Ongafuni ukwazi okuningi, noma Yini ibhange akusho hlola umlando credit

Ukuze umuntu unokuthile ukufihla, kubalulekile ukuthola ukuthi yimuphi yasebhange akusho hlola umlando credit. Inqubo evamile ukuhlola izicelo zanoma yiluphi uhlobo-credit kuhlanganisa izinyathelo ezifana beshaya kuhlola kwekusebenta kubukwe solvency futhi lithembekile ezingaba obolekayo, amadokhumenti ukuqinisekiswa, kanye nokuqapha ezingeni nokwethenjelwa idumela. Ngakho, abaqotho ebhange ngokwanele, futhi owokuqala izigaba ezimbili - umlando ubudlelwano bakho nabanye izikhungo zezimali, wayengeke abe nesithakazelo.

Omunye nje ungayeki imali obonakele credit umlando?

Umholi ongenambangi inani ukwehluleka kuyinto Sberbank. Uhlala isikhathi esiningi ukuhlunga labo abangase babe abathengi, ngakho Ukuhlolwa kwenziwa ezahlukahlukene, kufaka phakathi isipiliyoni wokuboleka.

Ivame babecabanga ukuthi amabhange, ngaphandle kokuhlola umlando credit - a "Russian Standard" futhi "Renaissance Credit" futhi "Home Credit". Nokho, akubona bonke ngakho elula. Lezi izikhungo zezimali kanye credit, naphezu eqolo kwemali izindleko bavame ukunciphisa izingozi. By the way, ukuphathisa imali bazimisele amakhasimende iminyaka 21-27 kuphela bodokotela sezimali esitebeleni. Lapha yilapho singaba usizo kabi, ezifana Usizo iphepha, kanye lapho isicelo Sberbank.

Kuphi ukuthola imali e izinkinga kwezikweleti ifayela ngesikweletu?

Uma ukhathazwa ngalokho ibhange akusho hlola umlando credit, kusho ukuthi kunokuthile ukuze yesabe ekuxhumaneni kwabo sangaphambilini abakweletwayo. Indlela elilungile ukugwema simbe nelineni ezingcolile - le kholi ngoba loan okusheshayo. Lapho elikhiphe imikhiqizo enjalo ngokuvamile akanandaba noma iyiphi yemininingwane, nesikhathi kubhaUsa ithatha kancane - ukwaziswa okungekuhle nje akanawo isikhathi ukwenza ummeleli yomuntu obolekisayo. ukubolekisa Quick ongaxazulula izinkinga imali ngisho kakhulu "ichithekile" ebhange yekhasimende.

Kodwa noma yiziphi yasebhange akusho hlola umlando ngesikweletu? ukunganaki okunjalo abakweletwayo zihlanganisa lezo izikhungo ezisebenza ngqo Izitolo okudayisa anikeza izinkonzo zabo "ngaso leso sikhathi". Zilungiselele ukuthi ubungeke ukhokhe eziningi, futhi akukho ziqinisekiso isitolimende akufanele ukukudukisa.

Khumbula ukuthi abaqotho kakhulu umlando credit lamabhange - yibo lapho ukhona ikhasimende. esidlule yakho akanandaba labo izikhungo zezimali, nokunye ukuthi wazi impela eningi. Ngakho, ngokuvamile ngemali engaba bamshaya indiva ngomlando Ikhredithi iholo kanye nempesheni amaklayenti, zimali, ababoleka wangaphambili.

Udinga nje kuphela sizibonakalisa kahle kanye, bese ungakwazi Ungakhathazeki ngokuthi iziphi ibhange akusho hlola umlando esikweletu abathanda kuwo. yasebhange "Yakho" Kunoma yikuphi kuzokusa ngezandla ezifudumele. Khumbula ukuthi into ebaluleke kakhulu - hhayi nje ukuboleka imali, bese uzithola ngemibandela ukhululekile.

ukubolekisa Evumayo kulula ukubuyela, okusho ukuthi umlando wakho wokuthenga ngesikweleti, ngeke sibe sibi kakhulu. Yebo, futhi ibhajethi yakho ngeke zihlushwa ngokweqile avulekile. Ngakho-ke, abaqotho kubo kakhudlwana ngokucophelela ukuba amabhange kanye imali etholakalayo futhi uvikelekile ukubolekisa ne ubuncane senzalo kanye engabizi.