Yikuphi ibhange loan esimweni esihle? Imigomo, izinkokhelo mortgage

Kuleli zwe lanamuhla umuntu wahlangana nezinkinga zezimali. ukuthenga Ukwehla noma umane udinga imali yasendlini noma izindaba izidingo bangezwa wonke umuntu. Isivumelwano ne ibhange loan kubhekwa okunye okuhle ukuthola imali. Noma ukuthi umuntu kungathatha ukubolekisa ebhange njalo ngonyaka, khokhela off omunye futhi bargained nenye. Nokho, kukhona isigaba abantu abangekho aneliseke isivumelwano ngesikweleti futhi akudingeki imali yokwebolekwa. Kodwa zikhona izikhathi lapho lesikweletu bawadinga ngokuphuthumayo, isibonelo, ukuhlinzwa ezibizayo noma ukudla. Futhi ngokuvamile abantu bahlushwe umbuzo zazo yasebhange oholela kangcono ukuthatha ngesikweletu?

I loan banganikeza hhayi kuphela inkampani ýkhasýmende, kodwa pawnshops, zokuthenga ngesikweletu, ababolekisi yangasese. Nokho, zonke lezi amafemu bangacela i ezingenanzuzo senzalo, ngokungafani kuya yasebhange obolekisayo.

credit okungekuhle

Okokuqala, kungase kudingeke uqonde yiziphi izikweletu akuzuzisi. Kuyinto engathandeki wokubamba wesikweletu imali umphathi waso ukuthatha isamba ukukhokha imbuyiselo. Ýkhasýmende amafemu - akuyona indawo kuphela udaba lwemali. Kungaba afeze nezinhlangano ezizimele. Kaningi abantu ibhekene nezinkinga lapho bethatha imali ku credit eqolo zenzalo. Ababolekisi thatha imali ebhange kanye phezulu akabathwesi iphesenti ezengeziwe izakhamuzi ngenxa yemisebenzi ababeyenzile. Lokhu credit kuyoba ngokucacile ezingenanzuzo. Kubalulekile kakhulu ukukhetha ibhange kwesokudla, okuzothatha ethile imali, kuncike isithakazelo ezincane.

Ungakwazi ngokuvamile siyakhubeka ngemuva umdvwebo uhlelo. Collection wesikweletu imali Kwenziwa imikhonyovu. Ababoleka imali uzama ukuthola okuyinto ibhange kunenzuzo ukuthatha loan umthengi, zingasebenzisa amasevisi izinkampani ezinikeza senzalo amancane, ngakho kwenza amakhasimende. Ukuze lolu hlobo credit, izinhlangano abasebenzi angacela ukuba sigcine ethile futhi agqoke endaweni kokuthola lo muntu obolekayo. Ngemva kokukhipha imali ucela njalo ukukhokha isamba hhayi beveza abasohlwini lokwamukela.

Izici imibhoshongo zezimali

Ngosizo iphiramidi zezimali angakhipha udumo imali kwezimayini umboleki. Ngengozi izikhungo ezifana olungenza isamba esikhulu. Ngenxa yalokho, abantu abadinga imali, awukwazi ukuthola lutho. Abantu abaningi abazi ngisho zama ukuhlola izimo yesivumelwano. Lokhu kwenzeka ngokuvamile kakhulu ezimweni lapho umsebenzi ngamazwi ukuchaza yonke imithetho obolekisayo. Akubalulekile ukubala baragele phambili ubuhlobo ukwethenjwa. izingxenye ezincane ezihlukahlukene ngokuvamile ebekiwe inkontileka, ngakho ngaphambi kokuba usayine, kubalulekile ukuba bavumelane imininingwane credit ahlukahlukene.

Kukhona credit abaxhumanisi abangekho isixhumanisi lwesithathu phakathi kwebhange umboleki. Ezimweni eziningi, baze ukushaja extra amasevisi, futhi umphumela waba ukuthi abiza kakhulu. Brokers usiqinisekisa ababoleka ukuthi bayakufa sikwazi ukuphendula umbuzo zazo yasebhange oholela kangcono ukuthatha loan, ukuze anqume imibandela loan kakhulu engabizi. Nokho, kulesi simo kungcono ukusebenzisa ngqo ebhange. Ngokuvamile amatafula ehlukene ingatholakala nezitolo ezinkulu noma eziyinxanxathela, okuyiwona uhlale abameleli izikhungo yasebhange. Ngakho, credits ezindaweni ezifana abe iphesenti eliphezulu futhi ayatholakala ku ezimvunayo for ebhange.

Le iminikelo wesikweletu izikweletu

Icebo sokuvalwa loan inketho kakhulu engabizi for ebhange, kodwa hhayi lo muntu obolekayo. Ngokuvamile loan onjalo kusho sokukhokhwa esilinganayo imali nyangazonke, okubandakanya loan uqobo kanye isithakazelo kuyo. Inani Ukukhokha okweqile kuthathwe umboleki loan kungazelelwe ikumangaze. ukubolekisa esheshayo futhi musa athembisa ishibhile omuhle. Credit imigomo okuvunyelwane ngazo ngokushesha okukhulu. Obolekayo akunakwenzeka ukuba bahlole imigomo yenkontileka, ngakho ingozi okungekuhle ubhalisele credit kuphezulu kakhulu.

Ukubolekwa kwemali enikelwa ngaphandle ipasipoti izitifiketi imali, kusho ukuthi udumo kuyoba eqolo kwikhasimende. Kukhona ngokuphelele kungakhathaliseki ukuthi nengeniso umboleki, loan ikhishwa isikhathi isikhathi, futhi yini inani ngenyanga iyokhokhwa kubo.

Yikuphi yasebhange oholela kangcono ukuthatha ngesikweletu, akubona bonke uyazi. Kukhona izivumelwano engabizi abolekise amakhasimende abangafuni ukukhokhela imali eningi futhi babambeka imikhonyovu hype. Ungakhohlwa ukuthi loan - lena nje ukumiswa okwesikhashana lapho ukhokhelwa imali. Kunoma ikuphi kubalulekile, ubuyisele inkokhelo athathwe. Kungaba ingaxazululwa kuphela nokushoda ophuthumayo imali. Kaningi abantu bazibuze lo mbuzo: lapho ibhange credit evumayo kungenziwa ikhishwe emva kwamaminithi ambalwa. Izinketho kungaba eningi. Nokho, kulesi simo, kufanele ukuya lemali oyifunayo nesikhathi sokukhokha imali ebolekiwe.

yibhange imali engango

Akubalulekile ukukhohlwa ukuthi loan kakhulu engabizi ingatholakala kuphela ebhange. Noma yimuphi inhlangano yezimali ukunikela kwezimo ezingezinhle credit, okwakuyoholela semali yentshisekelo noma ngokweqile wesikweletu imali ngesilinganiso.

Ukubolekwa kwemali nge ikhomishana aphansi

Obolekayo kuyoba elula ukuthatha ngesikweletu, okubandakanya inkokhelo yenzuzo ye inani loan athathwe. Uma ibhange uthi udinga ukukhokha kakhudlwana futhi imali - lena yindlela engasebenzi kahle kusimo. Nikelani iKhomishana kungenziwa kuphela nge umnikelo kokuqala. Ngokuvamile kuba 1% isikweletu ebhange.

Standard ukuvuthwa wesifunda

Ekhuluma ngalo ibhange udumo enenzuzo kakhulu, ukunakekela kakhulu kumele zikhokhelwe eliphuma loan lokuvala. Ngokuvamile, loan ukubuyiswa kwemali izitolimende kusho izikhathi 2 ngenyanga. Siqukethe inani izikweletu kanye nenani zenzalo. Elincane ukukhokha inani oyinhloko, ephansi inani lenzalo incipha. Ngokuvamile, iminikelo kokuqala ihaba lemali ukuthi udinga ukukhokha Ezinyangeni ezalandela.

Nokho, uma iqhathaniswa nayo annuity buyiselo isikimu ukuvuthwa zifane lingaphansi kuka Imininingwane. Ngakho-ke, noma aphendukele ekuthengiseni indinganiso inkonzo abolekise ingcono kakhulu ukusebenzisa amasevisi izinkampani zezimali.

credit Evumayo kwabahola impesheni

Ngokuvamile kuphakama umbuzo: ukubolekisa evumayo kwabahola impesheni, amabhange lapho kungcono ukuthenga? Ngakho, ukubolekisa izindleko kwabahola impesheni okuzokhishwa lapho kukhona uhlelo design impesheni. Inzuzo imali enjalo kuyinto. Ngokwesibonelo, inkokhelo yokuqala ayidingekile noma ebhange zandise senkokhelo imalimboleko. Njengomthetho, impesheni - laba yibo abantu abahlezi ekhaya engasebenzi. Ngakho-ke, ibhange ukuze siqiniseke ukuthi loan uzokhokhelwa. Ngokuvamile, abantu umhlalaphansi bathola ukuthi ukuthatha loan ngokumelene ngcono kakhulu.

Yesikhathi eside credit ngaphandle ikhomishana nezinhlawulo

Nalapha ngizibuza okuyinto ibhange loan evumayo, impendulo kusikisela ngokwayo: ukuthi esenza izinzuzo zesikhathi eside. Noma yimuphi ebhange kungeke asho ukuthi udinga imali ebolekiwe ngokushesha ngangokunokwenzeka. Kuyoba nenzuzo esimweni enkokhelweni loan ngaphambi kokuphela kwesikhathi. Nokho, ababoleka bajwayele ukuthatha esiphezulu lemali etholakalayo.

iphakethe Okugcwele loan

Yikuphi ibhange inzuzo umthengi credit uzokwazi ukudweba? Izikhungo zemali abasebenza nekhasimende ngalinye ngezifiso. Umboleki ingabikwa, washo mayelana nokwenzeka buyiselo zakuqala.

Yikuphi yasebhange kuyazuzisa loan imali kungaba ukwazi akubona bonke abantu. loan Cash kunenzuzo ukuthatha kuphela lapho amabhange abe uhlelo ibhonasi noma ukwabelana aphethwe. On the amabhange namuhla abaningi, futhi phakathi kwazo kukhona umncintiswano onzima kabi. Ngakho-ke, ngaphambi kokusayina inkontileka ebhange, kudingeka siqiniseke ukuthi inani lenzalo kanye indlela buyiselo imalimboleko iklayenti wanelisekile.

Yikuphi ibhange inzuzo loan imali sipho amakhasimende? amabhange ezinkulu ukudala amakhasi Inthanethi okuyinto kungenzeka ukuthola loan, ngaphandle kokuba ukuya ebhange. Ngokugcwalisa ifomu elalifike, uzodinga ukungena idatha uqobo, kanye ukubhalisa isamba semalimboleko. Kuyadingeka ukuba igweme ukwenza amaphutha in the design and ngokukhethekile ukuphendula imibuzo ebuzwa. Ngemva kwesikhathi esithile ucabangela isicelo futhi abangele umboleki endaweni ukwenza imali.

amakhadi esikweletu

Amakhasimende angabuzwa okuyinto ibhange loan evumayo anikezwe hhayi imali, kodwa senziwe ikhadi lepulasitiki. Iphesenti elikhulu labantu uncamela ukukhokha ngale ndlela. Lokhu kusebenza futhi Ukukhishwa ukubolekisa, ngoba lukhulu oholela kangcono ukuze uthole imali ekhadini kuka athathe ebhange isizumbulu semali futhi ayesaba ukuya ngomgwaqo.

Isidingo ukubhalisa udumo

Ukwenza credit evumayo, izihlobo noma abantu omethembayo ukweluleka nganoma iyiphi ebhange. Ungakhohlwa ukuthi loan ngeke kuzixazulule zonke izinkinga ngemali futhi siphile ngesikweletu ezingenanzuzo. Nokho, abantu abaningi namanje uthanda ukuboleka imali ebhange ukusiza, okungenani okwesikhashana, kodwa ukuxazulula inkinga kuswela imali. Futhi umbuzo uwukuthi, lapho ibhange inzuzo ukuthatha loan ngokheshi, bancike umboleki. Kufanele ukuqonde imigomo loan, uhlole inkontileka nezindlela ukubuyiswa kwemali.

Uma impendulo yombuzo othi wesikweletu evumayo lapho ibhange kuhle kakhulu ukuba uwuthenge ke kukhona kudingeka ukucacisa inhlangano, kunokuba izikhungo zezimali yangasese futhi pawnshops. Kunoma ikuphi, kulezi zinhlangano abaphendukela ebhange, kodwa umoya isithakazelo.

Kungcono ukusebenzisa amabhange ukuthi akuzona onyakeni wokuqala emakethe ezezimali. Kumele wanezela ukuthi inani elikhulu labantu nsuku ingenzele ukubolekisa, kuyilapho ukunamathela solvency lalo. Abangane, abangane nezihlobo asebeke babasebenzisa izinkonzo ebhange ethile owaziyo ukubolekisa evumayo, wahlela ukuthi oyedwa noma kwelinye ibhange. Nokho, uma wosesho omuhle, cabanga izipesheli amabhange ezahlukene ukuthola izimo ngokunginika imali amabhange ahlukahlukene ukuqhathanisa izinkontileka futhi ucabangele ukuthi iyiphi inketho kube nenzuzo enkulu, ungakwazi ukuxazulula izinkinga imali ukulahlekelwa omncane.

Ngo isikhungo sezimali ukuhamba?

Ethandwa kakhulu ongase abizwe ngokuthi Savings Bank of Russia ngakwesokudla. Njalo ikhasimende siyonikeza isitatimende engenayo kungathatha inani ruble angu-1.5 izigidi ezingu kweminyaka engu-15% ngonyaka. Igama elithi esiphezulu kulokhu iminyaka 5. It kuyodingeka ukhokhe izikweletu imali nyangazonke alinganayo. Esimeni iklayenti okuzenzakalelayo ukusongela inhlawulo.

izimo Enough evumayo ahlinzekwa yi ibhange "VTB 24". Kungenzeka ukuba uthole imali ngonyaka 18%. Inani eliphezulu - ruble 300 000. Izinkokhelo awashintsheki. Endabeni ka ekuseni wokuhlengwa izinhlawulo kungukuthi enikeziwe. Abanikazi of kwabasebenzi amakhadi bangathembela nokuncipha inani lenzalo.

Yini ebhange "Russian Standard"? Imibandela enikeziwe lapha kukhona inzuzo okungenani. Amaklayenti bayakhuthazwa ukuba uthole credit for lungene izinyanga 48 at 36% ngonyaka. Inani inkontileka akufanele idlule ruble ayizigidi 300.