Isikweletu sokwethenjelwa ku-Sberbank

Akunakwenzeka ukuthuthukisa ibhizinisi lakho ngokuphumelelayo ngaphandle kokutshalwa kwezimali okungeziwe, futhi ukubolekwa kwe "Trust" kungasiza lapha ngaphandle kokubambisana okuhlinzekwa yi-Sberbank futhi kungaba yindlela engcono kakhulu yokuxazulula izinkinga zezezimali.

Kungani kubhekwa ukuthi isikweletu asiyona inketho?

Ngokushesha noma kamuva, osomabhizinisi abaningi baqala ukudinga izimali ezibolekiwe. Kodwa, kukholelwa ukuthi imali yesibhanki yasebhange ingathatha abambalwa, ngoba ukukhokhelwa kwenyanga kwanele ngokwanele. Imalimboleko engaphephile "Ithemba" kusukela ku-Savings Bank ithi okuphambene. Kungaba yindlela engcono kakhulu yokuxazulula izinkinga ngemali, ngoba ukukhokhwa kwenyanga ngesikweleti sama-ruble ayizinkulungwane ezingu-400 esikhathini esiyiminyaka emithathu kuyoba yi-ruble eyizinkulungwane ezingu-15 kuphela.

Yini enye eyinkinga yokuthola mboleko?

Kunzima kakhulu ukuthola osomabhizinisi ongakaze afake isicelo sokuboleka imali. Akunakwenzeka ukuthuthukisa ibhizinisi ngaphandle komthombo wangaphandle wezimali. Kuze kube manje, imakethe iyaqhubeka ihlinzeka ngemali yokubolekisa amabhizinisi amancane, Kodwa empeleni akuwona wonke amaklayenti azohamba ngemigomo ehlinzekwayo. Akukhona nje kuphela ukuthi lesi sithiyo singukukhokha okuphezulu ngenyanga, okushaya ephaketheni lebhizinisi, ngakho-ke ibheyili kufanele inikezwe. Ngokungeziwe, izinhlelo zokusebenza zibhekwa njengesikhathi eside, futhi kuphakanyiswe amaphakheji amakhulu amadokhumenti.

Yiziphi izikweletu?

Ngokuvamile, osomabhizinisi bathatha isikweletu ekuthengeni izimpahla, bakhange amakhasimende, bathathe izinto zokusebenza, futhi bakhule noma banwebe ibhizinisi. Amabhizinisi amancane ngezidingo eziphuthumayo ngokuvamile acela imali encane - kuze kube yi-ruble ayizinkulungwane ezingu-500. Ngesikweletu seminyaka engama-400 iminyaka emithathu, ukukhokhelwa kuyoba yi-ruble eyizinkulungwane eziyi-15, uma uthatha imali "Trust". I-Sberbank inikezela le mali ukuthi ibuyisele imali leyo, engakwazi ukukhokhela iningi lamabhizinisi amancane.

Yimiphi imigomo ye-loan "Trust"?

Lolu hlobo lokuboleka ngenye yemalimboleko engabizi kakhulu ebhange Izinsizakalo zamabhizinisi amancane. Lokhu kungenxa yokuthi ihlanganisa izimfanelo ezibaluleke kakhulu - ukutholakala okusheshayo nezindleko ezingabizi. Kuye ngezikhathi zokubhalisa, inzalo izoba kusuka ku-18.5 kuya ku-19.5% ngonyaka. Iphuzu elibaluleke nakakhulu futhi ukuthi umboleko awudingi ukubambisana okungeziwe, okungukuthi, ukubambisana, kuzokwanela ukunikeza kuphela isiqiniseko. Isikhathi esiphezulu lapho isicelo sithathwa khona izinsuku ezintathu, okusiza ukwenza le nqubo ibe lula kakhulu uma imali idinga ngokushesha.

Isiphetho

Ngamanje eRussia ngokuklonyelwa kwebhizinisi elincane hhayi kakhulu ngemikhiqizo efanelekayo. Ekugcineni, uma uhlola yonke imininingwane ebolekwa yi-"Trust" mboleko, kuvela ukuthi uma kunesidingo esiphuthumayo semali nokungabi khona kwempahla engashiywe njengezibambiso, lokhu kungenye yezindlela ezingcono zokuxazulula izinkinga zezimali ezikhulayo nokuthuthukiswa kwebhizinisi. Ngaphezu kwalokho, ukungabikho kwamakhomishana kwenza kube lula kubo bonke osomabhizinisi. Ukukhokhwa kwenyanga, okubekwe isibambiso "Trust" Sberbank, kuzoba yi-ruble eziyizinkulungwane eziyi-15 kuphela, kanti, njengoba sekushiwo ngenhla, akukho mfuneko yokuhlinzekwa kokubambisana.