1. Usatora shoko
Paunokwereta kubva kubhangi, zvinokosha kutarisa zvose izvo vashandi vebhangi vanokuudza. Somuenzaniso, iwe unopihwa chikwereti pa 13% pagore, uye gare gare inosvika kuti iyo inobatsira chikwata, iyo iyo, iyo inotora iyo inofunga uye inobhadhara zvose zvinoshandiswa nebhangi kuti zvishandise chikwereti, 25%, kana zvimwe. Iko inoshanda inosanganisira mitemo yakasiyana-siyana iyo bhangi inopomerwa maererano nekuongororwa kwezvikumbiro, kuzarura account, kuchengeta account, inshurensi, kushandiswa kwemari kune imwe nhoroondo. Uye izvi zvose haugoni kunyange kutaura, uye zvino zvichadururira kuzviuru zvemabrasi. Kazhinji idzi nhamba, vateresi vanogona kuona kana paine chisina chibvumirano. Ndicho chikonzero nei zvakakosha kubvunza kuzivisa mberi kwechiyero chekupedzisira kwechikwereti uye kugadzira purogiramu yekubhadhara - bhangi rinofanira kuzviita.
2. Chengetedza njodzi dzakawanda
Paunotora chikwereti chikuru, chakadai sekutenga chikwereti kana mari chete yakachengetedzwa neimba yepamusoro, bhagheni inowanzodikanwa kuti imba iyi ive inshuwarisi. Iwe unoda kuwana kambani yemishuwarenzi iyo inodzivirira huwandu hwehuwandu hwehuwandu hwemhando shomanana. Chikwangwani che inshuwarisi chinoratidza kuti zviitiko zvipi hazvisi inshuwarisi. Verenga iyi ndima zvakanyatsonaka. Iwe unogonawo kufunga nezve inshuwarisi kana wakaderedzwa pabasa, urema nekuda kwechirwere kana njodzi.
3. Uyezai bhaari
Kana iwe wakakumbirwa kuva chivigiro chechikwereti, uye haunzwisisi kuramba, kuverenga zvakanyatsonaka. Mutariri ndiye munhu anoita zvinokodzera kune chikwereti chomumwe munhu. Izvi zvinoreva, kana uyo akwereta asingakwanisi kuzadzisa zvikwereti pasi pemutero, vanowira pasi pamapfudzi e guarantor. Uyu ndiwo mutemo - unyanzvi. 361 ye Civil Code. Iwe unowana sei mutengo we "kusagadzikana kukaramba"?
Ichokwadi, guarantor ane mukana wekudzorera mari yake gare gare. Asi, sezvinoratidzira kuratidza, zvakaoma zvikuru. Munyaya iyi, mutoro wezvikwereti zvisingadzokeri zvichave pamusoro pako, uye iwe uchagoverwa nekurasika kwehutano. Nechepfungwa, apo guarantor aripa chikwereti, anogona kupa mhosva kumunhu anenge asina kukwereta "achiita" uye achitsvaka mubhadharo kubva kwaari nokuda kwezvose zvakarasikirwa zvaakatambura nekuda kwake. Panguva imwe chete nekutaura, iwe unogona kutumira chikumbiro nechinamato kuti usiye mari yevakwereta neimba.
BTW! Kana iyo guarantor pachake iri kutora chikwereti kubva kubhangi, iyo mhinduro yemubhadharo inofanira kuratidza kuti iye ndeyechokwadi. Uye izvi zvinotungamirira kukuti kana uchitarisa chikumbiro, bhangi ichaderedza mari yomunhu nemari yekubhadhara pamwedzi kwechikwereti, iyo yaakatendera.
4. Kurongedza zvinyorwa
Kana iwe uri mune chikwereti, tora dambudziko kuti ugadzire chibvumirano. Mutemo wekutanga we "zvikwereti zvakachengeteka" ndeyekuwanikwa kwemavara akanyorwa zvakakodzera. Izvi zvinoreva kuti iwe unofanira kutarisana nekugadzira zvikwereti nemarikiti. Yeuka kuti unoda kutora zvose zvinyorwa. Iri risiti rinosimbisa chete chokwadi chekuendesa kwemari, uye chibvumirano - kubvumirwa kwevamwe mapato kutumira mari mune chikwereti, pamwe nemashoko ekutengeswa. Semuenzaniso, chibvumirano chinotsanangura kufarira, chiyero chekushandura pazuva rekudzoka, kana iwe uchikweretesa mari yekunze, uye mamwe mavara. Uyewo pano ndiyo data yepasipoti yemunhu ane chikwereti uye anokweretesa.
Chibvumirano chekubhadhara chikwereti chichafanirwa kupiwa nguva isati yasvika, uye kuwanikwa, pane zvinopesana, kunofanira kunyorwa nenguva yekuendeswa kwemari. Inofanira kunge iine ruzivo pamusoro paani anokweretesa uyo, nemashoko api, chikamu chipi uye apo kubhadhara kwechikwereti kunotarisirwa. Zvinyorwa zvose zviri zviviri zvinogona kubudiswa muhurukuro, uye mukwereti anogona kuzviita zvakasununguka. Zvisinei, kuitira kuti tisabvisa zvikanganiso uye kusafungidzira, zvinokosha kuti tishandire rubatsiro rwemitongi. Icho hachisiwo mvumo yekuzivisa magwaro nemunyori wevanyori, asi iwe unofanirwa kuziva kuti mapepa asina kuzivikanwa kumatare ndeyekukakavara kwakanyanya kudarika kusasimbiswa.
Kana ukakwereta, somuenzaniso, kubva kune munhu wega, ezvo unyorewo magwaro maererano neurongwa huri pamusoro apa. Mapepa akaurayiwa akanyatsovimbisa ndeyekuti iwe haugoni kubvunzwa kuti udzorere mari pakutanga kana kuti urege kufarira kufarira. Kana iri kuuya kune chikwereti chebhangi, chinhu chikuru ndechokuona kana pane tsvina yakasvibiswa musimboti yaunopiwa kuti usayine. Somuenzaniso, chinhu chinobvumira bhangi kuti ishandise unilaterally kushandiswa kwemitemo yesungano. Kana ukaverenga chibvumirano uye usingafungi kuti chii, unogona kukumbira bhengi kuti chive chiyeuchidzo chekwereta. Bhizimusi guru rakamanikidza mabhengi ose kuti awane memos akadai, mairi akaiswa pazvikamu, izvo zvinofanira kutarirwa kune mukonesi.
5. Tora zvakawanda sezvaunogona kupa
Uye kunzwisisa kuti iwe unogona kupa chikwereti ichi, unofanira kuverenga kuti chikamu chekupedzisira chichave chei. Usakanganwa kubvunza bhandi mukuru webhangi kuti abudise hurongwa hwekubhadhara pachikwereti. Inoratidza huwandu hwekubhadhara kwemwedzi pamwedzi, zuva raunoda kubhadhara mari, uye mari yose. Kumbira kuti uverenge kuti chii chichabhadhara chikwereti, uye funga kana iwe uchida. Zvinogona kuitika kuti iwe unogona kukwereta chikwereti kwenguva shoma, kana iwe uchakwanisa kugadzirisa zvekare kare (munyaya iyi, kubhadharwa kwepamusoro kuchave kuderera). Dzimwe mabhengi anotora chikwereti chinowedzera kubhadhara kare, mune vamwe - hapana.
6. Usatenga mari shoma
Mari yechikwereti isingabatsiri kune wakwereta ndeye iyo iri nyore kuwana. Kana iwe wakavimbiswa kubhadhara chikwereti kwehafu yeawa, uye kunyange pasina varindi, pamwe chete nemabhuku maviri aripo, ipapo chikwereti chechikwereti pachikwereti chichava chakakwirira kwazvo. Imwe zombio - mupiro wokutanga we 0%. Inowanzowanikwa mumagetsi emagetsi uye zvipfeko zvinodhura zvekunze. Zvinoratidzika kwauri kuti inobatsira zvikuru, asi chaizvoizvo iyo inowanikwa mubereko yezvikwereti iyo inenge yakareba 30-50% pagore. Mubhengi, chikwereti chemari iyi chinogona kutorwa nechinangwa chakanyanya kuderera. Hazvibatsiri kutora zvikwereti zvezvinhu uye mabasa asina kukwira mumutengo: yezororo, kune dzimwe dzimba dzekutenga, nokuda kwekutenga motokari ... Izvo zvinoenda kunopedza pamakadhi emakwereti kana iwe usingagoni kuvhara chikwereti munguva yenguva (kazhinji iri mazuva 30-60). Zvisinei, nekunyoresa kuverenga pamakadhi emakadhi, unogona kuwana.
7. Tarisirai kukakavadzana
Pane imwe nguva mumamiriro ezvinhu akaoma uye kusakwanisa kubhadhara mari yakawanda pamutero, usavanza. Iva nechokwadi chekuudza uyo anokweretesa mukunyorera pamusoro pemamiriro ezvinhu uye kukumbira kubhadharwa kwakasimudzwa. Izvi zvakakosha kana mukweretesi asingasviki newe, asi unoenda kurongedzo. Mutongi achaona kuti iwe wakatendeseka uye wakaedza kugadzirisa dambudziko racho, uye zvichida richamira parutivi rwako. Ipapo iwe unogona kutsvaga kuburikidza nezvikamu zvemudare kana kubhadhara chikwereti chechikwereti. Kana iri mubvunzo wechikwereti pasi pekutora chikwereti, zvinokwanisika kunyora chirevo pamusoro pekugadzirisa chikwereti. Mabhangi anotaurirana nyaya dzakadaro mumwe nomumwe, asi kuedza hakusi kutambudza. Kana ane chikwereti achiedza kuisa purogiramu yekubhadhara chikwereti kune zvikamu pamusoro pekubhadharwa kwezvikwereti zvekugara uye mabasa emunharaunda kana zviitiko zvemotokari. Panguva imwe chete, zvingava zvakanaka kuratidza kuti hausi kuedza kudzivisa kubhadhara chikwereti nenzira iyi - nokuda kweizvi iwe unogona kudzorera pakarepo chikamu chechikwereti.
8. Usaisa njodzi yekupedzisira
Izvo zvisina musoro ndeyekubhadhara bhaari yeimba chete. Kunyanya mumatambudziko, panguva ipi zvayo iwe unogona kugara kunze kwebasa. Mari inogadziriswa nehuwandu huripo hahubatsiri. Chinhu chepakutanga ndeye pawnshop. Iwe unopa mhete yehafu yeavo chaiyo kukosha, uye iwe unotenga kaviri kana kupfuura. Dzimwe nguva kuparadzana nemugwagwa iwe iwe chinhu chakatoipisisa kudarika zvisingambozivikanwi zvikwereti - kurasikirwa kwehutano kunowanzobva pano.
9. Dzivisa zvikwereti
Kana pane matambudziko ane chikwereti chekubhadhara, bhagheni inogona kutumira chikwereti chako kuvatori - vadzidzisi vemari chikwereti. Nebhangi, vateresi vanoshanda pamwe chete kumakomisheni (15-40% eakawana chikwereti), kana nokutenga purogiramu yezvisiri zvekubhadhara kubva kubhangi. Kazhinji kodzero yebhangi kuendesa chikwereti chekwereti kune vechitatu inorayirwa muchibvumirano chechikwereti. Asi kana pasina chidimbu chakadaro muchibvumirano, bhagheni haina kodzero yekuendesa mashoko pamusoro pako kune muunganidzi. Mushure mezvose, bhangi inosungirwa kuchengetedza ruzivo rwakavanzika pamusoro pemutengi wavo, mari yake, kunyanya nezvezvinetso zvekubhadhara chikwereti. Saka verenga chibvumirano zvakanaka musati wasayina.
10. Bvisa kudare
Kakawanda, "kukanda" vatengi kana vateresi vane kodzero dzavo dzinoputsika nebhangi, zvakanyanya hazvidi kuenda kumatare. Vamwe vanogutsikana kuti ruramisiro haigone kuwanika mudare, vamwe vanotya kuparadza ukama, asi vamwe vanoda kuchengetedza pamari. Panguva iyo, mune kukakavadzana kwezvikwereti, dare ndiyo chete nzira yakabudirira uye inobudirira yekugadzirisa dambudziko racho, kunyange kana iwe une mavara akanyatsogadzirwa uye nguva mukati memwedzi 3-5.
BTW! Izvo zvinodhura izvo muchengeti anotora kubhadharwa kwebasa remumiriri anowanikwa kubva kune avo vakarasika.