Utyalo-inzuzo: ngokutsha iimeko, inzala kunye nohlaziyo

iibhanki Modern ngeenkqubo ezininzi ezahlukeneyo dipozithi. Kuba ngamnye kubo iimeko zayo, ngoko ke inzala phezu kwabo kuya kuba ezahlukeneyo. Kodwa iziko mali ngamnye zizalisa inzuzo ezifanelekileyo iinzuzo eziphezulu. Ukuze khetha umbutho oluthembekileyo, kufuneka ucinge izinto ezininzi.

Ukukhetha ibhange

Le Iidipozithi inzuzo kufuneka ukuphumeza oko ebhankini ekhuselekileyo. Ukuza kuthi ga ngoku, amaziko ezemali ethandwayo ezifana Sberbank kunye VTB24. Abantu abaninzi bakholelwa ukuba le mibutho akuyi kuchaphazela imilinganiselo, njalo ngobukroti kuthwala imali yabo umdla Akuyongenelo ngokupheleleyo. Kodwa ibhanki ethembekileyo lowo inxaxheba kurhulumente kwinkqubo inshorensi idipozithi.

Nokuba kwiziko mali iya yimali okanye kulandelwe ukuhluthwa kwelayisenisi, abagcinisa uya kufumana imali yabo. Le yokudlala bukhulu inshorensi million 1.4 engange. Ngoko ke, kuhle ukuba ayahlule mali kwaye uyizalise kwimigangatho eziliqela. Customer ingxelo ibonisa ukuba kuyimfuneko ukutyala kuphela emva kokuqinisekiswa ngenyameko leziko zemali. Kuphela koko kufuneka Ungakhathazeki ukuba ukhuseleko imali yabo.

Khetha isicelo

iidipozithi inzuzo kufuneka izinga efanelekileyo. Kodwa ipesenti ephezulu akuthethi nenzuzo. Konke kuxhomekeke kubukhulu mali kunye nezinga ebizwayo. Kufuneka kukhunjulwe ukuba umyinge wenzala kuxhomekeke kubungakanani ixesha lokugcina. Ngokuqhelekileyo, amaziko ezinkulu zemali ukuseka ubhejo encinane iidiphozithi, kunye nemibutho ezincinane umtsalane kubathengi umdla omkhulu. Kodwa kufuneka ukhethe ngononophelo iziko, njengokuba ezinye iibhanki musa ukuthatha inxaxheba kwinkqubo inshorensi. Kufuneka ukhethe imibutho eliphakathi-ertyisi, izinga yakhe phakathi 14-18%. Le pesenti kulungisiwe nezinejika. Lokuqala modified ukuba ukunciphisa kwaye kungandisa lonke idipozithi.

capitalisation umdla

Used 2 iinketho accrual rate:

• ekupheleni ukulungiselela ixesha lonke;
• emva kwexesha elithile, ezifana nyanga zonke.

Le ndlela yokugqibela ngokuba nkulu. Inokuba yenziwe nyanga zonke, kwaye kanye ngekota nganye, ngonyaka ngamnye. Le iidiphozithi inzuzo, njengoko inani apho le nzala iye ibalwe, ukunyuka. Ukuba capitalisation kwenzeka njalo, kusilungele, ngakumbi kubathengi. Ngokutsho reviews kuyacaca ukuba olu khetho ukhetha abantu abaninzi.

Imali kunye wemvula kunye notsalo

iidipozithi inzuzo zezi:

• ongxamisekileyo;
• imfuno.

Le ndlela yokugqibela kuthathwa ukuba ibe lula ngakumbi. Umxhamli angasoloko zifune imali yabo. Kodwa senkonzo enjalo ebizwayo ipesenti encinane. Ukuziqhelisa, kucacile ukuba imveliso ixhomekeke kwimali yedipozithi kunye lokukhula. Kungcono ukuvula idipozithi ithuba elide.

iidipozithi elide lokonga lonyuselo. On ujongo yesibini, uyakwazi ukubeka imali, kuqala - akukho. Ukuba uvula idipozithi elide, emva koko umxhasi ufuna jaju phaya, oko kukuthi, amathuba Ukuphelelwa ngumdla okanye sonke isixa esifunekayo. Ngokutsho reviews kucacile ukuba zombini ezi iminikelo wawufuna.

khetha lwemali

Umxhamli kufuneka ukumisela iyunithi malini. On iidipozithi amazwe thembisa ehlise, abathengi abaninzi baxhamle iinkqubo engange. Ukhetho engcono kungaba ukukhomba lwemali kunye nokunyuka kwamaxabiso encinane. Iingcali zikholelwa ukuba into enqwenelekayo ukwahlula igalelo ezimali eziliqela. Kwezinye imibutho, lenze iidipozithi multi-lwemali.

iidipozithi inzuzo eyenziwe amatye anqabileyo. Kudla kusetyenziswa platinum, mbala, isilivere negolide. Le ukhetho enkulu xa iidipozithi ixesha elide, kuba ixabiso eziphathekayo ukukhula kuphela. Ngaphambi kokungena intengiselwano kufuneka babe nolwazi kunye ikhontrakthi. Banks for imisebenzi ukuguqulwa thatha ipesenti encinane, uya kwaziwa ukususela ikhontrakthi.

yebhanki yokonga

Ukutyala, ungakhetha Sberbank. igalelo inzuzo kuthiwa "Gcina-line." Emhandzini kwaso yi 6-7,7%. Ukuze uvule idipozithi ezifunwa yi-attachment kwezigidi ezi-2 engange. Umzekelo, ungenza zenza into kangangonyaka malunga nomlinganiselo oyi-7.3%. uya kudlula nini eli xesha, le ngxelo iya kuba 2.150.745 engange. Le japan ifunyenwe kunye zeemali ze umdla. Ngesicelo inzala asuswe nyanga zonke.

Le yeyona inzuzo iidipozithi ebhankini, kuba umxhasi ufumana ingeniso ngokuthe ngcembe. Ukuba wenza isivumelwano yamanye amazwe, umphumo iya kwahluka iidipozithi engange. Kufuneka uhlaziye akhawunti yakho ayikho ngaphantsi kwe-100 000 zeerandi, kwaye kule minyaka mithathu ingeniso iya kuba $ 7 000. Ngenxa kubaxumi ibhanki leyo eziluncedo ezininzi zithetha ngaye kakuhle.

Ibhanki "Credit Ekhaya"

Fumana ingeniso igalelo abaninzi baya kwenza nzuzo. "Ekhaya Credit" inikeza inkqubo yayo "unyaka Luyingenelo." Kuphela oko unikwa ithuba loku-odola imali ngaphandle kokulahlekelwa umdla. ukukhupha imali ayikwazi nomntu. Ukuba usafuna kuqokelela imali phambi kokuba ekupheleni kwekhontrakthi, ibhanki iya kuhlawula 0.1% ngonyaka. Le lomxhasi imali evela engange-1 000, yaye inani eliphezulu ayikho kangako. Umyinge yi-7,75%. Ipesenti lifakwa kwaye watshintsha ebudeni bexesha. abathengi abaninzi oluxhamlileyo kule nkqubo, kuba ncomo ngayo kuphela ezintle.

VTB24

Le iidipozithi kakhulu inzuzo engange ziquka inkqubo VTB24. Njengoko lingalungiswa izixhobo simahla kangangexesha elimisiweyo kwi umdla. akuyomfuneko rate idipozithi ukulungiselela ixesha lonke.

Inzala ibalwa nyanga zonke. Ngaba zemali kunye nemali ehlawulwa kwi-akhawunti eyahlukileyo. ukupheliswa Early kunokwenzeka kuphela ngosuku 181. On idiphozithi "Luyingenelo" ixhuzulwa 7,02%.

"Gazprombank"

Lo mbutho unika ukukhupha igalelo "UMbono", nto leyo ilingana izinga-8%. Ukuba bazobe zeedollar, ngoko ke inzuzo iya kulingana kwi 1.2% kwaye euro - 0.1%. Ungatyala iminyaka 3 Usuku olu-1. Ubuncinane engange 15 000. Investments kuyimfuneko ukwenza kanye kuphela, xa kuvulwa. Nhoza Partial akuvumelekanga. ekhulwini Income ahlawulwa emva kokuphela kwekhontrakthi. Ipesenti inokuba nomahluko ngokuxhomekeke kwisixa nexesha. Izinga-8% isetyenziselwe ukuba idipozithi ivulwa kule mali engange million 1 iintsuku 181.

"Rosselkhozbank"

It inika iinkqubo eziliqela kuloo ebhankini, kwaye omnye wabo - "Inzala Kwangaphambili". Inika igalelo iintsuku 395 okanye 548. Ubuncinane uyakwazi ukubeka 3000 engange, kwaye ubuninzi alipheli. Inzala iya kubalwa ngosuku olulandelayo ukuze yonke loo mali. Mali idluliselwe khadi, vula kwi "Rosselkhozbank".

Ukuze nizalise igalelo engenakwenzeka. Ukuba uvula ngayo iintsuku 395, umlinganiselo iya kulingana 7,2%, kwaye 548 - 7.4%. Ezingaphezu kwe-50 000 engange simahla ikhadi kwentlawulo "Amur ihlosi" kunye isivuno kwe-7% ngonyaka. iminikelo nganye nenzuzo uneempawu eyakhe imiqathango yobhaliso. Phambi kokuba uvule kuyo, kufuneka ukuba uqhelane kunye neziphakamiso yeebhanki eziliqela, uze ukhethe enye.