Imigaqo-mboleko evela Sberbank umhlala. Umlinganiselo wenzala, lo umda ubudala

Sberbank of Russia namhlanje - oko ebhankini inokuthenjwa kunye jikelele kweli lizwe, ukuthembeka nto ingqinwa iminyaka yaye izigidi abathengi kwaneliswa. Iinkqubo ezininzi mboleko, transfers imali, iintlawulo ekhawulezayo kunye nezinye iinkonzo isiphelo eliphezulu ezilungiselelwa Sberbank, abemi Russian zixatyiswa kakhulu kunene.

Enye iimpawu zayo eziphambili - ejongisele nezentlalo ngetyala kunye iimveliso zemali. Ngokukodwa, kufanele kuqatshelwe ukuba Savings Bank asinika umhlala ngetyala. Kwaye yenza ukuba lubalasele iqela elithile eluntwini, kuba imali yazo nokuba kwaye sizinzile, kodwa ke kwiimeko ezininzi ezincinane. Kungenxa yale nyaniso ngokwemigaqo mboleko Sberbank umhlala nelungelo. Kwaye umhlala-phantsi ngexesha kuqhutywe mboleko kungasebenza, okanye mhlawumbi abangasebenziyo.

amagama okukhethekile

Imigaqo-mboleko evela Sberbank abadala ukunika amalungelo akhethekileyo ukuze abantu abafumana ipension i-akhawunti ebhankini:

· Lower umyinge wenzala kuyo nayiphi na imveliso-mboleko;

· Ukuboniswa uxwebhu olunye (yokundwendwela) ukuba uyilo-mboleko;

· Isicelo mboleko ithathwa ngokukhawuleza kangangoko kunokwenzeka (ukwaziwa kwisithuba iiyure ezi-2);

· Pensioner ndinokungena isicelo bezandla naliphi na isebe Savings Bank, leyo ikhupha iikhredithi (ezizimeleyo ngokupheleleyo ukusuka kwindawo ahlala kuyo);

· Kukho enye indlela, enxulumene inkqubo yokufumana imali, nokuba baya kuhlawulwa ngekheshi okanye idluliselwe ikhadi yomboleki.

iintlobo mboleko

Ngaphandle kokuba Sberbank ibonelela mboleko ezinikwa abantu, phakathi bona sokunikela kwakhona udidi eyahlukileyo - abadla umhlala-phantsi. Iindidi zemveliso mboleko abasakwazi ezahlukeneyo abantu yobudala yomhlala-phantsi, kodwa kweebhanki engqongqo malunga imvume yabo, esazi ukuba olu didi abemi ithetha emngciphekweni lezikolo non-kwintlawulo yeemali. Ngoko ke, Sberbank of Russia ibonelela mboleko ukuba abadla umhlala-phantsi kuphela xa kwimbali yamatyala obolekayo umisela umzekelo. Mboleko umhlala Sberbank ihlukane iindidi ezininzi:

· Consumer;

· Target;

· Amakhadi Credit.

Yemalimboleko akufanelekanga software, kwaye kubonelelwa phantsi usisiqinisekiso omnye umntu.

Consumer mboleko ngaphandle yokhuseleko

Le mboleko yahlukile njengoko kulula ugcwalisa isicelo. Mhlala-phantsi kufuneka kuphela yokundwendwela, isicelo kunye ubungqina bengeniso (umvuzo kunye / okanye yomhlala).

Ngenxa yokuba le mboleko na ukunika nayiphi na isibonelelo nayiphi na impahla engenakususwa kwindawo ekuyo okanye ngohlobo kweziqinisekiso ezisuka komnye umntu, izixa iya kuba incinane. Imali Ubuncinane yi-15 000 engange (ukuba ababoleki eMoscow iinkonzo zebhanki - 45 000), kunye nelona qondo liphezulu mboleko - 1.5 million engange.

Ibonelela loan Savings Bank for umhlala, izinga lenzala kuso sagqitywa ngokuxhomekeke mboleko elithi:

· Credit, eyenzelwe ukuya kwiminyaka-2 uya kuba, ngokuxhomekeke ubuncinane-17% ngonyaka ngamnye;

· Uboleke imali ebhankini iminyaka emihlanu buxabise umhlala-18.5% ngonyaka okanye ngaphezulu.

Abemi ukhetha ukuboleka yamanye amazwe, baya kunandipha iimeko kakuhle ngakumbi. Ngenxa yoko, izinga lenzala mboleko zithatha iminyaka emibini ziya kuba-14% ngonyaka nangaphezulu, kwaye ibe mboleko seminyaka emihlanu-- ukusuka 15,5% ngonyaka.

Iminyaka yobudala iphezulu mboleki

Ekubeni Sberbank unika ezi-mboleko ezinikwa abantu, nto leyo umhlala-phantsi, kusengqiqweni ukubona ukuba ngexesha lokwenza isicelo umboleki kufuneka sele kukhutshwe i pension, kwaye ke kufuneka ukuba ube neminyaka engama-65. Ngaphezu koko, kubalulekile ukuba ngexesha yokwenza izibophelelo yamatyala umboleki wayeneminyaka abancinane kwama-75 ubudala.

isicelo esifakwe uthathwa abasebenzi yebhanki zingadlulanga iintsuku ezimbini zomsebenzi, kwaye uyile ngaphakathi ngenyanga zokufumana impendulo eyakhayo. Ucimayo kwenzeka iintlawulo zenyanga ngokulinganayo. intlawulo yokuqala umboleki ayidingi naziphi na iifizi ezizezinye. Sberbank akambeki nayiphi na inxalenye ubuncinane intlawulo yokuqala buso, akukho ixesha ubuncinane intlawulo yokuqala ngokupheleleyo. Isohlwayo lokuhlawula emva kwexesha yinto eqhelekileyo kunye 0.5% ye isixa izavenge zenyanga. Wongezelela ukuba ityala ngaloo mali suku ngalunye.

Loan nxamnye sinzima

Imigaqo-mboleko evela Sberbank abadala ziquka amathuba mboleko izityhwentywe zemali, kodwa kufuneka ibe ekunyanzelekileyo ukubandakanya guarantors. Ukubakho kwabantu okunyusa imali-back isiqinisekiso, kwandisa ngokuzenzekelayo le mboleko yophahla ukuya ku-3 mln. Engange. Yenkqubo yokufumana ngetyala kunye enkonzo twatse kuguqulelo abathengi abaqhelekileyo. Ukukhula yahluka ukusuka kwiinyanga ezi-3 ukuya kwiminyaka-5. Izinto eziluncedo iphambili kolu hlobo Ukubolekwa inzala enomtsalane kunye nokungabikho yeMisebenzi ukuba iintlawulo.

Umhlalaphantsi, wakhonza Savings Bank, ukuze uthenge ngetyala kwabathengi phantsi usisiqinisekiso abantu emzimbeni ngomlinganiselo 16.5% ngonyaka, kwaye ukulungele ukuthatha imali kwi dollar okanye euro ziya kufumana inzuzo enkulu. Kubo, yonyaka izinga lenzala iya kulingana ubuncinane 13.5%.

Sberbank ikhupha imali-mboleko umhlala, ogama ubudala ngexesha wokuphelelwa kwesivumelwano ayisayi kuba ngaphezu umbundu engama-75.

credit cards

amazinga kusiza lwenkonzo ikhadi lamatyala kunye umda isixa esikhulu ezifumanekayo phantsi abangamalungu yomhlalaphantsi okanye umvuzo iiprojekthi Sberbank. Kwakhona, le mveliso unako ukufumana kubaboleki ngembali ngetyala esihle iinkonzo ikhadi lemali. Kwiimeko ezinjalo, ikhadi lamatyala okunikelwa umxhasi imvume kwangaphambili. A ibango kulo kucingwa umphathi Savings Bank ngokukhawuleza kangangoko kunokwenzeka, ukuba ingxelo ngoko nangoko yaye umda iyafumaneka kuwo. Pensioner kwanele ukubonisa yokundwendwela kunye ngummi Russian kunye nobhaliso. yonyaka Umyinge wenzala kwi ikhadi ngetyala ayehluka 18.9% ukuya ku-24% ngonyaka kwaye sixamali sikhulu kunokuba ukuya ku 600,000 engange.

Car Loan

mboleko Bank for umhlala inganikwa ukwenzela ukuthenga imoto, zombini ezintsha kusetyenziswa. Ukuba imoto wokwenziwa yasekhaya okanye Chinese kakade ukusetyenziswa, kufuneka ube neminyaka yawo kwiminyaka engaphezu kwama-5, yaye ukuba imoto bezinye kwelinye ilizwe, ngoko kufuneka senziwe kuyo iminyaka hayi ngaphezulu kwe-10 eyadlulayo.

Iintlawulo ze -mboleko yemoto, Sberbank ayinikeli. Ngaba ukunika ubungqina bengeniso lunokwenzeka, ukuba wenze intlawulo yokuqala ye-30% yemali-mboleko kwi imoto oyithandayo. Unga kwakhona ukunika ibhanki nayiphi na impahla yakhe besibini.

Kuba ukuthengwa yeemoto bakulungele ukunika Sberbank mboleko ukuya umhlala, inzala yayo ayehluka 13.5 ukuya kwi-15% kwi isantya ubuncinane ngokuxhomekeke ixesha imali-mboleko. umdla eyodwa ngolwaa-mboleko yangaphandle lwemali-mboleko efikelela kuma kunyaka 1, emi-3 no-5 zixhomekeke 10.5%,-11.5% ne-12% ngokulandelelana. Ezi amaxabiso esebenzayo abadala bakhonza kwi-Savings Bank njengoko bafumana pension kunye nezinye nabathengi baya kufumana imali ngomlinganiselo-1% ngaphezulu.

Ngo-mboleko ungafumana ukuya engange 5 million, kwaye isixa iphantsi - .. 45000 engange. Xa iBhanki iye kuvunywe isicelo iqalisa ukuba ukhethe uncedo lwekhredithi, okuhlala iintsuku 90.

yokubolekisa mortgage credit

Ukuthenga ikhaya inokufumaneka eyamkelekileyo kakhulu ngokubhekiselele mboleko Savings Bank for abadla umhlala phantsi. Le ilungu kwiimalike zemali kunye yeentengo zemboleko enika kwiiklayenti abadala inkqubo ukubolekisa mortgage ezintathu:

• ukuthengwa yezindlu ogqityiweyo;
• ukufunyanwa yenjongosenzi phantsi kusakhiwa;
• ukwakha indlu ngokwabo.

Savings Bank ibonelela mboleko umhlala, izinga lenzala elinye ekhulwini ngaphantsi umgangatho wenzala yonyaka kwi-mboleko.

Ngokuthenga ukulungele okanye phantsi izindlu yokwakha, abantu yobudala yomhlala banelungelo Uthathe imali-mboleko kwimali-45 amawaka engange. Igalelo sokuqala Ubuncinane kulo mzekelo yi-15% yexabiso ekhaya. Igama liphezulu mboleko yezindlu engama-30. Nge lokuqala igalelo isiqingatha kweendleko kukho mboleki yokuhlala ungenza-mboleko yingenelo ngakumbi, oko kukuthi, umyinge wenzala aya kuwa kwi-12% ngonyaka ngamnye.

Izinto eziluncedo pension mboleko kwi-Savings Bank

Ezi zindululo kwiimarike namhlanje yeentengo zemboleko kakhulu enomtsalane kunye neenzuzo, naphakathi zonke iibhanki Russian. Inkonzo Savings Bank for umhlalaphansi kuthetha nzuzo zilandelayo:

· Imigaqo-mboleko umhlala zahluke inzuzo yabo;

· Mboleko kwenziwa njalo ngaphambi ishedyuli kungekho naziphi na iintlawulo ezongezelelekileyo;

· Phantsi Service iingcali kuphela abaqeqeshiweyo kakhulu;

· Hotline isebenza imini nobusuku; ukubiza kuyo, unako ukufumana iimpendulo eneenkcukacha yonke imibuzo umxumi;

· Yobudala yomhlala kuMboleki kwi Savings Bank ube lilungu inkqubo yebhonasi okanye isenzo esikhethekileyo, nto leyo kakuhle kuchaphazela imeko netyala;

· Ubhaliso-mboleko kule kweebhanki isishwankathelo selubala kunye ecacileyo zonke izinto lesivumelwano;

· Ezahlukahlukeneyo iindlela uhlawule ityala yomhlalaphantsi: cash intlawulo kwisebe le bank transfer amakhadi zeplastikhi, transfers imali ngokusebenzisa inkqubo "Golden Crown" okanye "Iinkcukacha", ukukhutshelwa kwemali-akhawunti yetyala kunye isipaji elektroniki.