Iibhanki buyanceda uthathe imali-mboleko? Ukufumana ngetyala: Imibandela, amaxwebhu

Ngaphambi kokuba amalungiselelo mboleko, inkoliso yabantu ucinga ukuba iibhanki zoluntu buyanceda ukuthatha ngetyala. Kodwa ukusukela iphupha, kuba leyo uthathe imali, abantu baye bakhohlwe sinikele ingqalelo yokuhlawula amatyala abo amandla kunokwenzeka majeure.

Indlela ukubala oko mboleko ukufanele?

Phambi azinze kuyo nayiphi na ukunikelwa omnye ngetyala, ukhetho engcono kungaba:

• Bala creditworthiness kunokwenzeka yaye isixa sentlawulo ngenyanga nganye phantsi isivumelwano. Nazinkinga kuthathwa ukuba umboleki, intlawulo mboleko ngenyanga nganye oya kuba ngaphezu ngaphezu kwe-50% kwingeniso iyonke. Ukhetho engcono kungaba xa lo mali iya kuba-10 okanye 15% yemali yakho. Iingcali zithi mali intlawulo aluchaphazeli umgangatho wokuphila lo mboleki.

• Yiba ithuba ukuze ifumane ingeniso engakumbi. enye Excellent na, ukuba unayo imali engaphezulu ukongeza umvuzo wakho omkhulu. Nokuba intlawulo annuity lakho lilonke exabisekile ayibonakali ukuba uhlahlo lwabiwo-mali lwakho, imali kusenokufuneka xa kuthe yeemeko ebezingaziwa.
• Ukumisela ixesha blanking mboleko luqikelelo. Musa ukulibala; kakhulu ixesha elide ukuba uthathe imali-mboleko, lilikhulu kwenzala kwimali-mboleko. Akukho mfuneko ukuba awe kakhulu omnye komnye, ukufumana i "imin yegolide." Amanani abonisa ukuba abantu bakhetha ukuba imali-mboleko kangangonyaka okanye emibini, kodwa xa kufikwa zokubambisa, ngoko iminyaka 5-10.

Ukufumana ngetyala: ezifunekayo amaxwebhu

Namhlanje, phantse zonke ibhanki inika mboleko nayiphi na injongo. Olu hlobo luqhelekileyo mboleko luthathwa mboleko yabathengi. lo
mboleko ayikho ithagethi, kwaye mboleki unokwenza isigqibo apho uyakwazi ukuchitha imali ngaphandle kolwazi ibhanki yakhe. Phantse zonke iibhanki uluhlu lwamaxwebhu ukuba isicelo semali-mboleko;

1. passport Russian.
2. Certificate of yengeniso Form 2-emhadini.
3. SNILS, ipasipoti okanye iphepha-mvume lokuqhuba.
4. amaxwebhu ezongezelelweyo olucelwe yibhanki.

Iibhanki buyanceda uthathe imali-mboleko?

Iinkcukacha-manani zibonisa ukuba ekuqaleni rates 2015 inzala kwimali-mboleko aye yandiswe ngokubonakalayo xa kuthelekiswa nexesha ngo-2014. Bekuya kuba echanekileyo babalise oku imeko ezingazinzanga yezoqoqosho kweli lizwe kunye kukuwa engange.

Indawo yokuqala kuhlala Sberbank. Ngokutsho data okuhlalutya, iBhanki wegumbi kwenzala. Lo mbutho elide ngokwaneleyo ukubamba indawo yawo phakathi iinkokheli abolekisa ngemali, usebenzise ngenkxaso karhulumente.

I-avareji ngetyala yabathengi ebhankini yi-19% ngonyaka.

"VTB 24" - indawo yesibini. Enye ababolekisi ezinkulu zorhwebo, zikhoyo kwi ngebande elinye kunye Savings Bank kwisixeko ngasinye.

Ukufumana i mboleko ke nangokuxabana ngereyithi eyi-21% ngonyaka ngamnye.

Umbutho credit sesithathu kakhulu ithandwa - "Bank of eMoscow". Kwakhona abadlali non-karhulumente, kwaye isebenza ngokusondeleyo nabantu. overpayment kunokwenzeka kunyaka ka-23% ngonyaka.

"Sovcombank" - phambili siboleka yobudala labantu abadala kunye umhlala-phantsi. Kodwa ke inzala kwimali-mboleko ulihlwempu, yaye engenako ukufikelela-30% ye noboleka yonyaka.

Iimpawu zamaziko credit

Akukho ingcali abanakho ukukunika impendulo eqondile umbuzo yeebhanki zoluntu buyanceda ukuthatha ngetyala. Xa usenza isicelo semali-mboleko kufuneka sinikele ingqalelo ukuba kukho ngomahluko ebhankini zonke. Phambi kokuba ukubala umyinge wenzala, kufuneka ingqalelo le miba ilandelayo: imali-mboleko, ixesha-mboleko ye-inshorensi phantsi isivumelwano, izinga kuqikelelwa, ukufumaneka izibambiso okanye ngummeli wowona ulungileyo, data yakho BCI nangaphezulu. Ngokusekelwe kuphela kwezi data, umbolekisi iya kuba nako ukubala ubungakanani kunye nezinga le-mboleko, kodwa kuphela ukuba olithandayo ebhankini.

iimeko mboleko

Phantse zonke iibhanki kwezinye iimfuno obolekayo:

1. Le yokundwendwela ukuba ngummi Russian Federation. Ezinye iibhanki bakuthembe yaye kukuvumela ukuba uthathe imali-mboleko ukuze abantu babe imvume yendawo yokuhlala yexeshana, lo umthetho ningabaleli, kodwa xa kusenziwa kuyenzeka kunqabile kakhulu.

2. Age engama-21 ukuya kuma-65. Ngaphandle "Sovcombank" unako ukukhonza kweli candelo, nto leyo enika mboleko umhlalaphansi abangaphantsi kweminyaka engama-75, ngaphandle kokuba kufuneka ingabi ekupheleni isivumelwano semali-mboleko ukuba ngaphezu kokuba iminyaka ethile. Ngelo xesha bokufakwa kwesicelo kufuneka ube kuma-70 xa ufuna ukuthatha imali-mboleko iminyaka emi-5 kunye eyi-72, ukuba uthatha imali-mboleko ukuya kuma kwiminyaka emithathu.

3. Umsebenzi esemthethweni. Akukho ibhanki iya kunika mboleko umntu non-esebenzayo. Ubungqina umsebenzi wakho kuba reference 2-NGOBUCHULE, isatifiketi sobhaliso karhulumente kuni njengosomashishini ngamnye okanye ukulungisa inkampani yakho ifomu wenkampani, JSC.

4. A imbali credit olungileyo. Ubukho ubunjubaqa ngokuphindaphindiweyo ngexesha okuhlawula amatyala kwixesha elidlulileyo kwi-100% yamatyala bakhonza njengoko isizathu sokwala-mboleko. Kunye nokungabikho data yakho kwiziko lamatyala nako ukukhonza njenge ukwaliwa kwesicelo sakho. Iingcali ukucebisa ukuba imali-mboleko lento zexabiso eliphantsi: ngomnxeba, izixhobo zombane zasekhaya okanye ifanitshala, kwaye rhoqo ukubuyisela-mboleko kwaye kanjalo ngokwalo njengoko lwekhredithi okwaziyo, ubolekayo onoxanduva. Ukuba ngaba uyalelwa ukuba ngoko nangoko emva kwemizuzu elishumi emva kokuba isicelo, unokuqiniseka ukuba isizathu sokuba oku kube imbali yakho embi yekhredithi, njengoko iibhanki khangela data evela BCI kwindawo yokuqala.

Customer ngempendulo malunga iibhanki

Ukuphendula lo mbuzo, "Yiyiphi ebhankini kukulungele kanye ukuba uthathe imali-mboleko", kuya kubaluleka ukuba anikele ingqalelo umbutho, bakhonza iireyithingi lwamatyala ukuba nizinikele nina yonke umfanekiso iinkonzo wokubolekisa ngemali ecetywayo kwesi ebhankini. Nikela ingqalelo ekhethekileyo ncomo yokwenene ezimbi.

Phambi kokuba wenze isigqibo, apho iibhanki buyanceda uthathe imali-mboleko, njalo hlola eyakho ithuba lakho ukuhlawula. It ayinqweneleki ukuthatha mboleko ukuba intlawulo yenyanga ngaphezu kwe-40-50% yomvuzo wakho. Asimele akhalaze malunga nokwenzeka uhlawula isivumelwano sentengo yemboleko phambi kwexesha ngaphandle kokuthatha ingqalelo majeure amandla. Kwaye ekugqibeleni: Mus ukusulela ityala kwiziko lamatyala xa kuthe ubunzima bakho ukuba ahlawule intlawulo efunekayo yenyanga ukuba mboleko kufuneka ithathwe i "intloko opholileyo".