Zvinyorwa zvisina kudzorerwa nebhangi mushure mekubhadhara kwechikwereti
Kazhinji, unogona kutora chikwereti chemba chekutanga kutenga imba kana imba, kugadzirisa, kuwedzera uye kugadzirisa imba yako yazvino. Mabhangi mazhinji ane mutemo wakasiyana kune avo vari kuenda kunotenga imba yechipiri. Rangarira kubvunza bhangi rako rekutengesa kuti uwane tsananguro chaiyo pazvinhu zviri pamusoro.
Bhangi rako rinoongorora kugona kwako kubhadhara kana uchifunga nezvekukodzera kwechikwereti chemba. Kubhadhara mari kunoenderana nemari yako yaunoraswa/yakawandisa pamwedzi, (zvinobva pazvinhu zvakaita semari yakawandisa/yakawandisa pamwedzi kubvisa mari yemwedzi wega wega) uye zvimwe zvinhu zvakaita semari yemumwe wako, midziyo, zvikwereti, kugadzikana kwemari, nezvimwe. Chinonyanya kunetsa nebhanga ndechekuona kuti iwe unobhadhara chikwereti chacho zvakanaka nenguva uye kuona kushandiswa kwayo kwekupedzisira. Iyo yakakwirira mari inowanikwa pamwedzi, inokwira iyo mari iyo chikwereti chichave chakakodzera. Kazhinji, bhangi rinofungidzira kuti inenge 55-60% yemari yako yepamwedzi inoraswa / yakawedzera inowanikwa kuti ubhadhare chikwereti. Nekudaro, mamwe mabhanga anoverengera mari inoraswa yemubhadharo weEMI zvichienderana nemari yakawandisa yemunhu uye kwete mari yavo inoraswa.
Deposit Agreement Muenzaniso
Chibvumirano chechikwereti chembandi igwaro rinotonga mazwi echikwereti chako chemba, rinotsanangura mazwi akakosha senge "default" uye rinotsanangura chisungo chako chekukwereta. Nguva zhinji, kana uchinge wawana mvumo yekutanga yechikwereti chako chemba, unogona kufunga kusaina gwaro iri sechinhu chinongofanirwa kupedzwa mari isati yaendeswa kuaccount yako. Nekudaro, kana uchinge wasaina chibvumirano chechikwereti chemba, iwe unosungwa nematemu nemamiriro uye uchave nebasa rekugutsa zvese zvinorehwa nezvemari zvinotaurwa mairi. Saka usangotarisa mareti emari yechikwereti cheimba, verenga chibvumirano chose usati wasaina pamitsetse ine madoti.
Mumamiriro ezvinhu akadaro, mukweretesi anogona kuwedzera mubereko wemari kana kushandura chiyero chakatarwa kuenda kuchiyero chakasiyana mumakore mashoma kana nekuda kwemamiriro akasiyana. Saka, kuti udzivise zvinoshamisa mune ramangwana, ita shuwa kuti waverenga zvinyorwa izvi nekungwarira uye ziva apo mitengo yemhindu pachikwereti chako chemba ingangochinja.
Prepayment inoreva kubhadhara chikamu chemari yekutanga yechikwereti chako chembavha pamusoro peEMI yako yenguva dzose. Vamwe vanokweretesa havapi sarudzo yekubhadhara kare, nepo vamwe vanogona kupa zvirango zvekubhadhara kare kana kuve nemamwe mamiriro ekubhadhara kare. Verenga chibvumirano chako chechikwereti cheimba kuti unzwisise kuti ndezvipi zvakasanganisirwa nemukweretesi wako pakubhadhara kare uye kuvharirwa kuitira kuti uve nesarudzo yekuvhara account yako yechikwereti nekukurumidza pane zvawaitarisira kana uine mari yekuita kudaro. Mumwe mukweretesi ane zero prepayment uye foreclosure terms ndiBajaj Finserv, iyo inopa zvikwereti zvemba zvinokosha maRs 5 crore, kana yepamusoro yekukodzera.
Nzira Yekubvisa Chikwereti Chepamba Iri Kuvakwa
Mabhuku ekutanga ezvehupfumi echinyakare anowanzo tora mabhanga sevamiriri vezvemari, vane basa rekubatanidza vanokwereta nevachengeti, kufambisa kudyidzana kwavo nekuita sevamiriri vanovimbika.
Vanhu vanowana mari inodarika zvavanoda pakushandisa ipapo vanogona kuisa mihoro yavo yavasina kushandisa mubhanga rinovimbwa, nokudaro vachigadzira chengetedzo yemari. Bhanga rinobva ratora mari idzodzo kuti dzikweretese kune avo vane mari shoma pane zvavanoda kushandisa ipapo. Verenga kuti uone kuti mabhangi anoshandisa sei madhipoziti ako kuita zvikwereti, uye kusvika papi paanoda mari yako kuita kudaro.
Sezvatsanangurwa pamusoro, kukweretesa kwebhangi kunoganhurwa nehukuru hwemadhipoziti evatengi varo. Kuti rikwanise kukweretesa zvakawanda, bhanga rinofanirwa kukwidza madhipoziti matsva nekukwezva vatengi vakawanda. Pasina dhipoziti, pangadai pasina zvikwereti, kana nemamwe mazwi, madhipoziti anogadzira zvikwereti.
Muchikamu chechikamu chekuchengetedza, chikamu chidiki chete chemari yebhangi chinoda kuchengetwa mumari kana muakaundi yebhangi rebhangi rebhangi kubhanga guru. Hukuru hwechikamu ichi hunotsanangurwa nezvinodiwa zvakachengetwa, iyo inodzokororwa iyo inoratidza kuwanda kwezviwanikwa izvo mabhanga anogona kukweretesa. Kana iyo reshiyo reshiyo iri 10% (kureva 0,1), iyo inowedzeredza iri gumi, izvo zvinoreva kuti mabhanga anogona kukweretesa kagumi kupfuura zvakachengetwa.
Kana iyo emi yechikwereti chemondi inotanga mushure mekubhadhara
Shoko rokuti chibatiso rinoreva pfuma inotambirwa nemukweretesi sechibatiso chechikwereti. Chibatiso chinogona kutora chimiro chezvivakwa kana zvimwe zvinhu, zvichienderana nechinangwa chechikwereti. Chibatiso chinoshanda senzira yekudzivirira kune mukweretesi. Kureva kuti, kana mukwereti akatadza kubhadhara chikwereti, mukweretesi anogona kutora chibatiso chacho ochitengesa kuti adzore zvimwe kana zvose zvaanenge arasikirwa nazvo.
Sezvataurwa pamusoro apa, chibvumirano chinogona kutora nzira dzakawanda. Zvinowanzoenderana nemhando yechikwereti, zvekuti chibatiso chinochengetedzwa nemba, nepo chikwereti chemotokari chinodzivirirwa nemotokari iri mubvunzo. Zvimwe zvikwereti zvisina kutaurwa zvinogona kuchengetedzwa nezvimwe zvinhu. Semuenzaniso, kadhi rechikwereti rakachengetedzwa rinogona kuchengetedzwa nedhipoziti yemari muchiyero chakafanana nechikwereti chechikwereti: $500 pamadhora mazana mashanu echikwereti.
Hunhu hwechibatiso hunowanzofanotemerwa nerudzi rwechikwereti. Paunotora chikwereti, imba yako inova rubatso. Kana iwe ukatora chikwereti chemotokari, motokari ndeye chibvumirano chechikwereti. Mhando dzechibatiso dzinowanzogamuchirwa nevanokweretesa imotokari - chete kana dzakabhadharwa zvakakwana - madhipoziti ekubhengi uye maakaundi ekudyara. Maakaundi ekurega basa haawanzo kugamuchirwa sechibatiso.
