Indlela yibhange imali engango elinomlando omubi wokukweleta futhi ephansi isithakazelo

Ngezinye izikhathi izimfuneko zokweboleka ongenziwa kuphela ngabantu base by imali ebolekiswayo ebhange. Ukunikezwa isisindo emakethe. Kanjani hhayi ukuthi usephutheni kukhethwa?

Uyithola kanjani i-credit?

ERussia kukhona uhulumeni nezentengiselwano izinhlangano eziningi, ngayinye alinikela izimo zalo siqu eliyingqayizivele. Isikimu ukuthola loan kuyafana e yisiphi isikhungo credit. Udinga ukukhetha isevisi, ukunikeza iphakethe kwemibhalo balindele isinqumo.

Bank kungadinga:

- iphasipoti, okufakazela izakhamuzi we Russian Federation;

- isitifiketi kumqashi mayelana amazinga okuphila zokugcina ezingu-6 ezidlule;

- ikhophi yesivumelwano umsebenzi noma uphawu eqinisekisiwe ibhizinisi;

- iphepha wesibili ukukhetha (ilayisensi, iphasipoti, kamazisi yasebusosheni yokushayela, njll ...).

Uma isamba semalimboleko mkhulu, kungase kudingeke:

- isiqinisekiso besithathu;

- eseduze ngesimo impahla.

Ukubolekwa ikhishelwa izakhamuzi Russian Federation ku kweminyaka emibili nengu-21 iminyaka engu-75. Uma le mkhawulo iphumelele ekupheleni ngokubambisana neNhlangano ebhange. Izimo, isikhathi somkhawulo kanye imibhalo ingase yehluke kuye ngesistimu uhlelo ezikhethiwe.

Ingatholakala kanjani credit umthengi? Loans Cash kungenziwa ekhishwe ruble, amadola noma euro. Zenzalo zincike lwemali. Imali ekhokhelwa ukusetshenziswa kwezimali waboleka liphansi uma unikezwe kugada ezengeziwe ngesimo isibambiso noma isiqinisekiso.

Veza

Uma udinga imali ngokushesha, futhi esikhathini ukulinda isinqumo ebhange akusi, ungaxhumana "Credit Cafe", "Imithombo Instant" nokunye. D. Lezi zinhlangano ukunikela amaklayenti abo loan ezincane izinsuku ezimbalwa ngesikhathi oyithandayo senzalo. Kanjani ukuze uthole ngokushesha loan? Vele uye "Bystrodengi" emsebenzini, ukuhlonza, ulwazi mayelana umqashi kwathi ingakapheli nemizuzu engu-20 eyolanda imali. Izinzuzo izinhlangano eziningi ezifana: isethi ubuncane kwemibhalo, isivinini eliphezulu izinqumo. Indlela ngokushesha uthole imali ngaphandle kwenzalo ukuze baseRussia? Eyesibili inketho - ukuze ujike ebhange, okuyinto wayeke kuthathwe imali-mboleko. Uma imigomo imali ayikashintshi, kungenzeka ukuthi nge isinqumo ukudonsa isikhathi eside ngeke.

Hlola ukuthi amabhange?

Phakathi kokucubungula isicelo ababolekisi kuqala hlola nokwanela idatha lemibuzo. Eminye imininingwane mayelana nalokhu ihlaziye ukuyeka izici .. Umnyaka umhlalaphansi nokubhaliswa umboleki abakuleyo ndawo engazinzile, njll ngamunye ipharamitha zohlelo lwemibuzo inikeza isikolo. Ngesisekelo lonke inani yasebhange enquma.

Lokho kufanele sinake bezikhali umboleki:

- the isamba ngokweqile;

- izinhlawulo yokukhokha sekwedlule isikhathi izimali ngoba befuna imbuyiselo ekuseni;

- zonke yaphansi kwinkontileka ezinqunyiwe omcane.

Indlela yibhange imali engango ngaphandle umshuwalense?

Easy, uma isamba semalimboleko incane. Ngokusho zoMthetho Federal "Ngo Ukuvikelwa Consumer Rights", umshwalense ophoqelelwe kuwukwephula umthetho. Lezi zimfuneko uyazikhethela, kodwa kungandisa inani lenzalo uma iklayenti enqaba amasevisi. Ngakolunye uhlangothi, lapho umcimbi insured umboleki uyithathaphi imali futhi sigweme izinkinga sokukhokha imali ebolekiwe.

idumela elibi

Bomnotho ka 2009-2010 kwashiya abantu abaningi ngaphandle imisebenzi. Ukulahlekelwa kuwumthombo wemali khona, abakwazi ukuba axazulule namabhange ku nezibopho zabo. Lokhu kubonakala umlando credit. Nokho, isidingo imali ezingavela nganoma yisiphi isikhathi. Kuphi futhi kanjani ukuthola loan amakhasimende "okubi"?

Izinkinga ezingavela ngenxa yephutha banal. Ngokwezibalo, 30% imali ikhokhwe ngasekupheleni ngenxa amakhasimende lokukhohlwa. Ngakho-ke, amabhange ngokuvamile anikele SMS inkonzo ukwazisa mayelana isikhathi izinkokhelo. Vumelana noma cha, enquma iklayenti. Enye into, uma ibhange alile credits, ebhekise umlando credit ezimbi umboleki akuyona ngisho nokuqaphela. Bese kuba khona ithuba ukuqinisekisa isicelo ulwazi credit bureau yonke idatha amakhasimende. idatha engalungile ezingelapheka. Ezinye loans amabhange daba, ngisho ababoleka "okubi", kodwa ngezinye eziphezulu zenzalo. Ukubuyela loan ngesikhathi futhi egcwele, ikhasimende angathuthukisa idumela lalo.

Ngiyajabula ubuhlobo bengena ebhange kanye, abantu besaba ukuya esikhungweni futhi. Futhi ukuzonda ngesizathu esihle. Ikakhulukazi ngoba amabhange unesithakazelo ukusebenza namaklayenti amadala. Kanjani ukuze uthole zokuthenga ngesikweletu ngawo ubudlelwane ziye spoilt esikhathini esidlule? Kanye nezinye izinhlangano. Amakhasimende abafuna ukuthuthukisa idumela labo ngokuvula emnyangweni credit ngesicelo ukwakha uhlelo olusha lokukhokha kanye ukuvumelana ubukhulu ukukhokhelwa. Amabhange unesithakazelo ukubuyela loan, ngakho-ke, madolonzima ukuhlangabezana.

Indlela azoqedwa

Thola loan Ngiyazisebenza umuntu oneminyaka engu-21 kuya ku-60, zonke ezinye izinto ukuba alingane, kube kuyinto kahle kulula. Nokho, isidingo imali ezingavela abantu yokuguga. Njengoba impesheni ukuthola loan? Ukuze imikhakha ezingavikelekile kakhulu zalo amabhange labantu bayatfutfuka izinhlelo nezimo ezikhethekile. Ukuze credit izikhungo, impesheni kukhona isigaba elikhangayo ababoleka, ngoba:

- bona umthetho, ehloniphekayo futhi abophe;

- banayo okungenani kanye umthombo elincane kodwa engaguquki imali.

Kodwa isikhubekiso ngoba ababoleka ingaba:

1. Ubudala. Ngesikhathi enkokhelweni loan lokukhokha komunye oyedwa Kufanele ube neminyaka ngaphansi 75 ubudala.

2. Izinga imali. Uma komthombo cash flow kuyinto impesheni umboleki sika yobukhulu enkulu loan akufanele ukubala. Uma engicabanga ukuthi angaba yikhasimende has ukuqhubeka ukusebenza noma ukuhlanganyela emsebenzini ebhizinisi, amathuba okuthi kuye okuningi. izimo abolekise iyokwehluka kuphela ngokuya. Zenzalo izohlala ezingeni elifanayo.

Esinye isici enkonzweni impesheni - ayimpoqo yomshuwalense yempilo yesikweletu. Ngakho, i-isikhungo sezezimali ongathwali izingozi ezihambisana ukufa okungenzeka iklayenti, okuyinto Kwakuyohlanganisani ezenzakalelayo loan. Kodwa ngisho Kulokhu, impesheni kungenzeka ancike esincane loan eside izinyanga ezimbalwa. Ukwandisa, udinga ukuheha yisiboniso abasha ezingeni lelisetulu engenayo. Kodwa lapha kuvela enye inkinga. Esimeni ukufa umboleki sika amafa akhe kanye nezikweletu zidluliselwa ku-oyisihlobo. Nakhu ukuthi uthole imali ngaphandle kwenzalo ukuze owayesethathe umhlala-phansi ngoba isizumbulu.

loan entshisakalweni khulula

Namuhla, amabhange eziningi zinikeza amakhasimende abo ukukhipha loan ku ngaphansi kwezimo ezimvunayo. Kubalulekile kakhulu ukuba siqonde lokho kwakusho ukuthini.

Kungenye into uma amabhange ukwehlisa izinga emalini ebolekwe okwesikhashana. izenzo ezinjalo ezingavamile futhi avame eliqhutshwa isidingo asebenzise izindlela kwegazi, privechennye ku ezifakwa nge Inani elincane. Enye into, uma ibhange inikeza ukukhipha loan ngaphansi "0%". Kanjani ukuthola loan ezithambile kulesi simo? Lutho. Iqiniso lokuthi yonke eMthethweni? "Ngo-amabhange nomsebenzi yasebhange" lisho ngokucacile ukuthi imalimboleko isibonelelo credit khulula isikhungo angenalungelo lokukuthola. Okuncane lenzalo kumele kube 0.01% ngonyaka. Kodwa kulokhu, amabhange iphoqe iklayenti ukukhipha iphakheji eyengeziwe amasevisi ikhokhwe, eziqala SMS isaziso nesiphetho umshuwalense wokuphila. Ngakho-ke ngaphambi ucabange indlela ukuze uthole "khulula" credit, ngokucophelela ukufunda imigomo yesevisi. Mhlawumbe, oholela kangcono ukuboleka at eziphezulu zenzalo, kodwa kungabikho izimali ezengeziwe.

Imali kwebhizinisi

Noma nini kungase kuphakame izidingo Ukuboleka osomabhizinisi hhayi kuphela abantu, kodwa futhi. Ngiyithola kanjani credit amabhizinisi? Kumelwe ukusebenzise ebhange, ucela ukuba ahlinzeke amakhophi amadokhumende lomthetho, izitatimende zezimali. Kuye lemali loan injongo, isinqumo kufanele senziwe phakathi kwezinsuku ezingu-7-30. Ngokuvamile, amabhange evulekile credit imigqa kumakhasimende ayo. Lezi zimali ingasetshenziswa ukuhlangabezana nezidingo zamanje, njenge nokukhokhwa izinto. Kulokhu, kwakungekho siqinisekiso sokuthi eyengeziwe kufanele ahlinzeke. Kodwa kukho kanjani ukuthola loan ngaphandle guarantors ukuze imali yokwakha emikhulu utshalomali, cishe akekho. Ibhange ngeke unike isizumbulu ngaphandle lwesithathu iziqinisekiso eceleni noma eseduze.

izinkinga

Iningi labantu ungaphakathi yokugqilazeka credit. I ukwehla of the ruble, inkokhelo encishisiwe, umsebenzi ukusikeka - zonke lezi izici ezithonya solvency ka umboleki. Impendulo isiba nzima amabhange. Kodwa kukhona isixazululo. Kunezindlela eziningana ongakhetha kuzona ngoba ekhuluma izikweletu ku loan. IBhange inganikeza isandiso yokukhokha ukuba abuyisele uthishanhloko, ukuvumela isikhathi esithile ukwenza isithakazelo kuphela, noma ukunweba inkontileka ukunikeza "credit iholidi." Inketho yokugcina kukalutshwana kakhulu.

Nezikweletu ukuhlelwa kabusha ngalendlela lelandzelako: enwetshiwe ukubuyiswa kwemali isikhathi nemali yokukhokha nyangazonke sinciphile. Kulokhu, kuyodingeka bakhokhe imali ngaphezulu isithakazelo. Kodwa lapho isimo uzothola engcono, sizokwazi ukukhokha ngaphambi boleko schedule.

Ungashintsha esimisweni sokukhokha imali esinqunywe ngokuvumelana imalimboleko. Ngokwesibonelo, isikhathi esithile ukuze ukhokhele loan nsuku ngekwata. Noma esifushane lenkokhelo kuyehla kube lemali oyifunayo bese kwandisa yakheke.

Uma lo muntu obolekayo ungaphakathi izinkinga zezimali, Singasebenza ebhange usizo. Kodwa ngenkathi isikhungo abolekise kutawugcizelela nokuvuleka ngemvelo izinkinga. Kuzosiza kuphela uma cabanga ngenkinga lesikhashana ezikhululekile. Uma isimo esibucayi, belulekwa ukuba uthengise izibambiso.

Ingatholakala kanjani UKUHLEHLISWA loan

Kungenzeka ukuthola "credit iholide" kungenziwa lelipelwe kwinkontileka yokuqala. Kodwa lesi sinyathelo kuphela kuhle ebhange. abantu Yemvelo ithuba hhayi ukukhokha izikweletu phakathi kwezinyanga 1-36. Ngemva ukubambezeleka ucingo ngale ndlela kwandisa elikhokhwayo futhi inkokhelo njengomphathi iphesenti. Ngakho-ke, ekuqaleni lezi amaholide kuzoletha izindleko ezengeziwe.

Uma lo muntu obolekayo namanje wanquma ukuthatha kuyiphefu, kuba okokuqala kudingekile ukuthola ibhange:

1) Ingabe lo avunyelwe ngaphansi inkontileka.

2) Ingabe kuzoba khona izinkokhelo ngesikhathi ukubambezeleka (ngokuvamile ibhange ikuvumela ukuba akhokhe isikweleti esiyinhloko, kodwa kudinga kokukhokha ngokushesha nesithakazelo).

Isifiso ukuthatha phefu uzodinga ukubhala: isitifiketi kumqashi ngokuthi uyabambezeleka ukuthola umvuzo, isitifiketi sengane sokuzalwa, incwadi kadokotela kanye uphethwe, nokunye ..

indlela ehlukile

Kunokucabanga kanjani ukuthola deferment ku loan, kuba Zama kangcono ukuze bavumelane ukwelulwa kwenkontileka. Mortgage lungaboniswa iminyaka 5. Ubuqiniso umthengi nemoto ukubolekisa ngeke zisebenze. Bala ngekhambi omuhle ingasetshenziswa kuphela uma lo muntu obolekayo has kuze kube kuleli qophelo isikhathi kwezinkokhelo umnyuziki asenzayo.

Ukuze uqale inqubo credit isandiso, udinga ukubhala incwadi ebhange nge isitatimende yezizathu, ukunikeza wonke amadokhumenti. Inqubo efanayo kufanele kwenziwe nsuku zonke okungenani yesonto elilodwa njengoba ababolekisi bathambekele "abaqondi" kwakwenzekani, okokuqala. IBhange ungenqaba rollover ngaphandle incazelo. Kunoma ikuphi, ematfuba ukunweba eside yesivumelwano ingaphezu kwe ukuthola nkululeko.

Eziyisithupha Imithetho Ukuzinza lwezezimali

Ngaphambi kokuthatha naleyo ebolekisayo, kubalulekile ukuhlola ikhono yabo ukuze banake. Bank, ukuhlaziya idatha ikhasimende, ubakhathalela kuphela mayelana nokubuya. Ibhajethi olinganiselayo futhi izinga lokuphila esingashintshi kuze kufinyelelwe esikhathini inkontileka kufanele ikhombise umboleki.

1. Bala ubukhulu elikhulu inkokhelo yanyanga zonke. Ochwepheshe zithi akufanele idlule ku-40% imali engenayo. Amabhange ukunciphisa lo mkhawulo kuya 20-30%. Ngo izibalo, kubalulekile ukugxila engenayo zamanje. Okusho ukuthi, uma ngemuva kwezinyanga eziyisithupha ngenxa kohlelo lomsebenzi ohlela uthole ibhonasi ka-50% omholo, kungcono ukuba bahlehlise ukuthengwa izinyanga 6. Noma ucacise lapho iyala ezingeni lakho langempela imali okwamanje. By the way, e-UK post-2010 esibucayi, amabhange baye sinqatshiwe ukukhipha mortgage, inani okuyinto kathathu umcebo umboleki.

2. Nquma ukuthi isikhathi elilungile imalimboleko, okusekelwe ubukhulu lokukhokha nyangazonke.

Ubudlelwano phakathi kwalezi izinkomba ezimbili emuva. Kukhula eside loan, the ephansi yokubhadala. Kodwa kulokhu, ibhange uyobuyela imali ngaphezulu, njengoba isilinganiso senzalo esisebenzayo inyuka ngonyaka. Ngokuhamba kwesikhathi awokuthi kakhulu izindleko ezingalindelekile.

3. Yiba Isikhwama Reserve.

Ubukhulu bayo kumele abe phakathi izinkokhelo zenyanga bathathu kuya kwabayisithupha. Le mali ingagcinwa ngokheshi ibekwe idiphozi futhi wasebenzisa uma ngenxa yesizathu esithile awukwazi ukwenza inkokhelo ngendlela esifike ngesikhathi. Kwezinye izimo, lesi sikhwama reserve uyogwema loan sokuqala.

4. Yenza loan ukuthenga izinto ezibaluleke ngempela.

5. Qaphela izinto ezincane.

Phakathi izibalo musa wokuqoqa imali oyitholile ohlangothini ezincane. Ikakhulukazi le osebenza ku inkokhelo yanyanga zonke. Uma ungenalo abuyele embizeni penny ngenyanga wamanje, kuzodingeka ukuba ngikhokhe inhlawulo, ebalwa njengoba amaphesenti isamba semalimboleko. Ngaphezu kwalokho, lezi amakhasimende ziyokuwa ngokuzenzakalela ku isigaba defaulters ezinonya. Thola loan esikhathini esizayo kuyoba nzima kakhulu.

6. buyiselo Early nokwenyuka izinkokhelo zenyanga - akuyona into efanayo. Esimweni sokuqala, ibhalansi yemali ebolekwayo ngesithakazelo ngabuyela ekhunjini ngokushesha e yokukhokha eyodwa. Kodwa uma ikhasimende nje kwezinyanga ezimbalwa ilandelana lemali ikhokhwe ngaphezu isethi, awusebenzi amnike ilungelo ngokuzimela ukuhlela "credit iholide".

isiphetho

Ekuphileni kuphinde etimeni letehlukene. Isidingo imali eyengeziwe singenzeka ngokuzumayo. Hhayi-ke, uma umuntu imali "ilanga lina", khona-ke akudingeki ukuba bangene ezikweletini. Kanjani ukuthola loan engabhekiseli? Kalula, uma une umthombo okusimeme engenayo. Kudingeka kuphela iya ebhange nge passport yakho futhi ushiye isicelo. Isidingo yisiboniso ezingase ziphakame uma uthenga ifulethi, imoto, noma uma imalimboleko esithathwayo ukuthuthukiswa kwamabhizinisi. Kwezinye izimo, amabhange adinga isethi ubuncane kwemibhalo, ngokushesha izicelo bese wenza isinqumo. Nakhu ukuthi ikhredithi baseRussia.