Mission kunokwenzeka: ukuba indlela mboleko kunye nembali embi ngetyala?

Xa sengozini ngokwabo, kunzima ukuba basebenzisane phambili kunye neebhanki. Xa kukho imfuneko yokuba athathe mboleko kunye nembali kwezamatyala, imigudu kuya kufuneka senze okungakumbi ebusweni amava zokuboleka entle.

Iminyaka eliqela, zonke iintengiselwano namaziko zemali mazibalwe uvimba wesizwe single --credit bureau, ngoko ukuba nguwe onetyala kunye nokuthintela kokuvela kokulibazisa kwi mboleko yenye yeebhanki kweli lizwe, kulula ukuba bakwazi ukufunda ezinye yonke imibutho. Noko ke, ukuze afumane imali kunye yimbali elibi kwicala lamatyala nangoku kunokwenzeka.

Kukho iindlela ezintathu eziphambili ukuhambahamba imeko yengxaki:

• ukufumana nombolekisi ongakhathaliyo malunga ezidlulileyo yakho, yaye bacele ifayile yekhredithi;
• ukufumana nombolekisi enjalo lowo ukulungele ukuba bavale amehlo abo ngokwezono zenu;
• kunokumtshintsha enokubakho umbolekisi ukuba eli xesha akuyi kunqunyukelwa ngeke ona imiqathango yesivumelwano semali-mboleko.

umbolekisi lingenandaba

Indlela elula yokufumana ukhetho xa yembali yakho yamatyala awungeni ndawo. Mboleko kunye nembali embi ngetyala akhuphe amaziko microfinance ezininzi, kuba awunamdla ngamava akho ukuboleka lwangaphambili kwezinye amaziko. Ezi Ababolekisi ziquka "imali Ekhaya" inkampani okanye "MigKredit", "Nano-Finance" okanye "Coin".

Kakade ke, ixabiso ngokuboleka ezinjalo akakukhathalele bezimali zakho zangaphambili ziya kuba ngaphezulu kakhulu kunokuba xa kufakwa ebhankini, kodwa olo eziya kuluthwala ngokwazo, zono ucele imali eyongezelelweyo. Izinga enjalo micro-mboleko olukhoyo ukufikelela 1-2% ngosuku.

ukuqonda umbolekisi

Kukho kwakhona sinyanisekile neebhanki, ngokubonelela mboleko kunye nembali embi ngetyala, apho elibhekisela iibhanki "Tinkoff", "Kucelwe", "ukuFumaneka kweFidi", "Ekhaya -mboleko", "Renaissance Credit" , "Standard Russian". Bonke bayavuma ukuba ubukho ngaphambili neengxaki ubunjubaqa kunye nezincinane kunye nezibophelelo zokuhlawula. Kodwa ke, ukuba uye wenza ulwaphulo-mthetho kakhulu kwicandelo zemali, kwaye ucango ziza kuvalwa kuwe. kwenzala kwimali-mboleko evela kwezi iibhanki lingaba ngaphezu malunga ne30-50% ngamnye ngonyaka, kodwa ke eyamkelekileyo ngakumbi.

umbolekisi onengqondo

A mboleko kunye nembali embi lwamatyala kubanjiswa kubonelelo yembuyiselo iqinisekisa yebhanki olongezelelweyo. Xa usenza isicelo semali-mboleko kulo naliphi na ibhanki, u rhangisa iphakheji yakhe voluminous yamaxwebhu
kunye neziqinisekiso engqina ukukwazi kwakho yangoku ukuhlawula, kwaye ikwanika software - mortgage, isiqinisekiso, inshorensi okanye ezinye iindlela zokukhusela ibhanki ukulahlekelwa yimali.

Kungangcono ukuba zokumisa ubhaliso bank kwezithobekileyo yokwenene besibini, ngoko kuya kuba lula ukuba ukuboleka imali elikhulu ixesha elide yaye phantsi ipesenti engu-15-20% ngonyaka ngamnye, kwaye egqithisileyo ziya kuba ncinci ukuba mboleko. mboleko ngaphantsi nge isiqinisekiso, kodwa umtsalane isizalwane inyityilikiswayo okanye umhlobo liya kuvumela ukusetyenziswa kwemali waboleka phantsi 20-25% ngamnye ngonyaka, nokuba ukuba ngaba sithembele ebhankini. Into esemqoka - ke akwenzeki waba ngummeli wowona ulungileyo.

Ngoko ke, ukukwazi ukuthatha mboleko kunye nembali embi ngetyala sikhona, yaye kuphela kuxhomekeke kuwe kuya kuba yingenelo kuwe ngayo. Khetha ukhetho kakhulu lula kwaye singenisa umlinganiselo onguwo ematyaleni.