Chikwereti chekuverenga .

Pashangura mare uye nguva yechikwereti, mari yemubereko uye mhando yekubhadhara.
Muverengi achaverenga mari yekubhadhara, chikwereti uye mutengo wechikwereti.

Vanthu vazhinji vari kushandisa njira dzekukweretesa kuti vatenge zviro zvakakura. Mabhangi nemasangano asiri emabhangi anopa zvikwereti pamamiriro akasiyana siyana. Kana ukatora chikwereti chikuru, semuenzaniso, kutenga ndau yekugara, mota, chikwereti chekuaka mhatso kana kusimudzira bhizinesi rako, zvakakosha kuziya kuti uchakwanisa kubhadhara chikwereti ichi. Kuti uve nechivimbo pakusarudza chirongwa chechikwereti chimwe, tinokurudzira kuti ushandise calculator yedu yechikwereti. Pinda mare yechikwereti, nguwa yekubhadhara chikwereti mumwedzi uye mhinduro yemubereko muminda yakakodzera, uyewo kombidza mhando yekubhadhara - annuity kana yakasiyana, uye unokwanisa kuwana kuti chikamu chekubhadhara chikwereti chinoenda kubhadhara chikwereti, uye chikamu chipi chinoenda kunobhadhara mhinduro yechikwereti, chiyero chechikwereti chako ngemwedzi, mari yakawanda yekubhadhara, zveshe pamwedzi uye kwenguva yese yechikwereti, uye mhinduro chaiyo yechikwereti.

Kusiyana kwekubhadhara .

Ne njira yakasiyana yekubhadhara chikwereti chechikwereti, mari yechikwereti inoparadzaniswa kuva zvikamu zvakaenzana. Aya masheya anoita chikamu chikuru chemari yako yemwedzi wega wega. Zvakasara zvinomiririra mhinduro pane mari isina kubhadharwa yechikwereti. Ngokudaro, mweji ngo mweji mare inobhadharwa inoderera.
nzira iyi kudzorera chikwereti ane zvakaipira.
Chikuru ndechekuti chikwereti nenzira iyi yekubhadhara chikwereti yakaoma kuwana.
Bhangi rinofanira kuverenga mare yakawanda yechikwereti zvichienderana nekuti munhu anokwereta anokwanisa kubhadhara zvikamu zvekutanga ere. Izvi zvinoreva kuti kuti uwane chikwereti chakadaro unofanira kuva nemari yakakwana. Muzvimweni zviitiko, collateral kana kubatana kwevanovimbisa kana vanokwereta pamwepo zvinokona kubetsera.
Chimweni chiro chinoshaisha ngechekuti hafu yekutanga yenguva yekubhadhara inonyanya kunesa kune anokwereta. Kana tiri kubhuya ngechikwereti chikuru, izvi zvinokona kuva mutoro unorema kune unokwereta. Asi munguva yemberi kusabatsira uku kunogona kushanduka kuva zvakanakira. Kuderera kwe mare ne kuderera kwe mare inobhadharwa kunoita kuti mare ibhadharwe iite shomani ne kuremesa.

Kubhadhara kwegore negore

Nge njira ye annuity yekubhadharisa chikwereti, haiwa mare yechikwereti yega inoparadzaniswa kuita zvikamu zvakaenzana, asiwo mhinduro iri pairi kwenguva yese yechikwereti. Ngokudaro, mukweretesi unobhadhara zvikamu zvakaenzana munguwa yeshe yekubhadharisa. Nyamasi uno, njira iyi yo kubhadharisa inoshandiswa ngo mabhanga mazinji o kutengesa. Chiro chikuru chinoshaisha ngekubhadharwa kwegore ngegore ngechekuti mare inobhadharwa zvakanyanya pachikwereti inozova yakakura kudarika nge system yakasiyana. Pamusoro pazvo, njira yekubhadhara gore negore inofunga kuti muhafu yekutanga yenguva yechikwereti unobhadhara zvikurukuru mhinduro yechikwereti. Mutengo mukuru wechikwereti chenguva ino unoramba usina kubatwa.

Gumisa

Kuti weida kutora chikwereti che mare yakawanda asi usikazi kuronga kuchibhadhara nguva isati yakwana, chikwereti chine njira yekubhadhara gore nge gore chinokunakira.
Muzvimweni zviitiko, kunyanya kana zveiuya pakukwereta kwenguva yakareba, zvirinani kusarudza bhangi rinopa zvikwereti zvine mibhadharo yakasiyana.