Yomboleki yeentengo zemboleko: iintlobo kunye neempawu

lokubolekisa Umthengi Okwangoku inkqubo iqhelekileyo uninzi amaziko zebhanki i-Russian Federation. Oku imelwe iseti kwiiyantlukwano kwaye kuphunyezwe ukwenza ezahlukeneyo iimeko. Kuba abo baza ukuba akhuphe yomboleki yeentengo zemboleko, iintlobo zeenkonzo zibaluleke kakhulu. Ngapha koko, xa izixa ezahlukeneyo kunye neenjongo kukho ezahlukeneyo kwenzala. ngokoMthetho ngetyala, kakhulu, iyahluka. Namhlanje, le hlobo kweprogram ingabhekiswa amalungiselelo kuluhlu olubanzi kwesantya senzala: ukusuka kwi-12 ukuya kuma-70% ngonyaka.

credit Consumer: Iindidi

Zonke ezi nkqubo zingahlulwa ngokweendidi ezimbini ezibanzi:

1. Ithagethi - ke mboleko, nto leyo zikhutshwa iibhanki ukuze kuphunyezwe abathengi injongo ethile echaziweyo kwaye kuchaziwe kwisivumelwano. Oku kube kuncendile enkulu, ukufumana imfundo, ikhefu okucwangcisiweyo njalo njalo. Kulo mzekelo, iziko zemali unalo igunya ulawule khona, mijelo zikhutshwa yi-mali. Kwezinye iimeko, umntu akakwazi ukubona imali njengoko ebhankini ngoko nangoko uyithumele kwi nkampani ngokunika i-akhawunti yenkonzo: ikliniki, ikholeji, ihotele, njl Ukuba kwenzeka ukuba umthengi kujoliswe mboleko, izinga lenzala phezu kuya kuba phantsi kunye ngokoMthetho intlawulo zithambe kakhulu.
2. Unearmarked - mboleko ngaphandle kwindawo ethile. Ezi mboleko ukuphola zingafumaneka phambi kwamaxwebhu-2 kuphela. Inzala kule hlobo mboleko basoloko ezinkulu yaye ukufikelela 70%. Igama ubuninzi ubhaliso mboleko express idla kweenyanga ezi-6, nangona kunokwenzeka ukuba umthetho kwiminyaka enesiqingatha. Kwimeko kakubi imali-mboleko, ibhanki ayikho inxaxheba kubomi ngakumbi emntwini, kodwa ufuna ukungeniswa kwangethuba intlawulo okubhalwe kule program ngetyala.

Le phakeji yokufunda kwamaxwebhu

Kufuneka uqokelele i iseti ethile yamaphepha ezisemthethweni sobhaliso iinkonzo ezifana lokuthenga. Iintlobo-mboleko kunye nokwahluka kwabo kwenza kube lula ukukhetha inkqubo, ukuthobela ngokupheleleyo amathuba kunye ezilindelekileyo mboleki. Kuba kube sekuphelisweni mvumelwano kuya kuba yimfuneko ukuba anikezela ngoku kulandelayo:

• yokundwendwela Russian nge-mvume lokuhlala kweli zivumeleke kufutshane omnye amasebe ebhankini;
• uxwebhu yesibini, nto leyo iza kunceda ukuchonga buso umboleki;
• umtyikityo waba ngummeli wowona ulungileyo;
• Breakage into.

Fumana mboleko banokuba phambi kuphela iingongoma ezimbini zokuqala, kodwa amaxwebhu ngakumbi iziqinisekiso, kokukhona isixa-mali lwexesha elide kunye neemeko othambileyo. Xa kukhutshwe imvume indawo mortgage kunye siqinisekiso, kulula kakhulu ukufumana imali-mboleko yabathengi. Inzala kule meko bekuya kuba iphantsi, ukusuka kwi-12 ukuya kwi-15%. Ukuba ngummeli wowona yi estate real: kwendlu, indlu okanye umhlaba - isixa ukuba boleka kuphela 10 we mln engange..

Ukuba wathabatha eninzi imali, ungasoloko ukunceda i-mboleko umboleki-mali yokulungisa okanye ukuthenga imoto. Iintlobo zeenkonzo zikuvumela ukuba usebenzise ngayo ukusombulula uluhlu enkulu ngeemeko ezahlukeneyo ebomini, ithenge izinto zenza ukuba ukuphumla ilizwe.