Lapho kuba inzuzo ukuthatha loan ngokheshi? Izinhlobo umthengi credit

Uma kukhona isidingo esiphuthumayo imali, futhi izihlobo nabangane ngeke bakwazi ukusiza, ngesikhathi kuphakama umbuzo kanye esinzulu kuphi inzuzo ukuthatha loan ngokheshi. Yikuphi izikhungo ukukhetha: ibhange noma i-PDA, noma esitolo pawn MFI? umboleki Ikusasa kumelwe soberly ukuhlola amandla abo kanye nezinzuzo, ngoba ekugcineni, nalezi zindlela uyokwenza kucace lapho ukuze uthole imalimboleko evumayo ngokheshi.

Kuyini credit umthengi

Umthengi credit kuyinto imali ukuthi ebhange noma kwenye abolekise isikhungo ayakuphuma ukuba lo muntu obolekayo. Ikhishwe ngu isizumbulu semali kumelwe abuyiselwe ngenyanga, nge ekukhokhweni isithakazelo kufunekani izimali ezibolekwe.

ukubolekisa Umthengi zihlukaniswe ngezigaba eziningana. sibheka kubo manje.

Ngu uhlobo izikweletu

Umangele lapho inzuzo ukuthatha loan ngokheshi - ebhange noma esikweletu umthengi ama cooperatives, zama ukuthola impendulo. Okungukuthi, umuntu ayemkweleta kungenzeka kuphela ebhange.

Ngu uhlobo umsebenzi ukuma

ukubolekisa Bank ihlukaniswa ukuthola imali ukuthenga umkhiqizo othize noma isevisi. Lokhu loan injongo, okuyinto libhekene enezimo ezingcono: encishisiwe inani lenzalo yonyaka, imigomo nezimo ukuze ukubuyiswa kwemali, kanye nethuba lokuthola uxhaso lukahulumeni (ukusizakala kokuthola ukubolekisa target umfundi nokusekela umbuso). Obolekayo, okwenza out ilitshe loan ongawamukeli imali engukheshi, basuke adluliselwe ngqo umphakeli izimpahla noma amasevisi ifomu cashless.

loan Injongo, ngokuphambene, kuhilela ukuthola imali ukuthi ungakwazi ukusebenzisa uwedwa, futhi unganiki umbiko sesikweletu esikhishwe umboleki kwezimali mboleko.

Ngu uhlobo eseduze

ukubolekisa Ikhishwe kungenziwa kusekelwa isofthiwe, isibonelo, isiqinisekiso noma inkontileka ibheyili. Impahla (nezinqe ezingagudluki) zingakhiqiza izibambiso. Uma lo muntu obolekayo unazo izimo zezimali lapho ngeke imali ebolekiwe, ibhange kungathatha yena impahla yakhe etholakala isibambiso. Uma kunesivumelwano ngebheyili, lapho lo muntu obolekayo ayikwazi ukubuyisela leyo mali, lo mthwalo siyo- isibambiso sakhe. Lapho eseduze iphesenti yonyaka ngaphansana ngaphandle kwalo.

ukubolekisa okungaphephile, noma, ngamanye amazwi, okungaphephile, ekhishwa ibhange kuphela esigabeni ababoleka abanokuhlangenwe engenayo njalo negunya emlandweni credit. Inani izimali anikezwe kuleli cala luphakathi izimali ebhange esikhona siqu kodwa ngesikhathi ephakeme rate yonyaka.

Ngokusho uhlobo ababoleka

Lesi sigaba, yona, lahlukaniswa laba amaqembu amaningana. Ngokwesibonelo, imikhaya zabantu osemncane, obazali yobudala ingeqi uphawu iminyaka engu-30, uma ukuthola umthengi credit nokusekela umbuso. Lokhu credit kungenziwa okubhekiswe (mortgages, ukubolekisa imoto) noma jikelele (non-target).

Ekucubunguleni amaqembu elandelayo ukuthola impendulo yombuzo othi lapho kuba inzuzo ukuthatha loan ngokheshi impesheni. ukubolekisa Umthengi ekhishwa ibhange impesheni, ngokusekelwe eqondile yokuziphilisa ngesimo impesheni. Ukuze ukwazi ukusebenzisa lolu hlobo loan, kumele uthobele isimo saziso - the lithathe umhlalaphansi-umboleki kumele basebenze. Impesheni kanye ukutholakala komsebenzi kuzovumela lithathe umhlalaphansi ukuthola imali ngesikhathi ikhange nakakhulu ngemigomo yekhredithi.

Trustee uhlobo loan - zisebenza ababoleka ngomlando omuhle esikweletu libhekisela kaningi ebhange ayemkweleta. Ngesikhathi okuphindaphindiwe inkomba umboleki kuyoba okwanele ukuba kudlule inqubo ubuncane esisemthethweni, ngemva kwalokho-ke uzobe ngokushesha unikezwe imali yokwebolekwa.

Ngokusho uhlobo ukubuyiswa kwemali

Ukuze ukhokhele lokhu loan ngezindlela ezimbili.

Standard - isitolimende ukukhokhelwa. Ingabe inani umfaniswano ukukhokhelwa enziwa njalo ngenyanga noma emva kwezinyanga ezintathu. Inani yokukhokha ingalungiswa noma ukushintsha.

One-time - kuhilela ukwenza isamba semali esingango imali ngosuku oluthile elicacisiwe nesivumelwano sokubolekwa.

Ngaphansi imigomo

Isamba semali yokukhokha - ekhishiwe njalo obolekayo enamandla. Lolu hlobo lwe-loan ithandwa kakhulu. Ibhange ucubungula isicelo ngasinye umboleki ngabanye kanye nemali ekhishwe ibalwa ngesisekelo ikhono ukukhokha.

inkokhelo Wemvelo, it is ezikhanyisayo, kuyinto lokunikeza umboleki akuyona yonke isamba semalimboleko ngesikhathi esisodwa, kodwa ukudluliswa kancane kancane ngaphakathi isikhathi esithile esinqunyiwe. Isici omuhle kuleli cala wukuthi umboleki angaqiniseka ekutholeni imali ukuthi kukhonjisiwe isicelo.

Ngu uhlobo imigomo

Lapho kuba inzuzo ukuthatha loan ngokheshi in Russia, kucatshangelwa isimo ukuntengantenga komnotho? Namuhla, amabhange Russian ukuhlinzeka ayeyiboleke sabantu, kunemibandela zibahlukanise ku yesikhashana, lapho isikhathi imali ngaphansi konyaka owodwa, futhi eside, ngenhla loluphawu. ukubolekisa esifushane zikhishwa isikhathi esithile (ngokuvamile esingeqile ezinyangeni 12) noma ku-funa. Khona-ke, ngenxa yokuntuleka oluyonqunywa ngoba befuna imbuyiselo imalimboleko, ibhange unelungelo lokuthathwa njengomsulwa zidinga umboleki ukukhokha izikweletu noma ngasiphi isikhathi.

Ithola umthengi credit ebhange

Ukuze uthole credit ungase ufanelekele umuntu ngaphansi kweminyaka eyi-18 (noma iminyaka engu 21, embundwini usetha isikhungo yasebhange) futhi musa ukundlula embundwini iminyaka engu-70.

yasebhange ngalinye ngeke ngokuzimela ukusungula izidingo ezifanele ukuze abafisa ukuthola imali. Kodwa kukhona imfuneko jikelele lonke usebe - khona eqondile yokuziphilisa ka umboleki. Ngu umthombo engenayo libhekisela inkokhelo. Futhi, umboleki kungase wazise yasebhange mayelana nokuba khona imithombo yakhe okunye imali, ezifana iholo kusukela ukuqasha impahla (efulethini, igalaji noma kwenye indawo) bemadividenti ku izibambiso. Le mithombo uzodinga bodokotela.

Ikhwalithi imibhalo ukhonza ipasipoti ezivamile yokubhalisa saziso unomphela esifundeni indawo ebhange. Imibuzo Evame Ukubuzwa okutshela iholo umboleki, futhi ikhophi yerekhodi lakhe umsebenzi beyoba amaphepha adingekayo ukuze uthole imali. Ukuze uthole imalimboleko likwazi ukuboshwa nokuqaqwa, ibhange angacela umboleki ukunikeza imibhalo ezengeziwe: a kamazisi yasebusosheni, ubufakazi kwemibhalo esitokisini / isehlukaniso izibambiso.

Uma lo muntu obolekayo uwela ngaphansi izici ezithile yasebhange, kungaba kakhulu ukunciphisa isithakazelo yonyaka ezihlinzekwa ebhange futhi ukusheshisa inqubo yokubhalisa:

1. Obolekayo uthola span kweminyaka emibili nengu-25 kuya ku-45.
2. On ikhadi lasebhange uboleka isifika wenyanga we translation umboleki.
3. Ngezinye omkhulu umsebenzi isipiliyoni umboleki sika.
4. Obolekayo inomlando crystal credit.

I isilinganiso senzalo esisebenzayo ezihlinzekwa ibhange

Ngokuhambisana nomthetho osebenzayo, ibhange ngesimo umthwalo ukudalula ukuthi isilinganiso senzalo esisebenzayo umboleki sika. Kuyinto iqoqo yonyaka lenzalo plus kungenzeka ikhomishana ebhange. Kungenxa yalesi izinga, iBhange ngeke abale zenzuzo ukusetshenziswa imali, ngakho udinga bajwayelane leli phuzu kabanzi ngaphambi kokusayina inkontileka.

Izimali icala yibhange

Noma yimuphi credit asebhange esikhishwa ebekwa Commission. UKhomishane angase abe alahlwayo, lapho umboleki okhokhela isikhathi 1 kuphela, isibonelo, isicelo semalimboleko, imali Ukukhishwa credit. Uma lo muntu obolekayo ibuyisela izimali ezibolekwe ekuqaleni, ngoba kungase futhi kube icala sithunyiwe.

Ikhomishana nokugcinwa ezivamile: isevisi yonyaka ka credit card, ukheshi okwesula ikhadi lesikweletu. Kuyona inikele konke walo myalo, umboleki kumele anqume lapho inzuzo ukuthatha loan ngokheshi.

Ukubuyisela imali umthengi credit

Kukhona izikimu ezimbili eyenza umuntu kungaba abuyisele lokhu loan: Annuity futhi umahluko. Ngokuzenzakalelayo, amabhange abaningi baye basebenzisa ifomu annuity yokukhokha, okuyindawo ehlanganisa wethula inani elimisiwe njalo ngenyanga. Annuity yokukhokha inezingxenye ezimbili: uthishanhloko kanye nesithakazelo. Nyanga zonke kukhona nokwanda nenani lenkokhelo, okuyinto siqondiswe buyiselo uthishanhloko kanye inzalo enqwabelene, kunalokho, incipha. Lapho le ndlela buyiselo yesithakazelo loan amasevisi ayo ibalwa asele isamba oyinhloko.

indlela umehluko isikweletu ukubuyiswa kwemali, kuhilela ekwenzeni izinkokhelo ezahlukene ngenyanga, uthome ngobukhulu, futhi kancane kancane kuyancipha.

Noma yimuphi inhlangano yezimali akanandaba ngokushesha ukubuya kokukhipha loan, ngakho amabhange usethe isikhathi esithile lo umisa, phakathi kwesikhathi lapho umboleki unelungelo sokukhokha imali ebolekiwe ngaphambi kwesikhathi ebesibekiwe. Ngokuvamile zokhahlamba kusuka 1 kuya 6 izinyanga. Noma ezinye amabhange avunyelwe angabuyisela phambili boleko uhlelo, kodwa ngesikhathi esifanayo pay kusuka 1-12% ikhomishana inani lemali, ekhokhwa kusengaphambili. Ngakho-ke, ezibuza ngalokho lapho ukuthatha inani elihle kunawo credit imali izindleko ukuze silungiselele tinhlobo letehlukene ikhomishini futhi zenzalo.

Credit umthengi wokubambisana (CCP)

Uma lo muntu obolekayo, nganoma isiphi isizathu ungafisi ukusebenzisa ibhange, ungafaka isicelo kwi-PDA. Sizama ukuba aphendule umbuzo lapho inzuzo ukuthatha loan ngokheshi in eYekaterinburg. I CCP, okuyinto yezinhlangano e engaphezu kwengu-20. Lona "Union", "Igolide Pool", "Promotion" nabanye.

Credit kanye umthengi wokubambisana Uyisibopho, okubandakanya abantu yemvelo kanye zomthetho, behlanganiswe isici esithile.

Ukuze ufaneleke ukuthola imali, kumele:

1. Yiba yilungu futhi ukhokhe imali ubulungu.
2. Yiba umuntu omdala.
3. Yiba yimuphi ukubhalisa eRussia.

Imibhalo Iyatholakala ngoba loan zihlanganisa:

1. iphasiphothi Civil.
2. SNILS.
3. Isitifiketi elicacisa ubukhulu Inkokhelo WezabaSebenzi ka umboleki (uma umninimasheya akahleli loan okokuqala, noma i-akhawunti e co-op isikhathi eside idluliswe iholo nobe kwempesheni, isitifiketi kungadingeki).

Umkhawulo lemali okungenzeka imali ukuthi CCP angakhupha ngeke sidlule 10% azo zonke izimali ezibolekiwe oluvelele, ngosuku ngesinqumo lokuphindisela izeqamthetho lapho zenze kuye.

ukubuya ngeke ibalwe ngamunye kutsi banini ngamunye, futhi ekuboniswa enamathiselwe inkontileka ka ishejuli yenkokhelo loan.

Njengoba izidingo CCP ngoba lo muntu obolekayo, wonke umuntu ukhululekile ukuba azinqumele ukuthi ikuphi inzuzo ukuthatha loan ngokheshi.

MFI

Uma lo muntu obolekayo abakwazi ukuqhosha kokuba umlando evamile credit, futhi kwesatshwa ukuthi akekho ebhange noma CCP ngeke amnike imali kufanele baye microfinance izikhungo (MFIs). Lapho kuba inzuzo ukuthatha loan ngokheshi in Omsk? Kwezinye MFIs kungcono ukubhekana? Namuhla emzini Omsk, kunezinhlobo ezingaphezu kuka-30 MFIs ezilungele sibambisane nalabo abafisa athathe isikweletu ngokheshi.

Yenza loan ilula: kumele ukufinyelela yobudala futhi ahlinzeke idokhumenti civil (ipasipoti). IFI ngamunye has ubuncane bayo siqu kanye inani eliphezulu imali. Okuxubile futhi sokwenza izikhathi. Ngokwesibonelo, e "Express-credit" ukulungele ukukhipha kuze ruble 100 000 0.4% ngosuku futhi isikhathi izinyanga 24. A "Ukuze ukhokhele" Ngokuphambene, izinganekwane ukunikeza out esiphezulu ruble 10 000, kanye nokukhokhwa 1% ngelanga futhi nge esingangaleso sokukhokha imali esinqunywe ezingu-20.

Lapha kukhethwa umboleki, lapho ukuthatha loan imali lesi sikhundla esinemali.

pawnshop

Uma lo muntu obolekayo akafuni ukulinda isinqumo lesikhungo credit bese ugcwalisa izicelo ezidingekayo kanye namafomu, yena angafaka isikhalazo pawnshop. Lapho kuba inzuzo ukuthatha loan ngokheshi in eMoscow? Ngo Lombardy.

Kukhona ungathatha jewelry enziwe ngegolide, futhi Cutlery eyenziwe nesiliva, namatshe anenani, amawashi. Kukhona isigaba pawn izitolo ukuthi ukwamukela ibheyili, ekhaya Imishini, omakhalekhukhwini kanye noboya amajazi.

Njengoba sesifunde ezihlongozwayo credit izikhungo, obolekayo ngamunye ekhetha indawo lapho inzuzo ukuthatha loan umthengi ngokheshi.

ERussia namuhla, a diki of kweletu linikeza zonke izigaba ababoleka. Ukufunda, lapho inzuzo ukuthatha loan ngokheshi (izibuyekezo ku-inthanethi), akukho impendulo ecacile kunoma sesikweletu isibambo kangcono. Esimweni ngasinye sihlukile futhi ngamunye kumelwe bazikhethele ukhetho best.