Loan Umthengi nge ongaphakeme senzalo. ukubolekisa Umthengi Savings Bank ne ongaphakeme zenzalo

Kwabaningi bethu, ikhredithi umthengi - leli yithuba yangempela ukuxazulula ngokushesha izinkinga zabo noma bathuthukise ukuphila kwabo kube mnandi futhi kahle. Kodwa ukuntuleka lemali edingekayo - akusiyo isizathu ukuthatha imali ku-iphesenti eliphezulu futhi ngezinye izikhathi zinzima kakhulu. Naphezu ezihlukahlukene izipesheli kusuka amabhange ezahlukene ukuthola omunye, lapho ungathatha loan umthengi ongaphakeme senzalo, ngaso sonke isikhathi okusheshayo. Kukhona isixazululo! Okuningi ngokunembile, kukhona izimfihlo ambalwa, indlela ukukhetha ebhange futhi amanye awo kuyoba ukuhlakanipha ukuphendukela.

Yini ehlanganisiwe inani lenzalo

Lapho ikhasimende uya ebhange ngenjongo ethile - ukuthola umthengi loan imali nezinga eliphansi senzalo, ifana amakhono awo angokomzimba uyazicabangela iziphakamiso. Ngokwezinga elithile ikhasimende ngokwakhe, idumela lakhe, nokuningi kungathinta ngesilinganiso isithakazelo, kodwa ikakhulu abantu abasuke ezihlukahlukene nezinye izinto:

• izinga lokwehla kwamandla emali;
• nokugcinwa izindleko imali evela emphakathini;
• isimo sezomnotho ezweni;
• izindleko yesondlo sokusebenza ebhange kanye nabasebenzi bayo.

Zonke lezi zici kungukuthi abasemaqenjini umboleki, ngokulandelana, ukuthonya them ngaphakathi phi dlela ikhasimende bengayi. Kodwa zikhona eziningi izimo ukuthi uzothola imali-mboleko umthengi enezimo ezingcono bona.

Indlela ukunciphisa intela yemali loan

Thola umthengi ukubolekisa ne aphansi senzalo e iklayenti yasebhange can nge ephelele Umlando wokukhokha kwemali. Lokho, ngesikhathi sokubhalisa imalimboleko imali iklayenti kufanele ukubolekisa ivaliwe ngaphandle kokulibala. Ukuntuleka kokukhulumisana Umlando wokukhokha kwemali kungaba nomthelela izinga cut.

Enye yezindlela eziphumelela kakhulu ukunciphisa izinga ku loan - a iqhaza iphrojekthi iholo. It akadingi ulwazi engenayo kanye guarantors. Okungukuthi umthengi Sberbank ukubolekisa ne aphansi senzalo atholakale kumakhasimende abathola umholo wabo ekhadini plastic kwenhlangano kanye imibhalo eyengeziwe okungenzeka ayimeleli lapho wenza imali-mboleko.

Inketho zokugcina - kuba ukukhipha loan kuvikelwe, okungukuthi ukushiya idiphozi noma ukuheha yisiboniso. Kulokhu, ibhange kunciphisa ingozi non-ukubuyiswa kwemali imali amancane futhi kunciphisa izinga ku loan. Esimeni ngongakwazi ukukhokha izikweletu iklayenti, yena iqoqa izikweletu kusukela yisiboniso kumbe ayithengise kwesokunxele impahla njengoba izibambiso.

Yini ukubheka

Kungokwemvelo lokho okushiwo yikhasimende namuhla ifuna ephansi zenzalo emalini ebolekwe umthengi emabhange ezahlukene nge-Internet bese uqhathanisa izipesheli. Kodwa njengoba umthetho, amabhange, abakhangisi zidonse ukunaka kwanoma iklayenti ezingaba kuphela, ezithembisa imali eningi, "cishe lutho."

Ngaphansi isikhangiso ngasinye uhlobo encane kuchaziwe, kulokho imigomo Yiliphi iqembu labantu bazokwazi ukuthola loan esithambile. Lokhu kusikisela ukuthi akuzona zonke ikhasimende ungathola ongaphakeme isithakazelo loan, nokho, yena ungafaka isicelo futhi ingase owamukelekayo, kodwa inani isinxephezelo ukuba ezibonakalayo ihlukile kuleyo eziqukethwe ukukhangisa.

Kusiza lokugcina amabhange - isicelo online ngaphandle ngivakashele ihhovisi. Okungukuthi, iklayenti igcwalisa lemibuzo ku-website ye-nhlangano, futhi kuye salo pre-vumela. Kodwa ngemva kwalokho, kusobala ukuthi kudingeka ihambisane imibhalo ehhovisi, lapho izimo ngesikweletu Zingase zihluke.

Indlela ukukhetha yasebhange

Ngakho, manje kudingeka unqume indlela ukukhetha loan umthengi ongaphakeme senzalo. Futhi kuyo yonke imizi kukhona amagatsha amaningi amabhange ahlukahlukene, futhi ngamunye kubo kuthé sokukhangisa egqamile futhi ekhangayo. Kodwa akudingeki ukuba kuthathe passport yakho ubalekele igumbi lokuqala. enengqondo kunazo ukusebenzisa internet bese uqhathanisa zonke izinhlinzeko inthanethi.

Usesho kuzothatha isikhathi esithile, ngoba ngeke nje ubone iziphakamiso eziningi, kodwa futhi ukufunda imigomo ngokucophelela. Kwezinye amabhange adingekayo iklayenti kuwumshuwalense, engesiyo angaphansi kwamaphesenti omunye isamba semalimboleko. Ngamanye amabhange izimo ezikahle kuphela ababoleka abaye ziqondiswe ngokuphindaphindiwe.

Ngokuvamile, kungcono ukubhekana ebhange ngalunye ngokuhlukile, ukubala amakhono azo nokuthi yini ukusizakala udumo wokubala. Kaningi kuyenzeka ukuthi isikweletu ukhokhe inzalo enkulu ngenxa kunenzuzo xaxa umboleki yena.

Manje-ke kubalulekile ukucabangela sohlelo amabhange ethandwa kakhulu futhi izimo ngesikweletu kuzo, qhathanisa imigomo ukuthi yimaphi ama-kubo kunenzuzo kakhulu ukuze usebenze futhi kungani.

Sberbank eRussia

Impela, kodwa namhlanje umholi emakethe Russian, phakathi abathengi ke ibekwe njengoba umlingani onokwethenjelwa futhi ngokwethembeka ngoba lo muntu obolekayo. Ngakho, iziphi umthengi ukubolekisa Sberbank ne aphansi senzalo kungenzeka ukukhipha namuhla?

• Umthombo "Cha ukuphepha": izinga uqala ngo 17.5% ngonyaka. Umkhawulo loan lemali ruble ayizigidi ezingu-1,5 ukuze period kuze iminyaka 5.
• "Credit ukuba nesiqiniseko" ukusika zenzalo ngamaphesenti eyodwa kuqhathaniswa isiphakamiso odlule futhi kwandisa umthamo phezulu sokubolekwa ruble ayizigidi ezingu 3.
• Loan kuvikelwe ingcebo okungewakho, ukunika ilungelo ukusebenzisa isamba semalimboleko akuyona engaphezu kwengu-60% yenani abekiwe komhiaba ngesikhathi lokuthenga ngesikweletu futhi inzalo ka 15.5% kuze iminyaka 20.
• Ababambe iqhaza ohlelweni mortgage-uxhaso angakhipha kuze sokubolekwa ruble 500,000 ngaphandle kwebheyili 18.5% noma 19.5% ngonyaka. Nge isibambiso nani kabili.

Ngaphezu kwalokho, Savings Bank kunesithembiso izehlakalo eziqhelekileko, ukuthuthukisa imikhiqizo emisha loan, ekunciphiseni zenzalo emalini ebolekwe amaqembu athile abantu. Imininingwane iziphakamiso ingabonwa kuwebhusayithi wamabhange.

Gazprombank

Lokhu isikhungo sezezimali siphinde sihlinzekele nezinhlelo ezihlanganisa abantu inzuzo umthengi credit. Okuphansi zenzalo, amabhange anikeza kude amaklayenti ngamunye uqala ngokuchaza izinhlupheko 16.5% kanye 21,79% ngonyaka ekupheleni. Kulinganiselwa ngamunye, ngokuvumelana nezimfuneko, i isiqinisekiso akuyona imfuneko ngoba lo muntu obolekayo.

Inani loan ruble 30,000. Kungenzeka ukuba ahlele futhi ruble 2 million, kodwa kuphela ngesofthiwe, okungukuthi, ne yisiboniso. Igama elithi esiphezulu yokukhokha yesikweletu eminyakeni 5. Igama elithi ka kokucubungula isicelo kufikela kuzinsuku ezingu-5.

VTB 24

Leli bhange inikeza umthengi credit ne ngenzalo ephansi - kusukela 20,5 ku-23.5%. Loan lemali kuze ruble 1 million esiyiminyaka engu-5. Izinga akuxhomekile nje kuphela esimweni idumela iklayenti, kodwa futhi ku nesifiso salo ukukhipha ezimbili izinhlobo umshwalense. By endleleni, lapha ababoleka ezingaba ukubeka phambili izindinganiso sezingeni eliphezulu, futhi ukuthola loan, udinga isitifiketi womholo okusezingeni eliphezulu engenayo.

Bank of Moscow

It unikeza ukubolekisa umthengi ongaphakeme senzalo - kusukela 19,9%, inani lemali - ruble ayizigidi 299. Kodwa izimo ezinjalo nelungelo itholakala kuphela kwabasebenzi amakhasimende, lonke izinga antante 26,5% ngonyaka. Ukuze wenze loan, qiniseka Udinga isitatimende engenayo.

isiphetho

Umthengi ukubolekisa nge ongaphakeme zenzalo manje zigcwalisa lesi siprofetho ngokunikela amakhulu amabhange, kanye zonke zibe izimo ezithile evumayo. Kodwa ungabali lokuthi yisikhungo sezinhlangano eziphambili zezezimali ezosebenza at ukulahlekelwa. Kuyadingeka ukuba ngokwanele ukuhlola isimo futhi mhlawumbe ukusebenzisa kulabo amabhange, okuyinto kakade babe nesipiliyoni yimpumelelo kakhulu wokubambisana.