Umthengi credit: Sberbank linikeza izimo ezinhle

Isevisi ukuhlinzeka ayeyiboleke labantu elikhula ngokushesha. Abezindaba ungezwa njalo noma ubone izikhangiso nezithembiso ezinhle imali ngamaphesenti angu-zero. In practice, lokhu kuyaqabukela kungenzeka, kuphela uma nomkhiqizi umkhiqizo noma isevisi ukulungele ukukhokha ekhukhwini le inzalo emalini ebolekwe, ikakhulukazi ukuze kwandiswe yokuthengisa. Kuzo zonke ezinye izimo, sikhuluma ejwayelekile loans yasebhange, okuyinto kufanele ukhokhe inzalo. Ukukhethwa kungenzeka kuphela evumayo ezithiwa kuchazwe imigomo nemicimbi ekhethekile.

Uma senza ngazo, ezihlinzekwa yisikhungo sezinhlangano eziphambili zezezimali, ukubolekisa lalolo, kuba ikakhulukazi lezi zinhlobo ezilandelayo ababonakali ngezikhundla: a mortgage, ukuthenga imoto pahla. Sberbank inikeza zonke izinhlobo izinkonzo ezifanayo, futhi owokugcina kulaba watshela kamuva kulesi sihloko.

Okokuqala sidinga zokunquma ukuthi waba ini Ungasebenzisa lawa sokubolekwayo. Abakwazi ukukhokhela ekhaya ngcono noma imoto, ukuthengwa zasendlini, ngisho ukuhamba, okungukuthi umgomo irisidi yayo kungaba ezingafanele. Ngaphansi kwazo zonke lezi zidingo, ungakwazi futhi bazishaye isifuba ngokuthi umthengi. Sberbank inikeza izinhlelo eziningana.

Iphakheji ejwayelekile in inani izikweletu ungathola ruble ayizigidi ezingu 3, kodwa kulokhu kudingeka ukuqinisekisa abanye abantu. Uma engekho ningaqiniseka ukuthi inani hhayi okungaphezu kokukodwa eziyisigidi nesigamu. Ngokuvamile, ukubheja ubuncane isebenza ngendlela izimali zakwamanye amazwe amakhasimende ekhona (isib, amalungu amaphrojekthi komholo). Isikweletu kungenziwa ukhokhelwe kuya eminyakeni emihlanu, futhi ungakwazi ukuthatha it in ruble noma izimali zakwamanye amazwe.

Umthengi credit - Google kanye nezinhlelo ezikhethekile

Lower zenzalo kungenziwa ukhokhelwe uma kwenzeka impahla engaba umboleki, esitholakala angashiya njengendlela idiphozi. Inani wabo ukuthi aseqeli 14.5% ngonyaka. I "ukuboleka" zingaba nkulu ngempela okunqala (kuze ruble abayizigidi eziyishumi) bese usisebenzisa lutho.

Labo abadinga imali imfundo (yesibili, ephakeme noma zesibili), kunezizathu eziningana ukuba banake Sberbank. "Ukuqeqeshwa umthengi Credit" has a izindawo ezingconywana. Izinga lenzalo yemali mboleko ingaphansi kwe sokubolekwayo ejwayelekile, futhi isikhathi sokukhokha luyanda iminyaka engu-11.

Olunye uhlelo loan, lapho kungenzeka ukukhokhela imfundo yabo, ukusebenza uxhaso emphakathini. Umkhawulo loan mali ayeqi izindleko ukuqeqeshwa, futhi ungakwazi ukukhokhela iminyaka eyishumi ngemva kokuqedwa kwalo. Inzalo loan, "ezintantayo", iyashiyana inani refinancing. Kunoma ikuphi, ukubaluleka kwabo ngokuphongoza ohlangothini ezincane, futhi okwamanje kancane kuka amaphesenti amahlanu. Kuyinto edabukisayo ukuthi ungakwazi kuphela uthole le mali ukuze ikhokhele ezemfundo wezemfundo, okuyinto isidlulile kokutjhejisiswa ngokubamba iqhaza ohlelweni.

Umthengi credit - Savings Bank nezinye ababolekisi

Uma uqhathanisa lokhu nezinye izinhlangano zezimali - efanayo futhi anikele izinkonzo ezifanayo - ungakwazi Kumake uquketheni ezilandelayo:

• ngokwanele siqotho nemibandela umboleki;
• Amaphesenti iphansana;
• izikimu esobala izinkokhelo;
• Ayikho ikhomishini.

Kulabo abafuna ukubolekwa imali esheshayo yokuqinisekisa engenayo ekhona, umgwaqo uvaliwe ukuze Sberbank. Lokhu kubolekisa ngemali ezikahle kufanele abheke kwenye indawo, kuyilapho inani lenzalo kuyo bazoqondiswa yagingqika amaphesenti amabili ngonyaka.

Ngakho, uma udinga ukuthola umthengi loan, Sberbank linikeza izimo ethakazelisa kakhulu. Obolekayo kuphela edingekayo ukuqinisekisa imali yakho, ukuqoqa amaphepha adingekayo bese ulinda isikhathi esithile, ngesikhathi lapho isicelo sakhe ezocatshangelwa.