Vashandi vemari vanowanzofanira kubvisa zvikamu zvavo kana mari yezvikwereti kuti vagadzirise matambudziko avo emari. Kana zvinzvimbo zvako mune izvi zvigadzirwa zviri mumamiriro ekuwana mari, zvinogona kumiririra yakanakisa mashandiro e dzosera mari yakasimwa uye zvavanofarira zvinoenderana. Asi dai zvaive zvakapesana, ndiko kuti ivo vari kurasikirwa nemari, dambudziko rakakomba raizogadzirwa iro raizogadziriswa chete kuburikidza ne bank loan inoitirwa kudyara. Kuzadzikisa kudiwa uku, mamwe mabhangi akaita akateedzana ezvikwereti anosangana neaya maitiro.
Kune vanoita mari vasingade kugadzirisa zvinzvimbo mumisika yemari, ivo vanongova nesarudzo yekuda chikwereti chemunhu. Nekudaro, zvichave zvakakodzera kuti uone kana chikumbiro chako chichava chakakosha. Pafariro yavanoshandisa, pakati pe7% ne10%, isu tinofanirwa kuwedzera makomisheni uye zvimwe zvinoshandiswa mukutarisira kwaro izvo zvingabatanidzwe. Kusvika padanho rekumiririra 2% yemari inodiwa. Ino ichave nguva yekutarisa kuti hazvisi here kutengesa zvigaro muzvigadzirwa zvemari. Nekudaro, mamwe masisitimendi emari akagadza yakasarudzika mutsara wechikwereti umo izvi zvinodiwa nevatengi zvinotarisirwa.
Ndiyo imwe tambo yekunyepedzera yemari inoratidzwa mukubvumirana nenzira mbiri. Kune rimwe divi, kuburikidza nezvinonzi zvikwereti zvevanhu ayo anotengeswa pasi pemamiriro ezvinhu nemabhangi uye ayo anoreva chimbadzo pamusoro pe7%. Ivo vakafanana chaizvo nezvikwereti zvevatengi uye musiyano mukuru ndiko kuenda kwemari dzakakweretwa. Kune rimwe divi, iri zano rinosimbiswawo nezvikwereti zvakasarudzika zvinoitirwa vatengi vakanakisa vebato uye vane kondirakiti inoitwa nemamiriro ari nani. Kwete chete nekuda kwechikumbiro chakashandiswa, asiwo nekuda kwezvimwe zvinodiwa izvo zvinodaidzwa mumvumo yazvo.
Zvikwereti zvekudyara: zvinodiwa
Chaizvoizvo zvinodiwa ndizvo uve nemari yakatarwa yekubhadharira kana endorsement. Dzimwe nguva zvinokwanisika kuvawana pasina zvinodiwa, asi chete pamisi yakasarudzika uye mune mashoma mashoma emari. Mubvunzo unenge uri, wezvemari kana bhangi, izvo hazvibvunze tsananguro. Sezvo kana iwe uchipokana kuti ndeyekuisa mari mumusika wemasheya, zvingangoita kuti havazoibvumire. Chero zvazvingaitika, kuve mutengi akanaka wesangano rezvemari kana kuve nemubhadharo kana pension inotongwa kunobatsira zvakanyanya pakubvumirana kwayo. Nekuti hazvishamise kwazvo kuti mutengi nyowani anokwanisa kuwana urwu rudzi rwemari kubva pakutanga. Kana zvirinani ivo vanozoda zvimwe zvakawanda zvinodiwa kuti vawane mari yekudyara yezvavanodyara.
Kubva pane ino mamiriro ese, hongu haigone kukanganwika kuti zvikwereti zvekudyara zvakagadzirwa mu chishandiso chine simba kugadzira mari kana mari inodiwa isingawanikwe yekuita mashandiro. Nekudaro, ichi chigadzirwa chemari chine rakanyatso tsanangudzwa mutengi chimiro kwarinofanira kupa yakakwira simba rekutenga. Mune mamwe mazwi, vashandisi vane muhoro muhombe kwazvo izvo zvinovimbisa kudiwa kwemari sezvazviri, chaizvo, zvakanyanya kukosha.
Hunhu hwechikwereti ichi
Kana chimwe chinhu chikajekesa investor kiredhiti panguva ino, imhaka yekuwedzera kwayo kupfuura kwakanyanya kuchinjika. Kunyangwe, hongu, iyo isingape chinopihwa chakakura kubva kumabhangi masangano ayo anotengesa iyi liquidity tip. Kana zvisiri, pane kudaro, iwo akateedzana ezvishoma zvikumbiro uye, chokwadika, zvakanangana. Kazhinji, yakanangana nevatengi vemabhangi akanakisa sezvo vari ivo vanonyanya kuda rubatsiro rwakakosha rwemari. Vatengesi vashoma havawanzo kutarisana neizvi nerudzi rwechikwereti, nezvisingawanzoitika kunze. Icho chaicho chinofanira kufungidzirwa nechimwe chinangwa.
Kune rimwe divi, zvikwereti zvevashambadzi zvinofamba pasi pechiyero chemari icho chiri pakati pe7% ne10%, zvinoenderana nechipo chinogadzirwa nesangano rega rega rezvemari. Chimwe chehunhu hwayo hunogara mukuti chikamu chakanaka cheaya mamodheru emari hachisanganisi makomisheni kana zvimwe zvinoshandiswa mukutungamira kwavo kana kugadzirisa. Semuenzaniso, izvo zvakatorwa kubva mukudzidza kana kuvhura, pakati pezvimwe zvakajairika panguva ino. Musiyano uyo unounza zvine ruremekedzo kune mamwe akajairika mitsara yechikwereti.
Zvimwe zviratidzo zvekusiyanisa
Kana aya makadhi akakosha achizivikanwa nechimwe chinhu, imhaka yekuti mazwi avo ekubhadhara ari mapfupi pane mamwe ese. Nekuti mukuita, makore matatu kana mashanu anokwana kumisikidza basa. Pasina izvo mune chero bhangi chikumbiro inogadzira nguva yenyasha pakutanga kwekubvumidzwa kwayo kuti ibatsire kudzoka kwayo. Kune rimwe divi, isu tinoonawo kuti mari dzakapihwa dzinoenderana nezvinoiswa nechikamu chebhangi. Nemari yemari inoshambadza pakati pemakumi maviri nemakumi mashanu euros zvingangoita, uye zvinoenderana nezvinodiwa nevanonyorera ivo pachavo.
Iyi kirasi yezvikwereti inogoneswa, kune rumwe rutivi, kune akanakisa vatengi. Izvi zvinoreva mukuita tsika kuti havazi vese vashandisi vari muchinzvimbo chekubvumirana chigadzirwa nehunhu uhu. Hazvina kunyanya kushomeka sezvo kudiwa kwayo kuri kwakatemerwa nemabhangi Kusvika pakuisa kukosha mafirita ekubvumirana kwako. Iko muzviitiko zvakawanda panenge pasina sarudzo kunze kwekupa muhoro une simba kana zvirinani mari yaunogara uchiwana. Pamusoro pekuve uine yakanaka kwazvo bhangi mutengi rekodhi. Ivo chete vanhu ava ndivo vanogona kuumba mitsara iyi yechikwereti uye nemamiriro akataurwa pamusoro.
Zvakanakira kuhaya
Hapana mubvunzo kuti mhando iyi yemari inotakura akateedzana mabhenefiti aunofanirwa kufunga nezvayo kubva zvino zvichienda mberi. Uye pakati pezvi zvinotevera kumira, izvo zvinoratidzwa pasi apa.
- Chichava chisingakundike chishandiso che rutsigiro rwekudyara, kunyanya kana mashandiro asina kukura sezvawaitarisira kubva pakutanga. Kusvika padanho rekuti rinogona kukubatsira kuti ubude mune zvimwe zvekukurumidza.
- Ndiyo mhinduro inoshanda kwazvo ye usabvisa zvinzvimbo mumisika yekutengesa zvinhu pazvinokukanganisa. Iko zvakajairika kwazvo kuita mashandiro akashata nekuda kwekudiwa kwemari yekutarisana nemari yakanyanya kukosha mumhuri yemhuri.
- Aya makadhi anogona kukubatsira iwe kuita nawo kudzivirirwa kukuru pamabasa pamusika wemari pasati paitika chero chiitiko chingamuka muhupfumi hwemba hwevadiki vepakati nepakati. Kupfuura kumwe kufunga kwehunyanzvi uye pamwe kunyangwe kubva kune yakakosha nzvimbo yekutarisa.
- Iwo akanyanya mitsara yemari, kuti chikamu chakanaka chebhengi zvirevo, zvinounzwa pamwe zviri nani mukuhaya. Kunyanya zvine chekuita nemari yemubereko inoshandiswa nemabhangi.
Credits inopihwa nemabhangi
Chikwereti cheCredifondo mutsetse wechikwereti kune vatengi vakabata mari yekudyara inotengeswa naIbercaja. Yakagadzirirwa kupa mari varidzi veizvi zvigadzirwa izvo, nekuda kwemitero zvikonzero kana zvimwe zvinodiwa, vasingade kudzorera mari yavo. Imwe yemipiro yayo yakakosha ndeyekuti inobvumidza kugara mumari, asi yakazara. Iine iyo zvakanakira mutero iyo inoshuma hukuru kunge muridzi weiyo imwechete. Pasi pehuwandu hwe60.000 euros uye nguva yekubhadhara kusvika pamakore masere.
BBVA inopa maakaundi mahombe nezvikwereti zvinoshanduka zvine mazwi epakati pemwedzi mitanhatu uye kusvika pamakore matatu anozivikanwa nekupa a rubatso rubatso rwezvikamu. Kuti utore mukana weakanaka mamiriro emusika wekutengesa. Ivo vanoisa chiyero chemubereko pazasi pe5% uye vanobvisirwa kuvhura uye kwekutanga kudzimisa mari.
Chimwe chiitiko chakasiyana icho chakaratidzwa neBankia kuburikidza neInvestment uye Pension Loan yayo. Iyo inoshanda kune mari mipiro kuzvirongwa zvepenjeni uye kunyangwe kuwana zvakanakisa mutero zvakanakira mipiro yakaitwa. Nekuda kweiyi zano, iwe unokwanisa kuwana mari yemubhadharo yakanangana nekugutsa chinodikanwa chevabati vasingade kuvhara mashandiro avo. Seye kukosha kwakawedzerwa, inofungisisa mukana wekusarudza yakatarwa kana inoshanduka chiyero chemari.
Zvimwe zvinobatsira zvezvikwereti izvi
Ehezve, sezvaungave iwe waona nemiyenzaniso iyi mumakrediti ekudyara, iwo haana kuitirwa chete kutenga nekutengesa kwemasheya pamusika wemasheya. Kana zvisiri, nekusiyana, mamwe mashandiro emari aripowo, senge iwo anotorwa kubva kumari yekudyara uye zvakanyanya kubva kumipiro yezvirongwa zvepenjeni. Mukuyedza kwemasangano ekubhengi kuvhura ichi chigadzirwa chemari kuitira kuti ubate nguva zvimwe zvido zvekudyara nevaponesi.
Chimwe chezvinangwa zvaro zvakakosha ndechekuti iwe unogona kubata ako ekudyara kwenguva yakareba kupfuura kare. Nekuda kwezviitiko zvakawanda zvinogona kugadzirwa muzuva rako zuva nezuva uye izvo zvinogona kutungamira kwauri kutengesa zvinzvimbo chero nguva.