Indlela ukufumana imali-mboleko ebhankini kunye nembali kwezamatyala low-inzala

Ngamanye amaxesha iimfuno ukuboleka anokuhlawulwa kuphela mboleko ebhankini. Ukunikelwa phezu ubunzima emarikeni. Njani ukuba ngokuphosakeleyo kunye ukhetho?

Indlela ukufumana ngetyala?

In Russia kukho imibutho emininzi karhulumente kunye nezorhwebo, nganye inikeza imeko yalo ekhethekileyo. Iskim okufumana mboleko iyafana kulo naliphi na iziko lamatyala. Kufuneka ukhethe inkonzo, ukunika iphakheji amaxwebhu balindele isigqibo.

Bank angafuna:

- passport, nto leyo engqina ukuba ngabemi le Russian Federation;

- Isiqinisekiso evela kumqeshi malunga nenqanaba kwengeniso ukulungiselela ezi-6 ezidlulileyo;

- ikopi ngokwemvumelwano yengqesho okanye uphawu lweshishini eqinisekisiweyo;

- iphepha yesibini kukhetho (ilayisenisi, yokundwendwela, ID yokuqhuba emkhosini, njl ...).

Ukuba imali-mboleko inkulu, kusenokufuneka:

- isiqinisekiso of amaqela angaphandle;

- izibambiso ngohlobo impahla.

Mboleko zikhutshwa ukuba abemmi Russian Federation kule iminyaka engama-21 ukuya kwengama-75. Xa lo mda eliphezulu kuphunyezwa ekupheleni ngentsebenziswano ebhankini. Iimeko, lokuvala kunye namaxwebhu zisenokwahluka ngokuxhomekeke inkqubo ekhethiweyo.

Indlela yokufumana umboleki imboleko? Loans kwemali kukhutshwa engange, zeerandi okanye euro. kwesantya senzala ixhomekeke lwemali. Intlawulo ukusetyenziswa kwemali waboleka lingaba ngaphantsi xa bathe banikwa ezikhuselayo owongezelelweyo ngendlela yokuba isibambiso okanye isiqinisekiso.

Express

Ukuba ufuna imali ngokukhawuleza, kwaye ixesha alinde ukuba isigqibo ebhankini va akunjalo, ungaqhagamshelana "Credit Cafe", "Credit Instant" njalo njalo. D. Le mibutho zinika iinkonzo zabo mboleko encinane iintsuku ezimbalwa ngokukhetha wenzala. Indlela ngokukhawuleza ukufumana imali-mboleko? Nje uye ku "Bystrodengi" emsebenzini, ukuchonga, ulwazi malunga umqeshi kwaye kwisithuba semizuzu engama-20 ukuya kuthabatha imali. Izinto eziluncedo imibutho ezininzi ezifana: le sethi isezantsi yamaxwebhu, ekwenzeni izigqibo ngesantya esiphezulu. Indlela ngokukhawuleza ukufumana imali-mboleko baseRashiya? Ukhetho yesibini - ukuba babuyele ebhankini, nto leyo ngaphambili anesibambiso mboleko. Ukuba iimeko zengeniso asiguqukanga, kusenokwenzeka ukuba nesigqibo ukutsala ixesha elide nakanye.

Khangela ukuba iibhanki?

Ngexesha kokuqwalaselwa kwesicelo ababolekisi khangela kuqala nokwanela i data kwi khweshine. ulwazi olungolunye kuhlalutywa ukuba ayeke izinto .. I yobudala yomhlala yobhaliso mboleki abahlala kummandla ezingazinzanga, njl parameter nganye lwenkqubo ikhweshine unikela amanqaku. Ngenxa yenani lilonke yebhanki isigqibo.

Oko kufuneka sinikele ingqalelo amandla obolekayo:

- inani lilonke egqithisileyo;

- izohlwayo lokuhlawula emva kwexesha sentlawulo kwemali ekuqaleni;

- zonke footnotes kule mvumelwano emiselweyo yoshicilelo entle.

Indlela ukufumana imali-mboleko yebhanki ngaphandle inshorensi?

Easy, ukuba imali mboleko incinane. Ngokutsho uMthetho Federal "Xa woKhuseleko Rights Consumer", i-inshorensi ngetshova akukho mthethweni. Ezi mfuno ozikhethela, kodwa unako ukunyusa izinga lenzala xa umxhasi uyala iinkonzo. Kwelinye icala, xa isiganeko benefits umboleki ufumana imali siphephe iingxaki lokuhlawula imali-mboleko.

negama elibi

Ixesha lobunzima kwezoqoqosho ka-2009-2010 washiya abantu abaninzi ngaphandle imisebenzi. Ukulahlekelwa umthombo wengeniso, abakwazi ukuhlala kunye neebhanki kwi iimbopheleleko zabo. Oku kuboniswa kwimbali ngetyala. Noko ke, imfuneko imali nanini na umzuzu kuvuka. Phi na indlela yokufumana imali-mboleko "embi" abathengi?

Iingxaki lunokwenzeka ngenxa yemposiso banal. Ngokutsho manani,-30% lemali-mboleko ezihlawulwa emva kwexesha ngenxa kubaxumi ekukhohlweni. Ngoko ke, iibhanki badla idini SMS inkonzo ukwazisa malunga nexesha iintlawulo. Vuma okanye hayi, egqiba i client. Enye into, ukuba ibhanki uyala ukunika iikhredithi, ibhekisela imbali elibi kwicala lamatyala ye obolekayo ayikho nokuwabona. Ngoko kukho ithuba lokuba uqinisekise isicelo ulwazi kwiziko lamatyala yonke idatha zabathengi. data ayilungile na alungiswe. Ezinye iimali-mboleko banks umba, nditsho kubaboleki "okubi", kodwa ngamazinga aphezulu umdla. Ukubuyela mboleko ngexesha ngokupheleleyo, umthengi unako ukuphucula igama layo.

Uyawabhuqa ubudlelwane kunye ebhankini kanye, abantu bayoyika kwakhona ukuya kwiziko. Ngenxa yesizathu esibalulekileyo. Ingakumbi kuba iibhanki banomdla ukusebenza kunye nabathengi abadala. Ungayifumana njani le amaziko ngetyala ngayo ubudlelwane sibhuqiwe kwixesha elidlulileyo? Kwakunye neminye imibutho. Abathengi abafuna ukuphucula igama yabo kugqiba kwisebe wetyala isicelo ukwakha ucwangciso sentlawulo entsha kwaye bavumelane kubungakanani intlawulo. Iibhanki unomdla ukubuyisela mboleko, ke ngoko, madolw kumkhawulela.

Indlela ukuba umhlala

Fumana mboleko umntu Ndiphangela abaneminyaka 21 ukuya 60, zonke ezinye izinto ilingana, oko ngokwanelisayo kulula. Noko ke, imfuneko imali kuvela abantu abakhulileyo. Njengoko umhlala ukufumana imali-mboleko? Kuba iindidi abuthatha yeebhanki abemi nokuphuhlisa iinkqubo kunye neemeko ezikhethekileyo. Amaziko credit, abadla umhlala ekudidi ezihle kubaboleki, ngokuba:

- ke umthetho, ehlonelwayo yaye siyabophelela;

- baye ubuncinane nomthombo encinane, kodwa ngokuthe ngcembe yengeniso.

Kodwa mqobo usisikhubekiso kubaboleki ezinjalo kungaba:

1. Age. Ngexesha kwemali mboleko lo Mhlawuli kufuneka ube neminyaka engaphantsi 75 ubudala.

2. Inqanaba yengeniso. Ukuba kuphela kwemali yi pension obolekayo yeyona ubungakanani enkulu mboleko kufuneka ukubala. Ukuba umxhamli enokwenzeka kufuneka siqhubeke ukusebenza okanye wenze into loosomashishini, amathuba kakhulu ngakumbi. iimeko yokubolekisa ziya kwahluka kuphela ngokwalo. rates Inzala iya kuhlala kwinqanaba elifanayo.

Enye into kwi inkonzo umhlala - inshorensi yobomi yetyala ezinyanzelekileyo. Ngenxa yoko, elo ziko zemali ongazaliyo imingcipheko enxulumene nokufa emntwini, nto leyo iza kuqulatha kokwendalo mboleko. Kodwa kulo mzekelo, ilungu elidla umhlala singaqamela ngazo imali encinane mboleko elide iinyanga ezimbalwa. Ukuyandisa, kufuneka ukutsala iziqinisekiso abancinane kwinqanaba eliphezulu yengeniso. Kodwa apha kuvela enye ingxaki. Kwimeko ukufa yomboleki impahla yakhe kunye namatyala igqithiselwe isizalwane. Nantsi indlela yokufumana imali-mboleko ukuya umhlala ukuba isixa esikhulu.

mboleko inzala-free

Namhlanje, iibhanki abaninzi banikele abathengi ukuba akhuphe mboleko kwi amagama kakuhle. Kubalulekile kakhulu ukuba baqonde ukuba uthetha ukuthini.

Yinto enye into ukuba iibhanki ukwehlisa izinga-mboleko okwethutyana. izenzo ezinjalo zinqabile yaye ngokufuthi ziqhutywa yimfuno ukubhenela kwiindlela ejikeleza, privechennye kwiidipozithi kunye ipesenti encinane. Enye into, ukuba ibhanki inikeza okukhupha mboleko phantsi kwe "0%". Indlela ukufumana imali-mboleko ethambileyo kule meko? Akukho nto. Isibakala sokuba uMthetho "On ezibhankini umsebenzi zebhanki" Itsho ngokucacileyo ukuba mboleko mali iziko lamatyala akanalo ilungelo. Elona wenzala kufuneka 0,01% ngonyaka. Kodwa kule meko, iibhanki unokukunyanzela umxhamli akhuphe iphakheji olongezelelweyo iinkonzo ahlawulwe, ukuqalela nge-SMS-isaziso kunye nesiphelo inshorensi yobomi. Ngoko ke, ngaphambi kokuba ucinge ngendlela yokufumana credit "ezamahala", ngenyameko ufunde imiqathango yenkonzo. Mhlawumbi, nenzuzo ukuboleka ngamazinga aphezulu inzala, kodwa akukho ntlawulo yongezelelweyo.

Imali kuphuhliso loshishino

iimfuno ukuboleka zisenokuvela kungekuphela nje ngabanye, kodwa oosomashishini. Ndilufumana njani udumo kumashishini? Kufuneka isicelo ebhankini, izama ukunika iikopi zala maxwebhu amiselwe ngokomthetho, iingxelo zemali. Ngokuxhomekeke kwisixa kunye mboleko nenjongo, isigqibo esiya kuthathwa zingadlulanga iintsuku 7-30. Amaninzi, iibhanki imigca ngetyala evulekileyo kubathengi bayo. Ezi mali zingasetyenziswa ukuhlangabezana neemfuno zangoku, ezifana nentlawulo izinto. Kulo mzekelo, akukho siqinisekiso ezongeziweyo kufuneka ukunika. Kodwa kukho indlela yokufumana imali-mboleko ngaphandle guarantors ngenxa ngezimali yeeprojekthi ezinkulu zotyalo-mali, phantse namnye. Ibhanki ayiyi kunika isixa esikhulu ngaphandle kweziqinisekiso iqela lesithathu okanye izibambiso.

iingxaki

Uninzi loluntu nasentanjeni yentswela ngetyala. Ukwehla kwe engange, imivuzo kuncitshiswa, namanxeba umsebenzi - zonke ezi zinto zichaphazela yokuhlawula amatyala lo mboleki. Impendulo iya isiba nzima kwiibhanki. Kodwa kukho isicombululo. Kukho iinketho eziliqela lokuqwalasela kwetyala kwi-mboleko. I-Bank linganikezela ukwandiswa bentlawulo kubuyekeza inqununu, ukuvumela okwethutyana ukwenza umdla kuphela, okanye ukwandisa ikhontrakthi ukunika "credit ikhefu." Le ndlela yokugqibela inqabile kakhulu.

ngokutsha lwetyala ngolu hlobo lulandelayo: ixesha lokuhlawula elandisiweyo kunye nentlawulo yenyanga lifinyele. Kulo mzekelo, kuya kufuneka ukuba uhlawule imali eninzi inzala. Kodwa xa imeko iya kuba ngcono, kuya kuba lula ukuhlawula ngaphambi amboleke kwishedyuli.

Ungatshintsha ishedyuli ukuhlawula imali-mboleko. Umzekelo, ixesha elithile ukuhlawula mboleko qho ngekota. Okanye isixa sentlawulo zexesha elifutshane kuyehla nemali efunekayo yaye emva koko kwandisa esikhulu.

Ukuba obolekayo ebunzimeni zemali, oko isicelo ibhanki uncedo. Kodwa ngexesha iziko ukubolekisa luzakunyanzelisa ukungafihli kubuzaza iingxaki. Kuya kunceda kuphela xa bethetha nengxaki okwethutyana kunye nomntu ongathandani naye. Ukuba imeko kubalulekile, wacebisa ukuba sithengise ngummeli wowona ulungileyo.

Indlela ukuze ufumane elizayo-mboleko

Ukuphandwa ngokufumaneka i "ikhefu credit 'ukuba mayicaciswe gca kule mvumelwano yokuqala. Kodwa lo mqathango kulungile kuphela ebhankini. abantu Natural ithuba ukuba ahlawule ityala kwisithuba seenyanga 1-36. Emva kolibaziseko enjalo kwandisa imali yentlawulo kunye nentlawulo idityaniswa njengepesenti. Ngoko ke, lo ngaphambili ezi holide iya kuzisa iindleko ezongezelelweyo.

Ukuba obolekayo kodwa wagqiba ekubeni athabathe nethuba lokuphefumla, oko kuqala kuyimfuneko ukufumana ibhanki:

1) Ngaba oku avunyelwe phantsi isivumelwano.

2) Ngaba kukho naziphi na iintlawulo ngexesha ukulibaziseka (idla ibhanki likuvumela ukuba akuyi kufuneka ukuba uhlawule ityala eliyintloko, kodwa kufuna intlawulo kwangethuba umdla).

Umnqweno ukuba nethuba lokuphefumla kuya kufuneka amaxwebhu: isiqinisekiso esivela kumqeshi malunga kulibaziseka ukufumana umvuzo, isiqinisekiso sokuzalwa somntwana, isatifiketi kagqirha kunye uxilongo, njalo-njalo ..

indlela enye

Kunokuba bacinge ukuba indlela yokufumana deferment phezu mboleko, oko try kungcono ukuba bavumelane ukwandiswa kwesivumelwano. Mortgage ungadluliselwa iminyaka emi-5. Ulwamkeleko lwamaphepha kwabathengi kunye nemoto mboleko ngeke isebenze. Bala kwi isisombululo esifanelekileyo zingasetyenziswa kuphela xa umboleki kufuneka ukuya kweli thuba ixesha kweentlawulo kwenza ngokupheleleyo.

Ukuqala inkqubo mboleko, kufuneka ubhale ileta eya yebhanki ingxelo yezizathu, ukubonelela onke amaxwebhu axhasayo. Kuya kulandelwa kwaloo nkqubo kufuneka yenziwe yonke imihla ubuncinane kwiveki enye nababolekisi bakholisa "ukuqonda" oko kwenzekayo, okokuqala. I-Bank angala roller ngaphandle ingcaciso. Kuyo nayiphi na imeko, amathuba sokwandisa ixesha lesivumelwano ingaphezulu kokuba ziphole.

Imithetho emithandathu of Uzinzo Kwezezimali

Ngaphambi kokuba capital mboleko, kuyimfuneko ukuhlola ubuchule babo banikele ingqalelo. Bank, ukuhlalutya iinkcukacha zabaxhamli, khathalela kuphela ngokubuya. A lwabiwo elungeleleneyo yaye ke esemgangathweni ngokuphila kwithuba kwesivumelwano kufuneka zibonise mboleki.

1. Bala ubungakanani kangangoko intlawulo yenyanga. Iingcali zithi ukuba kufuneka ingadluli-40% yengeniso. Iibhanki ukunciphisa eli umda kwi-20-30%. Kule izibalo, kubalulekile ukugxila kuphela kwingeniso yangoku. Oko kukuthi, ukuba emva kweenyanga ezintandathu ukulungiselela ukuphunyezwa kwesicwangciso umsebenzi oceba ukufumana uchatha we-50% omvuzo, kungcono ukuba ulinde okwethutyana iinyanga ezi-6. Okanye ucacise xa zisenza ii-odolo inqanaba yakho yokwenene ye ingeniso mzuzu. Hi ndlela leyi, kule ntlekele UK post-2010, iibanki balelwa ukuba akhuphe mboleko, imali leyo kathathu yingeniso yonyaka mboleki.

2. Ukumisela ixesha ngeyona ndlela-mboleko, ezisekelwe ubukhulu intlawulo yenyanga.

Unxulumano phakathi kwezi zalathisi zimbini zitshintshile. Okuya uba mkhulu umsantsa gama mboleko, inowuthi intlawulo. Kodwa kulo mzekelo, ibhanki kuya kufuneka ubuyele imali engakumbi, njengoko ukunyuka kwezinga lenzala esebenzayo ngonyaka. Kuthi emva kwexesha elide amathuba eliphezulu kakhulu iindleko ezingalindelekanga.

3. Yiba-mali eza kugcinwa.

ubukhulu kufuneka ibe phakathi ezintathu ukuya kwezintandathu iintlawulo zenyanga. Esi sixa angagcinwa eziinkozo obekwe kwi ngotyalo kusetyenziswa xa ngenxa yesizathu esithile awukwazi ukwenza intlawulo ngendlela ngexesha. Kwezinye iimeko, le mali eza kugcinwa Unokuphepha uyibolekiweyo.

4. Yenza mboleko yokuthenga izinto ezibaluleke ngokwenene.

5. Zazi izinto ezingenamsebenzi.

Ngexesha izibalo musa onke imali efunyenwe ecaleni ezincinane. Ingakumbi oku kusebenza kwintlawulo yenyanga. Ukuba awufuni abuyele isitya penny ngenyanga lwangoku, kuya kufuneka uhlawule isohlwayo, nto leyo zibalwe njengepesenti imali mboleko. Ukongeza, ezi abathengi zizakuwela kungena udidi neye ngolunya. Fumana mboleko kwixesha elizayo kuya kuba nzima kakhulu.

6. kwemali Early kunye nokwanda iintlawulo zenyanga - ayikho into efanayo. Kwimeko yokuqala, intsalela mboleko ngomdla umva ebhankini ngoko nangoko intlawulo enye. Kodwa ukuba ngumthengi nje iinyanga ezimbalwa ilandelelana imali ehlawulwe ngaphezu amisiweyo, ayithethi amnike ilungelo lokuhlela ngokuzimeleyo i "ikhefu credit".

isiphelo

Kubomi kukho iimeko ezahlukeneyo. Imfuneko mali ezongezelelweyo kungenzeka ngesiquphe. Kaloku, ukuba umntu imali ukuba 'ngosuku olunethayo ", ngoko ke akukho mfuneko yokuba ukungena ematyaleni. Indlela ukufumana imali-mboleko ngaphandle reference? Lula, ukuba unalo umthombo uthotho yengeniso. Isizathu uye kuphela ibhanki yakho yokundwendwela ashiye isicelo. Imfuneko nakumqinisekisi isenokuvela xa uthenga indlu, imoto, okanye ukuba imali ethathwa kuphuhliso loshishino. Kwezinye iimeko, iibhanki ifuna sethi isezantsi yamaxwebhu, ngokukhawuleza kwakhona izicelo ze enze isigqibo. Nantsi indlela yokufumana baseRashiya a ngetyala.