Yikuphi okungcono ukuthatha yibhange imali engango: yokulinganisela kanye nokubuyekeza

Ngeshwa, ezweni lethu ngenxa yesimo sezomnotho sekuyisikhathi eside abampofu. Izidingo wonke umuntu. Kodwa akubona bonke imali ikhona ukuba babahlangabeze. Ngenxa yokuthi abantu abaningi bayanqikaza yokubhalisa loan. Nokho, kuyinto - nesinqumo esinzima. Ngakho abantu kumele babheke ngokucophelela esikhungweni sezimali enikeza inani elihle kunawo loan imigomo. Kwaze kwaba yilapho sebeshiye Ngokuqhathanisa ongakhetha eziningana kuvela ukuqonda lapho amabhange engcono ukuthatha imali-mboleko.

umholi akunakungatshazwa

Endaweni simo sokuqala, yebo, kufanele Sberbank. Yikuphi futhi akumangalisi lokhu. Phela, iyona enkulu kunazo zonke futhi "yobudala" ebhange eRussia, iningi ukwabelana ngazo (52%) kungokwalabo CBR.

Lokhu isikhungo sezezimali inikeza eziningana izinhlobo sokubolekwayo. Ngokwesibonelo, cabangela izinkondlo, umthengi. Esikhathini Savings Bank ke nihlela ngisho okungaphephile. Inani eliphezulu - ruble ayizigidi ezingu-1,5, izinga - kusukela 16.9%, kanti elithi kungaba kuya eminyakeni emihlanu.

enezimo ezingcono eyasinika ngubani angakufakazela ukuthi umuntu ngokomzimba. Khona-ke inani kungenzeka imalimboleko luyanda ruble ayizigidi ezingu 3, futhi inani lenzalo iqala s13.9%. Ezingenakuguquleka isikhathi kuphela.

Abantu abaningi banesithakazelo kulokho ebhange kungcono ukuthatha imalimboleko, uthanda ukwenza izibalo wokulungiselela, ukuze kusizakale ezingaba kungaba futhi ubone. Nokho, ungakwazi ukunikeza isibonelo. Umuntu amasentshana ruble 60,000 ngenyanga, bakhokhelwa ikhadi Savings Bank, unekhono ukuthatha iminyaka emibili, mayelana 640 000. Ngaye, inani lenzalo kuyinto 13.9% ngonyaka. Inyanga ngayinye kuzodingeka-30 550 k., Futhi nenani ngokweqile ngenxa kungaba 95 000.

"VTB 24"

Ukukhuluma ngokuthi yini ubhedu ibhange ukuthatha ngesikweletu, ingasaphathwa kanye "VTB 24". Phela, amazinga e, inhlangano uthatha indawo yesibili.

"VTB 24" inikeza eziningana izinhlobo ukubolekisa umthengi. "Vala" - kusuka 400 000 kuya ku-3 000 000, ngoba isikhathi esiyizinyanga 37-60, nge rate of 15.9-17.9% ngonyaka. "Speed" - 100 p m .. kuze kufinyelele 3 million. Igama elithi, okuzodingeka kuqala nokuqhubeka bekhokha isikweletu 6 kuya 36 izinyanga. Futhi uhlobo lokugcina - kuyinto "Ukugunda" credit. Njengoba kungase kuthathe isamba 100 m. P. ukuze 399999 p. Inkathi - kusuka 37 kuya ku-60 izinyanga, izinga - 16.9 - 25%.

By endleleni, abantu abaningi bezibuza ukuthi iyiphi ebhange kungcono ukuthatha loan indlu, uthole iseluleko ukusisebenzisa ku "VTB 24". Kulesi inhlangano ngempela izimo esihle. Ake sithi umuntu ufuna ukuthenga efulethini 1 enamakamelo ngoba ruble 4 million. Kuzodinga umnikelo sokuqala 1 200 000. Inani labantu uzimisele ukuthenga izindlu ezinjalo, ngokuvamile phakamisa. "VTB 24" linikeza kulokhu ukuhlela mortgage iminyaka 10. Uma umuntu uthola inyanga mayelana ruble 65 000, isilinganiso singamaphesenti% ngonyaka 11.4 nje kuye. A isidingo sokukhokhela ku 39 000 deda. / M.

"Rosselkhozbank"

Lokhu isikhungo sezezimali ekhona wesithathu kule simo. Abaningi, kokuba wafunda ngokuningiliziwe umbuzo ukuthi, kulokho ibhange kungcono ukuthatha imalimboleko, ukhetha "Rosselhoza". kunenzuzo Ikakhulukazi ikhambi labo bantu abathintekayo "iphrojekthi iholo" kwenhlangano ngubani. Kubo, inzalo emalini ebolekwe umthengi ngaphandle isibambiso iqala 15.5% ngonyaka. Uma umuntu efuna ukuthatha ayizinkulungwane 750 ruble (inani lemali) izinyanga 36, nge Iholo ngenyanga 60 000 deda., Bese-ke kuyodingeka ukunikeza ingqikithi 26 000 deda. / M., At izinga 16.9% ngonyaka. Akumangalisi ukuthi abantu abaningi bakhetha "Rosselhoz" uma unombuzo mayelana oda lapho ibhange kungcono ukuthatha ngesikweletu.

Ngaphezu kwalokho, kukhona amadili best abatshelekayo. Ukuze izindlu LCD "Tsaritsyno", isibonelo, setha ubuncane inani lenzalo yonyaka enikezwa 7.5%. Kodwa nokho kukhona lempi mortgage loans izindlu zangempela sithengwe ukweseka uhulumeni kanye nezinye iziphakamiso eziningi. Ungakwazi ukuhlela ngisho loan ekhaya ku imibhalo emibili! Kuphela ke kuyodingeka wenze umnikelo kokuqala 40%. ikhono komuntu ngokushesha akhokhe leso samba semali kuyinto isiqinisekiso temlomo imali yakhe. Uma ufuna, ake ruble esigidini esisodwa baya ezigidini izinyanga 36, isilinganiso singamaphesenti 14.4% ngonyaka kuye. Kuphela imali nyangazonke kufanele kube 60 m. P. Ngoba zonke izinsuku ezingu-30, kuzodingeka amathani 40. P. njengoba lokukhokha.

"Alfa-Bank"

Ngo amazinga amaningi, okuyinto ebonisa ngokucacile lapho ibhange kungcono ukuthatha loan imali, inhlangano kufakwe ezintathu phezulu. izimo ezikahle. Inani eliphezulu - ruble 2 million. Ithemu - kusukela kwabaneminyaka engamashumi zi oyedwa kuya kwabahlanu. Ikhomishini Ayikho guarantors akuzona kudingekile, inani lenzalo yonyaka enikezwa siqala 13,99%, futhi isiqunto sokunikela luzakwenziwa zingakapheli izinsuku. Futhi kungenzeka buyiselo zakuqala, empeleni uyavumelana ngisho ocingweni.

Futhi kwabasebenzi amaklayenti ale nhlangano inikeza izimo ezinhle ku-mortgage. Uma umuntu efuna ukubuyisa indawo emakethe yesibili, khona-ke ungakwazi ukukhipha imali iminyaka 5-25 nge umnikelo sokuqala-30% bese idokhumende lokubhalisa eyodwa nje kuphela. ngaleyo ndlela Izinga azisizi 17.3% ngonyaka. Uma ufuna ukuthenga indlu, kulindeleke ukuba wenze umzamo 40% wezindleko.

"Gazprombank"

Abantu abaningi bathi - kungcono ukhetha le nhlangano, ngiye kuvese umbuzo mayelana oda lapho ibhange kungcono ukuthatha ngesikweletu. Abaningi bathi omunye the best.

Uma akhiphe loan isikhathi enyakeni owodwa, izinga kuyoba 13% software futhi 14% - ngaphandle kwakhe. Loan kudingeke uhlele ukuba kudlule isikhathi eside? Uma-ke ngeke ifane kusuka onyakeni owodwa kuya eminyakeni emithathu, lonyaka lenzalo kuzokhulisa ukuba 13.5% kusuka isofthiwe futhi kufika 14.5%, uma kungekho anjalo. Futhi phezu loan isikhathi esiyizinyanga 36-60 kuyodingeka bakhokhe 14% kanye no-15% ngokulandelana. By endleleni, "Gazprombank" ikhasimende izinga ngezansi 0.5%.

-OTP

Le nhlangano, futhi, ayikho indawo yokugcina kule simo izinhlangano zezimali ezicwaningiwe. Ngaphezu kwalokho, abaningi belulekwa kwaba wakhe, uma umuntu nesithakazelo esikhulu kulokho okufanekiselwa yasebhange kungcono ukuthatha loan umthengi.

Ukubolekwa kwemali evela-OTP kabanikezi ukheshe labo okulindeleke nganoma iyiphi injongo. Ake sithi umuntu udinga ukuthatha amathani 500,000. P. isikhathi esiyizinyanga ezingama-24. Yena inganikeza ukubheja 14.9% ngonyaka futhi inkokhelo yanyanga zonke ruble 24 220.

-OTP Mortgage kungenkathi evumayo kakhulu, ikakhulukazi amakhasimende "yabo". elithi Maximum - iminyaka engu-30. A mortgage nohulumeni usethe amazinga 11.2%. Ukuze izakhiwo ezintsha - 12%, kanye nezezindlu esiphelele.

By the way, iTNA ubambisana izinkampani eziningi, ukuthenga izikhungo okungase esikhishwe izitolimende noma ezikweletu. Lena i-DNS "I-Messenger", "Euroset" Media Markt "Techno-Force", "MegaFon", "585", Elena Furs kanye nezinye brand amaningi athandwayo.

"BIN"

Lokhu kubuye kwetfulwe owaziwa commercial isikhungo sezezimali. Abantu abaningi bavame belulekwa ukuba uxhumane nabo uma umuntu unesithakazelo ukuthi yini ezilungele kangcono ukuthatha yibhange imali engango kunenzuzo.

Okuncane isamba - 100 000 t p, esiphezulu -. Million. Izikhathi Delivery ingase ihluke 24 kuya kwangu-84 izinyanga. Izinga iqala ngo 16.5%, bese isiqunto sokunikela esithathwayo izinsuku ezintathu.

Uma umuntu client of "BIN", angase ukukhipha ruble esigidini ngaphansi 5,16% ngonyaka, naphezu kweqiniso lokuthi ukukhokha njalo ngenyanga kuyoba 26 m. P.

Nalapha futhi, mortgage kungenziwa ikhishwe. Okuncane inani lenzalo yonyaka - 11,25%, elithi - iminyaka 5-25. Inkokhelo yokuqala kufanele kube-15%. Umkhawulo loan lemali akugcini, kodwa okungenani -. 600 k. (EMoscow), 300 r. P. (Ezinye izindawo). Thatha isinqumo zingakapheli izinsuku ezinhlanu. By the way, Kusengenzeka ukunciphisa ngokwengxenye imalimboleko, inani izinkokhelo noma ukubuyiswa kwemali ekuseni.

"Ugra"

Lokhu okuhlangene isitokwe inhlangano kwezohwebo. Ukukhuluma ngokuthi yini ubhedu ibhange ukuthatha loan (uhlu lwamagama, njengoba sabona ebanzi kakhulu), kufanele ukunakwa "Ugra" kuphawula. Unika izinhlobo ezine ukubolekisa umthengi. Kukhona "friendly", "nganoma iyiphi injongo", "Oqotho," futhi "Pension". I engavamile walesi ibhange wukuthi akukho izimo jikelele - ngamunye lapha yeklayenti ngayinye akhethiwe isiphakamiso, ngokuhambisana imali yayo futhi ithuba. Ngakho sokubhaliswa kumele kuqala ugcwalise isicelo.

Kungokufanayo uya mortgage. Kodwa kukhona ezinye amazinga. Inkokhelo yokuqala kufanele kube ngu-20% welinani selilonkhe. esithize ekuvumelwene - zeminyaka esukela kwemithathu kuya amathathu. Inani ubuncane ruble 300 000, esiphezulu - 10 million p.

"Avtotorgbank"

Lokhu isibopho sezomthetho esilinganiselwe futhi uzinake ukunakwa, ukhuluma ngani, lapho ibhange kungcono ukuthatha ngesikweletu. Isilinganiselwa ikakhulu ubonisa amagama ezidumile yisikhungo sezinhlangano eziphambili zezezimali. Mayelana "Avtotorgbank" wezwa ambalwa. Kodwa linikeza izimo ezikahle sokubolekwayo imoto.

Ngezinye abalingani wenhlangano eziningi, kuhlanganise abakhiqizi angaphandle abaziwayo. Imali nezindaba ukubolekisa imoto yasebhange euro, zamadola ruble. Okuncane isamba - ruble 300 000, esiphezulu - 5 million. Isikhathi kungaba isukela izinyanga 6 kuya ku-60. Inkokhelo yokuqala kumele okungenani ibe ngu-20% yezindleko umshini. Idiphozi kungadingeki, njengoba uthole ukuthenga imoto (wena kuzodlula TCP imali ebhange).

Uma umuntu ucosha lemali isikhathi 6 izinyanga ezingu-12, izinga lonyaka kungaba 18%. Kusukela 13 kuya ku-36 - 19%. Futhi kusukela 37 kuya ku-60 - 19.5% ngokulandelana. Abaningi ukuthatha loan euro noma zamadola, ngoba noma kunjalo, kungakhathaliseki ukuthi isikhathi akhethwe ikhasimende, izinga kuyoba 15%. Kodwa kulokhu kakhulu kunobungozi, futhi akuqinisekile exchange rate.

"Sovcombank"

Le nhlangano futhi uzinake ukunakwa, labekhuluma ngalo ebhange kungcono ukuthatha ngesikweletu. Izimpendulo ngakho ikakhulukazi omuhle. Phela, "Sovcombank" kwenza amakhasimende ayo ne amadili best. Nokho, amasevisi efanelekayo kwenhlangano ukuze labo bantu abadinga esincane. Ngakho, ngokwesibonelo 100 000 kungenziwa ikhishwe at 12% ngonyaka ebhange. Izimfuneko ababoleka ongaphakeme - yisakhamuzi isiRashiya, yobudala engu-20 kuya ku-85, ezingu-4 isikhathi emsebenzini wokugcina kanye nokubhaliswa unomphela esifundeni (futhi izikhathi esiyizinsuku ezinga-120).

Kukhona umthengi credit "Standard" nge isamba esiphezulu ruble 200 000, "Superplyus" (600 000 deda.), "I-Pension", "Express" ngisho loan okuthiwa "Luyakhandla" enikeziwe phezu isethulo of passport futhi amadiploma imfundo ephakeme .

Ukuthi amakhasimende usitshele?

Ekugcineni, ungakwazi ukukhuluma kancane ngalokho hlobo lwempendulo osebeni ushiye abantu ukuba basebenzise amasevisi abo.

Amazwana zihlukile. Eshiwo ngaphambili "Savings Bank", isibonelo, uthola kokubili impendulo engeyinhle futhi ube owakhayo. Iqiniso lokuthi inhlangano ziwumthwalo izidingo eliphezulu kakhulu ababoleka ezingaba khona. Futhi uthole ebolekiswe ku evumayo ephansi isithakazelo kungaba umuntu, ngenxa nemali etholiwe yibo, hle ukuzwa isidingo athathe isikweletu. Ngokwesibonelo, lapho echaza amasevisi wawuthi inani eliphezulu - ruble ayizigidi ezingu 3 (yisiboniso). Kodwa ngisho emibili nengxenye kwezigidi ezingu anganika izinyanga 60, kuphela umuntu nakho iminyaka eminingi futhi ukhokhela 150 000 deda. / Inyanga. Kodwa akulona inzuzo, njengoba inani lenzalo yonyaka kuyoba 14.9%, kanti isamba overpayments - 1130000 p. Ngakho ukuthi amanani phikisa.

Ngu "VTB 24" amakhasimende wenze ezinye izicelo. Ngokuya amazinga kanye inkonzo zonke ngokwethembeka okuhle - njengoba encazelweni, kodwa ukulinda isikhathi eside kakhulu. Isicelo asikwazi njengelinye lamazwe hhayi ngisho amasonto amabili. Ngoba, uma kwanqunywa ukuthatha loan "VTB 24", kungcono ukukwenza ngaphambi kokubhalisa. Kuyefana nasendleleni "Rosselkhozbank". Futhi cishe nguye ofanelwe udumo ngenxa isizumbulu kanye nesilinganiso ukuncintisana isithakazelo inyuka uma umuntu eseduze ngesimo impahla ezibizayo. Ngakho abantu bayaqinisekiswa ukuthi wawuhlotshiswe boleko "Rosselkhozbank".

Futhi amazwana ambalwa mayelana ebhange OTP. Le nhlangano kuthiwa amakhasimende ayo, limi liqinile futhi kuyamjabulisa ezinye ezinhle zenzalo. Abantu abaningi ezathatha udumo, izikhumbuzo njalo zivela ibhange senkokhelo izikweletu. Abanye abantu ungathandi, kodwa lokhu kwenziwa ngenxa abantu abakakhohlwa - ukuze kube lula.

Ngokuvamile, eRussia ziningi imbiza enhle. Isinqumo athathe isikweletu - luyisinyathelo esingathí sina futhi enesibopho. Ngakho senza ukukhetha esivuna inhlangano kudingeka kuphela ukuba sicabange ngokucophelela futhi bazijwayeze nemibandela wonke amabhange ihlolwe.