Kanjani ukubala ngokweqile ku loan kanye nenzalo, na?

credit uhlelo manje liyindawo ebaluleke kunazo zonke ekuphileni kwabaningi abantu kulo lonke izwe. Kuphela abantu abambalwa ngiyizwe ke, kodwa musa ukuphika ukuthi kungenzeka ukuthi esikhathini esizayo. Ngenxa yalokhu-ke kuwusizo ukwazi ukuthi ukubala ngokweqile. Nanguya lemali ngempela lemali yengezwe izikweletu Imininingwane, ekusizeni amabhange ukuze ithole ingeniso ethe kusukela ezibolekiwe kanye nokuphoqa iklayenti ukunikeza izimali ezengeziwe.

Yini ehlanganisiwe isamba semalimboleko?

izikhungo zezimali ezinkulu nezincane njalo unikele loans zomphakathi ku imibandela eyehlukile. Kuphela kuze kube manje, abaningi babo bayaqhubeka ukufihla izibalo kweqiniso ukuthi amaklayenti nazo. Lo mbuzo zonke, kwazise ziningi izibonelo eziningi lapho ucingo kuqala kukhona iziphakamiso ezithakazelisayo, futhi ngesikhathi ukusayina inkontileka amanani ziyahlukahluka kakhulu. Futhi ibhange ilungile, ngoba kukhona imingcele ethile ababoleka engaziwa. Yini ehlanganisiwe isamba loan?

1. Inani Uthishanhloko;
2. Isithakazelo ngokweqile phakathi naso sonke isikhathi;
3. Izindleko yesondlo akhawunti kanye ukukhiqizwa amakhadi epulasitiki;
4. Imali eyengeziwe wemisebenzi.

Akekho umuntu ngaphandle imfundo ekhethekile ngeke ukwazi ukwemboza uhlu oluphelele ubuqili ezithinta inani eligcwele. Kwenza eceleni sicabangele ezinye nemingcele babe izinto eziphawuleka kakhulu. uthathe leso sinyathelo ngeke axazulule impicabadala ngokuphathelene imisebenzi yisikhungo sezinhlangano eziphambili zezezimali.

EPS

Kumele siqale nge Isilinganiso senzalo esisebenzayo (ESR). Usayizi Its wabizela yilo Central Bank of Russia, ephoqa izikhungo abolekise ukuletha ikhasimende kusukela overpayments ezingadingekile. Ngokuvamile, abantu kuphela sinake iziqubulo elikhanyayo, ezithembisa isithakazelo zokukhekheleza on loan, kodwa abaqapheli ukuthi lomfula ilinganiselwe siqu.

EPS - inkomba esiyinhlanganisela, ukubala edinga ulwazi olujulile, ngakho-ke ngeke neze wake wasebenzisa ekuphileni kwansuku zonke. Nokho, ngempumelelo lenzalo awusekelwe inzuzo loan, futhi iphesenti izimali engenzi kahle. Uma ebhange njalo avele ukulahlekelwa, ochwepheshe ukukhulisa amanani ukuze ugweme ukulahlekelwa izimpahla zabo. Lesi sici uchaza ngokuphelele ngokweqile omkhulu nezikhungo ezincane zezimali, lapho amakhasimende musa kudlule efanele zokuqinisekisa enkonzweni nokuvikeleka.

CPM

PSK, noma inkokhelo inkampani yomshuwalense, bahlanganiswa Imininingwane isamba semalimboleko. it is kuphela ebalwe isimiso eziyinkimbinkimbi, okwenza isidingo cabanga. Iqiniso ukuthi ababoleka uvumele ezithile zomshuwalense emva kokusayina inkontileka. Uma baphoqekile ukuba akhokhe imali eningi ngokushesha, nakuba lokhu ubani futhi ungathandi. Kufanele kucace ukuthi kuphela lapho ingxenye enkulu amabhange bephoqeleka ukuba uvumelane leso sinyathelo, futhi kwezinye izimo kungenzeka ziwushiye.

Okunye izimali ezifihlekile

Ngaphambi kokwenza loan, cishe wonk 'umuntu ecabanga kuphela mayelana nendlela ukuthola lemali edingekile of imali. Kulokhu, akekho uyazinaka izinto ngazinye yesivumelwano, ecacisa inkokhelo eyengeziwe ku loan. Nokho, eminyakeni embalwa edlule, base inkinga enkulu, okuyinto wenza ukwandisa uthishanhloko izikhathi eziningana phezu kweminyaka embalwa. Yini ukuthini?

• Ukukhokhwa wokufaka;
• Inkokhelo sokubhaliswa isivumelwano sesikweletu;
• Inkokhelo udaba amakhadi esikweletu;
• akhawunti imali yesondlo;
• Izindleko umshwalense okuyimpoqo;
• Inkokhelo inkonzo tekusebenta.

I summation yazo zonke lezi zinto kakhulu kwandisa PUK, kuwukwanda of izinkokhelo zenyanga. Eminyakeni ethile edlule, imithetho Russian buye baphoqa amabhange ukwenza esobala inkontileka, ngemva kwalokho ababoleka bakwazi ukubona imali eningi kangakanani ukunikeza lutho. Nakuba lokhu akuzange kuthinte ukuthandwa ohlelweni credit kuleli zwe, lapho ingcebo yezinto ezibonakalayo liphansi kakhulu ukuthola zonke izinzuzo impucuko.

Commission, kungukuthi kufakwe CPM

Futhi, kukhona ikhomishini ezithile akuzona ezikhokhiswayo ngesikhathi ukubala CPM. Ziyakwazi ozikhethela, kodwa namanje zaba ezigabeni yesivumelwano. Ungakwazi zibhale kusengaphambili ukuze uvikele umuntu ngokumelene lezimanga.

• Ukukhokha okweqile ngoba befuna imbuyiselo ekuseni imalimboleko;
• Ukukhokhela isevisi settlement noma ukuhoxa ngokusebenzisa ATM;
• Izinhlawulo for yokudlula overdraft;
• IKhomishana ukudluliselwa imali kwezinye izinhlangano.

Lezi zinto esetshenziswa zonke amabhange, ngakho ezimeni eziningi ezithinta kukhethwa sipho efanelekayo. Ngaphambili, ababheka ngayo le ababoleka neze ukhathazwa, kodwa manje umehluko okunqala. Ngokwesibonelo, ukuhoxiswa kwezimali ezivela ikhadi lesikweletu plastic ebhange ATM yangaphandle ukukhokha ngokuvamile yenza ama-10% kulo. Ngakho, uma kususwa ruble 30,000, umuntu uzothola 27,000 kuphela, okunye uzoya bangakunaki ukukhokha ikhomishana.

Kanjani ukubala inzalo loan?

izibalo EPS ne-PUK bekwi kuphela abameleli amabhange. Abantu kufanele kuthuthukiswe ngokwengxenye ukwazi ngokweqile eseduze. Lokhu kubalwa akukuniki Imiphumela yangempela, kodwa ngeke ukucacisa, kanjani umehluko kuye ngesikhathi noma isikhungo sezezimali izipesheli.

Kubalulekile ukuthi izibalo abazenzi kalula ekhaya ngaphandle nokulungiselela kwesikhashana futhi isifundo enemininingwane kohlelo credit. Ngesisekelo lezi idatha wabathengi ngokuvamile ukunikela ababoleka ukhethe best ukuchitha isikhathi esincane, ngaphandle kokunikeza imininingwane.

idatha kokuqala

Ukubala amaphesenti kudingeka enye idatha kokuqala.

• PP (ngokweqile isithakazelo);
• SK (isamba semalimboleko);
• PS (interest rate);
• M (inombolo izinkokhelo zenyanga);
• Oss (ukulingana izikweletu imalimboleko);
• SDP (inani ikhokhwe);
• DP (ukudluliswa ezengeziwe).

into ngayinye kumele kube sobala ukuthi engaba umboleki, kodwa esinye sazo ukuba wenze idili likaMkhipheni. Ngokuvamile abantu abaqondi ukuthi kungani isiphakamiso lithi yonyaka lenzalo, kodwa ukubala isetshenziswa lonke inani izinkokhelo zenyanga. Isizathu salokhu itholakala lokuthi ukuthi ngaso sonke isikhathi lapho wenza isivumelwano wabonisa kunyaka ogcwele. Leli qiniso inkimbinkimbi kakhulu izibalo, lonika sitfombe ucishe namaqiniso ezithakazelisayo ngokweqile.

ifomula

Formula ukubala amaphesenti ngokweqile akunjalo nzima.

PP = SC / 100 PS * / 12 * M

Ngenxa izibalo ezilula, ubani ukuthi ingakanani imali kuyodingeka bakhokhe njengoba isithakazelo. Kuhle kokusho ukuthi kuleli cala akuyona ukuthi i-PUK, kodwa kuphela ingxenye encane yawo. Ezimweni eziningi, kuphela ukuba nobuhlobo bomuntu siqu consultant ebhange kunikeza isithombe sangempela. Nokho, kufanele uchithe ambalwa ibala, okubonisa izinzuzo kule formula kweqiniso.

Okufakwayo: SC = 30000; PS = 29%; M = 12 no-24, okungukuthi, kuthathwe isithakazelo ukubala ngokweqile 2 imigomo: at ukubhalisa 12 no-24 izinyanga.

PP = 30000/100 * 29/12 * 12 = 8700

PP = 30000/100 * 29/12 * 24 = 17400

Lezi idatha basikisela ukuthi lapho ekhetha nesivumelwano sokubolekwa imali iminyaka engu-2, umuntu kuyodingeka bakhokhe izikhathi 2 isithakazelo ngaphezulu. Ngesisekelo lesi kungenzeka ukukhuluma ngokukhululeka inzuzo isiphakamiso, uma hhayi ukuba banake kwezinye izinkokhelo.

Ukuze buyiselo zakuqala

Kunengqondo ukuphetha ngokuthi ungakwazi ngokushesha babone ukuthi wayezokwelapha yimalini kudingeke ukuba ubuyisele inkokhelo egcwele loan ngaphambi kwesikhathi ebesibekiwe. Ngokuvamile abantu nje fingqa izinyanga ezisele, kodwa akazange ngisho ukucabanga ukuthi iphutha lenzeka. Badinga ukwazi ncamashi kungasiphi isisekelo izinkokhelo zenyanga zenziwa.

1. izinkokhelo Annuity;
2. Izimali okuseleyo langempela.

Indlela yokuqala izinkokhelo zenyanga esekelwe kwesikhashana Umdwebo imali ukubuya isheduli jar. Kulokhu, lemali uhlala njalo kulo lonke ekuphileni kwalowo muntu ebonakala ukhetho best. Nokho, indlela yesibili kusekelwe imigomo ejwayelekile ye-amaphesenti, kuye ekunciphiseni inani avelele izikweletu. Kulokhu, kukhona buyiselo zakuqala umehluko esichazayo, esekelwe ifomula ngomumo eyenziwe sokubalwa.

OCC = SC-PSD-DP

Iqiniso ukuthi PSD kuyahlukahluka kakhulu, ngoba kubhadalwa kwemali yemphesheni ehilela inkokhelo yokuqala isithakazelo, bese lukhula ukuhoxa kancane kancane nge Imininingwane imali loan. Ngakho, ngemva kokuphelezelwa ukusayinwa inkontileka nebhange ngaphansi kwemibandela engabe kungcono zitshele inkokhelo yakhe kungakabi yisikhathi. Ngenxa yalokho, le kuyodingeka ichithe imali eningi ngaphandle kokuthola nanoma yiziphi umehluko eziphathekayo elenza ukubolekisa zinjalo izuzisa kakhulu ukuba sezinhlangano eziphambili zezezimali.

Ukubuka esinamandla at loan

Uhlelo credit sandile kulo lonke elaseRussia, kodwa abantu sebeqala nje ukufunda ukuhlola izimo ezihlongozwayo ukufunda indlela ukubala ngokweqile. Akulula njalo, ngoba nje ukuhlolwa nizithibe Kusinikeza nethuba lokucabangela "izingibe" elincane inkontileka. Bavame kakhulu iphenduka inkinga, ngakho kufanele bhala ezinye umehluko wemisindo nemiqondo yamagama eziyisisekelo azosiza umuntu.

1. Isilinganiso senzalo;
2. ikhomishini engeziwe;
3. Uhlobo lokukhokha;
4. umshwalense;
5. Amagama loan.

Prime umboleki ngokushesha ebhekene uhlu olude nzima, kodwa akunakwenzeka ukwenza ngaphandle kwalo. Ngokuvamile, umehluko wemisindo nemiqondo yamagama encane mabi kakhulu, ngakho kufanele unake okukhethekile.

ukubala ngokweqile

Nokho, ababoleka ezingaba isazoqhubeka ukuqhubeka ukucabanga kuphela mayelana ngokweqile, kuhlanganise ukubaluleka yalo engaphansi kuphela zenzalo. Okungenhla kuyizimbangela azosiza ukushintsha umbono womphakathi, kodwa namanje kuwufanele akunika mfana.

ngokweqile Iqiniso kunoma iyiphi loan neze esibekiwe ngaphandle kosizo lukachwepheshe ummeleli ebhange. Kuyinto engenakwenzeka ukwazi ye-PUK, njengoba ifomula ekubaleni yayo hhayi wachazela ngu sezinhlangano eziphambili zezezimali. Ngenxa yalokhu, ukwazi ukuthi yimalini kuyodingeka bakhokhe emva kokusayina inkontileka, kungcono uma sivakashele ehhovisi. Cela ulwazi oludingekayo, kuhlanganise nenani loan kungenziwa emalini ngokuqondile ingqondo ukubona izindleko zangempela. Lesi senzo kungumsebenzi ngabeluleki, ngakho ukuhlola ijubane lakho siqu akunzima kangako.

Kukhethwa elilungile

Ekugcineni, kubalulekile ukuba ukhulume ukukhetha elilungile. Kumele okusekelwe izintandokazi zabo siqu. Ngokwesibonelo, umboleki wazi ukuthi ezinyangeni ezimbalwa kalula imali ebolekiwe. Kulokhu, ukulingana ebhange, lapho azikho izimali ezikhokhwa buyiselo zakuqala.

Kubalulekile ukuba bangayeki lide kakhulu. Yebo, bona kakhulu sokukhulisa iphesenti overpayments, kodwa akusiwona caveat kuphela. Ngokombono ngokwengqondo buka, isinqumo esinjalo kuyinto eliphezulu abantu, ngoba ngemva inguqulelo kwaphakathi nonyaka, ke iyaqala ukuthuthukisa isimo. Ngenxa yalokhu, i-mortgage uhlala eziyinkinga imikhaya abasha namuhla. Iminyaka yokuqala yokuphila zihlale kunzima, futhi uma kudingekile ukunikeza share eziphathekayo nyangazonke imali ngokuhlanganyela, kancane kancane abasafufusa amahlazo.

Sebenzisa uhlelo credit eRussia elula, kodwa uhlala opaque. Amabhange noma kunjalo ukwenza akukho imfihlo wemisebenzi yabo kumakhasimende, kodwa abantu ngokwabo baphokophelele ngokwakho ezikweletini. Abanaso ulwazi oludingekayo, ngakho ngokuvamile usayine inkontileka emigomeni okungekuhle. Ngakho Kunoma yikuphi, udinga ukucacisa yonke imininingwane ke ukuba buthule ukwenza izinkokhelo zenyanga bengabheki ngokweqile ngokweqile.