Loan of Sberbank eRussia - imibhalo kanye netimo tekutsi ukuthola

Ekuqaleni kwekhulu lamashumi amabili nanye, umuntu ehlelwa kwencika omkhulu imali, futhi lokhu kungenxa yezizathu eziningi. Ubani ofuna bephila ngokunethezeka uma beqhathaniswa, nge okunethezeka yacht kanye ifulethi nge ukubukwa ezibiyele, abanye abantu kufanele bafune imali emfundweni yezingane, kanye nabanye abafuna ukuziqalela amabhizinisi abo, kodwa abanayo dolobha uqale-up. Yini umuntu ukuba ixazulule izinkinga zabo imali? Njengoba sazi, kudinga ukuba sikhungo credit.

Ibhange ngokukhethekile ukubolekisa elikhiphe futhi credit

Kwabaningi imalimboleko Sberbank - iyona kuphela indlela yokuphuma. Kungani kukhethwa ezimweni eziningi walapho liwele ngakhona isakhiwo sezimali?

Kwasekuqaleni ngoba ine ibhizinisi idumela lihle, okuyinto usuqala amashumi eminyaka. Ngaphezu kwalokho, ku arsenal of isikhungo yasebhange kukhona ezinye kuhle ezikhangayo kusukela iphuzu Ngenxa izinzuzo izinhlelo abolekise, futhi yilowo nalowo ngenxa yena angakhetha ukhetho ezifanele kakhulu.

Yiqiniso, ngaphambi kokuba anikezwe isikweletu kusukela Sberbank - a "dreary" inqubo ezimbalwa, njengoba bembalwa kakhulu abantu bathanda ukuqoqa imibhalo ukuthola imali. Nokho, izisebenzi zasebhange kukhona akunakusetshenziswa awufuni ukuba bazilethele ukulahlekelwa kwezimali, ngakho ukuba abeke izimfuneko ezikhethekile ababoleka. Kaningi kunezimo lapho amakhasimende aqotho ngempela wenqaba ukukhipha imali.

Okwamanje, imalimboleko Sberbank for semali ngeke kwenziwe ngaphandle izinyathelo zesikhashana, okungukuthi, isivumelwano isibambiso, into abonakala, njengoba umthetho, izibambiso kanye ingcebo.

izidingo

Ngiqinisekile abaningi bayawazi yokuthi iyiphi nohlaka zezimali akuthathi imali "noma ubani nje uyafaneleka." Ngokwesibonelo, boleko Sberbank ikhishelwa abantu izakhamuzi Russian noma isimo non-abahlali, kodwa wathola ilungelo elisemthethweni ukuba ziphile futhi zisebenze ezweni lethu.

Kukhona futhi imikhawulo yobudala. abantu bangase bathembele loan, okuyinto engu-21 ubudala. Kulokhu, izakhamuzi ezingaphezu kwezingu-60 eminyakeni, njengoba umthetho, abavunyelwe ukuba babe loan, kodwa babe nethuba ukusizakala isimiso esikhethekile credit. abasebenzi Bank nazo njalo bahlolisise umsebenzi zabasebenzi umboleki sika. Ngokwesibonelo, uhlela ukuhlela imalimboleko Sberbank. izimo ngesikweletu liyasho ukuthi kufanele ngisebenze ibhizinisi efanayo izinyanga okungenani eziyisithupha. Hlale ukhumbula lokhu. Futhi, inani lakho lomsebenzi phezu Kule minyaka emihlanu edlule kufanele kube okungenani unyaka wonke.

Futhi-ke, ukuthola imali-mboleko yendlu ku Savings Bank, imigomo nakho ezimweni eziningi kukhona disadvantageous iklayenti, kubalulekile ukuthi umuntu ine umlando credit lihle. Uma ngokungazelelwe kuvela ukuthi esikhathini esidlule wenza out loan kwenye inhlangano yezimali bese akusho ngaso sonke isikhathi ukuba akhokhe ngesikhathi ngenxa ukuvuthwa kwaso, ungamangali uma sisebenti Savings Bank uzokuphendula yini wenqaba.

amadokhumenti

Ukuze ukwazi ngaphandle kokulibala, ukuthola imali-mboleko, qaphela ukuqoqwa kwemibhalo, okuyizinto ezidingekayo ukuze kokuqedwa kwalo.

Okokuqala kuzodingeka kamazisi (ikhophi yokuqala). Futhi kuzodingeka yokunikeza ikhophi yencwadi umsebenzi, okumele oyi-eqinisekisiwe ngumqashi. Ngaphezu kwalokho, kufanele uhlinzeke isisebenzi Imininingwane sesikweletu lemali engenayo (2-PIT). Yiqiniso, ukubhaliswa yibhange imali, kumele ube nezinga elifanele iholo.

Kufanele kuqashelwe ukuthi uhlelo ngamunye loan inikeza uhlu kwemibhalo edingekayo, thola ulwazi mayelana kungaba ku Savings Bank of zokuqhubekisa.

ibheyili

Okwamanje, ukuze ukunciphisa ngokulahlekelwa kwabo zezimali isakhiwo credit abakhuthalele usebenzisa isikhungo isiqinisekiso. Nokho, kukhona umehluko wemisindo nemiqondo yamagama athile.

Kulabo abanesifiso sokwazi kanjani ukuthatha imalimboleko Sberbank ngaphandle guarantors, kukhona izindaba ezinhle eyodwa kuphela: uma sikhuluma isamba esingeqile 45 000, akukho "iziqinisekiso" akuzona kudingekile.

Esimeni lapho umuntu alindele ukuluthola 45 000 kuya ku-300 000, kufanele acele ukusekela co-Osayinile. Uma iklayenti idinga ruble 700 ayizinkulungwane 000, ukuthi kufanele alethe guarantors ezimbili, kahle, lapho idinga imali enkulu imali - Kushone abantu abathathu Kumelwe ume njengoba guarantors we ukusebenza kwezimali umboleki. Kulokhu, umholo wakho akumele ube aphansi kunelazo. Phawula futhi ukuthi isikhungo sezezimali likhipha ukutusa esiningi (kusuka 300 000), kuyodinga ukudluliswa kwempahla njengoba izibambiso.

Kunoma ikuphi, ukubolekwa imali enkulu Savings Bank ngaphandle guarantors - lena inganekwane ezingaphezu kuka ngokoqobo.

Kanjani ukuba uhlole "kochwepheshe" futhi "nebubi"

Ngaphambi kokuthatha isinqumo sokuthi ukuboleka imali ebhange, kufanele sonke sicabange kahle futhi wenze zonke izibalo. Ukuthatha ku-credit nezibopho, Kumelwe ukhumbule ukuthi umholo wakho kufanele kube ngokwanele ukuba ukukhokha isikweleti ukuba ibuyiswe ngesikhathi. Kungenjalo, ungakwazi bambe bona ezijulile izikweletu imbobo.

Ngakho, ufuna ukunquma yini noma cha udinga imalimboleko Sberbank. Bala "ezingaba" umqondo, ungasebenzisa wokubala ekhethekile ingasetshenziswa esemthethweni web Ingosi ye-Savings Bank. Ukusebenzisa leli thuluzi, uzodinga faka ikheli lokuhlala yakho, ibonisa ubukhulu ezilinganisiwe imalimboleko kanye ukubuyiswa kwemali isikhathi sakho.

Ngiqinisekile abaningi ukucabanga ngokuthi singakanani kuzobiza imalimboleko Sberbank. Bala manje uboleka iyiphi inketho, kungaba a mortgage noma umthengi loan. Uma wenze Imiphumela ukubala ke ungafaki ke ekamelweni bese uqala lokuqoqa imibhalo okukhulunywe ngayo uhlelo incwajana obolekisayo.

Imihlobo ezifanele kunayo obolekisayo

Namuhla, inombolo nenqwaba yabantu, kuhlanganise engu umhlalaphansi, ingenzele loan umthengi nge ezingeni emiholo laphansi. Ukuze ukusetshenziswa imali in ruble umboleki ubophekile ukuba akhokhe 19% ngonyaka futhi ngo-14% ngonyaka ngo izimali zakwamanye amazwe. elithi loan iminyaka 5.

Futhi, kukhona manje amakhasimende amaningi zithatha credit izidingo esiphuthumayo, ngoba amagama ayo azihloselwe ukuthola guarantors kanye nokubhaliswa impahla njengoba izibambiso. Usayizi izinga 21% in ruble futhi 15% lwemali. abolekise nkathi iminyaka 5.

Ngaphambi ukudweba phezulu boleko, ahlaziye ngokucophelela zonke nemibandela wo hlinzeka ukugwema esizayo inhlawulo, isijeziso, onakalelwe.