Apho buyanceda ukuthatha ngetyala iimfuno kubathengi? Imiqathango best yomboleki yeentengo zemboleko

mboleko Consumer ngoku iyafumaneka phantse wonke. Injongo kubaboleki ingqalelo kukhethwe program ngokupheleleyo. Iibhanki banikezela ngeemali-mboleko kunye neemeko ezahlukeneyo. Apho buyanceda ukuthatha ngetyala iimfuno zabathengi, kuya kuxoxwa ngazo kwinqaku.

Indlela ukukhetha ibhanki?

Ukuze ufumane i-mboleko kakhulu iimfuno zomsebenzisi, kufuneka bawuqhele izindululo yeebhanki ezahlukeneyo. Xa isicelo kufuneka ukuba uhlawule ingqalelo bid. Kuxhomekeke kubungakanani egqithisileyo. I esezantsi ipesenti, abathengi abaninzi banomdla kwinkqubo enjalo.

Kodwa ukuze zinike imali ngumboleki kwenzala ephantsi, ibhanki kufuneka uqinisekise i mboleki. Kungumngcipheko ukuba umbolekisi, ke ngoko, ukuba abathengi ukubeka phambili iimfuno engqongqo. Ngokuqhelekileyo abantu ukuqokelela ulwazi kwingeniso nesikhundla. Kwakhona kufuneka imbali entle ngetyala. Umba wokugqibela ubalulekile ekuvavanyeni ukuthembeka: ahlalutye lobudlelwane zemali neebhanki kunye MFIs, uze emva koko kuthatyathwe isigqibo.

Iibhanki ezinika mboleko kunye nembali ngetyala, maxa wambi ukwenza umnyinyiva for kubaboleki rhoqo ingeniso singabanga Ukunqanda umngcipheko non-intlawulo. Consumer mboleko kunye nomyinge ophantsi wenani abasebenzisi kudla wacela ukuba akhuphe amakhadi payroll. Kufuneka unikeze i yokundwendwela.

Ezinye abathengi ukuba ushiye isicelo kweso siza. Esi sigqibo ngokukhawuleza ngaphezu kwi-ofisi, kunye namaxwebhu ayimfuneko inganikezelwa emva filing. Xa ukhetha i ibhanki kufuneka sinikele ingqalelo ubukho bamasebe kwingingqi ye-mboleko. inkonzo mboleko Ngenxa iiclamps lula njengendlela ukususa uze ubeke ethubeni ngokukhawuleza ngaphandle ikhomishini.

Xa ukhetha i ibhanki kufuneka ithathele nokulibaziseka ingqalelo ekufumaneni imvumelwano. Kufuneka kubekho ithuba intlawulo yokuqala ngaphandle izohlwayo. iinkcukacha ezinjalo kucacisiwe kwisivumelwano. Uxwebhu kwakhona kubonisiwe izohlwayo sokulibala. Ukwenzela ukuphepha iingxaki kunye nentlawulo-mboleko, kufuneka unikele ingqalelo zonke bokuqonda.

"Alfa-Bank"

Apho buyanceda ukuthatha ngetyala iimfuno kubathengi? imiqathango efanelekileyo zibonelelwa kwi "Alfa-Bank", esingaba terminal womnatha olubanzi ukutsala kubaboleki iiseti. Ibhalwe mboleko intanethi malunga 15 imizuzu nesiqingatha seyure emva baya kwazi isisombululo.

"Alfa-Bank" uyasebenza kule miqathango ilandelayo:

• 50-250 amawaka engange - ukususela 15,99 .;
• amawaka 250-700 - ukususela 14,99 .;
• Ngaphezu kwama-700 lamawaka -. Ukusuka 13,99.

Ubuninzi ezifumanekayo engange zigidi ezi-2. Thatha imali ungakwazi ngomhla kwekhontrakthi. Ikhomishini kunye akukho siqinisekiso. Ukuchongwa uxwebhu olongezelelweyo. Kukho amathuba intlawulo yokuqala ngaphandle kwemali-mboleko nezohlwayo.

Ibhanki "East"

Ukuze siphendule lo mbuzo, yintoni na le mboleko yabathengi inzuzo, kufuneka ukuba uyazi inikeza imibutho eliqela. Ibhanki "East" inikeza mboleko ngomlinganiselo imvume-15%. Isicelo siqwalaselwe ukuba imizuzu eli-15. Kulula ukufumana ngetyala kwisixa amawaka 25-50. Engange, kodwa xa ufuna ulwazi olungaphezulu, kufuneka unikeze ukhuseleko ilifa lokwenene okanye izithuthi.

Ibhanki "East" inikeza mboleko ukuya ku-500 lamawaka. Engange ngesantya-18%. "Big Imali" - imveliso abo abafuni silibazise ukuthenga. Thina nje kufuneka ukunika ipasipoti ingxelo yengeniso. Ibhanki kufumana iikhredithi abadla umhlala-phantsi. Izicelo ukuba ushiye nge kwisiza, kwaye sigqibo siya kuthathwa ngosuku. Impendulo eyakhayo unika ilungelo lokuba ubhaliso-mboleko kunye ifunyenwe imali.

"Kucelwe Bank"

Lo mbutho unikezela imvume mboleko hayi kuphela kwivenkile yentsimbi. Isicelo kwi "Kucelwe Bank" ngetyala kwabathengi kubonelelwa ngalo Internet. Izinga Ubuncinane - 14.9%. imali ekhoyo kwi-750 lamawaka. engange.

Kuba abathengi ifumaneka isicelo mobile "Kucelwe Credit" ukulandelela eseleyo kwi-akhawunti, yenza iintlawulo, ukulawula ibali. Inokukunceda ukuhlala unolwazi malunga ezinjengeetheminali ezizayo kunye neeofisi. Ngabo ngokukhawuleza nangokulula makafake uthumele imali ngaphandle iifizi.

Isigqibo esithathwe kwimizuzu emi-2. Ikhutshwe lwamatyala omsebenzisi "Kucelwe Bank" iminyaka 1-5. Fumana zixhobo kuba ngemini yobhaliso. Ukugcwalisa ifomu kuthatha ngaphantsi kwemizuzu eli-10. Le lokuthenga ngaphandle guarantors. Xa kuthe intlawulo ngexesha kwixesha elizayo lawo asondezwayo iimeko zivuma.

"Sovcombank"

Le nkampani inika iimeko ezizodwa mboleko kubaboleki iminyaka engama-35. I 'Pension Plus "ikhutshwa umhlala ukuya ku-85. Le lokuthenga ngaphandle guarantors, akananto kunye nemibuzo. Qinisekisa ingeniso kunokuba nkam kunye nemivuzo.

Imfuneko kubaxhasi kulandelayo:

• ubumi Russian;
• yobudala eyi 20-85;
• amava iinyanga 4;
• ubhaliso kule ndawo yobhaliso.

Ungafumana phezulu mboleko ku 100 000 engange kwi-12% ngonyaka. Ukuba unayo isidanga, okanye ubolekayo bonendoda, kucetyiswa ukuba inkqubo "Kuba kwentlawulo plus". Ireyithi kwehle nge-5% xa avtoplatezhe kunye namakhadi lokuhlawula imali-mboleko.

Kukho inkqubo "Standard Plus", nto leyo ikhutshwe ngenxa 40-299 amawaka. Engange. Ipesenti uzimisele qho kuvumelekileyo ukuba kuncitshiswa yi-5%. Ukuba sidinga imali 'ukuze anikele ", kucetyiswa ukuba ngetyala wangoko nangoko" Express Plus ". Kulo yenzelwa phezu ubhaliso yokundwendwela-mboleko kwi amawaka 5-40. Engange.

"VTB Bank of eMoscow"

Consumer mboleko evela "Bank of eMoscow" ezinikwe abasebenzi bakarhulumente kunye nezinye kubaboleki ukusuka kwi 14.9% rate. A esiphezulu yemali - 3 million engange. Le nkonzo ye-inshorensi yobomi ngokuzithandela.

Abaxhasi bayakwazi ukukhetha umhla wentlawulo, kwakunye ukuseka iiholide ngetyala - luhlehliswe ngaphandle umdla norhwaphilizo amabali. Mboleko ziyafumaneka ukuya kwiminyaka-5 kwaye ke mali ka-100 lamawaka. Engange. Ungenza isicelo online, isigqibo lokuqala liya kuba imizuzu eli-15. mboleko Consumer ukusuka 'Bank of eMoscow "ikhutshwa kwi-ofisi kubonelelo amaxwebhu.

"Renaissance Credit"

Ungaqhagamshelana arhente ukuba uyazibuza apho buyanceda ukuthatha ngetyala iimfuno zabathengi. Bank "Renaissance Credit" kuthetha Iziphumo-15.9%. Ukuba amalungiselelo ifomu yesicelo online, isigqibo uya kuza emva kwemizuzu eli-10. Kodwa wena ungaqhagamshelana ne-ofisi.

Ungathatha ukuya ku 500 thous. Engange. Ngaphandle mboleko iminyaka 2-5. Ngokuba abadla umhlala-phantsi kunye nabathengi rhoqo ezizodwa ukunikelwa ngamazinga eliphantsi kunye namaxwebhu kuncinane. Ke ezinye kubaboleki kufuneka ulungiselele ubungqina bengeniso. Ukuba ngokukhawuleza ufuna imali, kucetywa ukuba akhuphe amboleke 19.9% kwi-amawaka 30-100. Engange.

"UBRD"

Apho buyanceda ukuthatha ngetyala iimfuno kubathengi? Osezantsi izinga wanikela "UBRD" - 13%. Kwi sicelo kuyimfuneko ukubonisa data yokundwendwela. Le kuthathwe isigqibo malunga imizuzu eli-15. Ubuncinane yi-mali - amawaka 5 engange ..

Ukuba oyifunayo, bafumana mboleko engange ukuya kwizigidi 1, ungasebenzisa udibaniso i "Open" ngomlinganiselo-17%. Isicelo senziwa kwi yokundwendwela kunye ubungqina bengeniso. Abadla umhlala-phantsi wanikela imveliso "Pension", apho imali aya kukhutshwa kuphela nencwadana leyo yokundwendwela. A liphezulu lemali amawaka 600. Engange, ngelixa izinga yi-21%. Abagcinisa imali kunye nabathengi banikwa ukuya engange yezigidi-1 ngaphantsi 18,5-20,0%. iimeko zivuma ziquka abaxhasi yemivuzo.

"SKB Bank"

Eminhlanganweni, ezi nkqubo zilandelayo: "Kuba yonke into", "ngabanye", "ukuba". Ukuze ngokukhawuleza ukufumana ityala, kufuneka uthathe le program ithuba leminyaka emi-3. Ikhutshwe ukuba amawaka 299. Engange.

Kuba nokubhaliswa kwesivumelwano ayidingi isiqinisekiso yengeniso. Ukuba isibonelelo layo, lo mali kwandisa ku 1.3 yezigidi engange, kwaye xesha - ukuya kwiminyaka-5. Abasebenzisi amakhadi yemivuzo wosondeza ngereyithi eyi-15.9%, ixesha ngetyala ukuya kwiminyaka-5. Izibambiso kunye guarantors angafunekiyo.

"Raiffeisen Bank"

ibhanki ezinokuthenjwa linikeza mboleko kakuhle. Esiphezulu kuyinto 2 million. Umda sisebenza ukuba VIP-abaxhasi. Abanye ilungiselelwa kubaboleki kwi 14.9%.

Eli zinga liza kumiselwa bubukho ikhadi payroll. Intsebenziswano kunye ibhanki kunciphisa kwenzala. Kuba agents amaxabiso ukuya ku 1.5 million engange. Credit inikwa ngaphandle mali kunye guarantors. Isigqibo esithathwe iyure-1. Inkonzo ifumaneka nge-intanethi kwaye SMS-mali, nto leyo elula kakhulu.

"Citibank"

Bank inika inkqubo ngetyala kwisithuba seminyaka 1-5. Ababoleka ungenza isicelo 100 amawaka. Ukuya engange zigidi ezi-2. Ukuba uthathe imali-mboleko efikelela kwi-600 lamawaka. Engange, nencwadana leyo yokundwendwela.

Ukuba kukho amatyala nezinye iiBhanki ziya kucelwa yembali yakho yamatyala. Mboleko ukuze izityhwentywe zemali zinikwe ekubonelelweni inkcazelo kwiingxelo ingeniso kunye akhawunti esuka RPF.

Ukusilela inokuba ngenxa:

• umvuzo labayo;
• Imbali elibi kwicala lamatyala;
• bengenazo izibambiso kunye guarantors.

Nokuba kungaliwa zebhanki mnye, kufuneka isicelo enye, ngenxa yokuba iziko ngalinye ingqalelo imiqathango yalo. Ukongeza, isigqibo senziwa ngamnye. Kufuneka ukhethe isithembiso kunye amagama kakuhle. Kubalulekile ukufunda ngaphambi kokusayina, kuba kaninzi iqulethe iinkcukacha ezibalulekileyo malunga ezigqithisileyo. credit evumayo kuphela uya kuhlawula ngokukhawuleza ngaphandle kobuxhakaxhaka.