Iyo yazvino chikwereti kupihwa inosanganisira kupa mari nzira dzisina kunyanyisa kukwirira, dzinovezwa nekupihwa kwakasiyana siyana credits. Yakagadziriswa pasi penzira dzakasiyana dzekutengesa maringe nemari yavo, asi chero zvakadaro ivo vanowanikwa kune vese vashandisi vebhangi, kusanganisira iwe. Asi chii chinoitika kana mari yekubhadhara iri kudiwa zvakanyanya uye inoda huwandu hwakanyanya.
Mamiriro acho akachinja zvakanyanya, uye zvirevo zvakapihwa nemabhangi zvakadzorwa muhuwandu hwazvo, zvichideredza zvirongwa. Uye kune izvi zvinowedzerwa kuomarara mumamiriro ekubvumirana. Inogona kunge isisakwanise kupa chero mubhadharo, asi kunyangwe kuvepo kweye guarantor kunokosha, uye iwe ungatofanira kuendesa yakagwinya kwazvo yekutarisa account. Chero nzira, izvo zvinodikanwa zvichave zvichinyanya kudzvinyirira, uye pamwe hauzokwanisi kuzosangana nazvo mune zvakawanda zvezvisungo.
Iwe unogona kuwana yakatarwa mamiriro umo iwe yaunoda yakakwira huwandu kupfuura zvakajairwa. Nezvikonzero zvakasiyana, kuenda kuchimbichimbi chinomuka chero nguva, kana kana uchitarisana nekudiwa kwekutarisana nekushanda kwekukosha kwakati. Zvikwereti zvinopa zviuru zvishanu, zviuru gumi kana kunyange zviuru makumi maviri zveeuro hazvishande kwauri. Iwe uchazoda yakakwira huwandu, pakati pe50.000 uye 100.000 euros. Yako yekutanga yekuita ichave yekuona kuti iyo kubhengi kupihwa kuri kuderedzwa zvakanyanya, kupfuura zvaunogona kutenda pakutanga.
Mari kusvika ku100.000 euros
Iye zvino iwe unongowana chete mashoma akati wandei ezvekurudziro, kwete akawanda kana chako chikumbiro chichigadziriswa pasi peaya maruva ekuda. Izvo zvinokudziridzwa pasi pemvumo iyo ine yakanyanya muganho we100.000 euros. Ichokwadi kuti hauzove nezvakawanda zvekusarudza kubva, asi zvirinani iwe unenge uine mashoma mitsara yechikwereti neaya maitiro.
Chimwe chinhu chinobata pfungwa dzako ndeye kuomesa kwemamiriro. Vachave vakasimba kwazvo, vaine zvidimbu zvinoverengeka zvekuti vagamuchire kunyorera. Icho chichava zvirokwazvo chipingaidzo chikuru mukupa yakanyanya kuwanda mari.
Iri kirasi rezvikwereti zvakakura rinotengeswa pasi pezvakajeka zviripo zvekutengesa. Havasi vese vamhan'ari vanozokwanisa kuzadzisa chinangwa chavo, uye muzviitiko zvakawanda havazove nesarudzo kunze kwekutsvaga dzimwe nzira dzekugadzirisa (nhengo dzemhuri, zvikwereti pakati pevanhu, kufambira mberi kwemubhadharo, nezvimwewo). Kunyangwe zvichinyanya kuitika kuti pakupedzisira ivo havazokwanise kuzadzisa ichi chinodikanwa chinodikanwa. Kunze kwekunge - zveshuwa - uri chikwereti chakasarudzika uye iwe uine yepasuru pasa kune urwu rudzi rwemari.
Iko kusava nechokwadi kwekutanga kwauchachengeta kubva pakutanga ndekwekuti iwe unogona here kuwana izvi zvikwereti. Kune izvo zvaunofanirwa kupa zvinoverengeka zvinodiwa mukushandisa kwako. Nekuda kweizvozvo, iwe unofanirwa kuziva pamberi peizvo iyo bhangi ichakukumbira iwe kuti uite kuitira kuti iwe ugone kuita basa racho. Kana iwe ukasangana navo, makorokoto, nekuti iwe unenge uine mikova yakavhurika kune imwe yeakanyanya kusarudzika masosi emari aripo panguva ino chaiyo.
Chii chingabvunzwe nemabhangi kwauri?
Kutanga iwe unofanirwa kuve pachena izvo mamiriro azvino akanyanya kudhira kupfuura makore mashoma apfuura, mushure mekushaikwa kwehupfumi kwakatanga muna 2008. Hazvishamisi kuti, mabhanga haadi kuti huwandu hwevanotadza kuwanda, uye vanofanirwa kuva nechokwadi chekuti unogona kusangana nemubhadharo wavo. Kwete zvekare hapana zvishoma. Kana iwe ukasasangana nezvinodiwa, iwe unofanirwa kutaura zvakanaka kune chako chibvumirano zvechokwadi.
Pakutanga Ivo vanozoda mubhadharo weimwe kukosha, kazhinji kubva ku2.000 euros. Kana zvichikwanisika kubva pachibvumirano chechigarire kana chisingaperi chebasa Asi haizove iyo yega mamiriro, iwe unofanirwa kupfuudza isina mbiri nhoroondo yekubhengi, uyezve kuti iwe hauna kuverengerwa mune chero runyorwa rwevanotadza (RAI, ASNEF, nezvimwewo).
Kana iwe wakabvumirana zvimwe zvikwereti, kunyangwe kana zviri mune mamwe mabhizinesi, chichavawo chikonzero chekuvapa kwavo. Kuva wekutanga kuti iwe hauna mari idzi. Chimwe chinhu chakakosha mukuita uku chinouya kubva kune zvigadzirwa zvakanyoreswa nesangano, nekuti chinongedzo chakakura chinokubatsira iwe munzira yekupa chikwereti.
Uye pakupedzisira, ivo vanotoda kuvepo kweye guarantor kutsigira kubhanga mashandiro. Kazhinji ichauya kubva kunharaunda yako yepedyo yemhuri, kana zvirinani kubva kune yako yepamoyo shamwari. Sezvo kusainwa kwechibvumirano kuchabata mapato ese ari maviri, nekudaro kungwarira kunofanirwa kutora mumwe wacho. Hazvishamise kuti mari zhinji iri panjodzi, pamwe inosvika zviuru zana zvemamiriyoni.
Ndeapi macredit aunogona kuwana?
Ehe, iwe unenge usiri kuzove nyore zvachose, nekuti zvikumbiro zvebhangi zvichadzikiswa zvakanyanya nemuganhu wepamusoro wakatemerwa. Kutarisana newe mitsara yechikwereti kubva ku60.000 kusvika ku100.000 euros. Uye kuti ivo vanotengeswa pasi pezvimwe zviratidzo zvekuzivikanwa zvakajairika kune vese, zvisingazivikanwe mune chero girazi.
Ivo vanofamba, ehe, neakachinjika chaizvo mazwi ekudzoka, ayo kubva pamwedzi mitanhatu chete kusvika pamakore masere. Kunyangwe paine mukana wekuti zviitwe zviri nyore kubva kumba kuburikidza nemafomati ayo epamhepo, uye iwe unogona kusevha mashoma emabhiri emitengo muzvibereko zvemitero mune yakanyoreswa basa
Chekupedzisira, iyo nguva yakakosha ichauya yekutarisa huwandu hwemari iyo mabhangi achazoshanda kwauri pavanokupa iyo. Iwe unenge uine avhareji yekutenderedza 9% kana 11%, uye kwaunogona kuwedzera makomisheni anogona kuitika aunosanganisa mukwereti. Anonyanya kuzivikanwa ndeaya anoreva kuvhurwa, kudzidza uye muripo wekubhadharwa kwekutanga, izvo zvinomiririra pakati pe0,50% ne2% yemari inodiwa.
Mitsetse yakanakisa yechikwereti
Zvichienderana nehunhu uhwu, iwe unenge uchingoda chete sarudza yakanyanya kukodzera modhi yako yemari zvinodikanwa. Anonyanya kupa, pasina mubvunzo, ndiye iye zvino ari kupihwa naBanco Pichincha. Inopa kusvika ku100.000 euros muchirevo chega chega, nemakwikwi emari yemubhadharo inokwana 7,50%, uye nguva yekubhadhara yakawanda yemakore masere. Nekudaro, iwe uchafanirwa kupa yako yekubhadhara kuti chikumbiro chigamuchirwe. Kana zvisiri, mitero ichakwira zvakanyanya.
Imwezve nzira yaunofanirwa kuti usvike aya akakura ndeye iyo yakagadziriswa neBankinter pasi peChikwereti Chayo Chega. Ipa kusvika ku90.000 euros, nekudzoka kubva kumwedzi mitanhatu. Banco Santander, yechikamu chayo, inoshandawo nemahara ekutengesa aya, nekiredhiti kodhi yakatarwa pamakumi matanhatu ezviuru euros. Uye nenguva yakareba yekubhadhara, iyo inokwira kusvika pamakore masere.
Chekupedzisira, Bankia yaita chimwe chikumbiro chakafanana cheaya akasarudzika kesi, ayo akapfeka chimiro pakuonekwa kweanonzi Super Kiredhiti. Inopa zviyero zvakafanana zvine chekuita nezvakambotaurwa, kunyangwe sechinhu chitsva chinopa iyo yakasarudzika iyo kurongeka kwayo kuri mune chete online fomati. Kupa kukurumidza kukuru kuvhiya,
Hunhu hwezvikwereti izvi
Sezvo idzi dziri dzakawedzera nzira dzemari Ivo vane zvemabhizimusi maficha izvo zvinopesana kubva kune zvimwe zvisinganyanyo kudikanwa zvirevo. Uye kuti iwe unofanirwa kufunga nezve iwe paunogadza chibvumirano chechero cheizvi zvigadzirwa zvebhangi.
Kuedza, nguva dzese, kuwana yakawanda kuchengetedza mukuhaya kwavo kuburikidza neyemakwikwi kwazvo modhi, asi zvakare kubvisa iyo hombe nhamba yemari. Uye izvo zvichanyatso tarisa pamitsara inotevera yezviito zvatinokufumura pazasi.
- Iwe unofanirwa kutsvaga iyo yemari dhizaini iyo inoitwa pasi chinonyanya kukwikwidza chimbadzo, Uye kuti kuburikidza nezvipiwa zvinoratidzwa nemabhangi iwe unogona kwazvo kudzikisa pazasi peiyo 10% barrier kuburikidza nezvimwe zvakataurwa.
- Iwe unenge uine kusimudzira kwakanaka kwazvo kune zvaunofarira, asi zvirokwazvo mukutsinhana nemabhangi akanangana nemubhadharo wako kana mari yaunogara uchiwana. Chichava icho chinonyanya kudikanwa chinodiwa iwe chaunotarisana nacho kutarisana neichi chiitiko chekunyorera, uye mune chero mamiriro ezvinhu pamusoro pevamwe.
- Kuti ubvise imwe mari, iwe unenge usisina sarudzo kunze kwekuzendamira kune izvo zvikwereti izvo kusunungurwa kubva kune chero rudzi rwekutumwa uye mari mukutarisira kwayo. Kwete pasina, iwe uchachengetedza maeuro mazhinji mukushanda, izvo zvinokubatsira iwe kuti uchengetedze account yako yakawanda mvura.
- Nzira yakanakisa yekugadzirisa kune zvaunoda ndeyokusarudza iyo modhi inosanganisira iyo nguva ye yakanyanya kuchinja amortization. Iwe unozokwanisa kuisimbisa iyo nekukurumidza, asi kana iwe usingakwanise kubhadhara yakakwira kwazvo pamwedzi kubhadhara, seimwe nzira unosarudza mazwi akareba.
- Zvichava zvakakosha kuti kuraira iyo iwe yaunoda chaizvo, kana zvimwe kana zvishoma, uye usambofa uri pamusoro pezvaunoda mari. Hazvishamise kuti zvinogona kukonzera kuwedzera kwakanyanya padanho rechikwereti, icho chausingakwanise kufunga.
- Kusiyana nezvimwe zvakataurwa muzvikwereti zvakagadzirwa nemasangano emari, havapi nguva dzenyasha, izvo zvinogona kukubatsira iwe kutarisana neichi chiitiko munzvimbo dziri nani kudzoka kwako, kunyanya pakutanga.
- Zvirokwazvo une chikumbiro icho chiri yakabatana nekondirakiti yezvimwe zvigadzirwa zvebhangi (marongero epenjeni, inishuwarenzi, mari yekudyara, nezvimwewo), senzira yekudzikisa mibairo yemubhadharo inozoshanda kuchikwereti chako. Inogona kutokwira kusvika kumazana maviri ezana muzana pamusoro penzira yekutanga.
- Kushaikwa kwezvikumbiro murudzi urwu rwemari kuchakutadzisa iwe kuwana dhizaini inobatsira kune zvaunofarira, uye nekuvandudza mukushambadzira kwayo. Izvo zvinopihwa zvakagadzirwa nemabhangi vanofamba pasi pezvekutengesa nzira dzakadai.
- Uye pakupedzisira, hazvizokuvadze kugara uchifunga kuti izvo zvinodikanwa zvichanyanya kudzvinyirira, uye pamwe hauzokwanisi kuzviita. Uye semhedzisiro, iwe unofanirwa kusiya - kune yako nhamo - uyu wakasarudzika mutsara wechikwereti.