Lapho kuba inzuzo ukuthatha libolekwe impesheni? credit esihle esezigugile e Sberbank

Ngaphambi inikeza sokubolekwa umboleki, noma yisiphi isikhungo credit ihlola ukusebenza kwezezimali. Izakhamizi abaye sokumpeshena akakwazi ngokuthi njengoba enjalo. Noma kunjalo, ngenxa amabhange.

Kuthiwani uma Kuyaphuthuma imali? Yikuphi yasebhange oholela kangcono ukuthatha umhlala-credit? Cabangela izikhungo ezimbalwa zezimali ezinikeza abantu ubudala impesheni imali ngesikweletu.

Indlela ukuthola loan for abantu abadala?

Umhlalaphansi, ngokuhambisa isicelo ebhange ukuzwisisa ukuthi yibaphi iqembu kungokwalabo ababoleka. Kunezinhlobo ezintathu kuphela.

Eyokuqala - the alithandeki kakhulu ngokuya iqembu ababoleka amabhange, engesiyo kakhulu ithuba ukukhipha ukubolekisa evumayo kwabahola impesheni. Izakhamizi kuleli qembu abanalo nezinye ukutshalwa kwezimali, ngaphandle impesheni. Futhi abakwazi ukunikeza nhlobo impahla (ezithathekayo noma engagudluki) ngoba izibambiso. Futhi, abanayo guarantor ongakusiza nabo ukucutshungulwa loan. Uma ibhange avumela Ukukhishwa imali ngakhoke impesheni, lemali ngokuvamile singadluli ruble ayizigidi 30-50.

Ukuze wenze loan evumayo kwabahola impesheni, amalungu eqembu yesibili kufanele kukhona uhlobo impahla (zeqiniso noma siqu), ukuze ulinike njengoba izibambiso. Kulokhu, lemali ukuthi ibhange kungase ngenanele inyuka kakhulu. Ukuqinisekisa impesheni yakho ngeke kudingeke futhi ukuba ngesitifiketi esivela Pension Fund inani izinkokhelo zenyanga.

Amalungu iqembu lesithathu, bangathembela udumo evumayo kakhulu umhlalaphansi. Kumayelana impesheni ukusebenza, ababoleka abazimisele ukubhala namaholo. Okudingeka kuqala ethola loan kumelwe abuyiselwe engakafiki eminyakeni engu-75 ubudala.

Kungani Amabhange ayala ngenanele asebekhulile?

Isizathu esiyinhloko ukuthi kungani amabhange wayengafuni ukubona ababoleka yabo impesheni, ngokudabukisayo, kuyinto bempilo. Abesifazane Russian ke kuhluka iminyaka 72-75 namadoda - 57-62. Ngamanye amazwi, iBhange ukwesaba kufanele ukuthi loan ngeke abuyiselwe ngesikhathi, esikhundleni inzuzo kuyoba ukulahlekelwa. Bambalwa abantu abadala bangase bakwazi ukwamukela yisibambiso impahla ezibizayo noma alethe sureties ezanelisayo izimo Bank.

Yini amabhange sisebenze umhlalaphansi?

Yiqiniso, akusho ukuthi abantu abadala abaziqondi nethuba ukuthatha ebhange. Kukhona izikhungo mayelana 200 zezimali abazimisele ukunikeza ukubolekisa impesheni. Kungenzeka futhi ukuthatha loan udumo futhi umthengi ama cooperatives (PDA), noma ezikhungweni microfinance (MFIs). Nokho, e-isikhungo sezezimali zokugcina isithakazelo yonyaka Kungaba elikhulu futhi kuze kufinyelele 700%.

Cabanga amabhange ukuthi ukukhipha imali kubantu asebekhulile ngamazinga ezinengqondo kanye ukuthola ukuthi kungenzeka ukuthatha ukubolekisa esihle impesheni ku Savings Bank.

ebhange yokulondoloza

Leli bhange banganikeza umhlalaphansi esizayo alo ababoleka elihle kunawo imikhiqizo credit ogama zenzalo ziyahlukahluka. Ukuphakama Imali yonyaka ngoba leyo mali kuxhomeke isikhathi izimali zithathwa, kanye ukubaluleka izibambiso. Imibhalo ukuthi kudingeka ukudweba credit esihle umhlalaphansi, kukhona standard. Kuyinto ikhadi lokuzazisa futhi isitifiketi impesheni.

Ukuze uhlele bengatshelekwa nge Sberbank, owayesethathe umhlala-phansi kumele nezikhundla eziphakeme futhi okhokhela ngokwanele futhi abalulekile eseduze amafa.

Rosselkhozbank

Ibhange inikeza ukubolekisa izigaba ezimbili umhlalaphansi: baqashwe nalabo abangasebenzi. Uma lo muntu obolekayo iyakwazi ukunikeza eseduze, inani lenzalo kuyoba ulingana 15% ngonyaka. In the ukungabikho impahla, efanelekayo ngokwenza isibambiso izinga kungenziwa kukhuphuke ngo 10-12 amaphuzu. Inani ikhishelwa owayesethathe umhlala-phansi, izobalwa esimweni ngayinye. Kwezinye izimo, imali-mboleko ruble angu-100 000.

Kusukela imibhalo, ngaphandle ikhadi nempesheni iphasipoti, identity ikhadi, kungase kudingeke inkontileka yomshuwalense siqu umboleki. Lona omunye amabhange, lapho loans evumayo kakhulu impesheni.

Sovcombank

Ibhange igxile emsebenzini nge ababoleka ngubani antulayo ngokwezimali. Lezi zihlanganisa kwabezempilo nasezincwadini sphere zemfundo. Sovcombank futhi ifaka abahola impesheni zokusebenza kanye non-ukusebenza. Izimfuno ezenziwe kumadokhumenti, ubuncane: ipasipoti Russian futhi isitifiketi impesheni. Ayikho uhlobo isiqinisekiso ayidingekile. Inani imali ukuthi ibhange anganikeza umboleki, impesheni, ezisukela 30 000 kuya ku-200 000, futhi inzalo yonyaka yemali lemali 26-30%. Inani lokugcina ukuthi lithathe umhlalaphansi bayothola ezandleni zakho, kuncike ikhono layo ukuze ifeze isibopho sayo sezimali.

Ababoleka imali abangakwazi ukusebenzisa ibhange akufanele abe yobudala olukhulu kunalolu engu-84. Futhi mhlawumbe, uma kunesidingo ekuklanyweni yomuntu inkontileka umshwalense. Sovcombank ingenye yasebhange ezifanele kakhulu, lapho inzuzo ukuthatha loan kuya impesheni.

PDA

Credit kanye umthengi ama cooperatives, ngokungafani amabhange, uthanda ukusebenza impesheni, uwabheka kube ababoleka wemfanelo kakhulu. Umhlalaphansi indlela Cabangisisa kabanzi kukhethwa loan.

Cishe zonke-PDA has isikimu yempesheni abadala, okuyinto ngezinye izikhathi izimo kunenzuzo ezingaphezu kuka amakhasimende abavamile. Preferential senzalo futhi ngokuvamile ngaphansana ngoba ababoleka abazisebenzayo. Ungathatha kuze ruble 10 000, ngaphandle isiqinisekiso. Kodwa uma lo muntu obolekayo ufuna ukwandisa inani kuzoba ibheyili edingekayo. Njengoba guarantors bangase benze impesheni noma amalungu emindeni umboleki sika. Yena ngokwakhe, nge-credit we CCP, ingaba njengesihluthulelo yisiboniso.

Isitifiketi kusukela Pension Fund inani inkokhelo akudingekile ukuba unikeze, kuyoba okwanele ukuze zibonise isitifiketi impesheni, uma imali ayeqi embundwini 35 000-40 000.

Credit unikezwa esiphezulu iminyaka engu-2, kodwa lo muntu obolekayo ungakwazi lokuqala ngokukhokha iba ke. Awunayo uhlawule.

Njalo lithathe umhlalaphansi kumele bajoyine CCP futhi bekhokha khona imali yokubhalisa. Kwezinye ama cooperatives mali ruble 50-100, futhi leli nani kuyinto ngempela onekhono kuwo wonke umuntu. Uma kabusha ukuphathwa zonke lithathe umhlalaphansi, bangalindela ukuba lula izimo nokubambisana.

Ngokusebenzisa izinhlelo ezinjalo izikhungo abolekise ukukhombisa ababoleka yabo umhlalaphansi ukuthi umhlalaphansi akusho ukuthi ukuphila iphelile. Futhi lokho kokuba ngisho impesheni encane, ungakwazi ukukhokhela ukuthenga enkulu.

Ngamunye ababoleka amadala kufanele unqume ngokwayo, yini loan nenzuzo kakhulu kwabahola impesheni. Kufanele ukhethe okuyinto isikhungo kungcono ikheli: ebhange, PDA kanye nezinye izikhungo credit.