Kuze kube manje, ukugcwaliseka langempela kuyiphupho imoto entsha cishe ingatholakali abayizakhamuzi ezejwayelekile. Wenzani uma usafuna imoto, kodwa imali akwanele? Lesi simo isixazululekile ngosizo ukuboleka imali yokuthenga imoto ukuthi ungathola cishe kunoma iyiphi ebhange.
Ukukhetha Bank
Thola loan imoto silula. Ukuze uqale kahle ukhethe ebhange. Akumele nje ukucwaninga kuyi-Internet zonke izinhlobo amasayithi amabhange, kodwa futhi ucele azungeze abangane noma nabajwayelene nabo. Le ndoda, ababeke nazo yokubhalisa kanye nokukhokhwa loan, ungakwazi engcono ukweluleka ephathelene nekusasa umboleki abaqotho ngaphezulu ebhange. Uma umuntu ejwayelene kakhulu nemalimboleko futhi amazinga isithakazelo, ongakhetha buyiselo nokunye., Khetha "cela abangane bakho" engashiywa. Kodwa ukuthatha isibonelo uhlelo "Car Loan". Alfa-Bank inikeza lesi umkhiqizo yasebhange - omunye amabhange esikhulu kunazo zonke eRussia futhi CIS emakethe.
"Imali Car" (Alfa Bank). Yini ngidinga ukuthola
Ngemva ebhange akhethiwe, kumele ilungise iphakethe kwemibhalo. Ngokuvamile, iphakheji ejwayelekile kwamatayitela, kuhlanganise ipasipoti umboleki kanye nengxenye kwakhe okumiswe ngokufanele, ilayisense yokushayela futhi ikhophi yale mibhalo. Kufanele kukhunjulwe ukuthi Alpha Bank kuzodinga isiqinisekiso imali olusemthethweni, ie isitifiketi esingokomthetho (kuba elisemqoka engenayo lapho esebenzelana naleso sihloko imali amabhange). Ukuze usebenze umsebenzi wokugcina ngaphambi kokufaka isicelo loan udinga okungenani izinyanga 3, futhi umsebenzi isipiliyoni obuphelele kufanele kube kusuka onyakeni owodwa nangaphezulu. Ngezinye izikhathi kungase kudingeke futhi irekhodi umsebenzi bezikhali umboleki. Futhi kudingeka ukuthi ugcwalise ifomu ebhange. Kungatholakala kubhalwe esizeni esemthethweni, futhi kukhona inkonzo ezifana "Car Loan" -kalkulyator. Alfa-Bank, ngosizo le sevisi inikeza ngokushesha ukubala inani lenzalo kanye lenkokhelo. I co-Osayinile noma eseduze esimweni "ukuboleka imali yokuthenga imoto" ayidingekile. Phela, imoto ukhonza njengomdala izibambiso.
"Car Loan" Uhlelo (Alfa-Bank) lokho isikhathi
Koze kube nini loan imoto? Alpha Bank unikeza ukuthenga imoto bese ukhokha leli nani egcwele phakathi iminyaka 1-5. omunye unyaka kungase kwandise lapho uthenga imoto entsha ngesikhathi enkokhelweni loan. Kodwa khumbula ukuthi lemali lathathwa ebhange ukuthenga imoto, eminyakeni 5 kuzokhulisa ku-75% kusuka phezulu.
Yiziphi izimo "Car Loan" Uhlelo (Alfa Bank)?
Autocredit kwenani elincane kungenzeka lezingalo eziyizinkulungwane 50. Ruble. I esiphezulu kunqunywa umuntu ngamunye. Ukubolekwa asezinsukwini hhayi kakhulu futhi ngokuvamile elilingana 9-15% ngonyaka e dollar esikweletu 16-20% ngonyaka in ruble. Ukuze uqinisekise ukuthi ungakwazi ukushayela kubha yokusesha yesiphequluli sakho sika "Alpha-yasebhange" Car Loan " senzalo". idiphozi kokuqala kuyoba kusuka 10% kuya ku 50%. The kungenzeka buyiselo zakuqala imalimboleko, kodwa inani akufanele kube ngaphansi kuka-28 eziyinkulungwane. Ruble. Futhi sicela uqaphele ukuthi Alfa-Bank ithatha ikhomishana 0.99% ngayinye ukubuya ngemphumelelo nyangazonke inani eliphansi. Ukuze izinkokhelo sekwephuzile lizokhokhiswa inhlawulo ka-1% ngelanga kusukela inani izikweletu. umehluko wemisindo nemiqondo yamagama ezinjalo abaningana, ngakho uma usafuna ukuthatha imoto ngesikweletu ungaphakathi Alfa-Bank, niya kubo ehhovisi futhi ukuthola yonke imininingwane.