Early mutsividzo pakati chikwereti: mamiriro ezvinhu, zvinyorwa

Kana ukasarudza prepay kuti chikwereti, unofanira uzive zvose chesungano. Banks hazvikubatsiriyi mangwanani mutsividzo pakati chikwereti. Saka, vari magwaro waakaudzwa constraints.

mwoyo

Early mutsividzo pamusoro chikwereti ndechokuti chikwereti iri akaripa mberi purogiramu. Zvinonzi akati kuva wakakwana kana mutengi inoita yose mari kamwe. Mienzaniso mangwanani mutsividzo pamusoro mortgages zvinoreva kuwedzera pamwedzi kubhadhara muna 2-3 nguva (zvichienderana chibvumirano). Kana yechipiri, pamwe vasanyanye chikwereti purogiramu kuchinja prepay.

zvirongwa

Kugona kubhadhara chikwereti vakamhanyira kunobva nechikwereti hurongwa: kune pagore negore kana kusiyaniswa kubhadhara. Kana chikwereti iri akaripa zvienzane mari nguva dzose, makore mashomanana okutanga, anenge mari zvose kuenda abhadhare kufarira. Saka kubhangi zvichaita maximize purofiti ako uye kuderedza ngozi.

More zvakanaka kuti mutengi ane zano chete kusiyaniswa kubhadhara. Muripo vokutanga vachava guru kwazvo, sezvo ivo ine chikwereti chacho uye mubereko dzakava pakuenzanisa. Sezvo chemhosva mari chichaitwa zvishoma nezvishoma shoma.

Kunobatsirei nechikwereti

Chinonyanya kukwezva kuti mutengi ane differential redunhu. Muviri chikwereti uye kufarira vanobhadharwa zvienzane nhengo. Hazvina basa kwemakore (3, 5 kana 10) zvizhinji sei nechikwereti anoda kuvhara chikwereti. Anofanira kungoita kuti nepakati uwandu.

Ari pagore negore zano idukusa zvazvakanakira. Makore mashoma okutanga, anenge mari zvose kuenda abhadhare kufarira. Pakazosvika nguva nemhosva achasarudza kuvhara chikwereti, akatoratidza akabhadhara basa rakadaro, kuti pakatanga akasara mari kamwe mhuri bhajeti uchaponesa.

Kana nechikwereti vachiri chivindi mangwanani mutsividzo pamusoro mortgages (Sberbank, somuenzaniso), mbiri tsika kuti recalculate. Uyezve, pane zviviri kuita:

• nokuti makasitoma kuchengeta yepakutanga izwi iri chikwereti, asi zvichaita kudukupiswa mwedzi kubhadhara;
• kwakaderedza nguva chesungano, uye uwandu vachibhadhara vacharamba kuchinja.

chikwereti mutsividzo karukureta anogona kuwanikwa chero kwemutongo tsika. Kurishandisa kuverenga anofungidzirwa chitsama muripo, uye enzanisa maviri chikwereti zvirongwa. Asi kuverenga kunogona kuitwa tisingatungamirirwi.

muenzaniso

The yeGmail.END_STRONG anoda kuronga chikwereti kune mamiriyoni 1 rubles. Kwenguva yemakore 20 (mwedzi 240.) pa 12% pa annum. Chokutanga, tinofanira kutsanangura ukuru rendi uye mubereko.

Maererano kusiyaniswa zano:

1000: 240 = 4, 166 zviuru rubles .. - muviri chikwereti.

Mubereko kukarukureta kunoitwa vachiwedzera pakuenzanisa mwero gore negore uye kugovera ukoshi kubudikidza mwedzi 12:

1000 0,12 X 12 = 10 zviuru. Kuzora. - uwandu mubereko.

Saka, kuwanda vomureza rendi kuti:

4166 + 10 000 = 14,166 zviuru. Kuzora.

Maererano pagore negore urongwa:

1000 X (0.01 + (0.01: ^{(1 + 0.01) 240 -1)} ) = 11 011 zviuru kwiza.. - chitsama pagore negore muripo, apo:

• 0.01 = 1:12;
• 240 - kuwanda mwedzi achirumbidza.

Enzanisa isu ngaaverenge mubereko chezvinonhuwira nomusi wokutanga mubhadharo:

1000 0,12 X 12 = 10 zviuru. Kuzora.

E. Of 11 011 zviuru. Kuzora. Mumwedzi wokutanga rubles 1011 chete. Tichaverengerwa dzinounzwa kuna chemhosva kuna chikwereti, uye vamwe - mubereko.

Pashure pemakore 10, mutengi kuzvitenga kubhangi: 11.011 X 120 = 1321 32 zviuru rubles ..

Kuburikidza chete nguva zano kusiyaniswa mutengi ndicharipira pamwedzi:

4,166 + (1000 - (4.166 X 120)) of 0,12 X 12 = 9.167 zviuru kwiza..

Early mutsividzo pakati chikwereti, izvo akashandisa zano pamwe kusiyaniswa kubhadhara, kunobatsira chete wokutanga hafu chesungano. Pamwe kuderera, chikuru chikamu kufarira aidai mumakore, uwandu muripo.

nuances

Sezvo tsika zvinoratidza, kana akakwereta anotarisira prepay chikwereti, haafaniri chete kusarudza zvakarurama purogiramu nani, asiwo kuti yakawanda ari mwedzi.

Kubatsira harisi chete kana mari kuti mukwereti achashandisa chikwereti panguva auyise yepamusoro anodzoka nokupedza Somuenzaniso, deposits kana zvimwe pfuma. Mupiro zvingava zvikuru kubatsira kana chikwereti izwi iri makore 25 kana kupfuura, sezvo rendi uye kuderera zvishoma nezvishoma.

Nzira yokuita mari

Pashure anokwereta akasarudza mangwanani mutsividzo pakati chikwereti iri mari Bank, zvakakosha kuti kusarudza nzira kuita mari. Nani kubhadhara pamwedzi tranches panguva LEVEL pane neapo kuti zviviri kana katatu mari. Asi, chokutanga, mutengi hapasi kuva kupa zvokuti. Chechipiri, pemahombekombe pachavo zvakapa constraints. Somuenzaniso, tora yokutanga ruregerero chete nezuva debiting, dzinoda pre-anoshanda kune schema shanduko. Kana anokwereta ipapo anochinja pfungwa dzake, iye achava kubhadhara faindi. Saka, mushonga uyu zvinoenderana kana mutengi anoda mwedzi kunyora chikumbiro, enda kubhengi kuti purogiramu mutsva kunetseka pamusoro isingatarisirwi mari uye zvichingodaro. D.

Kuripwa mortgages rwaamai guta

Mutemo anopa kushandiswa matkapitala nokuda kutengwa kana kuvakwa Real Estate. Mari inogona kupedzerwa kubhadhara pasi kwokuripirwa wechikoro kana mubereko. Nokuti anokwereta ndiyo vanoshorwa rokutanga zano. Chokutanga, kwete bhengi wose anomira matkapital ive mberi, uye chepiri kuti chimbadzo kuwedzera pamusoro zvirongwa zvakadaro. Richishandiswa kuva kuti kana nemhosva haagoni vakazvimiririra kugadzira pasi kubhadhara, zvino yava sauka kana kuvimbika. Nhasi, mabhengi vachiita zvichemo, asi anowedzera inishuwarenzi njodzi yavo.

Kakawanda voruzhinji mari akabhadhara mari kunoshamisa. Uchatamisa mari nhoroondo mubereko musoro, kana payer asingadi kuronga kubhadhara chikwereti mberi purogiramu. Muchiitiko chino, zviri tichiregeredza matkapitala mari basa, kuderedza pamwedzi chakabudiswa.

Kubhangi unofanira kupa zvinotevera zvinyorwa kuti chemhosva kuti chikwereti:

• pasipoti;
• chitupa nokuti matkapitala;
• mashoko chikwereti nokuripira.

mushandi webhanga kuchaita ngaateme tsamba, rine mashoko pamusoro yasara uwandu muzvikwereti uye mubereko, uchapupu muridzi.

Mudyandigere Fund anofanira kupa mvumo yawo kubhadhara chikwereti rwaamai guru. Kuti aite izvi, unofanira kuunganidza uye kuzviisa pasi magwaro akadai:

• pasipoti yacho munhu kodzero yokugamuchira voruzhinji mari;
• chitupa;
• zvinyorwa achisimbisa musengwa kubhadhara chikwereti: chikwereti kondirakiti uye rugwaro kubva pamahombekombe;
• chitupa varidzi venyika mufurati, chibvumirano waakazvitengesa;
• mashoko ari PF akakwereta Chido uchatamisa mari kuripwa chikwereti;
• zvimwe zvinyorwa pamusoro kudiwa.

PF mukuru anofanira ape risiti magwaro uye munyaya yake kugamuchirwa musi. Mumwedzi zvichaita kusarudza kuti disbursement mari kubhengi kana marara.

inishuwarenzi

chirongwa chikwereti inishuwarenzi chinodiwa ibasa chero pfuma, uye dzimwe nguva zvose. Mushure kuvhara zviri chikwereti mberi nguva nemhosva ane kodzero muripo nezvaizoitika mabasa. chibvumirano The inishuwarenzi inogona agumisa uye furati mberi purogiramu (kana hazvina zvinopesana panyaya achiposa), kuti kubhadhariswa guru. Ipapo rendi achapiwa kuderedzwa uwandu inishuwarenzi.

refinancing

The yeGmail.END_STRONG anogona kushandisa mumwe kubhangi, kuti Vandudzai chikwereti: kuchinja kukarukureta nzira, chirongwa izwi, mwero uye nezvimwe zvirwere. Changing akakweretesa hazvirevi kubviswa encumbrances. The mufurati vacharamba vari rubatso, asi pane imwe tsika. Pasinei zvazvakaipira pachena (muunganidzwa idzva yakatarwa magwaro, kuvandudzwa chesungano, mamwe mari), nzira iyi zvakakodzera, kana nemhosva achida kuchinja chikwereti mutsividzo zano zvinoyevedza.