Ngubani akafuni ukwazi okukhulu, okanye ntoni na ibhanki akuthethi khangela imbali yekhredithi

Kuba umntu inento ukuzimela, kubalulekile ukufumana ukuba yeyiphi bank akuthethi khangela imbali yekhredithi. Inkqubo njengesiqhelo kuqwalaselwa izicelo nayiphi ngetyala luquka amanyathelo ezifana akore uvavanyo yokuhlawula amatyala kunye nokuthembeka isakhono mboleki, amaxwebhu okuqinisekisa, esweni umgangatho ukuthembeka elihle. Ngoko ke, sinyanisekile ebhankini ngokwaneleyo, kwaye amanqanaba ezimbini zokuqala - imbali ubudlelwane bakho kunye namanye amaziko ezemali, wayeya kuba nomdla.

Umntu nje nina musani imali kunye nembali credit ezimashakeleyo?

Inkokeli olungenangxaki kwinani lokungaphumeleli ngu Sberbank. Yena ichitha ixesha elininzi ixesha lokucoca basenokuba ngabaxhamli beenkonzo, ngoko ukuhlolwa lwenziwa ezahlukeneyo izinto, kuquka amava yokuboleka.

Oku kudla kucingelwa ukuba iibhanki, ngaphandle kokuhlola imbali yekhredithi - i "Standard Russian" yaye "Renaissance Credit" yaye "Ekhaya Credit". Noko ke, asingabo bonke elula kangaka. La maziko zemali kunye namatyala, nangona iindleko okuboleka zokuzicingela badla ukunciphisa imingcipheko. Ngendlela, ukuba owonithemba imali athe athanda abathengi kunye kwiminyaka 21-27 kuphela ebhalwe imeko ezinzileyo zemali. Oku apho kuza imidlalo, ezifana uNcedo kunye nephepha, kwakunye xa isicelo Sberbank.

Apho ukufumana imali kwi iingxaki amatyala kwifayile credit?

Ukuba ukhathazekile malunga nokuba yintoni na ibhanki swi khangela imbali yekhredithi, unento ukoyika xa benxibelelana yangaphambili babatyalayo. Indlela kangangoko ukuphepha ukumba nelinen elimdaka - nesimemezo mboleko ngokukhawuleza. Xa ukhupha iimveliso enjalo aphela rhoqo awunamdla naziphi na iinkcukacha, kunye nexesha kubhalisa kuthatha isuntswana - ulwazi negative nje ayinayo ixesha ukwenza ummeli mboleki. mboleko Quick bakwazi ukucombulula iingxaki zemali nkqu "ibhuqiwe" yibhanki ezininzi umthengi lowo.

Kodwa yintoni bank swi khangela imbali yekhredithi? ababolekisi nokunganaki ziquka ezo amaziko asebenza ngqo kwakunye neevenkile ezifundisa iinkonzo zabo "kwi-spot". Zilungiselele ukuba ukuba uza kuhlawula kakhulu, yaye akukho isavenge neziqinisekiso akufuneki kukulahlekisa.

Khumbula ukuba unyanisekileyo kwimbali ngetyala egcina imali - abo apho wena umthengi. ezidlulileyo lakho akanamdla kuloo maziko zemali, kwaye ngokunjalo nani ngokwenu niyazi lukhulu kuloo nto. Ngoko, ngokufuthi ababolekisi ezinokuba musa ukunikela ingqalelo kwimbali ngetyala kunyuselo pension abathengi, abatyali, owayesakuba kubaboleki.

Kufuneka kuphela sizibonakalisa kakuhle kanye, ngoko aninako sikhathazeke ngoko ibhanki swi khangela imbali yekhredithi kwaye abanomdla kuyo. ibhange "Yakho" kuyo nayiphi na imeko iza kukuthatha ngezandla ezishushu. Khumbula ukuba eyona nto ibalulekileyo - hayi nje ukuba ukuboleka imali, afumane phezu iimeko bekhululekile.

mboleko Elilungileyo lula ukuba babuyele kulo, nto leyo ithetha ukuba imbali yakho yamatyala akayi ukuba mbi. Ewe, kwaye ibhajethi yakho abaguli nezicelo avulekile. Ngoko ke, abalawulwa kubo ngononophelo ukuba neebhanki kunye nemali ekhoyo kunye nokonga imali-mboleko kunye nezinga lenzala minimum kunye neendleko-ngempumelelo.