Kune rumwe rutivi, vanhu vanowanzotenda kuti pavanoisa gwaro rekudarika, vacharasikirwa nezvose. Icho, chokwadi, hachisi chokwadi. Verenga zvakawanda pamusoro pemabhadharo ekubvisa .
Izvo zvinodavirawo zvakare kuti kuisa chikwereti chekubhadhara kunoreva kuti chikwereti chavo chose chinoputika, uye kuti vanogona kuchengetedza motokari dzavo, dzimba nedzimwe nzvimbo dzakashanda sechisungo pasina kubhadhara chikwereti.
Izvi, zvakadaro, hazvisi zvechokwadi.
Muchikamu chino chezvinyorwa, tiri kutaura nezvekuti sei uye zvikwereti zvipi zvinobudiswa mumutambo wechiringaridzo. Muchikamu chino, tinotarisa pane chikwereti chakachengetwa: chikwereti icho chaunoshandisa mari yaunotora chikwereti icho chikwereti chingatora uye kutengesa kana iwe ukakundikana kubhadhara chikwereti chako sekubvumirana.
Mune Mhindu: Zvibvumirano zviviri
Chikwereti chakachengetedzwa zvirokwazvo chinosanganisira zvibvumirano zviviri zvakasiyana: chivimbiso chinyorwa uye chibvumirano chekuchengetedza.
Yechikutanga , iyo yevimbiso yemashoko , ine mazwi ekukweretesa. Mariri munowana mari yemari yemari yauchazobhadhara mari, inowedzera mari, mari yekutora, chiyero chekufarira, chikwereti chekubhadhara, urefu hwechikwereti, kubhadhara mazuva, maitirwo aanofanira kuitwa, zvigaro zvekuwedzera mari, mari yose inobhadharwa pamusoro pehupenyu hwechikwereti nemamwe mashoko akawanda pamusoro pekuti unotarisirwa kubhadhara sei mari yawakakwereta.
Chibvumirano chekuchengetedza chibvumirano chakasiyana, kunyange chingave chakabatanidzwa mumagwaro akafanana sevimbiso yemashoko.
Chibvumirano chekuchengetedza chinopa mukwereti chikwereti muimba yawakabhadhara. Chinhu chacho chinova chikwereti kune chikwereti. Iko chikwereti anobvumirana kuisa mutengo wekutenga wechinhu chacho. Unobvumirana kuti kana iwe ukakundikana kubhadhara maererano nemitemo yezvinyorwa zvinyorwa, uyo anokweretesa ane kodzero yekubata pfuma yacho (repossess kana foreclose), kuidhinha (kutengesa iyo) uye kushandisa mari yekutengeswa kumari iwe uchiripo owe chikwereti.
Chii chinoitika kune chikwereti chakachengetwa mumusangano wekushungurudza?
Mune chikwereti chekudarika, mutoro uri pasi peshoko rekupikira - chidimbu chokuti iwe unobhadhara chikwereti kumashure - chiri pasi pekubudiswa. Saka, kana iwe usingaiti chinhu chekuchinja mhinduro, chivimbiso chawakaita kuti ubhadhe mari iyo ichadzorerwa apo iwe uchagamuchira General Discharge yako.
Inonzwika zvikuru, zvakarurama? Ndizvo zvauri kutsvaga muChitsauko 7 - rubatsiro kubva pakubhadhara zvinyorwa zvinorema.
Asi, pane mukana. Chibvumirano chekuchengetedza hachina kubviswa. Iko chikwereti ichiri nechido muimba yacho uye kodzero yekudzoka zvakare kana kutarisa pane imwe nzvimbo kana iwe usingabhadhari. Vamwe vanhu vanogona kuzvitsvaga nemari yakabhadharwa uye hapana chavanofanira kubhadhara, asi vachiri kubatisisa pazvibvumirano.
Zvichida hazvizogoni kubhadhara kwenguva refu, zvakadaro. Ndizvo nokuti mukwereti anenge achitsvaga nguva dzose kuti nzvimbo yacho ibhadhara chikamu chikamu chezvaunokwereta.
Muchengetedzi haazofaniriwo kumirira kusvikira kuguma kweChitsauko 7 chekutanga kutanga izvozvo. Paunoisa Chitsauko 7 nyaya, imwe yemabhuku akaiswa mumapepa anonzi Statement of Intention . MuNhoroondo yeChingano, iwe unonyora zvose zvekutora zvikwereti zvako, uye iwe unotaura kana iwe uchida kuchengetedza dzimba kana kuipa iyo kune chikwereti.
Kana iwe usingadi kuichengeta imba, iwe unofanirwa kuiita kuti iwanikwe kune chikwereti chakachengetedzeka pashure kwemazuva makumi mashanu mushure memusangano wako wevakwereta. Kana usina kupa iyo pfuma panguva iyoyo, uyo ane chikwereti akachengetedza anogona kutanga kutengesa kana kudzorera kunze kwekuda kuwana mvumo kubva kumatare ekudarika.
Kusimbisa kana Kuti Kununura?
MuChitsauko 7, une zvimwe zviviri zvingasarudzwa zvakataurwa mumutsetse webhengi: kubhadhara pfuma uye kugadzirisa zvakare chinyorwa.
Ruregerero inobatsira zvikuru kana iwe uine chikwereti chinopfuura chinenge chakanaka. Iyo inoshandiswa inongova yega yega pfuma semotokari kana midziyo. Iko inokubvumira iwe kubhadhara kukosha kwechivako kune chikwereti, kazhinji mumutengo wemari. Izvozvo zvichagutsa zvose zvinyorwa zvinyorwa uye chibvumirano chekuchengeteka. Kuti zviite izvi, vamwe vanokwereta vanogadzirisa nzvimbo kuburikidza nevamwe vanokweretesa, semakambani anonyanya kubatsira vatengesi kudzikinura pfuma.
Nokuti vanokweretesa vakawanda havakwanisi kusimudza mari yekudzikinura imba kana kuti havadi kubhadhara mari yepamusoro yekodzero yekodzero yekuregererwa kwekambani inobhadhara, vazhinji vanokwereta vachasarudza kutsigira chikwereti chavava nacho kare. Rutsigiro rwekuita inzira inotora chikwereti kunze kwekudarika. Kusununguka hakuzoshandi kune chikwereti chakasimbiswa, uye uyo ane chikwereti anoramba ari mutoro kune anokweretesa pane zvose zvinokurudzira uye chibvumirano chekuchengetedza kusvikira chikwereti ichibhadharwa.
Vanokwereta vanogona kungosimbisa chete zvikwereti kana vachikwanise kutenga mari. Kazhinji yenguva, purogiramu yekubhadharisa mari, kusanganisira urongwa hwemari uye mari, icharatidza kuti pane nzvimbo mubhajheji yekubhadhara. Kana pasina, zvingave zvakafanira kuva nekutongwa pamberi pemutongi webhangi asati agamuchirwa chibvumirano chechibvumirano.
Dzvanya pano kuti udzidze zvakawanda nezvekudzikinura chikwereti .
Dzvanya pano kuti udzidze zvakawanda nezvekusimbisa zvakare yemari nemari yemari .
Kuti uwane mamwe mashoko:
Kuti udzidze zvakawanda pamusoro pemarikiti inogona uye isingagoni kubudiswa mumhosva yebhengi, iva nechokwadi chekushanyira mapeji aya:
Kuedza kusunungurwa kwevanhu vose uye kubudiswa kwezvikwereti
Zvikwereti zvevadzidzi (nezvimwe zvisiri)
Kubvisa zvikwereti zvemotokari, zvikwereti zvemusha, uye imwe chikwereti chakachengetwa
Kuzosimbisa uye zvimwe zvakasununguka pakubudiswa