Mortgages: Chii ichi? Nemimwe mibvunzo inokosha

Chokutanga, ndinoda kutaura mashoko mashomanana pamusoro apo sei uye akaita chikwereti. Chii oparesheni uyu, taiziva kare muRoma yekare uye Greece yekare. Mumazuva iwayo, mashoko akadai dzinonzi post, iyo kwakatangwa kunyika chikwereti pasi chero mutoro. On akasarudzwa mbiru mazita anokwereta uye akakweretesa, uyewo musi iyo chikwereti anofanira kubhadharwa. On nharaunda anozivikanwa nenzira yakadai munhu wakabata chikwereti, zvakanga zvisingaiti kuti chinhu kana kutora kunze.

In pre-echimurenga Russia paivawo mogeji. Chii kutungamirirwa zvemari basa, pane yave kutokanganwa panguva yaitonga Soviet Union. Saka, nhasi vanhu vakawanda, tora mukana uyu basa zvemari, kazhinji abatwa ezvinhu akaoma, nokuti kuti haana dzaona simba raro. MuRussia, pamwe mazera 13-14 kuziva kuti chikwereti (Real Estate), izvo maererano nemirau, avo vasingagoni kubhadhara kure chikwereti, kurasikirwa pfuma yavo, achipa ayo vatengesi, moneylenders kana dzimwe nguva kunyange dzemamongi. Mortgages chete yakafanana ano, akaonekwa ari Russian Empire muna 1881.

Iyo nyika dziri zvakanakisisa dzakabudirira mogeji? Chii kutora chikwereti nokuda kutenga dzimba kwenguva refu kusvikira makore 30 pamwero duku inenge 6% chete annum, vakawanda vokuAmerica vanoziva. Venyika ino kune wokupedzisira zvoupfumi, achida kutora zvikwereti refu kutenga imba. Kunyanya panguva mari vanenge zvuru 1-2 zvamadhora por mativi meter, vazhinji vavo vakabhadharwa vanenge 5 zviuru. Zvamadhora mwedzi. Nhasi, zvikwereti nokuti dzimba muUnited States iri rakapa kwenguva yemakore 15, uye vakawanda nevagari akanaka anamapako vava pokugara nokuda basa Nokurasikirwa uye kushayikwa mikana kubhadhara chikwereti. Mortgages pasina mubhadharo hapana kwakapararira. kureva anogona muridzi pfuma anofanira makagamuchira anenge 10-20% uwandu ari kutorwa mwoyo naye mufurati.

Kuti Russia kutaura pre-dambudziko mitemo mortgages muna America, zvakafanira kuti upfumi haana zvakaipisisa ukapisa murwi. Muchiitiko chino, masangano uye vanhu vari kupedza mari nemabhangi kwenguva refu, izvo zvichaita kuti chikwereti masangano kupa zvikwereti-refu pamwe shoma kufarira prices. Nhasi, zvakawanda kana zvishoma zvikuru mari zano rakadaro chete chikuru mari masangano, sezvinoita "mari Bank".

Change chikwereti kungava kushandisa chikwereti macalculator kuti inopiwa mabhanga. Kuti aite izvi, sarudza currency uye zvikwereti mazwi kuti kuona kwayo mambure mari kuverenga huripo mari kutenga redzimba (kanenge 10%), kuti tione izvo mapurogiramu vari kuti chimwe chikamu kwevanhu (somuenzaniso, vaduku mhuri), uye vamwe.

The Russian upfumi haana yakawirwa nematambudziko zvakakomba mumazuva okupedzisira pose dambudziko, saka zhinji mhuri mortgages dzawanika. Ndechipi chikwereti vaya yaingoda naye? Chekutanga zvose zviri mukana wokurarama muimba pedyo yake, achipa mari kuwana nayo, uye kwete rendi. Nokuti vaya vakatora chikwereti dzimba mutengo kukura uye zvinobudirira kudzima nayo, basa zvemari uku kwaiva mukana kuti mari zvakanaka kutengeswa dzokugara panguva yepamusoro mutengo. Zvisinei, pane boka guru zvakakwana vanhu vakarasikirwa nemabasa avo uye vakanga vasingakwanisi nekungwarira kuchiva pachivara footage. Naizvozvo, pakupera chikwereti zvibvumirano vanofanira kunyatsoongorora kuyera nengozi, kunyanya kana mhuri imwe chete munhu ane zvakakwana dzakakwirira mari, kushandisa iyo zvinofanirwa kudzima chikwereti.