Indlela ukukhetha yibhange imali, hhayi overpay

Okwamanje, amabhange anikele ezahlukene imikhiqizo loan kuye ngenjongo, khona izibambiso, isikhathi ukucubungula isicelo, loan imigomo, njll Indlela ukhethe umkhiqizo hhayi overpay ku zenzalo? Cabanga yibhange imali engango nezinhlobo zalo.

The main abolekise Isimiso: nengozi isuke inkulu-nezinkinga izikweletu, ayanda iphesenti loan. Izingozi zihlanganisa ukulahlekelwa ukuhola ngokubuka lo muntu obolekayo, umthombo engenayo, ukulahlekelwa, ukweba, umonakalo okuhambisayo, akukho yisiboniso, obolekisayo eside, ubudala noma esemncane kakhulu lo muntu obolekayo nokunye. Ngakho-ke, ngaphambi kokuba unikeze abanye yibhange imali, ibhange ufuna ukunciphisa izingozi zabo ngokudinga isitatimende engenayo, ikhophi yencwadi umsebenzi, ukubhaliswa of isibambiso, ukubandakanywa eyodwa noma ngaphezulu guarantors, umshuwalense wokuphila kanye nezempilo ze-umboleki (ikakhulukazi uma abanikeze eside loans), umshuwalense izibambiso.

Okuvame kakhulu ebhange - loan izidingo umthengi. Ikhishwe ukuthengwa zasendlini, izinto zokwakha, imishini kagesi imoto nokunye. It ihlukaniswe yaba eziqondiwe non-target. Target umthengi credit yenziwa kuphela ukuthengwa komkhiqizo noma impahla ethile, isibonelo, imoto, indlu yokuhlala, ukulungiswa kwezindlu, lemfundo. On target isithakazelo loan izinga ingaphansi kwe ku-non-target, ngoba izingozi asebhange kungenziwa imvume uthenge encishisiwe noma alungisa impahla njengoba izibambiso.

Uma udinga imali ukuqeqeshwa, silalela lesi nomugqa wekhredithi njengoba loans student nge ukuxhaswa uHulumeni (isilinganiso jikelele - 11,25%, zazo umboleki okhokhela% 5,06 kuphela isikhathi sokuba sesikhundleni cwaningo kuze kube iminyaka engu-10) futhi ngaphandle uxhaso (12 % Apr kufika eminyakeni engu-11). Uhlu amanyuvesi iqhaza kuhlelo lwe-ka ngokuxhasa ukubolekisa kwezemfundo, evunywe i-Ministry of Education. Isithakazelo amazinga imfundo kuyinto ephansi kakhulu kunamanye ukubolekisa umthengi. Ngaphezu kwalokho, kukhona isikhathi somusa buyiselo uthishanhloko kanye isithakazelo.

Bank loan imoto (loan imoto) ihlukile umthengi target ukuthenga imoto ukuthi ngesikhathi sokubhaliswa yayo isifungo imoto uyisidingo. Ukuze bangabi sengozini yokulahlekelwa izibambiso, amabhange adinga ukuba ukuthathelwa umshuwalense imoto hhayi kuphela kwi-CTP, kodwa futhi Hull. PTSD futhi ikhophi isitifiketi sokubhaliswa semoto uthenge uhlala ebhange kuze ulindele ukubuyiselwa yona iphelele yesikweletu. Ukunciphisa ngaleyo ndlela izingozi ýkhasýmende ikuvumela ukusetha ngenzalo ephansi ku imoto ukubolekisa (kusukela ku-14.5%). Ngokubona kwami, uma imoto entsha othengwe kusukela umthengisi ogunyaziwe, kufanele ukhethe loan imoto, kulandele isibambiso. Izizathu eziyinhloko: ephansi zenzalo loans kanye yamanani ongaphakeme CASCO izimoto ezintsha. Ngomnyaka wokuqala ukusetshenziswa imoto CASCO udinga ukuthenga hhayi kuphela ngenxa yokuthi ukuthi kungokudingekayo ebhange, kodwa futhi ngenxa ubuthongo ngokuthula bese beshayela. Uma imoto kuthengwa lesibili ngesandla, umdayisi umakhelwane noma umngane, kufanele bahlele credit umthengi ukuthenga imoto ngaphandle ukubhaliswa izibambiso. Izinga lenzalo yemali mboleko kuyoba kancane ephakeme kunaleyo loan imoto nge izibambiso. Ngaphansi ebhange usungula izimfuneko ngonyaka imodeli imoto: kufanele kube "Ningabizi lutho ngaphezu" iminyaka 5-8 (ngamunye ibhange credit yabo ngokuya, mina ucaphune ezivamile). Emva kokuthenga ibhange kuyodingeka ukufakazela ukuthi uthenge imoto, futhi ungachithi imali kokunye. Letha PTAs Bank futhi isitifiketi sokubhaliswa imoto, izisebenzi asebhange ukwenza ikhophi imibhalo, okwangempela izobuyiselwa. Uma uthenga imoto, hhayi bewela ngaphansi izidingo ngenhla, akukho okuseleyo emehlweni enkosi ngaphandle indlela ukudweba loan ezejwayelekile umthengi noma credit izidingo esiphuthumayo. Izinga lenzalo yemali mboleko ku umkhiqizo loan iqala ngo 17-18% ngonyaka inqobo yisiboniso.

Ethandwa kakhulu kalula izakhamuzi eziningi eRussia yibhange imali engango kuvikelwe ingcebo (mortgage). Lokhu kungenxa yokuthi amazinga enzalo kubo azihlukile ngakho, ukhatshana lelitshe umthengi ukubolekisa (12% ngonyaka). Nokuthathelwa anikezwe isikhathi eside, izidingo esiqinile kuya solvency futhi engu-umboleki. Njengoba kuye kwaphawulwa Agency Mortgage Ukubolekwa (AHML), amaRashiya isilinganiso ingenzele mortgage iminyaka engu-17, khokhela off iminyaka 10. Kodwa ngisho ne ukuvalwa yokuqala ye ngokweqile loan uthole yezinkanyezi. izimo oyisibopho mortgage: khona umsebenzi unomphela, ibe yisibambiso impahla aluthola, ukuhlola kanye umshwalense impahla, inkokhelo yokuqala 10-15%.

Uma ufuna ukulondoloza ku isithakazelo ebhange, kufanele banakekele umlando wakho wokuthenga ngesikweleti,, pay sasifike ngesikhathi izinkokhelo zenyanga, zama isicelo loan elilodwa noma amabili amabhange lapho uzobe kwakhiwa credit yakho idumela. ababoleka njalo nokunokwethenjelwa amabhange ukunikela oyithandayo loan amazinga kanye ngesandla esithambile ngemigomo yekhredithi. Qala umlando wakho wokuthenga ngesikweleti, kungenziwa ukuvula ikhadi lesikweletu njengoba ebhange okuthembekile ukuvula ngemigomo yekhredithi, kungabikho Imali ezifihliwe. Ngokusho le mephu ungakwazi ngezinye izikhathi ukukhokhela ukuthenga wamanje kanye angabuyisela izikweletu ngesikhathi preiod umusa, ngaphandle kokukhokha isithakazelo kuze kube yizinsuku ezingu-50. amabhange Abaningi "ukunikeza" amakhadi khulula ngonyaka wokuqala wenkonzo.

Elinye isu labo abafuna ugcine on loans yasebhange - zama uzithatha ebhange, okuyinto ikhadi idluliselwe iholo. Isitifiketi yomholo futhi incwadi umsebenzi ebhange ongeke zidinga futhi unikele oyithandayo zenzalo emalini ebolekwe eziningi.