Ukubolekisa Bank: izinhlobo kanye nemibandela

Okwamanje, ukubolekisa yasebhange baba umthombo ezivamile kwezimali zigqila ezinkulu kokubili labantu kanye namabhizinisi. Ngokuvamile umuntu engaqaliwe kunzima ukubhekana ne ezihlukahlukene credit izipesheli nemibandela credit.

Bank credit - ukudluliselwa umuntu sesikweletu noma inhlangano izimali ku imali ngesisekelo ne isimo wokubuyela kwabo ngemva kwenkathi ethile yesikhathi.

Izinhlobo loans yasebhange

Kwezomnotho, akukho ukuhlukana olulodwa imali ezithile zezinto eziphilayo yayo. Okuvame kakhulu izimpawu ezilandelayo ngezigaba:

• abolekise inhlangano (abantu zemvelo, izinhlangano ezingokomthetho);
• eside (esifushane, esilingene, yesikhathi eside, isidingo);
• aphoyintimenti (umthengi, ukubolekisa auto, ukutshala imali, indlu, kwezohwebo, izimboni, ezolimo);
• kungakhathaliseki ukuthi ziphephile (kuvikelwe, okungaphephile);
• usayizi (amancane, aphakathi nendawo, ende i);
• inqubo buyiselo (ukuhlengwa imali ewu ukuhlengwa ngu schedule);
• uhlobo zenzalo (fixed-rate, izinga elintantayo).

Okwamanje, imali ebolekiswayo ebhange, ohlelweni Banking eRussia ziyashintsha: ezandayo credit izipesheli nemibandela zabo ekubeni wehlukile.

Kamuva esihlokweni sicabanga ngokuningiliziwe ezivamile yasebhange imali ukubolekisa ngabanye kanye nemingcele efanele izinhlelo loan.

ukubolekisa umthengi

Umthengi - kuyinto loans yasebhange izidingo eziphuthumayo, oshumayela ungachitha iyiphi injongo ngokubona kwayo. Umthengi credit kungaba ukhetho best uma isamba edingekayo naphakathi, futhi ijubane futhi kalula ukuthola imali ibaluleke kakhulu. Ngokukhethekile, ungathola ebolekiswe ku- ibhange ikhadi akhawunti noma imali. Inkokhelo kungenzeka by cash, ATM ne-inthanethi. Ungakwazi ukukhokha nge-credit ikhadi lesikweletu, ngokheshi noma ngokudluliswa kusukela akhawunti.

Imigomo nemibandela:

• Mortgage yokuboleka le mali: inani eliphansi uyahluka 15-50 izinkulungwane, esiphezulu - kusukela 500 ayizinkulungwane 3 million. Ukuze amakhasimende lihle credit umlando kanye nenani kwabasebenzi amaklayenti zingandiswa.
• Isilinganiso senzalo incike nemingcele eziningana futhi ukusabalala esikhulu amabhange ezahlukene.
• Ithemu: ngokuvamile ekhishwe isikhathi kuze iminyaka 5 kodwa singase siwathole ngoba izigaba ezithile ababoleka noma ezibizayo eyisibambiso. Ngokwesibonelo, ibhange umthengi Sberbank loan inikeza kufika eminyakeni engu-20 nge ingcebo izibambiso.
• Kuyadingeka: kungenzeka mortgage, isiqinisekiso ngabanye noma izinhlangano ezingokomthetho, elikhiphe okungaphephile.
• isikhathi luhlolo: kusukela imizuzu engu-30 kuya ezinsukwini ezimbalwa.

izinzuzo:

• Iphakheji encane kwemibhalo.
• Lula inqubo ukuze kuhlolwe isicelo semalimboleko.
• Isinqumo iDemo term lokunika.
• Ukulawula umgomo wokuchitha imali.
• Kungenzeka ukuthola imali esandleni.

nemibi:

• Eziphezulu zenzalo yokuzigcina loan.
• Okuphansi umkhawulo wesikweletu imali.
• Small loan usuku lokuphelelwa isikhathi, futhi, ngenxa yalokho, inkokhelo enkulu ngenyanga.
• Ubuningi beminyaka ka umboleki ingaphansi kunamanye sokubolekwayo.

amakhadi esikweletu

Imigomo nemibandela:

• isamba semalimboleko: Inani eliphelele credit card ngokuvamile liphansi, e-ruble ayizigidi 100-700.
• Isilinganiso senzalo: eliphakeme labantwana bonke ukubolekisa, ezisukela 17,9% kuya 79% ngonyaka.
• Ithemu: iminyaka engu-3
• Security: kungadingeki.
• luhlolo isikhathi: kusukela imizuzu embalwa usuku 1.
• Isikhathi: izinsuku 50-56, phakathi kwesikhathi lapho yini izithelo inzalo ekuvuthweni empilweni.
• ikhomishini engeziwe: Ikhomishini ngokuvamile inikeza imali kanye nekhadi ukwesekwa. Ngokwesibonelo, ikhadi lasebhange, "Ekhaya Credit" "Map nokusetshenziswa" kubiza ruble 990 ngonyaka, futhi ikhadi "ukuthenga Iwusizo" - mahhala.

izinzuzo:

• Ukuba khona isikhathi somusa.
• kusebentisana Simple isicelo.
• imigomo Okungenani ukucabangela.
• Okuncane setha kwemibhalo.
• Akukho ukulawula bachitha imali.
• Kungenzeka ukuthola ehambisa noma imeyili.

nemibi:

• High zenzalo.
• izinhlawulo High yokukhokha sekwedlule isikhathi.
• IKhomishana yokuThuthukiswa ukhipha imali kusuka i-ATM.
• Okuphansi loan lemali.
• Imali yonyaka wokugcinwa ikhadi.

ukubolekisa auto

Izimoto babé esiphuthumayo, kodwa hhayi ngemali njalo ngokwanele ukuthenga ezinjalo. ukubolekisa Bank for ukuthengwa kwezimoto ukubizwa ngokuthi ukubolekisa imoto.

Imigomo nemibandela:

• usayizi yokuboleka le mali: lemali ruble ayizigidi ezingu 1-5.
• Isilinganiso senzalo: 10% ngonyaka omusha kanye 20% ngonyaka izimoto esetshenziswa.
• Credit elithi: kufika eminyakeni 5, isikhathi kungenziwa kukhuphuke ngo semali.
• Collateral: Imoto ethengelwe.
• isikhathi luhlolo: kusukela imizuzu engu-30 kuya ezinsukwini ezimbalwa.
• inkokhelo Down: ngokuvamile 10-25%, kodwa ezinye amabhange ukunikela izinhlelo futhi akukho phansi lokukhokha.

izinzuzo:

• Izinga eliphansi ku loan.
• Isamba mkhulu kunezinhliziyo umthengi credit.
• imigomo iDemo isicelo.

nemibi:

• Iphakheji kwemibhalo ezingaphezu kuka sokubolekwayo umthengi.
• Small loan eside futhi, ngenxa yalokho, inkokhelo enkulu ngenyanga.
• Isidingo sokuzuza.
• Ukulawula bachitha imali abayithole.

mortgage loans

Imakethe ingcebo ngenkuthalo ezikhulayo, abantu bavame ukuthenga zokuhlala nokwakha izindlu. Njengoba ingxenye enkulu yomsebenzi zigqila kwempahla kwenzeka iqhaza amabhange. salokhu nje, futhi kuba loan mortgage - loan ukuthenga ingcebo.

Imigomo nemibandela:

• Mortgage yokuboleka le mali: mortgage lemali kuhluka ayizinkulungwane 100-300 ukuba ama-ruble ayizigidi 500, ezingu-15.
• Isilinganiso senzalo: Kuye uhlelo abolekise kusukela 10.5% kuya 25% ngonyaka. Phakathi zonke izinhlobo abolekise amanani izinhlelo mortgage kuyinto ephansi.
• Ithemu: emabhange ezahlukene kuhluka iminyaka engu-15 kuya ku-30.
• Collateral: yisibambiso izindlu abalufundile noma ekhona.
• inkokhelo Down: kusukela 10-25% yezindleko izindlu.
• isikhathi luhlolo: kusukela ngesonto inyanga.

izinzuzo:

• Amandla ukuklama eningi.
• Elikhulu loan eside.
• Okuphansi zenzalo
• Ithuba ukuheha co-ababoleka.

nemibi:

• Imibhalo volumetric.
• ukucabangela eside isicelo.
• ukudluliselwa kuyadingeka ingcebo.
• Ukulawula ukusetshenziswa okubhekiswe kwezimali.

credit nemingcele

Ngaphambi kokuthi ukhethe uhlobo oluthile loan futhi uhlelo loan, kubalulekile ukuhlola kungaba inzuzo, futhi sihlaziye imingcele yayo esemqoka:

• Isilinganiso senzalo.
• inqubo ukuhlengwa.
• Ukubuka isheduli buyiselo.
• Isisekelo sokubala kwezinhloso zenzuzo.
• ikhomishini engeziwe.
• izindleko ezihlobene.

lenzalo

Ukusabalala zenzalo kuyinto ngempela lubonakale ku izinhlelo ezahlukene uboleka ngisho ibhange efanayo. Inzalo emalini ebolekwe ebhange kuxhomeke ezicini eziningi, ebaluleke kunayoyonke zazo yilezi ezilandelayo:

• ikhasimende ukwethembeka. Credit izikhungo uncamela amaklayenti asuke ebenzela wona ngezithukuthuku impesheni noma oholelwayo, kanye ababoleka ngomlando ezinhle credit. Ukuze lezi zigaba isicelo njalo unikele oyithandayo zenzalo.
• Isikhathi kanye nenani. Bank advantageously ukunikeza esiningi, Nokho incipha nge okwandisa inani isithakazelo. Futhi okuphambene nalokho - isikhathi eside isikhathi, ayanda izinga. On izigwebo ezinde amazinga ziphakeme ngezikhathi ngemaphesenti abafinyelela kwabahlanu.
• processing speed. ukubolekisa Express nge uhlu ubuncane kwemibhalo Uyi ingozi enkulu ngoba ebhange, ngakho ukubolekisa ezinjalo ngezinye izikhathi eqolo ngaphezu kwanoma 2-emhlanjini.
• Lwela. Ngu zokweboleka target (isib mortgage noma autocredits) Izinga njalo aphansi. Ngisho ngaphakathi ukubolekisa umthengi ziqondiswa izinhlelo nge okukhethekile zenzalo (isibonelo, kwi ukuthuthukiswa kwezolimo yangasese).
• Ukutholakala umshwalense. Ukuba khona umshuwalense wokuphila noma ukulahlekelwa umsebenzi kungasiza ukwehlisa izinga ngumuntu amaphuzu ambalwa.

Izinhlobo buyiselo amasheduli

izindlela ezimbili uyayidiliza elisetshenziswa kwakhiwa buyiselo amasheduli: annuity futhi umahluko.

Uma igrafu lihlukaniswe amanani alinganayo phakathi naso sonke isikhathi, ngakho-annuity. Lokhu uhlobo isheduli manje ezisetshenziswa kakhulu amabhange. inkokhelo yanyanga zonke igrafu enjalo siqukethe isamba ekuphumeni oyinhloko isithakazelo, futhi ngenxa yalokho, akukhona umthwalo ngakho ngoba lo muntu obolekayo, njengoba umehluko.

Esikhathini lwezikhathi umahluko lemali oyinhloko sehlukaniswe amanani alinganayo phakathi naso sonke isikhathi, kanye nenani isithakazelo incipha ngokuhamba kwesikhathi. Ekuqaleni izinkokhelo inkontileka nale ndlela ukudiliza ngenhla, kodwa ngokoMthetho ngokweqile Imininingwane kuba nenzuzo. Inani isithakazelo lwezikhathi umahluko phakathi naso sonke isikhathi ingaphansi kwe e-annuity lapho lemali omkhulu phindisela kuqala ngesilinganiso esincane, kanye nokukhokhwa ugxile kakhulu isithakazelo.

Isisekelo isithakazelo

Ngokwe-Regulation of the Central Bank of Russia inzalo emalini ebolekwe ebhange inqwabelene ngokwemali esele eyibhalansi, kodwa abanye ababolekisi ukhombe esikhathini izivumelwano boleko ngesisekelo ngentshisekelo izinkokhelo isamba sokuqala ikhishwe.

Indlela yokuqala, ngokwemvelo, ziwusizo obolekayo, kusukela inani isithakazelo uzokwehla nge oyinhloko ngamunye ukukhula.

Ngo samuntu yesibili, isithakazelo ngeke kushintshe phakathi nawo wonke ukuvuthwa, njengoba kubalwa kusukela isamba sokuqala wesikweletu.

amashaji angeziwe

Ngo inqubo yokukhokha loan kungase kwembule ukuba khona izimali ezengeziwe, ogama khona kungcono ukucacisa ngaphambi kokungena nesivumelwano sokubolekwa.

Amabhange ukunikeza ikhomishini ezihlukahlukene ezihlobene kokubili mortgage noma isicelo semalimboleko, futhi isevisi yayo kanye ukubuyiswa kwemali.

izindleko elikulesi sihloko

izindleko ezihlobene ezingavela emazingeni ahlukahlukeneko wendlela ukuthola futhi buyiselo imalimboleko. Phakathi Ukubuyekeza kanye nokubhaliswa credit izindleko ezifana ngokuvamile uhlanganiswa izibambiso. Ngokwesibonelo, mortgages labetibambile ukubhaliswa isimo, okuyiwona kumelwe ukhokhe imali isimo. Lapho izimoto no afunge ku amaphoyisa omgwaqo avalelwe imisebenzi yokubhalisa futhi kuncike ukuqothula komsebenzi. Ezinye amabhange ukunikeza ikhomishini ukucabangela esiphuthumayo isicelo credit noma nokuhlola izibambiso. Lezi zindleko Yiqiniso, esakhokhwa umamukeli loan.

Omunye izinto ezibizayo kakhulu izindleko ezihlobene angabhekwa umshwalense: siqu, impahla, Hull, ukulahlekelwa umsebenzi nokuningi. Umshwalense, njengoba umthetho, kubalulekile ukuvuselela njalo ngonyaka.

Naphezu kweqiniso lokuthi umnotho waseRussia uyahamba bebhekana nobunzima obuthile, amabhange kanye imali ebolekiswayo ebhange wahlala ziphoqa labantu. Credit izikhungo anikele ezihlukahlukene izinhlelo loan, futhi eqonda imigomo nemibandela kungaba nenzuzo ukuzisebenzisa.