Indlela futhi bazishaye isifuba ngokuthi womama dolobha kule Savings Bank?

Iziphakamiso sokukhokhwa nhlobo noma ngokwengxenye lomthengi credit ngezithukuthuku inhlokodolobha umzali atholakala cishe kuzo zonke izindawo. Nakuba namuhla ikhomishana isenzo akukho emthethweni futhi cishe akunakwenzeka. Yini ngempela lalinikelwa ngaphansi enkokhelweni loan?

Indlela futhi bazishaye isifuba ngokuthi inhloko-dolobha womama?

Njengabangaqondakali njengoba kungenzeka, ngaphansi sokukhokhwa isikweletu kwakusho nje ukuthi. Lonke iphuzu itholakala nomqondo umthengi credit. Into wukuthi loans atholakalayo abantu amabhange, kungenziwa kubhekwe njengento umthengi, njengoba zithathwa ngenhloso ukuze athenge impahla noma ukukhokhela izinsizakalo. Okunye ukusetshenziswa imali ngaphandle kokuthi ukuhlehlisa kuphela kubo ngoba ngosuku oluna imvula. Nakuba umuntu singenakwenzeka Wawuthatha loan injongo enjalo.

Yikuphi credit kwabakhulelwe dolobha Sberbank ukukhetha?

Ukubolekwa kwemali ku abanezidingo ezikhethekile abelwe wokubukisa ngamaqembu ahlukene, kodwa musa ayeka ukuba khona umthengi. Asevele aba amanye amagama ngqo abonisa injongo yabo. Enye ukubolekisa okuyiwona amabhange ungazange zilandelwa injongo inkinga yimali, futhi amagama abo siqu, okuyinto kungase kubonise izimo enikezelwe yabo. Ngosizo ukubolekisa uthenge izinto zasendlini, belungisa izinto, ukuthenga ifenisha nokunye. Basuke kubhekwe amakhasimende umthengi, nokuthi banethemba lokudla uzikhokhele ngezithukuthuku dolobha.

Isikweletu esingu enhloko-dolobha womama e Sberbank

Kodwa, noma kunjalo, lokhu akukwazi kwenziwe. Ngokuvamile dolobha womama ingasetshenziswa izinjongo ezintathu: ngoba ingxenye accumulative kwezimpesheni kukamama esizayo, ingane kwezemfundo kanye ngcono izimo zokuphila. Kulokhu, ngcono akubhekwa nokunamathisela lodonga entsha noma ukuthengwa zasendlini, futhi kakhulu ukuthengwa zokuhlala noma isakhiwo. Kusobala ukuthi iningi imali umthengi akuyona efanele.

Kungakhathaliseki uhlu sizonwebisa?

Isikweletu esingu enhloko-dolobha womama ku Savings Bank nezinye amabhange, singasho, itholakala kuphela abatshelekayo. Kodwa esikhathini esithile esidlule, izishaya-mthetho bacelwa ukuba enze uhlu kakhudlwana futhi bakunikeze ithuba ukusebenzisa inhlokodolobha ukuthenga imoto entsha. Kodwa inqobo nje uma isiphakamiso namanje okuxoxwa ngalo. Ngenxa yalesi sizathu, inkokhelo esinqunyiwe noma ephelele, futhi nakakhulu loan imoto kulabo banezingane ezimbili noma ngaphezulu ayitholakali. Ngaphezu kwalokho, akunakwenzeka ukuba abuyisele loans student, ngoba yesikole kungaba khona kuphela ngesibusiso ukudluliselwa kwezimali ezikhungweni zemfundo. Credit abaxhumanisi kungukuthi ebekiwe emthethweni.

Futhi ukuphela kuyoba?

Impela kancane. Okokuqala, ungathola mortgage, okungukuthi, ukubolekwa imali enjalo, lapho isofthiwe kuyoba ukuthenga ifulethi, kuze kube yilapho ukusikhokha, kuyoba njalo nasezinsukwini isibambiso. Ngaphezu kwalokho, ibhange inikeza ukubolekisa okungatholakala wachitha kuphela yokufuna ingcebo. Umehluko wukuthi ukhiye akasona isicaba, nenye impahla yakhe. ukubolekisa ezinjalo ngaphansi inhlokodolobha womama ku Savings Bank nezinye amabhange ayatholakala.

Ngokuqondene lokuqala eyaphuma ngalo ...

Kukhona eyodwa Snag. Into wukuthi zonke loan ukuthenga indawo akuyona ngaphandle inkokhelo phansi. Ngemva kunezinkinga zemali efika, akekho ebhange eyodwa alinikezi ngenani eliphelele izindleko nezindlu - esimweni engcono, amaphesenti angu-90 kuphela yalabo abayishumi aseleko esakhokhwa umthengi. Kuze kube manje, VTB futhi Sberbank 24 kuphela ofanelwe udumo ngenxa dolobha womama anganikeza.