Ngubani umntu ingaba ukusombulula zabo imali iingxaki
Kwi-kwangoko amabini-first century, umntu amava a enkulu dependence kwi imali, kwaye oku ngenxa zininzi izizathuAbo ufuna ukuphila ngendlela intuthuzelo, kunye luxury yacht kwaye i-apartment overlooking i-Kremlin, abanye banyanzeleka ukuba bafuna imali kuba imfundo abantwana, kwaye uzole abanye ufuna ukuqala kwezabo ushishino, kodwa azinazo qala-phezulu eyinkunzi.
kuba baninzi iimali-mboleko kwi-Savings Bank - oko kuphela indlela ngaphandle.
Kutheni oyikhethileyo kwiziganeko eziliqela ngayo ziphantsi kwi-mali bokusebenza. ngokukodwa ngenxa yokuba ingaba i-impeccable ishishini reputation, nto leyo accumulating kuba decades. Ngaphezu koko, arsenal ye-iziko kukho ezinye pretty nabafana ngokomthetho akufuneki abolekisa iinkqubo, kwaye wonke umntu ngokwakhe unako khetha ezona ezilungele khetho. Kunjalo, imali-mboleko evela Sberbank - ezimbalwa 'dreary' umgaqo-nkqubo, ngenxa yokuba bambalwa kakhulu abantu bayathanda ukuba ukuqokelela th Okwangoku, Sberbank imali-mboleko ye-enkulu isixa awunakuba kuba ekusetyenzwe ngaphandle interim amanyathelo, ie - sithembiso sivumelwano, injongo apho kubonakala, njengokuba umthetho, securities kwaye real estate. Ndiza ngokuqinisekileyo abaninzi ingaba ngobukho yokuba nayiphi na-mali isicwangciso-ingaba kuwuthabatha imali 'nje nabani na.
'Umzekelo, imali-mboleko ye Sberbank ekhutshwe ukuba abantu abathe Russian ubumi okanye basemazweni ubume non-abahlali, kodwa wafumana kulandelwe ilungelo ukuphila kwaye umsebenzi kweli lizwe lethu. Kwi-mboleko unako ukubala abantu amabini-omnye eminyaka ubudala.
Ngexesha elinye abemi ka phezu amathandathu eminyaka, njengokuba umthetho, baya saliwe-mboleko, kodwa baya kufumana ithuba thatha ithuba akhethekileyo abolekisa lwenkqubo. Bank abasebenzi bamele kanjalo rhoqo scrupulously nzulu career borrower.
Umzekelo, uceba ukuba kukhutshwe imali-mboleko evela Sberbank.
Credit iimeko stipulate ukuba kufuneka bathi basebenzela e enye inkampani kuba ubuncinane kwiinyanga ezintandathu. Khumbula ukuba Kanjalo, yakho iyonke ubude zenkonzo lokugqibela leminyaka emihlanu, kufuneka ingabi ngaphantsi konyaka omnye. Kwaye, kunjalo, ukufumana imali-mboleko evela Sberbank, imiqathango apho kwezinye iimeko ingaba disadvantageous kuba umxhasi, kuyimfuneko ukuba ubani i-impeccable credit imbali. Ukuba ufuna ngesiquphe bafumanisa ukuba kwixesha elidlulileyo wena wenza ngaphandle imali-mboleko ngexesha elinye-mali kwiziko lika rhulumente, kwaye musa ukusoloko ukwenza ngokufaneleka intlawulo yayo repayment, musa kuba surprised xa ngumqeshwa ye-Savings Bank u-ukwaliwa kwesicelo ukuba impendulo kuwe.
ukuze nani na ngaphandle kokulibazisa, ukufumana imali-mboleko kwangaphambili zikhathalele ingqokelela ka amaxwebhu ukuba ziyimfuneko ukuze yayo ugqibo.
ngokukodwa zona zifuna isazisi (ikopi eyintsusa). Kanjalo, uza kuba kufuneka anike ikopi umsebenzi incwadi, apho kufuneka phambi-eziqinisekisiweyo yi-umqeshi. Ukongeza, kufuneka babonelele abasebenzi ye-credit iziko ulwazi isixa-mali ingeniso (-PIT). Kunjalo, kuba ubhaliso ibhanki-mboleko, kufuneka akhuphe efanelekileyo inqanaba umvuzo.
Enyanisweni, kuthatha kwabo kwi-credit iziko
kufuneka iqaphele ukuba ngamnye abolekisa nkqubo inika uluhlu kufuneka amaxwebhu ukufumana ulwazi malunga ne-oku kusenokuba kwi-kwesixa mathiriyali ye-Savings Bank. Okwangoku, ukuze nciphisa zabo zemali ilahleko ingaba ukuphakanyiswa usebenzisa i-credit ubume Institute of isiqinisekiso.
Nangona kunjalo, kukho abathile nuances.
Kuba abo onomdla kuso umbuzo njani thatha imali-mboleko evela Sberbank ngaphandle guarantors, kukho enye kuphela iindaba ezimnandi: kwimeko i-mali na ukudlula amane anesihlanu, akukho 'iziqinisekiso' akunjalo, kuyimfuneko.
Kwimeko apho umntu ilindele ukufumana ukusuka amane anesihlanu ukuba ama, kuya kufuneka enlist i inkxaso a co-umsayini. Ukuba umxhasi kufuneka asixhenxe amabini rubles, lowo kufuneka azise ezimbini sureties, kulungile, xa lowo iimfuno elikhulu isixa imali - ezintathu abantu kufuneka umthetho njengoko guarantors yemali viability ye-borrower. Ngexesha elinye ingeniso yakho inqanaba ayifanele ibe ngaphantsi kwe-kokwabo.
Kwakhona qaphela ukuba i-mali iziko kwelayisenisi credit kwi-enkulu volume, ebeya kufuna unikezelo impahla njengoko collateral.
Phambi igqiba kwi njani ukuboleka imali kwi-bank, kufuneka bonke cinga kakuhle kwaye wenze zonke izibalo. Ukuthathela phezu credit izibophelelo, kufuneka ukhumbule ukuba yakho umvuzo kufuneka ngokwaneleyo ukuba ahlawule ityala ekufuneka repaid kwi ixesha. Kungenjalo, uyakwazi dig iziqu zabo nzulu ityala umngxuma. Ngoko ke, ufuna inokwenza umyalelo ukuba uyaqonda na okanye hayi imali-mboleko evela Sberbank. Ukubala 'enokwenzeka' le unye uyakwazi ukusebenzisa okhethekileyo sokubala ukuba zingasetyenziswa kwi esemthethweni web portal ye-Savings Bank.
Ukusebenzisa esi sixhobo, kuza kufuneka faka idilesi yakho yokuhlala, phawula uqikelelo isixa-mali-mboleko yayo, ixesha lokuhlawula.
Ndiza ngokuqinisekileyo abaninzi wayecinga malunga kangakanani kuya iindleko-mboleko evela Sberbank. Bala ngoku kuba abolekisa na khetho, nokuba ngaba kungenxa a mortgage okanye umthengi-mboleko. Ukuba ufuna iziphumo yobalo, ngoko ke musa balibeke kwi-closet kwaye qala ukuqokelela ulwazi amaxwebhu ekhankanywe incwadana abolekisa lwenkqubo. Namhlanje, enkulu inani abantu, kuquka iminyaka yobudala yomhlala-phantsi, wenze ngaphandle i-consumer-mboleko kunye eliphantsi inqanaba ingeniso. Kuba ukusebenzisa imali kwi-rubles borrower ngu obliged ukwenza nineteen ngamnye ngonyaka kwaye ishumi elinesine ngamnye ngonyaka ngowama langaphandle okwangoku. Ixesha abolekisa yenzelwe iminyaka emihlanu. kanjalo ngoku abaninzi abathengi ingaba ethabatha credit kuba urgent iimfuno, ngenxa yayo imiqathango engekho intended ukufumana guarantors kwaye ubhaliso ipropati njengoko collateral. Isixa-mali inzala ufumana amashumi amabini uwaphinda-omnye kwi-ruble mimiselo kwaye elinesihlanu kuyo langaphandle okwangoku. I-crediting ixesha ngu emihlanu Phambi kwenu ilungelelanise imali-mboleko, ngenyameko nokuchaza yonke imiqathango yalo ulungiselelo ukuba sibalekele fines, izohlwayo kwaye forfeits.
