Standard futhi eside ukubolekisa: Yinto ebaluleke kakhulu ukubolekisa

Wonke umuntu oye wezwa loans eside ezimpilweni zabo. Kodwa akubona bonke abantu owaziyo lokho abayikho. Kafushane, kuba credit olunikezwa amabhange nezinye izikhungo zezimali isikhathi eside (eminyakeni emithathu). Kodwa isihloko iqukethe eziningi ngokuningiliziwe, futhi lokho ngakho Ngithanda ukutshela.

mayelana isevisi

ukubolekisa eside bavame ukunikeza ezimbili izinhlobo amakhasimende. Isigaba sokuqala sihlanganisa abantu abafuna ukuthenga indawo yendlu noma yokwakha indlu. Kodwa izimali azanele, ngoba bahlala bengatshelekwa. Yena kutholakale khona ukuze nenkathi eyiminyaka engu-5 kuya kwengu-30 ezaziwayo. I loan yalolu hlobo kungathatha yimuphi umuntu ezineminyaka ephakathi kwengu-21 no-65 ubudala, elihambisana nezinye izidingo, okuzoxoxwa kamuva.

Futhi, loan eside ngokuvamile bahlelekela izinhlangano ezingokomthetho. Umgomo wabo - ukusebenzisa izimali imisebenzi emikhulu. Kuyaphawuleka ukuthi esimweni izinhlangano ezingokomthetho ukubolekisa eside nomqondo obanzi and definition. Lezi zihlanganisa nokulingana (izimenenja zokutshalwa kwezimali kanye nezimali ebhange) udaba izibopho, imali nge ukuvuthwa isikhathi eside kunaleso unyaka owodwa. Kodwa konke okungenhla has omunye umgomo - wayefaka imali ukukhiqizwa utshalomali umsebenzi wokwakha, okwasetshenziswa esikhathini esizayo kuzoletha inzuzo.

Nokuthathelwa nemalimboleko auto

Lona uhlobo loan ukuthi liyatholakala kubo ngabanye. Ethandwa kakhulu izikweletu eside esikhathini sethu.

I engavamile mortgage wukuthi impahla atholwe kuba izibambiso. Uma abantu abakwazi ukukhokhela izikweledu zayo, efulethini / indlu / yasebhange ezweni kuzothatha ukuze kulungiswe umonakalo. Ngokwesilinganiso, mortgages ukuthatha iminyaka ayi-10-30. Lokho-ke sivunyiwe, umuntu kuyodingeka ukuqinisekisa ikhono lazo ukukhokha. Kuze kube yimanje, kunikeza isitatimende engenayo, idokhumenti emisebenzi futhi isipiliyoni sabo ukusebenza kanye neqiniso lokuthi ungubani. Uma umuntu ethatha isizumbulu ngempela, kungase kudingeke ukuba "umlingani" kwezinkokhelo, okusho sozaomschik. Ngokwesibonelo, umbhangqwana oshadile anganika loan enkulu nge okungenzeka ephakeme koyedwa.

A loan ukuthenga imoto - liphinde yibhange imali yesikhathi eside. Ivame kuthathwe isikhashana, kodwa ezinye angabuyisela izikweletu phakathi neminyaka eyishumi. Inani ubuncane ruble 150 000, futhi esiphezulu akugcini. Enye plus - esimweni eside imoto ukubolekisa musa ngisho kudingeka ukwenza inkokhelo yokuqala. Kuyinto elula kakhulu. Kodwa inzalo emalini ebolekwe eside lingaphezulu - hhayi 12-15%, futhi 15-20% ngonyaka. Uma, ukwenza isibonelo, umuntu Wawuthatha ruble 10 million iminyaka engu-10, umphumela ngokweqile yakhe (in the case of 20%) 2 000 000.

amadokhumenti

Kukhona iqoqo esezingeni amaphepha Udinga ukunikela lapho wenza isicelo sokubolekwayo eside (kanye loans). Kuye nezidingo uhlu ebhange othile kwemibhalo zingahluka. Kodwa nakanjani kudingeka isicelo, lwentiwe iphathini ezimisiwe iphrofayli obolekayo, original kanye nekhophi yephepha lesayizi ka passport kanye nobufakazi engenayo. Ngokuvamile, isikhathi ofuna ukukhipha, izinyanga ezisukela 3 kuya eminyakeni 2.

Okuningi kuyodingeka benze ikhophi yaleli bhuku umsebenzi, eqinisekisiwe emsebenzini. Amadoda kudingeka ukuthi unikeze kamazisi yasebusosheni. Uma kukhona izincwadi zokushayela, khona-ke kuyodingeka (njengoba ubufakazi ungubani yesibili).

Ngokuvamile, isicelo kubhekwa esikhathini esingaphansi kwesonto. Kodwa uma yonke imibhalo ijwayelekile futhi iklayenti iyahlangabezana nezidingo, angavumela ngaphambili.

yokutjala

Uma udinga loan eside ukuze ibe inhlangano engokomthetho, kwakungeke kudingeke unikeze yakho ukuhlaziywa utshalomali phrojekthi. Abasebenzi ebhange, ujwayele ke, kudingeka siqonde - into ucelwa ukunika i-credit, musa ukuletha inzuzo futhi ukukhokhela izindleko. Le phrojekthi kumelwe sibonise inani layo esiphezulu kanye nekghono.

Lowo Mbhalo wangonyaka we kumele iqukathe imibono ukuhlolwa zomklamo ezimakethe, izindleko izilinganiso, schedule. Kudingeka nokuba ucacise nenzuzo kanye inkathi ngqo okuyiwona izindleko, kube khona ukwenanana. Isidingo nokuhlaziya kwemvelo (the harmlessness yephrojekthi emvelweni), futhi bokuthi lo muntu obolekayo bazokwazi ukufeza amacebo ayo.

Ibhange kumele baqonde - loan kuyodingeka a support okuhle, utshalomali kuyovuzwa ngokushesha ngokwanele, ingozi kuyabongeka lokho, kodwa liveza umqondo kungokwasekuqaleni. Uma zonke izimo, umuntu wezomthetho uzonikezwa loan.

Ukubolekwa kwemali isikhathi esifushane

Kafushane kufanele akutshele mayelana loans okuyiwona izinkokhelo banikwa okuningi ngokushesha kuka kunjalo mortgage efanayo. Yesikhathi eside futhi short-term ukubolekisa ngokulinganayo funa. Ngaphandle ukuthi uhlobo loan yesibili udonsa inombolo olukhudlwana zabantu.

Futhi - loan umthengi. Take it ukuxazulula okuthiwa izinkinga "yasekhaya". Lapho ukuthenga indawo sintula impela kancane, noma udinga bazilungisele umshini, ukuthenga izimpahla, njll Umthengi credit sipho utholakala cishe kuwo wonke amabhange. Kodwa kungcono ukusebenzisa kuHulumeni, njengoba kukhona izimo okufaneleka kakhulu kunokunye. Inike kuya eminyakeni emihlanu, kanye nenzalo, kwamukeleka (isilinganiso 12-14% ngonyaka). Uma uphatha ukuthola yisiboniso, kungenzeka ukuba wehlise izinga. Inani eliphezulu - ruble ayizigidi ezingu 3. Kodwa yimalini ukulungele ukuthatha ibhange ozonquma ukuba abahlaziyi zezimali emva ukubuyekeza eningiliziwe isitatimende engenayo, ubukhulu, njll Uma umuntu, isibonelo, uthola 60 TR ngenyanga, 1.3 sesigidi sama-ruble iminyaka 5, uyokwazi ukunikeza.

microloan

Leyo yinto yokugcina engifuna ukukusho. okungekuhle Iningi abolekise kukho, kodwa ngezinye izikhathi kuphela uyakwazi ukusiza. kuphela passport kuyadingeka ukuze uthole microloan. Ubudala akunandaba uma nje kwaba 18. Imali okunikeziwe encane - 15, 20, 35 tr Ngezinye izikhathi ezingaphezu, kuncike kule mibandela ezinikezwa yinhlangano. Kodwa iphesenti elikhulu - kusuka 0.75% kuya ku-3% ngosuku. Yiqiniso, ukuthatha isizumbulu inyanga yonke, ungakwazi splurge. Kodwa njengoba esiphuthumayo kukho okuhle. Ngokwesibonelo, ukukhokhela kwezinsuku ezimbalwa, ungathathi umuntu, nesiqandisi lapho sekuyisikhathi eside umuntu kwadingeka ngeso lakhe, ithengiswe ngokungazelelwe 50% isaphulelo. Kulokhu, imali ngempela - ezimbalwa ikhokhwe njengoba amaphesenti inhlangano microfinance akuyona "hits" elinamandla wesikhwama, lapho ucabangela ukuthi yimalini le sberog umboleki at isaphulelo.