Kungakhathaliseki noma cha ukuze athathe loans 2014? Sberbank - zonke izikweletu

Loans - isevisi ajwayelekile empilweni yesimanje. Ngokwezibalo, abantu abaningi basebenzisa okungenani kanye. Ukuthenga ifulethi, imoto futhi zasendlini ngesikweletu - kuba lawo masevisi okuyinto wonke umuntu uyazi futhi ngempumelelo ukuzisebenzisa, ingasaphathwa kabi wesikweletu noma imali-mboleko. Naphezu kwalokhu, abantu njalo kuphakama ngalokhu noma lowo mbuzo. Kodwa into eyinhloko yawo wonke namanje lokhu: "Ingabe kukufanele ukuba athathe loans 2014?"

Pro ne con

Ukuze benze ukuhlolwa Inhloso, bese uphendula lo mbuzo noma cha ukuze athathe loans 2014, kubalulekile ukuqonda indlela yokuqondisa amazinga inzalo emalini ebolekwe ebhange. Okuxhunyanwa futhi ingxenye yayo esemqoka - izinga refinancing of Central Bank. Isithakazelo phezu ebhange akukwazi ngaphansi kwaleli nani. Ngakho-ke, lapho emali ivuliwe par ngesilinganiso refinancing, izimali loan kancane yehliswa ukuthi ababoleka baba inzuzo ngenkathi okwandisa izimali ngokulingana noma ngaphezulu kwesilinganiso Central Bank.

credit okungekuhle iba ezimweni lapho kukhona kungenzeka ukuthi ukuzinza siqu zezimali engase anciphe esikhathini esizayo. Ukuhlelela isikhathi eside esizayo kungenye yezindlela eyinqaba kuphela isimo, okuyinto ithola isabelo sezimali sonyaka kunyaka ozayo, esekelwe izibikezelo kanye izibalo izinkomba ezithile.

Kungakhathaliseki noma cha ukuze athathe loans 2014?

Isimo ezweni lakithi okuzinzile, naphezu izibikezelo esibucayi kunokwenzeka emva iMidlalo Yama-Olympic ngo Sochi kanye kwalokho edlulela emasimini amasha. Into kuphela kufanele inake ezingaba umboleki, kungcono ukuzinza siqu e izimali futhi ukungena yabo.

Kubalulekile ukuqonda ukuthi lwemali imalimboleko noma kunjalo kumele kube imali efanayo. Khona-ke iyehla iyenyuka kwadingeka bungabathinti loan okunemibandela ngawe yenyuka intengo (nokungawuvivinyi ngokwanele ukubaluleka the ruble).

Lokhu kusho lokhu okulandelayo: uma imali esikweletini seyikhishiwe euro noma aseMelika, futhi imali ongawabala in ruble ngesilinganiso exchange ke okwandisa izindleko zesikweletu iyakhula. Ukuze ababoleka, lokhu kusho i ngokweqile ezengeziwe.

Enikeza Savings Bank ukuze ababoleka?

Sberbank loans 2014 baningi. Ehlobo - samaholide, - Savings Bank inikeza umkhiqizo omusha nge encishisiwe lenzalo (kusukela ku-14.5%). Lezi credits umthengi ngo-2014 zingahlelwa e amagatsha Sberbank. Basuke ekhishwe njengenhlangano okungaphephile (uma zenzalo ziphakeme - by 15.5%), futhi ngaphansi isiqinisekiso abantu. Ephambi kwezinduna guarantors of isamba semalimboleko kungaba kuze ruble ayizigidi ezingu 3 izinyanga-60.

Kungakhathaliseki noma cha ukuze athathe loans 2014, isibonelo, a mortgage? ngonyaka yamanje ku-mortgage abolekise uhlala njengoba inzuzo. Ukwehlisa amazinga enzalo is akulindelekile, njengoba izindleko izindlu uyaqhubeka ukhula. A mortgage kubhekwe njengento uhlobo uhlelo isitolimende unombono inani lesikhathi esizayo impahla. Yebo, ngokweqile abalulekile, kodwa ngo-khathi buyiselo! Ka mortgage, ngeke ukuwuzwa. Uma sihlaziya ekunyuseni amanani ezinsukwini zokugcina 14 iminyaka, uzobona ukuthi intengo ezindlini kwenyuke ngo izikhathi 2. Ngakho kwakuthi lapho sesikhokhe buyiselo mortgage efulethini yakho iyobe iwufanele imali ukuthi ikhokhwe.

Mortgage imikhaya abasha

Sberbank uye wazakhela mortgage isimiso esikhethekile - loan intsha ifulethi. 2014 wenza izinguquko ezithile ukuze izimo zalo. Kuze kube sekupheleni Juni 2014, kukhona ongaphakeme zenzalo - kusukela 10.5% ngonyaka. Basic senzalo loan kusuka Sberbank kuyinto 12% ngonyaka ezakhiweni accredited, onjiniyela uke wangena isivumelwano nokugcinwa izikhungo zayo Sberbank. Ukubambisana okunjalo kunenzuzo zonke - ibhange uthola ababoleka, nalabo yena, ziyancipha amanani mortgage loans. Futhi unjiniyela ethengisa ngokushesha ngangokunokwenzeka wonke amafulethi endlini entsha.

Isici esiyinhloko lo mkhiqizo mortgage kuyinto:

1. Ubudala owakwakhe esingaphansi engu-35.
2. Umkhaya ungase ube ohlwini isimo ngcono izimo zokuphila. Uhulumeni uholela ingxenye izindleko endlini yabo entsha.
3. Abashade kumele kwanele ukukhokha izinkokhelo mortgage imali ngokuhlanganyela.

Ukuvunyelwa kusukela Bank kuyoba kungenzeka kakhulu uma sicabangela hhayi kuphela imali yomkhaya, kodwa kwaba nayizihlobo zabo. Ukuganukeja sozaomschikov kungenzeka. Inombolo enkulu - abantu 4. Uma umndeni enabantwana noma isitifiketi esikhishwe "inhlokodolobha sikanina ', ngeke wandise amathuba akho bengatshelekwa.

Eminye imikhiqizo loan

Futhi kuthiwani ukubolekisa imoto? Ingabe kumele ngizinike loan ngo-2014 ukuthenga imoto? Izimpikiswano esivuna lokhu ukubolekwa imali engekho kuqine. Imishini, njengoba abaphikisa ingcebo, kodwa ushibhile ngokuhamba kwesikhathi. Isithakazelo amazinga imoto akuyona okusezingeni eliphezulu ngakho nebanga isilinganiso kusukela ngomhlaka 8 kuya ku-15%. loan Vosmiprotsentny ingatholakala ukuthengwa imoto entsha kwezinye dealerships imoto, kusukela isiphakamiso esinjalo inkanuko funa.

Ubuningi 15 zenzalo ku Savings Bank zikhokhelwa esimisweni ejwayelekile loan imoto. Isimo salo abaqotho ngaphezulu. Ngakho, ungakwazi ukuthenga imoto kusuka ngabanye yangasese, ukuthi isetshenziswa, noma ukuthenga entsha, kodwa kusukela isigaba ezibizayo. Intengo Car kufanele kube ruble ezingaphezu kuka-750 eziyinkulungwane.

Ngakho-ke, i- loan ukuthenga imoto kungcono ukukhipha short-term - kuze kube iminyaka emithathu. Khona-ke ngokweqile ngeke abalulekile kuqhathaniswa ukwehla izindleko izimoto ngalesi sikhathi. Minyaka yonke, ukusetshenziswa imoto kuthatha isendalini yayo ukubaluleka mayelana 10%. yemizi, kunalokho, kuphela ziphindeke ngokuhamba kwesikhathi. Nciphisa izindleko zalo abahlaziyi musa azicabange.