Chikamu chepuraimari uye chechipiri uye brokers, zvitupa zvemutero wemari yemunhu, Refinancing - Maitiro ekuita magwaro asingaperi uye ita zvakanaka? Isu tinopa nhanho-nhanho-nhanho mirairo.
Maitiro ekutenga imba mune imwe imba:
Maitiro ekuwana kamuri
Maitiro ekusarudza bhangi
Maitiro Ekuwana Kubvumirana Kwekutanga
Maitiro Ekusarudza Broker
Maitiro ekugumisa chiitiko chekugamuchira
Kune avo vavanopa mongororo
Mitemo yekupa chikwereti
Kana iwe waneta nekugara nevabereki vako, unoronga kuberekwa kwemwana kana kutamira kune rimwe guta - chivakwa chitsva chiri kuda. Tsvaga capital chaiyo "pano uye ikozvino" ichabatsira chikwereti chenguva refu chekutenga pekugara. Maitiro ekutenga imba mune imwe imba uye kwete kupenga? Isu tinonzwisisa.
Nhanho 1: Tsvaga imba
Kana iwe uchida zvivakwa - iwe unosarudza yakakodzera sarudzo, yekutanga. Panyaya yechikwereti, iwe unofanirwa kutanga nesarudzo yemusika weimba, iri pedyo newe - yekutanga kana yechipiri.Misika yekutanga yeimba
Mutengo wekutenga unobatsira pano pane chivakwa chiri muchivako chiri kuvakwa, izvo zvinonzi kugovera chikamu. Zvivakwa izvi zvine yakaderera mutengo pamamita, kunyangwe nemamiriro ekuti mukweretesi anowedzera chiyero chevakati wandei muzana. Inonyanya kukosha minus, nekuda kwekuti vazhinji vevatengi vanobatwa - izvo zvisingazivikanwe. Zviri pachena kuti pane mazwi chaiwo ekutumira akarairwa muchirongwa uye muchibvumirano. Asi mugadziri anogona kuenda kubhuroka, uye chirongwa ichi chichavhurika kwemakore akati wandei kusvika kambani nyowani ichatengwa.
Iwe unogona kuzvidzivirira kubva pane zviitiko zvakadaro kana iwe ukatenga imba muchivako chitsva chakavakwa. Mutemo waakaenzana unoshanda nemazvo uye njodzi dzaisatengwa nedzimba dzemumwe munhu nhasi. Iyo minus yakadai chiitiko ndechekuti sarudzo dziri muImba dzakapedzwa rinoramba riri zvishoma - kudzikunura zvakanyanya panguva yekuvaka. Semutemo, panguva yekuzvitakura kweimba, yekutanga uye yekupedzisira pasi uye zvakati wandei zvakati wandei. Imwe nuance - nguva ichangobva kununurwa, mutengo wemamita anowedzera kusvika 20-30%.
Chinhu chiri pamusika wekutanga mutambo webhuku uye chete mushure mekunyorera. Uye izvi zvinogoneka chete mumasangano aya anobatana nekambani yekuvandudza uye anotarisira imba yawakasarudza.
Sekondari misika
Maitiro ekutora chikwereti pane imwe furati mumusika wechipiri? Heano iwo mitemo yavo. Kutanga iwe unofanirwa kuwana mari, mushure mekunge yatove kutanga kusarudza. Kana zvangoitwa, iwe unofanirwa kubata iyo bhangi zvakare kubvumira chinhu. Iyo isina kujairika uye iyo huru mukana - iwe unogona kupinda uye kurarama pakarepo mushure mekutenga. Iyo bhonasi iwe unozogamuchira iyo yakagadzirirwa-yakagadzirirwa nzvimbo yenzvimbo ine zvitoro, zvikoro, magadheni evana nemakiriniki.
Asi mumusika wechipiri pane mikana yakawanda yekutarisana nescammers. Iyo pfuma yakatove nemuridzi uye inogona kunge iri imwe mitoro, ndeipi muridzi anofara achazongwarira nekuparadzanisa nemari. Pasinei nekuedzwa kwenyanzvi, zvakakodzera kubvunza mutengesi nezve kugara zvakanaka zviri pamutemo kwechinhu, kungave nechikwereti chechinomana, kunyangwe dzimba hadzina kusungwa, uye babamunini vababamunhu vanodzidziswa, vachishandira mhedziso. Kumutengesi wehana, mhinduro yega yega ichava nechitupa, kusimbisa mazwi.
Nhanho yechipiri: Sarudza bhangi
Izvo hazvina kuoma zvakanyanya nhanho. Izvo zvakakosha kuti uongorore kunyatsoongorora mukana mashoma mashoma, enzanisa paramita, wobva wasarudza.Chiyero chehunyanzvi
Chimwe chezviratidzo zvekutanga kuti vateerere. Zviripachena, iyo yakadzika mwero mwero, iyo yakawanda inobatsira mamiriro uye kushoma kubhadhara pamwedzi. Nhasi, dzinenge dzese masangano kupa zvikwereti kwenguva refu, chiyero chinenge zvakafanana. Kudyidzana kwakawanda kunobatsira kunogona kupa kune inokosha rusaruro mutero wemari yemari kana dhipozeri.
Zvakakosha zvinopa
Iyo inonakidza yekuchengetedza uye inobatsira inogumisa chibvumirano nekushandisa zvirongwa zvakakosha zviri mubhengi rimwe nerimwe - kumhuri dzemujaya, mauto, vadzidzisi, uye zvichingodaro. Usati waunganidza pepa uye ubate nyanzvi, dzidza rondedzero iyi uye uzive kuti iwe unogona kutora imba muchirongwa chekumira pane imwe purogiramu.
Zvekuwedzera mari
Mukutoro kune chikwereti chakakumbirwa, sekutonga, mari inoverengeka yekuwedzera iri kuuya kamwechete: Inishuwarenzi, Commission yepepa, kubhadhara kweakaundi, pamwe nekuongororwa. Kana iwe uchida kuchengetedza, iwe unogona kuramba inishuwarenzi uye appraiser masevhisi.Deferre uye Refinancing
Mamiriro ezvinhu anogona kushandira nenzira yakadaro kuti mari yechikwereti ichava inbox. Izvo zvinodikanwa kubvunza vashandi vebhangi nezve kunonoka kwekunonoka kana kuendesa mari kune sangano ravanopa mari yakaderera.
Shandisa capital capital
Iko kubatanidzwa kwemakurukota capital kazhinji inobatsira zvakanaka kana uchitenga. Kana iwe uchida kushandisa iyi sarudzo, zvinokosha kuti vamwe vanokweretesa vanoenda kune vanobvuma, vanowedzera mitengo, uye yechitatu uye zvachose kurambidza kushandiswa kwehupenyu husina kunaka kusvikira mwana ava namakore matatu.Cookers uye rubatso
Pane kumwe kunotenderwa kuratidza kwete chete mukadzi chete mumarahwe, asi zvakare dzimwe hama dzepedyo, semuenzaniso, vabereki. Uye zvakare, zvinodikanwa kujekesa padanho rekutengeserana, izvo zvichakurukurwa sechibvumirano kana iwe usingakwanise kudzorera chikwereti.
Nhanho 3: Tora kutenderwa kwekutanga
Vane ruzivo vanokwereta vanokurudzira kutumira chirevo kamwe chete mumabhangi akati wandei kuti arege kumirira mhinduro, uye zvakare kukwanisa kuenzanisa mamiriro ezvinhu apo mukweretesi akagadzirira kupa huwandu.Rondedzero yekutanga yezvinyorwa
Saka, chii chinodiwa kuti chikwereti kune imba mufurati mumapoka mazhinji eRussia? Rondedzero huru yezvinyorwa, inopedzwa ne Photocopy, yakawandisa, asi kazhinji vese vari pedyo.
- Mapasipoti evose vatori vechikamu mukutengeserana.
- Pension Setifiketi.
- Inn.
- Varume tikiti rehondo.
- Vakaroora vemhuri - Chitupa chewanano.
- Gwaro rekuzvarwa kwemwana.
Rubatsiro Kubva kubasa
- Kopi yekodhi yebasa, ine chikanganiso chakasimbiswa nemushandirwi. Zvinofanira kuratidza kuti iye anenge achikumbira achiri kushanda musangano. Basa rinoshanda kwemazuva makumi matatu, saka tora nekukurumidza paunenge uchiendesa chirevo;
- Batsirai 2DFL kana muchimiro chebhangi, dzimwe nguva gwaro remari yemunhu mune yemahara fomu inobvumidzwa. Zvakare yakakodzera mwedzi chete.
Mamwe magwaro
- Reference pakunyoresa kukero yakatarwa (inoshanda mazuva makumi matatu).
- Zvitupa zvichisimbisa kuwanikwa kwehunhu kana zvivakwa.
- Inobvisa ichisimbisa kuwanikwa kwemari yemubhadharo wekutanga.
- Zvakabatana zvibvumirano kana chitupa chekushayikwa kwezvikwereti.
- Risiti inosimbisa kusavapo kwechikwereti kweanobatsira masevhisi.
- Zvitupa kubva zvinodhaka uye psychonelogical dipeners.
Nhanho 4: Sarudza Broker
Iwe unogona kutanga mapepa nenzira dzakasiyana. Mumwe munhu anofarira kubhadhara ivo venyaya uye gadzirira nhanho-nhanho-nhanho yekuguma kwekutengeserana, mumwe munhu anotendeukira kubazi akakodzera mubhangi, vamwe vamwe vachifarira kuunganidza mareferensi akazvimirira uye shandisa.
Kana iwe uchida kuwana rubatsiro mukuita chibvumirano, tsvaga kuti yakawanda sei kuongororwa kwefurati kwemari, kunyorera rutsigiro mukugadzirwa kwechibvumirano - kwauri kune broker. Nekudaro, usati wasayina chibvumirano naye, nyatsoongorora runyorwa rwemasevhisi anopihwa nesangano. Inofanira kusanganisira:
- Tsvaga sarudzo yakakodzera;
- Roti Ongororo;
- Kunyoreswa kweinishuwarenzi;
- Kuchengetedza kwekutengeserana.
Sezvo mutemo, broker masevhisi anobhadharwa chero mune yakatarwa mari, kana sepesenti yechikwereti yakapihwa (anenge 1-5% uye chete mune yekubvumidzwa kweshanduko).
Zvinoita here kuita magwaro pasina realtor?
Kazhinji mamaneja ekunyatsotarisa sarudzo yekubudiswa. Pamusoro pekuchena kwepfuma pachayo, data pane kuzivikanwa kwemutengesi anounganidzwa, kurwadza kunotemwa. Naizvozvo, rubatsiro rwevamiririri pano kazhinji hazvidikanwe. Kana iwe uine nguva uye kugona kwekuzvimiririra kuunganidza iyo yakakosha package - iwe unogona kuchengetedza huwandu hwemari.
Nhanho 5: Sign chiitiko chekugamuchira uye kuendesa
Pangosvika chinhu chacho chiri kugadzirira uye pepa rakakodzera richawanikwa, izvo zvinonzi zvinorema zvirevo zvinopihwa kune vese varidzi. Iyi fomu umo iwe unofanirwa kuita kuti vese vatarise vanofanira kubviswa nemuratisi. Iyo yekuvandudza inofanirwa kuraira mazwi ekupedzisira ayo anopindawo muchiitiko.Zvaunoda kutarisa usati wasaina mapepa
Zviri nani kana, kana uchiongorora zvivakwa uye kusaina chiitiko chekugamuchira uye kutapurirana, muvaki achave aripo kana imwe nyanzvi, yakatarisana nemaitiro akadaro. Izvo zvichabatsira kunyatso tarisa zvese nuances.
Izvo zvinowanzoitika zvirevo zvinodaidzira windows. Kashoma apo anogadzira anoisa mhando yepamusoro-mhando. Zvakanakisa, ivo havafanirwe kunge vachipfuura, iyo yekukandirwa haifanirwe kuumbwa, uye mapuranga anofanirwa kuvhurwa uye akavharirwa nenzira kwayo uye asina Creak.
Pamusoro peWindows, iyo privi inoyambira kuti utarise:
- kuvapo kwekushandiswa kwemvura mubhavhu;
- kukwirira pane iyo pombi uye pamwe chete neyakaenzana nezvinowanzogamuchirwa zviyero zvinowanikwa;
- kubatana uye seams nemhinduro yakakosha;
- Dyisa switch uye zvigadziko;
- kusimba kwepombi;
- Kuvapo kwechisimbiso pamamita.
Ive neshuwa kuyera nzvimbo yeramangwana rako kumba - Muchiitiko icho chisingaenderane nezvakataurwa, mugadziri anofanirwa kubhadhara mubairo. Kuremara kwese kwakarongeka mune chirevo, uyezve zvakasainwa neanogamuchira - uye mune izvi kubviswa kwehana yekushomeka ichave iri muhana yemuchengeti, kana kuramba isina siginecha - sekutonga, zvinowedzera kushingaira kune kuvandudza.
Kuramba kugamuchira chinhu
Kazhinji, hurema hwese hunogona kukamurwa kuita zvikamu zviviri: zvakakomba kana zvidiki. Kuti uone nyore - zvakakomba zvikanganiso zvinoita kuti imba isina hutange kuvapo, neyechipiri imwe inogona kupedzwa - izvi zvidiki zvidiki, zvimedu zvinogona kubviswa zviri nyore nekwavo.
Muchiitiko chekutanga, saina chiito uye chivakwa hachina kukosha. Izvo zvinodikanwa kumirira kusvikira vavaki vabudiswa uye vapedza. Muchiitiko chekugamuchira uye kutapurirana, zvikonzero zvese zvinoratidzwa, mushure meizvo zvinoendeswa kune contractor. Kana iwe wawana zvimwe zvidiki zvirema, iwe unogona kuisa siginecha mune chirevo, ive shuwa kuratidza nguva yekuurayiwa kwebasa.
Kune avo vavanopa mbopa kune furati
Saka, ndiani - iye akakwana mumiriri wevakweretesi?Zera
Kukwana kana iwe uchibva pamakore makumi maviri nemasere kusvika makumi mana. Ndokunge, panguva yekubhadhara chikwereti, munhu haafanire kuve mukuru pane makore makumi matanhatu nemashanu. Izvi ndizvo zvinotungamirirwa nekuverenga huwandu hwakapihwa uye nguva yemakore gumi zvichabvumidzwa nemakore makumi matatu ekupedzisira, uye kwemakore makumi maviri - chete ane makore makumi mana nemashanu ekukumbira uye mudiki.
Muhoro
Tora chikwereti pakateedzerwa kubheja uye pane mamwe mamiriro akanaka anobatsira muhoro wakanyanya chena. Nekudaro, zvinodikanwa kutsanangura huwandu chaihwo, nekuti bhangi rinotarisa huwandu hwemari munyika mune iyo nzvimbo mune iyo iyo inonyorera iri kubatikana. Zvakare ovesestimated manhamba anogona kuve hwaro hwekutadza.Mubhadharo wekutanga
Iyo shoma huwandu hweiyo yekutanga mupiro ndeyechikamu chegumi muzana yehuwandu hwese. Nehurombo, uyu mubhadharo unosungirwa nhasi, imba iri muchikwereti isina mupiro wekutanga hauna kupihwa. Kana iwe wagadzirira kubhadhara 30% uye nezvimwe, unogona kupa zvakanyanya kubheja kwakanaka.
Mitemo yekupa chikwereti
Muzana pachiyero
Iye zvino mabhangi anopa zvikwereti kubva kune bidhi kubva ku9 kusvika 17% pagore. Iyo huwandu hwekufarira zvinoenderana nemwero wemubhadharo, uye kubva munhoroondo yezvikwereti, uye pane iyo yekutanga mupiro uye nguva yakazara iyo chikwereti chinopihwa.Nguva yekubhadhara
Rongedza renguva pfupi - kubva pamakumi mashanu kusvika makumi matatu emakore. Semutemo, kubvumidza chikumbiro, vanokweretesa vanoita kuti zviitike kutanga. Zvadaro, kusarudzwa kweanokwereta kunogona kupfupisa mubhadharo wemwedzi kana huwandu hwemakore kuti huwandu hwacho hwakapihwa.
Kuroora
Mutengi anodiwa kwazvo ezvikoro zvechikwereti anenge akaroora. Mumwe wevakaroorana anoita sewe mukuru anokwereta, yechipiri - seyakaenzana kana gara. Kana munhu wechipiri haadi kutora chikamu mukutengeserana, ipapo vashandi mune kodzero yekuda kunyoreswa kwechibvumirano chemuchato nemafomu ekubhadhara mune chiitiko chekurambana. Womumwe wechipiri mune ino kesi haana kodzero yekuchengetedza zvivakwa, kunyangwe kana zvirongwa zvekugovera mari yekubhadhara chikwereti kana kugadziriswa mune yakawanikwa estate.Inishuwarenzi
Pasina inishuwarenzi, iwe zvakare panjodzi kuwana kuramba. Semutemo, vakweretesi vakada kukumbirwa kuronga Inishuwarenzi yehupenyu kana zvivakwa, mukuwedzera, mukweretesi ane kodzero yekukurudzira kambani iyo inodiwa kuti isimbise.
Chikwereti izwi rinorwadzisa zvinotyisa kumhuri zhinji. Asi zvakafanira kunzwisisa nyaya iyi uye kutenga imba mune imwe imba haicharatidzika kunge iri dumba rinotyisa kudaro - handizvo here?
