Pane nguva muhupenyu apo, kuti uwane chimwe chinhu, senge imba, mota, kana chimwe chinhu chakakosha kwazvo, iko kutenga kunoda garandi inovimbisa mutengesi kuti, chero zvoitika, anozochaja mutengo wezvakanaka. Izvo zvinoisa kumusoro kutengeswa. Uye kune izvo, garandi inokumbirwa. Izvi zvinogona kuve zvemunhu, kana garandi rebhangi.
Sezvinoreva zita rayo, garandi rebhangi nderimwe iro sangano rinovimbisa kubhadhara (kana munhu anofanira kubhadhara asingabhadhari) iri bhanga. Asi, iwe unoda kuziva zvakawanda pamusoro peiyi nhamba? Saka pano isu tinotsanangura izvo bhengi garandi iri, zvido zvayo, maitiro ekuchikumbira uye nemhando dzevimbiso dziripo.
Chii chinonzi garandi yebhangi
Tinogona kutsanangura vimbiso yebhangi se maitiro anoitwa nebhangi panopihwa garandi, mune ino kesi yakapihwa nebhangi, inozopindura kana zvasimbiswa (kureva mutengi) haimanikidzi chisungo kune wechitatu bato. Mune mamwe mazwi, bhangi rinotivimbisa nekuvimbisa kuti, kunyangwe munhu wechitatu asingatore kubva kwatiri, vacharamba vaine "mari" yavo kubhanga.
Ehe, garandi ingozi, kungave kubhangi, kambani kana munhu. Vazhinji vanozvibatanidza nechikwereti, kunyangwe zvichizivikanwa kuti haasi maviri mazwi akafanana (kunyanya sezvo vimbiso yacho isingareve kubhadharwa kwemari nekukasira, asi zvinongoshanda chete kana munhu asingatore chikwereti chaanokwereta).
Kuita kuti zvive nyore kwauri kuti unzwisise, tinokupa iwe muenzaniso. Fungidzira kuti urikuda kutenga imba asi hauna mari inokwana kuzviita. Iwe une sarudzo yekukumbira chikwereti kubhanga, asi zvakare kuti iro bhanga pacharo rinokuvimbisa. Kana iwe ukasarudza iyi yechipiri sarudzo, iyo bhangi inova yako endorsement (bank garandi) kuvimbisa muridzi weimba iyoyo kuti, kana nechimwe chikonzero iwe usingakwanise kubhadhara, bhangi rinozochengeta iyo muripo.
Iye zvino izvi hazviitwe "zvekuda." Kazhinji kazhinji pane chibvumirano chakabatanidzwa ine yakakwira muzana chiyero, zvinova zvinoita sekutsigira kwekubhadhara.
Izvo zvinodiwa kuti uve nebhengi garandi
Sezvatakambotaura, bhengi garandi inofungidzira kuti bhangi rinotora njodzi nekuti rinova garandi kana ukasatevedzera chisungo, kunyanya, chekubhadhara. Naizvozvo, kunyangwe hazvo masangano emabhengi akagadzirirwa kupa rudzi urwu rwevimbiso, nekuti kwavari anobatsira kwazvo, sangana nhevedzano yezvinodiwa kuti vagamuchire.
Kuti uite izvi, chinhu chekutanga chaunofanira kuita ndeche gadzirisa gwaro rebhengi pamberi pe notary. Chii iwe chaunofanirwa kuita? Bhengi rinovimbisa kufukidza mutemo, kana mutemo wekuvharira webhangi anovimbisa muganho (kana paine akati wandei).
Icho chaicho chibvumirano nebhangi rako umo maanobvuma kukuvimbisa iwe uye kushanda sechivimbiso kune wechitatu bato kana ukatyora chikamu chako. Asi hazvingomiri ipapo. Zvakare iro gwaro rinogadzirisa hukama hwauinahwo nemubhadharo, makomisheni avanokukumbira iwe kuve garandi yebhangi, zvido uye mari.
Uyezve, garandi yebhangi inofanirwa kufunga nezve 3 ruzivo: iyo mari yainovimbisa, iyo nguva yevimbiso iyoyo, uye nemamiriro ezvinhu anobhadhariswa muchiitiko chekuti pane kusabhadharwa nemunhu anosungirwa kubhadhara.
Mhando dzebhengi dzinovimbisa
Mukati merudzi rwemabhangi anovimbisa, iwe unogona kuwana maviri marudzi ari anowanzoitika. Izvi ndeizvi:
Mari yebhangi vimbiso
Inoreva kubvumidzwa kune sechinangwa kubhadhara kweimwe huwandu nebhangi. Ehezve, izvi hazvingagone kushanda kusvikira munhu atadza vega muripo. Zvichakadaro, bhangi harifanirwe kubhadhara chero chinhu.
Technical bank garandi
Rudzi urwu rwekusimbisa runoreva mamiriro ezvinhu umo, kana paine kutyora kwekusabhadhara chisungo, bhanga rinoitarisira.
Kuita kuti zvive nyore kwauri kuti unzwisise, tinotaura nezvemamiriro ezvinhu, semuenzaniso, pamberi pesangano revoruzhinji, manejimendi kana kunyangwe munhu wechitatu. Semuenzaniso, zvinogona kunge zvichikonzerwa nekutora chikamu mune nyoro, nyoro, kuitwa kwemabasa, michina, manejimendi zviwanikwa, nezvimwe.
Maitiro ekukumbira kubvumidzwa
Paunenge iwe wafunga kuti nzira chete yekuwana garandi ndeyekuvimbisa kubhengi (nekuti iwe haudi / unogona kushandisa gwaro rako pachako), danho rinotevera raunofanira kuita kuenda kubhangi rako kuti uzive nezve rudzi urwu rwebasa.
Sarudzo yebhangi haizove nekukurumidza, ndiko kuti, kutanga ivo vachakumbira marudzi ese ezvinyorwa kuti vadzidze nyaya yacho, Ongorora njodzi uye uone mabhenefiti avanogona kuwana kana vakava vako vimbiso. Pasina ruzivo irworwo, ivo havangatoteerere nyaya yako, saka zvakakosha kuti iwe uunze zvese kuchengetedza nguva; kusanganisira, kana zvichibvira, mushumo wehupenyu hwebasa, zvikwereti kana uinazvo, zvinhu zvekushandisa, nezvimwe.
Mushure menguva (iyo inogona kuve kubva pamazuva mashoma kusvika kumavhiki mashoma kana kunyangwe mwedzi), iro bhangi rinogona kubvuma kuve garandi yebhangi. Asi panguva imwechete ichaisa mamiriro ayo. Semutemo wenguva dzose, idzi dzinowanzo kuve dhipoziti iri pakati pemwedzi mitatu nemitanhatu yezvaunofanira kubhadhara kune mumwe munhu iyeye muaccount isingagone kubatwa kusvika kuguma kwapera, pamwe nemakomisheni kana mubereko watichava nawo kukumbira kuti bhangi rivimbise.
Kana iwe uchibvuma, kondirakiti inofanirwa kusainwa panotorwa zvese zviri pamusoro. Uye wakagadzirira. Unotova nevimbiso yebhangi.
Musiyano uripo pakati pe guarantor uye guarantor
Tisati tapedzisa, tinoda kunongedzera pfungwa mbiri idzo, panguva ino, iwe ungafunge dzakafanana, apo pachokwadi hadzisi. Tiri kutaura nezve guarantor (kana guarantor) uye iye guarantor. Ivo vaviri vanoedza "kupa mari", asi ivo vakasiyana kwazvo kubva kune mumwe nemumwe.
Kutanga, garandi munhu ane mhosva kune mumwe kana mumwe munhu akasatevedzera muripo. Iyo vimbiso inoita zvakafanana, ndiko kuti, inovimbisa kubhadharwa muchiitiko chekuti munhu anosungirwa asingaite maererano nayo.
Zvino, iyo vimbiso pachayo inosungirwa kuita mubhadharo iwo muchiitiko chekukanganisa nemunhu anofanirwa kudaro, nepo iye anovimbisa asingafanire kutora mubhadharo kudzamara mukuru ane chikwereti amhan'arwa pamberi.
Kune rimwe divi, kunyangwe iwo mazwi maviri angaita senge akafanana, chokwadi ndechekuti ivo vaviri vanoita mune dzakasiyana "marigi". Anovimbisa izwi rekuti mercantile nepo rubatso ruri rwevanhu.