Ukubolekwa kwemali "Savings Bank" ukuze ngabanye. Zingaki ngempela izinto eziphilayo futhi yiziphi ukungezwani kwawo?

Ngokuvamile indlela kuphela ukuxazulula ukungaboni ngaso linye loans zezimali "Ukulondoloza" ukuze ngabanye. It is okulinga babe ayemkweleta akuzona ukusatshalaliswa kuphela jikelele inethiwekhi legatsha futhi izinyathelo ukutholakala emahhovisi, kodwa futhi zokweboleka imigomo. Yini ukuheha abathengi credits "Savings Bank" futhi bayini?

Okuhle ukubolekisa imali "Savings Bank"?

Unearmarked credits "Sberbank" ngabanye sipho kuhle ezikhangayo. Ikakhulukazi uma ucabangela ukuthi le giant zezimali akazami ukufihla lutho futhi zilawule yamanani wathi. Amathuba okulimala maningi okuncane kanye azikho izimali ezengeziwe.

On top of ukuthi amaklayenti ezizimele ukufinyelela imali eningi emigomweni siqu sokukhokhwa emsebenzini isikhathi eside. Kukhona amazinga ehlukene ukubuya iziqinisekiso: "Savings Bank" imali Russian ngabanye nezindaba futhi ayinikeze, kanye nesidingo ukuheha guarantors noma ukubeka amafa ketshezi njengamafutha izibambiso. Kusukela nalezi zindlela, futhi inquma izindleko izimali ezibolekwe lapha.

Ukuze bazuze ngezimali ukuthengiselana ezithinta izidingo zabo kanye nezinga ujwayele yasebhange umboleki sika. esikhulu kunazo zonke singatholwa "Savings Bank" ukuze labo abawamukelayo amaholo kanye izimpesheni, abasebenza ezikhungweni izitifiketi futhi izinkampane ezinkulu, uye kunikela credits angaphambilini. Izaphulelo kusukela ubukhulu phansi izinga kungenzeka njengoba eliphezulu 1-2 ngemaphesenti ahlinzekwa "ngokuba" "Ukulondoloza". Loans abantu engibathandayo isenzo njalo kunjalo, kungamenza alahlekelwe eshibhile ngisho ngenxa yokwehla kwesizini amazinga.

Enikeza ukheshi sokubolekwayo "Sberbank" abantu?

izinhlelo Credit ebhange eyinhloko yezwe zingahlukaniswa ngamaqembu amathathu ezinkulu ngokuvumelana uhlobo isofthiwe eceliwe:

1. Ukubolekwa kwemali "Sberbank" abantu ngaphandle izibambiso. Akukona ngisho kudingeka umshwalense, futhi badinga kuphela ukubhala isikhundla sabo esinamandla zezimali kanye umsebenzi. Inani - nakuba kungaze kube yinxenye sesigidi sama-ruble. Igama elithi ka sokukhokhwa kwezimali eceliwe kungenziwa welulela iminyaka 5. Izinga uyophinde ziyehluka uhla 17-21,5% ngonyaka.
2. Loan isivumelwano sesiqinisekiso. Ngenxa co-Osayinile kungaba yisiphi isihlobo kuphela noma amaziyo. Ukuba umlingisi yesibili kwandisa inani eliphezulu phezulu sokubolekwa ruble ayizigidi ezingu 3, kanti elithi izohlala injalo -. Five. Isithakazelo ongafinyelela 16,5-20,5% ngonyaka.
3. Ukubolekwa kwemali nge impahla isibambiso lapho isibambiso kungaba ingcebo kakhulu, kungenzeka ukuthola kufika ku-90% enani lezimpahla eseduze (kodwa hhayi ngaphezulu kuka-10-15 mln. Ruble) isikhathi babengagwetshwa iminyaka engaze ibe eziyisikhombisa ngesilinganiso esingamaphesenti 13.5-14.5% ngonyaka.

Nokho, isenzo kuze kube maphakathi no-February, ungakwazi ukuthola imali-mboleko yendlu ngaphandle eseduze noma isibambiso ngezinga elifanayo njengoba isiqinisekiso - by 14.5% ngonyaka. Ukucutshungulwa kwezicelo ngokubamba iqhaza kulesi senzo wenziwa umuntu ngamunye, kuphela nje uma wena musa ukufaka isicelo, awazi amathuba wokuboleka evumayo.

Ukubolekwa kwemali "Sberbank" abantu benezizinda ezihlukahlukene izimo. Futhi lokhu inzuzo yabo eyinhloko: wonke umuntu angakwazi ukuthola izimali ezibolekwe ne nemingcele ezifanele. Noma yimuphi umboleki ezingaba uyakwazi ukufeza amacebo ayo esebenzisa ebhange, ngaphandle-ke, ngeke bazivumelanise nezimfuneko zawo. Kodwa iphutha-ngithola futhi ubushiqela "Savings Bank" - lokho kungenye indaba.