Zvinoita kunyora kure chepamutemo chikwereti chikwereti?

Zvinosuruvarisa, vazhinji vedu tine kana kushandisa kuti chikwereti pane imwe kumbonyanya rakanaka mari havagoni zvakanaka kuongorora nezvaanogona zvavo zvemari. isu kazhinji kukanganwa kuti kunyange zuva kuroorwa kunonoka kunogona kuguma chikuru zvikuru chiri fines uye default mubereko. Maererano iripo uwandu,-zvikamu zviviri kubva muzvitatu uwandu anokwereta mune chikwereti. Saka hazvishamisi kuti vakawanda vavo vanofarira, zvinobvira kuti zviri pamutemo kunyora kure kubhengi chikwereti.

Tingaregererwa vasingarangwi haaripi pamusoro zvikwereti?

Kana anokwereta pamusoro kwenguva yakareba hakuiti kuti zvaida pamwedzi kubhadhara, vamiririri kubhangi vane kuenda nezviyero zvakanyanyisa. Chinhu badzi chavangagona kuita Pakadaro, ndiko kutanga kutanga kutongwa. Mushure dare achatonga pamusoro chikwereti muunganidzwa, chisarudzo runoenzanirana pachaiswa muruoko bailiffs. Kubva zvino, zvichava dzingaidza navo vasina hanya anokwereta. Asi sezvineiwo, masimba avo ngaashaiwe rwakafara. Under mutemo ano, ari bailiffs vane kodzero:

• kuburikidza nehofisi mutero kuziva pamutemo nzvimbo basa iri anokwereta iri pamwedzi hwaro uye ngaaverenge hafu mari yake;
• kusunga nhoroondo chikwereti, kana chipi, uye kubva kwavari kuti vanyore kure uwandu chikwereti;
• kusunga rakapa pamusoro motokari mukwereti wacho.

Pasi pemurairo, mapurisa havana kodzero kutora mufurati, iro ndiro chete pokugara. Kana anokwereta asingadi pamutemo basa kwese uye asina Maakaundi Okubhengi uye zvinokosha pfuma, chinhu bedzi anogona kutora bailiffs, riri pedyo kuenda kunze kwenyika. Mupurisa, kugutsikana netariro pamusoro kupora, anotuma kubhengi gwaro chinosimbisa chokwadi ichi. Pakadaro, kubhangi anofanira kubvumirana wepamutemo Kudzimwa kwechikwereti zvikwereti. Asi musafunga kuti uyu muitiro kwakapararira. Kazhinji, izvi zvinoitika muna apo neapo zviitiko.

Zvikuru chaizvoizvo zvinokonzera startup imwe nzira yakadaro

Kazhinji, mabhengi vachizengurira chaizvo kunyora kure vasiri kuita zvikwereti zviri pamutemo. Kutanga iyi, tinofanira nyaya simba kwazvo. Banks dzinobvumirana akadaro vanoshorwa vachizvichengetera danho chete idzodzo zviitiko apo:

• The chikwereti wakabudiswa pachishandiswa ndokugadzira magwaro. Mumamiriro ezvinhu akadaro, nyaya kubiridzira kutanga kubata Vezvemitemo.
• Tsika zvemari ane rakawanda zvikwereti dzakaipa uye mudonzvo kuona murau zvausingakwanisi.
• Mubhengi vakarasikirwa dare, izvo akarayira kuti aite zviri pamutemo Kudzimwa kwechikwereti chikwereti chikwereti.

Other zvakafanana zvikonzero pakutanga nzira iyi rufu kana kunyangarika mukwereti. Kana mufi vakasiya nhaka raigona kugoverwa pakati mhuri yake, hakuna kubhadhara chikwereti chake, uye kubhengi vachafanira kutanga chepamutemo chikwereti chikwereti kukanzura. The chete inoenda kuti zvisipo anokwereta. Kana mukati imwe nguva Vezvemitemo havagoni kumuwana, vari wakabudiswa mubhengi gwaro achisimbisa Kutsakatika ake.

A mashoko mashoma zvausingakwanisi

Domestic mitemo inopa chakadaro chinhu sezvo mutemo zvausingakwanisi. Kureva, hunobvumira anokwereta kuvimba munhu chepamutemo nechikwereti chikwereti kukanzura. Nokudaro, munguva iyo sangano zvemari ane kodzero murayiro wedare kuunganidza zvikwereti kubva anonyengera anokwereta, makore matatu. Zvisinei, muna muitiro dzokuziva iyi anofanira kufunga dzinoverengeka nuances zvinokosha.

Chekutanga unofanira kunzwisisa kuti pokutangira ndiwo musi wekupedzisira muripo. Mukuwedzera, vamiririri Bank vari kutanga kushanda kunetseka anokwereta pakupera 30-zuva nguva pashure kunonoka. Mwedzi mitatu gare gare, izvi rinobatanidza pamutemo dhipatimendi. Kana mazuva 90, chikwereti haana akaita zvakafanira muripo, kubhangi anofanira pasi kudare. Somugumisiro, pane razero duramazwi pfungwa. Kubvira panguva ino anotanga itsva count kukamurwa.

Chii inotanga nyora-kure?

Vamwe anokwereta zvakakanganisika vanodavira kuti munhu chepamutemo chikwereti chikwereti nyora-kure - zviri nyore muitiro. In tsika, zviri pashure vanoverengeka chaiwo matanho. Usakanganwa kuti kubhangi angatanga kunhonga, uchishandisa mabasa anokosha madhipatimendi, kushandisa uchishanda kunetseka zvinhu. Uyezve, ane kodzero kubvisa mari kutsigisa igwa kutengesa ayo chikwereti muunganidzwa muhofisi.

Zvokuita kana kubhangi vakatengesa chikwereti navateresi?

Asati Kubvuma uncollectible, tsika zvemari kunogona kutora rimwe, nguva ino yokupedzisira kuedza dzinenge kuti chinhu kubva ichi nonoka chikwereti. Munguva ichangopfuura, paiva kutaridza muteresi kuti mahofisi, izvo kuti rwiyo kutenga kutambudzika zvinhu. Zvinogoneka kuti pamahombekombe achasarudza kutengesa chikwereti wenyu mumwe neboka rakadai. Naizvozvo, chikwereti vazvigadzirire musangano itsva vateresi. Kazhinji, vokupedzisira kuedza kutaurirana norugare nzira, pasina kushanda kunyanya kumanikidzwa pamusoro anokwereta. Vanogona kupa kugadzirisa pamusoro kumbonyanya zvakanaka mashoko kana Kanganwiraiwo zvimwe chikwereti. Asi kana anokwereta mune iyi hazvigoni kukanganiswa claimants, saka pane wokupedzisira uye zviri pamutemo nyora kubvisa chikwereti chikwereti.

mhedziso

Kuita kubuda chikwereti, unofanira zvakanaka kuongorora nezvaanogona dzavo. Asati vaienda kubhangi, unofanira kunyatsofunga kuongorora mamiriro ezvinhu uye chaizvoizvo kufunga kuti mari yakawanda haazotsauki kwamuri ashaye mutoro. Vaya vachiri aiva quandary, tinogona akakurudzira kutsvaka rubatsiro kubva gweta anokwanisa ndiani achataura kubva izvi. Kutarisira kuti chikwereti nyora-kure, hatigoni kukanganwa pamusoro pezvingazoitika. Kazhinji, anonyengera anokwereta vakapinda mune dzinonzi dema list, saka kuti chengarava harisi chete nhoroondo yake chikwereti, asi mukurumbira.