Loan of Sberbank of Russia - amaxwebhu kunye nemiqathango yokufumana

Ekuqaleni kwenkulungwane yamashumi amabini ananye, umntu sifumana ukuxhomekeka kakhulu imali, yaye oku ngenxa yezizathu ezininzi. Ngubani ofuna ukuhlala intuthuzelo, kunye tofo kwezikhephe kunye nendawo yokuhlala ngenjongo yokuba incwadi yesicelo, abanye abantu kufuneka bafune imali kwimfundo yabantwana, kunye nabanye ufuna ukuqala ishishini labo, kodwa babe bengenazo yezemali eyayisisiqalo-up. Yintoni umntu ukuze bacombulule iingxaki zabo zemali? Ngokuqhelekileyo, kuthatha kwiziko lamatyala.

Ibhanki kakhulu ukukhutshwa-mboleko kunye credit

Kuba baninzi mboleko evela Sberbank - yeyona ndlela kuphela ngaphandle. Kutheni ukhetho kwiimeko ezininzi liwa isakhiwo zemali?

Kwindawo yokuqala ngenxa yokuba igama ishishini abalasela, ezo lokwandisa eminyaka. Ngaphezu koko, xa lo yokugcina kwiziko logcino kukho abathile pretty enomtsalane ukusuka kwindawo ngembono kweenzuzo iinkqubo liboleke abanye, yaye wonke umntu kuba yena uyakwazi ukukhetha ukhetho kakhulu ifanelekileyo.

Kakade ke, imali-mboleko evela Sberbank - embalwa "esithukuthezi" inkqubo, njengokuba bambalwa kakhulu abantu bayathanda kuqokelela amaxwebhu ukuze bafumane imali. Noko ke, zasebhange abekho kwimeko andifuni esingasingisi ilahleko yemali, ngoko ukumisela iimfuno ezikhethekileyo kubaboleki. Lidla kukho iimeko xa abathengi aqotho wala ukukhupha imali.

Okwangoku, imali-mboleko evela Sberbank ukuba isixa esikhulu akunakwenziwa ngaphandle amanyathelo exeshana, oko kukuthi, isivumelwano isibambiso, into ezivelayo, njengoko umthetho, izibambiso kunye ezithengiswayo.

izidingo

Ndiqinisekile abaninzi banolwazi into yokuba nayiphi na isakhelo yezimali uthathe imali "nabani nje." Umzekelo, amboleke Sberbank ezinikwe abantu babe ngabemi Russian okanye kwi imeko non-abahlali, kodwa wafumana ilungelo elisemthethweni ukuhlala kunye nomsebenzi kwilizwe lethu.

Kukho kwakhona imiqathango kwi yobudala. abantu singaqamela kwi-mboleko, nto leyo eyi-21 ubudala. Kulo mzekelo, iminyaka abemi-60, njengoko umthetho, abavunyelwe-mboleko, kodwa kufuneka ithuba lokuba basebenzise yenkqubo eyodwa ngetyala. abasebenzi Bank nazo kusoloko balujongisise ngenyameko umsebenzi yabasebenzi yomboleki. Umzekelo, uceba ukwenza amalungiselelo mboleko evela Sberbank. iimeko credit ichaza ukuba kufuneka kusebenza kwishishini enye ubuncinane kangangeenyanga ezintandathu. Gcina oku engqondweni. Kwakhona, iyonke emsebenzini wakho kule minyaka mihlanu idlulileyo kufuneka ube nonyaka omnye ubuncinane.

Kakade ke, ukuze afumane imali-mboleko kwi-Savings Bank, imiqathango leyo kwezinye iimeko ezi disadvantageous iklayenti, kuyimfuneko ukuba umntu ngembali abalasela ngetyala. Ukuba ngesiquphe kwenzeka ukuba wenza kwixesha elidluleyo-mboleko kwelinye iziko yezimali kwaye akusoloko ukwenza iintlawulo kwangethuba ngenxa ebudaleni, ungothuki xa umqeshwa Savings Bank iya kuphendula wena wala.

imiqulu

Ukuze kuwe ngaphandle kokulibazisa, ukuze afumane imali-mboleko, qaphela nokuqokelelwa amaxwebhu, ezo eziyimfuneko ukuze igqibeke.

Okokuqala kuya kufuneka yesazisi (ikopi ye-original). Kananjalo kuya kufuneka ukuba zinike ikopi yale ncwadi yomsebenzi, ekufuneka pre-ingqinisiswe ngumqeshi. Ukongeza, kufuneka unikeze ngumqeshwa inkcazelo kwiziko bureaux isixamali sengeniso (2-NGOBUCHULE). Kakade ke, kuba ubhaliso mboleko ebhankini, kufuneka ube kumgangatho ofanelekileyo lomvuzo.

Kufuneka kuqatshelwe ukuba kwinkqubo nganye mboleko ngamnye inika uluhlu lwamaxwebhu afunekayo, ungafumana ulwazi malunga kunokuba kwi Savings Bank of materials.

sebheyili

Okwangoku, ukuze kuncitshiswe ilahleko zabo zemali isakhiwo zeentengo zemboleko ngenkuthalo usebenzisa iziko isiqinisekiso. Nangona kunjalo, kukho bokuqonda ethile.

Kuba abo banomdla kwi umbuzo ukuba indlela mboleko evela Sberbank ngaphandle guarantors, kukho mnye kuphela iindaba ezilungileyo, ukuba sithetha ngemali engadlulanga 45 000, akukho "siqinisekiso" Akukho mfuneko.

Kwimeko xa umntu alindele ukufumana ukusuka 45 000 ukuya-300 000, kufuneka acele inkxaso ye co-yaho. Ukuba umxhasi ufuna 700 000 amawaka engange, ukuba amhlise, eze guarantors ezimbini, kakuhle, xa ufuna isixa esikhulu semali - abantu abathathu umele ukuma njengoko guarantors lokuba nokwenzeka yemali mboleki. Kulo mzekelo, kufuneka ungabi ngaphantsi kunelazo ingeniso yakho. Kwakhona qaphela ukuba iziko zemali khupha ezi nkonzo yeentengo zemboleko mali ezinkulu (ukususela 300 000), uza kufuna ukuba ukugqithiselwa kweempahla besibini.

Xa kunjalo, imali-mboleko enkulu kwi-Savings Bank ngaphandle guarantors - le ntsomi ngaphezu ngokwenene.

Indlela ukuba bahlaziye "kwizazi" kunye "bawo"

Phambi kokuthatha isigqibo sokuba ukuboleka imali ebhankini, nonke ucinga ngononophelo kwaye wenze zonke izibalo. Ukuthatha on kwizibophelelo ngetyala, kufuneka ukhumbule ukuba yemali yakho kufuneka ibe yanele ukuba ahlawule ityala ukuze ibe seyibuyisiwe kwangexesha. Kungenjalo, unako umbe ngokwabo umngxuma ityala enzulu.

Ngoko ke, ufuna ukwenza isigqibo kufuneka ukuba okanye hayi imali-mboleko evela Sberbank. Bala i "amandla" ingcamango, ungasebenzisa ikhalityhuleyitha ekhethekileyo ingasetyenziswa kwi portal web ezisemthethweni Savings Bank. Ukuze usebenzise le sixhobo, kuya kufuneka ukuba ufake idilesi yokuhlala yakho, ibonisa ubungakanani obuqikelelwayo-mboleko kunye nexesha layo ngokosuku.

Ndiqinisekile abaninzi bacinga malunga nendlela kungakanani lubekelwe mboleko evela Sberbank. Bala ngoku eboleka naluphi na ukhetho, nokuba ngaba-mboleko okanye umsebenzisi-mboleko. Ukuba wenza iziphumo ubalo, ngoko musa ukuyifaka kule kwigunjana kwaye uqale ukuqokelela maxwebhu akhankanywe kule program kwincwadana yokubolekisa.

Iintlobo ezininzi efanelekileyo yokubolekisa

Namhlanje, inani elikhulu labantu, kuquka yobudala yomhlala-phantsi, benze imali-mboleko umboleki kwinqanaba elisezantsi yengeniso. Kuba ukusetyenziswa yemali engange ubolekayo unyanzelekile ukuba ahlawule 19% ngonyaka ne-14% ngonyaka imali yelinye ilizwe. elide loan iminyaka emi-5.

Kwakhona, kukho abathengi abaninzi ukuthatha ngetyala kwiimeko zeemfuno ezingxamisekileyo, ngokuba ngokwemimiselo yayo zenzelwe ukuba ukufumana guarantors kunye nokubhaliswa kwempahla yakho njengesiqinisekiso. Izinga Size yi-21% ngo-engange-15% kwi lwemali. Ixesha lokubolekisa yiminyaka-5.

Phambi kokuba wenze i mboleko, hlahlela zonke iimeko amalungiselelo alo ukuphepha izohlwayo elizayo, izohlwayo nokuhluthwa.