Ukuza kuthi ga ngoku, eyona nto kanye njengephupha, imoto entsha phantse engafumaneki abemi abaqhelekileyo. Yintoni onokuyenza ukuba wena usafuna imoto, kodwa imali akwanelanga? Le meko iyatyhilwa ngoncedo mboleko yokuthenga imoto ukuba ungafumana phantse nayiphi na ibhanki.
Ukukhetha Bank
Ukufumana imali-mboleko imoto ilula kakhulu. Ukuqala ukukhetha ngenyameko ibhanki. Kufuneka nje kuphela angaphendla i-Internet zonke iintlobo iziza beebhanki, kodwa cela malunga abahlobo okanye abantu obaziyo. Le ndoda, lowo ngaphambili nazo kunye nobhaliso kunye nentlawulo ye-mboleko, inkqubo- ukucebisa ngokuphathelele ikamva umboleki onyanisekileyo ngakumbi ebhankini. Xa umntu sele beyazi kakhulu le mboleko kunye namazinga enzala, iinketho yembuyekezo kunye njalo njalo., Khetha "buza abahlobo bakho" olunokutyeshelwa. Kodwa uthathe umzekelo inkqubo "Car Loan". Alfa-Bank inikela eli imveliso zokubhankisha - enye yeebhanki ezinkulu eRashiya kwaye kwimarike ico.
"Mboleko Car" (Alfa Bank). Yintoni ekufuneka ukuba ndiqale ukuba
Emva ibhanki ekhethiweyo, kufuneka ilungise umqulu lwamaxwebhu. Ngokuqhelekileyo, impahla esemgangathweni izibambiso, kuquka yokundwendwela yomboleki nesiqingatha yakhe ezisemthethweni, iphepha-mvume lokuqhuba kunye nekopi kula maxwebhu. Kufuneka kwakhona kukhunjulwa ukuba Alpha Bank iya kufuna isiqinisekiso sengeniso esemthethweni, ie a isiqinisekiso ngokusemthethweni (oko ke igama yengeniso xa kusingethwe isihloko mboleko iibhanki). Ukuze asebenze emsebenzini lokugqibela phambi kokuba isicelo semali-mboleko kufuneka iinyanga ezi-3, kunye namava omsebenzi ewonke kufuneka ukusuka kunyaka omnye nangaphezulu. Ngamanye amaxesha kusenokuba yimfuneko kunye irekhodi umsebenzi okunamandla mboleki. Kananjalo kufuneka ukuba ugcwalise iphetshana zebhanki. Izakufunyanwa kwisiza esemthethweni, kwaye kukho inkonzo ezifana "Car Loan" -kalkulyator. Alfa-Bank, ngoncedo yale nkonzo ibonelela ngoko nangoko ukubala umyinge wenzala kunye nemali yentlawulo. akufunwa A co-yaho okanye wammela kwimeko "auto-mboleko". Ngapha koko, imoto isebenza besibini.
inkqubo "Car Loan" (Alfa-Bank) ukuba ixesha
Koda kube nini mboleko imoto? Alpha Bank inikeza athenge imoto ze ahlawule yonke imali kwiminyaka 1-5. omnye unyaka kungandisa xa uthenga imoto entsha ngexesha kwemali mboleko. Kodwa khumbula ukuba imali ebolekiweyo ukusuka ebhankini yokuthenga imoto, kwiminyaka 5 kwandisa kwi-75% ukusuka phezulu.
Zeziphi iimeko inkqubo (Alfa Bank) "Car Loan"?
Autocredit mali isezantsi kangangoko ezimalunga nama-50 amawaka. Engange. Le obubona uqinisekiswa ngokomba ngamnye. azikho amazinga abolekisa eliphezulu kakhulu kwaye ilingana ngokubanzi kwi 9-15% ngonyaka dollar ngetyala kwaye 16-20% ngonyaka engange. Ukuze uqinisekise ukuba uyakwazi ukuqhuba kwi bar yokukhangela lweebhrawuza wakho "Alpha-bank" Car Loan " inzala". deposit lokuqala liya kuba ukususela-10% ukuya kuma-50%. Ukuba nokwenzeka intlawulo yokuqala-mboleko, kodwa imali kufuneka bungabi ngaphantsi kwe-28 amawaka. Engange. Kwaye nceda uqaphele ukuba Alfa-Bank uthatha yikomishoni 0,99% zenzala ngamnye ophumeleleyo isixa ngenyanga ubuncinane. Iintlawulo ezifike iya kuhlawuliswa nesohlwayo-1% ngamnye ngosuku ukususela mali setyala. bokuqonda ezinjalo kakhulu ezimbalwa, ngoko, ukuba niqhubela ufuna ukuthatha imoto ngetyala na Alfa-Bank, kufuneka uye kubo ofisi uze ufumanise zonke iinkcukacha.