Kazhinji mabhanki anotengesa vanhu vane mvumo yekubhadhara mari, kana iwe nokukurumidza iwe unogona kuwana imba yako. Panguva imwecheteyo, vadzidzisi vanozvininipisa vanoramba vakanyarara pamusoro pechinhu chekutengesa, chii icho chaicho, uye ndeipi ngozi yekurasikirwa zvose dzimba uye mari inotengeswa. Usati watora chikwereti, hazvirevi kutanga kutarisa mazwi ekubhadhara chikwereti mune dzimwe nzvimbo dzemari.
Chii chikwereti uye chinoshanda sei?
Izwi rokuti "chikwereti" rinokwererwa kubva kuvaGiriki, mukushandura zvinoreva "pledge". Kunyangwe tichidzidza zvirevo zvebhangi, kwete vanhu vose vanotungamirirwa nemari iyo mari inoshandiswa. Paanosarudza panyaya yemari, mamwe mabhangi anofungawo nezvekuwana mari yese yemhuri, achibata murume kana mudzimai semubatsiri. Chirongwa chekutengesa chiri nyore kwazvo:
- Munhu wacho anotora mari kubva kubhangi uye pakarepo kana yakanyatsoverengwa, mari yacho inodzingwa, uye imba kana motokari inova nzvimbo yake.
- Kana muteresi asingakwanisi kubhadhara, imba yacho yakasungirirwa kutengeswa, chikamu chemari yacho inodzimwa chikwereti, tichifunga nezvechido.
Ndeipi imba yekubhadhara mari?
Kazhinji vanhu vanotora zvikwereti kuti vatenge imba, uye mabhanhire achida kuenda kundosangana. Iyi ndeimwe yematarenda evanhu vakawanda-kubhadhara chikwereti chekubhadhara mari. Ndezvipi zvinoedza muimba yekugara? Bhenji inokwidza imba iyo pakarepo, uye kwete apo iyo yose yakabhadhara. Kana tiri kutaura pamusoro peimba yekubhadhara chikwereti, zvakakosha kare kuti tive nekuverenga nguva dzakadaro:
- kunyangwe zvingave zvichikwanisika kubhadhara mwedzi wose mari inotarisirwa kwemakore mazhinji;
- pasinei nokuti iwe unogona kuripa bhangi kana iwe ukarasikirwa nebasa rako.
Kana paine chisarudzo chekupa chikwereti kana kwete, bhengi inofunga kana muchengeti achakwanisa kupa mari yemwedzi inodiwa, saka iyo inokosha inowanikwa nemitengo, chete mari inoshandiswa pamutemo inotorwa. Dzimwe dzimba dzemari dzinofunga nezvekuwedzera mari, iyo inowedzera mikana yeakwereta, asi havasi vese vatengi vanobvumirana kuparidzira chiyero ichi.
Chii chinonzi chikwereti chomunharaunda?
Munyika dzakawanda, hurumende iri kusangana nemhuri dzinoda dzimba, mapurojekiti akavakwa, uye mortgage loans. Chii chinotora chikwereti muhutano hwemagariro evanhu uye ane kodzero yekuita nayo:
- Migwagwa iyo imba isiripo pasi pemitemo yekutengesa mari.
- Vanhu vari kumirira mumutsara kuti vavandudze nzvimbo yavo yekugara.
- Mhuri dzakakura.
- Vakapedza kudzidza veherera.
- Vashandi vehuwandu hwemari.
Hurumende inopa vanhu vakadai chikwereti pane zvinyorwa zvinoshandiswa, zvinopa rubatsiro rwemagariro evanhu. Iro sarudzo huru ndeyebhangi, kana mhuri isina mari yakagadzikana inobvumira kubhadhara chikwereti, saka sangano rezvemari rine kodzero yekuramba. Chikamu chekugara kwevanhu chinosanganisira zvirongwa zvemauto nevechidiki mhuri, nokuda kweizvi mamiriro ekugadzirisa zvikwereti zvinopiwa:
- Military Mortgage . Bhizinesi rinotaura nezvemari yakawanda paakazomu mukuru wehurumende, kunyanya kutenga kutenga dzimba. Zvose zvinobhadharwa nehurumende.
- Imba yemhuri yevana vaduku . Kwavari, hurumende inobhadhara chetatu chemari yacho. Pane zvinhu zviviri zvinokosha:
- age - kwete makore makumi matatu;
- anofanira kumira mumuganhu weimba.
Zvinyorwa zvezvikwereti
Nyanzvi dzine marudzi anoverengeka anozivikanwa ezvitoro:
- On real estate.
- Kuimba kana imba yeimba.
- Paimba.
- Pazvivako zvitsva.
- Kunzvimbo.
- Kuenda kune kottage.
Imba yekuchengetedza dzimba dzechipiri - tsika yebhengi dzakawanda, mitengo - kubva pa8 kusvika ku15%. Kune marudzi akasiyana ekubhadhara chikwereti, musiyano unongowanikwa mupiro: kubva pa10 kusvika ku50%. Vatengesi vanonyatsodzidza zvose zviri pasi pesungo uye mari yemunhu akakwereta uye vangaramba kana:
- dzimba inotengwa kubva kune hama;
- mushure mekufa kwewaimbova muridzi, mwedzi mitanhatu yakapfuura;
- wakwereta ane vana pasi pemakore gumi nemasere;
- imwe yevadzidzisi vemunharaunda isina kunaka.
Mabhangi anonyatsoteerera kugadzirwa kwehutano hwechivakwa, apo chikwereti chinopiwa nokuda kwekutenga dzimba. Nokudaro, mikana yokuti vachapa mari yeimba mune imwe imba, imba yehotera kana muimba yehostele yakanyanya kuduku. Kupfeka kweimba hakugoni kudarika makore 55. Kurongeka kweimba kunofanira kufanana nemifananidzo yeBTI. Nokudaro, kana paive nekuvandudzwa, bhangi rine kodzero yekuraira kuchinja kushandiswa kwakaitwa.
Zvakakodzera kutora chikwereti here?
Kubatsira kunotora chikwereti kunonyanya kutarisana nehuwandu hwekuda kwehuwandu hwemari. Inofungidzirwa kuti inofanirwa kubhadhara chikwereti, kana mari yacho inoderedzwa, nokuti chido chekubhadhara chinoderedzwawo. Asi mabanki mazhinji anofungisisa nguva dzose, saka chibvumirano chacho chine chimiro chikuru, pamusoro pazvo chikwereti chechikwereti hachikwanisi kubuda. Kana iwe uine ruzivo, bhagheni inogona kubhadhara chikwereti pane kutenderera kwechikwata, asi haisi yevanhu vose mafaro, uye kwete nguva dzose.
Zvimwe zvekubhadhara mari
Zvakanakira zvekutora chikwereti ndechokuti dzimba inogona kuwanikwa pakarepo. Iwe unogonawo kushandisa iyi mafomu ekutsigirwa kwehurumende, akadai sekubhadharwa kwekufarira kune zvikwereti zvemari. Munhu wese ane kodzero yekutora mutero wepfuma, iyo inotsigira mari, uye inopa chikwereti chekufarira. Kamwe kamwe pamwedzi, mutero wemutero kubva kumutero wevatengi unodzorerwa.
Kugamuchira mukana wakadaro, zvakakosha kuzviisa pasi pebasa rekubhadhara gore negore:
- zvinyorwa pamusoro pekodzero yehudzi;
- chiito chokugamuchirwa nekuwedzerwa;
- ruzivo rwekubhadhara chikwereti.
Kukanganiswa kwekwereti
Kubudirira kwechikwereti ichi zvakajeka, asi kunewo kuipa, chinonyanya kukosha ndezvekubhadhara mari yekutora chikwereti. Zvichipa kuti chikwereti chacho chakagadzirwa kwemakore anoverengeka, mari yacho inonyatsooneka. Panewo zvimwe zvakaipa zvakadaro:
- Iwe haugone kutenga kana kutengesa dzimba, nyora dzimwe nhengo dzemhuri.
- Kana pasina mari yekubhadhara, bhagheni rine kodzero yekutengesa imba yekubhadhara mari.
- Zvinorambidzwa kubvarha imba.
Ndezvipi zviri nani - chikwereti kana chikwereti?
Kazhinji vanhu vanozeza: chii chinonyanya kubhadhara chikwereti kana kutenga mari? Mhinduro yacho iri nyore: chikwereti chinonyanya kubatsira kune mutengi, uye chikwereti chiri kubhangi. Mari yechikwereti inokonzera mvumo yekushandiswa kweimba, kana kukanganisa iyo chikwereti ichigona kuputsa kontrakiti uye inoda kubhadhara chikwereti chose. Uye nechikwereti pasina chikwereti zvinokwanisika kutengesa imba uye kubhadhara nemunhu ane chikwereti, hazvibvumirwi kutora nzvimbo. Nokudaro, mhinduro yacho iri pachena, asi chisarudzo chemutengi chinoenderana nezvinhu zvakawanda.
Ndezvipi zviri nani - chikwereti kana chikwereti?
Zvichipa zvinodiwa zvakanyanya zvekubhadhara mari, vatengi vakawanda vanosarudza kwenguva yakareba, vachitya pakati pekutenga chikwereti uye chikwereti. Uye ivo vanowanzosarudza mukufarira zvekupedzisira. Chinhu chikuru ndechokuti uwane guarantors, mari inowanikwa pane imwe yeiyo inofanirwa kunge isina kuderera kupfuura iyo yeiye akakwereta. Ndezvipi zvinobatsira zveimba yekubhadhara mari?
- Imba yacho inopinda.
- Tora imba iyo bhaganisi haigoni.
Chii chaunoda kutora chikwereti?
Kuti uite chikwereti, unofanirwa kugadzirira mapepa anodiwa emagwaro. Iko chikwereti chingadawo mamwe mabhuku ezvinyorwa zvekutengesa, photocopies dze pasports dzemhuri. Co-borrowers uye guarantors vanopawo photocopies yemagwaro. Shure kwezvose, chii chikwereti? Iyi ndiyo chikwereti chenguva refu pabhaibheri. Nokudaro, iwe unofanirwa kugovera chikumbiro chekutenga chikwereti, bhizinesi rebhengi uye nekopikopi:
- passports;
- inshuwaliti yehupfumi yehurumende penishuwarenzi
- code identification;
- teti yehondo yevarume vezera remakore;
- zvinyorwa pamusoro pedzidzo;
- chiremba chechato kana kurambana;
- chizvarwa chezvizvarwa zvevana;
- bhuku rebasa, rinopupurirwa nemushandi;
- zvinyorwa zvemari.
Zvinokwanisika here kubhadhara chikwereti nguva isati yasvika?
Dzimwe nguva vanhu vanotora chikwereti pamusana pemari yakawanda, iyo ichadzorera chikwereti kare. Mabhanji anokubvumira kuti ubhadhara chikwereti pane imwe yenheyo.
- Differentiated. Izvo zviyero zvose zvekufarira uye mukuru-mukuru anotsiviwa muzvikamu zvakaenzana, munguva iyo chibvumirano chiri kushanda. Iyi sarudzo inobatsira zvikuru kune mutengi, sezvo zvose chikwereti uye chikwereti chinoderera pamwe chete.
- Annuity. Kutanga, kufarira kunobhadharwa, uye zvino-chikamu chikuru, mari yekwereti inogona kubhadhara chete mushure mekubhadhara chido. Kufarira kunofungidzirwa kwegore rose rekutengesa.
Kuti udzorere zvekare kare chikwereti, unoda kunyora chikumbiro kune imwe nzvimbo yezvemari kwemazuva makumi matatu. Zvakakosha kuverenga pfungwa pamusoro pemarikiti yemishandisi, sezvo mutengi ane kodzero yekudzorera mari yehushuwarisi, asi isiri kushandiswa. Izvi zvinogona kushanda kune zvose zvikwereti zvikwereti uye zvinhu. Mushure mekugadzirisa zvizere nebhangi unofanira kutora chiremba chekuteerera zvizere nezvisungo.
Nzira yekudzorera sei chikwereti pane chikwereti?
Vanhu vashomanana vanoziva kuti mukana wacho ane mukana wekudzoka kufarira kune chikwereti, kana achishandisa zvakadai kubatsiro se "kutora mutero". Chinhu chikuru ndechokuratidza kuti chinangwa chekutenga chikwereti ndechokutenga imba. Ipapo mubvunzo unotevera kudzoka kwekufarira unogona kugadziriswa nyore nyore. Shandisa mukana uyu unobvumirwa kamwe chete. Muzviitiko zvipi iyo kubatsirwa hakubvumirwi?
- Kana muridzi weimba akazorora.
- Kana dzimba dzakatengwa nemudzimai webhizimisi kwebhizimisi.
- Kana mutengesi nemutengi vari muhukama hwakabatana kana kushanda.
Zvakakosha kuisa zvinyorwa nemutungamiri wemitero, chisarudzo chekudzorera mari yacho inotorwa mukati memwedzi. Chii chinofanira kunge chiri mapepa makuru?
- nyanzvi pamusoro pekodzero yehudzi hwe nzvimbo yekugara;
- chiito chokugamuchira nekuendesa imba;
- chibvumirano chekutengesa;
- chibvumirano chezvikwereti pamusoro pemari;
- makopi emagwaro ekubhadhara, apo kubhadhara kune chikwereti kubhangi.