Loan pa chiwongola dzanja osachepera: kopita?

Kugwirizana ndi banki zopindulitsa, m'pofunika kuti ayanjane ndi pulogalamu ya gombe. Loan pa chiwongola dzanja osachepera adzakhala kusankha bwino, chifukwa sadzakhala ndi overpay. Tsopano ena mabanki kupereka chofanana, muyenera kusankha zoyenera. Ndi kwambiri zaphindu kutsatira Sberbank, koma zambiri makasitomala mufuna kusonkhanitsa deta zikalata zosiyanasiyana ndi kubatizidwa ndondomeko yaitali kulembetsa.

Kopita?

mabanki ambiri kugwira ntchito mu Russia, kupereka mawu yake. Koma si onse amene ali opindulitsa kwa anthu. Mapulogalamu amasiyana mawu a kalembera wa mgwirizano, mitengo ndalama. Loan pa chiwongola dzanja osachepera muyenera kuti apereke mu banki adafikapo. mndandanda lawo kumaphatikizapo:

1. "Sovcombank".
2. "Kubadwa Kwatsopano Mawu".
3. "Home Mawu".
4. Sberbank.
5. "Citibank".

Kampani amapereka munthu njira. Kopeleka malipiro makasitomala ali ndi ufulu kupeza zinthu yabwino kwa mgwirizano. Inu angatanthauze banki kumene anatsegula m'chigawochi. mabungwe kukopa makasitomala mapulogalamu ndakuwonetserani, choncho ngongole pa chiwongola dzanja osachepera lidzakhala tsiku lenileni.

Nthawi zambiri ochepa kubisa ndalama zazikulu, zina ndalama ndi inshuwalansi. M'pofunika ntchito misonkhano ya anthu mabanki amene kubisa overpayment. Chilungamo cha nkhani imeneyi n'kofunika kwambiri.

Kodi kupeza anthu osachepera?

Kupeza ngongole pa chiwongola dzanja osachepera, muyenera kusankha pulogalamu bwino. Kuti kalembera wa ogula ngongole ndi zofunika:

• ndi malipilo mkulu;
• kupereka ina;
• kukhala mwini wabwino ngongole mbiri;
• kukopa guarantors.

Zimenezi zimathandiza kuti msanga kudutsa mayesero onse, analandira yankho positive. Choncho makasitomala zimaperekedwa zinthu zabwino. amachepetsa yaitali mlingo chilolezo. Ngongole pa zikalata 2, amene linapereka 1 tsiku, ndi amaposa. Bank nkhani ndi ntchito mkulu, kapangidwe banja. M'pofunika mosamala lembani mawonekedwe, musaphonye mphindi iliyonse ofunika.

kuchuluka osachepera

Mungapeze umafuna, umene mlingo panopa 10% kwa ogula ngongole. Chiwerengero osachepera akhale apamwamba. Mlingo kuzungulira 15-20%. chithunzi A pamwamba 20% si chuma zaphindu.

Mu dera lililonse ndi mitengo yosiyanasiyana. Choncho muyenera kuti ayanjane ndi maganizo a mabanki angapo, kusankha bwino. Iwo sitiyenera kuyang'ana zinthu zosatheka yopindulitsa pulogalamu chifukwa mabungwe ndalama sadzakhala ntchito patsikulo. Ndi osafunika kuti ntchito intermediaries ngongole, monga ambiri a iwo atenga kuchuluka.

ngongole akulimbana

Cholinga ngongole pansi kuchuluka osachepera chandamale mu Moscow ndi zodula ngongole. Wobwereka amene alibe zolinga zenizeni, akupereka chiopsezo cha banki. Ngati mukufuna ndalama kugula galimoto, maphunziro kapena yopuma ulendo, muyenera kusankha kopita ntchito.

Pali kuthekera processing ngongole kuchipatala kapena ukwati. Mapulogalamu amenewo adzapulumutsa 3-5% pa annum. Ngati inu mukufuna kupeza ndalama zambiri, ndiye bwanji adzakhala noticeable. Mapulogalamu akulimbana muyenera zolembedwa zina, komanso kutsimikizira kuti ndalama ntchito monga anafunira.

Mitundu ya ngongole Bank ndalama

Sberbank opindulitsa chiwongoladzanja pa ngongole. bungwe amapereka mitundu yambiri ya ngongole:

1. Ogula. Mungathenso amafunikira tsiku lililonse. Yokhala mu komitiyi - zaka 25.
2. Nyumba. Pamodzi ndi kupeza malo mu nyumba yatsopano kapena kumanga nyumba yanu. malipiro nyengo - kwa zaka 30.
3. Car. Ngongole adzapatsidwe kwa ogulidwa magalimoto munthu. Loan akuti - mpaka zaka 5.

Aliyense utumiki ali peculiarities yake kulembetsa. Zambiri za iwo angapezeke pa webusaiti kapena mu ofesi ya gombe. Kupanga ngongole iliyonse kumafuna kusaina mgwirizano, imene muli mawu ndi zinthu.

Kupeza ogula ngongole

Mu ndalama Bank mukhoza kutenga ngongole kuti pensioners pansi kuchuluka osachepera. Zalembedwa ngongole ndi ina ndi chitsimikizo. The pazipita kuchuluka kwa pafupifupi 1.5 miliyoni rubles. Malipiro nyengo uli mkati miyezi 3 - zaka 5. Kuti ndalama muyenera kukonzekera zikalata popanda pulogalamu lachitatu chipani:

• ntchito;
• pasipoti;
• provisional kulembetsa kutsimikizira;
• ntchito ndi kuchuluka kwa ndalama.

Ngati mukufuna ndalama zambiri, ndi chofunika kuti uitane guarantors. Chonchi zikhoza ndikafike 3 miliyoni. Chigamulo atengedwa ndi banki mu masiku 1-10. Mu mitengo ndalama Bank chiwongoladzanja pa ngongole kungakhale otsika pamaso pa ina malo. Ndiye, wambirimbiri amaperekedwa.

Mokoma ntchito

Ngati munthu sakhala ndi kasitomala mpaka kalekale Sberbank, mlingo adzakhala 19-20%. Posankha ngongole mu ndalama za overpayment adzakhala 15%. The osachepera kuchuluka kwa ngongole ku banki ndalama ndi 15 zikwi rubles, ndi pazipita -. 750 zikwi rubles .. Ngati pali makonzedwe ndalama ndi kawiri. Nthawi crediting ndi zaka 5.

zinthu zabwino ziti zomwe makasitomala. Mlingo adzakhala m'munsi mwa 8-10%. A osachepera kuchuluka ndi pazipita adzakhala pa mlingo chomwecho. Iwo likukhalira kuti overpayment adzakhala yaing'ono.

inshuwalansi

utumiki n'kopindulitsa kwa mabanki, amene amaopa imfa kapena imfa ya mphamvu makasitomala. Childs, kuchuluka kwa malipiro ndi wofanana ndi udindo, koma sangathe kukhala apamwamba kuposa 3 miliyoni. Rubles. Voterani ndi za 2-3%, koma aliyense kasitomala iwo anapereka payekha.

Insurance sikowumiriza. Ngati banki amanena kuti aphedwe pangano amakhudza njira, mukukhulupirira izo ziyenera kukhala. Ngakhale ngati inshuwalansi si anasankhidwa kupitiriza ndikupeleka sizidzasintha.