Iyiphi indima udlalwa kakhulu emhlabeni namuhla amabhange ukuze impesheni?

Emphakathini wanamuhla, amabhange for owayesethathe umhlala-phansi yaba indawo njalo ukuvakashela. Inani elandayo labantu asebekhulile abaphendukela loan noma kuvulwe ezifakwa khona. Yingakho amabhange usuqalile ukuzivumelanisa impesheni, idedela ngabanye idiphozi kanye loan imikhiqizo kulesi sigaba sabantu.

Can impesheni ukuthola loan?

Akuwona wonke amabhange Russian ukunikeza Ukukhishwa loan impesheni. Lokhu kungenxa yokuthi zokuthenga ngesikweletu bakhathazekile ukuwohloka elibukhali impilo umboleki, futhi mayelana nesigameko yokungakhokhi imali yabo. Nokho izikhungo zezimali elikhiphe loan abadala, ayatholakala. Lezi amabhange bacasulwa kusukela lokuthi abadala banesibopho esengeziwe ukukhokhelwa ngesikhathi esifanele imalimboleko.

Njenganoma umboleki ezivamile, impesheni uzohlola yasebhange solvency nokukhokhwa kwezintela ukubolekisa odlule. Futhi uma, ngokuba abaseminyakeni yokusebenza, ikhasimende idale Umlando wokukhokha kwemali okubi, khona-ke kungenzeka, owayesethathe umhlala-phansi ngo-loan kuyokwenziwa kunqatshelwe.

Amabhange ukunikeza ukubolekisa asebekhulile futhi esincane iminyaka emihlanu, kanjalo isixwayiso esivela imiphumela engemihle.

Isilinganiselwa amabhange ukuba ekuboleka, abadala

Credit izikhungo konke ezahlukene, ngakho ukunweba izimo ngesikweletu zihlukile nhlobo. Ezinye amabhange for impesheni uzama ukunika inkululeko yokuzikhethela, abanye becela amazinga aphansi, kanti abanye zikuvumela ukuboleka tibalo elikhulu labantu asebekhulile.

Ukukalwa amabhange lemali loan ukukhokhelwa ngabantu abadala:

1. "Yamukela." Leli bhange inikeza lemali loan impesheni - ruble ayizigidi ezingu-15. Lokhu kokunikezwa isikweletu ukuthengwa ingcebo.
2. "Sberbank". Ibhange has ruble 10 million mortgage obolekisayo.
3. "Raiffeisenbank". Isamba anikezwa impesheni ifinyelela ruble angu-9.

Isilinganiso at the aphansi senzalo yempesheni credits:

1. "Setelem Bank". Inhlangano inikeza aphansi senzalo - 6.9%.
2. "BPS Bank." Le nkampani endaweni yesibili at the aphansi senzalo, okuyinto 9%.
3. "Uralfinans". Leli bhange libuye inikeza senzalo encane - 10%.

Isilinganiselwa esekelwe esiphezulu loan elithi:

1. "Sberbank". Endaweni yokuqala ingenye amabhange ethandwa kakhulu. Unikeza ukuthatha boleko impesheni kuze iminyaka 7.
2. "Bank AVB." Ibhange inikeza ukubolekisa kwabahola impesheni kuze iminyaka 6.
3. Kuleli qophelo kukhona cishe wonke amanye amabhange owaziwa ezenza ukubolekisa kufika eminyakeni engu-5.

Ikhredithi impesheni. Yikuphi amabhange kungcono?

amabhange ezintathu owaziwa ezibhekele abadala:

1. "Alfa Bank" kwabahola impesheni unikeza uhla elikhulu imikhiqizo loan. Kubantu abadala ukufinyelela zonke ukubolekisa ekhona. Uhlelo Bank yakhelwe ngendlela ukuthi ikhasimende ongakabi abe khona impesheni buyiselo imalimboleko athathwe.

2. IBhange "VTB" kwabahola impesheni selihlanganise umkhiqizo obukhethekile ngaphansi kwezimo ezimvunayo. Isimo kuphela - yobudala umboleki sika ngeke sidlule eminyakeni 65. Isinqumo loan iza ngokushesha, futhi ukubhaliswa kuthatha okungenani isikhathi.

3. "Sberbank" linikeza ezinye izimo athembeke kakhulu inzuzo. Umkhawulo yobudala umkhawulo engu-75. Ukuze uthathe credit kahle amakhasimende ebhange kuyatuseka ukuba ne-akhawunti yakho siqu noma ukhiphe ikhadi bazothola impesheni. I negative kuphela - isiqiniseko impesheni kudingeka isibambiso. IBhange futhi ngaphezu loan imali inikeza abadala amakhadi esikweletu, ngokuvamile ayenzeki kwamanye amabhange.

Ngayiphi amabhange ngokuvamile umhlalaphansi ezifakwa evulekile?

Omunye amabhange kunazo owaziwa for ukuvulwa impesheni iminikelo kuyinto "Savings Bank". Izipesheli ngabantu abadala, nakuba kungenjalo, ibhange enokwethenjelwa kakhulu futhi unesibopho ngokubona amakhasimende amaningi. Yingakho abadala baba nokuzethemba okwengeziwe ku isikhungo sezezimali.

It futhi waziwa ngokuba kokutholakala imali kuyinto "Rosselkhozbank" abadala. Le nhlangano inikeza impesheni umnikelo ekhethekile "Pension Plus". Bet on ke - 8.5%, kanti aphansi isamba kungenzeka ukuvula idiphozi alinganayo ruble 500.

"Eurocommerce" ebhange kwenye umnikelo imali eningi ukunikela. On idiphozi "Pension imali", esho kusikisela ngesilinganiso 10.5%.

Yini imibhalo kudingeka ukuthola imali ngaphandle kwenzalo ukuze owayesethathe umhlala-phansi?

Imibhalo Ucele kusukela ababoleka kwalo lonke usebe zihlukile, kodwa kukhona lezo iklayenti kumele anikeze noma kunjalo. Lezi zihlanganisa:

• iphasiphothi;
• isitifiketi inani impesheni wathola;
• Isitifiketi impesheni.

Ngaphandle kwakho konke lokhu, amabhange ungacela yisiboniso noma eseduze. Isikhathi esiningi umhlalaphansi ancamela ukuthatha ukubolekisa kuvikelwe efulethini.

ulwazi olwengeziwe

Ikhehla ku bamba imalimboleko kumelwe anakekele kakhulu. Ngalesi ubudala, abantu kalula futhi siyiswa kalula kunoma isiphakamiso. Njengoba uma impesheni yamehlo noma impilo, akakwazi ukufunda okubhaliwe kwinkontileka, okuyinto Ibhekwa enkulu. Ngakho, iklayenti bangase bangaqapheli ukuthi zindleko ezifihliwe kanye nemikhiqizo yomshuwalense. Ngakho-ke, ukubolekisa kwabahola impesheni kangcono uxhumane ne kwezihlobo eziseduze, ukusiza siyixazulule izimo iyadida. Into esemqoka ukuthi izihlobo Ungeqisi it ne. Kungenjalo, isisebenzi sasebhange anganquma ukuthi umuntu osekhulile ngenkani ziphoqelelwa ukuba zibe loan.

Abantu abadala kukhona umboleki aqotho ngempela, yingakho amabhange ukwenza loans for owayesethathe umhlala-phansi ngo-ezimvunayo futhi ngezinye ongaphakeme zenzalo. Kodwa ngisho okhiphé lesi Eqinisweni, izikhungo zezimali bakhathazekile lokhu ungqimba sabantu, ngoba imali yomhlalaphansi banayo kancane. Kodwa uma umuntu omdala anquma ukuthatha esincane isikhathi esincane, amabhange ubumnandi ukunikeza loan ezinjalo.