Lapho ukuthola loan ngokumelene iphesenti elincane? loan okuphansi

Iningi labantu basemazweni aseNtshonalanga isikhathi eside nisaphila ngesikweletu, eRussia siphile onecala ukuyijwayela abaningi unyaka ngamunye. Kubantu abaningi buthelela inani elifunekayo, lilikhulu, kuba umsebenzi onzima - lula kakhulu ukuboleka. Kule ndaba, umbuzo kanjani ukuthola umthengi credit ngaphansi isithakazelo encane ezingqondweni zabantu abaningi izakhamuzi zethu nabo. Uma uthi nhlá, akunzima kakhulu - ukutadisha iziphakamiso amabhange wakhetha inombolo ezincane nokudlulisa amaphepha. Eqinisweni, ezingibeni eziningi ezifihlekile kulo magazini. Ngakho ake baqonde kuphi futhi bazishaye isifuba ngokuthi lincane, hhayi ezithothene phezu izithiyo ezingabonwayo.

Ubani odinga credit ezishibhile

Okokuqala kuyinto ukunquma ngayiphi injongo udinga imali. Ngokwesibonelo, uma ufuna ukuthatha loan enkulu ngokumelene iphesenti elincane for yokufuna impahla, kungcono sokuhlola ngokucophelela iziphakamiso ku-mortgage loans - bese ukugembula sincane ngokwanele, futhi sokukhokhwa lokho kuthatha isikhathi eside isikhathi.

Uma unquma ukuthenga imoto, kungcono ukuba ukhethe ebhange, abasebenza uhlelo gosavtokreditovaniya oyithandayo, kulesi simo, ezinye isithakazelo ukhokhe isimo. Kodwa uma unquma funa, lapho ukuthola loan ngesikhathi idlanzana nezinye izinjongo - ukulungisa, ukuphumula, ushintsho oluphelele ikhabethe noma ukuthenga eqolo zasendlini ke lesi sihloko ukuphi. Okokuqala, ake sihlole iziphakamiso amabhange 'bese ukhetha nalawo ongase ucabange ezifanele. Uma imali udinga akuyona esiphuthumayo - ungalinda ngamaholidi, isibonelo, ngosuku olwandulela uNcibijane, amabhange eziningi zinikeza ephansi inzalo engako, futhi ezihlukahlukene amabhonasi.

Indlela ukwehlisa inani lenzalo

Esimweni lapho ungafuni ukulinda, ungazama ukwehlisa izinga ezihlinzekwa ebhange. Ngokwesibonelo, loan ephansi isithakazelo ingatholakala ku isikhungo sezezimali lapho ukhona ekhadini zamanje iholo. amabhange Othembekile ngokuvamile athambise isandla amakhasimende abo avamile.

Enye indlela ukunciphisa ngokweqile is klamo loan ngaphansi yisibambiso emihle noma ukuzibandakanya eyodwa noma guarantors eziningana. Zama uma kungenzeka ukukhipha ukubolekisa abahlosiwe - amanani kubo zihlale aphansi.

Ngakho indlela enhle ukunciphisa ngokweqile yithuba ukuze ibuyisele le mali ngokushesha ngangokunokwenzeka, ngakho ngaphambi bangena esivumelwaneni nebhange, ubuze ukuthi ukubuyisela leyo mali ngaphambi kwesikhathi ebesibekiwe nangaphansi lapho izimo.

Uma udinga esincane isikhathi esifushane, uthole ikhadi lesikweletu - cishe bonke of them babe somusa lapho isithakazelo icala nhlobo. Ngezinye izikhathi efika kwezinyanga ezimbili, okubaluleke kakhulu, ukuba ibuyisele le mali ngesikhathi esifanele.

I enhle isicelo loan ezishibhile

Thola loan ukheshi iphesenti elincane, kuncike nezimfuneko ezithile Kulula ngokwanele. Nazi izidingo ezimbalwa eziyoholela yi emihle:

• Yenza out loan ubuncani isikhathi kungenzeka isikhathi;
• ukuqoqa iphakethe ephelele kunayo imibhalo;
• makudle ukukhomba ukubolekisa;
• ukunikeza ulwazi ebhange, eqinisekisa ezingeni ikhono lakho ukukhokha;
• plus ayokhonza njengamakhosi umsebenzi esemthethweni;
• ukunikeza ebhange ketshezi eseduze;
• umlando wokubuka lakho lesikweletu - ngobunono ukwenza inkokhelo;
• Zama ukusebenza ebhange efanayo isikhathi eside ngangokunokwenzeka - abe ikhasimende njalo;
• Uma uthatha imali ekuthuthukiseni icala layo, qiniseka ukuthi bathumele ebhange elihle ibhizinisi futhi alethe guarantors eziningana.

Ngingalutholaphi sipho ofanele

Namuhla, iningi labantu ababefunda udaba Otomi, lapho ukuthola loan ngesikhathi Inani elincane, abaphendukela amasevisi e-inthanethi. Ngempela, iziphakamiso kuwebhu isamba Amazing, kodwa le ndlela kunezinzuzo zako kanye nebubi. Elokuqala yokuthi cishe njalo indawo unendlela yawo loan wokubala, ngawo ungakwazi ukubala inani ngokweqile, ngaphandle kokushiya ekhaya. Ngaphezu kwalokho, ungakwazi nje ukufunda nesivumelwano sokubolekwa, kodwa futhi uyiphrintele ngokuxhumana nommeli. Ngakho, kungenzeka ukutadisha iziphakamiso inqwaba izikhungo zezimali, ngaphandle zokuchitha isikhathi uhambo olude ematfuba.

Ngakolunye uhlangothi, nge-Internet, ungakwazi ubuze ebhange mayelana isaphulelo futhi ulahlekelwe ithuba ukukhuluma umuntu bukhoma. Ngezinye izikhathi iphesenti anikezwa Bank, kungase kuxhomeke isipiliyoni umphathi komuntu siqu. By endleleni, kukhona amacala lapho isisebenzi sasebhange banganikeza inketho imali okuyiwona Imininingwane kuwebhusayithi yebhange okwamanje (isibonelo, ukukhuluma mayelana oluzayo ukukhangisa umkhankaso).

Dodge amabhange

Manje ake sixoxe ngokuthi siyazuzisa njalo ngemali ephansi isithakazelo. Isimanga siwukuthi kodwa ezincane senzalo kukhonjisiwe isikhangiso, ngokomthetho zivame ukwenzeka ukuba ngokweqile fabulous.

Yini kumelwe ibhekwe njengezwe eliphansi senzalo? Cabangela lezi zibonelo ezimbalwa:

• 1% ngelanga;
• 11% ngenyanga;
• 10% yesondlo pa + 0.8% akhawunti;
• 16% (ayikho imali).

Kubuka izinombolo, ungase ucabange ukuthi izinga aphansi - 1%, futhi ophakeme kunabo - 16%. Ngakho kungaba eqinisweni, ake sibale:

amaphesenti Omunye ngelanga ngonyaka uyoba 365% ngonyaka. Kuningi, angithi? Futhi uma udinga loan iminyaka engu-2 noma ezingu-3? Babalwa?

Esinye samuntu: 11% 12 izinyanga x = 132% ngonyaka. Omningi.

Ngokulandelayo, sinalo% 10 kuphela ngonyaka - ibonakala kancane, kodwa uma sifaka imali izinsizakalo akhawunti phakathi nonyaka ka-0.8% x ezingu-12 = 9.6%, umphumela sithola engaphansana nje kwengu-20%. Futhi konke kwaqala kahle kakhulu ...

Manje thatha enkulu ekuqaleni shazi izinga 16%. Uma ngaphansi inkontileka ngempela akukho zindleko ezifihliwe okwenza inkonzo, ezihlukahlukene ikhomishana nokunye. E., Lokhu okufana umkhuba kungaba eshibhe.

Ngakho lokho kukodwa has iphesenti eliphansi lutho kulokho akushoyo. Ukuze uthole sipho nenzuzo kakhulu, odinga ukukwazi futhi ngokucophelela ukubala zonke izindleko elizowela emahlombe akho.

esikhundleni isiphetho sendaba

Sengiphetha, ngithanda ukusho ukuthi ukuthola ibhange, lapho ukuthola loan ngesikhathi Inani elincane ngeke kube nzima, kungenziwa kuphela basondela ukuze lolu daba. Khumbula, akukho isikhungo esisodwa zezimali ngeke isebenze at ukulahlekelwa, futhi wesikweletu encane senzalo akusho "mahhala." Ngakho bakale "kochwepheshe" futhi "nebubi", ukufunda okuningi ngangokunokwenzeka iziphakamiso kunokwenzeka. Futhi uqiniseka ukuthola okungcono senzalo, okuzoba "ongaphakeme" nje ngawe.