pachako chikwereti

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Chii chikwereti chemunhu?

Kune zvakawanda zvakasiyana-siyana zvakasiyana-siyana zvezvikwereti, izvi zvichange zviri pachavo

Nguva yekushandiswa, rudzi rwekubatana, maererano nekwereti chekwereti (Information Schufa).

Mari yechikwereti ichi chakasiyana ne Realkredit.
Mari yechikwereti chaiyo inogadziriswa nehutano (imba, motokari), kutora chikwereti kana kubhadhara.
Mari yechikwereti inorondedzerwa sekwereworthiness nekuda kwekwereworthiness (= kuvimbika kwezvemari) shaya chinhu chikwereti kana nechikwereti chechikwereti.
Kune mhando dzakasiyana dzevashandi vechikwereti, mienzaniso yezvikwereti zvemunhu ndeye:
- iyo inoshandiswa kupfuura zvekare
- mupi wekwereti

The pachake chikwereti munhu anonzi unsecured bhengi chikwereti, mugumisiro mbiri (= solvency) of bank vatengi achaparadzwa paakavapa, ichi zvinoitwa chivimbo mukati mubhangi.
Zvimwe zvikwereti zveakwereta kana kuti zvitatu hazvidiwi.

Nokuti makuru inopfupikisa kwakadai zvikwereti haawanzopiwi makapiwa nokuti zvinoda yakawanda mashoko iyerere uye zvakaita kanenge akaita refu vatengi kana waunoziva, saka kubhangi anovimbiswa kuti chikwereti inogona kubhadharwa.
Nhamba yemari uye bhadha uye mari yekurasikirwa (nhaurirano nebhuku rakarasikirwa) inowanzotarisana pano.
Zvisinei, izvi zvinowanzokonzera vatengesi vebhizimisi.

Kune vanhu vari voga, uchapupu hwehuwandu hwehuwandu uye nguva dzose yemari inowanikwa inowanzodiwa.
Nzwisisiro yeavo vakakumbira nayo inokoshawo.

Nhasi zvikwereti zvikwereti zvakadai sezvikwereti zvemagariro, uyewo overdrafts, izvo zvinoregererwa nebhangi hazvina kukweretwa zvikwereti.
Kunyange zvikwereti zviduku zvekutenga (kutenga zvikwereti) kana zvikwereti zvezororo zvinopiwa kune vakanaka mabhengi vasina kubhadhara kana kushanda kwekutengesa.

Kuwedzera kwemari yako yega uye maitiro ayo akasiyana

Iko kunewo izvo zvinonzi zvinowedzera zvikwereti zvemunhu, mune zvimwe zvikwereti (dhaka) zveakwereta zvakakosha.

Mienzaniso yekubatwa:
- Kutumirwa kwechikoro chemotokari yekubhadhara motokari
- cession yezvikwereti zvemari

Zvikwereti zvizhinji zvevatengi * zvinowedzera zvikwereti zvemunhu (semuenzaniso zvikwereti zvekubhadhara motokari).
* "Mari yakagadzirirwa kushandiswa kwezvinhu uye mabasa (kushandiswa pachedu)"

Chimwe chimiro chekuwedzera kwevashandi chikwereti chikwereti chairo chakavharwa.
Pano, zvakare, dhimoni haikwani.
Zvimwe zvekutengeserana zvinotarisirwa nevanenge vari vatatu, vanogonawo kunyoresa sevimbirano.
Mukati yezvibvumirano izvi zvebasa rezvivimbiso kana zvibvumirano zvehutano zvinowanzobudiswa.

Chikwereti chakachengetedzwa chemunhu chairo chinonzwisiswa sechireva chikwereti chakazivikanwa, iyo iyo iyo imba yaiye akwereta inobatwa sechisungo.
Inowanzotumidzwa semari yechikwereti yeimba yevanhu uye inowanzoshandiswa kuita mabasa akasiyana-siyana ekugadzirisa zvinhu uye zvemazuva ano.
Kushandisa kwechikwereti chezvivako izvo zvisati zvawanikwa zvinenge zvisingaiti.
Iyi fomu yechikwereti yakafanana neRealkredit kana mari yechikwereti, asi kubhadharwa kunogadziriswa kupfuura kune zvikwereti zvikwereti.
Mabhanki anofarira kushandisa marudzi aya ezvikwereti nokuti ndeimwe yezvinetso zvishoma.
Kana akakwereta asingakwanisi kuripa, anogona kuwana nzvimbo yacho.
Kubatsira kukuru kune akakwereta ndechokuti izvi zvinogona kuva zvakanaka.

Mari inokosha inogona kuitwa chero ipi zvayo, uye kuwedzerwa kwechibvumirano chemwedzi pamwedzi kunogona kushandiswa zvakare.
Izvi zvingaguma nekubhadharwa kwakakurumidza kwechikwereti uye nokudaro kuderedzwa kwezvinhu (mari yekuchengetedza mari, kubhadhara mari, kubhadharwa kwezvikwereti, nezvimwewo).

Kuti uwane tsanangudzo iri nani, heyi vhidhiyo inotarisira kupindura mibvunzo yakasununguka.
Unofanirwa kuva nemibvunzo, usanonoka kutaura nemuridzidzi wezvemari.

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