Kana iwe uchida kuziva ruzivo rwese nezve anozivikanwa chikwereti chebhiriji, iwe uri panzvimbo chaiyo muchinyorwa chino tichaedza kutsanangura zvachinoreva uye mabasa ayo ese nenzira iri nyore. Saka unokona kumira kuverenga.
Zvikwereti zvemabhiriji kana mbavha ndezviya zvinopihwa nemabhanga kana mutengi achida mari yakati wandei ipapo. Somuenzaniso, kutenga imba.
Chii chinonzi zvikwereti zvemabhiriji?
Izvi zvinosanganisira kunyanya yerudzi rwechikwereti chinogona kunzi "chakakosha", icho chinopihwa nemamwe masangano emabhangi kana mumwe wevatengi vavo aine mari yekukurumidza, tinogona kuidaidza kuti kiredhiti.
Humwe hunhu hwayo hukuru nderekuti inogona kutorwa sechikwereti chenguva pfupi kana mari, sezvinoratidzwa nezita rayo, ivo vari bhiriji kana zvikwereti zvenguva pfupi. Mabhangi anowanzovapa nenzira yakapfava, nechinongodiwa chete chekuti mutengi anogona kuona kuti mari inodzoserwa munguva pfupi iri kutevera.
Nechikonzero ichi, mabhanga anoita ongororo inokurumidza, kuitira kuti nenzira iyi inogona kusimbiswa kuti zvechokwadi zvinokwanisika kubhadhara chikwereti chakapihwa pasina kukanganisa, izvi ndizvo zvese zvaunoda kuti ukwanise kukumbira izvi pasina chero. dambudziko.
Basa rechikwereti chebhiriji chii?
Zvino tichaedza kupindura mubvunzo uyu: Ndeipi basa guru rechikwereti chebhiriji kana mbanje? Kuiisa nenzira inokurumidza uye yakapusa, basa rayo nderekupa kuderera kana kushaya mari kune avo vatengi vanoshuvira kuwana imba kana yekugara vasina kufanotengesa yavo, uye nenzira iyi, vanokwanisa kuvimbisa kutenga iyo itsva uye gare gare unokwanisa kutengesa imba yako nenzira inodzorwa, yakapfava, uye pamusoro pezvose zvakasununguka.
Asi iwe unogona kunge uchinetseka kuti inguva yakadii iyo bhangi ichandipa kuti ndikwanise kubhadhara yakafanira chikwereti chakumbirwa, kunyangwe kurudziro iri yekuti uende kubhangi rako uye ikoko unogona kubvunza ruzivo rwakakwana. Sezvo dzimwe nguva nguva idzi dzinogona kusiyana, asi vatengi vanowanzopihwa mazwi epakati pemakore maviri kusvika mashanu kuitira kuti vakwanise kuita mubhadharo wakakwana wechikwereti chakumbirwa.
Nenzira iyi, iwe unovimbisa kuve nenguva inodiwa yekukwanisa kutengesa chivakwa chako uye nekugona kukumbira yakanaka kupihwa. Saka usazeza kubvunza mabhangi ako akateedzana kana aine rudzi urwu rwezvikumbiro zvinoshanda, ivo vanozobatsira zvakanyanya.
Kana iwe uchida kudzidza maitiro ekunyorera iyo zvikwereti kune vasingashandi muSpain, iwe unofanirwa kuisa iyo yapfuura link, kwaunowana chinyorwa chine ruzivo rwese nezvenyaya iyi. Unokona kurega kuiverenga.
Zvikwereti zvebhiriji zvinosiyana kubva kune zvakajairwa, mukuti zvinobvumidza kubhadhara kwemubereko chete, iyo inosanganisirwa mubhadharo wemwedzi wega wega wemortgage yako. Kusvikira mutengi akwanisa kuita mubhadharo wemari huru yakakumbirwa.
Musiyano pakati pechikwereti chebhiriji nechikwereti chakajairwa?
Zvikwereti zviviri izvi zvine zvimwe zvakasiyana, izvo zvatichaedza kutsanangura pazasi, kutanga kwezvose, mari yekubhadhara zvikwereti zvebhiriji kana zvikwereti zvinenge nguva dzose zvakabatanidzwa mukubhadhara kwemwedzi kweimba itsva, saka, Nenzira iyi, semutengi. , haufanirwe kunetseka nezvekuwedzera kubhadhara kweakajairwa, asi panguva yekuita mubhadharo wemwedzi wega wega, unenge uchitoita madhiri ekubhadhara chikwereti chakumbirwa.
Chii chinobatsira icho izvi zvinounza?
Zviri nyore, iwe semutengi hauzonetseke nekubhadhara imwe mubereko, ipfungwa ine hunhu kana uchinyorera chikwereti chemunhu, izvo zvinogona kuita kuti mutoro wekuti wanyorera ichi uti remei. handichafaniri kunetseka nezvazvo zvakare.
Imwe pfungwa inogona kukufadza ndeyekuti zvikwereti zvebhiriji zvinogona kubhadharwa nekushaikwa kwemari (Nenzira iyi chete mubhadharo unoenderana nemuberero unoitwa, pasina kuve nemari yakazara capital), kana bhangi rinoverengera yakakosha yakaderedzwa mubhadharo ( Izvi zvinoenderana kumari yakakosha iyo inoiswa nebhangi uye inowedzerwa kune yekupedzisira mortgage, zvinoitika kuti inogona kunge yakafanana neiyo yatakatsanangura pamusoro uye mari iyi inogona kuenderana nekubhadhara kwemubereko).
Saka isu tinokurudzira kuti iwe, sevatengi vazhinji vanonyorera kushandisa iyi rudzi rwehurongwa hwemari, vane chido chekuita mubhadharo wepamwedzi wemubereko chete. Sezvo vachitaura kuti capital ichadzoserwa panguva yavanogona kutengesa imba yavo yazvino uye nekudaro vanokwanisa kuita yakakwira amortization kupfuura yemortgage.
Zvikwereti zveBridge
Kunyangwe kusvika zvino kune zvakataurwa isu tinogona kufunga kuti rudzi urwu rwekukweretesa ingave yedu yakanakisa sarudzo, sezvo ichitipa imwe nyaradzo uye mukana wekukwanisa kuita muripo unofambira mberi, zvakakosha kuziva kuti bhangi pakusarudza kukupa chikwereti cheMurume uyu ari kuita njodzi mbiri:
Chekutanga ndechekuti haugone kutengesa imba yako mukati menguva yavanotanga uye yechipiri mhedzisiro yekutanga, nekuti nekusave nemari kubva mukutengesa haugone kudzosera capital uye, saka, haugone kudzosera iyo yese. mari yechikwereti.
Nokuda kwechikonzero ichi, marudzi aya ezvikwereti haapiwi kune vese vatengi vebhangi, anowanzo kuwanikwa kune boka rechikwata, nguva dzose kune avo vanoonekwa seVIP. Uye izvi zvinodaro nekuti uyo angapinda mudambudziko angave iwe semutengi, sezvo usingakwanise kudzosera mukuru wechikoro pamwe nemubereko wakatangwa kubva pakutanga uye, sezvo wanga usina mari, izvi zvinogona kusvika kumatare epamusoro. .
Ndosaka kurudziro yakanakisa yatingakupa ndeyekuti ufunge kaviri usati wanyorera rudzi urwu rwechikwereti chebhiriji, tinokurudzira kuti ushandise dzimwe nzira usati wasarudza iyi, semuenzaniso, kuti hama inogona kukweretesa mari.
Asi kana ukasarudzirwa, tinokuudza kuti inogona kunge iri imwe nzira yakanaka, inogona kukubatsira zvakanyanya, unogona kupa mupiro wakanaka weimba yako yazvino uye wopedzisira waitengesa uchitoshandisa imba yako nyowani, yawakatenderwa. tenga kutenda nekushandiswa kwemortgage. Saka tinokukoka iwe kuti uongorore zvese zvakanakira nezvayakaipira usati wafunga kuzviraira.
Nenzira iyi, tinopedza chinyorwa chedu pamusoro pezvikwereti zvebhiriji, tinovimba takakubatsira. Nekudaro, sezvatinoziva kuti iwe unogona kugara uchida kuziva rumwe ruzivo, tinokusiira iwe unotevera vhidhiyo. Tora maminetsi mashoma kuti uzvione, hauzozvidembi.