MoneyView: Misiyano yakakura pakati penguva pfupi uye inoenderera yekumisa inishuwarenzi maprimiyamu
Chinhu chekupedzisira chaunoda kudzima zororo rako rawakawana zvakaomarara. Zvakadaro pane zvikonzero zvakawanda nei zororo risingakwanisi kuenderera mberi. Uye izvi zvinenge nguva dzose zvikonzero zvinotsamwisa zvakakwana mavari, sehurwere, kufa kwenhengo yemhuri kana kudzingwa basa. Zvinosiririsa zvakapetwa kaviri kutakura ndyiko dzezororo risingazombofadzwi.
Kuti udzivise kukanganisa kwemari kana ukakanzurwa, unogona kuwedzera inishuwarenzi yako yekufambisa nekukanzura kuvharwa. Nevhavha iyi yekudzima, mari yekudzima inodzoserwa uye mari yekufambisa yezororo inodzoserwa. Zvechokwadi, panofanira kuva nechikonzero chakavharidzirwa chekuregererwa.
MoneyView, tsvagiridzo yakazvimirira uye benchmark Institute yevanopa masevhisi emari, yakaongorora mubhadharo weyakajairwa kudzima chivharo chevapi makumi maviri nevanomwe veinishuwarenzi yekufamba inoenderera uye gumi nevatanhatu vanopa inishuwarenzi yenguva pfupi yekufamba.
Tsvagiridzo iyi inoratidza kuti maprimiyamu einishuwarenzi yekufamba ane chivharo chekukanzura anosiyana zvakanyanya. Haisi chete mutsauko pakati pevanopa wakakura, mutsauko uripo pakati peiyo premium yenguva pfupi uye inoenderera yekudzima inishuwarenzi kubva kune mumwe chete mupi unoshamisa zvakare. Nemainshurensi akati wandei, chivharo chenguva pfupi chekumisa chinodhura zvakapetwa kaviri pane chinoramba chiripo. Izvo zvinoshamisa nekuti pane inoenderera kukanzura inishuwarenzi inogona kutorwa gore rose uye musiyano wenguva pfupi unoshanda kuzororo rimwe chete.
Tarisa kuti ndezvipi zvikonzero zvekukanzura zvakavharwa
Misiyano yemubhadharo inogona kutsanangurwa pamwe nekusiyana kwemari yeinishuwarenzi. Neinishuwarenzi imwe chete pane inokwana € 3.000 parwendo, nepo neimwe inshurensi iyi i6.000. Huyero pakati pehuwandu hweinishuwarenzi uye premium zvakare chimwe chinhu chekunyatso tarisisa kana uchitora kunze kwekudzima chivharo.
Mukuwedzera, zvakakosha kuti utarise mberi kuti zvikonzero zvipi zvekukanzura zviri inishuwarenzi. Somuenzaniso, rufu rwehama yekutanga kana yechipiri-dhigirii nguva dzose yakavharwa, asi kudzingwa hakusi muzviitiko zvose. Izvi hazvishandure chokwadi chekuti dzimwe nguva panogona kunge paine misiyano mikuru yeprimiyamu ine chivharo chakafanana, kunyanya nemusiyano wenguva pfupi.
Usakanganwe kugara wakatarira nguva mukati meiyi yekudzima chivharo chinofanira kubviswa. Kazhinji aya mazuva manomwe kana gumi nemana. Kana nguva iyi ikapfuudzwa, chivharo chekukanzura hachichakwanisi kutorwa nemamwe mainishuwarenzi, kana kudzima kunobviswa nekuda kwemamiriro aripo kana kurwara kwemunhu ane inishuwarenzi kana nhengo yemhuri.
Pane misiyano mikuru mumari yeinishuwarenzi ine inshuwarisi inoenderera mberi. Muchiitiko chekukanzurwa kwakavharwa, hapana chimwe chichadzorerwa kupfuura mari chaiyo yekudzima. Iko kunogara kune huwandu hwepamusoro pamunhu (parwendo) uye kazhinji zvakare huwandu hwepamusoro pamutemo (pagore). Semuenzaniso, kana paine huwandu hwe1.500 euros pamunhu parwendo, saka iyi inokwana € 4.500 yevanhu vatatu. Nomuzvarirwo, zvakawanda hazvimbofi zvakabhadharwa kunze kwekukuvara chaiko kana huwandu hweinishuwarenzi.
Kubatsira kwekusiyana kwenguva pfupi isarudzo yekutsanangura huwandu hwerwendo sehuwandu hweinishuwarenzi, kuitira kuti iwe ugone kubhadharwa zvizere kana ukanzurwa.
MuBelgium, vanhu vane kadhi rechikwereti regoridhe vanongoerekana vadzima inishuwarenzi mukondirakiti yavo, inosvika € 5000 pazororo. KuArgenta unongobhadhara €40 pagore pamwe nezvimwe zvakawanda zvakanaka, semuenzaniso kutenga kwese kunoitwa nekadhi, 1 gore rekuwedzera waranti, nezvimwe. Saka hapana inishuwarenzi yekuwedzera inodhura inodiwa.
Sezvineiwo, takave nezviitiko zvakanaka chete neinishuwarenzi yedu yekufamba. Imari yakati, asi kana yakakwira, unogona kuwana imwe inishuwarenzi. Munguva ichangopfuura takatozokanzura nekuda kwerufu, asi takanga tine sarudzo yechipiri yekumisa rwendo, mari yese yakabhadharwa uye saka kambani yaive nemari shoma. kurasikirwa.
Ingochengeta zvese uye iwe uchabhadharwa nekukurumidza. Mazuvano icho chitsva, vanoenda kugiredhi rechitatu.
Vanhu vazhinji vanofunga kuti ne (nyika) inishuwarenzi yekufambisa ivo vakangotora inishuwarenzi yekudzima, asi izvo hazvina kumboitika. Kana uchizotora inishuwarenzi yekukanzura, ita shuwa kuti kana ukabhuka rwendo wakazvimiririra (pamhepo), senge matikiti, mahotera, nezvimwe, vane inishuwarenzi yekukanzurwa. Mainishuwarenzi mazhinji anongodzosera nzendo dzepasuru! Saka rwendo rwakanyatsorongwa. Mainishuwarenzi mazhinji atova (nekuziva?) shady munzvimbo ino.