Mboleko "Savings Bank" kumntu ngamnye. Zingaphi iintlobo kwaye yintoni umahluko zabo?

Amaxesha amaninzi indlela kuphela ukusombulula ukungaqondani mboleko-mali "Savings" kumntu ngamnye. Kuhenda ukuba otyalwayo azikho nje ukuhanjiswa jikelele ye-network yesebe kunye amanyathelo nokufumaneka ofisi, kodwa ndiboleka amagama. Yintoni umdla iikhredithi kubathengi kwi "Savings Bank" yaye yintoni na ke?

I-mboleko imali elungileyo ukusuka 'Savings Bank "?

Unearmarked credits "Sberbank" abantu ukunikela pretty nomtsalane. Ingakumbi xa ucinga ukuba le ngxilimbela zemali akazami ukufihla nantoni uthabathe phezu lweerhafu utshilo. Ezikhonkwane sakugcina kwaye akukho ntlawulo yongezelelweyo.

On top of ukuba abaxhamli beenkonzo zabucala bayafikelela izityhwentywe zemali kwi iinjongo buqu kunye kwemali komsebenzi ixesha elide. Kukho imigangatho eyahlukeneyo lokubuya liqinisekisa: "Savings Bank" mboleko Russian kwimiba abantu kwaye ayinikeli, kunye nemfuneko ukutsala guarantors okanye beka impahla ulwelo besibini. Ukusuka kwezi nqobo, kwaye imisela iindleko mali waboleka apha.

Ukuze sizuze evela kwintengiselwano mali echaphazela iimfuno zabo kwaye iqondo nolwazi yebhanki yomboleki. Eyona onesisa "Savings Bank" abo bafumana oko yemivuzo kunye ipension, abasebenza kumaziko accredited kunye neenkampani ezinkulu, iye negalelo amanqaku ezisetyenzisiweyo ngaphambili. Izaphulelo evela ubungakanani izinga isiseko babe phezulu ngokwepesenti 1-2 amanqaku banikela "ukuba" "Savings". Mboleko ezinikwa abantu ababhalelwayo nyathelo akusoloko kunjalo, zinokubiza nkqu zitshiphu ngenxa yokwehla yamaxesha kumazinga.

Obonelela mboleko imali "Sberbank ' abantu?

iinkqubo Credit ngaseludinini ephambili lizwe zingahlulwa zibe ngamaqela amathathu amakhulu ngokohlobo le software eziceliweyo

1. Mboleko "Sberbank" abantu ngaphandle ukhuseleko. Awuthethi nto kufuneka inshorensi, yaye kufuneka kuphela ukubhala indawo wabo zemali kunye nengqesho. Isixa - up to kwesiqingatha sesigidi engange. Ixesha lokuba intlawulo mali oceliweyo ukutsalwa iminyaka emi-5. Le rate iya kwahluka kwi kuluhlu 17-21,5% ngonyaka.
2. Loan nge isiqinisekiso. Njengoko a co-yaho inokuba yiyo nayiphi isalamane zesinyibilikisi okanye umhlobo. Ukuba umdlali yesibini kwandisa inani eliphezulu-mboleko ukuya engange-3 million, kwaye igama elithi iya kuhlala injalo -. Abahlanu. Inzala unako ukufikelela 16,5-20,5% ngonyaka ngamnye.
3. Mboleko unesibambiso kwipropati apho isibambiso kunokuba nemihlaba kakhulu, kunokwenzeka ukuba afumane ukuya kwi-90% yexabiso ngummeli wowona (kodwa hayi ngaphezulu kwe 10-15 mln. Engange) isithuba seminyaka ukuya ku esixhenxe ngereyithi eyi 13.5-14.5% ngonyaka ngamnye.

Noko ke, isenzo de yoo-Februwari, ungakwazi ukufumana mboleko ngaphandle akananto okanye wammela ngezinga elifanayo njengesiqinisekiso - nge-14.5% ngonyaka. Ukuqwalaselwa kwezicelo inxaxheba kwesi senzo yenziwa qho ngamnye, ukuze nje musa ukufaka isicelo, musa ukuba amathuba ukuboleka elihle.

Mboleko "Sberbank" abantu kwahluka ezahlukeneyo iimeko. Kwaye lo inzuzo zazo eziphambili: wonke umntu unako ukufumana imali ebolekiweyo kunye efanelekileyo parameters. Nawuphi obolekayo olunokubakho uyakwazi ukuphumeza izicwangciso zalo ngalo ebhankini, ngaphandle kokuba, kakade, uya zihambelane neemfuno zalo. Kodwa isiphoso-Ukufunyanwa uyilandela "Savings Bank" - ukuba elinye ibali.