Loan at ubuncane senzalo: kuphi ukuya?

Ukubambisana ebhange kwaba inzuzo, kubalulekile ukuba bajwayelane Uhlelo ebhange. Loan at ubuncane senzalo kuyoba lesikahle, ngoba ngaleso sikhathi ngeke baphile ukuze overpay. Manje ezinye amabhange ukunikela kwezimo ezifanayo, badinga kuphela ukuze ukhethe ezifanele. Kuyinto kunenzuzo kakhulu ukuba zisebenze Sberbank, kodwa ngokuvamile amakhasimende ufuna ukuqoqa imibhalo ehlukahlukene ibhekane inqubo eside sokubhalisa.

Kuphi?

amabhange amaningi ezisebenza Russia, ukunikela imigomo yayo. Kodwa akuwona wonke okunenzuzo ukuba abantu. Izinhlelo zingafani ngokoMthetho ukubhalisa yesivumelwano, izamba amazinga. Loan at ubuncane zenzalo Kudingeka ukhiphe ebhange ihlolwe. uhlu Bahlanganisa:

1. "Sovcombank".
2. "Renaissance Credit".
3. "Ekhaya Credit".
4. Sberbank.
5. "Citibank".

Inkampani ngamunye unikeza indlela ngamunye. Payroll amaklayenti Unelungelo ukuthola izimo ezikahle ngokubambisana. Ungakwazi ubheke ibhange asanda kuvulwa esifundeni. Lezi zikhungo ukuheha amakhasimende izinhlelo inzuzo, ngakho ukuthola loan ngesikhathi esincane senzalo kuyoba yangempela.

Ngokuvamile inani elincane lomphakathi wabo ukufihla izinhlawulo ezinkulu, izindleko ezengeziwe futhi umshwalense. Kuyadingeka ukusebenzisa lezo amabhange ukuthi musa ukufihla ngokweqile. Ukwethembeka kule ndaba kubaluleke kakhulu.

Ingatholakala kanjani iphesenti ubuncane?

Ukuze uthole imali-mboleko ngo-ubuncane senzalo, udinga ukukhetha uhlelo kwesokudla. Uma ubhalisa umthengi credit kuyadingeka:

• babe amaholo aphezulu;
• ukuhlinzekela eseduze;
• ube ngumnikazi umlando omuhle credit;
• ukuheha guarantors.

Lokhu kukuvumela ukuba ngokushesha zidlule lonke uvivinyo, abantu basabela ngezindlela ezinhle. Ngakho amakhasimende ahlinzekwa izimo ezikahle. Isikhathi eside imvume izinga incipha. Ukubolekwa kwemali kweyesi-2 Imibhalo, okuyinto ekhishwe ngosuku olungu-1, kufanele iphesenti eliphezulu. akhawunti yasebhange futhi umsebenzi ubudala, isakhiwo umndeni. Kuyadingeka ukuba ugcwalise ngokucophelela ngesimo, ungaphuthelwa yimuphi umzuzu obalulekile.

amaphesenti okungenani

Ungathola izipesheli, okuyiwona lamanje 10% yomthengi credit. Amaphesenti okungenani angaba phezulu. Izinga nxazonke 15-20%. Isibalo ngenhla 20% akubhekwa impahla ezisizayo.

Esifundeni ngasinye ngamazinga angafani. Ngakho kudingeka simazi kangcono iziphakamiso amabhange eziningana, ngokukhetha ilungelo. Kufanele ungabukeki Uhlelo yayenza ngokungacabangi inzuzo ngoba izikhungo zezimali ngeke isebenze at ukulahlekelwa. Kuyinto engathandeki ukusebenzisa abaxhumanisi credit, njengoba abaningi babo ukuthatha iphesenti.

ukubolekisa okubhekiswe

loan Injongo ngaphansi iphesenti ubuncane ilitshe eMoscow kuyinto loan ezibizayo. Obolekayo ongenazo izinhlelo ezithile, presents kwabo engozini ngoba nje ebhange. Uma udinga imali yokuthenga uhambo imoto, imfundo noma ezokungcebeleka, kufanele ukhethe isicelo uya khona.

Kukhona kungenzeka kucutshungulwa loan izinhlobo zokwelashwa noma umshado. Lezo zinhlelo ngeke umsindise 3-5% ngonyaka. Uma ufuna ukuthola isizumbulu ke lokhu inzuzo kuyoba obonakalayo. Ukuze izinhlelo ezibhekele kudingeka imibhalo eyengeziwe, kanye isiqinisekiso sokuthi asetshenziswa izimali njengoba kuhlosiwe.

Izinhlobo loans Savings Bank

Sberbank isithakazelo nenzuzo ubhekene nenkinga yezimali. Inhlangano inikeza izinhlobo eziningana ukubolekisa:

1. Umthengi. Iyatholakala izidingo zansuku zonke. elithi Maximum - engu-25.
2. Ezezindlu. Ngalo ngeke zithole ingcebo esakhiweni esisha noma indlu yakho. lenkathi yokukhokha - kuze kube iminyaka engu-30.
3. Car. Ukubolekwa kunikeziwe ukuthengwa izimoto siqu. Loan eside - kuze kufinyelele eminyakeni 5.

service ngalinye izici yokubhalisa lalo. Imininingwane engeziwe mayelana nabo zingatholakala kwi-website noma ehhovisi ebhange. Ukwenza iyiphi loan kuhilela ukusayinwa inkontileka, equkethe imigomo nemibandela.

Ithola umthengi credit

Esikhathini Savings Bank ungathola loan impesheni ngaphansi iphesenti ubuncane. ukubolekisa esibhaliwe ngokumelene eseduze futhi isiqinisekiso. Inani eliphelele ruble ayizigidi ezingu-1,5. isikhathi Inkokhelo ezinyangeni ezingu 3 - iminyaka 5. Ukuze uthole izimali kudingeka alungiselele amanye amadokhumenti ngaphandle isofthiwe third-party:

• isicelo;
• iphasiphothi;
• lwesikhashana Ukuqinisekisa kokubhalisa;
• umsebenzi kanye nenani engenayo.

Uma udinga isizumbulu-ke, kuyadingeka ukuthi ameme guarantors. Ngo ezinjalo esimweni ungathola kufika ku-3 million. Isinqumo sithathwa yibhange zingakapheli izinsuku 1-10. Esikhathini Savings Bank zenzalo emalini ebolekwe kungenzeka ongaphakeme ebukhoneni ingcebo izibambiso. Khona-ke, imali enkulu inikezwa.

Ezicashile amasevisi

Uma umuntu akuyona amaklayenti unomphela Sberbank, izinga kuyoba mayelana 19-20%. Lapho ukubolekisa ngemali lwemali ye ngokweqile kuyoba 15%. Inani ubuncane ukutusa Savings Bank kuyinto ruble ayizigidi 15, futhi esiphezulu -. Ayizinkulungwane 750 ruble .. Uma kukhona ilungiselelo amanani kuthiwa kabili. Isikhathi amakhredithi uneminyaka engu 5.

izimo ezikahle ayatholakala amakhasimende avamile. Izinga kuyoba aphansi by 8-10%. Inani minimum futhi esiphezulu kuyoba ezingeni elifanayo. It kuvela ukuthi ngokweqile kuyoba encane.

umshwalense

Isevisi kuyazuzisa amabhange, abamesabayo ukufa noma ukulahleka umthamo ikhasimende. Ngokuvamile, inani izinkokhelo iyafana duty, kodwa awukwazi futhi iyophakama kuno-3 million. Ruble. Ukukala imayelana 2-3%, kodwa yeklayenti ngayinye isethwe ngamunye.

Umshwalense akuyona impoqo. Uma ibhange baphikisa ngokuthi kubulawa isivumelwano kuthinta isixazululo, bakholwa ukuthi akufanele kube. Ngisho noma umshwalense alukhethiwe, ukuqhubeka kuthengiselana ngeke kushintshe.