Kubhadhara chikwereti, zvirinani kudzikisa chikwereti kana huwandu hwezvikamu?

Dzorera zvikwereti nenguva kana chikwereti

Kana a kubhadhara chikwereti, guta rakambopihwa rakadzoserwa Kazhinji, zvikamu zvacho zvinobhadharwa makota matatu, pamwedzi, nezvimwewo, chimwe nechimwe chichafukidza chikamu chechikwereti chakakumbirwa uye mubereko wakagadzirwa.

Paunenge uchida kuenderera nesimba rekubhadhara zvikwereti zvichikonzerwa nezvikumbiro zvekare kumabhangi kana masangano emari, zvakajairika kushamisika nezvenzira inoshanda kwazvo kana zano rekubhadhara.

Muzviitiko izvi, sarudzo dzinofanira kuitwa zvichibva pane ruzivo rwakavimbika uye nekutarisa zviitiko zvakapfuura zvevamwe vashandisi. Pachave nezvakanakira nekuipira; zvayakanakira nezvayakaipira izvo zvinotsigira kana kushora nzira yakati yekuita pasi pemamiriro akapiwa.

Isu tinoongorora uye kusiyanisa mune ino zvinyorwa, zvemukati izvo zvinotibvumidza isu kupindura mubvunzo kuti zvichave zvirinani kudzikisa zvidimbu, kana kuti panzvimbo pacho kudzikisa huwandu hwezvikamu, kuti ubhadhare chikwereti.

Tisati tapindura uye takatarisa pachikamu chino, tichakurukura muchidimbu mamwe mapoinzi ane chekuita nenyaya yekubhadhara chikwereti.

Zvichienderana nezano rakasarudzirwa pachezvake kudzoka uku, kuita amortisation kunogona kuve kusarura kana kukwana; nguva dzose iri tsika yekuburitsa mari munhoroondo dzeavo vanoita mari. Chimbadzo chakagadzirwa chichava chemari shoma, kunyangwe iyo huwandu kana izwi rakadzikiswa, tichifunga kuti mashandiro haana kubviswa nemakomisheni ekutanga ekubhadhara echikwereti.

Kuwedzeredzwa kwechikwereti hakuzoite kuti kuve nekukura pakutanga kwayo. Iwe unofanirwa kumirira mwedzi kana makore kuti uzviite, uye izvi zvinoenderana nemamiriro echibvumirano chakagadziriswa nebhangi.

Chinhu chega chega uye mutsetse wechikwereti unopa mazwi akasiyana, ayo anofanirwa kunge akambodzidziswa  kuitira kuti uone kana zvichikwanisika kutora mukana wekutanga kubhadhara chikwereti chiri kutaurwa.

Mafomu Ekubhadhara mari kuita amortisation yezvikwereti

ChiFrench chibairo Iyo ndeimwe yemafomu akajairika uye akapusa emari iripo, iyo inosanganisira kubhadhara mubhadharo wakafanana munguva dzese. Pachave nequota uye zuva remutengi, kazhinji zuva rimwe chete remwedzi kuti abhadhare. Rudzi irworwo rwekubhadhara rucharamba rwakatarisana, izvo zvinogona kunge zvisingaite mune zvakatarwa zvegore kana mwaka apo solvency yemari iri kuomarara.. Izvo zvinodikanwa kuve nemari yakakwana kuti ugone kusangana nemubhadharo zvinoenderana nemusi wakabvumiranwa muchibvumirano chechikwereti.

Imwe mukana ichave iri kuwedzera kota, nzira iyo inobhadharwa mari inobhadharwa pakutanga, inozokura nekufamba kwenguva. Kubatsira kwaro kwakakosha ndekwekuti iwe unogona kuve neyakareba nguva yekuita kana kuronga inoshanda nzira yekubhadhara.

Kune rimwe divi, chidimbu chinodzikira chinoshandura kuita mubhadharo wakakura pakutanga uye zvishoma padanho rekupedzisira. Iyo inofungidzirwa nevazhinji kunge isiri-yakanaka fomu yekutaurirana, kunyange iri nyore mune mamwe mamiriro.

Sezvo mwedzi inopfuura, fizi inoderedzwa uye zvinokwanisika kubata mari nerusununguko rwakawanda. Zvichakwanisika kuve netafura yekukweretesa mari, zvichirerutsa ruzivo rwehuwandu hwezvikamu zvekuronga kubhadhara. Zvinokurudzirwa kuve nemari yekuchengetedza kuitira kuti usazotadza kuzvipira kwemwedzi yekutanga.

Kubudirira kubhadhara chikwereti

Maitiro ekubhadhara zvikwereti

Kuti ubudirire mune inobhadhara maneuver chikwereti chebhangi pasina kukundikana kana kukundikana muzvikamu zvakabvumiranwa, iye munhu akanyorera chikwereti anofanirwa kuronga mashandisiro ake nemari yaanowana nenzira kwayo, achikwanisa ipapo kuziva margina mashandiro emari aanayo.

Zvinotonyanya kukosha ndizvo izvi danho rekuita kana iwe uine rako bhizinesi. Zvikasadaro, kana iwe uri mushandi akajairika kana unoshanda, iwe unofanirwa kudoma uye kuve nekutonga pamubhadharo wemwedzi wega wega kuti ugone kuvhara mari yebhangi, uye panguva imwecheteyo kugona kubata maakaundi ako wega.

Anoyambirwa nenyanzvi kutanga chiitiko kana kuwedzera bhizinesi riripo paunenge uchinyorera chikwereti. Kana iwe uine imwe nguva uchirovedza imwe mhando yebhizimusi kana chiitiko, zvinokwanisika kuti iwe uve nedata iro rinokwanisa kudzora tarisiro chaiyo pamusoro pemabhenefiti emwedzi anowanikwa, zvikasadaro uchafanirwa kushanda nekusava nechokwadi kwakawanda.

Kana, mushure mekukumbira chikwereti, mabhenefiti emwedzi wega wega anowanikwa achikwanisa kuvhara zvikamu zvakabvumiranwa zviri nyore, uye tarisiro yekuwedzera mabhenefiti nemari yekudyara yakavimbiswa nepfungwa yakanaka yekugona, inogona kutariswa seyakakodzera mari yekufambisa.

Kubhadhara chikwereti kudzikisira zvikamu nezvikamu zvematemu

Mushure mekuwana chikwereti uye mushure menguva yakati kuti yapfuura, mamiriro ehupfumi emunhu akanyorera chikwereti anogona kuchinja kana kusimudzira mukuvamiririra nekuda kwezvikonzero zvakasiyana, zvingave zvekunyepedzera kana zvinotarisirwa. Muzviitiko zvakawanda chinzvimbo chine musoro chingangove chekudzorera zvese kana chikamu chemari yakumbirwa. Kazhinji, zvido zvinoshandiswa kubva kubhangi zvichadzikiswa, ichi chiri chimwe chezvikonzero zvekutanga zvekuvandudza amortization.

Mubvunzo unoiswa. Zviri nyore here kudzikisa muripo wemwedzi kana kubhadhara zvakaenzana sepakutanga asi munguva pfupi?

Tichifunga nezve aya maviri ekupedzisira misiyano uye zvinoenderana nechinodiwa icho chaive nacho panguva yakapihwa, uyezve tichifunga nezve capital kuti iitwe amort, inofanirwa kuyerwa kuti ndeipi yesarudzo mbiri iyo munhu anofarira kuti azviwanire.

Usati wasarudza zano rekubhadhara chikwereti, zvakafanira kuti uzive uye udzidze mamiriro echibvumirano. Izvi zvinogona kuve nechirango kana danho rekudzikisa mari ratorwa, rakatumidzwa komisheni yekumisikidza kwekutanga. Izvo hazvigone kupfuudzwa kubva pane yakatarwa muzana. Kwenguva pfupi yekugara iyi muzana inowanzo kuderedzwa.

Saka zvakakosha kuti uzviongorore wega kuti chengetedzo iri sei nekuregererwa kwekutanga, chiitiko ichi chine chekuita nekubhadhara kuri kuita komisheni yekuvandudza mari. Kana iri mutsauko mudiki kwazvo, zvinogona kugumiswa kuti hazvina kukodzera kuita amortization nenzira iyi pane kiredhiti tambo.

Chinangwa chichagara chiri chekuti rudzi urwu rwemakomisheni haruna kuverengerwa, kuyedza kuti kufamba kwebhangi kunoguma nekuita purofiti pamwe nekuchengetedza kukuru. Zvinonyatso kuzivikanwa kuziva kuti ikozvino kubhangi kupihwa inobvumidza makiredhiti kusasanganisira komisheni yekubhadhara kwekutanga.

Izvo zvinokwanisika kuverenga kuti iyo term kana iyo yekubhadhara chikwereti chechikwereti chinozosiyana kana pachine kubhadharisa kupihwa kunoitwa, uchishandisa chikamu chidiki chekubhadhara chikwereti simulators, iyo inoita iyo yekudzokororazve kwetemu kana chikwereti.

Amortization yezvikwereti nekuderera kwechikamu

Dzorera zvikwereti

Rudzi urwu rwekusimudzira runoitwa kana mari shoma ichibhadharwa mwedzi wega wega pachikwereti chakawanikwa, asi ichichengetedza nguva yakafanana neyekubvumirana. Iyi sarudzo inoonekwa senge inofadza kana chinangwa chiri chekuzorodzwa pamwedzi pamubhadharo wechikwereti.

Ngatitarisei nyaya yekuti munhu akapihwa chikwereti chemamiriyoni zviuru gumi pamakore mashanu, uko mubereko unenge uri pa10.000%. Kana munhu iyeye achifunga kuti mamiriro avo ezvemari ane mukana wakakura wekudzikiswa kweiyo kota, zano rine kugara kwakadaro kungachengetedzwa, kunyangwe achiverengera huwandu hwemwedzi. Nenzira iyi, mubhadharo wemwedzi nemwedzi uyo uchafanirwa kubhadharwa unenge uchidonha kubva ku € 5 kusvika ku € 10. Kana chikwereti chapera, huwandu hwese hwe € 212.47 hunodzoserwa. Nenzira inoshanda, mubereko uchaderedzwa ne € 191.22.

Chikwereti amortization ichideredza iyo term uye kuchengetedza chikamu

Mumamiriro ezvinhu akadaro, chikamu chakafanana chaizochengetwa, asi mwedzi yekuita mashandiro emari ichadzikiswa.. Ngatifunge kuti iwe unosarudza kuchengeta mubhadharo we € 212.47, nenzira iyi unenge uchibhadhara kwenguva yakati yemwedzi makumi mashanu nemashanu; panzvimbo pemwedzi yekutanga makumi matanhatu yaifanirwa kuitwa. Nekudaro, chisungo chechikwereti chinozopedzisira chave € 53.

Mumuenzaniso wekongiri wakadai, kuderedzwa kwemubhadharo kunoonekwa sechinhu chakanakisa mukuona kwekubhadhara mari shoma.

Zvinokurudzirwa kukumbira iyo yakazara amortization tafura kubva kune yemari institution iri mubvunzo iri kushandiswa, uye kuitisa simulations, kuziva nekuwedzera kufungidzira uye chokwadi kana mune imwe nhambo zvingave zvichibatsira kuwedzera mari pamberi kana muchikamu.  

Term Vs. Quota Ndeipi yekusarudza?

Kana chinangwa chiri chekuchengetedza kusvika pakukwirisa pane zviripo zviripo, chinonyanya kubatsira ndechekuenderera pamwe nekuderedzwa kwematemu. Mumamiriro ezvinhu akadaro, kufarira kunozogadzirwa munguva ipfupi.

Kune avo vanotarisana nemamiriro ezvinhu kana zviitiko apo kufungidzira kuti pamwedzi muripo unowanzo kuve wakaomarara, kudzikisira iyi ndiyo yakanyatsoenderana modhi yekuita.. Kana iyo chikwereti yaine kufarira kwakasiyana, uye isu tine zvinoratidza kuti ingangowedzera, iri sarudzo inoratidzira yekuratidzira mukuderera kweiyo quota uchichengetedza iyo term. Izvi zvinodzivirira kuti muripo usanyanya kudhura.

Kuderedza nguva ichave iyo nzira yekuchengetedza imwe mari, nekuti nguva kazhinji ndicho chinhu chinokonzeresa kuti kufarira kuwedzere.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako

  1.   Sofia akadaro

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