Kunzwisisa zviri nani chikwereti chebhangi

Mune zvemari, chikwereti chebhangi imari yemari iyo munhu wechisikigo kana wepamutemo anokwereta kubva kune mumwe munhu wechisikigo kana wepamutemo, mukutsinhana nekubhadhara kweramangwana remari yose pamwe chete nemubereko unochajwa. Chikwereti chebhangi chinogona kukubvumira tsigira chirongwa chako.

Semunhu anobatsirwa, kana watora chikwereti, iwe zvakare unotora chikwereti nekuva nemhosva yekubhadhara mukuru waakakwereta mukati menguva yakabvumiranwa.

Sei ndichikuudza zvese izvi? zvakanaka, nekuda kwekuti vanhu vakawanda vanogunun’una pamusoro pemari inofanira kubhadharwa pazuva rakakodzera. Asi usati watanga, heino premium yekudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

🎉 Chii chinonzi chikwereti?

Chikwereti ndicho chibvumirano pakati pemukweretesi, kazhinji bhangi kana kiredhiti institution, uye anokwereta. Mukweretesi anoita kuti mukwereti awane chitsama chemari, uyo anobvuma kudzosera mukati menguva yakati.

Kune marudzi akasiyana ezvikwereti zvichienderana nekushandiswa uye nguva yechikwereti. THE mogeji inotsigira kutorwa kwemba kwenguva yakareba, kazhinji pakati pemakore 15 ne25. Mari dzemwedzi nemwedzi dzinogara dziripo mukati menguva yese.

Le yakagadzirira kudyiwa inoshandiswa kutenga yakanaka, midziyo kana sevhisi. Nguva yaro ipfupi, kubva kumwedzi mishoma kusvika kumakore mashoma zvichienderana nehuwandu. Mari yemwedzi nemwedzi inogadziriswa. THE Chikwereti chako inotsigira chirongwa chako pachako kwenguva yakati avhareji yemakore mashanu kusvika gumi. Mari dzepamwedzi dzinogara dziripo.

Pakupedzisira, chikwereti chinotenderera, sekadhi rechikwereti kana mutsara wechikwereti, unobvumira chikwereti chinochinjika mukati memuganhu wakatenderwa. Iko mari shoma yekubhadhara inosiyana mwedzi wega wega. Dzidza zvakawanda nezvezvikwereti zvebhanga….

????Zvinhu zvekufunga nezve chikwereti rwezvemabhengi

Usati wanyorera chikwereti, unofanirwa kuzvibvunza kuti i pfungwa yakanaka kwauri. Kukwereta mari ibasa guru rekutora iwe pachako, uye unofanirwa kuve nechokwadi chekuti uchakwanisa kubhadhara mari yakazara pamwe nemubereko kana chero imwe mari yekubhadhara.

Kana nekuda kwechikonzero chipi nechipi ukatadza kubhadhara chikwereti, unogona kupinza zvirango, izvo zvinosiririsa. Zvirango izvi zvinogona kubva pamari dzemubereko dzepamusoro kusvika pakudzoserwa midziyo yako uye marekodhi emhosva akashata. Muchokwadi, usati wanyorera chero rudzi rwechikwereti, unofanirwa kuongorora mari yako.

Kana iwe uri mushandi, unofanirwa kuendesa yako kubhadhara masiripi uye zvichibvira tsamba yemuhoro kubva kumushandirwi wake. Nekudaro, kana iwe uchizvishandira wega, chaunofanirwa kuita kupa humbowo hwemari yako yemakore maviri apfuura kana anopfuura uye invoice kana zvichibvira.

Kuti udzivise kusvika padanho iri rezvirango, unofanirwa kuve nechokwadi chekuti unokwanisa kudzosera mari inodiwa mwedzi wega wega pazuva chairo uye munguva pfupi yapfuura.

Iwe unofanirwa kuziva kuti dhata rechikwereti chemunhu chikamu chakakosha chekuwana rondedzero yezvemari chaiyo. Chikwereti chakawandisa chinoonekwa pamishumo yako zvechokwadi chinoparadza kukweretwa kwebhizinesi kana munhu kwemakore mashoma.

🎉 Mhando dzezvikwereti zvebhangi

Kune marudzi akawanda ezvikwereti zvebhangi. Mhando yega yega yechikwereti ichava nematemu uye mabhenefiti akasiyana, saka iwe unozofanirwa kuaenzanisa zvakateerana kuti usarudze kuti ndeipi inonyatsokodzera iwe uye zvaunoda.

✔️ zvikwereti zvomunhu 

Kazhinji mabhanga ese anopa zvikwereti zvemunhu kunyangwe zviri zvikwereti zvemunhu anovimbiswa kana kwete. Zvikwereti zvisina kuchengetedzwa zvemunhu zvinoreva kuti hauite chibatiso semba kana mota kana ukatadza kubhadhara chikwereti chako.

Sezvo zvikwereti zvemunhu zvisina kuchengetedzwa zvisingade rubatso, vanokweretesa vanowanzo tarisa kune mishumo yako yechikwereti uye kiredhiti zvibodzwa kuti vabatsire kuona kana iwe uri mumiriri akanaka wechikwereti.

Kazhinji, vanhu vane ratings ye chikwereti chepamusoro vanozokodzera kuwana zvirinani zvechikwereti. Iwe unogona kukodzera kuwana chikwereti chako chisina kuchengetedzwa kunyangwe chikwereti chako chakanaka kana chakaipa. Asi iwe ungangoda kutenga uchitenderedza kuti uve nechokwadi chekuti mubereko uye kubhadhara pamwedzi zvinokwanisika kune yako bhajeti.

Kana, kune rumwe rutivi, ukanyorera chikwereti chako chakachengetedzwa, unozofanira kupa imwe mhando yevimbiso, yakadai semotokari kana chitupa chedhipoziti, kuti “uchengetedze” chikwereti chako. Zvikwereti zvakachengetedzwa zvinowanzouya nemitengo yakaderera pane yezvikwereti zvisina kuchengetedzwa.

Kubatsira kwezvikwereti zvemunhu ndeyekuti iwe unogona kushandisa mari iyo sezvaunoda. Iyi mari yechikwereti chako inogona kushandiswa kuenda kuzororo kana kutenga smartphone nyowani.

✔️ zvikwereti zvevadzidzi

Iyi isarudzo yakanaka yekubatsira vadzidzi. Zvikwereti zvakajairika muchikamu ichi zvine mibairo inonzwisisika. Semudzidzi wenguva yakazara, haufanirwe kudzosera zvikwereti izvi nekukurumidza. Nekudaro, zvakafanana zvinoda kubhadharwa kana wapedza zvidzidzo zvako uye wotanga kushanda.

Kuwanda kwechikwereti kunoenderana nezvinodiwa nemudzidzi, nguva yezvidzidzo zvake uye mikana yake yekudzosera kana angopinda muhupenyu hwekushanda. Mukwereti haafanirwe kururamisa kushandiswa kwayo kwemari yakakweretwa.

Iwo anogona zvakare kushandiswa kupa mari zvidzidzo, kubhadhara mari yemazuva ese (rendi, dhipoziti, chekufambisa, nezvimwewo) uye kupa mari yekutorwa kwezvinhu zvemari.

Mamwe mabhanga anopawo kuburitswa kunofambira mberi, zvichireva kuti mari inogona kuburitswa zvishoma gore rega rega, pachinzvimbo chekuti iwanikwe yese kamwechete. Iyi fomula inonakidza nekuti mari inobhadharwa zvinoenderana nezvinodiwa chaizvo nemudzidzi.

✔️ Mortgages

Une remba chikwereti - inopihwa nemukweretesi wemba kana bhangi - iyo inobvumira munhu kutenga imba kana nzvimbo. Kunyange zvazvo zvichibvira kutora zvikwereti kubhadhara mari yose yemba, zvinowanzoitika kuwana chikwereti vanenge 80% zvekukosha kwemba.

Chikwereti chinofanira kubhadharwa nekufamba kwenguva. Imba yakatengwa inoshanda sechibatiso chemari yakakweretwa kumunhu kutenga imba. Izvi ndizvo zvikwereti zvakakura zvakambowanikwa.

Paunenge uchironga kutenga imba yako yekutanga kana real estate, chikwereti ichi ndiyo sarudzo chaiyo. Mortgages inovimbiswa nesangano rauri kutenga kubva. Tarisa gwara redu re zvese nezve mortgages.

✔️ zvikwereti zvemotokari 

Chikwereti chemotokari hachisi chinhu kunze kwemari yaunokwereta kubva kumabhanga kana masangano emari kuti uzadzise chiroto chako chekutenga mota.

Chikwereti chemotokari chikwereti chevatengi, chinopihwa kumunhu (kana kambani) anoda kutenga mota nyowani kana yakashandiswa. Asina mari inodiwa pakutenga kwakadaro, munhu uyu anoda mari uye anotendeukira kusangano rechikwereti kuti abatsirwe.

Iri bhangi rinobhadhara mutengesi pachinzvimbo chemutengi uye mukutsinhana iyo yekupedzisira inodzosera mari yakafanira mwedzi wega wega nenzira yekubhadhara pamwedzi. Mukudzoka, iwe unobhadhara mari yechikwereti yakatenderwa pane yakatarwa mubereko.

Kubhadhara kwakazara kumutengesi wemotokari kunoitwa nebhangi uye iwe, semutengi, ramba uchibhadhara bhangi pane imwe nguva nemhindu inoshanda uye mubhadharo. Heino chinyorwa icho inotaura kwauri zvakajeka pamusoro pezvikwereti zvemotokari.

✔️ payday zvikwereti

Payday zvikwereti zvikwereti kune kwenguva pfupi uye mari yakakwirira izvo zvinowanzofanirwa kubhadharwa pazuva rako rekubhadhara rinotevera. Nyika dzinotonga vanokweretesa zuva rekubhadhara zvakasiyana, zvichireva kuti mari yako yechikwereti iripo, mari yechikwereti uye nguva yaunofanira kubhadhara inogona kusiyana zvichienderana nekwaunogara. Uye dzimwe nyika dzinorambidza zvikwereti zvekubhadhara zvachose.

Kuti ubhadhare chikwereti, kazhinji unozofanirwa kunyora cheki yemazuva ese kana kubvumidza mukweretesi kuti abvise otomatiki mari yawakwereta, pamwe nechero chimbadzo kana mubhadharo, kubva kuaccount yako yekubhangi. Zvikwereti zvePayday zvine mari yakakwira iyo inogona kuenzana kusvika pagore muzana mitengo inogona kusvika ku400%.

Kuwana chikwereti chezuva rekubhadhara kunogona kubatsira kana iwe uri munzvimbo yakaoma uye usina chero chekuchengetedza kana kuwana nzira dzakachipa dzechikwereti. Ndinokurudzira chinyorwa ichi kuti unzwisise zviri nani izvo zvekubhadhara zvikwereti.

✔️ zvikwereti zvemba

A home equity loan imhando yechikwereti chakachengetedzwa uko imba yako inoshandiswa sechibatiso. Mari yaunogona kukwereta inoenderana nekuenzana kuri mumba mako. Zvinobvawo pamusiyano uripo pakati pekukosha kwemusika wemba yako nemari yaunokwereta pamba pako.

Iwe kazhinji haugone kukwereta zvinodarika 85% zveequity mumba mako. Sezvo uri kushandisa imba yako sechibatiso, mubereko wako une chikwereti chemari yemba ungave wakaderera pane une chikwereti chisina kuchengetedzwa.

Iwe unogona kushandisa chikwereti cheimba yako kune zvinangwa zvakasiyana-siyana, kubva pakuvandudza imba kusvika kumabhiri ekurapa.

✔️ Zvikwereti zvekadhi rechikwereti

Paunenge uchishandisa kadhi rechikwereti, iwe unofanirwa kunzwisisa kuti iwe unozodikanwa kudzosera chero kutenga kwaunoita pakupera kwekubhadharisa kutenderera. Makadhi echikwereti anogamuchirwa kunenge kwese kwese, kunyangwe kana uchifamba kunze kwenyika. Seimwe yedzakanyanya nyore nzira dzekubhadhara mabhiri ako, yave rudzi rwakakurumbira rwechikwereti.

Kuti unyore uye ukwanise kuwana kadhi rechikwereti, chaunofanirwa kuita kuzadza fomu rekunyorera rakapfava rinopihwa neanopa kadhi. Iwe unogona zvakare kusarudza kunyorera kadhi rechikwereti online. Aya makadhi epurasitiki anopa mibayiro mikuru uye mabhenefiti. Ichi ndicho chikwereti chaunofanira kubhadhara nenguva, ndiyo overdraft yebhangi.

Zviripachena, kune misungo ine chekuita nerudzi urwu rwechikwereti. Iwe unofanirwa kunzwisisa kuti kune yakakwira huwandu hwekufarira pamari yaunokwereta pakadhi rako rechikwereti. Kana ukasabhadhara mabhiri ako nenguva, mubereko ucharamba uchiwedzera. Unogona kuwana zvakaoma kubata mari yako nekuwedzera kwesara yasara.

Asi kana ukashandisa kadhi rechikwereti noungwaru uye ukabvisa zvikwereti zvako zvose nenguva, zvinogona kuzviratidza kushamwari yako yepamwoyo muhomwe yako. Ndinokukoka iwe kuti uverenge chinyorwa ichi kuti uzive nzira yekudzikisa mari yebhangi.

✔️ Zvikwereti zvebhizinesi diki

Zvikwereti zvebhizinesi diki zvikwereti zvinopihwa kumabhizinesi madiki uye epakati kuti asangane neakasiyana bhizinesi zvinodiwa. Izvi zvikwereti zvinogona kushandiswa kune zvakasiyana zvinangwa zvinobatsira mukukura kwebhizinesi.

Zvimwe zvacho zvinogona kusanganisira kutengwa kwemidziyo, kutengwa kwezvinhu, kubhadhara mihoro yevashandi, mari yekushambadzira, nezvimwe.

Maitiro ekukodzera zvikwereti zvebhizinesi diki anosiyana kubva kune mukweretesi kuenda kune mukweretesi. Zvinonyanya kuzivikanwa izera remuridzi webhizinesi, huwandu hwemakore bhizinesi rave mubhizinesi, mutero wekudzoka, uye chirevo chekutengesa kwegore rapfuura icho chakasimbiswa neChartered Accountant (CA).

✔️ zvikwereti zvekuvandudza imba

Vazhinji vanokweretesa vanopa zvikwereti zvekuvandudza imba. Izvi zvinogona kushandiswa kubhadhara mari ine chekuita nekugadziridza, kugadzirisa kana kuvandudzwa kwenzvimbo yekugara iripo.

Zvichienderana nemukweretesi, pane zvakawanda zvinoshanduka mune zvaunogona kuita nechikwereti chekuvandudza imba. Unogona kuishandisa kutenga zvigadzirwa kana kubhadhara masevhisi.

Semuyenzaniso, unogona kuishandisa kubhadhara masevhisi emugadziri, mugadziri kana mugadziri wemukati. Iwe unogona zvakare kuishandisa kutenga fenicha, midziyo yemumba senge firiji, nezvimwe. Inogonawo kushandiswa kugadzira, kuveza kana basa rekugadzira.

✔️ Zvikwereti zvekurima

Zvikwereti zvekurima zvikwereti zvinopihwa kuvarimi kuti vabhadhare mari dzavanoda zuva nezuva kana kurima. Zvikwereti izvi zvinogona kuva zvenguva pfupi kana kwenguva refu. Inogona kushandiswa kuwedzera mari yekushanda yezvirimwa kana kutenga zvekurima.

✔️ Zvikwereti zvemotokari dzine mavhiri maviri

Motokari ine mavhiri maviri yakakosha munyika yanhasi. Kunyangwe rwendo rurefu kana mugwagwa wakabatikana muguta - mabhasikoro uye scooters zvinokubatsira kuti ufambe nyore.

Chikwereti chemotokari ine mavhiri maviri chiri nyore kunyorera. Mari iyi yaunokwereta pasi pemhando yechikwereti iyi inobatsira kutenga mota ine mavhiri maviri. Asi kana ukasabhadhara mari yacho nenguva uye wobvisa chikwereti chako, inshurensi ichatora mavhiri maviri ako kuti adzore mari yechikwereti.

✔️ zvikwereti zvegoridhe

Chikwereti chegoridhe chinogona kushandiswa kukwidza mari, kusangana nechimbichimbi kana zvinotarisirwa zvemari zvinodiwa. Inogona kubatsira mukuwedzera kwebhizinesi, dzidzo, emergency emergency, mari yekurima, nezvimwe.

Chikwereti chegoridhe chikwereti chakachengetedzwa apo goridhe rinoiswa sechibatiso chemari yechikwereti inoenderana nemutengo wayo wemusika pazuva rakapikirwa goridhe.

✔️ Zvikwereti zvevatengi zvinogara zviripo

Consumer durable loans zvikwereti zvinoshandiswa kupa mari kutengwa kwezvinhu zvinogara kwenguva refu zvakadai semagetsi emagetsi nemidziyo yemumba. Zvichienderana nemukweretesi, anogona kushandiswa kutenga chero chinhu kubva panharembozha kusvika kumaterevhizheni.

✔️ Mutual fund uye stock loans

Vamwe vanokweretesa vanoita zvikwereti zvinopesana nekukosha kwemutual fund yako uye kukosha kwemari yako. Nekudaro, haugone kukwereta mari hombe pasi pemhando iyi yezvikwereti.

🎉Chikwereti chenguva pfupi

Chikwereti chenguva pfupi, chinonziwo kiredhiti chenguva pfupi, chinoreva chikwereti chinotorwa pamusoro pemakore maviri. Zvikwereti zvenguva pfupi zvinowanzozivikanwa ndezvi:

🎯 Chikwereti chevatengi

Zvinoita kuti zvikwanise kupa mari yekutenga chinhu chemutengi (mota, midziyo yemumba, fenicha, nezvimwewo) kana masevhisi, kwenguva yakawanda pakati pemwedzi mitanhatu nemakore maviri. Mari yacho zviuru zvishoma zveeuro.

🎯 Chikwereti chinotenderera

Ichengetedzo yemari, muchimiro chekadhi rechikwereti kana mutsara wechikwereti, iyo inogona kushandiswa nyore nyore mukati memuganhu wesirin'i. Nguva yayo inowanzo 2 makore anogona kudzokororwa.

🎯 Bank overdraft

Inguva pfupi, kubva pamazuva mashoma kusvika kumwedzi mishoma, yesara yeakaundi yebhangi yakatenderwa nebhangi.

Zvikwereti zvenguva pfupi saka zvinoshandiswa kubhadhara zvinodikanwa zvenguva pfupi asi zvenguva pfupi, pasina kuzvipira kwenguva refu. Mari dzemhindu dzakakwirisa kutsiva kwenguva pfupi.

🎯 Zvakanakira uye kuipa kwechikwereti chenguva pfupi

✅ Kubatsira	❌ Kukanganisa
✔️ Nguva pfupi yakagadziridzwa kune zvinodiwa ipapo (6 kusvika 24 mwedzi)	✔️ Mutengo wepamusoro une mibairo yakakwira (kazhinji inodarika 5%)
✔️ Mari inowanikwa kubva kumazana mashoma kusvika kuzviuru zvishoma zveeuro	✔️ Inokurumidza uye inosunga kubhadhara kwemakore mashoma
✔️ Yakawanikwa nekukurumidza mumazuva mashoma	✔️ Njodzi yekudzokororazve uye chikwereti chinotenderera
✔️ Mamiriro ezvinhu anowanzo kushanduka kupfuura kwenguva refu	✔️ Haina kukodzera kubhadharira mapurojekiti akakosha ehupenyu (pekugara huru, nezvimwewo)
✔️ Yakanakira mhinduro yenguva pfupi kana iri kukurumidza kudiwa mari	✔️ Haisi mupiro wega kune mamwe makiredhiti (real estate, nezvimwewo)
✔️ Inokutendera kuti ubate nechiitiko chisingafanoonekwi kana kudonha kwemari	✔️ Kutengesazve chivakwa hazvigoneke usati wadzoserwa zvizere

Chido chenguva pfupi chiri mukukurumidza kuwanikwa. Asi mutengo wakakwira uye njodzi dzakabatana dzinoda kungwarira.

🎉 Chikwereti chenguva refu

Zvikwereti zvenguva refu mhando dzezvikwereti zvine nguva refu yekubhadhara, kazhinji anopfuura makore mashanu. Vanoshandiswa kazhinji mapurojekiti makuru zvakadai sekutenga imba, kutenga motokari kana kupa mari purojekiti yebhizimisi.

Imwe yezvakanakira zvikwereti zvenguva refu ndezvekuti kubhadhara pamwedzi kunogona kuderera, nokuti nguva yechikwereti ndeye refu. Izvi zvinogona kunyanya kubatsira pakushandisa kukuru kunoda mari yakawanda.

Mukuwedzera, mibairo yezvikwereti zvenguva refu zvikwereti inogona kugadziriswa kana kuchinja. Fixed interest rates inovimbisa kuti mubereko haushanduke pamusoro penguva yechikwereti, zvichipa kugadzikana kwemari kune vanokwereta.

Zvisinei, zvikwereti zvenguva refu zvinewo zvipingamupinyi. Kutanga kwazvose, mari yemubereko inogona kunge yakakwira pamusoro pehupenyu hwechikwereti, zvinoreva kuti iwe uchabhadhara mari yakawanda pachikwereti.

🎯 Zvakanakira uye zvakaipira zvechikwereti chenguva refu

Heino imwe yakadzama vhezheni yetafura yekufananidza yezvakanakira uye zvazvakaipira zvezvikwereti zvenguva refu:

✅ Kubatsira	❌ Kukanganisa
✔️ Yakakosha nguva yekubhadhara ye5 kusvika 25 makore, kusvika kumakore makumi matatu ezvivakwa	✔️ Kusunga kuzvipira kubhadhara kwemakore mazhinji
✔️ Mari yakakwiriras kubva kumakumi mashoma kusvika kune akati wandei ezviuru zvezviuru zvemaeuro	✔️ Mamiriro ezvinhu anowanzo kuomarara kupfuura kwenguva pfupi
✔️ Yakaderera mubereko pane yenguva pfupi kiredhiti, inenge 2%	✔️ Yakareba nguva yekutungamira, kubva 1 kusvika 6 mwedzi
✔️ Inokodzera kupa mari mapurojekiti makuru: pekugara, zvidzidzo ...	✔️ Mutengo wese pamwe nekuwedzera mubereko pamusoro petemu yese
✔️ Inopa mupiro wega kune mamwe makiredhiti, kunyanya real estate	✔️ Yakaoma uye inodhura prepayment
✔️ Inokutendera kuti uchengetedze uye udzore iyo inobhadharwa pfuma	✔️ Ngozi yechikwereti chinorema uye chakaoma kutakura
✔️ Kufambisa kufambisa kweiyo yakagadzirwa nhaka	✔️ Resale hazvigoneke usati wadzoserwa zvizere

Kubatsira kwenguva refu kuri mukati huwandu hwakawanda uye mitengo yakaderera. Asi chikwereti chinoguma chinoda kungwarira.

🎉 Nguva yekufarira imwe kana imwe?

Zvikwereti zvenguva pfupi zvinowanzofarirwa kune zvikwereti zvenguva refu mune mamwe mamiriro.

Somuenzaniso, kana iwe uchida mari yekukurumidza yemutengo usingatarisirwi kana uine chokwadi chekuti unokwanisa kubhadhara chikwereti munguva pfupi, chikwereti chenguva pfupi chingave chakakodzera.

Pamusoro pezvo, zvikwereti zvenguva pfupi zvinowanzo shandiswa pamari idiki. Muzviitiko izvi, chikwereti chenguva refu chingave chisina kwete kupembedzwa nekuti mari yemubereko pamusoro pehupenyu hwechikwereti inogona kuva yakakwirira kudarika mari yekubhadhara pachayo.

Chekupedzisira, zvikwereti zvenguva pfupi zvingave zvakakodzera kune vanhu vane nhoroondo dzisina kusimba dzechikwereti kana kusakwanisa kubhadhara. Vanokweretesa vanogona kuwanda achida kubvumidza chikwereti zvenguva pfupi nekuti hazvina njodzi pane zvikwereti zvenguva refu.

Zvinotarisirwa	Nguva yedare	Nguva refu
chinguva	2 nevaTire  Zvikwereti munguva pfupi	5 kune makore 25  Kusvikira kumakore makumi matatu ekubhadhara chikwereti
Mari	Mazana mashoma kusvika kuzviuru zveEuro Inovhara zvinodiwa zvishoma	Makumi ezviuru kusvika kumamiriyoni akati wandei € Mari mapurojekiti makuru
Chibereko	Mitengo yakakwirira, kazhinji > 5%  Mutengo mukuru wechikwereti	mitengo yakaderera, kubva pa2 kusvika ku5%  Mutengo wechikwereti pamwe nezvirimo
Usage	Zvido zvenguva pfupi Kuyerera kweCash, contingencies…	Mapurojekiti akakosha Kugara kukuru, zvidzidzo…
Mamiriro ekuwana	Flexible granting conditions Inosvikika	Mamiriro ekupa akasimba Magarandi anodiwa
Nguva dzekutungamira	Mazuva mashoma Kupindura nekukurumidza	Mwedzi 1-6  Folder yakaoma kuisa
Prepayment	Kushanda kuri nyore Zvinogoneka nemuripo	Kushanda kwakaoma uye kunodhura Zvirango zvinodzikisira

Iyi tafura yakanyatsotsanangurwa inoita kuti zvive nyore kunzwisisa nuances pakati penguva pfupi uye yakareba kwenguva refu kune yega yega chiyero.

🎉 Mhedziso

Mukupedzisa, chinyorwa ichi chakadzamisa manzwisisiro edu ezvikwereti zvebhanga uye kukosha kwayo mukuita mapurojekiti emunhu uye nehunyanzvi. Takaongorora matanho akasiyana ehurongwa hwekunyorera chikwereti, kubva pakugadzirira fomu rakasimba kusvika pakutaurirana nebhangi.

Takasimbisawo kukosha kwekupa hurongwa hwebhizimisi hunomanikidzira, kuongorora masangano emari akakodzera, uye kugadzirira misangano nevamiriri vebhanga. Pamusoro pezvo, takagadzirisa nyaya yedzimwe nzira kana ukanyimwa chikwereti, tichikurudzira vaverengi kuti vaongorore dzimwe sarudzo dziripo dzemari.

Izvo zvakakosha kuti unzwisise kuti kuwana chikwereti chebhangi kunogona kuve kwakaoma uye kunoda maitiro, asi nekutevera akanakisa maitiro uye kunyatsogadzirira, zvinokwanisika kuwedzera mikana yako yekubudirira.

🎉FAQ

Chii chinonzi chikwereti chenguva pfupi?

Chikwereti chenguva pfupi imhando yechikwereti chinofanirwa kubhadharwa munguva pfupi, isingasviki makore mashanu.

Chii chinonzi chikwereti chenguva refu?

Chikwereti chenguva refu imhando yechikwereti chine nguva refu yekubhadhara, inodarika makore mashanu.

Ndeupi musiyano uripo pakati pezvikwereti zvenguva pfupi uye zvenguva refu?

Misiyano mikuru pakati pezvikwereti zvenguva pfupi uye zvenguva refu inguva yekubhadhara uye mitengo yemubereko.

Zvikwereti zvenguva pfupi zvine nguva refu yekubhadhara mibairo mipfupi uye yakaderera. Zvikwereti zvenguva refu zvine nguva yekubhadhara mibairo yakareba uye yakakwirira.

Ndirini pandinofanira kusarudza chikwereti chenguva pfupi?

Zvikwereti zvenguva pfupi zvinowanzova zvakanakira mari diki. Inogonawo kuve yakakodzera kune vanhu vane nhoroondo dzisina kusimba dzechikwereti.

Ndirini pandinofanira kusarudza chikwereti chenguva refu?

Zvikwereti zvenguva refu zvinowanzofarirwa mapurojekiti makuru akadai sekutenga imba kana kupa mari purojekiti yebhizinesi.

Vanogonawo kupa mubhadharo wepamwedzi wakaderera asi vaine mubereko wakakwira pamusoro pehupenyu hwechikwereti.