Uyithola kanjani i-credit card kanye nomlando omubi wokukweleta. Yikuphi Bank nezindaba amakhadi esikweletu ngomlando omubi wokukweleta

Ukuthola yiliphi ibhangi lesikweletu Ngemizuzwana. Izikhungo zemali ngokuvamile ube injabulo enkulu ekuhlinzekeni ukusetshenziswa yikhasimende yisiphi isamba kwezinhloso zenzuzo, okungase ngokuthi encane. Nokho, kwezinye izimo, kunzima ukuthola ikhadi lesikweletu umlando omubi wokukweleta. Udinga ukuthola ukuthi lokhu kuyiqiniso.

inqubo kokuhlola

Credit umlando - umfanekiso lonke ulwazi ngendlela esifike ngesikhathi ukhokhele loans langaphambilini, njengoba uhlobo lombiko. Lihlanganisa konke imikhiqizo credit, mortgages, kanye imbobo amakhadi. Abantu abaningi usuyaziqaphela umlando yabo ye-credit ngesikhathi kuphela nalapho bekusebenzisa kuya isikhungo sezezimali ukuthola elinye loan. Ngaphezu kwalokho, cishe akekho uyaqaphela ukuthi inelungelo isicelo esikhethekile kukhathalogu Central Credit Histories, lapho lonke ulwazi oludingekile mahhala okuzokhishwa. Nokho, kanye kuphela ngonyaka zigcina sivunyiwe ngaphandle kokukhokha ukwaziswa okunjalo. Uma kukhona isidingo ukuhlolwa amaningi izindaba ezinjalo, kuzomele akhokhe. Ngaphezu kwalokho, kunemiBhalo eminingana intanethi, lapho kungenzeka ngenkokhelo nesizotha ukuze uthole ulwazi oludingekayo mayelana nezinkinga loans esedlule, kanye ezihlukahlukene ukubambezeleka.

credit card

Ngakho, ulwazi olutholakalayo, kodwa igama lakho ngempela ohlwini amakhasimende ngokuthi "wakhathazeka". Nokho, lokhu akusona isizathu ukuba zigcwale amanzi, abanye Bank ikhipha amakhadi esikweletu ngomlando omubi wokukweleta. Kodwa kule sifika kancane kancane. Zonke amaphuzu kufanele kubhekwe ngokuningiliziwe.

Izindlela aphume isimo

Okokuqala, ungafunda indlela yokulungisa umlando credit. Ukusebenza kwalesi kungenzeka ngaphansi izenzo ezithile. Inothi ulwazi ingaqukatha bureau kuthi ube nakwabangenangqondo ezithile ebhange, kodwa ngiyazi ukuthi izikweletu zakho ezindala phindisela lilonke. Kulokhu, ungakwazi batusa ukusebenzisa esikhungweni credit, ukuthatha usizo lwakhe, ezizohlinzeka ulwazi mayelana nokusebenza komsebenzi nguwe ngaphansi kwalesi sivumelwano. Umculu, kumelwe ngokushesha athumele ukuba izindaba credit bureau ulwazi olungalungile ngawe ukulungiswa. Isicelo loan liyadingeka ukuze unamathisele ikhophi yale isitifiketi. Kulokhu, unethuba ukulungisa ulwazi olungalungile.

Inketho okunye

Uma ngizibuza indlela ungakwazi ukuthola loan ngomlando omubi wokukweleta, khona-ke kungenzeka ukuthi isimo simi ngale ndlela. Izinkokhelo emalini ebolekwe yako iba ihlongandlebe ngenxa yezizathu inhloso. Kulokhu, ibhange liyadingeka amadokhumenti oluzosiza njengoba isiqinisekiso lokhu. Ngokwesibonelo, kwadingeka ezinye uhlobo isifo noma iphutha iziphathimandla isikhathi eside ayitholanga iholo, futhi kungenzeka ukuthi kwenzeke empilweni yakho nezinye izimo kusukela isigaba force majeure. Uma ukwephula zingokoqobo, kunzima ukwenza crystal ecacile Umlando wokukhokha kwemali. Kodwa namanje ezingelapheka ngokwezinga ukuthola imali-mboleko kanye nomlando omubi wokukweleta. Amabhange ezinikeza ukubolekisa, bakwazi kangcono aphendule yamakhasimende enjalo, kunendoda ngubani inomlando omubi wokukweleta. Uma uxhumane nanoma yimuphi inhlangano yezimali ikhadi lesikweletu kungenzeka ukuthi ezinye zazo uthole ulwazi mayelana namakhasimende CI hhayi kusukela edeskini, okuyinto has ifayela kuwe.

Ukunikezwa emakethe Russian

Zonke izikhungo zezimali ziyadingeka ukuhlola idatha ku-credit imilando amakhasimende ezingase zivele, nje abanye abasebenzi kule akuzona eduze kakhulu. Ngezinye izikhathi eziningi ezimweni lapho abantu baye benza isikweletu enkampanini yokubolekisa Umlando wokukhokha kwemali okubi Savings Bank. Naphezu kweqiniso lokuthi kukhona impela ukuhlolwa olunzulu, abasebenzi ngokuvamile athambise isandla amakhasimende, ubanika lemali ezidingekayo izimali loan.

Ungakwazi ucacise inani amabhange ukuthi abonise le nkinga ukwethembeka ngokwanele, "Tinkoff", "Russian Standard", "Ekhaya Bank", Sberbank, "GE Money Bank", "Renaissance Credit". izindaba eziningi kanye nokubuyekeza avumele ukuba siphethe ngokuthi zonke lezi amabhange cishe ngaphandle kokulibala ukunikeza ikhasimende impendulo esiqondile, ngisho uma efuna ukuthola ikhadi lesikweletu umlando omubi wokukweleta. Kodwa-ke kufanele sihambisane kwezinye izimo ezithile kakhulu. Ungabona ngamunye izikhungo.

"Bank Renaissance"

Lapha, ikhasimende ofuna ukwazi ukuthi uhlele loan nomlando omubi wokukweleta inganikeza okufana ne iphesenti eliphezulu kakhulu, ngokuvamile kuba ngaphakathi 24-79%. Ngu umkhawulo wesikweletu ikhadi kuzokhawulelwa (ruble 300 000). On ukucabangela liyadingeka izinsuku 1-2, engasekho. I isikhungo sezezimali Ungacela iqoqo othize kwemibhalo, kanye isitifiketi obufakazela iholo lakho.

"Standard Russian"

Lesi sikhungo has kungenzeka ukukhipha amakhadi esikweletu ngomlando omubi wokukweleta, athathe isikweletu nge umkhawulo ruble 450 000 ngaphansi 36%. Isikhathi somusa ihlala ezingu-55. Kungenzeka ukuthi akudingeki inikeze isitatimende engenayo, kodwa imibhalo, ngaphezu iphasipoti, ibhange kuzodinga ncamashi.

Bank "Tinkoff"

Lokhu kuvumela uhlelo isikhungo credit ukuze uqiniseke ukuthi kukhona ikhadi lesikweletu elinomlando amabi lemali ikhasimende (300 000) ngesikhathi lokuthenga ngesikweletu futhi inzalo okuyinto impela high, 42% ngonyaka. Kulokhu, inhlangano ngeke ucele amadokhumenti zinikeza ubufakazi imali umboleki sika. Ngokusho ibalazwe inkathi abolekise concessional kuyoba ezingu-55. Uma isinqumo esihle-ke ikhadi izotholakala ngokoqobo ngosuku olufanayo.

Ukwenza i-credit card online

Le sevisi itholakala namuhla engemaningi amabhange. Uma isicelo loan ngendlela ezikhungweni embalwa, lokhu ukwandisa amathuba ngawe ukuthi maduze uzoba lesikweletu elinomlando amabi omunye wabo. Futhi ngempela elula. Kungenzeka ukuthi uzokwazi ukuthola ikhadi lesikweletu Umlando wokukhokha kwemali okubi ebhange, lapho ungenayo ifayela okubi, ngakho akudingeki ukuba akhokhe inzalo omkhulu loan.

"Tinkoff"

Ibhange isebenza maqondana yokubhalisa wesikweletu ivuliwe izicelo inthanethi, futhi okhuthele. isiphakamiso sakhe angacabanga ngenxa yokuthi abaningi credit card etholakale ngaphandle ukuvakashelwa ebhange, okungukuthi, ngaphandle kokushiya ekhaya lakho. Delivery ukuze iklayenti siqondiswe ekhelini elicacisiwe isicelo. Sokubolekwayo enjalo engu olufunwa umboleki ingakapheli iminyaka 30-40, futhi lokhu ngesikhathi lapho uzimele okuzisholo iminyaka 24-65 ubudala. Ukukhethwa kwaba "Tinkoff Bank", okuyinto sincika lesikweletu esikhungweni kungaba abantu abaneminyaka engu 18-70.

izindlela

Kunezinye izindlela yokusebenza ukukhipha loan nomlando omubi wokukweleta.

Ingabe lokhu kwenziwe esitolo. Lokhu kubizwa ngokuthi yi Express credit card. kokuthola lilula sayo, kodwa isithakazelo kuwo kakhulu.

Ivunyelwe iphendukele izinkonzo broker mortgage. Kulokhu, amathuba okuthi kokuthola ikhadi ziziphilela okusezingeni eliphezulu, kodwa kuyoba izinga emangalisayo eliphezulu isithakazelo phezu kwayo, njengoba broker ngomsebenzi wakhe uthatha ikhomishana sasivumela okuqinile.

Uma uphatha ukuthola ikhadi lesikweletu umlando omubi wokukweleta, singasijabulela bakuncome ukuyisebenzisa kahle, zama hhayi abaphazamisa izimo sigweme izinkinga zesikhathi esizayo. Ngenxa yalokhu umlando wakho wokuthenga ngesikweleti, kuzolungiswa, futhi wabavulela indlela yokuya kwamanye amabhange.

Imibhalo imfihlo

Uma unquma uthole ikhadi lesikweletu umlando omubi wokukweleta, athathe isikweletu noma angene kwezinye ubuhlobo isikweletu ebhange, udinga ukuba njengoba ngokucophelela okukhethiwe kwemibhalo ukuze zithunyelwe isikhungo sezezimali. Kaningi kuba nezimo lapho umuntu akanawo umlando credit, ukuthola ibhange liwa noma ukuthola ikhadi elula. Futhi isizathu sisobala. Nge kuphela passport, kunzima ukufakazela solvency yabo. Yiqiniso, iningi lalezi credit izikhungo zokukhangisa ibonisa ukuthi ikhadi le-ID luyoba olwanele ukuthola imali-mboleko, kodwa kulokhu kufanele ube singenabala credit umlando ukubangela ithemba yebhange.

Kuleso simo, uma simo sakho pretty ababuthakathaka, kufanele uqikelele ukusinika imibhalo ezengeziwe. A credit card kanye nomlando omubi wokukweleta ingatholakala ngaphansi kombandela idokhumende eqinisekisa ukuqatjhwa. Uma liqukethe ulwazi ngalokho okwenzeka komsebenzi wakho endaweni yokusebenza efanayo ngaphezu kweminyaka emibili, amathuba okuthola it kwandisa kakhulu. Ulwazi engenayo - lena enye idokhumenti okuzokwenza nje abe wusizo. Ukuhlinzekwa kwezinsiza izitatimende zasebhange emalini ebolekwe ngaphambilini ezithathwe, kanye nemibuzo mayelana ukuvalwa zabo ziphephile - lena ngenye iphepha ezibalulekile.

Esikhathini khona noma ukungabi khona kusethi ecacisiwe amadokhumenti, ungakwazi ukukhuluma umthelela hhayi kuphela yokuthi ngabe-credit card uzonikwa, kodwa izimo ngeke abambisane ebhange ngaphansi okuyinto credit. Ngokwesibonelo, uma ikhasimende wangena ukuze uthole ikhadi kuphela nge passport, ke ngokuqinisekile, kodwa iphesenti kulokhu kuyoba njengoba eliphezulu 45%. Futhi uma uthola ikhadi lesikweletu ezimbi Umlando wokukhokha kwemali Doda sondela futhi anikezwe isitifiketi emisebenzini futhi kwinani laleyo mali, akasaboni wehlise zenzalo ukuba 36-38% ngonyaka. It kuvela ukuthi imibhalo asekelayo ungagxambukeli. Ngakho, kuyafaneleka esikhathini esisichitha iqoqo yabo.

Enye - MFI anganika isikweletu umlando omubi wokukweleta, kodwa amaphesenti kuyoba kunalelo ebhange kanye nenani elincane kakhulu.

Indlela yokuthuthukisa noma ususe CI

Okwamanje, i-Internet kakhulu ngabesizwe yethu engumthengisi ngamasevisi ukuthuthukisa noma ukususwa ephelele Umlando wokukhokha kwemali. Kodwa ungabi kamnandi kakhulu, ngoba kukhona osemqoka. Ngokuvamile imali ngomsebenzi wabo impela high. Futhi wenza kanjalo-ke kubalulekile ukukhumbula ukuthi awukwazi ukususa umlando credit kube kuhle kimi. Ngakho-ke kubalulekile ukuba indiva lezi ziphakamiso.

A credit card kanye nomlando omubi

Okokuqala, uma bati siqu idatha yakho Umlando wokukhokha kwemali, kufanele ahlaziye ukusebenza yakho. Isici sokuqala kungathembeki ikhasimende ye izinkokhelo sekwephuzile. Kufanele ubuyekeze amaphepha zabo zibone ukuthi noma cha yiphutha lakho. Kungenzeka ukuthi ibhange uqobo ukuba unikele akhawunti kamuva. Kwesinye isikhathi isici womuntu onecala, lapho awazange athunyelwe idatha yakho, futhi omunye umuntu emlandweni kuya amagama abantu abathenga ngesikweletu, futhi abahlushwa lokhu.

Ungathola i-credit card nge umlando omubi ebhange lapho une idiphozi, noma uthola ngokusebenzisa inkokhelo ke. Kulokhu, kuzodingeka umshwalense ngesimo izimali njalo engenayo ku-akhawunti yakho, ngakho-ke kungenzeka ngempela ukuthi ibhange bazovunyelwa uthole ikhadi lesikweletu naye.

Unganikezela futhi lokhu kuhluka engavamile, njengoba isikhalo ebhange lesifunda elincane. Lesi sikhungo kungaba "bavala emehlo abo" ukuba isimo sakho esibi, kodwa ngezinye izizathu - ngoba abanikazi bamakhadi kusilela kanye nokuncintisana eqinile kule makethe.

Ukushintsha umlando credit

Ngokuhamba kwesikhathi uyothola lesikweletu, akungabazeki. Nokho, kufanele uqiniseke ukuthi ibhange, okuyinto wayesehlasela izozama bazivikele. Uzonikezwa i lenzalo eliphezulu nge okungenani umkhawulo wesikweletu. Uma uvumelana lokhu, khona-ke yithuba lakho ukushintsha umlando credit. Lokhu kuzodinga ukusetshenziswa ikhadi bese ukucima izikweletu ngaphandle kokulibala. I samuntu esihle kuyinto ibalazwe isikhathi somusa. Uzokhokha ke ezitolo, musa umkhawulo somusa ukukhokha izikweletu ngesikhathi ngaphandle kwenzalo, okuzokwenza ngcono umlando credit.

okutholakele

Njengoba ubona, kunezindlela yokusebenza ukuthola loan nomlando omubi wokukweleta. Bese kukhona izindlela ezimbalwa. Futhi uma ufika ke, musa ukuphinda amaphutha abo phezu, bese konke kuzolunga. Manje uyazi ukuthi ukuhlela loan nomlando omubi wokukweleta.