Isoko ryibanze nayisumbuye, Abanditsi na Brokers, ibyemezo byumusoro ku nyungu z'umuntu ku giti cyabo, gutera inkunga - uburyo bwo guhangana nibyangombwa nubushobozi budashira kandi bizirikana bikora amasezerano? Dutanga intambwe ya-intambwe.
Nigute wagura inzu mu nguzanyo:
Nigute ushobora kubona icyumba
Nigute wahitamo banki
Nigute ushobora kubona ibyemezo byibanze
Nigute wahitamo broker
Uburyo bwo Guhura nigikorwa cyo kwakira
Uwo batanga inguzanyo
Amabwiriza yo gutanga inguzanyo
Niba urambiwe kubana nababyeyi bawe, urateganya kuvuka k'umwana cyangwa kwimukira mu wundi mujyi - umutungo mushya urakenewe. Shakisha igishoro cyiza "hano none" bizafasha inguzanyo ndende kugirango uguze amazu. Nigute wagura inzu mu nguzanyo kandi ntukasaze? Turabyumva.
Intambwe ya 1: Shakisha inzu
Niba ukeneye imitungo itimukanwa - uhitamo uburyo bukwiye, elementary. Kubireba inguzanyo, ugomba gutangira guhitamo isoko ryamazu, rikubyegereye - abanza cyangwa ayisumbuye.Isoko ryibanze
Igiciro cyunguka cyane hano ni imitungo itimukanwa mu nyubako irimo kubakwa, yiswe uruhare runini. Ibi bikoresho bifite igiciro gito kuri metero, nubwo uwatanze inguzanyo azongera igipimo kubashakanye babiri. Ibisanzwe byinshi, kuko benshi mubaguzi bashutswe - itazwi. Biragaragara ko hariho ingingo nyayo yo gutanga iteganijwe muri gahunda kandi mumasezerano. Ariko intebe irashobora guhomba, kandi umushinga uzahagarika imyaka itari mike kugeza isosiyete nshya izagurwa.
Urashobora kwikingira ibintu nkibi niba ugura amazu mu nyubako nshya yubatswe. Amategeko agenga uburinganire bukorwa neza kandi ibyago ntabwo byaguzwe n'amazu y'umuntu muri iki gihe. Kugabanya amasezerano nuko amahitamo yo munzu arangiye akomeza kuba - gucungura cyane kurwego rwo kubaka. Nk'itegeko, igihe cyo kubyara inzu, amagorofa ya mbere n'iya nyuma hamwe na odnnches nyinshi. Undi munyamuryango - inzu imaze gutangwa, ikiguzi cya metero byiyongera kuri 20-30%.
Ikintu ku isoko ryibanze ryibitabo byambere hanyuma nyuma yibyo bikurikizwa. Kandi ibi birashoboka gusa muri ayo mashyirahamwe afatanya na sosiyete yabateza imbere no kugenzura inzu wahisemo.
Isoko rya kabiri
Nigute ushobora gufata inguzanyo ku nzu iri ku isoko rya kabiri? Dore amategeko yabo. Ubwa mbere ukeneye kubona amafaranga, nyuma ya nyuma yo guhitamo. Bimaze gukorwa, ugomba kongera kuvugana na banki kugirango wemeze ikintu. Idasubirwaho Plus ninshuro nyamukuru - urashobora kwinjirira hanyuma ukaba uhita ugura. Amwos uzakira ibikorwa remezo biteguye byakozwe by'akarere hamwe n'amaduka, amashuri, ubusitani bwabana n'amavuriro.
Ariko mu isoko rya kabiri hari amahirwe menshi yo guhura nabashuka. Umutungo umaze kugira nyirubwite kandi ushobora kuba imitwaro, aho nyir'ubwite azamenya gusa mugutandukana namafaranga. Nubwo impuguke z'impuguke, ni ngombwa kubaza ugurisha neza ubuzima bwemewe n'amategeko, yaba hari ideni ry komini, haba umuturo utafashwe, kandi ushinzwe guhanagura, kurangiza umwanzuro. Mu ugurisha umutimanama, igisubizo cyose kizagira icyemezo, gishimangira amagambo.
Intambwe ya 2: Hitamo banki
Ntabwo bigoye cyane. Ni ngombwa gusuzuma neza byibuze interuro nke, gereranya ibipimo, hanyuma uhitemo.Igipimo cy'inyungu
Kimwe mu bipimo byambere kugirango twiteho. Biragaragara, inyungu ntoya, imiterere yunguka hamwe nubwishyu buke buri kwezi. Uyu munsi, imiryango hafi ya yose itanga inguzanyo zigihe kirekire, igipimo ni kimwe. Ubufatanye bwinshi burashobora gutanga ibiciro byihariye byimibare kubakoresha imishahara cyangwa ababitsa.
Ibyifuzo bidasanzwe
Nukwiyubashye kuzigama kandi byunguka hamwe byagiranye amasezerano ukoresheje gahunda zidasanzwe ziri muri buri banki - ku miryango ikiri nto, igisirikare, abarimu, nibindi. Mbere yo gushushanya impapuro hanyuma uhamagare inzobere, wige uru rutonde kandi umenye niba ushobora gufata inzu mu nguzanyo kuri gahunda ibanziriza gahunda.
Amafaranga yinyongera
Mu umutwaro ku yasabye inguzanyo, nk'itegeko, amafaranga menshi y'inyongera iraje icyarimwe: ubwishingizi, Komisiyo kuko impapuro, kwishyura konti, ndetse n'isuzuma. Niba ushaka kuzigama, urashobora kwanga ubwishingizi na serivisi zisuzuma.Gusebanya no gutera inkunga
Ibintu birashobora gukora kuburyo amafaranga yimyenda azaba inbox. Nibyiza kubaza abakozi ba banki kubyerekeye gutinda cyangwa kohereza amafaranga kumuryango aho gutanga inyungu nto.
Koresha umurwa mukuru w'ababyeyi
Umugereka wumurwa mukuru w'ababyeyi akenshi ufasha cyane mugihe ugura. Niba ushaka gukoresha ubu buryo, birakwiye ko abatanga inguzanyo bamwe bajya ku bushake, abandi bongera igipimo, naho icya gatatu kandi na gato kubuza gukoresha amafaranga yihariye kugeza umwana afite imyaka 3.Guteka no kurahira
Ahantu hose wemerewe kwerekana uwo bashakanye gusa mubatoza, ariko nanone bene wabo ba hafi, urugero, ababyeyi. Byongeye kandi, birakenewe gusobanura kurwego rwibikorwa, bizafatwa nkingwate niba udashobora kwishyura umwenda.
Intambwe ya 3: Shaka ibyemezo byibanze
Inararibonye ziboneye zirasaba gutanga inyandiko icyarimwe mumabanki menshi kugirango utagabanye umwanya mugihe utegereje igisubizo, kandi ushoboye kugereranya ibisabwa niteguye gutanga amafaranga.Urutonde rwibanze rwinyandiko
None, ni iki gikenewe cyo gutanga inguzanyo ku nzu muri banki nyinshi z'Uburusiya? Urutonde nyamukuru rwa BIT, rwuzuzwa na fotokopi, ni yagutse rwose, ariko mubisanzwe bose bari hafi.
- Passeport yabatabiriye bose mubikorwa.
- Icyemezo cya pansiyo.
- Inn.
- Abagabo ni itike ya gisirikare.
- Abashakanye mu muryango - Icyemezo cy'Ubukwe.
- Inyandiko y'amavuko y'umwana.
Ubufasha ku kazi
- Kopi yinyandiko yakazi, hamwe nicapiro ryemejwe numukoresha. Bikwiye kwerekana ko usaba agikora mumuryango. Imirimo ifite agaciro muminsi 30, ifate rero ukimara gutanga itangazo;
- Fasha 2DFL cyangwa muburyo bwa banki, nanone rimwe na rimwe icyemezo cyinjiza umuntu ku giti cye muburyo bwubusa bwemewe. Ingirakamaro ukwezi gusa.
Inyandiko z'inyongera
- Reba kwiyandikisha kuri aderesi yagenwe (yemewe iminsi 30).
- Impamyabumenyi yemeza kuboneka indangagaciro cyangwa umutungo utimukanwa.
- Ibisohoka byemeza kuboneka amafaranga kumafaranga yambere.
- Amasezerano ajyanye cyangwa icyemezo cyo kubura imyenda.
- Inyemezabwishyu zemeza ko idafite umwenda serivisi zingirakamaro.
- Impamyabumenyi ziva mubiyobyabwenge nibitekerezo bya psychoneurologiologiya.
Intambwe ya 4: Hitamo Broker
Urashobora gutangira impapuro muburyo butandukanye. Umuntu ahitamo kwishyura abahanga kandi yitegure kumvikana ku mabwiriza yo gusoza ibikorwa, umuntu ahindukirira ishami rikwiye muri banki, mu gihe abandi bahitamo guteranya ibikenewe bigenga kandi bagasaba.
Niba ushaka kubona ubufasha mugukora amasezerano, menya uburyo isuzuma ryinzu yinguzanyo, ryifashishije inkunga mugushushanya amasezerano - kuri wewe kuri broker. Ariko, mbere yo kumusinyana nawe, suzuma witonze urutonde rwa serivisi umuryango utanga. Igomba kubamo:
- Shakisha uburyo bukwiye;
- Isuzuma rya Loti;
- Kwiyandikisha Ubwishingizi;
- Kubungabunga ibikorwa.
Nk'itegeko, serivisi z'abacuruza bishyurwa haba mu mubare wagenwe, cyangwa nk'ijanisha ry'inguzanyo zatanzwe (hafi 1-5% kandi gusa mubyemerwa na porogaramu).
Birashoboka gukora inyandiko nta kimenyetso?
Mubisanzwe abayobozi bagenzura neza uburyo butangwa. Usibye ubuziranenge bwumutungo ubwabwo, amakuru yerekeye umwirondoro wugurisha arakusanyijwe, imitwaro igenwa. Kubwibyo, ubufasha bwabakozi hano muri rusange ntabwo ari ngombwa. Niba ufite umwanya nubushobozi bwo guteranya ibyigenga byinyandiko zikenewe - urashobora kubika amafaranga meza.
Intambwe ya 5: Shyira umukono ku gikorwa cyo kwakira no kwimura
Iyo ikintu giki cyiteguye kandi impapuro zikwiye ziraboneka, yiswe amagambo adafite inenge ahabwa ba nyirubwite bose. Iyi fomu ugomba gukora ibihano byose bigomba kuvaho na rwiyemezamirimo. Iteze imbere igomba gufata amasezerano yanyuma nayo yinjiye mubikorwa.Icyo ukeneye kugenzura mbere yo gusinya impapuro
Nibyiza niba, mugihe ugenzura imitungo itimukanwa no gusinya igikorwa cyo kwemerwa no kwanduza, umwubatsi azaba ahari cyangwa izindi mpuguke, ihura nuburyo nkubwo. Bizafasha kugenzura witonze ibintu byose.
Ibisabwa cyane bisaba guhamagara Windows. Ni gake iyo abaterana bashyiramo moderi nziza. Byaba byiza, ntibagomba gushingwa, guhuza ntibigomba gushingwa, kandi amakadiri agomba gufungurwa no gufungwa neza kandi nta Creak.
Usibye Windows, Ibyiza birasabwa kugenzura:
- kuba hari amazi yo mu bwiherero;
- uburebure buri muyoboro no guhura kwayo hamwe nibipimo byemewe muri rusange biherereye;
- Gutunganya hamwe no kurwara hamwe n'umuti udasanzwe;
- Kugaburira n'amasanduku;
- gukomera ku miyoboro;
- Kuba hari kashe kuri metero.
Witondere gupima agace kazaza murugo - mugihe kidahuye nuwagenwe, uwatezimbere agomba kwishyura igihano. Inenge zose zishyizwe mu magambo, hanyuma igashyirwaho umukono na wemewe - kandi muriki gihe gukuraho umutimanama bizaba umutimanama, cyangwa kuguma nta mukonomana - nk'ubutegetsi, byongera ishyaka kuri umushinga.
Kwanga kwakira ikintu
Muri rusange, inenge zose zirashobora kugabanywamo ibice bibiri: bikomeye cyangwa bito. Kugirango umenye byoroshye - Inenge zikomeye zituma inzu idakwiye kubaho, hamwe nuwa kabiri wundi urashobora kurangira - ibi ni ibishushanyo bito, ibice bishobora kuvamo ubwabo.
Mu rubanza rwa mbere, shyira umukono ku itegeko n'umutungo ntibikwiye. Birakenewe gutegereza kugeza abubatsi bakomoka kandi barangije. Mu gikorwa cyo kwakira no kwanduza, impamvu zose zerekanwa, nyuma yoherezwa muri rwiyemezamirimo. Niba wasanze inenge ntoya, urashobora gushyira umukono mumagambo, menya neza kwerekana igihe cyo kurangiza akazi.
Uwo batanga inguzanyo ku nzu
None, ni nde - umukandida utunganye ku babereguritse?Imyaka
Biratangaje niba ukomoka kuva kumyaka 21 kugeza kuri 45. Ni ukuvuga, mugihe cyo kwishyura umwenda, umuntu ntigikwiye kurenga imyaka 65. Iki nicyo kiyobowe no kubara amafaranga yatanzwe nigihe - inguzanyo yimyaka 10 izemezwa numuturage utarengeje imyaka 50, kandi imyaka 20 usaba imyaka 45 gusa.
Umushahara
Shaka inguzanyo kurigabanutse neza no kubintu byiza bizafasha umushahara wera. Ariko, ni ngombwa kwerekana imibare nyayo, kubera ko banki igenzura imibare yinjiza mu gihugu mu rutonde aho usaba ahuze. Umubare munini cyane urashobora kuba ishingiro ryo gutsindwa.Amafaranga yambere
Umubare ntarengwa wintererano yambere ni hafi 10% byamafaranga yose. Kubwamahirwe, ubwo bwishyu ni itegeko muri iki gihe, inzu mu nguzanyo nta musanzu wambere udatanzwe. Niba witeguye kwishyura 30% nibindi, urashobora gutanga ibyiza byiza.
Amabwiriza yo gutanga inguzanyo
Ijanisha ku gipimo
Noneho amabanki atanga inguzanyo mu isoko kuva kuri 9 kugeza 17% kuri buri mwaka. Umubare w'inyungu biterwa n'urwego rw'umushahara, no ku mateka y'inguzanyo, kandi ku rungano rw'intererano ya mbere nigihe cyose inguzanyo itangwa.Igihe cyo kwishyura
Urwego rwigihe - kuva kumyaka 5 kugeza 30. Nkibisanzwe, kwemeza gusaba, abatanga inguzanyo batuma bishoboka kwishyura hakiri kare. Noneho, guhitamo uwagurijwe birashobora kugabanya ubwishyu buri kwezi cyangwa umubare wimyaka yatanzwe.
Ubukwe
Umukiriya ukunda cyane ninzego zinguzanyo ni abashakanye. Umwe mu bashakanye akora nk'uwagurijwe, uwa kabiri - nk'igice cyangwa ingwate. Niba uwo mwashakanye ya kabiri adashaka kwitabira ibikorwa, noneho abakozi bafite uburenganzira bwo gusaba kwandikisha amasezerano yubukwe nuburyo bwo kwishyura nyirubwite mugihe habaye ubutane. Uwo mwashakanye wa kabiri muri uru rubanza nta burenganzira afite ku mutungo utimukanwa, kabone niyo gahunda yo gutanga amafaranga yo kwishyura umwenda cyangwa gusana imitungo itimukanwa.Ubwishingizi
Hatabayeho ubwishingizi, nawe ufite ibyago byo kwanga. Nk'itegeko, abahawe inguzanyo byanze bikunze basabwe gutegura ubwishingizi bw'ubuzima cyangwa umutungo utimukanwa, hiyongereyeho, uwatanze inguzanyo afite uburenganzira bwo gusaba isosiyete aho ari ngombwa kwishingira.
Inguzanyo nijambo ribabaza imiryango myinshi. Ariko birakwiye gusobanukirwa iki kibazo no kugura inzu mu nguzanyo ntikisa nkicyumba giteye ubwoba - sibyo?
