How kuwana chikwereti nezvakaipa chikwereti nhoroondo: ezvemutemo

zvikwereti Mortgage - chimwe chezvinhu mukurumbira chikwereti mhando munyika. Mukana kutenga dzimba dzavo pakarepo uye kwete pashure pemakore rusaruro pacharo pazvose, ari kukwezva vanhu vakawanda. Zvisinei, kuwana chikwereti nezvakaipa chikwereti kare kunogona kuva dambudziko rakakura munzira kuenda hope kwenyu wekona.

Zvokuita mumamiriro ezvinhu akadaro? Kupi ruvara pamusoro mari mukurumbira uye kugadzirisa dambudziko zvishoma ropa? Izvi uye nemimwe mibvunzo zvikuru muverengi dzakawanda, kamwe nechisarudzo kurambirwa chikwereti.

Chii chikwereti chikwereti

Chokutanga, ngatimbotaura pamusoro chii chiri chikwereti uye zvikwereti kare, sei inesungano nepedyo, uye kana munhu anogona kukanganisa vamwe.

By rokuti "chikwereti" zvinoreva kuti achirumbidza, mhando kana chikwereti kutenga dzimba, uye kuti anova kiyi kubhangi kusvikira chikwereti nokuripira. Panyaya iyi, mutengi kunyange anonzi mwene mufurati, asi havagoni kuita chero zviito pamutemo. Kana Zvirango vanobatanidzwa kusvikira zvizere mutsividzo yacho chikwereti yacho yeGmail.END_STRONG rinomira kubhadhara mari. Pakupedzisira, bhengi anogona uye anoita dzokuzvitorera mufurati kubva vasina hanya anokwereta. Muchiitiko chino, vanhu mungozi akasiyiwa kuitwa pasina mari uye pasina pokugara.

Kuwedzera kwamira kana pokumbononotswa kuripwa chikwereti, pane zvimwe zvikonzero kugumiswa kondirakiti:

• defacing pfuma, kukundikana zvinoenderana uchishandisa ezvinhu;
• kutapukirwa zvivako kushandiswa kumapati wechitatu;
• kutyora ezvinhu ose inishuwarenzi;
• redevelopment pamusoro kwakavakirwa, kuchinja redzimba tehharakteristik.

Kufungisisa chokwadi kuti zvikwereti vakadaro vanobhadharwa vaviri emakore, mabhengi vari vanyatsohuongorora tarisa vaya vanopa mortgages. Vari kuedza nepose yekuzvidzivirira asiri nokuripira muzvikwereti. Nokuti avhareji pamahombekombe yakanaka anokwereta sezvinotevera:

• Age - anenge 27-30 makore. Izvi zvokuti kunongedzera pakuguma mutengi kubhadhara havana kumudyandigere.
• Mumwe mukuru mukuru muhoro. Kana zvakaoma ako kanenge katatu rendi pamusoro chikwereti chako, iwe ndigokugamuchirai mutengi upi bhengi.
• Nechiitiko chinoshamisa kambani zvakanaka, kunyanya pamusoro repamusoro mumhanyi.
• A yakadzikama emhuri, uyewo vaviri vana chete kusimbisa nzvimbo yenyu. Uyezve, zviri chinodiwa kuti murume (mukadzi) vakanga basa pamwe ndaitambira mari yakanaka.

Asi kunyange kana ukasangana zvose izvi zvinodiwa uye unofanira kuva chikwereti, akaipa chikwereti kare anogona kutamba nemi kwakaipa chinosekesa.

Apo chikwereti nhoroondo anoita

Ani naani anoda kushandisa kubhengi aine chikumbiro kuti kuwana chikwereti, unofanira kutanga kunzwisisa chii chinorehwa nemashoko okuti "chikwereti nhoroondo", sezvazvakanyorwa kuumbwa, apo rinogona kuwanikwa uye chii zvinokanganisawo. Zvadaro, pane kuti pester shamwari neshamwari nemhere mhere: "Batsirai kuwana chikwereti nezvakaipa chikwereti kare!" - Munhu anogona vakazvimiririra itibatsire mamiriro ezvinhu.

Usati wasarudza pane pamasikiro chikwereti, sangano zvemari hazvo kureva bch (chikwereti Bureau). Kukodzera mashoko ose munhu ane nokusingaperi muupenyu hwangu kutora mari chikwereti. Mumamiriro Database akadaro yoku- mashoko pamusoro chii chinoitwa kubva zvikwereti izvi kana kuti munhu, nokungwarira kana kuti kubhadhara kana kunonoka kwakanga. Kana vaiva pakakuvara chibvumirano, zvinyorwa zvichava vo ari chikwereti nyaya.

Chii chinonzi "akaipa chikwereti nhoroondo" uye kuti chinobata

Sezvaunoziva, ruvara CI - chikonzero pokuramba kuwana munhu mogeji. Kuwana Databases vose zvikwereti masangano, pasina anosara. Pane nzira dzakawanda naro macheki kazhinji kuitwa. Somuenzaniso, akadai:

1. Kutadza kutevedza chibvumirano chibvumirano, kuti kunonoka muripo, kurambwa rakakwana wazvipira.
2. Zvikonzero kuti murege kuvimba anokwereta, asi achiipa miedzo zvekuchipatara. Izvi zvinogona kukanganisa ari mashoko, kuti muripo neimwe pamahombekombe, mushakabvu mubhadharo, ane zvisiri kukarukureta yokupedzisira chakabudiswa, uye zvimwewo.
3. Kwokunyepedzera mabasa. Pane zviitiko apo fraudsters vanoumba chikwereti, uchishandisa zvinyorwa vamwe vanhu. Vanodzoka mari, Chokwadi, havasi kuenda. Muchiitiko chino, kunyange kana mabasa tsotsi yavose rechitatu zvichabviswa akaratidza, IQ wenyu vakapambara kwazvo.

Chokwadi, yeGmail.END_STRONG sokuti haana mhosva, asi kubatsira chikwereti iye hazvo hunodiwa ekupedzisira nyaya mbiri.

How kuongorora chikwereti pachako nhoroondo yako uye nei izvozvo zvinofanira kuitwa

Kuti tidzivise mamiriro ezvinhu, zvakanakisisa nechokwadi kuwana zvavo IQ Pachine. Chokwadi kuti kubhangi Haaiti kuita zvimwe kukurudzira yekuramba, asi kakawanda kupfuura vashandi mari kumasangano anotaurwa kwairi. Kunze ose pamusoro zvinhu, anogona kukanganisa kunyange zviduku zviitiko:

• diki (mazuva mashomanana) kunonoka musi mutengi chikwereti;
• mangwanani kuripwa chikwereti pasina mvumo yemuridzi pamahombekombe;
• kukundikana kuita ayo nemhiko, kana wanga uri rubatso pamusoro chikwereti hama kana shamwari;
• chikwereti muna 2-3 Ruble kunokonzerwa nokuda chikanganiso ari Masvomhu.

Kuti tidzivise dambudziko, kuti mutemo kanenge kamwe pagore, ongorora yenyu chikwereti mukurumbira. The zvakawanda kuti kuzviita zvikuru nyore:

1. First unofanira kutaura rinokosha Unit Bank of Russia, rinonzi "Central Catalog Madz". Vanofanira kuwana ruzivo pamusoro apo chaizvoizvo nyaya yako.
2. Zvino, kutumira chikumbiro kuna imwe zvikwereti Bureau uye vawane anodiwa ruzivo. Kamwechete pagore, zvinogona kuitwa pachena.

How kuwana chikwereti, ane nekusvibisa zita mukurumbira

Chero mashoko iwe kuwana, usaora mwoyo. Yeuka, unogona vachiri kuwana zvikwereti. Bad chikwereti nhoroondo kuzvirumbidza, Chokwadi, hakusi zvakakodzera. Asi mamiriro ezvinhu anogona kugadziriswa. Sei? Kune nzira dzakawanda:

• Kuzviisa pasi magwaro kuti chevanorwara duku zvemari, tarisa havasi kudaro akanyatsokopwa kungazoguma;
• pekuhwa- nda vanozoshanda;
• Pakunamata nokuti mortgages mubhangi, izvo kare anokupai mumwe chikwereti;
• chikwereti kubva yokuvaka;
• kuuraya of risi-kutengwa.

Panewo nzira izvo zvisiri zvakakodzera kushandisa. Hapana chakavanzika pamisika pane masangano kuti wagadzirira kuti muripo weUS kugadzirisa magwaro. Kuti aite izvi, sezvamunoziva, imhosva. Kungaguma migumisiro yakaipa.

Uyewo mune Bank anomukweretesa rakanyatsojeka inozivikanwa kuti rokutengesa chiokomuhomwe. Izvi zvinoreva kuti vamwe vashandi mari kumasangano vakagadzirira kuvhara maziso avo akaipa chikwereti munhoroondo nemhosva. Zvechokwadi, kwete chete saka, uye mubayiro hwakasimba. Usangogutsikane kuti. Zviito zvakadaro zvakare pamutemo.

Unogona kugadzirisa nhoroondo zvakaipa

Mortgages vane nhoroondo yakaipa - zviri unotambudza kwazvo, asi chaizvo. Kuwana zvikanganiso zviri CI, unogona ikwidzwe chikumbiro kuti vachinje. Muchiitiko ichi unofanira kuratidza kuti mashoko iri kadhi nhoroondo, nevanoodza pasi kururamiswa. cheki vachange kuitwa pamusoro chikumbiro chako. Panguva ino, unofanira kugadzirira magwaro kuti anorondedzera somunhu akatendeka nemhosva. kwema kwakadaro kungasanganisira:

• pakutengeserana kusimbisa mubhadharo mamiriro;
• zvakabviswa mari masangano, kushaya kunoshamisa zvikwereti;
• rugwaro kubva kumapurisa kuti chikwereti akanga wakabudiswa fraudsters MAPEPA enyu;
• mamwe magwaro kuratidza kwako mhosva.

The odhita vachapiwa akasarudza kuchinja kwako chikwereti kare. Kudai, uye iwe havabvumirani nemigumisiro bvunzo, munogona kuenda kudare uye achadzivirira kodzero dzavo ikoko.

Kana wako chikamu kutyorwa vakaita kutora nzvimbo, uye ikozvino hauzivi sei kuwana chikwereti nezvakaipa chikwereti nhoroondo, zvakakodzera mberi sezvinotevera. Tora chero mubhengi diki zvikwereti nevatengi nokuda kutenga Somuenzaniso, mhuri midziyo yemagetsi, uye zvinyoronyoro kubhadhara. Dzokorora matanho aya kakawanda. Saka iwe kugadzirisa mukurumbira zvemari yako, uye zvikanganiso zviduku kare iwe vachakuregereraiwo.

The chikwereti kubva yokuvaka

Ikozvino ngatitaurei pamusoro sei kuwana chikwereti nezvakaipa chikwereti nhoroondo, kana zvakarurama hwakatadza uye kubhengi wanga akarambazve. Muchiitiko chino, unogona kuedza kushandisa zvakananga yokuvaka. Kwete guru chaizvo kuvaka yemakambani kazhinji vanoda kukwezva rechitatu-party guru. Kuti vaite izvi, vanofanira kuonana kubhangi sechikwereti. Zvisinei, izvi handizvo saka zvinobatsira, sezvo imi kubhadhara mubereko.

More kunobatsira kuita kuti kugumisa aine mutengi chibvumirano Yakabudiswa. Panyaya iyi, iyo yokuvaka anowana mari yacho kuti kuvaka uye zvakasikwa vanhu - kukwanisa kubhadhara mari redzimba zvikamu.

Kana zvakwakanakira pachena, zvakadai somunhu kusafarira, mari, mubhadharo kuongororwa uye inishuwarenzi, nzira iyi ine chinokosha Vakaomerwa - ane vasingakoshi nguva muripo nokuda Yakabudiswa. Kashoma chero boka vangabvumirana kugumisa chibvumirano chakadaro kwenguva inopfuura 5 years. Uyewo, imi muri chokwadi kuti zvinoda kuva nokururamisira zvakasimba yokutanga yakavamba. Kakawanda iri vanenge 30% of mutengo pokugara.

Kubata chiduku pamahombekombe

Kana uri kushamisika kuti kupi munhu chikwereti nezvakaipa chikwereti nhoroondo, edza kutaura wechidiki kubhengi kana chevanorwara diki zvemari. Masangano yakadaro kurwira nomumwe nemhosva uye kazhinji kuderedza zvinodiwa kuti vaida mortgages.

Uyezve, zvikoro izvi kakawanda kushanda nyanzvi vasina ruzivo rwakakwana pasango anomukweretesa. Zvichitaurwa zviri nyore, ivo havana kuziva kuti kutarisa, asi tine chido chikuru kupinda imwe kondirakiti.

Asi nzira iyi ine zvainovhiringidzawo. Kakawanda iri kumbonyanya soro kufarira prices kana nokuiswa okuwedzera mari. Nenzira iyi, mabhanga duku vanowanzopedzisira yekuzvidzivirira defaults.

Rubatso bheiro +

Munogonawo sei kuwana chikwereti nezvakaipa chikwereti kare, ndiko kupa vazhinji yakawedzerwa rubatso uye guarantors.

Sezvo hapana nemabhengi hariiti pamwe wokusavimbika nemakasitoma, unofanira vabvume vaaishanda navo kuti unogona kuvimba. First unofanira kutsvaga kutsigira munhu wakavimbika mari uye kuva nemari hwakasimba. Kunyange nani, guarantors izvi vachava vashoma. Muchiitiko chino, kunaka chikwereti nhoroondo yako hakuzoitiki yakanyanya kurema kutarira mumaziso maneja. Pashure pezvose, vari chiitiko yokukundikana kutevedza mitoro arwo chikwereti kare zvinoda co-signer.

Kana unogona kupa kubhengi chinhu chinodhura, iwe muridzi kodzero, zvichasimbisawo yekudyidzana mikana yako yokuenda mogeji. Inogona kuva sedumba, imwe motokari inodhura, imwe nyika yokurenda, antiikki zvishongo uye zvichingodaro. Zvinofanira kunzwisiswa kuti watengwa mupanda achava kiyi. Kana ukatadza kuita ayo nemhiko, ungarasikirwa zvose rubatso uye achasiyiwa chinhu.

Simudza chitsama chokutanga chakabudiswa

Zvinenge zvose zvikwereti chikwereti vari wakabudiswa aine zvishoma (pasi razero) yokutanga yakavamba. Naizvozvo, kana usingazive sei kuwana chikwereti nezvakaipa chikwereti nhoroondo, asi iwe une yakakwana mari mari iripo, edza kuronga chikwereti huru pasi muripo. Kana unogona kuita zvakanaka vanenge 50% of mutengo pokugara, akaipa nhoroondo kubhangi chinowanzoitika kutsausa sevasingaoni. Izvi zvinoitika nokuti, kunyange zvazvo iwe pasisina kukwanisa kubhadhara chikwereti chacho, kubhangi anogona kutengesa nyore furati wenyu hafu kukosha kwayo chaiye uye vachawanazve mari.

We zvinokumbira murevereri

Dzimwe nguva mutengi ndechokuti kare akasuruvara zvakadaro, kuti kubatsirwa kuwana mortgages. Nokuti chinangwa ichi pane chinokosha chikwereti nevaichinja. vanhu ava kukupa mazita nemabhangi kuti vanoda kuita kutaura dambudziko vatengi. Nokuti muwedzero, kuti bhuroka achatora pamusoro Nhaurirano zvose uye vari anongoda anosimbiswa kukupa mortgages. Zvisinei, rubatsiro vabatsiri akadaro mari zvinodhura, asi dzimwe nguva ndizvo chete nzira.

Tinoita mufurati anoreva nhema

Pane imwe nguva ravakwa kune Russian Nzira chikwereti zvikwereti pamwe nekusvibisa zita mukurumbira. Izvi anoreva nhema dzimba. Musimboti kuti munhu anopinda imwe risi-kutenga dzimba. Pamwedzi mari panguva inoumbwa mutengo rendi uye chitsama chikwereti muripo. Credit nhoroondo iyi asina kutamba chero basa. Pashure pezvose, pamberi mubhadharo yose mari mutengi hakusi muridzi furati, uye tsika zvemari.