Kulanter chikwereti

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Chii chirikulanter chikwereti?

munhu chikwereti iyo chikwereti chisina kugadziriswa maererano nesungano. Izvi zvichava zvitsva kwauri, uye iwe unogona kufunga nezvekufarirwa kwebhangi ari kuita apo iwe unokwereta. Iwe uchave watoona kuti chikwereti kazhinji kine mamiriro akasiyana pane chikwereti chagara chichipiwa nguva dzose. Izwi iro pacharo rinoreva zvakanyanya uye rakananga kumusoro. Mamiriro ekugamuchirika mumunda wekwereti ndeyekukura kwakasiyana, nokuti kubata kwevatengi kunotsanangurwa pano. Kana mutengi akagutsikana uye anorumbidza kubwinya kwebhangi, zvino izvi zvine chimwe chikonzero. The kufadza chikwereti chinhu chikwereti kuti ndiye asina nekubatwa yakabvuma ezvinhu uye kuzadzika iyo vasisiri nebumbiro mutengi. Dzimwe mabhengi anobvumira vatengi vako kusiya mari yechikwereti nguva dzose zvakare kuva chikwereti chekudya. Zvisinei, ichi chine chokuita chemhosva kuna vakabvumirana rates, yakawanda atiitirewo. mbiri dzinenge nguva dzose rakasiyana dzose chimiro.

Tsanangudzo yezwi rokuti kulanter chikwereti

Sezvakatsanangurwa, mabhangi anoshambadza nekunaka kwavo. Iva iyo chido chekuda, mazinga nemamwe mamiriro. Mari inowanzotarisana nenjodzi yakawanda. Izvi ndezvekuvimbika kwevatengi nevakwereta. Izwi rokuti credit risk rinotsanangurwa sechikwereti chekwereti. Vanhu vane zvinyorwa zvisina kunaka zveSchufa vanogonawo kupiwa mamwe maitiro pasi pemamwe mamiriro ezvinhu. Iyi ndiyo iyo pfungwa ye "kulanterkredit" inenge iripo apo zvibvumirano zvikapera, sezvo bhangi iri mubvunzo rinogona kunyanya kupiwa mubayiro nekuda kwekuisa pangozi iyi. Hapana bhengi ringada chaizvo kukwereta chikwereti iyo ngozi inowanikwa yakaverengwa seyakakwirira. Nokudaro, zvikwereti izvi hazvirevi kutora zvikwereti zvinokonzera njodzi, asi zvakanyorwa nechikwereti. Chero chikwereti chenguva dzose chinogona kuva chikwereti chakadaro kana mutengi asingakwanisi kutevera zvibvumirano. Zvinokonzera kukanganisa kwezvikwereti zvemitengo yekufarira uye kukonzera zvinhu zvakasiyana zvikuru. Nokudaro, iwe unogona kuyeuka pfungwa iyi yekukweretesa chikwereti uye ona kuti nguva dzose inokanganisa uye kusagadzikana kune zvikwereti nguva dzose. Sezvinenge zvatsanangurwa, chero zvikwereti zvinowanzoitika munguva yebhadharo rekubhadhara zvinogona kuva chikwereti-

Kulanter chikwereti uye zvinokonzerwa nebhangi uye nevatengi

Izwi rokuti "kulanter Kredit" rinowanzowana kushandiswa uye rinoreva kubhengi. Hapana munhu angakoshesa chikwereti sechikwereti chine usimbe kana chisiri chenguva dzose mubhizinesi rega rega. Nhasi kune mabhanki nemakambani anoona mune urudzi urwu hwokukweretesa. Pano zviri muzvikwereti zvinotengeswa pasina Schufa uyewo pamusoro pekwerekodhi kunobvumirwa kunze. Uye iyo inowirirana, inowedzera yakaodhura, nokuti, sezvakataurwa, makambani aya anogona kunyanya kutyisa kubhadhara ngozi yavo. Zvikwereti zvinokodzera ndezvikwereti nguva dzose, munguva yekambiso, kambani yebhangi inonyatsoongorora kukosha kwekodhadhi yevashandi uye zvinyorwa zvayo. Kune zvikwereti pasina Schufa, asi imwe inofanira kutaurwa. Kunyange mabhengi aya haazoiti chero njodzi ipi zvayo inokuratidza kwauri kuti mutengi haadi kubhadhara zvikamu kana chikwereti chekwereti chapera. Izwi rokuti "kulanterkredit" rinoonekwawo zvakare mukati memabhangi uye nekulanterkredit nguva dzose zvikwereti zvinongorongedzerwa kana mutengi asingakwanisi kutenga mamwe madhora. Bhengi ichabva raza chikwereti ichi uye kunyange kana kulanzer chikwereti ichibviswa, ipapo mutengi anogona kugopokana. Uyu rudzi rwekwereti kengozi, inogona kupiwa chete neshamwari, vanozivana nemhuri.

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