Kulabo abafuna ukufunda ngalokho ebhange unika loan iminyaka engu-18

Ngiqinisekile Abaningi bazovuma ukuthi lujule Eminyakeni yokuqala kusezingeni kwakudingeka imali, ngoba futhi silungiselela yesikhulumi ukuze uqaphele uqobo esikhathini esizayo ngalesi ukuthi bakusiphi isigaba sokuphila umuntu ngifuna yena. Ngokusobala, konke lokhu kudinga imali sasivumela ngemali okukhulu ukuthi akuwona wonke umuntu. Lapho, isibonelo, ukuthatha imali yemfundo ephakeme? Futhi lokhu akuyona yonke articles abafana namantombazane amancane benza imali. Nezingubo, ukudla, ukuzijabulisa - konke zinaka ekhethekile. Into efika kuqala emqondweni ukuboleka ezihlotsheni noma kubangane.

Futhi lokho uma, futhi, abacebile? eyodwa kuphela into - ukuboleka imali ebhange. Nokho, lokhu akulula njengoba kubonakala. Okokuqala odinga ukukwazi ngalo ebhange unika loan iminyaka engu-18. Njengoba umkhuba ubonisa, hhayi zonke izikhungo ngenhla zezimali kahle ukuxazulula le nkinga, wazi ukuthi lo muntu obolekayo - umfundi evamile. Noma kunjalo, kancane kancane isimo abafundi emayunivesithi siyashintsha zibe ngcono, ngoba ngalesi yobudala, abaningi babo ukuthola umsebenzi futhi ube nomholo esitebeleni.

Uma ucabangela umbuzo okuyinto ibhange unika loan iminyaka engu-18, kufanele kuphawulwe ukuthi izimo ngokunginika ke akuzona okuthile kubantu abasha zehluke ejwayelekile.

abolekise lokususa

Yiqiniso, lapho bedinga imali ngokushesha, abantu uyavumelana mthwalo sokubuya kwawo. Kufanele ngenzeni ngakho? Noma, mhlawumbe, kungcono ukuba ibekezele futhi ukuthola into ekahle? Ake siphenye.

Ngakho, le nsizwa wathola ngokwami ukuthi ibhange unika loan iminyaka engu-18. Gidi ukuthi uyahamba isakhiwo zezimali, ogama abasebenzi ukuba achaze ukuthi isizumbulu semali, akakwazi ukubala (kufika ku-ruble ayizigidi 50), kuyilapho inani lenzalo ku loan - hhayi elincane ngakho. Obiralovka? Yebo, ngeshwa, kuba ngakho, futhi insizwa ushintsho lapha kanti akakwazi ukwenza lutho yena noma avumelane isiphakamiso noma cha. Kodwa ngokuvuma, khumbula: ubungeke ukhokhe izindleko ezinjengalezi.

Ubani inikeza ezimvunayo kakhulu

Ake uchaze ukuthi nalokho ebhange unika loan iminyaka engu-18, kanye izimo ezikahle kakhulu?

Ochwepheshe batusa ukuthi, okokuqala, ukuze simazi kangcono iziphakamiso we Savings Bank, "VTB 24", "Raiffeisen Bank", "Tinkoff" futhi "Privatbank". Kufanele kuqashelwe ukuthi izinhlangano ezimbili zokuqala wezimali ube izinhlelo eziklanywe kahle imalimboleko - anika imali izimo ngabanye. Uma sikhuluma "Privatbank", lesi sakhiwo anganikeza loan in inani ruble ayizigidi 150 iminyaka 4, ngaphansi isimo 35% ngonyaka.

Kufanele kubhekwe ukuqhutshelwa ibhange "Tinkoff" Nge ukunakekelwa okukhulu, alinikela ingqikithi 12.5% ngonyaka. Nokho, leso ephansi senzalo kungenzeka ukufihla nendawo yokugcina ikhomishini ngalo kakhulu ukukhulisa.

amadokhumenti

Ngakho, yini imibhalo edingekayo, ukuze inhlangano yezimali credit sivunyiwe (imali) nge iminyaka engu-18?

Kufanele kuqashelwe ukuthi ngenxa umncintiswano omkhulu emakethe, ngamunye isakhiwo sezimali wenza konke okusemandleni ukuze alifake ohlwini amaklayenti abo.

Naphezu kweqiniso lokuthi ayeyiboleke 18 amabhange udaba ngokuzithandela kakhulu, iningi labo namanje waba lula inqubo yokubhaliswa amaphepha ayedingeka. Uma ngaphambilini kwadingeka ukubhala solvency we obolekayo, manje kwanele ukwethula i-passport. Nokho, kubalulekile ukuba siyavuma ukuthi ngenhla kuyiqiniso ngoba ezimweni lapho isamba semalimboleko ingenkulu kakhulu (kufika ku-ruble ayizigidi 30). Uma uhlose ukuba uhlele yibhange imali engango-inani elikhulu, singadinga ukuthi banikeze ulwazi ngemali abayitholayo noma ukuthola guarantors.

credit izipesheli

Ake sihlaziye kakhulu isiphakamiso esivamile ngoba Ukukhishwa sokubolekwayo. Lapho ungathola credit iminyaka engu-18? Kunezinhlobo eziningana, futhi ukazhdogo izici zayo. Hlola yethu mini-ukubuyekeza, hhayi ezokuzwisisa kukhethwa. Ngakho ...

"Agricultural Bank"

Lokhu kuvumela uhlelo isikhungo sezezimali ukukhipha udumo abantu abaletha uneminyaka engama-ruble angu-1 million. Kumele kuqashelwe ukuthi le nkulumo imalimboleko kungaba isukela kwezinyanga eziyisithupha kuya eminyakeni emihlanu. Okuncane senzalo lishone 12.5% ngonyaka kanti esiphezulu - 18% ngonyaka, ngesikhathi esifanayo ke kuxhomeke ekutheni, ngasiphi isikhathi esithile Uyithole ezikweletini. Ukuhlinzeka ukutusa inani ruble ayizigidi 300 ukuthola co-Osayinile.

ebhange yokulondoloza

Okungenhla isakhiwo sezimali kunesithembiso impela Ukukhetha zamandla ababoleka, futhi amathuba okuthola ukungena ezikweletini ukuze abafundi incane. Intsha waphendukela Savings Bank izocubungulwa loan lowomuntu kumuntu kumele kudingeke ukuthola yisiboniso, futhi lokhu kumele kube izihlobo. Futhi uzodinga isitifiketi imali akuyona kuphela umboleki kodwa futhi guarantors. Inani izimali ezibolekwe kungaba ruble angu-3 million. Bayoba ukubuyela eminyakeni 5. Okuncane senzalo kuyinto 16.5% ngonyaka, esiphezulu - 24,5% ngonyaka.

GE Money Bank

Ibhange ayakuphuma kubantu abaneminyaka engu-18 Ikhredithi nakuba kungaze kube yinxenye sesigidi sama-ruble. Buyela imali uzodinga ukuba ekupheleni kweminyaka engu-5.

Okuncane senzalo kuyinto 19,9% ngonyaka, esiphezulu - 24,5% ngonyaka. Okuqukethwe amantombazane kuphela can loan ezinjalo. Yebo, ukuthi imingcele enjalo.

"Standard Russian"

Lesi sikhungo yasebhange ngqo intsha esikhishwe credit card "Student." Ubuningi atholakale izinkulungwane 150, uma 29% ngonyaka.

By endleleni, kukhona isikhathi somusa. Ukuze Ukukhishwa oshiwo ngenhla yasebhange umkhiqizo osemusha kufanele athumele isitifiketi scholarship noma iholo.

isiphetho

Yiqiniso, ingxenye enkulu lentsha ukunwaya amakhanda abo phezu lapho ukuthatha ngesikweletu. iminyaka engu-18 - lokhu akulona isizathu ukulahla kwakungenzeka lokhu, ikakhulu lapho kuphakama lapho imali kuyadingeka njengoba umoya. Nokho, kufanele ubuyekeze sina ezingaba sakho sezimali futhi ukubala kusengaphambili ukuthi uzokwazi ukuba akhokhe ngesikhathi ku loan. Uma kungenjalo, kusukela lo mbono kufanele uyekwe, hhayi ukuze singene ubugqila bezikweletu.