Kana tichitenga imba, chimwe chinhu chatinofanira kuziva tisati tapinda mairi ndicho mhando dzakasiyana dzezvikwereti izvo musika unotipa uye nemabatiro atinofanira kuvakumbira mumabhangi. Izvo zvakakosha kuti iwe uzive, usati wairaira, ndeapi maitiro ezvigadzirwa izvi, pamwe neiyo zvakanakira nekuipira kwerudzi urwu rwezvikwereti.
Iwe unofanirwa kuziva kuti imwe ye zvinhu zvakakosha kupfuura zvese zvaungaita muhupenyu hwako hwese, ndeyekusaina for mogeji uye iwe unofanirwa kuziva zvese zvine chekuita navo. Kunze kwekunge iwe unofanirwa kuedza kuve ziviswa zvirinani kupfuura iwe zvaunogona nezve mitengo uye kuongororwa kuitira kuti usave nedambudziko remangwana.
Tichifunga nezve kuomarara kwazvakaita uye kuwanda kwezvinhu izvo zvinofanirwa kutariswa mune mogeji, taida kukudzidzisa iwe kuti uzive zvese zvaunofanirwa kuziva nezvazvo. hunhu hweimwe neimwe mogeji, pamwe nezvipo zvinopihwa nemabhangi.
Ndeapi mamogeji aripo zvinoenderana nezvavanoda
Fixed-term zvikwereti
Izvozvo mhando yezvikwereti ndiyo inonyanya kufarirwa chigadzirwa mumusika uyu uye zvinogona kunge zviri zvekutanga kupihwa kuitira kuti chikamu chako chemubereko chisashanduke pamusoro pemakore; Izvi zvinoreva kuti iyo yakaenzana mari inofanira kubhadharwa chero bedzi isu tiine mogeji. Sezvo iine zvivakwa zvakawanda, iri mhando yegeji iyo vanhu vazhinji uye vakawanda varikuita gore rega rega. Aya marudzi ezvikwereti zvemubhadharo zvakagadziriswa zvakare akapfupika nekufamba kwenguva, nekuti iwo anongofanirwa kubhadharwa makore angangoita makumi maviri, kusiyana neyakajairwa mari yezvikwereti inogona kushanda kusvika makumi mana.
Chinosiyana chiyero chemoji
Iko kusiyanisa rate regeji ndeimwe yeanonyanya kuzivikanwa mamogeji. Mune ino kesi, zvikamu izvo zvinofanirwa kubhadharwa pamwedzi zvinosiyana zvichibva pane regeji rezita. MuSpain, iyo inotakura huremu hwakawanda uye nemabhangi mazhinji anotungamirwa ndiyo Euribor.
Kana isu tikatarisa pane ezvikwereti zvemumba munyika ino, mamogeji mazhinji anoenderana nerudzi urwu rweanoshanduka mogeji, uchingova 7% chete yakatarwa mubereko.
Yakavhenganiswa-chiyero mamogeji
Mune yakasanganiswa-reti mogeji, zvese zviyero zvemitero zvinofanirwa kuzivikanwa, nekuti ese ari maviri akasanganiswa nemumwe. Mune ino kesi, iyo yakatarwa uye inoshanduka chiyero chemari zvinoita kuti chikwereti chemogeji chisiyane zvichienderana nereferensi yeEuribor kana kuburikidza nechimbadzo chakamisikidzwa chaunogona kubvumirana nacho kubhangi rauchazotora mogeji.
Iyo dzakasiyana mogeji zvinoenderana nerudzi rwechikwereti chavanopa
Kuwedzera kune chimbadzo, kana zvasvika kune Tora mogeji nebhangi rako raunovimba, iwe unofanirwa kuziva zvikwereti nemhando yechikamu. Idzi ndidzo dzimba huru dzechikwereti zvinoenderana nerudzi rwechikamu chinofanirwa kuzivikanwa. Iwe unofanirwa kufunga kumberi kana uchisarudza iyo inonyatsokodzera iwe, pamusoro pekuyedza yako yazvino mamiriro. Kana iwe usina chokwadi kuti chii icho mhando yekubhadhara chikwereti iyo iwe yaunofanirwa kutora, iwe unogona kubata yako yakavimbika bhangi iyo ichazokwanisa kukurudzira iyo yakanakisa sarudzo.
Mogeji mhando uye zvakanakira yega yega
Yakagadziriswa chikwereti chikwereti
Imwe yeanonyanya kudiwa mogeji nevanhu avo Ivo vanotsvaga kuti vatore chikwereti chemogeji chakatemwa-chiverengero mogeji Mune urwu rudzi rwechikwereti, mari yemwedzi nemwedzi inoenderana nechikamu chekufarira uye chimwe chikamu chekukumbira kufarira. Paunotanga kubhadhara rudzi urwu rwechikwereti, zvido zvacho zvakakwirira kwazvo, zvisinei nekufamba kwenguva, mari yemwedzi yemwedzi inofanira kubhadharwa inoenda pasi, zvichibva pakudzikamisa kwemukuru wechikoro.
Mushure memakore mazhinji, mamiriro acho akadzoserwa zvachose uye vanhu vanopedzisira vabhadhara shomashoma, pamusoro pekuve uine yakawanda yeiyo mogeji yatobhadharwa.
Mamogeji ane zvombo zvehondo
Izvi Dzine zvombo zvekukweretesa mari ndeimwe mhando yegeji mune yakanyanya kudiwa asi zvishoma zvakaoma kuwana. Mune urwu rudzi rwechikamu, zvinofanirwa kutarisirwa kuti huwandu hwakaenzana hwekufarira huchagara huchibhadharwa, zvisinei nezvinoitika pamwe nekufarira kwekunze kana shanduko muhupfumi. Nekudaro, ine chikamu chisina kunaka uye ndizvo zvinoenderana neshanduko yekufarira kwekunze, huwandu hwemari dzinofanirwa kubhadharwa kana dzikachinja.
Mamogeji ane chikamu chekupedzisira
Kune rimwe divi, mogeji dzine chikamu chekupedzisira dziri mogeji mune chikamu chemari chinokumbirwa kubhadhara muchikamu chekupedzisira chechikwereti chinosara. Iyi mari inopihwa zvichibva pa30%. Idzi mhando dzezvikwereti hazvinyanyo kufarirwa, nekuti mubhadharo mukuru wekupedzisira unodiwa muchikamu chekupedzisira kuti, kana tisina mari iyoyo, inogona kukonzera matambudziko ehutsotsi kana kuti unogona kutorasikirwa neimba kana usina mari yacho. yakasimbiswa.
Kuwedzera chikwereti chekwereti
In the kuwedzera chikwereti chemogejiInofanirwa kutariswa kuti iyo chikamu chinokura sezvo makore achifamba uye zvakare ichiwedzera sezvo chimbadzo chichichinja. Ndirwo rudzi rwechikwereti chemogeji chinodzivirirwa nevanhu nekuti hachina mabhenefiti mazhinji, asi chine mari zhinji.
Kufarira-chete zvikwereti
Este mhando yezvikwereti hazvizivikanwe mukati meSpain kunyangwe kana zvichiitwa nevanhu vanobva kune dzimwe nyika kune izvi. Pano, mwedzi wega wega inongobhadharwa chete uye hapana chinodzikiswa kubva pahuwandu hwakazara weimba; zvisinei, kana mwedzi woga woga wapera, mari yemubhadharo izere inofanira kubhadharwa kana kuti unogona kusarudza kutengesa imba kuti ubhadhare chikwereti icho.
Mamogeji akasiyana maererano nerudzi rwezvivakwa uye zvakaenzanisirwa mogeji
Kune zvakare zvakaenzanisirwa mogeji yemhando yega yega yemunhu kana mamogeji pane erudzi rweimba. Aya marudzi emamogeji anofarirwa kwazvo nevanhu vakatomboedza kutora mogeji asi zvakaramba.
Mamogeji anoenderana nerudzi rwepfuma iwe yaunoda kutenga. Aya marudzi emamogeji anoshandiswa kutenga pasi pebhangi kana epamutemo yekuchengetedza pasi inonziwo VPO. Rudzi rwezvikwereti zvinoshandiswawo pakutenga kwezvinhu zvemumaguta kana zvinhu zvechienzi. Iwo anoshandiswa kunyanya mune zviitiko zvechikwereti kutenga ivhu kana kuti uwane imba yekutanga kana pasina mikana yakawanda. Mune zvimwe zviitiko, ivo vanogona zvakare kushandiswa kubhadhara imba yechipiri.
Mhando dzechikwereti
Mune ino yekupedzisira kesi uye patakave tiine bhangi kwenguva yakareba, tinogona kubvunza mhando yeakaenzanirana mogeji kuitira kuti tiwane imba yezviroto zvedu. Mhando idzi dzezvikwereti dzinopihwa zvichibva pahunhu hwemunhu ari kuchikumbira uye kunoedzwa kuti mari yemwedzi nemwedzi ndiyo iyo iyo iyo mutengi yaanogona kubhadhara kwete iyo inotaurwa nebhengi.
Ndicho mhando yegeji inonyanya kudiwa nevechidiki Kuti ugone kuwana anonyanya kubatsira makota mumusika uye kugona kutarisana nezvikwereti kunyangwe muhoro uri pasi.
Mune urwu rudzi rwezvikwereti, iwe unogona zvakare tora mogeji kune vasiri-vagari kuitira kuti vakwanise kusarudza imba pasina mamiriro ezvinhu ari kunyanya kudzvinyirira.
Usati watenga imba
Izvozvi zvaunenge uchiziva kuti ndeupi rudzi rwechikwereti wakanakira iwe, iwe unofanirwa zvakare kuziva zvimwe zvinhu usati waikumbira.
- Iva nemari yekuchengetedza. Kunyangwe mabhanga achiwanzopa zana muzana rezvikwereti, maitiro anogadzirwa haapihwe mari nemabhangi aya uye anofanirwa kutariswa kuitira kuti asarasikirwe nemari gare gare.
- Tinofanira kuziva mutengo chaiwo weimba yatinozotenga. Izvo zvakakosha kuti iwe uzive zvese zvine chekuita nemitengo munzvimbo yaunoda kutenga, pamwe neye notary fizi uye zvimwe zvekuwedzera, kuti uve neruzivo rwehuwandu hwehuwandu hwaunofanira kukumbira mune yako mogeji kana kuziva kana mutengo wacho wakanyanya kukwirira.kure pane zvaunogona kubhadhara chaizvo. Kuti uzive izvi zana muzana zvaunofanirwa kuita kuongorora mhando yevhu uye kukosha kwedzimwe dzimba munzvimbo iyi.
- Chekupedzisira uye kuti tiwane imba padhuze nepazvinogona pakurota kwedu, isu tinofanirwa une nhoroondo yakachena yechikwereti, kunzvenga zvisizvo. Uye zvakare, zvinosungirwa kuti uve nemari yemari yemwedzi nemwedzi zvinoenderana nezvikamu zvinofanirwa kubhadharwa mwedzi nemwedzi zvichazovakwa.