Iyini inkokhelo encane ekhadini lesikweletu futhi ke kubalwa kanjani?

Enye yezindlela elula kunazo zokukhokha namuhla amakhadi epulasitiki. Ethandwa kakhulu phakathi nayo yonke imikhiqizo olunikezwa amabhange, ama-credit card kukhona. It ngempela Liyindawo elula - konke ukuthenga zingenziwa ngaphandle kokucabangela khona imali esikhwameni sakho. IBhange inikeza izitolimende izinsuku ezimbalwa kweshumi. Lokhu kuvumela uhlelo ekusetshenzisweni kunazo zonke izimali atholakalayo.

Uma ufuna ukwenza izinkokhelo "plastic" kwaba nje elula, kodwa futhi enenzuzo, udinga ukuba awaqonde ngokucacile indlela yayo yesenzo. Okokuqala, kubalulekile ukuqonda ukuthi usemkhankasweni wokusungula inkokhelo esincane ekhadini lakho lesikweletu.

Uyini umnikelo ubuncane

Umnikazi wanoma iyiphi i-credit "plastic" phambi isikhungo sezezimali has izibopho ezithile. Njalo ngenyanga kwi "loan" akhawunti udinga imali okungenani ingxenye angabuyisela izikweletu okuholela. Izinkokhelo kufanele ukwenza umnqamulajuqu. Lokhu kuqinisekisa solvency wekhadi futhi inikeza kuye ithuba ukusebenzisa amathuluzi anjalo esikhathini esizayo.

nanembuyiselo okunjalo olungaphelele uthishanhloko wabiza inkokhelo encane ekhadini lakho lesikweletu. Isikhungo ngasinye zezimali usetha isithakazelo yayo futhi inquma maturities ngabanye. Sizigcine efiselekayo kakhulu, ngoba uma umnqamulajuqu yokwenza imali, ebhange unelungelo ukusebenzisa imali kokuhlawuliswa noma ukushaja isijeziso.

Kusukela lapho ukubaluleka ukukhokhelwa kuncike

Lesi sikhundla uyilungiselelo credit sinika umboleki ku esigabeni sokuqala kakhulu ubudlelwane - it is impela ebekiwe inkontileka. Ngokuvamile, inkokhelo encane ekhadini lakho lesikweletu ifana ambalwa amaphesenti isamba semali esichithwa ngumuntu esikhathini esedlule. Ngokuvamile kuba 5-10%, kodwa kungaba zihluke kakhulu. IBhange lingakhetha imali isilungisiwe. It kufanele wenze njalo ngenyanga kungakhathaliseki ukuthi singakanani sasetshenziswa. Akukona elula kakhulu, ngakho izikhungo zezimali isikimu ezinjalo isetshenziswa njalo.

Inkokhelo ubuncane kwi-credit card ayikanye eyohlobo futhi yakhiwa amanani eziningana:

• isithakazelo, wancika ukubaluleka langempela esikweletini ngenxa kwesikhathi sokukhokha;
• ingxenye yemali ebolekwayo, umboleki selivele lisetshenziselwa ngesisekelo tariff;
• ikhomishini futhi izimali ezibekwe inkontileka;
• esihle, isigwebo noma izinhlawulo enqwabelene yibhange phezu ezizenzakalelayo inkontileka umboleki.

"VTB 24"

Isikhungo ngasinye sezimali sinikeza izimo yayo ukushaja inkokhelo encane ekhadini lakho lesikweletu. "VTB", isibonelo, zihlanganisa lezo zimali lapha:

• 3% of the debt aphethwe ngosuku lokugcina lokusebenza enyangeni;
• iphesenti sezikhalazo owedlule ezimali kwesikhathi ngokuhambisana ikhadi izinga.

Inani ezidingekayo kumele kwenziwe kuze 18:00 kosuku 20th lwenyanga kulandela obika. Uma ikhasimende ofuna ukusindisa inzalo emalini ebolekwa, kubalulekile ukusebenzisa isikhathi somusa, okuyinto izinsuku 50. Uma ubuyela imali ekhadini ngalesi sikhathi, inzalo ngeke.

Uma ukhohlwa ukukhokha izikweletu singakapheli isikhathi esibalulwe, kodwa babe etholakalayo ikhadi lemali ebhange, isikhungo sezimali izozama imali lapho. Esimweni lapho lokhu kungaphumeleli, ibhange ziyophoqeleka ukuba ukushaja isigwebo.

3-5 izinsuku ngaphambi ukuqala "X amahora" ebhange ithumela amakhasimende ayo nge Isikhumbuzo lemali izikweletu, inani lemali elincane imali kanye nesidingo yokukhokha kwabo ngesikhathi esifanele.

"Tinkoff"

Uma ufuna ukuba izinkokhelo ezinjalo "plastic", kumelwe kulungiselelwe ukukhokha kancane xaxa. Inkokhelo ubuncane ekhadini lakho lesikweletu "Tinkoff" ibalwa ngamunye futhi ingafinyelela 8%. Kulokhu, lemali zokukhokha kungenzeka ruble esingaphansi anamakhulu mathandathu. Lokhu kusho ukuthi ngisho ngabe usebenzisa imali engaphansi, akhokhe kusadingeka.

Ukuba akhokhe ngesikhathi kule mephu, lokhu kufiseleka kakhulu. Uma kungenjalo, ngeke izinhlawulo isetshenziswa okonile.

• ngokokuqala inhlangano yezimali uzobajezisa ngoba ruble 590 kuwe;
• ukwephulwa yesibili kuzoholela inhlawulo ruble 590. + 1% inani langempela ezikweletini;
• ngalabo ababanjwe nokuphula imigomo lokukhokha okwesithathu, sokumukisa ruble 590. + 2% izikweletu.

Ubuqili Savings Bank

Inkokhelo ubuncane ekhadini lakho lesikweletu Savings Bank kubalwa okusekelwe inani lokugcina ezikweletini. Ngokuvamile, izikweletu Imininingwane Kulinganiselwa 5%. Lesi sibalo ubukhulu yokukhokha kokuncane kunakho konke kuya kwenziwe ekhadini ngosuku oluthile. Nokho, ngezinye izikhathi, ibhange isebenzisa wesifunda ngamunye bese ubeka isithakazelo somuntu siqu ukuze iklayenti othize.

Uma kuwukuthi ukuphela kwalesi isikhathi esibalulwe inkontileka, imali kwi-credit card kanye asamukelanga, ibhange uyazicabangela izibopho ukuzithola benganelisekile nakancane futhi isigwebo ishaja kuze 37%.

Kanjani futhi kuphi ukuthola inani eliqondile

Futhi ingabe uyazi kanjani ukukhokha okungenani ku-credit card yakho? Lapha kukhona izinketho eziningana yilezi:

• Okokuqala, ungafaka isicelo kunoma yimuphi igatsha lebhange lakho. Ungakhohlwa iphasiphothi yakho, uma kungenjalo kodwa akwenzeki lutho.
• Uma sesikweletu yakho inikeza ikhono lokusebenzisa yasebhange intanethi noma mobile ekhethekile inikeza lonke ulwazi ungathola ngaphandle kokushiya ekhaya. Vele uvule i-computer yakho, iya ekhasini kwe-akhawunti yakho siqu kwi website ebhange futhi uthole lonke ulwazi olufanele.
• Xhuma i-sms-kwaziswe. Namuhla, amabhange eziningi zinikeza kwakungenzeka lokhu. Ngakho uyohlale wazi nini futhi malini wena okudingeka uzenze.
• Ukuze uthole ukuthi yini inkokhelo esincane ekhadini lesikweletu udinga ukwenza ngenyanga wamanje, ungabiza emgqeni esishisayo ebhange. Ngemva ukukhuluma opharetha futhi ziveze njengoba wekhadi, ungacela kuye yonke imibuzo yakho. Ngezinye izikhathi uhlelo inikeza ikhono sokushintsha ingxoxo imodi ithoni futhi ugxile imiyalelo kohlelo.
• izikhungo eziningi zezimali akunika ithuba ukuxhuma i-imeyili incwadi yezindaba yanyanga zonke. Ngo-e-mail yakho iyoba khona isaziso esibhalwe elinemininingwane izindleko kumephu kanye nenani ukukhokhelwa ubuncane.

Uma kungekho izindlela engenzi ivumelane wena noma ukungabaza ukunemba kanye ngokunemba lemali ebekiwe, ungakwazi axazulule bebodwa.

Ukubalwa Amaphesenti ezikweletu

Uma une wokubala kanye nesivumelwano sokubolekwa imali, ungakwazi ngesandla ukubala inani ukukhokhelwa ubuncane. Okokuqala udinga ukwazi ukuthi yakhiwa:

• lemali eyisamba yokuqala eyisikweletu;
• inzalo for ukusetshenziswa imali;
• inhlawulo noma izinhlawulo, uma ikhona.

Kukhona 2 ongakhetha eziyinhloko zendlela ukubala inkokhelo encane ekhadini lakho lesikweletu yilezi:

• ku iphesenti izikweletu ekhona;
• ngenani lemali empeleni owenziwe yi-client.

Ukuze uqale, cabanga ukhetho lokuqala. Le ndlela esetshenziswa amabhange eziningi, kuba zithandwa kakhulu.

Ngokwesibonelo:

• ibalazwe isethi ilimithi ka-ruble ayizigidi 100, futhi ngesilinganiso 15% ngonyaka .;
• ngenyanga edlule (izinsuku ezingu-30) ikhasimende oye wachitha ama-ruble ayizigidi 23 .;
• inkontileka sihlinzekela imali ubuncane 6% isamba semali esele.

Ikhumbula zonke lezi nemingcele, ukubala inani ulula:

• 23.000 x 6% = 1380 - lemali eyisamba yokuqala eyisikweletu;
• 23000 x (20%: 365 × 30) = 378 - inzalo enqwabelene;
• 1380 + 378 = 1758 ruble. - esiphansi senkokhelo.

Bangaki wathatha njengoba omuhle

Le ndlela buyiselo wesikweletu le bakudala kakhulu kanye kucace abanikazi. Konke silula: ngaphambi kokuphela kwenyanga kufanele ubuyele ikhadi akhawunti lemali yonke wachitha esikhathini esedlule, kanye ukukhokha inzalo ukuboleka.

Uma usebenzisa idatha isampula ephakeme, kubukeka sengathi lokhu:

• 23 000 - ukuthi bachitha imali engakanani esikhathini esedlule;
• 23000 x (20%: 365 × 30) = 378 - inzalo enqwabelene;
• 23 000 + 378 = 23 378 ruble. - ngenani eliphelele isitolimende olandelayo.

Ngemva kokwenza inkokhelo ukuze iklayenti uvula kabusha nomkhawulo inani ruble ayizigidi 100, futhi kungaba futhi usebenzise credit "plastic".

Iningi ungabali

Nakuba kubonakala lutho izibalo eziyinkimbinkimbi kukhona, kuvela e umkhuba ukuthi kahle ukubala inani ukukhokhelwa okungenani bebodwa akwenzeki ngaso sonke isikhathi. amabhange abaningi babeka isikhathi somusa, isibonelo ezingu-55, futhi phakathi naleso kungekho inzalo enqwabelene. Kulokhu, ukubala konke ngokwakho kungaba nzima kakhulu. Phela, kudingeka umkhondo okwenziwayo ngamunye ngendlela efanele ukukhipha i wakhe isikhathi somusa futhi ukucacisa lokho inombolo kubalulekile ukubiza inzalo.

Uma isuswa ikhadi cash, iphesenti zizoshintsha kakhulu, ngokuvamile iba ephakeme. Uma ukhokhe nge ikhadi isikhungo ATM engesiyo umlingani yebhange lakho nawe, cishe, imali eyengeziwe lizokhokhiswa. Kukhona nezinye izindawo ubuqili eziningi.

Ukuze wenze lokhu, le isikhungo sezezimali ihlelwe neminyango lonke lapho wonke umuntu ecabanga futhi ilawula ezishintshayo. Ngakho uma ngasizathu simbe sokungabaza ngokunemba lemali uhlolwa we inkokhelo encane, indlela elula ukuxhumana ebhange bese ucela uhlu eningiliziwe ukubala. Umphathi wachaza ngokuningiliziwe indlela futhi lavelaphi zonke engadingekile, Ngokubona kwakho, ngisho nesenti.