Chikwereti chemotokari: chiyero, izwi, kuenzanisa

Chikwereti chemotokari chinokutendera iwe kuti utengese mari kutenga kweimwe nyowani kana mota yakamboshandiswa. Ichi chikwereti chemutengi chinogona kusvika kusvika ku75 euros. Hukuru hwayo, kureba uye chiyero zvinoenderana nekwaniso yako yekukwereta uye kugona kwako kubhadhara. Izvo zvakakosha kuti uenzanise zvikwereti zvemotokari zvakanaka kuti uwane inonakidza kwazvo.

💰 Zvikwereti zveMotokari: zvinoshanda sei?

Seizvo zita rinoratidza, chikwereti chemotokari imari yechikwereti inowanikwa kuti iwane mari yemotokari. Inogona kuva itsva kana kushandiswa. Kune mhando mbiri dzezvikwereti zvemotokari:

• Le Iwe pachako chikwereti : Ichi chikwereti chemutengi, iyo huwandu hunogona kushandiswa sekufunga kwako. Iyo mwero inosununguka zvakasununguka nekiredhiti institution.
• Le chikwereti chakakanganiswa : Iyi ndeimwe mhando yechikwereti chemutengi, ino nguva yakarongwa, ndiko kuti, yakapihwa kutenga kwakati, mune ino mota.

Chero ipi yaunosarudza chikwereti chemotokari, chikwereti chemutengi. Vanogona kusvika pahuwandu hwehuwandu 75 000 € uye une kodzero yekutora mukati memazuva gumi nemana kubva musi wekusaina chibvumirano.

Kubhadhara kwechikwereti chako kunotanga mushure menguva ino yekubvisa uye paunogamuchira chikwereti chaunacho.

Paunotora chikwereti chemotokari, kana kutengesa kukamiswa, chibvumirano chechikwereti hachiitwe pasina muripo kwauri. Iwe unotanga kubhadhara chikwereti chemotokari kubva panguva yaunodzosera mota.

Saizvozvowo, kana iwe usingakwanise kuwana chikwereti chemotokari, kutengesa kwemotokari kunoonekwa sekusina basa uye pasina.

Chikwereti chemotokari, ingave chikwereti chemunhu kana chikwereti chakagadziridzwa, chine zvinhu zvakafanana nechero chimwe chikwereti:

• Rimwe chinguva, ndiko kubhadhara kwechikwereti uye kunoita basa rakakura pakuverenga huwandu hwemari dzako dzemwedzi;
• Un mupiro wega zvinogoneka;
• Un havukavu nenzira yekufarira, iyo inosanganisira mubereko pachikwereti, pamwe neinishuwarenzi;
• Rimwe garandichaizvoizvo izvo zvisingasungirwi nemutemo, asi chaizvoizvo zvinorongwa zvakarongeka nemasangano echikwereti;
• kubva Kubhadhara kwemwedzi, kana iyo mari yaunofanira kubhadhara mwedzi wega wega uye isingakwanise kudarika chikamu chimwe muzvitatu chemari yako (izvi zvinonzi mukana wekukwereta);
• Un mari yakakwana, izvo zvinoratidza kuti chikwereti chakakosha zvakadii kwauri, ndiko kuti, mari yakweretwa yaunofanirwa kubhadhara, pamwe nemubereko.

Rangarira kuti mutengo wakakwana wechikwereti chemotokari unogara wakawanda kupfuura mari yakakweretwa. Nekuti pakupera kwenguva yechikwereti, iwe unofanirwa kubhadhara kwete chete capital iyi, asiwo mubereko pairi, inishuwarenzi uye, pakupedzisira, mari yekutonga.

📅 Chikwereti chemota: kwenguva yakareba sei?

Nguva yechokwadi yechikwereti chemotokari inosiyana. Zvinoenderana nesangano rinokweretesa, uyezve pane yako kesi uye kugona kwako kukwereta mari. Nekudaro, iyo shoma nguva yechikwereti chakakanganiswa ndeyemwedzi mitatu. Kana uchitenga mota nyowani, haikwanise kudarika Mwedzi makumi matatu neshanuagainst 72 yemotokari yakamboshandiswa.

Paavhareji, chikwereti chemotokari chinogara 5 makore... Asi iyo ipfupi chikwereti, chakachipa icho ndechechokwadi, chikwereti chakareba chinoda zvimwe mubereko uye yakawanda yemwedzi kubhadhara. Nekudaro, iyo pfupi mota chikwereti ine yakakwira yemwedzi kubhadhara nekuti iyo yekubhadhara chikwereti ishoma inopararira nekufamba kwenguva.

Muchidimbu, nguva yechikwereti chemotokari yako inofanirwa kutariswa zvinoenderana nebhajeti yako. Your chikwereti chikamu haifanire kudarika 33%Izvi zvinoreva kuti haugone kushandisa inopfuura chetatu chemari yako yemwedzi yekubhadhara chikwereti.

Naizvozvo, zvakakosha kuti uite otomatiki simulation yechikwiriso chakakwira. Iwe hausanganisiri kwete chete mari yaunowana, asiwo zvaunoshandisa, kusanganisira zvimwe zvikwereti zvaungave uinazvo mukuita (senge mogeji). Kubva ipapo uchagamuchira yako chikwereti chinzvimbo, ndiko kuti, mari yaungatarisira kukwereta uye fungidziro yemari yako yemwedzi wega wega.

Can Ndekupi kwandingawane chikwereti chemotokari?

Zvichienderana nerudzi rwechikwereti chawasarudza, une sarudzo nhatu dzekuwana chikwereti chemotokari:

• Bank kana chikwereti institution ;
• Inishuwarenzi Kambani ;
• Un mutengesi.

Kana iwe ukafunga nezve chikwereti chakakanganiswa, iwe unokwanisa kuwana kune chero eaya sarudzo. Mazhinji mabhangi anopa zvikwereti zvemotokari, sezvinoita makambani makuru einishuwarenzi akadai seMAAF kana MACIF. Chekupedzisira, unogona kutora chikwereti chemotokari chaipo panzvimbo yekutenga, pakutengesa mota.

Kana ukasarudza chikwereti chako pachako, uchafanirwa kubata bhangi kana kiredhiti institution. Chero zvazvingava, tinokupa zano kuti uite kutevedzera chikwereti chemotokari kuti uwane yakanyanya mwero. Chokwadi, izvi zvinosiyana zvakanyanya kubva kusangano kuenda kune institution.

Uye kunyange mutsauko mudiki muyero yemubereko wakaiswa kune nguva yechikwereti chemotokari yako inogona kukanganisa zvakanyanya mutengo wechikwereti chako!

Loan Chikwereti chemotokari: kubhengi kana kubvumirana?

Iyo inonyanya kuzivikanwa mhinduro yechikwereti chemotokari ndeyekupihwa chikwereti. Iwe unogona kupedzisa chibvumirano kubhangi kana zvakananga pa mutengesi kubva kwaunotenga mota yako nyowani. Mutengesi anobva aita semuyananisi uye mari yechikwereti ichazobhadharwa kwaari nebhangi paanounza mota.

Saka zvakanakira kuti hauna hapana mamwe matanho gadzira. Mutengesi anogona zvakare kupa mafomula anobatsira. Chekupedzisira, zvichave nyore kwauri kuti utaure nezve kutenga kwemotokari yako.

Zvisinei, chikwereti chemotokari chakatorwa zvakananga kubva kumutengesi hachisi nguva dzose chinonyanya kufadza pachiyero. Kazhinji, iwe unobhadhara chikwereti chemotokari cheaply anoenda kuburikidza bhangi.

Naizvozvo, zano redu kana uchitsvaga zvikwereti zvemotokari zvakachipa ndezvekuita simulation. Unogonawo kupasa mufanisi wechikwereti chemotokari tsvaga chikwereti chakanakira iwe. Usakanganwa kuenzanisa inishuwarenzi zvakare.

Chokwadi, kana zvisiri pamutemo kusungachengetedza chikwereti chako, mabhanga anowanzoramba chikwereti pasina inishuwarenzi. Izvi zvinokudzivirira iwe nevabatsiri vako kana iwe ukazviona usingakwanise kubhadhara chikwereti chemotokari (kurasikirwa nebasa, kuremara, kufa, nezvimwewo). Inishuwarenzi ichakubhadhara chikwereti chako.

📝 Ungawana sei chikwereti chemotokari?

Kuti uwane chikwereti chemotokari, nhanho yekutanga ndeyekushandisa kuenzanisa kwekufungidzira uye kuenzanisa yako yekukwereta kugona. Iwe unozonyatsoda kusarudza inokweretesa institution pane yakanakisa chiyero wozo gadzirisa yako faira.

Izvi zvinosanganisira magwaro anotsigira anoverengeka:

• Chitupa : chitupa, humbowo hwekero;
• Uchapupu hwemari : ekupedzisira matatu ekubhadhara, RIB, nezvimwewo;
• Kusimbiswa kwechikwereti : fomu rekuodha yemota nyowani.

Ichi chikamu chekupedzisira hachifanirwe kana ukasarudza kushandisa chikwereti chako pane chikwereti chakakanganisika. Iri faira rinoshandiswa kuchengetedza chikumbiro chako chechikwereti nebhangi nekusimbisa yako solvency.

Ingori nyaya yekuongorora mari yako, mari yako uye nekupa chikwereti chakaenderana nemamiriro ako ezvinhu. Naizvozvo, bhangi rinogona kukukumbira mamwe magwaro. Ziva kuti unogona kukumbira mutengesi kuti akubatsire kuenzanisa mitengo yemasangano akasiyana ekukweretesa, uye kuti anogona kukubatsira kuunganidza faira.

Kana iyo chikwereti institution ichiongorora nyaya yako uye solvency, anotambira kana kuramba chikumbiro chako chemota chikwereti. Kana ichigamuchirwa, iye achakupa chikwereti kupat, iyo inosanganisira kukura kwezvikwereti, huwandu hwayo uye Yegore Percentage Rate (APR).

Kana ukaramba, unogona kuita chikumbiro kune rimwe bhangi. Kutengeswa kwemotokari kwakabviswa pasina chirango.

Kana iwe uchibvuma kupihwa uye kusaina, iwe uchave uine 14-zuva rekufunga-pamusoro penguva mushure mekusaina. Unogona kupfupisa nguva iyi nekutaurirana nemutengesi wemotokari nekunyora.

Loans️ Zvikwereti zvemotokari: Inguva yakareba sei kuva nemari?

Iyo nguva inotora kuburitsa mari mushure mekuwana chikwereti chemotokari inosiyana. Zvinoenderana nemari yacho, asi kunyanya kune anenge akweretesa. Kazhinji mari inobhadharwa kunyangwe 1 semaines et al. 2 mushure mekusaina chikwereti.

Iyo shoma yekuburitsa nguva yemari iri 7 Mazuva... Asi sezvo nguva yekubvisa iri mazuva gumi nemana, mazhinji echikwereti masangano anofarira kumirira kusvikira apedzwa asati adzosera chikwereti chemotokari.

Asi usavhunduke: nechikwereti chakakanganiswa, hautange kubhadhara chikwereti kusvikira chigadzirwa chasvika. Hapana mubhadharo ungangodikanwa kudzamara chikwereti chasainwa uye nguva yekubvisa yapera, kunyangwe iwe ungakumbirwa kuti ubhadhare mari pakubuda. Ichadzorerwa kwauri kana chikwereti chikanyimwa kana iwe ukabvisa kutengesa.

Kune chikwereti chako pachako, kubhadhara kwacho hakugone kudikanwa kusvika panopera nguva yekubvisa uye yekuburitsa. Saka hauna chaunonetseka nazvo!

Ndizvo chete, iwe unoziva zvese nezve zvikwereti zvemota! Sezvaungave waona pari zvino, zvakakosha kuti uenzanise mitengo nekungwarira kuti uwane yakanakisa chikwereti chemotokari. Gadzirira faira zvakanaka kuratidza kugona kwako kubhadhara, kunyanya sezvo mafaera akanakisa ari iwo akakweretwa pamashoko akanakisa.