Zvikwereti muGermany

Zvikwereti muGermany: Zvakanaka kuziva

Zvikwereti muGermany zvibvumirano kwaunowana mari izvozvi wozoidzorera gare gare, ingave nekufamba kwenguva kana mumari. Kuti ubhadhare iyo institution kana munhu anopa mari, iwe unowanzo dzorera kupfuura yaunogamuchira. Muripo uyu kazhinji une mubereko nemimwe muripo nekufamba kwenguva.

Zvichitaurwa zviri nyore, zvikwereti zvinokutendera kuti ushandise mari yaunoda ikozvino uye kudzorera mune ramangwana.

Musiyano pakati pechikwereti chekadhi rechikwereti uye chikwereti chebhangi

Kazhinji, vanhu havazivi musiyano pakati pezvikwereti zvekadhi rechikwereti uye zvikwereti zvebhangi - chikwereti chaunowana kubva kubhangi nekusaina chibvumirano. Zvose zvikwereti zvakafanana uye zvose zvinoshanda kukwereta mari yakagamuchirwa nebhangi.

Musiyano ndewekuti nemakadhi echikwereti, mari inobviswa kubva kuaccount yako. Izvi zvinoreva kuti kazhinji iwe unopinda mune yakatsvuka kuaccount yako yakatenderwa nebhangi rako, asi kana iri yechikwereti, kureva kuti, debit, yaunotora kubva kubhangi, unowana mari muaccount yako uye. , zvichienderana nechinangwa, unogona kuita chero chaunoda nacho - iwe unoda.

Kazhinji, zvikwereti muGermany kubva kubhangi isarudzo iri nani kana iwe uchida mari yakawanda nekuda kweiyo yakaderera mubereko pane kiredhiti kiredhiti kiredhiti, nekuti kiredhiti kiredhiti kiredhiti kuGermany mune dzakawanda zviitiko zvine yakakwira mubereko, ndiko kuti, iwe unofanirwa kubhadhara. dzosera mari yakawanda kana ukakwereta mari.

Zvikwereti zvinoshanda sei muGermany

Paunenge uchida mari, unokumbira bhangi kana chero mukweretesi kuti akupe mari. Kuti uite izvi, iwe unowanzo kuendesa chikumbiro kana "kunyorera" chikwereti, uye mukweretesi kana bhangi anosarudza kana kwete kubvumidza chikumbiro chako. Vanokweretesa kana bhangi vanoita sarudzo zvichienderana neyako chikwereti (SCHUFA) - ongororo yako yekuti uchabhadhara chikwereti here kana kuti kwete. 

Zvikwereti kuGermany, kana kukweretwa kwako, zvinoenderana nezvakati wandei, uye zvinhu zviviri zvakakosha inhoroondo yako yechikwereti uye mari yauinayo yekubhadhara chikwereti. 

Maitiro ekutora chikwereti kune vashandi muGermany

Pane nzira dzinoverengeka dzekukwidza chikwereti chevashandi muGermany. Tichataura maviri anonyanya kufarirwa:

1. Kuenda kuhofisi
2. Online chikwereti chikumbiro

Kuenda kuhofisi

Mabhangi emunharaunda inzvimbo dzekutanga vanhu vazhinji vanofunga nezvadzo pavanofunga nezvekutora chikwereti kuGermany. Hongu, uku kufunga kwakajairwa nekuti kana uchitova mutengi webhangi, unoziva basa ravo uye zvinopa kuchengeteka mumusoro wemunhu. Mushure mezvose, ndeye mari.

Kana ukanyorera ipapo, ungangosangana kumeso nemukuru wechikwereti, ruzivo rwunove rwemunhu, uye mukuru anogona kukufambisa zviri nyore kuburikidza nekuita kwekunyorera. Kuenzaniswa nedzimwe sarudzo, mabhanga anowanzo kuve nepamusoro kiredhiti qualifications kana mamiriro echikwereti. Nekudaro, kana uchinge watove mutengi, bhangi rinogona kukupfupisa mapepa paunenge uchitora chikwereti kuGermany. 

Nekudaro, iyi inzira yakapusa, mubereko mubhangi rako remunharaunda unowanzo kukwira zvakanyanya. Isu tinokukurudzira kuti ushanyire mamwe mabhanga uye utarise izvo zvavanokupa iwe kuti utore iyo yakakunakira iwe. Kuenda kumabhangi akawanda kunonetesa uye kunotora nguva yakawanda yakakosha, uye tinogona kukurudzira sarudzo iri nani. Izvi zvinotisvitsa kune yechipiri mukana wekutora chikwereti kuGermany, inova online application yechikwereti. 

Online application yechikwereti kuGermany

Kana iwe uchinetseka kuti wowana sei chikwereti kuGermany, zvikwereti zvepamhepo isarudzo kwauri. Iyi ndiyo imwe nzira yakakurumbira yekuwana chikwereti muGermany. Nhasi, unogona kuwana chero chinhu online, kusanganisira kutenga imba, kutenga mota, kutanga bhizinesi, uye kunyange kutora chikwereti online.

Zvikwereti zvepaIndaneti inokutendera kuti upedze iyo nzira yekunyorera chikwereti pamhepo, kubva mukunyaradza kwemba yako, kubva pakuenzanisa mitengo kusvika pakunyorera uye kugamuchira mari. Iwe unogona kazhinji kuwana chikwereti chako uye kutonga account yako usingaendi kubazi rebhangi. Zvimwe zvikwereti zvepamhepo muGermany zvinogona kubvumidzwa nekukurumidza zvekuti zvinotora nguva shoma kuti uwane chikwereti chepamhepo pane zvinotora kutyaira uchienda kubazi rebhangi.

Sezvakaita chero chigadzirwa chemari, iwe unofanirwa kuita tsvakiridzo yako pakambani yaunoshanda nayo uye uve nechokwadi chekuti chikwereti chako chakakukodzera.

Ndedzipi mhando dzezvikwereti dzatinadzo kuGermany?

Tine marudzi akati wandei ezvikwereti muGermany, uye tichanyora mamwe acho:

• Zvikwereti zvepachivande kana zvikwereti zvekushandisa mahara;
• Zvikwereti zvemotokari;
• Zvikwereti zvekuvaka kana kutenga zvivakwa;
• Zvikwereti zvekugadzirisa zvakare;
• Bhizinesi chikwereti.

Chikwereti chakazvimiririra muGermany kana chikwereti chekushandisa mahara

Chikwereti chakazvimiririra muGermany chikwereti chinoshandiswa nevanhu vakazvimiririra kuti vashandise mahara. Izvi zvikwereti hazvina kusarudzwa uye unogona kuzvishandisa kune chero chinangwa. Chikwereti chakazvimiririra muGermany kazhinji inoshandiswa yekubhadhara mari yekufambisa, midziyo yemumba yakakura, fenicha, dzidzo, nekugadzirisa kudiki kana kutenga mota.

Iyo yakawanda mari inobvumidzwa mune dzakawanda kesi inosvika ku60000 €. Kana iwe uchida kutenga nzvimbo, imba kana pamwe furati kunze kweGermany saka iyi zvakare sarudzo yako. 

Chikwereti chemotokari muGermany

Chikwereti chemotokari kana chikwereti chemotokari chikwereti chechikamu chine chinangwa chaunogona kushandisa kutenga mota (semuenzaniso mota, mudhudhudhu kana nharembozha). Kazhinji kazhinji zvikwereti zvemotokari zvakachipa pane zvikwereti zvechimedu zvekushandisa mahara (Chakavanzika chikwereti). Nekuti mota ine mari inopa mukweretesi imwe chengetedzo.

Chikwereti chemotokari muGermany ine mukana wekuti iwe unogona kutenga mota kubva kumutengesi nemubhadharo wenguva imwe chete pasina zvidimbu uye kazhinji kutora mukana wekuderedzwa kwemari (kuderedzwa kwemutengo kusvika ku20%).

Zvikwereti zvekuvaka kana kutenga zvivakwa muGermany

Chikwereti chekuvaka kana kutenga zvivakwa ishoko rakakura muGermany rinoreva chikwereti chinoshandiswa kupa mari, ndiko kuti, kutenga imba, imba kana imwe nzvimbo, pamwe nekuvakwa kwayo.

Tine zvinhu zvakati zvakakosha:

• Nechikwereti cheimba, unowana chikwereti kubva kubhangi rako chaunodzosera zvishoma nezvishoma (pamwe nemhindu).
• Zvikwereti zvezvivakwa muGermany zvakatsaurirwa, saka unogona chete kushandisa chikwereti kune chinangwa chakabvumiranwa.
• Mabhangi anowanzo bvumidza zvikwereti zvekuvaka imba kana kutenga zvivakwa.
• Chikwereti chezvivakwa chinogona zvakare kushandiswa kune inotevera mari kana - muzviitiko zvakakosha - yekuvandudza kana kugadzirisa.
• Paunenge uchiverenga, iwe unofanirwa kunyanya kufunga nezve yako capital ratio, iyo inoshanda gore negore mubereko weiyo real estate chikwereti uye temu.

Zvikwereti zvekugadzirisa zvakare muGermany

Kana iwe uchinetseka kubhadhara zvikwereti zvako, rescheduling chikwereti chinogona kuva sarudzo yakanaka. Zvinokutendera kuti ubatanidze zvikwereti zvako zvese zvazvino kuita chikwereti chimwe chine mari inokwanisika kubhadhara pamwedzi, kazhinji kwenguva yakareba.

Kana iwe wakatora chikwereti chine mubereko wakakwira, unogona kuedza kutsvaga kupihwa ine yakaderera mubereko nerubatsiro rwechikwereti chekuenzanisa portal. Kana iwe ukakwanisa kuwana chipo chakadaro, tora mari yaunokwereta pachikwereti chekare, udzorere uye urambe uchibhadhara chikwereti nemari yakaderera, izvo zvinotungamirira kukuti iwe unopedzisira uchibhadhara mari shoma pane yaungaita. wadzorera chikwereti chekare. Kana iwe uchida kudzoreredza chikwereti, unogona kuwana sarudzo dzeizvozvo here.

Zvikwereti zvebhizinesi muGermany

Zvikwereti zvebhizinesi muGermany zvinowanzokumbirwa mari kana mari yekudyara iyo ichashandiswa mubhizinesi rako. Bhizinesi chikwereti saka, inoenderana zvakananga neprojekti yako: inokodzera kutengwa kwezvinhu uye zvinhu uye nekukunda matambudziko emari. Pnechikwereti chako chakakodzera kukudyara kwenguva refu, unogona kutenga michina, pre-mari zvinhu kana mari digitization. Zviri zvekutanga kambani itsva uye kuikura.

Ndeapi mamiriro echikwereti kuGermany?

Zvikwereti muGermany zvinoshanda zvakafanana chero kupi zvako pasirese: iwe unowana mari kubva kune mukweretesi uye unobvumirana pamutengo wemwedzi wekubhadhara. Mukweretesi anoita mari kubva mugadziriro iyi nekuwedzera muripo pamari yechikwereti, iyo inozowedzerwa kune yega yega yaunodzosera.

Kazhinji, chiyero chinomiririra chivimbo chemukweretesi mauri, pamwe nenjodzi dzavari kutora mukukweretesa mari. Muyero wacho wakaderera zvikuru kana njodzi dziri shoma. Muhoro wazvino, mamiriro ewanano, zera, nhoroondo yehutano, mari yaakachengeta, mabhondi, masheya, muridzi wemidziyo uye mamwe mabviro emari ndizvo zvinhu zvinotariswa nemukweretesi.

Pane akati wandei maitiro aunofanirwa kusangana nawo kuti uwane chikwereti kuGermany. Iwe unofanirwa kusangana nemamiriro aya:

• Iwe unofanirwa kugara muGermany.
• Iwe unofanirwa kunge uri pamusoro pemakore gumi nemasere.
• Iva wakagadzirira kupa inowirirana uye yakakosha sosi yemari (3 ichangoburwa payslips yevashandi, anosvika makore maviri emari yemashizha evakasununguka)
• Kukwanisa kuburitsa yakanaka SCHUFA mamaki.

Zvichienderana nenyika yako yekwaunobva, unogona kutenda kuti tsvakiridzo iyi inopindirisa kana kuti inguva dzose. Izvo zvakakosha kuti uzive kuti maGerman haasi mafani makuru echikwereti, uye haana chikwereti kune vamwe.

Vane mukurumbira wokusava nedzimba dzavo, kusashandisa makadhi echikwereti. Vane chikwereti kune chikamu chemari chinoyemurwa nenyika dzakawanda pasi rose. Nekuda kweizvozvo, kana zvasvika pakupa zvikwereti kuGermany, vanokweretesa vanonyanya kungwarira.

Unogona kunyorera chikwereti iwe pachako, netsamba kana nefax. Mabhangi mazhinji zvakare anobvumidza iwe kuendesa chikumbiro chako online. Kune izvi, zvinokurudzirwa kushandisa chikwereti chekuverenga nekuti iwe unozogona kuongorora zvakasiyana zvinopihwa uye kusarudza iro rakanakisa bhangi. Iwe unogona ipapo kuendesa chikumbiro chako online kuburikidza newebhusaiti yedu.

Chikumbiro chechikwereti chevashandi muGermany

Kana uchida kutora chikwereti kubhangi, unofanira kutanga wazadza chikumbiro chechikwereti. Izvi zvinotumirwa kubhangi, iro rinotarisa kana iwe uchikodzera chikwereti.

Mashoko anotevera anowanzo kuverengerwa muchikumbiro chechikwereti chemushandi kuGermany:

• Mari yese yechikwereti
• Chikwereti chaunoda kureba
• Mari yechikwereti inodiwa
• Kana zvichibvira, kutanga kwakarongwa
• kubhadhara chikwereti
• Kuisa data rako pachako (yako data, mamiriro emari)

Zvinofanira kusimbiswa kuti anenge achikwereta achadikanwa kuti ape magwaro anoratidza kukweretwa kwake pamwe chete nemamiriro ake emari. Chiyero chakanaka chechikwereti chinonyanya kudiwa pakubhadhara mari.

Muchibvumirano chechikwereti, mukwereti anogamuchira fomu rekuzviongorora wega. Zvese zvakapihwa mufomu iri zvinofanirwa kusimbiswa. Nekuda kweizvozvo, zvakakosha kuti upe ruzivo rwechokwadi nezvako.

Uyezve, mukweretesi anokumbira ruzivo rweSCHUFA kuti aone kukodzera kwemunyoreri. Nekuda kweizvozvo, tarisa kaviri marekodhi ako eSCHUFA kuti uve nechokwadi chekuti zvikwereti zvese zvekare zvabhadharwa.

Unogona kunyorera chikwereti iwe pachako, netsamba kana nefax. Mabhangi mazhinji zvakare anobvumidza iwe kuendesa chikumbiro chako online. Kune izvi, zvinokurudzirwa kushandisa chikwereti chekuverenga nekuti iwe unozogona kuongorora zvakasiyana zvinopihwa uye kusarudza iro rakanakisa bhangi. Iwe unogona ipapo kuendesa chikumbiro chako online kuburikidza nesarudzo dzakapihwa pamusoro.

Zvikwereti muGermany kubva kune vega vanokweretesa

Iyi isarudzo nyowani pamusika, asi inofanirwa kufunga. Pane kuti bhanga guru rikukweretese mari, boka revanhu vakazvimiririra vanounganidza mari dzavo. Nekuda kweiyo mubereko, ivo vanokwanisa kuwedzera mari yavo kana iwe uchibhadhara mari yako. Peer-to-peer lending ndiro izwi rinoshandiswa kutsanangura rudzi urwu rwekukweretesa.

Zvikwereti muGermany zvine nguva pfupi kwazvo

Kazhinji, zvikwereti zvenguva pfupi muGermany isarudzo yaunoda mushure mekubhadhara mari isingatarisirwi, sekubhadhara dhipoziti yeimba yekurenda kuGermany. Kunyangwe zvichiwanzo kukurudzirwa kutsvaga rutsigiro kubva kushamwari nehama mumamiriro ezvinhu akadaro, kune akati wandei maportal anogona kukubatsira kana iwe uchida mari shoma nekukurumidza.
Kunyange zvazvo mari dzemubereko dzakakwirira zvishoma pane zvikwereti zvenguva refu, kubhadhara kunoitwa kamwe chete pamwedzi, izvo zvinoderedza njodzi yekuwedzerwa mari.

Creditworthiness muGermany (Schufa muGermany)

Zvimwe zvikwereti kuGermany, zvisinei nerudzi rwechikwereti, funga nezvekukweretesa kwako, asi vamwe havadaro.
Kana vadaro, inofarira vanhu vane zvibodzwa zvakasimba zveSCHUFA nekuti ipapo mubereko unodzikiswa. Izvi zvinonzi bonitätsabhängig (credit dependent) kana bonitätsunabhängig (chikwereti chakazvimirira).
Kana iwe uine yakaderera SCHUFA mamakisi, iyi ipfungwa yakakosha kuziva; tsvaga zvikwereti zvisingatarisi izvi.

Sei kutora chikwereti kuGermany?

Pane akati wandei zvikonzero nei ungangoda chikwereti kuGermany. Mapurojekiti ako ehupenyu achachinja sezvo hupenyu hwako semutorwa anofambira mberi. Nekuda kweizvozvo, ungangoda mari yembavha yekutenga imba, chikwereti chekutenga mota kana mari shoma kuti uwane zano rebhizinesi rako. Chero zvazvingava, kusvika kumubvunzo uyu unotyisa idambudziko, kunyanya kana mamiriro ekubhangi eGerman awedzerwa!

Mabhangi anoda hukama hwenguva refu nevatengi vavo, izvo zvinoreva kuti vanoda kuti vagare muGermany kwemakore mazhinji. Germany inozivikanwa nenharaunda yayo yakagadzikana uye ramangwana rinovimbisa. Izvi zvinowedzera mukana wekuti iwe uchakwanisa kubhadhara chikwereti chako.

Zvinogona kuomera vamwe venyu kuwana chikwereti kuGermany semutorwa nekuti kusvika kwatakaita kuGermany kwakaguma nekunetsana kwakatanga kukuvadza zvibodzwa zvedu zveSCHUFA. Zvinotora nguva kuti tigadzirise, uye panguva ino tingave tasiya mari isingabhadharwe.

Pazasi pane zvimwe zvezvikonzero nei uchifanira kutora chikwereti

Mumwe munhu anogona kutsvaga chikwereti chake kana iwe uchida mari nekukurumidza yekuvhara mari, mari isingatarisirwe kana chimwewo chinhu chinoda kutarisirwa nekukurumidza. Mazhinji masangano emari anopa mafomu epamhepo anokubatsira kuziva kana wakatenderwa mumaminitsi. Zvichienderana nemukweretesi wako, unogona kuwana mari zuva rimwe chete kana kupfuura akati wandei mazuva ebhizinesi.

Mari yechikwereti inogona kushandiswa kubatanidza zvikwereti, kunyanya chikwereti chekadhi rechikwereti. Ichowo chimwe chezvikonzero zvinowanzoitika zvekutora chikwereti chemunhu. Zvikwereti zvemunhu muGermany zvine mubereko wakaderera pane makadhi echikwereti, kunyanya kana uine kiredhiti yakanaka. Zvikwereti zvakanakisa zvemunhu muGermany zvine mubereko wakadzikira se2,5%, uyo wakadzikira zvakanyanya kupfuura mapeji ezvikamu zviviri zvinochajwa nemakadhi mazhinji echikwereti. Iwe unogona kuwana chikwereti chako, kubhadhara kadhi rako rechikwereti, uye wozobhadhara kamwe chete pamwedzi kune yako nyowani yekukweretesa institution.

Iwe unogona kunge usingatombofaniri kubhadhara chero mari yakakosha kana uri kutamira pedyo nekwaunogara ikozvino. Zvisinei, kana uri kubuda kunze kweguta, ungada imwe mari yekubhadhara mari yekufambisa. Kufamba chinhambwe chirefu kunoreva kubhadhara kurongedza zvinhu, kuhaya vanofambisa, uye kutakura zvinhu zvako kuenda kunzvimbo itsva.

Zvikwereti zvakazvimiririra muGermany zvinogona zvakare kushandiswa kubatsira kutsvaga imba nyowani. Kana iwe ukawana imba, semuenzaniso, iwe unogona kubhadhara mwedzi wekutanga, mwedzi wapfuura uye dhipoziti. Iwe unogona zvakare kuda mari yekupa imba yako nyowani.

Izvi zvese zvikonzero nei zvikwereti muGermany zvingave sarudzo yakanaka kwauri, kana iwe uchida zvikwereti muAustria unogona kushanyira ATcredit , uye kana iwe uchida zvikwereti kune dzimwe nyika dzeEurope, unogona kushanyira areainfinance.com