Umthengi credit: izinhlobo kanye nezici

Umthengi abolekise okwamanje uhlelo oluvamile kakhulu iningi izikhungo nolwasebhange Russian Federation. It imelelwa iqoqo ukwahluka ezingase zithathwe ukwenza ezihlukahlukene izimo. Ukuze labo abahamba ukukhipha umthengi credit, izinhlobo zamasevisi kubaluleke kakhulu. Phela, ngezilinganiso ezingafani nangezinjongo kunezinhlobo ezahlukene zenzalo. imigomo ye-credit, futhi, ziyahlukahluka. Namuhla, lolu hlobo lohlelo zingahlelwa ngezindlela ezahlukene zenzalo: kusuka 12 kuya 70% ngonyaka.

Umthengi credit: Izinhlobo

Zonke lezi zinhlelo zingahlukaniswa izigaba ezimbili ezibanzi:

1. Target - kukhona ukubolekisa, okuyinto akhishwa amabhange ukuze kuzuzwe ikhasimende nenhloso ethize ezibekwe futhi ebekiwe inkontileka. Lokhu kungaba kulungiswe ezinkulu, ithola imfundo, iholidi kuhlelwe nokunye. Kulokhu, lo isikhungo sezezimali enegunya ukulawula, okuyinto ekhishwe izimali. Kwezinye izimo, umuntu ngeke akwazi ukungakhathazeki ngisho ukubona imali njengoba ebhange ngokushesha ulithumele inkampani ukuhlinzeka akhawunti yesevisi: umtholampilo, ekolishi, ehhotela, njll Uma kwenzeke ukuthatha target umthengi loan, inani lenzalo ku kuzoba ongaphakeme futhi kwemibandela yokukhokha zithambile kakhulu.
2. Unearmarked - loan ngaphandle endaweni ethile. Lawa ukubolekisa esisheshayo sokuthi ingatholakala khona kwemibhalo 2 kuphela. Isithakazelo kulolu hlobo imali enkulu njalo futhi ingafinyelela 70%. Igama elithi esiphezulu yokubhaliswa loan express ngokuvamile izinyanga 6, nakuba kungenzeka ukuthatha umthetho futhi eminyakeni nesigamu. Esimeni kabi imalimboleko, ibhange ingabe akukuningi yini okuhilelekile kuyi-ukuphila olwengeziwe iklayenti, kodwa kudinga ukwethulwa ngesikhathi esifanele sokukhokha kokuqukethwe uhlelo credit.

Iphakheji kwemibhalo ukuze

Udinga ukuqoqa iqoqo elithile amaphepha olusemthethweni sokubhalisa ezinsizakalweni ezifana umthengi credit. Izinhlobo nemalimboleko futhi ngokwehlukahlukana kwabo enze kube nokwenzeka ukuba ukhethe uhlelo, imithetho ngokugcwele ne amathuba nokulindelwe umboleki. Ukuze kube isiphelo sesimiso inkontileka kuyodingeka ukunikeza lokhu okulandelayo:

• iphasiphothi Russian esinikezwe imvume yokuba yisakhamuzi esivumelekile eduze ngokushesha omunye amagatsha ebhange;
• idokhumenti yesibili, okuyizinto ezingabasiza ukuba ukuhlonza umuntu lo muntu obolekayo;
• isiginesha yisiboniso;
• Zokugwema ukuphuka into.

Thola loan kungaba khona amaphuzu ezimbili zokuqala kuphela, kodwa imibhalo kakhudlwana futhi liqinisekisa, aba maningi nemali eside futhi izimo ethambile. Uma unikwe mortgage luhlobo kanye isiqinisekiso, kulula kakhulu ukuthola loan umthengi. Isithakazelo kulesi simo kungaba ephansi, kusuka 12 kuya 15%. Uma eseduze kuyinto ingcebo: indlu, ifulethi, noma umhlaba - lemali ukuthi ungakwazi ukuboleka kukhawulwe 10 th mln ruble..

Uma-ke wathatha imali eningi, ungahlala ukusiza loan umthengi ukukhanda noma ukuthengwa imoto. Izinhlobo namasevisi akuvumela ukuthi ukuyisebenzisa ukuxazulula eziningi ezihlukahlukene ezimweni ezihlukene zokuphila, ukuthenga izinto Vending bangabeki phesheya.