Akavharidzirwa mari yako

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Akavharidzirwa mari yako

Mari yakavharidzirwa yega (zvakare Realkredit ) yakavakirwa pakuchengetedzwa kwezvinyorwa nemunhu anenge akwereta. Izvo chikwereti, sebhangi kana mabhengi ekuchengetedza, inoshandisa izvi zvakasungirirwa sekusungirirwa pamusana pokushaya kubhadharwa kwezvikamu zvemwedzi. Mararamiro akadaro echikwereti anoda kuti chikwereti chikwereti hachibvumirwi. Iyo chikwereti chikwereti chinotsanangurwa kuburikidza nekuongororai kushandiswa kwemari kwemunhu anokumbira. Nechinangwa ichi, deta kubva kumagwaro akange aripo emahofisi emari ekubika mari anoshandiswa. Zvikwereti zvekwereti zvakadai seSchufa kana Infoscore zvingachengetedza zvimwe zvekutengeswa kwemugari wevanhu, izvo zvinoreva kudhidzirwa kwehupfumi. Mukuwedzera kune imwe nzvimbo yedhi data, tsanangudzo yezvikwereti nokuda kwekutengeserana, kubhadhara mari yebhadhiji, kubhadhara zvikwereti, zvikwereti zvevatengi uye mabasa akafanana evanhu vanowedzerwa.

Kana chikwereti chekwereti, apo chizvarwa chaita chikwereti chechikwereti, chinosarudza chikwereti chikwereti chekwereti, uyo anokweretesa achatsigira pane chikwereti chakavharwa. Iyi ndiyo nzira chete yekuvimbisa kupa mari yechikwereti mumatambudziko akawanda. Chikwereti chakavharidzirwa chairo chinobva charemerwa nehuwandu hwechikwereti. Iko chikwereti chinoshanda nekuwedzera kwengozi yekukweretesa.

Izvi zvibvumirano zvinowanzogamuchirwa

Nokuda kwekubvumirwa kwekwereti chemunhu, vateresi vanogona kutora zvakasiyana-siyana kuchengetedzwa. Zvinhu zvinoshandiswa zvakadai semotokari, zvidhori kana zvigadzirwa zvinokosha zvinoshandiswa kuwana zvikwereti. Imwe yakashandiswa sechikwata chechikwereti, kutengeswa kunorambidzwa na muridzi. Ichokwadi kuti uyo akwereta anoramba ane zvigadzirwa zvinotengesa, asi haafaniri kutengesa, kuapa kana kuvapa nhaka. Mune mhaka yemotokari, sekutonga, tsamba yemotokari inowanikwa nechechi chikwereti sechibvumirano, iyo inotora zvishoma kubhidhiyo yacho pakarepo kana anenge akwereta asina kukanganisa nezvikamu zvake. Zvichiitika, zvisinei, iyo yekupedzisira inodanwa kuti iite mubhadharo musati mvumo yepamutemo inoreva chikamu chekweretesa.

Saizvozvowo, chikwereti chakavharidzirwa chega chinogona kuvharwa nemari yemari. Kuvaka zvivimbiso zvekuchengetedza, inshuwarisi yehupenyu kana hurumende yehurumende uyewo zvikamu, uyewo zvikamu zvinoshandiswa pakutsvaga. Real estate, inoshandiswa munzvimbo dzakadaro kana nyika inogonawo kushandiswa seimba inogona kuwanikwa. Vashambadziri vanogona kuvimbisa chikwereti kuburikidza nehutano hwekambani.

Chero ani zvake anoda kuvhara chikwereti chekuchengetedza anofanira kutanga achenesa chikwereti chavo. Izvi zvinogona kuva basa rinopedza nguva, risingakwanisi kuitwa nekukwereta kwenguva pfupi.

Chimwe chikwata chekubhadhara chikwereti chemunhu

Chikwereti chakavharidzirwa chinogona kuchengetedzwa pasina pfuma. Munyaya iyi, guaranty ye guarantor inokosha. Muchiitiko ichi, akakwereta anowana chikwereti nokukwereta, Kune makambani izvi zvinoreva kuti vanogona kuchengetedzwa nedzimwe makambani. Mukuita, izvi zvinotevera:
Kambani A inoda chikwereti chekuchengetedzwa kwekushanda kana kuti inoda kuisa mune zvinyorwa zvitsva. Kune rumwe rutivi, imwezve chikwereti chisina kuchengeteka chairo chemunhu hachibvirike pamusana pezvikwereti zvekunze. Zvinhu zvekambani hazvina kukwana kubhadhara chikwereti. Saka kambani inopa chikwereti kuti chichengetedzwe nekambani kana kunze kwekambani. Iyo yekupedzisira ichaita sevimbiso uye ichava nekodzero neyo pacheti yake.

Izvi hazvisi zvakasiyana kune vanhu vari voga. Chikwereti chakavharidzirwa chinogona kuchengetedzwa kuburikidza neshuwarisi yechuwarisi, kana izvi zvichizivikanwa nemunhu anokweretesa kana nevanomiririra kana vashandi vekutengeserana. Basa rer guarantor rinogona kutorwa nehama, shamwari, vanoziva kana kunyange vashandi. Zvakakosha kuti zvinhu zvavo kana Nokutendeka nokuda kwekwereti chekwereti. Iko kunofanirwa kutakurwa muchirangaridzo kuti chikwereti chakavharidzirwa nehutano chinongobatsira chete kana muchengeti asingagadzirisi uye chikwereti chake hachina kuipa.

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