Loan wa Sberbank la Russia - mipukutu ndi zikhalidwe chopezera

Kumayambiriro zaka za munthu amakhala ndi kudalira yaikulu ndalama, ichi ndi chifukwa chachilengedwe. Amene akufuna moyo motakasuka, ndi yatchi mwanaalirenji ndi nyumba ndi maganizo a boma la Russia, anthu ena kupeza ndalama maphunziro a ana, ndipo ena akufuna kuyambitsa ntchito zawo, koma iwo alibe kuyamba-mmwamba likulu. Kodi munthu angathetsere mavuto awo ndalama? Mwachibadwa, amatenga ku bungwe ngongole.

banki imakhazikika opereka ngongole ndi ngongole

Pakuti ambiri amatenga ngongole Sberbank - ndi njira yokhayo yotulukira. Chifukwa kusankha nthawi zambiri imagwera pa dongosolo la ndalama?

Mu malo oyamba chifukwa iye ali wopanda ntchito mbiri, amene wambirimbiri kwa zaka zambiri. Komanso, mu nkhokwe ya chikhazikitso banki pali ena wokongola wokongola ku mawonedwe za ubwino mapulogalamu kukongoza, ndipo munthu aliyense yekha akhoza kusankha njira yabwino kwambiri.

Inde, amatenga ngongole Sberbank - ochepa "dreary" ndondomeko, monga anthu ochepa kwambiri ngati kusonkhanitsa zikalata kupeza ndalama. Komabe, osunga ndalama ali Palibe sindikufuna lobweretsa zomvetsa ndalama, kotero kuti asanene amafuna wapadera kuti borrowers. Nthawi zambiri pali zochitika pamene makasitomala mosamala kwambiri anakana kumupatsa ndalama.

Panopa, amatenga ngongole Sberbank kwa wambirimbiri sangathe kukhala popanda miyeso wogwirizira, ndiko kuti, chikolecho pangano, chinthu wosawoneka, monga ulamuliro, sheya ndi malo.

zofunika

Ine ndikutsimikiza ambiri amadziwa mfundo zimene chimango aliyense ndalama satenga ndalama "aliyense." Mwachitsanzo, ngongole ya Sberbank chikalata anthu amene Russian nzika kapena mu udindo wa sanali anthu, koma analandira ufulu boma kuti azigwira ntchito mu dziko lathu.

Palinso zoletsa msinkhu. angamaganize kudalira ngongole, amene anali ndi zaka 21. Pankhaniyi, nzika zaka zoposa 60, monga ulamuliro, amakanizidwa ngongole, koma ali ndi mwayi mwayi pa pulogalamu yapadera ngongole. antchito Bank Komanso nthawi zonse bwinobwino ntchito ntchito wobwereka a. Mwachitsanzo, mukufuna kukonza ngongole kwa Sberbank. zinthu pangongole amatchula kuti muli ntchito pa ogwira ntchito chimodzimodzi kwa miyezi isanu. Kukumbukira zimenezi. Komanso, ntchito yanu okwana zinachitikira m'zaka zisanu zapitazi akhale chaka chimodzi.

Ndipo, ndithudi, kupeza ngongole ya ndalama Bank, mawu amene nthawi zina ndi disadvantageous kwa kasitomala, m'pofunika kuti munthuyo ali ndi wopanda ngongole mbiri. Ngati mwadzidzidzi likukhalira kuti kale anapanga ngongole ku bungwe lina la zachuma ndi sikuti kupereka ngongole yake chifukwa cha kukhwima ake, musadabwe pamene antchito ndalama Bank adzayankha inu anakana.

zikalata

Kuti inu mwamsanga aliyense, kulandira ngongole, samalani ndi mndandanda wa zikalata, zomwe ndi zofunika kwa kutha.

Choyamba inu adzafuna adzadziwire chikalata (a buku la original). Komanso inu adzafuna kupereka buku la ntchito, zimene ziyenera Pre-mbiri yabwino ndi abwana ake. Komanso, muyenera kupereka wantchito wa kudziwitsa bungwe ngongole kuchuluka kwa ndalama (2-DZENJE). Kumene, chifukwa chonse cha ngongole kubanki, muyenera kukhala msinkhu yoyenera malipiro.

Tikumbukenso kuti aliyense pulogalamu ngongole munthu amapereka mndandanda wa zikalata chofunika, nkhani zokhudza zingakhale mu ndalama Bank zipangizo malonda.

belo

Panopa, kuti kuchepetsa zomvetsa awo ndalama dongosolo ulemerero zikukangalika ntchito bungwe chitsimikizo. Komabe, pali mfundo zina zabwino.

Kwa anthu amene ali ndi chidwi mu funso mmene kutenga ngongole ku Sberbank popanda guarantors, pali m'modzi yekha uthenga wabwino: ngati tikulankhula za ndalama osati choposa 45 000, palibe "ukutitsimikizira" si koyenera.

Ngati munthu amafuna kwa 45 000 300 000, tiyenera tipezekemo kuthandizidwa ndi co-signer. Ngati kasitomala ayenera rubles 700 000 zikwi, kuti abweretse guarantors awiri, chabwino, pamene akusowa ndalama yaikulu ya ndalama - Anthu atatu ayenera kuima monga guarantors wa viability ndalama wobwereka lapansi. Pankhaniyi, zopeza zanu ayenera kukhala wotsika kuposa iwowo. Kuona kuti bungwe ndalama opereka ulemerero zambiri (kuchoka pa 300 000), Pakufunika kulanda katundu monga ina.

Mulimonsemo, ngongole yaikulu ku Bank ndi ndalama popanda guarantors - izi ndi zina nthano kuposa zenizeni.

Kodi kulemera kwa "ubwino" ndi "kuipa"

Musanayambe kusankha kaya kubwereka ndalama ku banki, muyenera zonse kuganizira mozama kupanga kuwerengetsera onse. Kutenga udindo ngongole, muyenera kukumbukira kuti zasungidwa anu ayenera kukhala zokwanira kubweza ngongole kuti mudzalipidwa pa nthawi. Apo ayi, mukhoza kukumba okha dzenje kwambiri ngongole.

Choncho, mukufuna kusankha kapena ayi muyenera ngongole kwa Sberbank. Kuwerengetsa "kuthekera" wa lingaliro, mungathe kugwiritsa ntchito Chiwerengero wapadera amene angagwiritsidwe ntchito pa Webusaiti zipata za Bank ndalama. Kugwiritsa ntchito chida ichi, muyenera kulowa adiresi okhala wanu, amasonyeza pafupifupi kukula kwa ngongole ndi nthawi yake alipire.

Ine ndikutsimikiza ambiri kuganiza mmene ndalama ngongole kwa Sberbank. Kuwerengetsa tsopano akubwereketsa njira iliyonse, kaya ndi kubweza kapena ogula ngongole. Ngati munapanga zotsatira aziwerenga, ndiye musati kuika mu chipinda ndi kuyamba kusonkhanitsa zikalata amatchulidwa mu pulogalamu kabuku kukongoza.

Mitundu zogwirizana kwambiri a kukongoza

Masiku ano, nambala yaikulu anthu, kuphatikizapo m'badwo pantchito apangirepo ogula ngongole ndi mlingo wochepa wa ndalama. Ntchito ndalama rubles wobwereka ayenera kulipira 19% pa annum ndi 14% pa annum mu ndalama zakunja. ngongole akuti ndi zaka 5.

Komanso, pali tsopano makasitomala ambiri akutenga ngongole zosowa mwamsanga, chifukwa mawu ake sizili kupeza guarantors ndi kulembetsa kwa katundu monga ina. Kukula mtengo 21% mu rubles ndi 15% mu ndalama. nthawi kukongoza ndi zaka 5.

Musanayambe akatunge ngongoleyo, amapenda zinthu zonse za makonzedwe ake kupewa ndalama m'tsogolo, zilango, nataya.