Consumer mboleko Imali kwangaloo mini ngaphandle akananto okanye guarantors

Akukho mntu uya athi ubomi mihla kufuna ngamanye amaxesha ukuba uthathe izigqibo ngokukhawuleza kakhulu okanye ngokungxamisekileyo ukuba kakhulu isixa esikhulu semali thina. Kwimeko iingxaki zemali, i uncedo athe wafika ekuthiwa-mboleko imali ngokukhawuleza. Namhlanje, iibhanki abaninzi ukuyibonelela le nkonzo ngomhla unyango ye client emva kokuba ugcwalise isicelo.

Ukusebenzisa le nkonzo kufuneka ube ngummi Russian Federation. Kuzo zonke iibhanki, kukho iimfuno ezahlukeneyo esiqinisekiso ubudala ngekamva umboleki. Ezinye iibhanki, ukuze ufumane imali cash nkqi kuyimfuneko ukuba umboleki sele eneminyaka engama-21 ubudala, yaye ezinye zinika le nkonzo ukuya kwiminyaka eli-18. Kwakhona ngandlel ezahlukeneyo, kwaye umda yobudala eliphezulu. It zokhahlamba ukusuka kwiminyaka engama-65 ukuya kuma-70. Ukuba ubudala bakho yeyela mida ubudala, unako ukubala kwi isigqibo entle mini. Ngoku kufuneka ucinge malunga amaxwebhu afunekayo ukuze bafumane loo mali-mboleko. Njengomgaqo, kufuneka ube nencwadana yokundwendwela ibe ngummi Russian Federation, ikhowudi ukuchongwa ubukho yezikhundla ethile kwindawo enye. Kwakhona, amaziko ezemali eyahlukeneyo ifuna isiqinisekiso ixesha eyahlukileyo yokusebenza rhoqo. Ngokuqhelekileyo, eli xesha isusela ukususela kwiinyanga ezi-3 ukuya ku-6. Emva kokuba onke amaxwebhu ayimfuneko uya kuba phezu kwezandla zakho, kufuneka uye ebhankini.

Practice ubonisa ukuba mboleko imali ngokukhawuleza ezi inkqubo zebhanki unzulu. Kakade ke, kwiimeko ezithile, uyilo lwabo kuthatha imizuzu eli-15 okanye engama-30. Umzekelo, oku kusebenza kwiimeko ugcwalisa apho umthengi ifomu yesicelo online kwi-mboleko intanethi. Kodwa ke, ukuba ngaba unembali akulunganga kangaka ngetyala, ngoko inkqubo yesicelo mboleko kungaba ngake some. Kodwa ukwenza lithemba ngenxa kwimbali yebhanki leyo. Yaziwa ngokubanzi ukuba nokuba ngaphambili kwimbali ngetyala, unako ukufumana imali-mboleko okanye amatyala. Ngokuqhelekileyo, kule meko, inkqubo kunikezelo asiyi kwenziwa imizuzu engama-30, yaye kakhulu elide. Kodwa nayiphi na imeko, apho kusoloko kukho ithuba. Ukuba mboleko akubangeli iimvakalelo ezintle, ngoko mhlawumbi kubalulekile ukucinga malunga nendlela ukufumana ikhadi lamatyala Tinkoff. Kukho nezinye iibhanki ukuba zinika inkonzo efanayo, kodwa ibhanki ihamba phambili kurhwebo ikhadi lamatyala.

Kodwa ke, ngokwenza imali-mboleko ekhawulezayo, kufuneka ube ukulungele ukuqinisekisa ukuba izinga lokusetyenziswa kwayo kuya kuba kakhulu phezulu. Ezinye iibhanki kweli zinga laqalisa imingcipheko zayo inshorensi i-inshorensi yetyala. Ngenxa yoko, ngokubonelela kuwe imali ebolekiweyo, ibhanki ukhuseleko ngokwaso yakho kunokwenzeka ezingezo-ukuhlawula imali-mboleko. Iibhanki Unganikezela ezahlukeneyo ongazikhetha lweentlawulo ophezulu belay. Okokuqala, kubekho intlawulo okokuqala amalungiselelo yale mali-mboleko. Kubhaliwe uhlawulwa kanye ukuba abuyiselwe yakhe. Okwesibini, kuba njengoko kuchaziwe apha ngasentla, kunokuba izinga lenzala kakhulu eliphezulu, apho kuya kwahluka kakhulu ukusuka irhafu nezinye kwiibhanki '. Kodwa apha simele siqonde ukuba eli zinga uya kuhlawula ukuba yongxamiseko. Kwaye, okwesithathu, kunokuba umrhumo ngenyanga, kuya kufuneka ukuba uhlawule ibhanki ukwenzela ukubonelela ngeenkonzo ukwenzela ulawulo ngetyala lakho. Kakade ke, akukho mfuneko ukuba ibhanki iya kusebenzisa onke ezintathu. Kodwa ngaphambi kokuba ukha mboleko imali kwangolo suku, funda ngenyameko yonke imigaqo nemiqathango, ezifumaneka kulo mba.

Kakade ke, kanye oko, ngaphandle nayiphi na intlawulo (nokuba kamva) ukufumana imali-mboleko imizuzu 30 cishe akunakwenzeka. Noko ke, ukuzilungisa ngayo, kunye nokuvuma kwiimeko ezithile Bank, ufumana imali ngokukhawuleza kakhulu imali ophucukileyo imali. Kodwa kanye into njengoko kuyimfuneko.