Where kuwana mari zvokukurumidzira zvinodiwa?

Kazhinji vanhu vari nechinetso kudikanwa imwe mari kuti chimbi zvinodiwa yokukurumidzira. Kunyange kana munhu agara akararama mukati nezvatinowana, vanotozvikuvadza tinofanira kubvunza mubvunzo, "Tinotofanira mari, apo kuti?". Somuenzaniso, mumwe munhu anonoswa muhoro, uye nokuda kurenda imba kana chikwereti unofanira kuripirwa pakarepo. Kana mwana anorwara, mudiwa, motokari akaputsa, uye pasina hazvibviri kuti kushanda zuva nezuva kuti anunure mhuri kuchikoro, kukireshi uye basa.

Options sei uye kupi kuwana mari shoma. Vakawanda uye nomuzikamwi vavo - bvunza hama neshamwari. Kana ivo nguva dzose vane mari vakasununguka uye vanofara kubatsira nguva dzose - zvakanaka, nekuti, pakutanga kwezvose, rubatsiro rwakadaro anogona kunzi beprotsentnym chikwereti, uye chepiri uri mhanza pamwe pedyo zvakatipoteredza uye rutsigiro.

The kuita chechipiri - kushandisa kuminamato vanyori 'achigadzira se "Quick zvikwereti pasina zvitupa," "Mari zvose," "Credit kwemaminitsi mashanu," uye zvichingodaro. Zviri nyore - aripowo pasipoti, kuronga chikwereti, pakarepo kuenda nemari. Zvikurukuru nokukurumidza Micro-chikwereti mu chitsama chikwereti (kubvira 20 kusvika 100 zviuru rubles) uye yakakwirira mwero (anenge 700% pagore, kana 1-3% pazuva). Asi zvikwereti izvi wakabudiswa mwedzi kana miviri, nekuti hapana vakadzikama anokwereta haribvumirani kubhadhara zvikuru. fines uye vairangwa mukupera kuripwa chikwereti hurongwa akanaka yakaoma, kuti nemhosva kunogona anoparadzwa.

Zvinotevera mhinduro yomubvunzo   kuda kutora kupi mari - zviri anokurumidza zvikwereti mabhanga. Credit Masangano uyewo varambe vachifambirana nguva kuzozivisa itsva chikwereti zvigadzirwa. Kana paine kudiwa nokukurumidza zvikwereti, wadii kutora mukana uye kwete racho ichi? Uchada chete pasipoti, uye maminitsi 20-30 nguva yako. Chinangwa chikwereti, uwandu wako mari haisi kuchikosha, dhipoziti hauna kuzvireva. Chokwadi, kubhengi unobereka ngozi default pamusoro zvikwereti kutsanya, saka prices pamusoro pavo dzakakwirira zvikuru kana tichizvienzanisa nevatengi zvigadzirwa.

Uyewo, kana iwe hauzivi kuti kupi mari, unogona kujoina kadhi mubatanidzwa (kana chikwereti cooperatives). Nhengo masangano aya pamwe zvavanotarisira zvemari uye matambudziko, mumwe anozarura rubatso, mumwe anoita chikwereti. Zvimwe kugamuchira chikwereti ari pamwe yakadaro zvinoda mari mashoko. The chikwereti yakawandisa kazhinji duku. zvikwereti chinangwa dzaisiyana: dzidzo, kurapwa, pazororo, kutenga motokari, dzimba, vachishanda guta mari kune Entrepreneurs. Zvinokosha kucherechedza kupfuura "munhu" nemafungiro anokwereta mune chikwereti mibatanidzwa. Kana akayambira pachine uye tsanangura chikonzero, zvingangoita kuti imi "wakarurama" kunonoka uye dzakaunganidza fines uye Zvirango (kana Chokwadi, regai kushandisa kuvimba).

Nokuti vanhu vaya vanoda iwoyo kuti aikoshesa mari, pane the pawn zvitoro. Masangano aya hanya mbiri kare, uwandu mari, basa ruzivo uye zera, sokuvapo anokwereta aiva pasipoti uye magwaro ari rubatso. Vanokwanisa ichi, icho akapa kupfuura siyana pfuma - kwezvishongo, motokari, Real Estate, nyika, mbava zvigadzirwa, mobile phones, Laptops, uye mahwendefa pakurinda Swiss. The chimbadzo ari rubatso chikwereti dzakakwirira zvikuru prices pamusoro kumabhanga kunoenderana rubatso liquidity, anoda kubatsira kubva 0.5% kusvika 2% pazuva.

Where kuwana mari uye sei kubuda muzvikwereti, iwe kusarudza. Vanofanira kudzokera, uye mutengo kushandiswa nevamwe vanhu mari zvakakwirira chaizvo, saka pamwe unofanira kufunga pamusoro Zvarevashe "zvokukurumidzira zvinodiwa" kana kuwana kadhi rechikwereti. Yokupedzisira nzira iri nyore zvikuru uye zvakanaka nokuti anogona abhadhare anenge ose zvitoro, kuti chimbadzo haisi kukwirira (18% PA), mabhanga akawanda kupa zvaunoda mubereko-wakasununguka nguva kushandisa mari (avhareji - kusvikira mazuva 50). Mukuwedzera, kadhi inoshandiswa sezvinodiwa, iwe chete kubhadhara kutenga chaiwo aita, pasinei iripo muganhu. Kuti haana kunge chipatapata kutsvaka mhinduro yomubvunzo wokuti kuti pane mari nokukurumidza, zvakarongedzwa rako pachako kana mhuri bhajeti uye kuva vakagadzirira asingatarisirwi mari.