Chikwereti chemutengi Ziva maitiro ayo!

El Mutengi chikwereti Icho chimiro chechikwereti chezviitiko zvikuru mukati memusika wepasi rose. Ngatitarisei muchidimbu nhoroondo yayo, maitiro uye njodzi pamwe chete.

Chikwereti chemutengi: flexible loan mukana

El Mutengi chikwereti Yave iri nzira yechikwereti ine mukurumbira munhoroondo yese. Munguva dzazvino dzatiri kurarama madziri, kwave nechirimo chakatokura zvikuru munguva dzekuti kuchinjika kukuru kunodiwa pazvisungo zvedu zvepamutemo nezvezvemari, zvichipihwa simba rakanyanyisa remabasa edu uye nekusagadzikana kwemari yedu munguva yekupedzisira. makore maviri. Rudzi urwu rwechikwereti runonyanya kuchinjirwa kunharaunda isina kugadzikana umo mhindu chaiyo inotsvakwa pasina shuviro huru.

Chii chaizvo chinonzi a Mutengi chikwereti?

Rudzi urwu rwekiredhiti runogona kutsanangurwa sechikwereti chemunhu uye chishoma nechinangwa chekuwana chakanaka chakanaka kana sevhisi yakati. Panguva ino iwe unogona kutoona mutsauko wakakosha maererano nerumwe rudzi rwekiredhiti, ine zvinangwa zvakakura kana zvisina kutsanangurwa: chikwereti chemutengi chinobva pakutorwa kwechinhu.

Mota, desktop kana laptop komputa uye mudziyo unogona kuwira mukati mechikamu ichi chezvinhu zvinotengwa kuburikidza nechikwereti chemutengi.

Kunyange zvazvo tichitaura zvinhu zvemazuva ano mukuratidzira kwedu, the Mutengi chikwereti ndiye mumwe wevakuru vezvehupfumi munhoroondo yeEurope. Kushandiswa kwayo kunotangira pakati pezana ramakore regumi neshanu, apo dzidziso yechitendero cheFrancisca yakafunga kubata nechero yenyika yezvido zvakakwirira nehurongwa hwayo hwezvikwereti nemapawn.

Iro zita rakazopedzisira rapihwa kuhurongwa uhu nekuda kwekwakabva kunozvipira raive Monte de Piedad, zita richiri kushandiswa muchikamu chikuru chenzvimbo dzeHispanic. Makanga muri muSpain, chaizvoizvo, uko nhamba yacho yakave netapuro huru, pashure pokuoneka kwayo kwokutanga mumataundi eItaly.

Varimi, vashandi uye mapoka akawanda evashandi veboka rakazvininipisa vakabatsirwa neiyi inonzi Monte de Piedad, yakabvumirwa pamutemo naPope Leo X muzana remakore rakatevera. Zvinhu zvakakosha zvemuenzaniso zvakanga zvatovepo pano: zvikwereti zviduku zvezvinangwa zviduku mukati meboka rekushanda.

Izvi zvinoumba imwezve gakava rekuona Middle Ages sechiitiko chinobatika chemazuvano ekutanga kwete sechikamu chakareba chekusaziva, sezvatakajaira kuzviona. Mayunivhesiti, nyika uye zvimiro zvehupfumi zvekutanga zvinobva kune yakazara medieval nheyo.

Pakaonekwa muzana ramakore reXNUMX yeboka repakati rine huwandu hwekushandisa kwakabatana nekupinda kwemotokari mumusika, chikwereti ichi chakanyanya kuwanda, kwete chete nechikamu chekubhadhara kwayo, asiwo nekuwedzera chinhu chingave chiripo. mune ramangwana nguva: kupihwa kwechikwereti zvakananga nekambani inopa chigadzirwa kana sevhisi.

Zvino, iyi fomati haina kumira kuchinjika mune zvimwe zvinhu, ichiwedzera maficha ekukwezva asiwo nenjodzi. Ngationgororei zvimwe zveizvi kuti tipedze kutsanangura kwedu.

Kana iwe uine kufarira kwakakosha mumhando dzechikwereti chaunoda kuwedzera neruzivo rwakawanda, zvingave zvakakosha kwauri kuti ushanyirewo chimwe chinyorwa ichi pawebhusaiti yedu yakatsaurirwa kutsanangura izvo kutsiva chikwereti. Tevedza chinongedzo!

Hunhu uye njodzi dzemutengi chikwereti

Iye zvino tichaongorora zvakadzama maitiro eiyo Mutengi chikwereti zvine chekuita nesu Iwe unofanirwa kuve wakajeka nezve izvi zvese zvinokatyamadza kuti utarisire njodzi dzinogona kuitika dzinogona kutaurwa nekushandisa kwavo.

Zviratidzo

Tinogona kupfupisa maitiro seanotevera:

1. Chekutanga, isu tine zvambotaurwa pamusoro pechinangwa chechikwereti, kusiyana nezvimwe zvisingaite maererano nezvichazotsvakwa nemutengi kuti awane. Iyo bhenefiti inogara iri maererano nezvakaratidzwa zvigadzirwa kana masevhisi, kubva kumidziyo yemumba senge midziyo nefenicha kumakomputa nemotokari. Chikwereti chakanangana nekuwana zvinhu izvi.
2. Kunyangwe paine huwandu hushoma hunodiwa kupa chikwereti, kazhinji mutengo wakaderera, mukusiyana nemamwe marudzi ezvikwereti. Ndihwo humwe hunhu hunoburitsa kukwezva kwakakurumbira pamusoro pezvikwereti izvi.
3. Zvakare nemusiyano wakawanda maererano nechikwereti chebhangi chakajairwa, chikwereti chemutengi ichi chinowanzo kupihwa nekambani pachayo inopa chigadzirwa kana sevhisi inotsvakwa kuti ibatanidzwe muhupenyu hwedu. Mabhengi masangano anowanzo tora chikamu mukutengeserana sevarevereri, vachipa sisitimu yekugadzirisa kubhadhara. Asi bvunzo yekugoneka kwechikwereti inowanzoitwa nekambani pachayo, pamwe nerumwe rubatsiro rwebhangi, asi pasina yakasarudzika manejimendi nayo.
4. Kugadziriswa kweaya makiredhiti kuri kukurumidza, kupihwa kutanga kwekutanga kwechinangwa chinofanirwa kuzadzikiswa uye hukama hwepedyo pakati pemutengi nekambani. Izvi zvinosiyana zvakanyanya kubva kune zvikwereti zvemba kana zvikwereti zvehuwandu hwakawanda uye hukuru husingagumi, izvo zvinowanzodzorwa nezvakawanda zvinodiwa uye mazwi akareba.
5. Zvido zvinowanzokwirisa zvichienzaniswa nezvimwe zvikwereti zvemunhu. Ichi ndicho chimwe chinhu chinodiwa Mutengi chikwereti yave yakaparadzaniswa negamuchidzanwa rayo renhoroondo yemamongi. Kubva pakushandiswa kwemazuva ano kwechikwereti, zvido zvakatanga kukwira zvakanyanya sezvakaita mubhadharo wekare.
6. Tichifunga nezvezviri pamusoro apa, pane mutemo wakangwarira wekuchengetedza mubatsiri kubva kune angangoita hutsinye muzvikwereti izvi. Kunyanya, mutemo unogona kucherechedzwa unoda kuti mutengi azive zvizere nezve inonzi APR (Annual Equivalent Rate) pamwe chete neNominal Interest Rate (TIN). Vose vari vaviri vachakwanisa kupa mushandi mashoko chaiwo okuti aite zvisarudzo zvake maererano nechikwereti uye kukwanisa kuronga mari yake zvakanaka kana akasarudza kuigamuchira.
7. Ruzivo rwuri pamusoro rwakakosha nekuti chikamu chekubhadhara cherudzi urwu rwechikwereti chinosanganisira chikamu chikuru chemidziyo yemutengi, zvese zviri pari zvino uye izvo zvinogona kuwanikwa mune ramangwana, pasina vimbiso chaiyo. Zvino zvakakosha kuti tinyatso kutsanangura kuti mabasa edu ekudzima nguva nenguva achave api kuti tidzivise zvikwereti zvakakura.

Ngozi

Njodzi dzerudzi urwu rwechikwereti dzinogona kutaurwa zvakanaka kubva pane zvataurwa pamusoro apa maererano nehunhu hwayo. Asi inogona kupfupikiswa zvakanaka sezvinotevera:

1. Zvibvumirano zvemuromo pasina kugadzirisa mukusunga zvinyorwa. Izvi zvinogona kuve dambudziko rechokwadi kana zvichidikanwa kurwisa kumwe kukanganisa mukugamuchira mubhadharo kana kugoverwa kwemhindu yakawandisa. Kutarisa kuti chii chaizvo chaive dhiri isu tiine mweya chete hazvigoneke. Ita shuwa kuti une zvese zviri pabepa, zvakasainwa uye zvinosunga muzvisikwa, kudzivirira kuvhiringidzika kana kukanganisa.
2. Kusaziva zvizere mamiriro ekubhadhara maererano nekuunganidza mubereko. Sezvambotaurwa, zvakakosha kuti tive nenhamba dzemitengo yegore negore uye mareti emubereko zvakajeka muruoko, kuti tiverenge nemazvo kuti imarii yatinofanira kubhadhara uye nemazuva api. Izvo zvinodikanwa kuve wakangwara mukuongororwa kwehuwandu, kudzivirira kuti chikwereti chakabatana nechigadzirwa chiri nyore chinoguma chave mharadzano yemakore nekuda kwekuverenga kwakashata uye kushaikwa kweruzivo rwakawanda.
3. Bvunza mibvunzo yakawanda sezvinobvira uye gadzirisa kusahadzika kupi zvako kunopinda mumusoro mako maererano nezvikamu zvese, zvisinei kuti zvingaite zvidiki sei, zvinhu zvisati zvanyanya kumonyoroka mukufamba kwenguva.
4. Kwete kutarisa kuti pane kodzero yekubvisa kune mutengi. Chikumbiro chechikwereti chinogona kutifadza kwazvo kwatiri, asi zvakakosha kuti tive negonhi rakajeka rekubuda kana nyaya yacho ikatanga kutaridzika zvakaipa, nekuda kwemamiriro azvino ekambani yechikwereti kana nekuda kwemamiriro emunhu anotidzivirira kubva. tichitora mubhadharo mune ramangwana.
5. Matemu ekumisa kondirakiti inobvumidza kukwereta anowanzo mazuva gumi nemana ekarenda achiverenga kubva panguva iyo chikwereti chaitwa uye ipapo mazuva makumi matatu anowanzo kupihwa kudzoserwa kwemari yakagamuchirwa, pamwe kusvika panguva ine zvazvinofarira.
6. Usazive zvirango zvakamiswa muchibvumirano chakabvumiranwa. Kutanga kuita mubhadharo uchifunga kuti kunonoka kwemazuva mashoma kunoregererwa pasina mibairo mikuru apo chibvumirano chakamisa zvirango, zvinogona kukanganisa zvakanyanya, kutaura zvishoma. Ita shuwa kuti unoziva chirango usati watamba nemari uye nemazuva.

Mhedziso

Chikwereti chemutengi chinogona kuva chinhu chinobatsira zvakanyanya mumamiriro mazhinji, nekuda kwekureruka kwekugadzirisa uye chinangwa chiri nyore chekubhadhara kwayo. Asi inogonawo kuva chikwereti chine matende akawanda kana tikazvibvumira kubatwa nezvido nezvirango izvo zvisati zvambofungwa zvizere.

Pamusoro pezvo, padanho rehurumende, chikwereti chechimiro ichi chinogona zvakare kutakura njodzi: njodzi iyo zvivakwa zvakapihwa kune mumwe nemumwe mutengi zvinoreva hutsotsi hwese, kugadzira bubble rinogona kupedzisira rapinda mudambudziko remari rehukuru hwakakura.

Ipapo, somune mamwe mativi mazhinji oupfumi hwenyika, inhau yomutoro mukuru. Kune rimwe divi, vashandisi, avo vanofanirwa kunyatso kuziviswa nezvemabasa avanenge vachida chaizvo kutora.

Kudivi remakambani, ayo anofanirwa kuendesa zvese zvakabatanidzwa, kufambisa chikwereti kune mutengi pasina hutsinye kumusoro uye nekuchengeta ziso pane hutsotsi hwese hunogona kukanganisa hurongwa. Uye neruvoko rwechitatu, zveHurumende masangano, izvo zvinofanira kuridza maaramu apo bhizinesi uye kufarira kwakakurumbira kwechikwereti chiri kubuda kunze nenzira inokuvadza kugadzikana kwemari yenyika.

Vhidhiyo inotevera inotsanangura muchidimbu uye yakapusa kuti rudzi urwu rwechikwereti chevatengi chii. Parizvino chinyorwa chedu pamusoro pehunhu, zvakanakira uye njodzi dze Mutengi chikwereti. Tokuonai munguva pfupi iri kutevera uye rombo rakanaka mumapepa enyu, kutenga uye kuchengetedza.