Ndeipi chimbadzo mubhangi?

Vagari vazhinji nokushingaira kushandisa kuminamato mabhanga. Financial masangano anopa zvikwereti, deposits, mubereko kubereka. nyaya iyi inofanira kuswedera vanyatsohuongorora, saka kuti hapana zvimwe matambudziko akasimuka. Kana chikwereti nomumwe yeGmail.END_STRONG anoda kuwana yakaderera chimbadzo, zvino kana kuisa pachake mari yayo - mari yakawanda. Asi bhangi mumwe anoita pachake ezvinhu ayo ebasa. Chii chimbadzo uye sei inofungidzirwa?

tsananguro

Vanhu vakawanda vanofunga kuti kana kubva muzana iri 12%, saka rose akaenzana overpayment 12%. Asi ichi hachisi chokwadi, sezvo chakarurama ichi rinowanikwa kuti gore. Kana, somuenzaniso, chikwereti iri rakapa kwemakore 5 apfuura, kubva muzana rinowanikwa nerimwe gore kushandisa mari. Ari mhosva kubva pachiyero. The zvakawanda chikwereti nguva, kunokonzera overpayment.

With vakanga vanyorwa chibvumirano vanofanira kuteerera ezvinhu. akamurairawo zvemari masangano ose akasiyana chikamu. Somuenzaniso, MFIs nhoroondo ive overpayment nerimwe zuva, uye nemabhangi kazhinji kwegore. Chii kuti chimbadzo pamusoro deposits? Ndiwo uwandu unotiranga, izvo mhosva kuti yeGmail.END_STRONG kwekanguva urongwa mari kubhengi.

Chii rinokanganisa mwero?

The chikamu muzana rinowanikwa pachishandiswa reCentral Bank unodiwa. Somuenzaniso, kana zviri 8%, zvino hapana sangano havagoni vanokweretesa mari kuti anokwereta panguva yakaderera overpayment. Kazhinji mabasa kubhangi vari inopiwa mukuru chikamu.

Pane yakadaro izwi sezvo mitengo. Gore negore pane depreciation mari. Kana mabhanga kuvapa prices dzakaderera, asiri purofiti.

Zvinosanganisira mari mbiri?

Anokwereta vanofanira kuziva kwete chete izvo chimbadzo, asi kuti zvinosanganisira chikwereti. It rinowanikwa pachishandiswa:

• nenhanho kuti mitengo, muRussia zviri vanenge 7% gore;
• kubhangi hazvirevi ngaateme pachake mari yacho ichi chaanenge vanoita: mari inodiwa kwerunyararo deposits, izvo zvinosanganisirwa chikwereti;
• mune zvimwe zviitiko, mabhengi vari mari yaainge nemamwe masangano, uye anokwereta kubhadhara zvazvingava interbank;
• mubhengi Mumwe ane asiri Vanobhadhara, Vanonzvenga rinova mune mari chikwereti;
• Bank zvinokonzerwa kwayo kukura: zvakafanira kuti kubhadhara mari dzevashandi, dzimwe mari, nokuti iyo Ari kubhadhara vatengi.

Zvichienderana izvi kukarukureta mitemo zvinogona kunzi chimbadzo kwakadaro. Izvi muripo mari pamahombekombe zvidikanwi zvayo pachayo uye mubereko.

Low chikwereti chimbadzo

Kazhinji ungawana mabhanga, mubereko prices zvikuru pasi. anokwereta ose anoda kuwana mari, kwete kuti overpay yakawanda. Asi kunyange pamwero duku hariratidzi kuti chikwereti achava husingakoshi.

Kubhangi kuti kushambadzira hwagara akaratidza yakadereresa chimbadzo pagore. mabasa akadaro vatengi mashoma. Chaizvoizvo ari gimmick, asi nhamba chaiyo mukwereti vachaziva mushure Kuramba chikumbiro uye pasi magwaro. The chikamu muzana iri pakutsvaga solvency ari anokwereta, ake chikwereti nhoroondo uye zvimwewo. With kuwedzera mubereko kubhengi chinofukidza ngozi dzacho, formalizing chibvumirano mukwereti.

A zvazvingava duku kunonyatsoratidza. The Bank acharamba zvikomborero dzavo, asi mukwereti ngapaonekwe anotevera mari:

• inishuwarenzi premiums;
• mari kuti kuvhura uye kuramba nhoroondo chikwereti;
• fines uye Zvirango chokunonoka;
• mhosva nokuti mangwanani mutsividzo;
• aibhadhara mashoko pfupi uye mamwe mabasa.

Asati kusaina chibvumirano vanofanira kunyatsoongorora verenga mashoko kuti rine. Zvinokoshawo kuti kudzidza kubva nyanzvi yechikoro chii zvimwe unofanira kubhadhara kubhengi. kubva chaiye mitero chete vane mukana kushandisa yakaderera kufarira for 2016.

kunonyanyisa zvazvingava

Muna rwezvemabhengi zvekutepfenyura mabasa sezvo shoma ndivo uye kunonyanyisa. Izvi tsunga nemutemo ano. The chikwereti haagoni kuva anopfuura 57,3% pa annum. Nokufamba kwenguva, nhamba iyi angachinja.

Izvi ichokwadi kuti rwezvemabhengi masangano uye zvitsva zvokukweretesa nemasangano pariri hadzishandi. Ndokusaka ichangobva ngaamuitire vagari mari pa 500-800% pa annum.

marudzi vachibhejera zvinhu

Kufarira for mabhanga ari kugara, kunyanya nokuda kwezvikwereti nevatengi uye mortgages. Vakatsunga kusaina chibvumirano, ipapo nemhosva iri yakabudisa purogiramu mari kubhadhara. Akatakura payo uye kudzikinurwa.

Asi chikamu muzana ari akayangarara uye chii mushandi vanosungirwa kunyevera nemhosva pamberi kusaina chibvumirano. Izvi zvinoreva kuti munhu akakweretesa anoita chisarudzo kushandura kukura overpayment. Uye mutengi basa kubhadhara akasarudzwa muzana. ezvinhu akadaro yemanyorero anoshanda ari kadhi kuti hazvibatsiri yevagari.

How yokugadza overpayment?

Kugadzwa pamwedzi kubhadhara pakutsvaga hurongwa nokuripira muzvikwereti. Iye pagore negore uye kusiyaniswa. Muchiitiko chokutanga, uwandu vose vakaenzana pamberi kupedza muripo. Uye yechipiri musimboti kunoitika pamwedzi rutapudzo uwandu.

Kuona overpayment panzvimbo imwe neimwe tsika. Kuti aite izvi, pane hurongwa onalayn-Masvomhu, asi Dzinenge mashoko zvichagoverwa kuti mushandi. Zvinofanira kurangarirwa kuti kubva muzana hazvina chokupedzisira mari yacho chikwereti, pemahombekombe zvinosanganisira zvakawanda mari uye makomisheni. Izvi zvinogona pakutsvaga chikwereti chibvumirano. Kufarira rate pamusoro deposits uyewo rinorondedzerwa gwaro iri.

How kukanganisa mubereko rates?

Banks kupa kune vatengi zvose ezvinhu akasiyana, kunyange chirongwa zvikwereti ane. Izvi pakutsvaga chokwadi kuti chisarudzo kupa chikwereti rakundwa pachishandiswa magwaro vakabvuma. Asi yokupedzisira mutengo chikwereti anoenderana zvinhu zvakadai pachiyero mubayiro, kuvapo rubatso, chikwereti nhoroondo mamiriro, zera.

Kuti vawane zvakanaka mashoko vanoda kugadzikana basa dzakakwirira mari, vapfumi basa ruzivo uye kadhi nhoroondo yakanaka. Asi kana, somuenzaniso, anokwereta ane mangwanani mutsividzo yemutoo wezvikwereti, guru ndivo vanogona kuiswa. Chikonzero ichi ndicho kurasikirwa kubhangi kuti purofiti, kana paine prepayment.

Marketing zvazvingava - chii?

Izvi mhando bheji anowanzoitwa kuwanikwa showrooms. Yakanaka 0%, izvo vave zvipikirwa hadzingoshandi kuti overpayment pamusoro kubhengi chikwereti. Marketing kunosanganisira kuwana mwero discounts nokuti nhumbi dziri chitsama mari kubhadhara kubhengi. Chibvumirano bindu nomutengo mumotokari kuchitaurwa pane imwe dhisikaundi, uye zviri pamusoro tichishandisa ichi chichange akaverenga chikamu. Kazhinji 10-12%.

Kana indekisi haana kuenzana 0, ipapo munhu dhisikaundi pamusoro chitsama musiyano pakati Marketing uye rwezvemabhengi prices. The mari munyengeri inobhadhara mubhengi pahwaro chesungano. Somugumisiro, mutengi awana motokari panguva yakaderera mutengo. Chete haana hanya kuti funga mari yako, uyewo kuverenga chibvumirano nokungwarira. Kazhinji, kana kwema yakadai kubva inishuwarenzi, vane vakawanda vanotanga.

Saka, kana kutsvakwa, processing kuti chikwereti anofanira kuziva kukura mubereko, uye mamwe mamiriro ezvinhu. Vamwe mabhanga mari uye makomisheni vakatobatana kuiswawo pakati mwero pagore, uye saka imwe mari havazomutswi inodiwa. Asi sezvo mari mbiri inokosha mukwereti, ekupedzisira sarudzo yaizova zvisingabatsiri kwaari. kana chete mutengi akagutsa ose ezvinhu, anogona kubudisa imwe kondirakiti.