Luhlobo luni mboleko ukhetha?

Uboleka eRashiya, hayi kuphela lungohlulwa lube kwiindawo ezimbini: abolekisa ngemiyinge emincinci kunye corporate.

abolekisa Retail ibonisa mveliso zilandelayo:

• ukubolekisana Consumer. Olu hlobo mboleko luphawulwa ngokunika imali kubantu, abasebenzi salaried, iinjongo yabathengi (ukuthengwa zombane zasekhaya kunye nezinye izixhobo, intlawulo yemali, iicredit cards, njalo njalo).
• mboleko Car abantu. Olu hlobo mboleko kubandakanya kunikezelo imali ukuba abantu ukuba bathenge izithuthi. Ikakhulu iibhanki kukho umda - nokungakwazi ukuthenga ngendlela nezixhobo ezizodwa.
• Mortgage. Ukuthengwa mboleko real estate yokuhlala okanye non-zokuhlala. Lubonakala lizinga elisezantsi kakhulu xa kuthelekiswa nezinye iimveliso, kwakunye lokubolekisa ixesha elide (zomyalelo kwiminyaka 10-25).

Iintlobo-mboleko ukuba amaqumrhu asemthethweni le Russian Federation

Ngokungafaniyo line iimfesi ngetyala iimveliso yobambiswano banzi kakhulu. Ngokusisiseko, ungakhetha ntlobo zilandelayo mboleko ukuba amaqumrhu asemthethweni:

• Uboleka ukuthenga ezithengiswayo. Olu hlobo mboleko ivumela amaqumrhu asemthethweni ukuthenga non-zokuhlala zokuhlala ezithengiswayo. Ngokungafaniyo mortgages abantu na imiqathango lokubolekisa asezantsi kakhulu (iminyaka emi-5-10).
• Credit yokuthengwa kwezithuthi. amaqumrhu asemthethweni kunye noosomashishini babe nethuba lokufumana zombini iimoto kunye neelori, izithuthi ezikhethekileyo.
• Credit ukuba kuthengwe izixhobo - kakhulu ethandwa phakathi kwemibutho. Technology akemi, kangangokuba ukuvela kwezisombululo ezintsha entsimini imveliso yenza kube lula ukusebenza ngempumelelo nangobuchule. Ukufunyanwa izixhobo ngemali ayifumaneki kubo bonke. Bophula kufika ithuba ukuyithenga ngetyala. Eyona Imeko abonge ukuba kuthengwe izixhobo na igalelo umboleki ngokwakhe. Ngamanye amaxesha kunokuba-20 ukuya 50 ekhulwini kwimali-mboleko. Igama elithi-mboleko loo nto kwiminyaka engaphezu kwemihlanu.
• Credit ngenxa yokusebenza eyinkunzi. Olu uhlobo elifutshane elide mboleko. Injongo yale mveliso - wemvula of capital yokusebenza (ukuthenga impahla, izinto zokwenza imveliso, izibonelelo, njl njl).
• Ekhutshwe ebhankini engaphezulu - mboleko elifutshane. Uhlobo mboleko ngaphandle wammela amaqumrhu asemthethweni kunye noosomashishini. Ixesha le mboleko kwinyanga enye. imfuneko olugunyazisiweyo - a zero-ovadrafti ngenyanga nganye, kunye ukhumbuzo lwe kumda. Ngokusisiseko, iibhanki umise umda ngokuxhomekeke isantya nomthamo kwi-akhawunti yangoku. Ngamanye amazwi, a ovadrafti - lithuba lokuba aye thabatha kwi-akhawunti yangoku ngenxa mali ethile.
• Ukuyicazulula njengendlela uhlobo mboleko ezinikwa kubananisi isanda. Indima kahle kukuqinisekisa ukuba mali lwamashishini, ukuba inkampani bathumela impahla, nangenxa akukho ntlawulo. Enterprise-umthengisi ngokusekelwe izivumelwano ekugqitywe mfani-nye othengayo iya ebhankini kunye isicelo kahle. I-Bhanki ugqala meko yaye icebisa ukuba wenze intlawulo umnyinyiva kwempahla ukusuka othengisayo akayi kubuyela ebhankini. Ibhanki uhlawula umthengisi ngendleko ethile yempahla bathengisa, kwaye umthengi, ke, ebalwa akanguye umthengisi kunye yebhanki. Emva kokuba iintlawulo zokugqibela kumthengi ebhankini umthengisi ubuyisela okusaleleyo imali efunyenweyo iimpahla. Ngokuba lo hlobo siboleka lomthengisi uhlawula ibhanki ethile ikhomishini.