Loan ubuncinane umyinge wenzala: phi ukuya?

Ukuba asebenzisane ibhanki amalungelo; kuyimfuneko ukuba aqhelane inkqubo kweebhanki. Loan ubuncinane umyinge wenzala uya kuba khetho lulungileyo, kuba ngelo xesha akuyi kufuneka ukuba overpay. Ke kaloku ezinye iibhanki zinika iimeko ezifanayo, kufuneka nje ukukhetha efanelekileyo. Kubaluleke kakhulu buyanceda isicelo Sberbank, kodwa ngokuqhelekileyo abathengi ufuna kuqokelela amaxwebhu ezahlukeneyo bangenele inkqubo elide yobhaliso.

ukuya phi?

iibhanki ezininzi ezisebenza eRashiya, benikela yawo. Kodwa asingabo bonke bephela iyingenelo ebantwini. Iinkqubo ezahlukeneyo ngokwenkqubo yokubhalisa yesivumelwano, amazinga mali. Mboleko inzala ubuncinane kufuneka akhuphe ebhankini lukhangelwe. uluhlu lwabo kubandakanya:

1. "Sovcombank".
2. "Renaissance Credit".
3. "Credit Ekhaya".
4. Sberbank.
5. "Citibank".

inkampani nganye inikeza indlela ngamnye. abaxhasi payroll banelungelo ukufumana iimeko ezithandwa ngentsebenziswano. Sikuncede ebhankini esanda kuvulwa kule ngingqi. La maziko kutsala abathengi iinkqubo inzuzo, ngoko ukufumana imali-mboleko kwi ubuncinane umyinge wenzala uya kuba wokwenene.

Amaxesha amaninzi ipesenti encinane ngokufihla izohlwayo ezinkulu, iindleko ezongezelelweyo kunye ne-inshorensi. Kuyimfuneko ukuba usebenzise iinkonzo ezo egcina imali musa ukuyifihla egqithisileyo. Ukunyaniseka kulo mbandela ubaluleke kakhulu.

Indlela yokufumana ipesenti ubuncinane?

Ukuze ufumane imali-mboleko kwi ubuncinane umyinge oqhelekileyo wenzala, kufuneka ukhethe inkqubo ekunene. Sokubhalisa yomboleki yeentengo zemboleko kuyimfuneko:

• kuba imivuzo eliphezulu;
• ukunikeza izibambiso;
• kuba umnini imbali elungileyo ngetyala;
• kutsala guarantors.

Oku kukuvumela ukuba ngokukhawuleza ukuya kuyo zonke iimvavanyo, wafumana impendulo eyakhayo. Ngoko ke abaxhasi zenziwa iimeko zivuma. Izinga elide yokususwa kunciphisa. Mboleko e amaxwebhu-2, nto leyo zikhutshwa usuku 1, kufuneka ipesenti ephezulu. akhawunti zebhanki ukuxatyiswa kwemisebenzi, Iziseko zeentsapho. Kuyimfuneko ukuba ukugcwalisa ngenyameko ifomu, musa ungaphoswa kusiba ebalulekileyo.

ipesenti esezantsi

Ungafumana asinike; ngokuba apho izinga langoku-10% for credit yabathengi. Le pesenti isezantsi inokuba ngaphezulu. Izinga ngeenxa 15-20%. A nani ngaphezu-20% akujongwa impahla kuluncedo.

Kummandla ngamnye amazinga ahlukeneyo. Ngoko ke kufuneka ukuba uqhelane kunye neziphakamiso beebhanki eziliqela, ukukhetha ilungelo. Kufuneka ukuba sijonge inkqubo ngqiqweni inzuzo ngenxa yokuba amaziko ezemali akayi usebenze ilahleko. It ayinqweneleki ukusebenzisa abancedisa, njengokuba uninzi lwabo luthatha ipesenti.

mboleko ekujoliswe

mboleko Injongo phantsi le pesenti isezantsi ithagethi eMoscow i mboleko olubiza kakhulu. Umboleki Lowo akukho izicwangciso ezithile, lizisa umngcipheko ngenxa ebhankini. Ukuba ufuna imali yokuthenga imoto, imfundo okanye lokuphola uhambo, kufuneka ukhethe isicelo yesiphelo.

Kukho amathuba kuqhutywe mboleko ukuba unyango okanye emtshatweni. Ezo zifundo ziya kubasindisa 3-5% ngonyaka. Ukuba ufuna ukufumana isixa esikhulu, ngoko le nzuzo kuyoba obonakalayo. Kuba Iinkqubo ekujoliswe kufuneka uxwebhu olongezelelweyo, kwakunye njengesiqinisekiso sokuba iimali zisetyenziswa ekujongwe.

Iintlobo-mboleko kwi-Savings Bank

Sberbank inzala kunenzuzo-mboleko. Lo mbutho unika iintlobo ezininzi mboleko:

1. Umthengi. Iyafumaneka iimfuno zemihla ngemihla. Ixesha lininzi - engama-25.
2. Izindlu. Nayo iya kufumana izindlu ezithengiswayo kwisakhiwo esitsha okanye ukwakha indlu yakho. ixesha lokuhlawulwa elilinganiselwa - ukuya kutsho kwiminyaka engama-30.
3. Imoto. Mboleko anikwe ukwenzela ukuthenga yeemoto zobuqu. gama-mboleko - ukuya kwiminyaka-5.

inkonzo nganye inayo ubhaliso yayo awohluke. Iinkcukacha ezingaphezulu malunga ngazo lungafumaneka kwi-website okanye kwi-ofisi apho elunxwemeni lomlambo. Ukwenza nayiphi na imali-mboleko ibandakanya kokusayina isivumelwano, equlethe imiqathango kunye neemeko.

Ukufumana lokuthenga

Xa Savings Bank uyakwazi ukufumana imali-mboleko ukuya umhlala phantsi ipesenteji ubuncinane. mboleko ibhalwe collateral kunye siqinisekiso. Inani eliphezulu 1.5 million engange. ixesha Intlawulo yi kwisithuba seenyanga ezi-3 - 5 iminyaka. Ukuze ufumane imali kufuneka balungiselele amaxwebhu ngaphandle software wesithathu:

• isicelo;
• ipaspoti;
• isiqinisekiso sobhaliso lwexeshana;
• emisebenzi kunye mali yengeniso.

Ukuba ufuna isixa esikhulu, kufuneka ukuba imeme guarantors. Xa enjalo imeko nivuke ku-3 miliyoni. Isigqibo sithathwa yibhanki kwiintsuku 1-10. Kule inzala Savings Bank-mboleko ukuze phantsi phambi real estate akananto. Emva koko, isixa esikhulu sibonelelwe.

Bokuqonda iinkonzo

Ukuba umntu akukho a client asisigxina Sberbank, izinga iya kuba malunga 19-20%. Xa usenza i mboleko lwemali egqithisileyo iya kuba-15%. Imali ubuncinane ngetyala kwi-Savings Bank amawaka 15 engange, kwaye ubuninzi -. 750 amawaka engange .. Ukuba kukho kukho kabini mali lungiselelo. Ithuba evuma yiminyaka-5.

iimeko zivuma ziyafumaneka ukuze abathengi rhoqo. Izinga liya kuba ngaphantsi nge-8-10%. Ubuncinane kwaye eliphezulu iza kuba kwinqanaba elifanayo. Kubonakala ukuba egqithisileyo loba lincinane.

I-inshorensi

Le nkonzo kuluncedo neebhanki, nina baloyikayo ukufa okanye ukulahleka umthamo yomxhasi. Ngokuqhelekileyo, isixa iintlawulo kuyafana umsebenzi, kodwa ayikwazi ukuba ngaphezulu kwe-3 million. Engange. Izinga imalunga 2-3%, kodwa umxhasi ngasinye kokuba imisiwe ngamnye.

-Inshorensi ayisosinyanzelo. Ukuba ibhanki athi enze isivumelwano kuchaphazela sisombululo, ukholelwa ukuba kube. Nokuba inshorensi asikhethwanga, koqhubekeko intengiselwano akayi kutshintsha.