Umthengi credit okungaphephile - kusho ukuthini, ikakhulukazi inzalo kanye nokubuyekeza

Ngokuvamile kukhona izikhathi lapho kudingeka ngokuphuthumayo imali, futhi impahla zifake akukho. Futhi nakakhulu kunjalo, uma kubhekwa ukuthi cishe zonke izakhamuzi namuhla has ngisho loan kulencane, thola co-Umsayindi is wokuba eziyinkinga. eyodwa kuphela into - ukuba isicelo loan ngaphandle izibambiso. Umthengi credit okungaphephile - ukuthi kusho futhi yiziphi izici zayo?

definition

Ngaphansi umthengi credit loan okungaphephile abangenakuqonda kwempahla eseduze futhi isibambiso. Ngalolo udaba umthengi credit ngaphandle eseduze? izimali ezibolekwe kungenziwa wachitha nganoma iyiphi injongo ngokubona kwayo. Lokhu kungaba ukulungisa, ukuthenga izinto noma imishini. ukubolekisa ezinjalo efanelekayo lapho bedinga imali ngokushesha.

Lokhu kubolekisa ngemali zihlanganisa:

• amakhadi esikweletu;
• ukheshe noma ukutuswa akhawunti;
• loan okungaphephile ku Izitolo okudayisa ukuthengwa kwezimpahla.

imfuneko

Izikhungo zemali ukuphoqelela ababoleka yabo nalezi zidingo ezilandelayo:

1. Ukuba khona ukubhaliswa unomphela esifundeni, lapho isikhungo sezezimali itholakala. Ezinye amabhange angavumela sokubhaliswa kwesikhashana.
2. yobudala umboleki sika kuhluka iminyaka engu-18 kuya ku-70. Nalapha futhi, ayanda ubudala, aba maningi amathuba okuba ukuthi ibhange azodinga ilungiselelo. Ngakho-ke ngokufanele kulesi simo, athathe loans kuze kube iminyaka engama-60.
3. Ukuba khona umsebenzi unomphela futhi umthombo esemthethweni engenayo.
4. Nguyena akufanele kube isikhathi esingaphansi konyaka, futhi lo msebenzi zokugcina - hhayi ezingaphansi kwezinyanga eziyisithupha.
5. Ngoba abantu, loan elinikezwayo phezu ekwetfuleni kamazisi yasebusosheni.
6. Uma ucacisa yokuxhumana ezidingekayo unefoni ezengeziwe.
7. Uma loan uyakucabangela engenayo ukucabangela umkhaya, izidingo iyefana namanye womshado.

amadokhumenti

Ngokwemvelo, amabhange ezahlukene zidinga ababoleka imibhalo ehlukene. Kodwa ngokuyisisekelo kuba iqoqo ejwayelekile, okuhlanganisa:

• isicelo loan;
• Umazisi;
• incwadi yesibili ezingaba ukuqinisekisa ubunikazi umboleki (noma SNILS noma passport noma ilayisensi yokushayela);
• INN;
• ikhophi umsebenzi;
• ireferensi 2-PIT.

Ezinye amabhange ngaphezu imibhalo ngenhla ungacela isitifiketi yesikhwama sempesheni, isitatimende sasebhange, intela ukubuya (izinhlangano ezingokomthetho), futhi abanye - kuphela ipasipoti isitatimende engenayo, ukunikeza umthengi credit ngaphandle zokuvikeleka, kodwa Kulo mBhalo, lemali kuyoba encane.

izimo

Izimo, ukunikela izikhungo zezimali zihluke ngokuphelele. Ngokwesibonelo, kokuba umlando omuhle esikweletu lokuba yilungu leqembu lezinhloli iphrojekthi iholo ingatholakala ebhange qotho izimo emalini ebolekwe umthengi ngaphandle izibambiso. Kusho ukuthini? Lokhu ubuncane zenzalo, okusezingeni eliphezulu credit sikhathi, inani eliphezulu imalimboleko. By the way, inani lenzalo zingancishiswa uma lo muntu obolekayo izokhipha isevisi lowengetiwe ngendlela lomshuwalense ingozi noma ukulahlekelwa umsebenzi.

Cabangela izimo eziyisisekelo sokubolekwayo ngaphandle izibambiso.

Iklayenti kufanele uzilungiselele yokuthi amabhange ucabangela ngokucophelela izicelo sokubolekwayo nekhathazayo ezihlobene ababoleka esizayo. Uma inhlangano kukhona ukungabaza, cishe, kuyoba senqabe ukusebenza ngaphandle isiqinisekiso noma ukuphepha.

Kukhona amabhange abangenawo ukwesekwa lolungakahleleki, njengoba kuchaza isibambiso is kunakwe, kodwa izimo ngesikweletu aziphazamiseki. Lolu khetho ngokuvamile kusetshenziswa uma inani le eseduze incane, futhi yisiboniso akusho nezidingo ebhange.

Sibutsetelo amabhange

Cabanga ngesibonelo sika-amabhange ahlukahlukene, okuyinto loan umthengi ngaphandle izibambiso. Sibutsetelo Bank siqukethe le izikhungo kunawo futhi iningi owaziwa zezimali.

Njengoba sesifunde iziphakamiso main lamabhange ngobukhulu, ungakwazi ukuqonda ukuthi kusho ukuthini ukuba loan umthengi ngaphandle izibambiso. Sberbank, isibonelo, inikeza lemali ezinhle emigomeni eyamukelekayo, kodwa ongaphakeme senzalo azosethwa kuphela uma iphakethe esiphezulu kwemibhalo izokwethulwa. Ezinye izinhlangano yokugcizelela amazinga. Futhi zonke ngoba akukho eseduze.

Noma kunjalo, le ndlela abolekise has eziningi eziwusizo zokuthi ibhange kokubili ikhasimende, futhi ngenxa yezezimali kakhulu.

Ngebuhle nebubi ngoba lo muntu obolekayo

Umthengi credit okungaphephile - kusho ukuthini ngoba ikhasimende ebhange? Cabanga ngokucophelela ngobuhle eziyisisekelo nezingozi le ndlela yokuboleka le mali.

Ngakolunye uhlangothi kukhona lokhu okulandelayo:

• ithuba ukuthatha loan ngaphandle kokunikezela ingcebo eseduze futhi guarantors;
• uhlu ubuncane kwemibhalo;
• isikhathi okusheshayo ucabangela isicelo njengoba sigcwalisiwe;
• lula ukuphetha inkontileka kwi loan;
• Ukuntuleka phezu ingxenye yasebhange ukusetshenziswa kwezimali.

La maqembu ezingezinhle zihlanganisa lezi ezilandelayo:

• Izinga okungaphephile kwezinhloso zenzuzo iphezulu kakhulu;
• izinhlawulo okusezingeni eliphezulu kanye nezinhlawulo izinkokhelo sekwephuzile futhi okungezona ukukhishwa credit nezibopho;
• isamba semalimboleko ngaphandle sokuvikela ephansi kakhulu kunalokho naye;
• ibhange kungehlisa ngemigomo yekhredithi, uma ibona kunesidingo salokhu;
• umboleki okumele akhokhe ebhange loan zonke izimpahla zaso.

Izinzuzo nezingozi nebubi ngoba amabhange

Nikeza umthengi credit ngaphandle eseduze - kusho ukuthini ngoba amabhange? Ngakolunye uhlangothi, inzuzo abolekise enjalo sifuna uhlelo phakathi amaklayenti asebhange, anemali engenayo ephezulu kusukela loan futhi isikimu lula nokucutshungulwa kwezicelo. Ngakolunye uhlangothi, kukhona nemibi. Lena izingozi kahle eliphezulu nobunzima yokutakula uma kwenzeka okuzenzakalelayo.

Nokho, lo mkhiqizo inikezwa ngenxa yenzuzo okusezingeni eliphezulu esikhungweni sezimali.

Izibuyekezo

Ngokwe impendulo amakhasimende ezahlukene amabhange, loan umthengi ngaphandle eseduze - ithuluzi Ukugunda uma udinga imali, futhi uthathe kubo ndawo. Lula akuyona kuphela ukusabela okusheshayo isicelo ebhange, kodwa futhi nekhono sokukhokha imali ebolekiwe ngaphambi kwesikhathi ebesibekiwe futhi ziyahlukahluka inkokhelo yanyanga zonke (phezulu).

Akuwona wonke umuntu, yebo, ithwala ekuklanyweni loan. Kukhona futhi amakhasimende enganelisekile. Kodwa, njengoba kuvela, labo ababoleka abanale umlando omubi wokukweleta, noma amakhasimende Awukwazi ukwethula yimiphi imibhalo edingekayo.