Isitalimende kuhlukile loan futhi yini kangcono?

sonke sifuna ukuphila kahle. Car, efulethini, zesimanje ezenza, ifoni imfashini - isifiso iningi labantu evamile. Yilokho nje kungesona sonke has le mali ukuthenga izinto ngobusuku obubodwa. Ngakho-ke, abantu bakhetha ezinsizakalweni ezifana isitolimende kanye credit. Umehluko phakathi kwabo akuyona laziwe kubo bonke.

Isitalimende kuhlukile loan?

Ukubolekwa kwemali kungaba ngcono izinga lempilo kanye zikwenze kujabulise futhi zikhululekile. Asiza ngo ezihlukahlukene ezimweni. Izikweleti kungenzeka kwezohwebo, umthengi kanye loans imoto. Njengoba ababoleka ongakhonza kokubili abantu zomthetho futhi ngokomzimba. I loan ingatholakala ebhange, futhi endaweni yokudayisa ukuthengwa kwezimpahla. It ikhishwa ngesikhathi isithakazelo futhi ngezinsuku ezahlukene.

Isitalimende kuhlukile loan? Umehluko omkhulu wukuthi izitolimende ingaba ngokweqile yezimpahla (amasevisi). Futhi ukuthole ebhange akunakwenzeka, ngoba kuphambene ebhizinisini core isikhungo credit.

Uma izibalo e imibhalo ebhange, okungukuthi, inkontileka yokuthengisa lwaphetha ngezithombe iqhaza lakhe, lokhu loan.

Isitalimende kuhlukile loan? Ngokuvamile izitolimende kuhlinzekelwe ukuthengwa zasendlini kanye nezimoto. Ngaphezu kwalokho, isitolimende ngokungafani imalimboleko is ngezimali imigomo. Ngokuvamile inkonzo inikezwe isikhathi esifishane - kusuka 3 izinyanga ezingu-12. Akuvamile iminyaka emibili. Ukukhokhwa udumo umthengi kungenziwa bandlale phezu iminyaka 3-5.

Lapho ungahlela isitolimende?

Ukukhangisa, ukunikela ukuthenga izimpahla ngesikweletu, akuve kuvamile ukuba esikrinini TV nezibhengezo emgwaqeni. Uyini umehluko phakathi izitolimende kanye loan?

Kunezinhlobo ezimbili izinguqulo izitolimende. Eyokuqala - lapho sevisi credit. Kulokhu, inkontileka ukuthengwa kwezimpahla unawe endaweni yokudayisa kanye nesivumelwano sokubolekwa imali isayinwe ebhange. Kulokhu, umthengisi othola imali ebhange, umthengi uthola izimpahla kanye nesibopho sokuphatha ukukhokha isikweleti esikhathini esibekwe, okwenza ethile njalo ngenyanga. Empeleni, isitolimende kanye loan - into efanayo. Umehluko wukuthi, ngaphansi yokuqasha ukuthenga, ungenawo overpay izimpahla. Bese kuthi-ke kuphakama umbuzo: "Lapho wenza inkokhelo by izitolimende kuyinto isivumelwano sesikweletu, equkethe inani lenzalo. Inkokhelo nyangazonke kufaka inzalo ukusetshenziswa wesikweletu Kukanjani umthengi akusho overpay izimpahla.?" Ukuze amaklayenti ukunikeza "0% Apr" isibambo sokubheka ubungako kwenza isaphulelo on the umkhiqizo kanye ebhange inzalo yayo le Isaphulelo futhi imimoya. Okungukuthi, zonke izindleko yinhlangano yokuhweba. Ngakho, kuvela ukuthi waphupha ikhasimende uthenga ngaphandle overpayments.

Eyesibili inketho - uma isitolimende unika esitolo ngokwayo. Lona isitolimende "iqiniso", lapho sivumelwano nabathengisi ngqo, ngaphandle labalamuli. Isithakazelo, izimali ezengeziwe futhi ikhomishini kulolu hlobo ukubala singanikezwanga.

Into kuphela yena kuyodingeka bakhokhe - kuba luhlolo amafomu isicelo kanye nokubhaliswa yonke imibhalo edingekayo. Izindleko zalesi izitolo inkonzo azilungiselele, ngokuvamile ahlanganisa inani lezitolimende.

Eyesibili umehluko isitolimende imalimboleko uma uthenga umkhiqizo - kuba ubuhlobo zomthetho. Isivumelwano ukudayiswa kumele lwentiwe nomthengisi. Futhi uma noma yiziphi izimangalo kuyodingeka bafake isicelo ke.

Inani elilingana nenani kwezimpahla kumele sikhokhwe ngenyanga alinganayo. Ngokuvamile, kulesi simo, ihlinzeka iningi idiphozi kokuqala (ngokuvamile ezingeqile kwezingama-30%).

Ubani nihlela izitolimende?

Ngo amabhange ezingefani zindlela ezahlukene nalowo sizimisele loan. Lapho senza nolwazi oluqonde kakhulu kumele itholwe abasebenzi asebhange. Ukukhuluma ngokuya jikelele, umuntu kumelwe abe umsebenzi, ubudala kanye nobuphakathi we Russian Federation kusukela engu-18 kuya 65.

Kuyaphawuleka ukuthi amabhange kakhulu musa ukungena esivumelwaneni sokubolekwa imali nabantu abahlala ezindaweni lapho kungekho amagatsha futhi igatsha. Ngaphezu kwalokho, izakhamuzi design isitolimende we Chechen Republic, Republic of Dagestan, North Ossetia nezinye republic aseningizimu kungenzeka kuphela esifundeni ohlala kulo.

Yini imibhalo kudingeka sokubhalisa izitolimende?

Uhlu kwemibhalo edingekayo yokubhalisa izitolimende, ngezindlela eziningi incike lapho kucubungula. Uma uthenga impahla enxanxatheleni yezitolo ngokusebenzisa isiphathimandla loan, bese kubhaliswa kuyoba ipasipoti ezidingekayo futhi idokhumenti yesibili nihlola ubuwena, ongakhetha kuzo (SNILS, ilayisense yokushayela noma kamazisi yasebusosheni).

Uma inkontileka senziwa ngqo phakathi umthengi kanye nomdayisi, kulesi simo sidinga ukuba ipasipoti inkontileka sokuthengisa. Kuyoba icaciswe nemibandela zokuthenga: kokuqala lokukhokha, elithi kanye nenani izinkokhelo zenyanga. Ngezinye izikhathi kungase kudingeke i isitatimende engenayo noma isiqinisekiso besithathu.

Izici izitolimende

Isitalimende kuhlukile loan? Ukuthenga izitolimende kungaba iyiphi into: njengoba izinto zasendlini, ifenisha, uboya, futhi izinto zokuhloba nezindwangu iwindi plastic. Kodwa iningi izinhlangano ukuhweba asethe imikhawulo ethile ecebeni isitolimende. Izitolo afeze izenzo, okuyinto isikhathi esithile kungenzeka ukuthenga zonke izimpahla noma yiziphi izimpahla isigaba kukhawulwe "ebolekiswe ku-0% Apr." Ngakho-ke, isitolimende kakhulu - kungcono nje icebo ukumaketha ukwandisa inani traffic ngokuvakashela yokuxhuma.

Yikuphi okungcono: ukubolekwa imali noma ukuthola isitolimende?

Ukuhlela ukukhipha udumo, kumele kuhlolwe ngemfanelo amakhono abo njengoba inkonzo has kokubili ngebuhle nebubi.

Manje, ngezinzuzo. Clearance kushesha, kungekho izidingo ngendlela elukhuni kumadokhumenti enikeziwe. Lapho uthenga ecebeni isitolimende akuyona overpaid.

Uma sikhuluma amaphutha, kuba:

• Dlala ngezimali eside.
• Usayizi enkulu izinkokhelo zenyanga.

Ngakho-ke, impendulo elula yalowo mbuzo zazo kungcono: ukubolekwa imali noma ukuthola isitolimende akunakwenzeka. Konke kunqunywa amakhono sakho sezimali.

Yini okufanele mina funa uma uthenga izimpahla ngesikweletu?

Ithuba ukuthenga izimpahla by izitolimende ejabulisa eziningi. Ngakho-ke, akubona bonke ngokwanele ukuhlola kwenzekani elibazungezile. Akufanele ngokushesha igijimele le maelstrom zekhanda lakhe, kudingeka sibheke esinamandla at esikuyo. Mhlawumbe ukubaluleka izimpahla esitolo enikeza le sevisi kakhulu overstated. Kufanele uhlole lezo ziphakamiso kwezinye izitolo kanye eziqhathanisa izindleko izimpahla ehlongozwayo izitolimende.