Indlela lokuqala ngokukhokha iba loan ku Savings Bank: incazelo izinqubo kanye nezincomo

Akuwona wonke inhlangano, besebenza njengendikimba umbolekisi ihlinzeka kusengaphambili loan. amakhasimende Savings Bank nenhlanhla nokuningi: ivumela, uma uthanda, ukukhokha lemali egcwele izikweletu noma ingxenye yalo. Ngoba ukuthengiselana ukuba lo muntu obolekayo kuyodingeka ukuba ngivakashele ihhovisi yenkonzo futhi ngibone onguchwepheshe abolekise labantu. Emva ukugcwalisa inkontileka izibambiso inqanyulwa noma ashintshwe nganoma izingxenye zalo (schedule lokukhokha). Ukuze bagweme izinkinga kulesi sibalo, kufanele wazi ukuthi lokuqala ngokukhokha iba loan kusuka Sberbank.

Bheka ibe nesivumelwano sokubolekwa imali

Nquma isinyathelo ukuze senkokhelo ekuseni imalimboleko kuzosiza ziphathelene ebhange, wabhalwa nomklamo walo. Isivumelwano ngeke ucacise indlela ukusebenzisa lapho kubalwa lokukhokha nyangazonke: annuity noma umahluko. Indlela yokuqala libhekene iminikelo alinganayo edingekayo maqondana loan. Kulula ukubona futhi ngokuzimela uma kudingeka ukhokhe imali nyangazonke flat, loan - annuity.

izinkokhelo umahluko kukhona impermanent. Nyanga zonke bayashintsha kancane kancane kuyancipha. Ngokwesibonelo, ekuqaleni kwesikhathi loan iklayenti okhokhela ebhange ruble 600, futhi ekupheleni - kakade 400. Futhi isithakazelo yenu kuyovumelana kancane kancane wenqaba, kodwa inani yesikweletu kulotshiwe off in izitolimende elinganayo.

Mayelana umehluko kanye kubhadalwa kwemali yemphesheni

Ukuze uqonde ukuthi ukukhokha ngaphambi boleko isheduli ku Savings Bank, udinga yokuqonda lokho okushiwo yinkulumo kumiswa iminikelo nyangazonke. Ngokwesibonelo, kubuyisele Ngaboleka imali ebhange annuity indlela, ikhasimende obhalisa kwale mibandela elandelayo:

• njalo ngenyanga kufanele akhokhe inani elifanayo phakathi naso sonke isikhathi loan;
• inkokhelo siqukethe ingxenye eyinhloko kanye isithakazelo njalo ngenyanga ibalwa lonke inani imalimboleko;
• iningi labo zikhokhwa engxenyeni yokuqala ka nenkathi yenkontileka.

Ngenxa yalokho, inani kwemali is phindisela kuphela inkokhelo yokugcina. Ngakho-ke, ukuze "ucime" udumo sisihle ngaphezulu Engxenyeni yokuqala eside yesivumelwano, uma ibhange ongakabi etholakele ikhasimende ingxenye enkulu isithakazelo.

Indlela umahluko buyiselo imalimboleko izinkokhelo zanyangazonke ziyehluka lemali. Inani labo eliyinhloko kubangelwa kwesikhathi sokukhokha eyodwa, futhi isithakazelo. Kwakamuva icala hhayi inani eligcwele imalimboleko, kuyilapho bonke abanye-ke. Le ndlela sokukhokha isikweletu siba ngconywana ukuba lo muntu obolekayo - the ngokweqile kuyinto encane kakhulu.

Imibandela nezimo

ungakwazi lokuqala ngokukhokha iba kanjani loan ku Savings Bank? Kunezindlela eziningana izimfuneko ukuthi kufanele uhambisane ukuze afeze ukubala. IBhange akusho ukuthi abeke tidzingo inkokhelo encane akuvimbeli kokubili buyiselo ngokwengxenye futhi egcwele. Ngaphezu kwalokho, lo muntu obolekayo ngeke bejeziselwa yokukhokha ekuseni.

Okuphoqelekile ikhasimende isinyathelo esimweni "ukuvala" esivumelwaneni sokubolekwa kwemali noma ukwenza ethile Sabelo ukunikeza isitatimende esibhaliwe mayelana ebhange, lapho ulwazi olulandelayo kufanele licaciswe:

• idethi yokuvuthwa (nemini ngokushikashikeka nokukhandleka);
• inani umnikelo;
• akhawunti izimali kuzodluliselwa.

Savings kumele baziswe izinsuku ezingu-30 ngaphambi kokuba kubuyekezwe okuhleliwe isikhathi.

Lapho buyiselo zakuqala yesikweletu yikhasimende ilungelo lokumangalela ingxenye umshwalense kuze kuphele isikhathi ukuthi ngeke zifakwe inkathi yokusetshenziswa. Yiqiniso, le nqubo lide ezingaphezu kuka sokukhokhwa ebolekiwe, nokwenzeka uma uthanda. Uqala inqubo futhi nesicelo, ukuma okuyinto ungacela ebhange.

I-algorithm

Ukuze hhayi ukuba bazibuze ukuthi lokuqala ngokukhokha iba loan ku Savings Bank, udinga ukwazi ukuthi uyoba ukukwenza. Imithetho jikelele for ukudluliswa ngempumelelo izimali kanye nokwabiwa (ukuvalwa) ka isamba semalimboleko sehliselwe la maphuzu alandelayo:

• ukubhala isitatimende buyiselo zakuqala niwayise ebhange ezinsukwini ezingama-30 ngaphambi inkokhelo ehleliwe kwezimali;
• ukubona ukuthi isisebenzi esehlisa noma uphawu ku isitatimende ukwamukelwa ukuze acutshungulwe;
• ukukhokha inani lemali ebekiwe nganoma iyiphi indlela elula;
• ukwenza izinguquko ibhalansi;
• ucele ishejuli yenkokhelo entsha (in the case of ukuhlengwa ngokwengxenye) noma amadokhumenti, eqinisekisa ulindele ukubuyiselwa yona iphelele imalimboleko.

Kufanele kuqashelwe ukuthi icebo izinkokhelo zenyanga akuvamile ukushintsha, t. Ukuze. Sberbank ngokuvamile udonsa ukubolekisa nge kubhadalwa kwemali yemphesheni. Lapho senkokhelo ngokwengxenye zokuphila zabo nokushintsha nesivumelwano sokubolekwa, kuyilapho inani iminikelo ayiguquki.

izindlela zokukhokha

Ukwenza inkokhelo elandelayo, noma inani buyiselo zakuqala imalimboleko kungaba ezahlukene. IBhange engabuzi izimangalo ukuba indlela yokukhokha, ikhasimende eqondiswa zabo okuthandwa siqu kanye lula. Beka imali yakho kwi-credit score, ungasebenzisa le ukuphela (ngisho inhlangano third-party), e-wallets, EFT noma imali idiphozi ekhawunteni.

abasebenzisi Isevisi "Sberbank Online" ukwenza ukusebenza ngisho lula. Kwanele ukufinyelela kwenethiwekhi futhi lemali edingekayo izimali ekhadini noma enye i-akhawunti yasebhange. Indlela lokuqala ngokukhokha iba loan ku Savings Bank ngosizo i-inthanethi? Ukuze wenze lokhu, kudingeka wenze Inombolo yezenzo:

1. Ngena ngemvume ku-"Sberbank Online" uhlelo.
2. Iya "Iziphakamiso" sigaba.
3. Ukuchofoza loan yakho esebenzayo, khetha indlela buyiselo zakuqala (esinqunyiwe, ephelele).
4. Gcwalisa ifomu, ecacisa ukuthi imalini, lo izindleko kanye nesikhathi ukushaja.
5. Chofoza "Yenza isicelo".
6. Hlola ngokunemba we idatha efakiwe bese uqinisekisa isenzo ngosizo i-SMS ikhodi.

izicelo Ukubulawa ingaqashelwa ngokusebenzisa i-akhawunti inthanethi.

ukubuyiswa kwemali ekuseni Okugcwele

Uma lemali edingekayo loan khona ngaphambi kwe-kuhlelwe, i-ababoleka ngokuvamile cabanga kokuncishiswa ephelele izikweletu zabo. izibopho Monetary abadliwa ngisho abantu abadla izambane likapondo kakhulu. Lahla kubo akuyona kuphela emnandi, kodwa futhi inzuzo. Ngemva wayinquma kwesikhathi inani izikweletu akudingeki akhokhe imali eyengeziwe ezandleni ezingalungile. Uma ufuna ukukhohlwa ayigcinanga ngokuchaza ukuthi izimali ezibanjwayo nyangazonke kusukela isabelomali, kodwa futhi ukuhlala abamnyama deal, kufanele wazi izimiso ezimbalwa ezilula.

Indlela lokuqala ngokukhokha iba loan kusuka Sberbank kuzobazuzisa? Ukuhlela ukukhokha izikweletu, kufanele sinake isikhathi izinkokhelo. "Lokuvala" credit engxenyeni kwesikhathi ngokusetshenziswa kwalo yesibili uthembisa inzuzo encane. I ngaphambili senkokhelo umboleki uthishanhloko ingxenye, inzalo engasakufuni kuyodingeka bakhokhe.

ukubuyiswa kwemali esinqunyiwe

Kaningi kukhona "uphahla" inani akusheshi futhi yokukhokha nyangazonke, okuholela zokubala kabusha bushelelezi futhi ukusheshisa ukuqedwa ubudlelwane phakathi ayemkweleta futhi okweletayo. Abaningi bayazibuza: njengoba kancane lokuqala ngokukhokha iba loan ku Savings Bank? I-algorithm kule ndlela buyiselo zakuqala lamahubo lilingana, kuphela wanezela eyodwa ngaphezulu umthetho kancane ukuthi inkokhelo kufanele sibe ngaphezu isamba imali nyangazonke.

I mali idluliselwe okhethiwe isikhathi sabo esihleliwe noma isivumelwano ebhange. Inani kokweqa Kunconywa, ukunciphisa loan, okuholela isithakazelo izinkokhelo esincishisiwe. Kuphethe nanembuyiselo ngokwengxenye imalimboleko, kubalulekile ukuba zisebenze isisebenzi asebhange ukubona uhlelo olusha lokukhokha (nge indlela umahluko).

sivumelwano mortgage

Ngenxa Izindleko eziphezulu zokuthola izidingo zezindlu, imikhaya eminingi bavumelane ukuthengwa zokuhlala (izindlu) kule loan eside. Kule nkathi ubudlelwano phakathi umboleki futhi obolekisayo zeminyaka zokugcina 15 noma ngaphezulu. Phakathi nale nkathi yokuba izinguquko global engenzeka: ngezinye izikhathi umndeni uqala ukuze uthole okwengeziwe noma ukukhokhelwa ukusiza izihlobo. Kukhona ngempela umbuzo esinengqondo: "Kungenzeka yini ukuba akhokhe isikweletu sendlu Sberbank loan yakho ekuseni?" Impendulo nakanjani kube onguchwepheshe, "Yebo." Futhi ungakwazi ukubala ukuthi ngokuvamile futhi kahle. I nemikhawuko kuphela - ngokweqile kungenzeka kuphela ngemva kokuba inkokhelo 4th ku mortgage, futhi ruble okungenani eziyinkulungwane 15 ..

Ngakho kungenzeka lokuqala ngokukhokha iba loan ku Savings Bank? Kusukela sihloko abafundi uyofunda ukuthi akusiyo kuphela kungenzeka kodwa futhi kunesidingo, uma kungenzeka. IBhange akusho ukuthi abeke yisiphi isibopho lowengetiwe ngendlela inhlawulo noma izinhlawulo futhi kudinga ukuhambisana nemibandela ubuncane. Inqubo noma luphi uhlobo loan okufanayo: umthengi, indlu, imoto.