Chikwereti kugadzirisa: chii? Magadzirirwo kugadzirisa chikwereti?

Muupenyu, pangava zviitiko apo Mari ichangobva Tera haisi chinhu chakaoma uye kwakaoma zvisingaiti. Chero anokwereta anoziva chinogona kukanganisa: pamutemo chiito, ane uwandu chepfuma uye kumanikidzwa kuzoita zvikwereti maererano nezvakatongwa nemapurisa. Maererano mitemo ano, dare anekodzero kumanikidza kugadzirisa zvikwereti zvakaipa. Sezvineiwo, pemahombekombe pachavo havasi averse kupa nzira iyi rakabvongodzwa anokwereta, Chokwadi, kana haasi kufarira zvekufamba.

chikwereti kugadzirisa: chii

Kana kutora panze chikwereti anenge hapana anokwereta haadi kuti atarisana pachako kusauka, kana muripo chikwereti sungiro hazvibviri. Asi maiwe, nerimwe gore chikamu hunonyanya chikwereti inokura, saka vazhinji inongova mubvunzo: kwatingaita kuderedza chikwereti sungiro uye kuderedza chikwereti mutoro? Zvinosuruvarisa vanhu vakawanda vachiri havazivi nzira yaJehovha rutapudzo vanofarira uye Zvirango. Uye vanhu vakawanda vanobvunza mubvunzo uyu, sezvo kugadzirisa chikwereti. Chii? Chinangwa nzira ndiyo kuvandudzwa kwemutongo chibvumirano, umo yakadzokororwa deadlines kuti vachibhadhara uye mubereko. Chisingafaniri kuvhiringidzwa refinancing nechikwereti! Kana chikwereti kugadzirisa, kuzodzosera chiratidzo chesungano anogona chete zvemari sangano, iyo yakatorwa ndowengava uye refinancing - chero mamwe bhengi.

kugadzirisa Features

chikwereti kugadzirisa purogiramu yose, asi chikuru chikonzero chacho nezvekutanga kuti vakarashika kubhadhara uye delinquencies pamusoro kondirakiti. Pashure pezvose, kana refinancing nuances izvi zvinogona kuva chikonzero chokuramba, asi kugadzirisa ivo unobvumirwa. Uyezve, kuvapo vakasununguka chikwereti Nde kukonzera renegotiation chesungano pamwe mukwereti. Banks hazvibatsiri litigation, kuti kuchikosha kurasikirwa nguva uye yakawedzera chikwereti Portfolio. Mune zvimwe zviitiko, kuwedzera chikwereti Portfolio anotakura otomatiki rutapudzo kuti bhangi rates, uye avo, uyewo, kudzikisa Rating masangano.

The zvikonzero kuti kugadzirisa

By perepodpisanie chibvumirano vari:

1. Nebasa pedyo anokwereta.
2. Kuderedza mwero mari.
3. Chakakomba nekurwara mukwereti kana vomumhuri.
4. Zvimwe zvikonzero zvakanaka, yekudyidzana uchiumba kuderera padanho mari.

Zvakanakira kugadzirisa

Somuenzaniso, kana paine kugadzirisa chikwereti pasi mbiri iri mari Bank, mukwereti kubatsirwa nokuti dambudziko iri pachena:

1. Kukwanisa kuponesa yakanaka zvikwereti nhoroondo, pasi zviduku delinquency.
2. Possible kudzivirira kumatare, vane chikuru nezvainoita mupfungwa mamiriro nechikwereti.
3. Mune chiitiko nezvinetso zvemari perepodpisanie chibvumirano kazhinji zvinopa mukana kwete chete kuramba mukurumbira wakanaka, asi kuponesa mari yavo. By nokusaina nebasa kondirakiti ine chikamu duku (mu ichi pemahombekombe vari zvikuru asingadi, chete panyaya dzakawanda "akaoma").
4. Dzivisa pachako kusauka nokutanga itsva muripo uye mashoko muripo zvinogamuchirika mativi.
5. Kugadzirisa chikwereti chikwereti muna mumari Bank zvinopa mukana kubvisa zviri dzakava fines uye Zvirango.
6. Usagunzva uye kumanikidzwa chikwereti muunganidzwa Executive chikonzi.

The chikuru dzakasiyana-siyana chikwereti kugadzirisa

Panguva iyoyo, pane mhando dzakawanda chikwereti amboshandurirwa kugadzirisa chirongwa, zvinoti:

1. Prolongation kana rinosandurwa mashoko kudzoka inogarwa uwandu. Somuenzaniso, chikwereti akaiswa Kwenguva 5 years. Pashure pokukungurutsira pamusoro kwokupedzisira mutsividzo musi akazonzi makore 7, rendi yakanga ipfupi.
2. Kushandura chikwereti mari. Izvi hazvisi inonyanya kufarirwa nzira mabhanga Russian, asi, zvakadaro, vari kuramba kushandiswa nokuda hupfumi ezvinhu. Zvinonzi kubvumirwa chete chaiye anokwereta pamusoro mashoko zvinogamuchirika vose ezvinhu. Muchiitiko chino, chikwereti wakabudiswa muna US / Euro chakatsiva Ruble Gengi uye kufungisisa ano kufarira.
3. Mukana kuwana "zororo chikwereti". Saizvozvowo nokusazvidzora anokwereta vari akamborasika nemabasa avo kwenguva 3 kusvika 6 mwedzi. Kuti basa iri, unofanira kuonana kubhangi pamwe yakakodzera chikumbiro, pashure kufarirwa iyo anokwereta anokwanisa kwekanguva. asingakwanisi kubhadhara mubereko uye wechikoro uwandu chete. Hapana mutongo.
4. Full kana kukwana Kudzimwa pamusaka Zvirango uye fines.
5. Rutapudzo kufarira pamusoro chikwereti. Rinoshandiswa kashoma uye chete akavimbika uye aivimba anokwereta.

Kubatsira chikwereti kugadzirisa

Mune chiitiko nezvinetso zvemari, unogona kubata nyarara muitiro perepodpisanie chibvumirano pamusoro kupfuura zvakanaka mazwi. chikwereti kugadzirisa: chii? Izvi anonyanya kukumbira kubhangi pamwe yakakodzera nokushanda chikumbiro kuti renegotiate mashoko ari chikwereti chibvumirano. Somuenzaniso, achinyorera mashoko pamusoro kugadzirisa chikwereti, Sberbank (mharidzo iwe zvinopa dzebazi) Uchazoti zvakanyatsonanga mairi chikonzero kurapwa kwakadaro. Uye kana kubhangi hwokuva chikonzero chakanaka, iwe uchava kusaina chibvumirano vakawanda benign ezvinhu.

The vakawanda nzira kuti kunyoresa kugadzirisa

Kana uchitsvaka kunyoresa uye nzira yose kugadzirisa pane mukuru mitemo masangano ose zvemari, izvo regai yekudyidzana siyana. Usati kuti kugadzirisa chikwereti, unofanira kugadzirira magwaro anotevera:

1. Russian pasipoti.
2. Kushandiswa nokuti kugadzirisa chikwereti Sberbank, nzwisa amuchapa tsika maneja.
3. Original basa rekodhi aine chiratidzo kudzingwa kana zvinoderedza kuti muhoro.
4. Rugwaro muhoro nokuda 6 mwedzi kubva wokupedzisira basa.
5. Zvaida yepakutanga chitupa kubva mabasa wedunhu basa, izvo zvinofanira kutaurwa mashoko musi kunyoresa uye uwandu pamwedzi kubatsira (kana dzakava).
6. The mvumo nomukwanyina kuti kugadzirisa chikwereti.

Izvi zvakarongwa rose zvinyorwa zvinodiwa kubhengi nokuguta munguva pfupi urema pamusoro anokwereta, uye akasarudza nenzira yakanaka nyaya kugadzirisa chikwereti. Chii, zvinova pachena, akapa hwakakwana nzira mumatanho ose kuungana magwaro uye kusaina chibvumirano.

Kana uchida kushandisa kuti chikwereti kugadzirisa

In zvinoitirwawo zvikwereti zvakaipa hwobva kutsvaka rubatsiro ari pedyo zvikuru bazi Bank yenyu. Kana zvisingaiti, ndapota kudana Hotline uye runhare kutsanangura mamiriro ezvinhu. Ungangove, iwe uchava kutungamirirwa emunharaunda nechepakati hofisi, nyanzvi mune zvikwereti chikwereti, yamuchakwanisa kuva ramangwana kuramba nhaurirano. Chinonyanya kukosha - kuenda kubhengi kukumbira kudzokorora chikwereti chibvumirano kusvikira nguva yakadai chikuru chimiro kunonoka uye vachaitwa penalized. Early kurapwa kazhinji adzokorore chibvumirano iri kupfuura akanaka anoreva mukwereti, pasina mubereko uye Zvirango.

Mune chiitiko nezvinetso zvemari, pakarepo taura hofisi yako pedyo. Pemahombekombe pachavo havasi kufarira kuunganidza zvikwereti dzakaipa uye haizopereri dare zvekufamba.

Zvinetso Debt kugadzirisa

Kana. Kana chikwereti chenyu rava dambudziko uye dzakava kufarira uye Zvirango, mabhengi anogona kukupa imwe kugadzirisa, asi ane diki chinhu. Kana kugadzirisa zvikwereti zvakaipa pemahombekombe vasingadi kunyora kure Zvirango uye fines, saka chikwereti chibvumirano vari kuedza kuita yose mari. Kana kusaina kuriteerera. Kana vasingabvumirani mabhanga dzimwe nguva ndindosangana anokwereta, achidzikisa kana kunyora chose fines uye Zvirango. Panguva iyi, mabhengi vari kupa restukturizatsiyu sezvo yokupedzisira danho kurutivi anokwereta pamberi kushumira dare magwaro.

Kugadzirisa nevatengi chikwereti

Izvi mhando kugadzirisa - zvikuru nevakawanda pamusoro mumhuri nechikwereti pamusika. kugadzirisa nzira kuti mutengi mbiri nyore chaizvo, haatarisiri mimwe magwaro, uye nemabhangi kuzvitarisa kuburikidza minwe yangu. Nokuti nevatengi zvikwereti dzinosanganisira: rokubhengi, mari wakatorwa pamusoro unyanzvi uye nezvimwe zvinhu zviduku zviripo kusvika zviuru 1 zvamadhora .. Vakawanda zvibvumirano zvose pamusoro kugadzirisa zvikwereti kuti mutengi -imenno hunhu iri diki nezuva zvinodiwa.

kugadzirisa nzira iri nyore, mabhengi vanoda mundosangana navo, uye Chikurukuru - mukwereti havagoni kunonotsa sarudzo. Pashure pezvose, nokukurumidza onana tsika zvemari, yakanakisisa ezvinhu pari anogona kupa.