Sberbank: loan ekuseni ukubuyiswa kwemali (izimo, kubuye umshwalense)

Kaningi kuyenzeka ukuthi ngokukhipha boleko inani ehloniphekile, ikhasimende ngemuva kwesikhathi esithile, wamangala lapho ethola ukuthi uphephile futhi ukulungele ukuba abuyisele ekuseni kakhulu. Khona-ke aphinde esinalo ukuya isikhungo sezezimali (isibonelo, i-Savings Bank). ukubuyiswa kwemali Early imalimboleko, njengoba kuyinto exakayo, Akuwona wonke umuntu osamukelayo yisiphi isikhungo credit. Futhi lokhu akumangalisi, ngoba ngokushesha imali ebolekiwe, ephansi engenile yiBhange.

Noma kunjalo, cishe bonke amabhange ukuvumela amakhasimende abo ukuze ibuyisele le mali uma bethanda ukwenza lokhu, kodwa-ke, ngezinye izikhathi kuyadingeka ukuze enze ezinye izimo lolwengetiwe, kwenta sibonelo ukuba ngikhokhe inhlawulo noma ukukhokha off the ibhalansi ukweletwa ngokugcwele.

Omunye amabhange ambalwa, okungadingi udlulele ababoleka Awekho izimfuneko kuyinto Savings Bank of Russia. Mayelana naye kanye nenkulumo.

Kuyini buyiselo zakuqala

Ngakho, siye Sberbank. Early enkokhelweni loan kungenziwa ngokushesha ngaphandle kwemibandela. Kufanele wazi ukuthi le sevisi ngokuphelele futhi ngokwengxenye.

Eyokuqala nesimo lapho kanyekanye ukwenza Inani eliphelele izikweletu nenzalo abuye acedzele isenzo nesivumelwano sokubolekwa.

Esimeni sesibili, isikweletu phindisela kuphela ingxenye. Ngemuva kokwenza i-lemali oyifunayo (kokweqa yokukhokha ayimpoqo) esikweletini uhlala engakhokhiwe, nesivumelwano sokubolekwa futhi isenzo uyaqhubeka.

Ukuze iqiniso, kungakhathaliseki ukuthi hlobo luni ekuseni buyiselo ungase ube inzuzo kuthathwe - kusenzima hhayi inzuzo kanye yasebhange nakanjani okuhle kuwe. Eminyakeni emihlanu edlule, cishe zonke izikhungo zezimali amaklayenti abo bahlawuliswa ngokwephula isinyathelo esinjalo, kodwa ngo-2011 lo mkhuba kwathiwa ezingekho emthethweni (Art. 809, 810 we Code Civil).

Annuity indlela yokukhokha

Uma uya Sberbank, senkokhelo ekuseni imalimboleko, noma kunalokho izenzo zakho ngesikhathi esifanayo kuzoncika ncamashi kanjani wena ngokwakho ubuyisela loan yakho. Uma ukuhlela annuity, okungukuthi, wenze njalo ngenyanga ku-akhawunti yakwa-esilinganayo, sokukhokhwa ekuseni yesikweletu uzodinga:

• kuthuthukiswe ukuze uthumele ku-akhawunti yakwa-isamba elanele;
• ngelanga, ke emuva le tranche esilandelayo, etholakala umsebenzi ebhange imvume ekhethekile sokukhokhwa ekuseni imalimboleko;
• ngemuva kokwenza izindlela ukubuza isisebenzi sasebhange ukuthuthukisa ishejuli yenkokhelo entsha, okusekelwe esele;
• uma une lonke inani ukuqinisekisa ukuthi loan ivaliwe, bese ucela isisebenzi Savings Bank ukukubuyisela isitifiketi esiqinisekisa leli qiniso.

Uma loan has a schedule umahluko

Uma izinkokhelo zakho engalingani, nawe kufanele uvakashele isikhungo credit (kuleli cala - Savings Bank). ukubuyiswa kwemali Ekuqaleni Kulokhu kwenzeka cishe ngendlela efanayo:

• wethula amaphuzu Lesisemkhatsini inemali eyanele;
• Sinxusa isisebenzi sasebhange imvume ngaphambi kwesikhathi sokukhokha imali ebolekiwe (noma ingxenye yayo);
• ngemvume ukuyekwa;
• sicela ukubala esele esikweletini bese udala uhlelo olusha ukubuyiswa kwemali.

Isexwayiso! Naphezu kweqiniso lokuthi sokukhokhwa ekuqaleni we loan Sberbank isithakazelo, izinhlawulo kanye akusho awathathe, asesengaphansi badinga ukulandela imibandela:

• uqale yokukhokha masinya loan ingaba izinyanga ngaphambi kwe-3 ngemva kokubulawa yayo;
• neqhaza angeziwe ngoba befuna imbuyiselo ekuseni, usale nezikweleti, ungakwazi ngasiphi isikhathi, kodwa inkokhelo elandelayo edingekayo kufanele uqinisekise, ngokuhambisana schedule.

ukubuyiswa kwemali Sakudala a mortgage

Nanku-ke umbuzo, njengoba senkokhelo ekuqaleni imali-mboleko mortgage. Savings kulokhu njengoba akaphinde asibalele yimiphi imikhawulo, ungenza yisiphi isamba ngisho ukubuyela loan ngokugcwele.

Yiqiniso, ukuba abuyisele wonke izikweletu ngesikhathi esisodwa ithuba akunakwenzeka ukuvela, kodwa amanani amancane kungenza nsuku sasivumela njalo. Kunezindlela ezimbili ukubala esele ku-mortgage yilezi:

1. Nciphisa usayizi inkokhelo yanyanga zonke ngenxa imali odlule eyengeziwe. Le ndlela ngokuvamile sisetshenziswa uma iklayenti akuyona ungaqiniseki ngalokho amazinga okuphila esikhathini esizayo ngeke kushintshe, futhi ungakwazi ukukhokha amanani abalulekile isikhathi eside. Nokho, Igama elithi Imininingwane yemali ebolekwayo, ayiguquki.
2. Shiya izinkokhelo saziso nyangazonke ezingeni elifanayo, kodwa ngenxa ngokweqile okuholela ukunciphisa loan eside uqobo. Le ndlela zithandwa kakhulu njengoba kubhekwe ukuthi ngale ndlela ungakwazi kakhulu ukunciphisa ngokweqile Imininingwane ku loan.

Kunoma ikuphi, ngaphambi kwesikhathi akhokhe isikweleti, kubalulekile ukuba uhlole inkontileka ngokucophelela. Mhlawumbe kakade pre-ibhaliswe zonke izindlela nemibandela buyiselo zakuqala.

Yini okufanele ngiyenze?

Ngakho, step by step imiyalelo:

1. Lalihlezi ngaphansi Sberbank isicelo buyiselo zakuqala.
2. Gcwalisa namanye amadokhumenti, uma kudingekile (lokhu uzokutshela umphathi).
3. Sikucela isisebenzi yasebhange recalculate ngokwemali esele eyibhalansi, noma zenzele wena usebenzisa i-wokubala kuwebhusayithi yayo.
4. Senza imali ku credit yakho score.

Iphuzu elilodwa elibaluleke: uma inhloso yakho iwukuthola ukuthi afeze buyiselo zakuqala (nhlobo noma ngokwengxenye), woza ebhange zingakapheli izinsuku eziyi-7 ngaphambi inkokhelo saziso. Kungenjalo akwenzeki lutho, inkokhelo izobanjelwa njengenjwayelo, kodwa senkokhelo ngaphambi kwesikhathi kufanele idluliselwe enyangeni elandelayo.

umshwalense ukubuya

Uma ibuyisele le mali ngaphambi eside, ungagcina hhayi kuphela iphesenti. Ungase futhi ukubala ukubuya yomshuwalense uma ukubuyiswa kwemali ekuseni imalimboleko (kodwa hhayi wonke umuntu uyazi ngakho).

Okokuqala, udinga ukuxhumana inkampani yomshuwalense (hhayi ibhange) bese uthumela lezi zincwadi ezilandelayo:

• iphasiphothi kazwelonke;
• ikhophi isivumelwano sesikweletu;
• isitifiketi ebhange isikweletu phindisela ngokugcwele.

Futhi uyoba ukubhala isicelo esibhekiswe ikhanda IC, okuyinto kubonise ukuthi ufaka isicelo umshwalense imbuyiselo uma ukubuyiswa kwemali ekuseni imalimboleko.

Ngaphambi kokuthatha isinqumo ukubuya umshwalense, ufunde isivumelwano. Njengoba ungase ucabange, ukuba nemali akekho umuntu othanda, ikakhulukazi izinkampani zomshuwalense, ngakho-ke kungaba 3 izinhlobo izimo:

1. Imbuyiselo iyawumphika wena. Ngakho iyinombolo kahle esikhulu amaklayenti. Iqiniso liwukuthi ezivumelwaneni eziningi lapho fake "ohlangothini" lelipelwe izimo IC ivikela uqobo kusukela imbuyiselo ngaphansi kwazo. Kuphela nje ngesikhathi sokubhaliswa athole udumo ngale izinhlamvu ezincane ezimbalwa abantu unake. Thola imali yakho emuva, cishe uzokwazi, kuphela ke kuyodingeka acele usizo nommeli ongumakad 'ebona.
2. SC izobuyisa imali kuwe ngokwengxenye. Lesi senzakalo kungenzeka kunjalo, lapho emva umshwalense ukubeka bekulokhu izinyanga ezingaphezu kweziyisithupha. Umshwalense Abasebenzi ngokuvamile siphikelele ngokuthi akuyona imali waya nezindleko zokuphatha. Uma inani lemali ufuna ukuthola sikhulu ngokwanele ukwenza isicelo sokuthola isilinganiso ebhaliwe izindleko ezivelayo. Nokho Lokhu kuzokwenza uthole isinxephezelo esiphezulu, isinyathelo njengoba wazi, futhi inkantolo.
3. A imbuyiselo egcwele. Ngokuvamile, yonke imali UK ngaphandle umbuzo ukubuyiselwa lapho loan ukuthi kubuyiselwe ezinyangeni 1-3 emva ukubhaliswa. Kulokhu, ngaphambi kokuba kuqulwe icala, cishe ngeke woza, ngoba UK akunakwenzeka ukuthola noma yikuphi ukuphikisana.

ezinye umehluko wemisindo nemiqondo yamagama

Uma kwenzeka buyiselo zakuqala imalimboleko kuyafaneleka ukucabangela amaphuzu ambalwa abalulekile:

1. Ngaphambi kokuxhumana ebhange, zama ukwenza zonke izibalo ngokwakho, lokhu kuzokusiza wokubala enkokhelweni loan (esizeni Savings Bank). Gcwalisa izikhala bese uchofoza inkinobho "Bala", ungabona yimalini uhlala okumele ikhokhwe, entsha (eseduze) ishejuli yenkokhelo kanye neminye imininingwane ewusizo.
2. Ngokuvamile, ukukhokha yonke imali ebolekiwe ngenyanga yokuqala emva ukubhalisa akusebenzi, ngezinye izikhathi awukwazi ukwenza yokuqala 3 noma ezingu-6 ezidlule. Ngakho-ke ngaphambi akhiphe loan, ufunde ngokucophelela isivumelwano, ikakhulukazi kuleyo ngxenye-ke lapho kwabo okubhaliwe ngoMthethosivivinywa buyiselo zakuqala.
3. Sebenzisa buyiselo ekuseni noma nini uma kungenzeka, ngoba konga imali eningi yakho.