Consumer mboleko kunye eliphantsi wenzala. mboleko Consumer Savings Bank kunye namazinga enzala asezantsi

Kuninzi lwethu, le yomboleki yeentengo zemboleko - oku ithuba ngokwenene ukusombulula ngokukhawuleza iingxaki zabo okanye ukwenza ubomi babo ngakumbi obutofotofo negcinwe kakuhle. Kodwa ke ukungabikho isixa esifunekayo - kuba akukho sizathu ukuthatha imali kwi ipesenti ephezulu kwaye ngamanye amaxesha enzima kakhulu. Nakuba iintlobo ngeentlobo linikeza ukusuka kwiibhanki ezahlukeneyo ukufumana omnye, apho ungakwazi ukuthatha mboleko umboleki eliphantsi izinga lenzala, akusoloko ukuzila. Kukho isisombululo! Okunye ngqo, kukho izinto ezifihlakeleyo embalwa, ukuze ukhethe indlela ibhanki kwaye ezinye zazo bubulumko ukuba babuyele.

Yintoni idityanisiwe izinga lenzala

Xa umthengi iya ebhankeni injongo ethile - ukufumana mboleko imali umboleki eliphantsi umyinge wenzala, iyahmbelana izakhono zabo ngokwasemzimbeni iqwalasela iziphakamiso. Ukuze othile umthengi ngokwakhe, igama lakhe, yaye ngaphezulu zingachaphazela umyinge wenzala, kodwa ikakhulu lwenziwe ezahlukeneyo kwezinye izinto:

• emali;
• neendleko zokulungisa imali eluntwini;
• imeko yezoqoqosho kweli lizwe;
• iindleko nokugcinwa ofisi ebhankini kunye nabasebenzi bayo.

Zonke ezi zinto awananto mfani-nye umnikimali, ngokulandelelana, ukuba likwazi ukuwathundezela nangayiphi na indlela umthengi hayi. Kodwa kukho inani iimeko eziya kufumana imali-mboleko kumthengi iimeko ezithandwa kakhulu ngokwabo.

Indlela ukunciphisa izinga lenzala kwi mboleko

Fumana umsebenzisi -mboleko kunye ezantsi izinga lenzala xa umxhasi ebhankini akakwazi kunye nembali ogqibeleleyo ngetyala. Oko kukuthi, ngexesha lobhaliso ukuba amboleke imali evela kumxhasi kufuneka zivalwe mboleko ngaphandle kokulibazisa. Ukunqongophala imbali lwamatyala kuchaphazela izinga cut.

Enye yezona ndlela isebenzayo ukunciphisa izinga kwi-mboleko - i inxaxheba kule projekthi lomvuzo. Akunamsebenzi udinga ulwazi kwingeniso kunye guarantors. Okt mboleko zabathengi Sberbank kunazo izinga lenzala ezikhoyo kubathengi abafumana umvuzo wabo kwikhadi yeplastiki lo mbutho kunye namaxwebhu ezongeziweyo akubonakalisi xa wenze mboleko.

Le ndlela yokugqibela - ngayo ikhuphe mboleko ezikhuselekileyo, oko kukuthi ukushiya idibhozithi okanye ukutsala iziqinisekiso. Kulo mzekelo, ibhanki lunciphisa ubungozi non-lokuhlawula imali kakhulu yaye kunciphisa umyinge kwi-mboleko. Kwimeko apho amatyala emntwini, yena eqokelela amatyala ukusuka waba ngummeli wowona ulungileyo okanye uthengisa impahla eshiywe besibini.

Ntoni ukuze ufune

Kulindelekile kuphela ukuba abathengi namhlanje ufuna irhafu asezantsi inzala kwimali ebiyiboleka kubathengi kwimigangatho eyahlukeneyo nge-Intanethi kwaye uthelekise zokuthenga. Kodwa umthetho, iibhanka iintengiso kutsala kuphela ingqalelo into engaba umxhasi, isithembisa imali eninzi, "phantse nto."

Phantsi ad ngamnye uhlobo ezincinane kuchaziwe, yintoni imiqathango kunye yintoni iqela labantu baya kuba nako ukufumana imali-mboleko ethambileyo. Oku kubonisa ukuba ngamnye umthengi uyakwazi ukufumana elisezantsi -mboleko inzala, Noko ke, yena angenza isicelo kwaye enokuvunywa, kodwa Isixa sembuyekezo ukuba eyahlukileyo eziphathekayo kwezo equlethwe zentengiso.

Iqhinga yokugqibela yeebhanki - kuyinto isicelo online ngaphandle utyelelo kwi-ofisi. Oko kukuthi, Wawuzalisa umxhasi ngaphandle ikhweshine kwi website lombutho, yaye kuye yayo pre-ukuvuma. Kodwa emva koko, ngokucacileyo kufuneka eze namaxwebhu e-ofisini, apho iimeko lekhredithi ngandlel 'ithile.

Indlela ukukhetha ibhanki

Ngoko ke, ngoku kufuneka ukuba isigqibo ukukhetha indlela mboleko umboleki ephantsi wenzala. Kwimizi ngemizi kukho namasebe amaninzi beebhanki ezahlukeneyo, yaye ngamnye kubo oxhonywe a izibhengezo eliqaqambileyo nomtsalane. Kodwa musa Kufuneka uthathe yokundwendwela wabasabisela igumbi lokuqala. Eyona afanelekileyo ukusebenzisa i-intanethi yaye uthelekise zonke izithembiso online.

Uphendlo kuzakuthatha ixesha elithile, ngokuba akuyi kubona kuphela amacebiso amaninzi, kodwa ukufunda amagama ngononophelo. Kwezinye iibhanki eziyimfuneko umxhasi i-inshorensi, nto leyo ayikho ngaphantsi kwepesenti enye imali-mboleko. Ngamanye iibhanki iimeko ezithandwa kuphela kubaboleki abaye ingqwalasela ngokuphindaphindiweyo.

Ngokubanzi, kungcono ukujongana kwibhanki nganye bangegqithi, ukubala azo kwaye zilisebenzise eli thuba zilinikiweyo wokubala ngetyala. Kudla ngokwenzeka kukuba mboleko kunye ophezulu wenzala njengoko yoko kuluncedo ngakumbi mboleki ngokwakhe.

Ngoku kuyimfuneko ukuba siqwalasele nokurhafiswa egcina imali kakhulu ezithandwayo kunye neemeko ngetyala kubo, thelekisa imiqathango imisele ukuba yeyiphi kuzo nenzuzo ukusebenza yaye kutheni.

Sberbank of Russia

Ngokuqinisekileyo, namhlanje yinkokeli phezu kwimarike Russian, phakathi kwabathengi kokuba kubekwe liqabane ethembekileyo ngokunyaniseka ukuze mboleki. Ngoko ke, yintoni na mboleko Sberbank umthengi ezantsi izinga lenzala kunokwenzeka ukuba akhuphe namhlanje?

• Credit "Akukho ukhuseleko": izinga luqala ngo-17.5% ngonyaka ngamnye. Imali mboleko liphezulu engange-1.5 yezigidi kwithuba ukuya kwiminyaka-5.
• "Credit ukuya wammela" ukunciphisa amazinga enzala ekhulwini elinye kuthelekiswa isindululo yangaphambili kwandisa isixa phezulu mboleko ukuya engange-3 million.
• Mboleko okwenziwa ilifa lokwenene eliphethwe, unika ilungelo lokuba asebenzise imali mboleko ayikho ngaphezu kwe-60% ye-sentengo lwepropati ngeqondo ka-15.5% ukuya umdla iminyaka engama-20.
• Abathathi-nxaxheba kwinkqubo yemali-mali bangakhupha phezulu mboleko kwi-500,000 engange ngaphandle ibheyile 18.5% okanye 19.5% ngonyaka ngamnye. Xa isixa semali iza kabini.

Ukongeza, i-Savings Bank ibamba iziganeko rhoqo, ekuphuhliseni iimveliso-mboleko entsha, ukunciphisa izinga lenzala kwimali-mboleko ukuya kumaqela athile abantu. Iinkcukacha ezi zindululo ingabonwa kwi website ye-Bank.

Gazprombank

Eli ziko zemali kwakhona ibonelela abantu kukulungele credit yabathengi. kwenzala Low, iibhanki ezinika kude kumntu ngamnye iqala nge-16.5% kunye 21,79% kunyaka ekupheleni. Ku ibalwe ngabanye, ngokweemfuno, esi siqinisekiso akukho ngpahmbi kokuba umboleki.

Imali-mboleko ye-30,000 engange. Kuyenzeka ukuba amalungiselelo kunye engange zigidi ezi-2, kodwa kuphela ne-educational software, oko kukuthi, kunye waba ngummeli wowona ulungileyo. Igama ubuninzi kuhlawulwe ityala leminyaka emi-5. Ixesha lokuba ingqalelo kwesicelo ukuya kwiintsuku ezi-5 up.

VTB 24

Le ibhanki inika ngetyala kwabathengi kunye bathobe inzala - ukususela 20.5 ukuya 23.5%. Imali-mboleko ukuya engange million 1 ithuba eliyiminyaka emi-5. Izinga kuxhomekeke nje kuphela igama le zabathengi, kodwa umnqweno walo lokukhupha iintlobo ezimbini-inshorensi. Hi ndlela leyi, apha kubaboleki ezinokwenzeka wabeka phambili imigangatho ngokwaneleyo ephakamileyo, yaye ukufumana imali-mboleko, kufuneka isiqinisekiso somvuzo anengeniso-.

Bank of eMoscow

It inikeza mboleko umboleki eliphantsi izinga lenzala - ukusuka 19,9%, inani eliphezulu - 299 amawaka engange. Kodwa iimeko nelungelo enjalo kuphela kubathengi yemivuzo, abanye umlinganiselo liphuma kwi 26.5% ngonyaka ngamnye. Ukwenza mboleko, qiniseka ukuba udinga kwingxelo yengeniso.

isiphelo

mboleko Consumer kunye amazinga enzala asezantsi ngoku ezifundisa amakhulu beebhanki, yaye zonke kwemiqathango ethile zivuma. Kodwa musa ukubala kwi yokuba amaziko ezemali iza kusebenza kwi ilahleko. Kuyimfuneko ukuba ukuhlola ngokwaneleyo imeko kwaye mhlawumbi ukuba isicelo kwabo iibhanki, esele kwafuneka amava olunempumelelo nentsebenziswano.