Shanyira mumwe yemumwe vateresi chikwereti, zvokuita?

Ungangove, iwe wakange kanenge kamwe muupenyu kushandisa basa mbiri hurongwa. Asi kwete mumwe wevaya akatora zvikwereti, aikwanisa kubhadhara naro nguva. Muchiitiko chino, kuti chikwereti ane zvikuru vakaregeredza Vanobhadhara, Vanonzvenga zvinoda muunganidzwa makambani. Kutaura naanamai izvi kununura yakawanda zvisingafadzi nguva. Kunyanya okutuka kana vateresi mhosva wokumwe chikwereti. Hazvina kunaka kuti izvi zvinoitika Kazhinji asi kuti kukurukurirana kwava vanodiwa. Nei izvi zvichiitika uye chii kuita - hurukuro pamusoro pazasi.

Ndivanaani vateresi, uye nei vari kudana

Hazvina kujairika kwatiri, shoko "nomuteresi" iri shanduro chaiwo rinoreva "nomuteresi", asi haafaniri kuunganidzira inoratidza kana kungozvifunga kuunganidza, uye mari kubva vakaregeredza mitero. Vateresi anogona kuita sevanhu kana masangano ose - muunganidzwa makambani. Dzimwe nguva "vateresi" aya uyewo nhengo tsvimbo kuchengeteka basa kubhengi. chikuru basa ravo - angambosvika (pamutemo) kumanikidza ngava kubhadhara ayo aite mari. Dzimwe nguva zvakanaka isingachinji muenzaniso kukundikana kuitika, zvinogona kuguma nemigumisiro.

Shanyira mumwe yemumwe vateresi chikwereti, nezvikonzero zvakasiyana-siyana, asi kazhinji zvinoitika nokusaziva, zvakarurama kuti dzimwe nguva zvakaoma chaizvo. "Collectors" kare wakajaira kushanda kujairika ezvinhu, uye vasingawanzotauri sei kuteterera kwako uye tsanangudzo, nekuti vanhu havadi kubhadhara chikwereti, zvakare, kazhinji vanoti vasina ukama nayo.

Iwe ave rubatso?

Kana ukangoramba kudana mumwe wacho vateresi chikwereti, rangarira, kana iwe usiri munhu rubatso nokuda chikwereti shamwari dzako, hama kana vashandi. Yakanga? Zvadaro anodana "muunganidzi" chaizvo panguva zvimwe munhu atora chikwereti, vakaumba chikwereti zvikukutu, uye kubhengi asarudza kuunganidza mari kubva rubatso, ndiye kwamuri.

Chinhu chokutanga kuita - kutaura munhu yakabudisa chikwereti, uye edza kuziva kuti kukundikana kubhadhara yakaumbwa, uye sei nokukurumidza kuenda kudzima nayo. Zvichida tinofanira kutsvaka nzira yokugadzirisa pamwe dambudziko - kutaurirana kubhangi pamusoro chikwereti refinancing kana kuedza refinance nomumwe sangano (Chokwadi, muchiitiko ichi hakufaniri kuita sechinhu rubatso kechipiri).

Kana zvinoitika kuti chikwereti haasi kukwanisa kugadzirisa musengwa, basa chaizvoizvo akachinjirwa kwamuri. Uye zvichaita kubhadhara. Chinhu chakanakisisa chaungaita - kuenda kubhengi kuti pamwe kutsvaka mhinduro. Kamwe iwe uchagara pamwe chete chikwereti sangano, unekodzero wokugadzirisa hama (shamwari) pamusoro chikwereti kuti muri rubatso, rose uwandu chikwereti mudare.

mhosva hama

Kazhinji pane mamiriro ezvinhu apo chikwereti akanga achitora mumwe kubva kumhuri yako, uye munoziva uye handizivi. Senzira mabasa nomuteresi kuwana mari kubva anokwereta nechinhu pamutemo nzira, panyaya paumbwe kunonoka vanotanga pestering foni zvose mhuri yake neshamwari vane mafoni vanogona kuwanikwa.
Zvinokosha kuziva kuti chero bedzi hamusi rubatso nokuda chikwereti, chemhosva muzvikwereti unogona kuva bedzi nyaya mbiri:

• panyaya rufu mukwereti, kana uri mugari wenhaka munhu akatora zvikwereti, uye vakagamuchira nhaka;
• Kana uri (murume) mukadzi chikwereti, asi muchiitiko chino, kuvamanikidza kuti abhadhare chikwereti chete kuti dare.

Naizvozvo, kana vateresi vari kudana womumwe chikwereti, iyo yakaumbwa kubva yenyu mukoma / hanzvadzi, vabereki, vanababamunini, vanatete uye dzimwe hama, noushingi kuti haufaniri kuva nechikwereti nechokuita uye havadikanwi kuiripa.

Mhosva muvakidzani

Kazhinji, vateresi kutsvaka kuita zvinodiwa mugumisiro, vanotanga kuita fronts zvose. Vakawanda vavo, pasina kuwana chinhu zvakananga kubva chikwereti kana mhuri yake, tanga achirira zvose vavakidzani, vatinoshanda navo uye shamwari anokwereta, ari kutarisira kwakadaro "kurwisa fronts zvose" uchapinza inoita zvabuda. Pakadaro, kana iwe kudana vateresi vamwe vanhu zvikwereti, izvo zvamunazvo zvachose, nomutsa uye zvakasimba tsanangura kuti zvachose hapana vaitire kana "vateresi" kana zvavo nemhosva. Uye akati kwavari haana kudana zvakare. Kana izvi zvikasashanda - ipapo usazeza Vezvemitemo.

Handizivi iye

Zvisinei, dzimwe nguva, zvinoitika kuti vateresi anodana womumwe chikwereti mweni kwamuri murume. Izvi zvinoitika nokuda kwezvikonzero zvakasiyana-siyana - somuenzaniso, nhamba dzorunhare rako kare vaiva munhu, pakunyatsomuziva chikwereti, kana iwe dzapinda mekamuri, aichimbova muridzi uyo akatora chikwereti, ndapota zvinosanganisira kero yenyu yekare. Dzimwe nguva pane Typos ari banal zita, nhamba dzorunhare, uye mamwe mashoko.

Zvinosuruvarisa muchiitiko ichi, kurasa vateresi nyore tsananguro Kashoma - vachafanira kuita zvakawanda nesimba. Chokutanga, tsvaka vanhu data, nokuti yauri kugamuchirwa, zvino kuita chikumbiro kubhangi, kuti ndiye vandine. Mutsamba kunan'anura kuti kane mashoko akarongwa zvisiri kumutorwa kwamuri uye kubvunza munhu kuchinja kuti Database. Mirira mhinduro. Zvakanakisisa kutora zvakare pana kubhengi ichi gwaro raiti yenyu haina akanyorwa chikwereti pamusoro chikwereti. Bvisai makopi magwaro aya ose uye kuvatuma kubudikidza vakanyoresa tsamba kuti Kero muunganidzwa kambani. Kana, pashure ose pamusoro bata kutambudzwa haangavi kumisa - kunyora mashoko kuti muchuchisi uye mapurisa.

Kana vateresi mudane hama dzako

Chokwadi, hazvifadzi chaizvo kupinda mamiriro ezvinhu apo vateresi vanodana vamwe vanhu zvikwereti. Kunyanya kana chikwereti zvirokwazvo ndezvenyu, sezvo callers nezvevayaruka Somuenzaniso, vabereki 'kukwegura.

Chekutanga zvose zvakafanira kutsanangura mhuri kuti chaizvoizvo une chikwereti, muri abhadhare munguva yemberi iri pedyo uye kuvabvunza kusanetseka. Next, unofanira kukumbira nevadiwa kuyeuka chii zvaunogona uye handigoni kutaura vateresi uye sei yakanakisisa yokuvaka kukurukurirana. Kudzivisa zvimwe matambudziko, chero zvazvingava, regai kutaura mashoko chero munhu anenge pachavo kana hama nechikwereti. mhuri yako havafaniri kuudza nomuteresi chero mashoko: zita idzva, kero, nhamba dzorunhare, uye mamwe mashoko - zviri basa renyu. Zvakanakisisa nokushivirira kudzokorora kuti havana nemi chero yakananga vachionana, haana kutaura uye harumiririri apo unogona kuwana. Kana mhuri yenyu kuomerera nzira yakadaro, pakupedzisira, vateresi achambomiswa.

"Mufaro" Letters

Kunze kuti vateresi anodana womumwe chikwereti, dzimwe nguva ivowo vaita "zvakanangwa pakukurukura". Rimwe mangwanani ungaona mune mailbox wako tsamba yaiti zvingani uye chii umbiridzai unofanira, uyewo shoko kuti chikwereti hwakatamisirwa muunganidzwa kambani. Nokufamba kwenguva, tsamba kuonekwe zvakawanda uye kazhinji, uye kuwanda kwavo anogona kuramba ichiwedzera. Kundorwa basa vateresi zvikwereti zviri nyore chaizvo - regai sei nawo. Kakawanda, izvozvo "ounyanzvi" vari nyore akadhindwa ari muhofisi aidhinda uye regai inosanganisira chero kwezvisimbiso uye zvikamu, izvo zvinoreva kuti kungova kapepa kuti isina pamutemo simba.

I ainzwika ...

Foni kubvira vateresi pamusoro womumwe chikwereti anogona kununura husina zvakawanda dambudziko, nekuti kazhinji vanenge inodzokororwa ose zuva uye chero nguva yezuva. Kunyange kana kudaidzwa-muzinda opareta chete netsika, kudana wechishanu ratova kuchiita kuti vanhu vasafara uye namashanu infuriating.

Dzimwe runhare haisi wakaderedzwa kungoti kutaura kubhangi mushandi (the nomuteresi kambani), uye anotora rakanaka yakaoma hunhu, nokushandiswa mutauro unonyadzisira uye kutyisidzirwa chikwereti uye mhuri yake. Yeuka kuti zviito zvakadaro pamutemo uye kunotoreva tsotsi basa pasi Article 163rd uye 119th weCriminal Code (neupambi kutyisidzira muviri kukuvadza azvaitwa).

mumuviri migumisiro

Kunyange vashoma vateresi kutyiswa wokumwe chikwereti ari zvaitambidzwa padariro mumuviri vachionana Somuenzaniso, unogona Welcome kumba kana kubasa. Kana muhofisi kuchiri padare, zvikuru kuti unogona kukanganisa iri nyaya - munhu inosembura zvikuru chinyadzo, uye sidelong glances nevamwe. Asi pano pamba vanofanira kungwarira zvikuru:

• chero zvazvingava, musarega kukokwa vashanyi mekamuri;
• edza vanyore kukurukura pafoni kana inzwi sahwira;
• Kukurukurirana zvose kutungamirira chete pamberi pezvapupu, zvakadai vavakidzani.

Vateresi mudane womumwe chikwereti - zvokuita uye sei kuva

Kana uchiri havasi rombo uye imi tatarisana vashandi vanoramba kuti mubhangi kana kuunganidzwa sangano, kutanga musavhunduka. To nokukurumidza sezvinobvira kumisa chisingafadzi kukurukurirana, zvinokosha kuva nzira yakajeka, nokuti tariro kuti iwe uchava ndoga, izvozvo chete hakusi zvakakodzera.

Saka chii kana runhare kubva bhanga womumwe chikwereti:

• pakutanga kwezvose vanofanira kuziva wauri kutaura, kudzidza zita uye patronymic ose kunobva, uyewo nenzvimbo yaro;
• zvakare edza kuziva zita sangano, ayo kero ndeechokwadi uye zviri pamutemo, uye nhamba dzefoni runhare zvizere;
• kunyora pachavo mashoko ari chikwereti, iyo vachimirira muteresi (pamahombekombe mushandi);
• chinyararire kuteerera wacho zvinodiwa uye kumbira kuti kuonana pashure;
• Kana wacho anoramba kukuzivisai ari pamusoro data, zvakachengeteka dzima kukurukurirana, kuyambira kuti kuda kushandisa kuti kwemitemo masimba.

Next achafanira maererano ezvinhu:

• kune apo pane kudanwa kuti nechimwe (Somuenzaniso, iwe zvaiva rubatso nokuda chikwereti chibvumirano kuvazikamwi), kuchenjera kutsvaga kutsigira gweta zvikwereti, uye tsvimbo mutero sangano (Bank) kupa kuenda kudare;
• Kana iwe chete akaita nokudyidzana munhu ari kwemamiriro chibvumirano, uye kunyange zvakawanda saka kana iwe haufaniri anokwereta sabatsira - onana kubhengi kujekesa zvinhu, asi vateresi panguva yechipiri kudanwa mushumo zviito akatorwa uye kumbira zvakawanda iwe usarwa;
• ari chiitiko inodaidza achaita kutsungirira - edza kunyora pasi vachikurukurirana patepi, uye kutaura mapurisa pamwe mhosva neupambi;
• uye kana kuti asingadi kubatsira - nyorera muchuchisi aine chichemo pamusoro kunyaya vatevedzere mutemo.

Kana zvikasadaro zvose hazviitiki

Kana apo vose vari pamusoro nzira musapa kutsvakwa mugumisiro, uye vateresi pestering vanhu usiku mumwe munhu zvikwereti, chete mhinduro yechokwadi kudare redzimhosva. Achitsigirwa gweta anonyatsokwanisa, tinogona zvakachengeteka vanoti reparation kubva mutsika pamahombekombe, uye mune zvimwe zviitiko kunyange kukuvadza. Somuenzaniso, kana, pashure mukukurukurirana vateresi kunge zvinoshamisa kwakawedzera BP uye aida rubatsiro, kubhangi achapiwa vanosungirwa kuripa mari kurapwa. Saka kana kukurukura chikwereti navateresi akakubudisai "kubata", musakanganwa kuponesa vose rubatsiro kubva kukiriniki uye kuongororwa kuti nezvinodhaka.