Apho ukufumana imali-mboleko ngokuchasene ipesenti encinane? mboleko low

Inkoliso yabemi kumazwe Western ixesha elide esetyenziswayo ubomi ngetyala, kwaye eRashiya bahlala abanamatyala ku ukuyazi ngakumbi kunyaka ngamnye. Kuba abantu abaninzi bandisa isixa esifunekayo, ingakumbi enkulu, ingumzamo onzima - kulula ukuboleka. Kulo mba, umbuzo ukufumana ngayo ngetyala kwabathengi phantsi inzala encinane abaninzi abemi abazalwana bethu. Ekuqaleni, akukho nzima kakhulu - ukufunda izindululo zeebhanki wakhetha inani elincinci kwaye phambili amaphepha. Enyanisweni, nemigibe amaninzi ifihlwe kweli phephancwadi. Ngoko ke Masiqonde ukuba athathe apho ngetyala ukuba ipesenti encinane, yaye hayi nokukhubeka izithintelo ezingabonwayo.

Ngubani ofuna credit cheap

Okokuqala kukufumanisa ukuba yintoni injongo udinga imali. Ngokomzekelo, xa ufuna ukuthatha imali enkulu ngokuchasene ipesenti encinane nokufunyanwa kwempahla, kungcono balujongisise ngenyameko izindululo malunga mboleko mortgage - uze bet ezincinane ngokwaneleyo, kwaye abe uhlawule ixesha elibalulekileyo ixesha.

Ukuba ugqiba ekubeni athenge imoto, kungcono ukukhetha ibhanki, ukusebenza inkqubo gosavtokreditovaniya ngokukhetha; kulo mzekelo, ezinye umdla uhlawule kurhulumente. Kodwa ukuba ugqiba ukuba bakhangele, apho ukufumana imali-mboleko kwi ipesenti encinane ezinye iinjongo - ukulungiswa, ukuphumla, utshintsho ngokupheleleyo wegumbi okanye ukuthenga izixhobo zombane zasekhaya eninzi, ngoko eli nqaku ubhekiswa kuni. Kuqala kwinto zonke, ukuhlola izicelo iibhanki 'kwaye akhethe ocinga ukuba zifanelekile. Ukuba imali ufuna ayikho kungxamisekile - unako ulinde holiday, umzekelo, ngosuku olwandulela woNyaka oMtsha, ninzi iibhanki ezikunika inzala ephantsi kunye ezahlukeneyo iibhonasi.

Indlela ukwehlisa izinga lenzala

Kwimeko apho awufuni ukuba ukulinda, ungazama ukunciphisa izinga ezinikezwa yibhanki. Ngokomzekelo, ngaba mboleko esezantsi-inzala ingafumaneka kwi kwiziko mali apho wena ikhadi yemivuzo yangoku. iibhanki ezaziwayo badla yenza umnyinyiva ukuba abathengi rhoqo.

Enye indlela yokunciphisa loo egqithisileyo kukuba uyilo-mboleko phantsi isibambiso elungileyo okanye ukubandakanyeka omnye okanye guarantors eziliqela. Zama ukuba kunokwenzeka ukuba akhuphe mboleko ekujoliswe - weerhafu kubo basoloko ezisezantsi.

Ngaloo ndlela elungileyo zokunciphisa egqithisileyo lithuba ukubuyisela imali ngokukhawuleza kangangoko kunokwenzeka, ngoko ngaphambi kokuba angene kwisivumelwano kunye ebhankini, cela uyakwazi ukubuyisela ukuba mboleko ngaphambi ishedyuli kunye phantsi le mibandela.

Ukuba ufuna imali encinane nje ixesha elifutshane, ufumane ikhadi lamatyala - phantse zonke kubo ixesha nobabalo ngexesha apho le nzala iye singabalelwa kwaphela. Ngamanye amaxesha efika kweenyanga ezimbini, okona kubaluleke kakhulu, ukuba abuyele imali ngexesha.

I sicelo ilungele mboleko cheap

Fumana mboleko imali ukuba ipesenti encinane, ngokuxhomekeke kwimiqathango ethile kulula ngokwaneleyo. Nazi iimfuno ezimbalwa eya kukhokelela ekubeni iziphumo ezidibanisayo:

• Yenza lingaboleka imali kuba lifuna ixesha ubuncinane eli xesha;
• kuqokelela iphakheji olugqityiweyo kwamaxwebhu;
• iqala inike ukukhomba mboleko;
• ukunika ulwazi ebhankini, engqina umgangatho amandla akho okuhlawulela;
• plus ndiya kusebenza umsebenzi ezisemthethweni;
• ukunika bank ulwelo akananto;
• ukubukela yembali yakho yamatyala - ngobunono ukwenza iintlawulo ezifunekayo;
• Zama ukusebenza ibhanki efanayo kangangoko kunokwenzeka - abe umthengi rhoqo;
• Ukuba uthatha imali kuphuhliso ityala layo, qiniseka ukuba bangenise isicwangciso soshishino elungileyo ebhankini uze guarantors eziliqela.

Ndingayifumana phi sisibonelelo efanelekileyo

Namhlanje, uninzi lwabantu abafunda umba Otomi, apho ukufumana imali-mboleko kwi ipesenti encinane, sibheka kuzo iinkonzo Internet. Eneneni, izindululo kwi web isixa emangalisayo, kodwa le ndlela zinezibonelelo kanye nobubi. Yangaphambili kukuba phantse yonke isayithi inayo calculator yayo mboleko, ngazo uyakwazi ukubala inani le overpayment, ngaphandle kokushiya ekhaya. Ukongeza, unako ukufunda nje kuphela isivumelwano semali-mboleko, kodwa uprinte phandle nothethathethwano igqwetha. Ngaloo ndlela, kunokwenzeka ukuba ukufunda izindululo inani elikhulu zamaziko zemali, ngaphandle kokuchitha ixesha kuhambo elide kunye nitshintshane.

Kwelinye icala, nge-Internet, unako ukucela ibhanki malunga isaphulelo aze aphulukane nethuba lokuthetha umntu ngqo. Ngamanye amaxesha le pesenti ezinikezelwa yi-Bank, ixhomekeke kumava umphathi lobuqu. Hi ndlela leyi, kukho iimeko apho umqeshwa ibhanki inganikeza ukhetho-mboleko apho ulwazi kwi website ibhanki kaThixo ukanti (umzekelo, ukuthetha iphulo lokwazisa oluzayo).

Dodge iibhanki

Ngoku makhe sithethe ngoko kusoloko kuluncedo mboleko ephantsi-inzala. Isimanga, kodwa izinga lenzala encinane kubonisiwe kule ntengiso, xa kusenziwa, kaninzi ujika ube nezicelo enhle.

Yintoni ingqalelo sinamazinga wenzala? Nantsi imizekelo embalwa:

• 1% ngosuku;
• 11% ngenyanga nganye;
• isondlo pa + 0.8% akhawunti-10%;
• 16% (Akukho ntlawulo).

Xa sijonga amanani, usenokuba ucinga ukuba izinga eliphantsi - 1%, kwaye liphezulu - 16%. Ngoko ke nokuba kunjalo enyanisweni, makhe ukubala:

Ngenye ekhulwini ngalinye usuku kunyaka uya kuba 365% ngamnye ngonyaka. A lot, akunjalo? Kwaye ukuba ufuna mboleko iminyaka emi-2 okanye ezi-3? Babalwa?

A ngobuwena ngakumbi: 11% 12 iinyanga x = 132% ngonyaka. kakhulu.

Emva koko, siya kuba% 10 kuphela ngonyaka ngamnye - kubonakala kancinane, kodwa ukuba sithe saphinda umrhumo inkonzo ingxelo kulo nyaka ka-0.8% x kwiinyanga ezili-12 = 9.6%, isiphumo sifumana kancinane ngaphantsi kwe-20%. Bonke yaqala kakuhle ...

Ngoku thatha omkhulu ngokulinganisela yokuqala krwaqu-16%. Ukuba phantsi isivumelwano ngenene akukho ntlawulo ezifihlakeleyo inkonzo, iindidi ikhomishini njalo njalo. E., Lo uhlobo xa kusenziwa wayeza kuba ibiza kancinane.

Ukuze kukodwa inepesenti esezantsi nto ayithethayo. Ukuze ufumane ukunikeza nenzuzo, kufuneka ukwazi kwaye ngononophelo ukubala zonke iindleko ziya kuwa emagxeni akho.

endaweni yokuba UYobi

Xa ndiqukumbela, ndithanda ukuba bathi ukufumana ibhanki, apho ukufumana imali-mboleko kwi ipesenti encinane akuyi kuba nzima, ungaya kuphela lo mba nzulu. Khumbula, akukho iziko mali othile ingasebenzi kwi ilahleko, kunye ngetyala ukuba umyinge wenzala amancinci akuthethi "simahla." Ngoko ke ubunzima i "kwizazi" kunye "bawo", funda kangangoko iziphakamiso kunokwenzeka. Kwaye uqinisekile ukufumana best interest rate, apho kuya kubakho "phantsi" nje kuwe.