Ngongole chidwi-free ngati yotsika mtengo ngongole ndalama

Akukongoza anthu ndi imodzi mwa madera mpikisano kwambiri mabungwe banki la Russia. Pankhani kupereka ngongole kugula galimoto kapena galimoto ina, komanso zamagetsi, zipangizo kunyumba ndi mipando, wobwereka aliyense akhoza kwambiri kusokonezedwa mu chiwongola dzanja ndi maonekedwe a mapulogalamu akufuna. Makamaka anthu amphamvu amakhala ndi chidwi ngongole chidwi wopanda. Ndi chiyani icho? Ndipo kodi mbali kuyang'ana pamene kusainira mgwirizano?

Posankha kugula lalikulu mu chipangizo chamagetsi sitolo kapena Chipinda Cowonetsera antchito a banki gulu akhoza kupereka makasitomala ngongole popanda chiwongoladzanja. Kodi mwina kufotokoza ogwira ntchito imodzi yaikulu mabanki Russian. Koma ngakhale kuti chifukwa mpikisano nthawi kuwonjezeka mu msika wa kukongoza kuti mabungwe ambiri chuma kusintha kapangidwe ka polandirira msonkho ndalama zawo. Bonasi ufulu ngongole sapotoza makasitomala kulipira zoonjezera chiwongola dzanja ntchito ndalama. Komabe, pamene kamangidwe ka ambiri ogula kuyiwala za mfundo zofunika kwambiri monga malipiro a ntchito ya kalembera wa banki bungwe ndi makonzedwe a ngongole, komanso kutsegula ndi kukonza nkhani khadi. Ndi kulamulira mitengo kwa misonkhano ancillary, ambiri angongole secures ndalama khola.
Zitsanzo ufulu ngongole nthawi zonse pa mlingo wa 10-11% pa annum, sipangakhalenso ankaona zolimbitsa kwambiri zimachitika masiku ngongole msika. Yakufulumira kuphedwa kwa dongosolo amenewa popanda kukaona nthambi banki ndi kusonkhanitsa phukusi waukulu wa masheya, kupanga ngongole amenewa zabwino zipangizo kunyumba ndi galimoto m'masitolo akuluakulu makasitomala. Mtengo wa ntchito mu ngongole chidwi-free angakhale monga malipiro zochita za ntchito, malipiro a ntchito inshuwalansi komanso ndalama mwezi pulogalamu utumiki. Pamodzi, iwo akhoza kupanga yabwino kuchuluka kulipidwa ndi kasitomala osazindikira.

Free ngongole ku bungwe lalamulo

Childs, bungwe ngongole angapereke utumiki kuti kasitomala, amene ali ndalama yokulirapo ndi akhoza kukhala okhazikika. Lingaliro lotero ngongole kumaphatikizapo zinthu zina zosiyana mawerengedwe chinanena mu ndime zogwirizana ya mgwirizano. Ndipotu, tinganene kuti anamaliza pa nthawi imene kasitomala amalandira pa manja a ndalama ku banki ndipo akutenga kugwiritsa ntchito chinthu zafotokozeredwa pangano. Tiyenera kukumbukira kuti panopa Russian malamulo nthawi ntchito mabungwe ngongole ndipo ndi wokonzeka kuteteza ufulu wa depositors ndi borrowers. Mu malamulo wogwila, ogwira ntchito ku banki ayenera kupereka mauthenga kwambiri mabuku, panthawi yake ndi womveka pa chilichonse kambirimbiri nkhani kasitomala. Inu musanakafike ngongole chidwi-free, nthawi zonse ofunika kufunsa ndendende zomwe malipiro adzafuna kulipira, ndi kuganizira: kodi overpayment okwana pa ngongole anthu afalitse.