Izinga lenzalo yemali mboleko ku loan zingancishiswa!

Kuze kube manje, izinhlelo ethandwa kakhulu loan yilezi: ukubolekisa auto, umthengi, indlu namakhadi non-okubhekiswe. Kancane abantu ngaphansi isicelo boleko imfundo izingane, ukwelashwa kwamazinyo, ukulungisa, izindlu ngcono, ku uhambo phesheya nezinye injongo ekhethekile.

Ngayinye yalezi zinhlobo abolekise usethe lenzalo yayo, ubuncane kanye seqiwe zazo kuncike umehluko wemisindo nemiqondo yamagama amaningi uhlelo yasebhange. Uma ukhohlwa isikhashana mayelana nezinhlobo abolekise, kungenzeka ukuthi ngezinga elingakanani namuhla ziyahlukahluka inani lenzalo kusuka 7 kuya 40%.

umthengi credit

It enikeziwe ukuthenga ifenisha kanye nemishini, kanye namasevisi ukukhokhelwa yasekhaya. It zingahlelwa e igatsha lasebhange, futhi esitolo fenisha kumbe impahla yokusebenza, inqobo banayo onguchwepheshe oqeqeshiwe ukubhalisa isicelo sakho. ukubolekisa Umthengi iyabiza, uma uthatha semali - izinga ukuba 29%. Njengoba sazi ukuthi esithize ekuvumelwene ubuye ezincane (ngokuvamile kuze iminyaka 5), izinkokhelo zaba ruble 13,000, futhi ngokweqile -. Ruble 280 000. ruble 500 000. Kungathatha 15-18% (inkokhelo - ruble 12 000, i-ngokweqile 220.000 ruble ..). Kodwa ngesikhathi esifanayo, uma ufuna ukukhokha kancane (ubuncane senzalo ku loan - 14%), kungcono ukunikeza ebhange okubizwa ngokuthi eseduze ngoba loan, elingasebenza njengesibuko ibe yisibambiso impahla noma isibambiso.

Auto Loans

10,5-24% - lawa ukusebenza okwedlulele zenzalo emalini ebolekwe imoto. In the hlelo ukuthengwa ezintsha izimoto angaphandle izinga ingaphansi (11-13,5%), imoto entsha yasekhaya (12-15%). I okusezingeni eliphezulu lenzalo ku loan isethiwe, yebo, izimoto lesibili ngesandla: angaphandle - isilinganiso 16.5%, yasekhaya - kuze kufinyelele 24%. Ayanda Imali, ephansi izinga. High zenzalo asethwe ezinhlelweni ezikhethekile: boleko imibhalo 2nd ngaphandle izitifiketi; ukuthengwa izimoto ngenxa yebhizinisi.

mortgage

Lolu hlobo lwekhadi onikelwa ukuthengwa kwezindlu: zokuhlala, izindlu, Cottages, mhlawumbe kanye nendawo. Kukhona uhlelo ukuthengwa egumbini bese wabelane efulethini.

Izinga lenzalo yemali mboleko ku loan zokhahlamba kusuka 9 kuya ku-21%. Lokhu iphutha kungenxa okusezingeni eliphezulu izici lobuchwepheshe izindlu. Eshibhile ukuthenga indawo esakhiweni esisha, indlu elalisanda kwakhiwa ku 1-1.5% ezibizayo, ezibizayo nezindlu ezibiza imali encani phezu emakethe yesibili. Amaphesenti aphansi luzovezwa uma wenze inkokhelo enkulu phansi ifulethi.

Uhlelo of mortgage abolekise senzalo ku loan - ke akuyona inkomba yenkokhelo njalo ngenyanga. Ukuze yengezwe njengenhlangano umshwalense yonyaka (0.4-2% we isamba semalimboleko), zonke izinhlobo ikhomishini, okuyinto kungagwenywa futhi, uma uza ukucinga ebhange esinomthwalo wemfanelo omkhudlwana - ukuchitha okungenani inyanga ukuze ukhethe hlelo lufanelekile.

loan injongo

Ikhishwe nganoma yisiphi izidingo. Plus, lolu hlelo wukuthi ikhasimende akathunyelwa ekutheni ucacise nenhloso eyenza ithatha kusukela ebhange. Le sevisi yasebhange "ededela" iningi "isandla" futhi ivumela ababoleka imali nganoma yisiphi izidingo. Kodwa ... kukhona uhlelo kanye lokususa - high senzalo.

Lezo zinhlelo ngezinye izikhathi zibizwa ngokuthi amabhange ezahlukene: ukheshe ukubolekisa, loan ukwethembana. I ukubheja ubuncane kuso - 13%, ngokwesilinganiso - 15% kodwa kungaba njengoba eliphezulu 40% (uma udinga imali ngokushesha, ngaphandle guarantors futhi izitifiketi). Lolu uhlobo eqolo yokuboleka le mali.

Izinga lenzalo yemali mboleko inquma malini overpay ngethuba ukuthatha ebhange. I okungenani ezibizayo namuhla babe mortgage nemoto ukubolekisa, endaweni yesibili - umthengi credit, futhi eqolo namuhla loan imali ngaphandle ezibhekisela, guarantors noma eseduze. Kodwa nganoma iyiphi yalezi zinhlelo, ungathola indlela sinciphise izinga lokutholakala kwengculazi: ukuhlinzeka wonke amaphepha ebhange, ekutholeni co-ababoleka (noma guarantors) ukunikeza eseduze noma inkokhelo enkulu sokuqala (uma mortgage nemoto loans).