitaura nezvechikwereti chekutengesa chikwereti, kukurukurirana kunopisa kunotanga nehuwandu hwemashoko ekuda imwe purogiramu. Ndeipi bhagheni iri nani kutora chikwereti? Ndeipi iyo inowanikwa muchechi wepasi ? Zvakanaka, nhasi kutenga imba mune imwe chikwereti chave chinhu chakanyanya kunaka, sezvo dzimba muMoscow inodhura zvikuru, uye iwe unogona kutenga imba chete nenzira iyi. Kunze, hongu, iwe uri oligarch. Zvadaro kufanirwa kwekwereti yekutenga chikwereti kwakapararira kuSt. Petersburg, uye kubva ikoko kuenda kune maduku maduku. Mushure mekusvika kwekuzivikanwa kwakadai, mubvunzo unomuka: "Munobhengi kupi kutora chikwereti?" MuSberbank yekare yakaratidzwa? Kana zviri nani kutaurirana mamwe masangano e "vaduku"?

Ndeipi bhagheni iri nani kutora chikwereti?

Zvinonzwisisika, kana uchisarudza chisarudzo, iwe unofanira kunyatsosarudza bhangi ichakupa purogiramu yechikwereti. Ichokwadi kuti Sberbank's mortgage ichava yakanakisisa uye yakanakisisa, asi kuitira kuti uiwane, iwe unoda kuzadzisa mamiriro akawanda ezvinhu uye unosangana nenhamba yakawanda yezvinodiwa izvo bhengi rinotungamirira kune avo vanogona kukwereta. Izvi hazvishamisi, nokuti muSberbank iyo inowanikwa neyakaderera uye inowanikwa zvakanyanya . Kana iwe usingagoni kuwana chikwereti muSberbank, usaora mwoyo! Bvunza mubvunzo "bhengi iri nani kutora chikwereti" kune shamwari. Mushure mezvose, kunewo shark zvekutora chikwereti, zvakadai se DeltaCredit kana Raiffeisenbank. Vane chido chekuda, asi kwete rurefu rwakadaro rwezvido zvekuda. Panguva iyo kune miviri miviri mikuru yekugovera pamusika: kutenga mari yekutenga dzimba dzechipiri uye chikwereti chekutenga imba mune imwe imba ichangovakwa.

Mamwe mavara ekutenga chikwereti

Hatifaniri kukanganwa pamusoro pekupa mupiro wekutanga, izvo zvinodiwa nemasangano ose ebhengi pasina. Kwete kare kare yakange inenge makumi matatu kubva muzana, iyo yakanga isiri nyore kune vagari vese veRussia. Mukuwedzera, kana iwe uchiwedzera huwandu hwemwedzi wepamusoro kune chiyero ichi, mufananidzo wakave wakaipa. Nenzira yakanaka, chiyero ichi chakaderera, izvo zvakakanganisa kuwedzera kwekubhadhara chikwereti. Iko nguva shoma yekutora chikwereti makore matatu, iyo nguva yakareba inogona kusvika makore makumi matatu. Iye zvino kune mabhanga akawanda akasiyana-siyana anopa zvikwereti zvavo, saka kutenga imba inowanikwa seyechokwadi sekutenga mishonga yekugeza. Saka usanonoka, bvunza shamwari neshamwari: "Munobhengi ipi zviri nani kutora chikwereti?". Pamusoro pemhando dzakasiyana-siyana dzezvirongwa zvekwereti, pane imwe chete iyo inokutorera iwe nzira yakanakisisa.