Kanjani ukubala credit: uhlela izindleko.

Amaphesenti imikhiqizo idliwe masevisi ezikhulayo minyaka yonke, njengoba izinto ngaphambili ezingafinyeleleki ukuthi kwadingeka ukuhlehlisa iminyaka, umuntu akakwazi ukuthenga "lapha futhi manje". Kuyinto ngokwanele ukuthatha loan futhi ukhokhe imali encane njalo ngenyanga, futhi usezuze kakade wayefisa, futhi asikho isidingo ukulinda bese ugcine imali isikhathi eside. Engakufunda e lezi zimpikiswano khona, kodwa ngaphambi uphele futhi uthathe imalimboleko ebhange lokuqala, okuyinto anikele 'ephansi isithakazelo ", kuyafaneleka ukubala esiphezulu loan lemali. Khona-ke qhathanisa credit okunikezwayo kusuka amabhange ezahlukene bese ukhetha okukhethwa kukho ezifanele.

Ungaqala nge sibalo isamba esiphezulu udumo wokubala, okuyinto amabhange ukunikela kumawebhusayithi wabo olusemthethweni. Inani lokugcina imalimboleko balindele nesikhundla esinzima, kodwa ungakwazi uzulazule ke. Okungenani, ungabona imali ngawo olindele ukulingana imali yakho eqinisekisiwe. iwebhusayithi Ibhange sika lungatholakala ne imigomo loan futhi wamanje zenzalo. Ngokukhethekile kufanele kukhokhelwe ikhomishini yasebhange, izinhlawulo kanye nesidingo umshwalense.

Uma uyazibuza kanjani ukuthola loan yakho, uzodinga yonke idatha. Ukuthatha ibhange ethile, uzodinga ukubuyela ngiyibizile kanye nenzalo. Isithakazelo Ningamcimi differentially ngokuvamile ubalwa kusetshenziswa le ndlela elandelayo:

Isithakazelo lemali = (Inani izikweletu * Lonyaka lenzalo) / 100 * 12

Ungakhohlwa ukuze ungeze kule inani oyinhloko, kanye zonke lezi wemisebenzi. Izinhlawulo amabhange ngokuvamile abeke ngoba ngasekupheleni credit eqeda noma eqeda of tibalo ezincane kuno kwalawo kule sheduli. Uma unesithakazelo kanjani ukubala udumo, kodwa kunalokho kangakanani ungacela ibhange esiphezulu, ungasebenzisa le ndlela elandelayo:

SP = P / (t +1) * yonyaka lenzalo ku loan in ruble / 2 * 12 100 *

Lapho SP - esiphezulu loan lemali, P - the solvency ka ababoleka, futhi t - evuma isikhathi izinyanga lonke. Khumbula ukuthi leli nani e lomfula zizoshintsha bebheke nokuncipha, kuye ngokuthi yobudala wekhasimende, ubude umsebenzi, khona omuhle credit umlando, ukuzinza imali yayo, ukutholakala umshwalense, abondliwa, njll creditworthiness of ikhasimende ibalwa ifomula ezahlukene:

P = Qh * K * t, lapho

Qh - isilinganiso semali engenayo (net) izinyanga 6 emva deducting zonke izinkokhelo ayimpoqo, K - isici sisetshenziswa, futhi t - Izinyanga. izinkokhelo Kuyisibopho - intela, nesondlo nezinye izinkokhelo. Kwabahola impesheni imali kuthathwa njengoba nempesheni yanyanga zonke.

Ukuze osomabhizinisi ngabanye solvency ibalwa ngokuvumelana isikimu ezahlukene. Kulabo sokukhokha imalimboleko oyongena umhlalaphansi, ikhono ukukhokhela kuyoba kancane ngoba "izinyanga impesheni" ezibhekwa, ngesisekelo a inani elimisiwe impesheni ubuncane.

indlela siqu iklayenti ngamunye, ngaphezu kwanoma yini enye futhi zihlanganisa ukusetshenziswa ezifanele ukulungisa izici lapho kubalwa inani eliphezulu wesikweletu.

Bala loan ncamashi indlela yokwenza ebhange, kunzima. Ngakho-ke, cishe sonke amabhange yabafile bakhuthazwa ukuba uhlole isikhulu loan ebhange futhi uthole yonke imibuzo ngaso leso sikhathi. Njengomthetho, ngisho ngesikhathi kokubonisana lokuqala, isikhulu loan ungabiza a "uphahla" wangempela isamba semalimboleko.

Ngaphambi kokuya lapho ibhange, zama soberly ukuhlola amakhono abo. Hhayi lutho ekuqaleni kulesi sihloko kwahlongozwa ukubala udumo, kodwa kunalokho lemali ukuthi uzodinga ukubuyela. Mhlawumbe isifiso sakho ukuze uthole konke ngesikhathi esisodwa, hhayi wabizela yilo isidingo kodwa bethanda elula. Ukunika imali kunzima kakhulu kunokwamukela. '