Chikwereti chemudhudhudhu - chii chekusarudza? Kuiswa, kurojesa, kana pamwe chikwereti chakavanzika?

Kurota mudhudhudhu wako wega? Asi iwe hauna mari yekuitenga? Kana iwe uri kufunga kutenga michina mitsva, tora chikwereti chemudhudhudhu. Uchaigamuchira nemaitiro mashoma? Sei? Zvitarise iwe pachako!

Kuva nemudhudhudhu ndiko kurota kwevarume nevakadzi vakawanda. Parizvino, kuchengetedza mari yakakwana yekuitenga idambudziko guru. Mitengo inogara ichikwira yemotokari dzakashandiswa uye nyowani haiite kuti zvive nyore kuona chiroto chako. Chikwereti chemudhudhudhu mukana wekuita kuti chimwe chezvishuwo zvako zviitike. Zvisinei, yeuka kuti rudzi urwu rwemari runotora nzira dzakawanda. Inogona kunge iri yekurenda, chikwereti chemari kana chikwereti chemudhudhudhu wenguva dzose.

Ndechipi chikwereti chemudhudhudhu chekusarudza?

Iwe hauzive nzira yekuita mari yekutenga mudhudhudhu? Hedzino dzimwe dzedzinonyanya kufarirwa nzira dzekuunganidza mari yemota yezviroto zvako:

• chikwereti / chikwereti chemari;
• chikwereti chemotokari (nechisarudzo chemudhudhudhu);
• chikwereti chemudhudhudhu;
• leasing;
• chikwereti chakazvimirira.

Unoda kutenga mudhudhudhu asi usingazive maitirwo emari? Iwe une mari yakakwira yakakwana here, hapana manyorerwo asina kunaka muBIC nemotokari yakasarudzwa? Nyorera kusangano rako rezvemari rakasarudzwa. Rangarira kuti uchawana mari yekutenga mudhudhudhu kubva kubhengi nekambani yechikwereti. Verenga zvinopihwa zvemayuniti ega nemazvo. Pamusika, iwe unowana ese ari maviri ehunyanzvi masangano ekukweretesa anotsigira mabhizinesi, akadai se plmfund.pl, uye mamwe masangano asiri emabhangi anopa zvikwereti kuvanhu. 

Mari zvikwereti isarudzo yakanaka nekuti haifanirwe kutsigirwa neinjini yawakatenga. Nekudaro, mamiriro emari mune iyi kesi achange asina kunaka. Kana iwe ukafunga nezve yakakurumbira chikwereti chemota/mudhudhudhu, ndapota funga nezve yakadzama zvirevo uye mamiriro. Kana chisungo chikasabhadharwa, iyo institution inotora mota kubhadhara chikwereti.

Leasing zvakare inzira iri nyore yekuwana mota nyowani ine mavhiri maviri. Sei? Neiyi fomu yemari, iwe unogashira mudhudhudhu wezviroto zvako, izvo zvauchazonyoresa kukambani yako. Saka iwe unogona kuisa kutenga kwake mumutengo wekuita bhizinesi.

Chikwereti chemudhudhudhu - chii chekutarisira?

Paunenge uchinyorera chikwereti chemudhudhudhu, teerera kune akati wandei maficha, anoti:

• interest;
• komisheni;
• maturity;
• zvirambidzo zvinobva muchibvumirano chemari.

Paunosarudza pane yakajairika chikwereti chemudhudhudhu kubva kubhangi, iwe unowanzo kuwana mari yekutenga mota uye chero chinangwa. Iyi fomu yemari ichakubvumidza iwe kutora mukana wenguva yekubhadhara inosvika makore gumi. Rangarira, zvisinei, kuti kukura kwemudhudhudhu waunotenga, kunowedzera mubereko pachikwereti chako.

Kunyorera chikwereti chemudhudhudhu kuri nyore. Zvese iwe zvunofanirwa kuita kupa iyo sangano rezvemari seti yakazara yemagwaro pamwe chete nekunyorera kwakapedzwa. Mabhangi kazhinji anoda kuendeswa kwemuridzi wemotokari. Zvinorevei? Pawakagamuchira chikwereti, unozvipira kudzorera mudhudhudhu kana usina kubhadhara chisungo. Paunenge uchitenga iyo AC policy, funga nezve mukana wekubvisa kubva kwairi uchifarira bhangi kana zvichidikanwa.

Chikwereti chemudhudhudhu kana kukodha - ndeipi iri nani?

Urikunetseka kuti nei kukodha kuri nani pane chikwereti chemudhudhudhu? Nekusarudza lease, iwe chekutanga unowana:

• nzira iri nyore yekufunga;
• zvimiro zvishoma zvinofanirwa kupedzwa;
• mukana wekushandisa zvakaderedzwa kana uri kuita bhizinesi;
• hapana chikonzero chekusimbisa chikwereti uye kusavapo kwezvinyorwa zvisina kunaka muBIC.

Funga nezvemabhenefiti aya paunenge uchitsvaga mari yekutenga mavhiri maviri matsva. Rangarira kuti muridzi wemba anogona kutsanangura nzira yebasa uye kuisa miganho yemamaira. Kana ukasarudza chikwereti chemudhudhudhu, hapazovi nemamiriro ezvinhu akadaro.

Kuzvipedzisa, chikwereti chemudhudhudhu isarudzo yakanaka yekuita kuti zviroto zvako zviitike. Kufanana nechero sarudzo yemari, ine zvayakanakira nezvayakaipira. Iwe unofanirwa kupindura mubvunzo iwe pachako kana zvakakosha. Ongorora zvese zvakanakira nezvayakaipira uye iwe uchaita sarudzo chaiyo. Zvakare rangarira kuti zvikwereti kubva kumakambani akazvimirira kune vezvemabhizinesi zvinogona zvakare kuve inonakidza sarudzo.