Kunyanya makadhi. Chii nguva nyasha uye sei kudzidza kushandisa zvakanaka?

Kuwanda zvichibvira makadhi kupfumisa vomunyika yedu zvishoma nezvishoma kuwedzera sezvo anomukweretesa mari kare akanakidzwa ndoda yakakurumbira kupfuura kare. anokwereta Vazhinji vaifanira nechokwadi chokuti, pasinei yevimbiso ezvokushambadzira mabhanga, ichi chikwereti chigadzirwa inodhura kwazvo.

Makadhi nhasi vava zvikuru nevakawanda mudziyo, asi mari kuverenga oruzhinji vokuRussia yasara yakaderera chaizvo. Kunyange ane "mapurasitiki", anokwereta zhinji havazivi chii nyasha nguva uye kuishandisa zvakanaka.

Zvinoumba nemakadhi siyana

Nokusanganisa pfungwa "epurasitiki" uye "zvikwereti" kadhi, vamwe regai musiyano izvi nguva akasiyana rwezvemabhengi zvigadzirwa. Zvichakadai, kwete ose "mapurasitiki" ndiyo kadhi rechikwereti.

Kutaura zvazviri, chero kadhi anongova chishandiso kuvhura rokubhengi. Basa chii howa nhoroondo kadhi unesungano, zvichashaya, chichagamuchirwa akaverenga kana zvikwereti.

Debit kadhi (zvinofungidzirwa) nyore kunoita kuti kubhadhara zvinhu mukati pachiyero mari dzavo wayo. Credit Card inokupai wayo muridzi kuwana kuwana kwete chete kune mari pachake, asi vo chikwereti, izvo pamahombekombe chinopa mukwereti.

Grace-nguva pfungwa

Chero chikwereti makapiwa pahwaro yokukurumidzira uye muripo, saka kuti kushandisa mari kwagara mhosva muripo weUS dzaona ave chikamu. Kuderedza kana kudzivirira zvachose kubvumira izvozvo makadhi pamwe nguva nyasha.

Kusarudza kushandisa kadhi iri, mumwe anokwereta anofanira kudzidza mitemo kurishandisa dzokubvisa kunonyanyisa vanobatsirwa huripo mudziyo zvemari. Zviri mashandiro zvakanakira huri rwezvemabhengi kondirakiti. Pashure pokudzidza ake pfungwa, unogona kunzwisisa kuti nyasha-kumwedzi.

Kutaura zvazviri, rinomiririra chaiyo nguva apo zvaunoda zvikwereti kurapwa, zvinoti: unogona kushandisa vakakwereta mari pasina mubhadharo kana kubhadhara kwavari panguva discounted pamwero. Huru nezvevakafa pano ari kuva chokwadi zvizere mutsividzo chikwereti pamberi expiry ino nguva.

Zvakanakira concessional anomukweretesa

Zvikwereti vane nguva nyasha zviri nyore chaizvo, somuenzaniso vanenge vane muhoro sokunonoka kana hadzina kufambiswa zvakanaka kuti kwemari. Zvisinei, nzira dzavo pakusarudza uye magadzirirwo vanofanira kungwarira zvikuru nokuti pane mukana kwete kusangana yakagoverwa iwe mazuva nyasha.

Kana zvakakwana kubhadhara kusvikira pakuguma nguva nyasha hakushandi, tichafanira kuparadzana pamwe kufarira kuti achapiwa chichiwanikwa pamusoro uwandu rakumbirwa mari. Panyaya iyi, zvachose mutengo nokukwereta dai unpleasantly kushamiswa unsophisticated anokwereta. Saka unofanira kunyatsotarisa uwandu mubereko rates, uyewo zviri dzemaitirwe ari kumwedzi nyasha, asati kuisa siginicha yake chikwereti chibvumirano.

Zvakakurukurwa dzemaitirwe

Grace nguva nokukwereta kungafanana renewable uye kadhi rokubhengi overdraft. Kuti tinzwisise kuti nyasha-nguva neimwe nyaya iri zvakaoma. Mushure purogiramu yakasiyana chikwereti masangano akasiyana ayo kukarukureta nzira uye uwandu remapazi kuti inoshandawo chokubuda kwayo. Mukuwedzera, kureba kwenguva nyasha haisi zvachose ndee. In mabhanga siyana, izvozvo zvichisiyana 1 kusvika 2 months. Most yaiwanzoshandiswa penguva 50-55 mazuva.

Nuances vanoshandisa makadhi ane nguva nyasha

Nekunhonga ruzivo pamusoro kuti nyasha-nguva, teererai vamwe yayo inokosha zvinhu. Chokutanga, kakawanda chete zvinoshanda asiri mari kwema, akadai mubhadharo kadhi kuburikidza nhumbi kana mabasa zvarakanakira uye basa Enterprises.

Kuva kadhi kumwedzi nenyasha, unogona kutanga kurishandisa pakarepo, asi zvinofanira kurangarirwa kuti wokutanga oparesheni rinoitwa pachishandiswa zvaunoda nguva yayo ukoshi yokutanga. Vanhu vakawanda ichi akanganwa kuti mari withdrawals kubva ATM - zviri zvakare mubhengi kutengeserana, uye haina ipfupi.

Mhando nyasha nguva

Mubvunzo kana kutanga wokutanga nyasha-nguva, ndizvo chaizvo kunzwisisa kunzwisisa. Kuti tipindure mubvunzo uyu zvakafanira kudzidza nzira kuti pakuverenga nguva ichaitika mubereko isina zvikwereti, iyo rinoshandiswa mabhanga. Pasinei ose akasiyana-siyana mapurogiramu chikwereti pakadhi zvigadzirwa, pane 2 mhando huru yenyasha nguva:

• Nokuti mumwe nomumwe vanowanika kutengeserana (chikwereti tranche). It achipfeka kuti mukati munhu chaiyo yenguva (nyasha nguva) mushure kutengeserana pasina mubereko hachiverengerwi. Vachanzi dzaona uye mhosva pamahombekombe chete pashure kuripwa kunoguma chikwereti.
• On akagadzirwa kwema aita kuti nhau nguva. Zvadaro, kushandisa nguva nyasha zvizere ichafanira kubhadhara chikwereti kusvikira zuva chokuguma kuguma kwenguva. Grace kumwedzi kunova shanduka kukosha, kufadza nekuda kwema zvakaitwa pakutanga, uye zvishoma - nokuti ichangoburwa Postings.

Kutaura zvazviri, kadhi rine nguva nyasha chinhu takasununguka zvikuru uye "mazhinji" chigadzirwa zvemari unobvumira zvakarurama nzira kukwereta mari kubva pamahombekombe panguva zvinobetsera zvikuru nheyo. The chete anodiwa zvimiso concessional anomukweretesa iMhedziso_ zvemari kuranga anokwereta. Unofanira kunzwisisa zvakajeka zvose zvaidiwa yasarudzwa sarudzo nokukwereta, nokungwarira chamber mari zvose uye vachengete chinyorwa sei kunyatsochengeta kunyorwa kure, uye zvikanzi kune mari kadhi.