I-Gazprombank: mboleko yomthengi ngaphandle kokuhlupheka okuningi

Imali ekhishwe isisombululo sezidingo zabathengi yizinhlelo ezivame kakhulu zokuthenga izinkampani zezezimali. Insizakalo enjalo ingasetshenziselwa ukuthola imfundo, ukwenza ukulungiswa okukhulu, imishini yokuthenga noma izimoto. Imali yokuhlangabezana nalezi zidingo inikezwa yi-Gazprombank. Imalimboleko yomthengi ekhishwe yilesi sikhungo sezimali izosiza ekuxazululeni izinkinga eziningi zokuphila.

Naphezu kwenani elikhulu lezinhlelo ezahlukene, lolu hlobo lwemali mboleko lungahlukaniswa ngezigaba ezimbili ezibanzi:

1. I-Trust Loan - uma kukhona into enkontileka ephethwe ukuthi inquma injongo yokuthola izimali. Lokhu kungaba ukuzuza kwemfundo ephakeme, isidingo sokunakekelwa kwezokwelapha, ukuphumula, ukuthenga imishini yasendlini njalonjalo. Uma uthatha isikweletu somthengi ku-Gazprombank ngenhloso ethize, ungathola izimo zemboleko ezincane futhi nesilinganiso senzalo esincane. Ukukhathazeka okuyinhloko ohlelweni olubhekiswe kuloluhlelo ukuthi inhlangano yezezimali ingakwazi ukulawula ukusetshenziswa kwezimali. Kwezinye izimo, umboleki angase angaboni ngisho nemali etholakele, ngoba ibhange lizithumela ngokushesha ku-akhawunti yomnikezeli wesevisi.

2. Okungahlosiwe - ngaphakathi kohlaka lwemali mboleko kuhloswe ukuthola imali ethile yokwaneliseka kwezinkinga zokucindezela. Enye yezinhlangano ezinenzuzo kakhulu yokucubungula uhlelo olunjalo yi-Gazprombank. Izikweletu zabathengi ngezinhloso ezingenqunyelwe zikhishwa kubo ngo-16% ngonyaka ngonyaka we-ruble kanye no-12% ema-dollar.

Uma wenza isikweletu, ungathola imali yekhadi lesikweletu yasebhange. Njengesixhumanisi, lowo obolekayo anganikeza inhlangano noma yimaphi amasheya noma impahla ekhona. Ukuze uthole imali, ikhasimende kumele lenze izidingo ezithile zebhange:

1. Isigaba sobudala. Iyini yobudala ubuncane bekhasimende ongafaka isicelo sosizo ku-Gazprombank? Imalimboleko yabathengi ayikwazi ukukhishwa uma umboleki engaphenduki iminyaka engu-20 ubudala, naphezu kokuthi umthetho wamanje ukhawulelwe eminyakeni engu-18. Kukhona nesilinganiso esiphezulu: umboleki akufanele abe ngaphezu kweminyaka engama-65 ubudala.

2. Ukubhalisa. Iklayenti kumele ibhaliswe esifundeni esifanayo lapho ihhovisi elikhulu noma elinye lamagatsha asebhange litholakala khona.

3. Izindleko zokukhokha. Imali encane umbolekayo angayithola ngaphansi kwaloluhlelo lwezikweletu yi-rubles angu-30 000, kanti inani eliphakeme liyi-ruble eyi-1.5 million.

Imoto njengento yokubambisa

Imoto namuhla ingenye yezinto ezithandwa kakhulu. Kulesi simo, isikhungo sezezimali sinikeza inzalo yomuntu ngamunye . I-Gazprombank, okubolekwa imali ebolekwa ngabathengi esithakazelweni esincane kunazo zonke, inikeza isilinganiso esingu-13 kuya kwezingu-15% ngonyaka uma kwenzeka kukhonjiswa ngendlela yemoto. Kodwa-ke, uma uthola isikweletu esinjalo, kufanele uqaphele ezinye zezingcingo ezikhona esivumelwaneni esinikezwa yi-Gazprombank. Imalimboleko yomthengi ingakhishwa kuphela uma ukhokha ikhomishini yesikhathi esisodwa sokuboleka imali eyi-$ 100 . Ngaphezu kwalokho, ikhasimende ngeke likwazi ukufaka ikhodi ye-GPS emotweni yakhe futhi uqhubeke ukuyisebenzisa. Uzodinga ukubeka impahla yakhe endaweni yokupaka egciniwe, lapho izohlala khona kuze kube yilapho isikweletu sibuyiselwa ngokugcwele .