MariCredits

How kuti bhanga chikwereti ane dzakaipa chikwereti nhoroondo uye yakaderera-kufarira

Dzimwe nguva nokukwereta zvinodiwa zvinogona chete kuitwa pamahombekombe chikwereti. Inopa pamusoro musika uremu. kwete sei kuti kururama pamwechete kusarudza?

How kuti chikwereti?

MuRussia mune hurumende uye zvokutengeserana masangano akawanda, chimwe nechimwe inopa zvinhu zvaro akasiyana. The zano nokuti kuwana chikwereti rakafanana chero chikwereti sangano. Unofanira kusarudza basa, kupa pasuru magwaro uye kumirira sarudzo.

Bank kungada:

- pasipoti, iro rinosimbisa mugari wenyika Russian Federation;

- chitupa kubva mushandirwi pamusoro pamwero mari yokupedzisira 6 mwedzi;

- kopi mabasa kondirakiti kana chisimbiso vanopupurirwa pakati zvebhizimisi;

- kechipiri pepa kusarudza (chitupa chokutyaira, pasipoti, uto ID, etc ...).

Kana chikwereti huwandu yakakura, ungada:

- vimbiso yavose rechitatu;

- rubatso muchimiro pfuma.

Zvikwereti vari rakapa kuti vagari wokuRussia Federation munguva kubva pamakore 21 kusvika pamakore 75. Kana ichi yokumusoro muganhu rinofanira kubudirira panoperera pamwe kubhengi. Conditions, deadlines uye magwaro dzingasiyana zvichienderana chirongwa vakasarudzwa.

How kuwana Mutengi zvikwereti? Cash Loans zvinogona wakabudiswa rubles, madhora kana euros. Kufarira rate kuvimba currency. The vachibhadharisa pakuchinja kushandiswa vakakwereta mari anogona kudzikisa kana vari inopiwa Zvimwe nezvaidzivirira muchimiro rubatso kana vimbiso.

ratidza

Kana uchida mari nokukurumidza, uye nguva kumirira Mutongo kubhangi usiri, unogona kutaura "Credit Cafe", "Instant Credit" uye zvichingodaro. D. masangano aya kupa vatengi vavo chiduku chikwereti kwamazuva mashoma pane zvaunoda chimbadzo. Sei nokukurumidza kuwana chikwereti? Just endai "Bystrodengi" kumabasa, zvitupa, mashoko pamusoro mushandirwi uye mukati maminitsi 20 kunhonga mari. Zvakanakira masangano akawanda akadai: shoma akagadzirwa magwaro, kumhanya zvisarudzo. Sei nokukurumidza kuwana chikwereti kuna vokuRussia? The kuita chechipiri - kutendeukira kuna kubhangi, zvakanga kare atora chikwereti. Kana zvinhu mari haasati achinja, zvingangoita kuti nechisarudzo kudzura kwenguva refu kwete.

Ongorora kuti nemabhengi?

Patichakurukura chikumbiro Lenders kutanga tarisa adequacy ari mashoko ari remibvunzo. Mamwe mashoko anoongororwa kurega zvinhu .. The mudyandigere makore mukwereti kunyoresa iri kusagadzikana munharaunda, etc. Mumwe parameter purogiramu remibvunzo ibasa mamakisi. Pahwaro uwandu Bank anosarudza.

Zvaunofanira kuteerera dzingangoitika anokwereta:

- yaipedzerwa ari overpayment;

- Zvirango kuti mukupera kwokuripirwa mari kuti mangwanani mutsividzo;

- ose omuzasi ari chibvumirano waakaudzwa akanaka anodhinda.

How kuti bhanga chikwereti pasina inishuwarenzi?

Nyore, kana chikwereti yakawandisa diki. Maererano Federal Mutemo "On Kudzivirirwa Consumer Rights", kumanikidzwa inishuwarenzi pamutemo. Izvi zvinodiwa optioneel, asi anogona kuwedzera chimbadzo kana nemhosva anoramba mabasa. Ukuwo, kana insured chiitiko anokwereta anopiwa mari uye kudzivisa zvinetso kuripwa chikwereti.

mukurumbira wakaipa

The zvoupfumi pakati 2009-2010 vakasiya vanhu vazhinji vasina mabasa. Kurasikirwa kunobva mari, havagoni kugara pamwe pemahombekombe zvavo vaite. Izvi zvinoratidzwa chikwereti munhoroondo. Zvisinei, kudiwa mari angamuka chero nguva. Kupi uye sei kuti chikwereti "zvakaipa" vatengi?

Matambudziko angamuka pamusana pokukanganisa banal. Maererano nenhamba, 30% yemutoo wezvikwereti akabhadhara mukupera nokuda yokukanganwa vatengi. Naizvozvo, kazhinji nemabhangi kupa basa SMS achizivisa nezvenguva vachibhadhara. Bvumiranai kana kwete, anoronga nemhosva. Chimwe chinhu, kana kubhangi anoramba kupa Tera, kureva zvakaipa chikwereti nhoroondo anokwereta haisi kutomboziva. Zvadaro pane mukana asimbise mashoko chikumbiro kuna chikwereti Bureau zvose mutengi Data. Sizvo Data zvinogona kugadziriswa. Vamwe zvikwereti mabhanga nyaya, kunyange "zvakaipa" anokwereta, asi panguva soro kufarira prices. Achidzokera chikwereti nenguva uye zvakakwana, mutengi anogona kuvandudza mukurumbira wayo.

Kuparadza hukama kubhangi kamwe, vanhu vanotya kuenda zvakare kupfungwa. Uye nokuda kwechikonzero chakanaka. Kunyanya nokuti mabhanga vanofarira kushanda nemakasitoma vakura. How kuwana zvikwereti masangano nawo ukama dzave vakapamba kare? Uyewo mamwe masangano. Vatengi vanoda kuvandudza mukurumbira wavo nekuvhura ari chikwereti dhipatimendi aine chikumbiro kuvaka itsva kubhadhara purogiramu uye kubvuma kukura muripo. Banks vanofarira kudzorera chikwereti, saka, vasingadi kusangana.

How kuti pamudyandigere

Get chikwereti Employed munhu makore 21 kusvika 60, zvimwe zvinhu zvose ari vakaenzana, zviri chaizvo nyore. Zvisinei, kudiwa mari angamuka mune vanhu vakwegura. Sezvo pamudyandigere kuti chikwereti? Nokuti pangozi zvikuru Mapato vokuparidzira mabhanga vari kugadzira zvirongwa chaizvo ezvinhu. Nokuti zvikwereti masangano, pensioners vari muboka anokwezva pamusoro anokwereta, nekuti:

- ivo mutemo, vanoremekedzwa uye anosunga;

- vane kanenge uye diki asi rakadzikama kunobva mari.

Asi chigumbuso kune anokwereta dzakadaro angava:

1. Age. Panguva chikwereti mutsividzo iri payer anofanira kuva nemakore pasi 75 okuberekwa.

2. Hazvizivikanwi mari. Kana chete tsime mari kuyerera ndiko anokwereta kuti mudyandigere ndiyo huru kukura chikwereti arege kuverenga. Kana vanokwanisa mutengi anofanira kuramba kushanda kana kuita entrepreneurial basa, mikana pake zvakawanda. anomukweretesa mamiriro achange akasiyana chete nemashoko. Kufarira rate vacharamba nenguva chechetere.

Chimwe chinhu basa pensioners - ebasa chikwereti upenyu inishuwarenzi. Saka, tsika zvemari haabati ngozi chokuita zvichibvira kufa nemhosva, izvo zvaizoita kunotoreva chikwereti default. Asi kunyange iyi, pamudyandigere anogona kuvimba shoma rokuti chikwereti kwemwedzi mishoma. Kuwedzera izvozvo, unofanira akwezve duku rubatso rurefu azvipire mari. Asi pano kuchimuka mumwe dambudziko. In zvinoitirwa anokwereta kufa kwake zvinhu uye munataisireva vari hwakatamisirwa chinotevera hama. Heano mazano kuti chikwereti kuna pamudyandigere wemuno.

mubereko-isina chikwereti

Nhasi, mabhanga akawanda kupa vatengi vavo kuti ape chikwereti pamusoro zvakanaka mashoko. Zvakakosha kunzwisisa zvinorehwa.

Ndicho chimwe chinhu kana nemabhengi kuti vanomboenda kudzikisa mwero iri zvikwereti. Zviito akadaro mashoma uye kazhinji rinosundwa vanofanira kushandisa nzira wokufambisa, privechennye pamusoro deposits vane chikamu chiduku. Chimwe chinhu, kana kubhangi anoda kuti ape chikwereti pasi "0%". Sei kuwana nyoro chikwereti munguva iyi? Hapana. Chokwadi kuti Mutemo "On nemabhengi rwezvemabhengi basa" rinotaura zvakajeka kuti ngaakubvumirei zvikwereti vakasununguka chikwereti sangano asina kodzero. Shoma chimbadzo anofanira kuva 0.01% pa annum. Asi pano, mabhengi anogona kumanikidza yeGmail.END_STRONG kuti ngaateme mamwe pasuru mari mabasa, kutanga SMS-ziviso uye nekuguma inishuwarenzi youpenyu. Saka usati kufunga sei kuti awane "pachena" chikwereti, vachinyatsoongorora kuverenga mazwi dzebasa. Zvichida, nani kukwereta panguva soro kufarira rates, asi pasina okuwedzera mari.

Mari bhizimisi kukura

Nokukwereta zvinodiwa angamuka kwete chete kubva vanhu, asiwo Entrepreneurs. Ndingawane chikwereti kuti mumabhizimisi? Unofanira kushandisa kubhangi, achikumbira kupa makopi mitemo magwaro, mashoko zvemari. Zvichienderana mari uye chikwereti chinangwa, chisarudzo chinofanira kuitwa mukati memazuva 7-30. Kakawanda, mabhanga yakazaruka Kwazvakatorwa kuti vatengi ayo. mari iyi inogona kushandiswa kusangana kutira zvinodiwa, zvakadai semubhadharo nezvinhu. Muchiitiko chino, hapana zvimwe inopikira vane kugovera. Asi nzira kuti sei kuti chikwereti pasina guarantors nekuda mari zvikuru mubhizimisi muzvirongwa, anenge hapana. Kubhangi hauchazopi wemuno pasina bato rechitatu inopikira kana rubatso.

matambudziko

Vazhinji vanogara iri chikwereti muusungwa. The kuderedza of Ruble, kwakaderedza mubayiro, basa unocheka - zvose izvi zvinoita sei solvency yacho anokwereta. Mhinduro kuri kuzokuomera mabhanga. Asi pane mhinduro. Pane nzira dzakawanda kwazvo nokugadzirisa chikwereti pamusoro chikwereti. The Bank vangapa kuri kuwedzera mubhadharo kubhadhara wechikoro, vachibvumira kwekanguva kuti kufarira chete, kana kuwedzera chibvumirano kupa "chikwereti zororo." Zvapedzisira nzira iri apo neapo.

Zvikwereti kugadzirisa zviri sezvinotevera: nevazukuru mutsividzo nguva uye rendi ipfupi. Muchiitiko chino, vachava kubhadhara mari yakawanda mubereko. Asi apo mamiriro zvichaita nani, zvichiita kuti kubhadhara chikwereti mberi purogiramu.

Unogona kuchinja purogiramu mutsividzo of chikwereti. Somuenzaniso, kwenguva yakati kuti kubhadhara chikwereti pamusoro Quarterly hwaro. Kana pfupi rokuti muripo mari ipfupi kune vaida mari uye inowedzera zvinoenderana nezvaanowana.

Kana anokwereta riri zvinetso zvemari, unogona kushandisa kubhengi rubatsiro. Asi apo anomukweretesa sangano kuchaita kuomerera kubudirana pachena pamusoro pezvakaita matambudziko. Zvichaita chete kubatsira kana ivo funga nezvedambudziko pfupi uye zvachero. Kana mamiriro ezvinhu dzinonetsa, vakayambira kuti kutengesa rubatso.

How kuwana deferral kuti chikwereti

Mukana kuwana "zororo zvikwereti" inogona chinyatsotsanangurwa mu chibvumirano chepakutanga. Asi ichi chiyero zvakanaka chete kubhengi. Natural vanhu mukana kwete kubhadhara chikwereti mukati 1-36 mwedzi. Pashure kunonoka yakadaro anowedzera muripo mari uye muripo iri akawedzera kuva chikamu. Naizvozvo, kwokutanga mazororo izvi kuchaunza mimwe mari.

Kana anokwereta achiri vakasarudza kutora zororo, zviri kutanga zvakakodzera kuti uzive kubhangi:

1) Izvi akabvumira pasi chibvumirano.

2) Pachava chero kubhadhara panguva kunonoka (kazhinji kubhangi unokubvumira usina kubhadhara chikwereti wechikoro asi kunoda vachinyatsoziva mutsividzo mhindu).

Chido kutora zororo vanofanira kunyora: gwaro kubva mushandirwi pamusoro kunonoka kuwana mubayiro, mwana wacho tsamba yokuberekwa, yokurapa chitupa pamwe nechirwere, uye zvichingodaro ..

nzira nzira

Pane kufunga sei kuwana deferment pamusoro chikwereti, zviri nani edzai kubvumirana pane kuwedzera kondirakiti. Mortgage zvinogona kuratidzirwa 5 years. Kururama kwemashoko nevatengi uye motokari zvikwereti hazvishandi. Count uri zvakanaka mhinduro inogona kushandiswa chete kana akakwereta ane kusvika panguva ino nguva uye zvizere zvinoita kubhadhara.

Kutanga chirongwa zvikwereti uyewo, unofanira kunyora tsamba kubhangi nemashoko zvikonzero, kupa kutsigira zvinyorwa zvose. Chete nzira inofanira kuitwa zuva nezuva kwevhiki mumwechete sezvo Lenders vanowanzotevedzera "kunzwisisa" chii chaiitika, nguva yokutanga. The Bank anogona kuramba rollover pasina tsananguro. Chero zvazvingava, mukana kuwedzera izwi chesungano iri kupfuura kuwana reprieve.

Mitemo yacho Financial pakusimba Six

Asati kutora chikwereti guru, zvinokosha kuongorora kugona kwavo kuzoteerera. Bank, kuongorora mutengi data, hanya chete pamusoro kudzoka. A yakadzikama bhajeti uye mureza kurarama nekuda nguva chibvumirano anofanira kuratidza mukwereti.

1. Change ari optimum ukuru rendi. Vanachiremba vanoti kuti haapfuuri 40% mari. Banks kuderedza muganhu uyu 20-30%. Munguva Masvomhu, zvakakosha pfungwa chete mari ano. Kureva, kana pashure pemwedzi mitanhatu kuti Implementation kuronga basa waronga kuti bhonasi 50% kubva muhoro, zviri nani kumbosendeka kutenga 6 mwedzi. Kana tsanangurai kana achirayira mwero wako chaiye mari panguva iyoyo. Panzira, muUK post-2010 dambudziko, nemabhangi mbidzwa ape chikwereti, uwandu chiri katatu mari yacho anokwereta gore negore.

2. Sarudza mashoko Zvakanyanya Kunaka Panguva Yepamuviri nguva yacho chikwereti, inobva ukuru rendi.

The ukama pakati izvi zviratidzo zviviri kunoshandurwa. Kunokonzera chikwereti rokuti, rezasi yacho payout. Asi iyi, kubhangi vachafanira kudzokera mari yakawanda, sezvo chinobudirira chimbadzo inowedzera pagore. Nokufamba kwenguva refu kwazvo ndingangokuvara nezvinoitika mari.

3. Iva kuchengeterwa mari.

saizi yayo inofanira kuva pakati kumatanhatu pamwedzi kubhadhara. mari iyi inogona kuchengetwa mari yakaiswa dhipoziti uye kushandiswa kana kuti zvimwe chikonzero haugoni kuita kubhadhara iri nenguva nenzira. Mune zvimwe zviitiko, Reserve Fund tichadzivisa pakutanga chikwereti.

4. Itai chikwereti kutenga zvechokwadi zvinhu zvinokosha.

5. Ziva duku zvinhu.

Panguva Masvomhu regai kumativi kukwira huwandu yakagamuchirwa parutivi duku. Zvikurukuru ichi chinoshanda kuna rendi. Kana musingadi kudzokera kunyange sendi chirongo mumwedzi uno, uchava kubhadhara faindi, iro rinowanikwa kuva chikamu ari chikwereti uwandu. Uyezve, vatengi izvi vachangoerekana kuwira muchikwata nokupopota defaulters. Get chikwereti munguva yemberi richava zvakaoma chaizvo.

6. Early mutsividzo uye kuwedzera pamwedzi kubhadhara - hachisi chinhu chimwe. Muchiitiko chokutanga, pakuenzanisa chikwereti pamwe kumahombekombe pakarepo mune muripo imwe mubereko. Asi kana mutengi mishomanana mumutsetse mari inobhadharwa pamusoro yakatarwa, hazvina kumupa kodzero vakazvimirira kuronga "zororo chikwereti".

mhedziso

Muupenyu pane mamiriro ezvinhu akasiyana. Kudiwa okuwedzera mari kunogona kuitika pakarepo. Zvakanaka, kana munhu ane mari "zuva kuchinaya", ipapo iwe haufaniri kupinda muchikwereti. How kuti chikwereti pasina bhuku? Nyore, kana uine rakadzikama rine mari. Munhu chete kuenda kubhengi pasipoti yako uye kusiya kushanda. The kudikanwa rubatso angamuka kana kutenga mufurati, motokari, kana kana chikwereti chinobviswa zvebhizimisi kukura. Mune zvimwe zviitiko, mabhengi zvinoda risingamboshandisi akagadzirwa magwaro, nokukurumidza kudzokorora mafomu uye kuita chisarudzo. Heano mazano kuwana zvikwereti vokuRussia.

Similar articles

 

 

 

 

Trending Now

 

 

 

 

Newest

Copyright © 2018 sn.birmiss.com. Theme powered by WordPress.