Iindleko ezipheleleyo mboleko - ntoni na? CMP yokubala ifomula

Lidla uceba ukuthatha-mboleko, sinikela ingqalelo iipowusta imibutho nokunika inkonzo enjalo. Kamnandi by evumayo umyinge wenzala, abaxhasi bayamangaliswa xa befunda indlela ngenxa yeendleko ezipheleleyo-mboleko.

Umlinganiselo wenzala - oku kanye oko olufumanayo xa wenze isivumelwano. Isixa-mali egqithisileyo futhi ivame kuquka iindleko wokubhala kunye amthume ezahlukeneyo. Ngoko ke into ayenzayo olusebenzayo wenzala? Yintoni na nendlela makambalele inani le egqithisileyo? Makhe zama ukulungisa lo mba.

Yintoni CMP?

Ngoko ke, yintoni na ixabiso lilonke -mboleko? Ingcaciso isixelela ukuba eli gama lushwankathela zonke iintlawulo kunokwenzeka kwaye iintlawulo zenyanga kwi-mboleko. Phantsi komthetho Russian, esi sixa kufuneka kuluhlu kwiphepha lokuqala sivumelwano semali-mboleko, okanye mandithi, kwikona ephezulu ngasekunene. Ulwazi kufuneka ivalwe ngefreym isikwere kunye ziprintwe ifonti likhulu enokusetyenziswa kule meko. Lo mbhalo kufuneka kungene ungabi ngaphantsi kwe-5% ubume wephepha. Ngoko ke, ukuba at wokutyikitywa kwesivumelwano ungabona amanani amakhulu livalelwe sikwere isakhelo omnyama - oku iindleko ezipheleleyo-mboleko. Ntoni na, ngamazwi alula ukuba kuchazwa ngale ndlela ilandelayo. Le yonke le mali ukuba uhlawula usebenzisa isiphelo xa wenza isivumelwano semali-mboleko a. Oku kuquka inzala, iikhomishini, imirhumo ngexesha elinye-, intlawulo amaqela wesithathu, njalo-njalo.

Apho wenza into enjalo?

Unobangela kuphela ingqiqo olunjalo luthathwe kakubi amaziko mali ngamnye. Bagqiba kwelokuba, bethembisa abathengi kwenzala umdla asezantsi, iibhanki ukuba 'akayilibalanga' ukuxelela ngazo zonke iindleko ezinxulumene, sithembele isivumelwano. Ukubakho intlawulo eyongezelelweyo kunokuba umgangatho wenzala njengoko ephantsi, ukuba oko kuya kuba nayiphi na ayinaxabiso kwaphela.

Icala elisezantsi abolekisa eso isiba umthengi akakwazi ukuzenza ukuhlola ikamva uze ubale bezimpi nokuhlawulwa kwamatyala. Kuphela kungenzeka kalusizi. Client bengakwazi ukuhlawula iimali ezinkulu ukubhenela ngokutsha lwetyala. Ngelo xesha nye ubunzima kunye nembali samatyala mboleki.

Kakade ke, vula yobuqhophololo nangoku ukufikelela - zonke iimeko kunye overpayment ekuhleni abhalwe kule mvumelwano. Kodwa asingabo bonke abemi babe nomgangatho ezaneleyo lemfundo, kangangokuba ngaphandle kokuncediswa igqwetha kunye ngezoqoqosho ukuqonda nezo yayo. Konke oku kuye kwakhokelela ekubeni ngo-2013 umthetho othi onke amaziko ezemali ukuzisa ukuze bakuthathele ingqalelo izikhombisi abathengi ezifana iindleko zizonke mboleko eyamkelwa nguRhulumente.

Yintoni na unethemba ukuqonda. Ngoku makhe sithethe apho ukufunda ukuze ubale njani ngokuzimeleyo lo mzobo.

Indlela ukwazi iindleko ezipheleleyo-mboleko?

Njengoko sele kukhankanyiwe, olo lwazi kufuneka zenziwe zifumaneke esidlangalaleni. Ungacela ngqo umphathi: "Yintoni na le ngempumelelo umyinge wenzala" Yintoni na yaye apho ungajonga, sele uyazi. Ngoko ungakhangela nje kwiphepha lokuqala kwekhontrakthi. Ukuba ngaba ubona inani elichanekileyo kwindawo elungileyo, kukho ithuba lokubonakalisa, yaye musa ukukufihla kuwe ukuba nantoni na. Thembeka IBhanki ukuyifihla loo mali UC. Oku kubonisa i "ntumbuluko" bubi, yaye kunika umfanekiso omhle leziko kwimalike zezimali.

Ukuze uqonde ukuba ukubala ukuba iindleko zizonke-mboleko, kufuneka ukwazi oko xa kubalwa yaye yintoni azithathelwa ngqalelo.

Yintoni ifakiwe CMP?

Asizizo zonke iimali ezihlawulwa ngumxhasi, esetyenziswa ekubaleni le yokwenene wenzala. Loan Calculator (wokubala luncedo kuwe) lungabandakanya parameters zilandelayo:

• frequency (periodicity) of ukuhlawula imali-mboleko;
• iintlawulo zeenkonzo zolawulo imali;
• ekuhlawuleni inzala;
• Intlawulo ngakwicala labantu 3 ogama iinkonzo ezifunekayo kunikezelo amboleke imali;
• Commission (ingqokelela) kuba ethe wasiqwalasela isicelo eso kwakunye nokukhutshwa ngetyala;
• iindleko nokukhutshwa ikhadi intlawulo okanye isixhobo sentlawulo elektroniki, isikhundla kwi ekuphelisweni kwesivumelwano;
• Imali lokuvula i-akhawunti yebhanki.

amaqela Okwesithathu, kulo mzekelo nga kuthathelwa ingqalelo:

• developers;
• Umvandlakanyi wayeyingcali;
• izivumelwano;
• umbutho-inshorensi;

Ekubeni isiphelo yesivumelwano semali-mboleko ixesha kwiminyaka embalwa Kunzima kakhulu ukuqikelela uya kuba yintoni na amazinga amaqela esithathu emva kwethuba, ekubaleni inani lilonke lezo mboleko zisetyenziswa ezikhoyo ngexesha kokusayina isivumelwano.

Ukuba ayikho?

Ukuba uyazi ukuba ayizizo zonke iimali ezinxulumene processing mboleko, kufuneka ithathelwe ingqalelo xa kubalwa i-UC. Ezi nketho zezi:

1. Iindleko azizange zifakwe kwi imigaqo-mboleko, kodwa imiqathango yomthetho.
2. Intlawulo fayini kunye nezohlwayo ukulungiselela iimeko ukusilela sivumelwano semali-mboleko.
3. Commission, ziyafumaneka kule mvumelwano kwaye ngokuxhomekeke ukuziphatha ye client.

Ukuya kwindawo yokugqibela ziquka oku kulandelayo:

• Isohlwayo uhlawule yokuqala mboleko.
• Imali zokurhoxisa imali kwi-ATM. Ezinye iibhanki imali kuphela ukuba atshintshele ikhadi debit. Ngelo xesha, ukuba uzama ukususa yonke loo mali okanye inxalenye yaso kwi "non-lweenkobe" ATM nawe uya kukugcina umndilili wepesenti olongezelelweyo.
• Imali yokubonelela ngolwazi malunga isixa ityala nge SMS okanye nge-imeyile.
• Intlawulo ikhomishini yokuqhutywa lwemisebenzi ngohlobo lwemali yahlukile apho ityala sikhutshwe. Umzekelo, ukuba ikhadi engange credit, kwaye benza ukuthenga evenkileni Japanese online.
• Ikhomishini ehlawuliswa yibhanki yoguqulo imali kwamanye amaziko ngetyala.
• Intlawulo kungenzeka ukuba gxotha transactions zebhanki (ikhadi ukuvimbela).

ifomula

An ukubala ngqo le index na umgaqo ayinakwenzeka; ngokuba konke oko kuxhomekeke ekubeni iimeko uyibolekiweyo ithotyelwe, phezulu ukuya nkcukacha zincinane. Bank of Russia ekubaleni i CMP lunikezelwa ifomula enzima ukuba nkqu umqeshwa ibhanki uyakwazi ukubala ngokuchanekileyo lonke ixesha lokuqala. Yintoni Singathini abemi abaqhelekileyo.

Kweli phepha, sicebisa ukuba kulula kakhulu (nakuba kunokuba rough) ukubala-mboleko. Calculator usafuna, kodwa ke ubalo oku kuthatha ixesha elininzi. Ngenxa yoko, ifomula: UC = TFR + Isahluko + P, apho:

• TFR - imali ngetyala (mboleko);
• Kh - ixabiso zonke neekhomishini njenge-off omnye ngamaxesha athile;
• P - izinga lenzala;
• UC - epheleleyo (total) iindleko-mboleko.

Yonke idatha kule formula ichazwa ngendlela ebonakalayo, kodwa kunokuba ngohlobo lwemali mboleko. Ubukhulu iyonke thumo ibalwa ngokudibanisa zonke izixa eyaziwa ngokuba ixesha ngokupheleleyo kwekhontrakthi. Ubungakanani lilonke intlawulo% rate anokufunyanwa kwishedyuli kweentlawulo. Kufuneka ukuba kubonelelwa yibhanki.

Umzekelo yokubala indleko zizonke yokuboleka

Makhe sijonge practical ukuba ukubala indlela iindleko zizonke mboleko. umzekelo:

• amboleke 320 y. e iminyaka emi-3 ngeqondo ka-16% ngonyaka .;
• ngokuba nokunikwa mboleko ikhomishini - 2%;
• Intlawulo iinkonzo zolawulo lwemali - 1.2%.

Okokuqala kufuneka ukuqinisekisa isixa umdla ezingundoqo, oko bunokubonwa sivumelwano semali-mboleko. Kwimeko yethu, intlawulo annuity indlela imali egqithisileyo iza kuba 85. e.

Sikholelwa ukuba ikhomishini kunikezelo 320 y. e. * 2% 6.4 = y. e.

Ngoku sifumanisa ukuba uninzi weKomishoni ngeenkonzo zolawulo lwemali: (.... 320 cu + 82 cu) * 1.2% = 4,86 ngo. e.

Emva kokuba zonke izibalo kusenokwenzeka ukuba ukujonga yonke imali-320 y. e. +85 y. e. + 6.4 y. e. + 4.86 ngo. e. = 416,26 apha. e.

Ngokubanzi, akukho esintsonkothileyo. Kakade ke, le nto sonke isixa ukuya penny, neya kukhutshwa ekubaleni ifomula oluntsonkothileyo, ecetywayo ngurhulumente. Kodwa umahluko nto ibaluleke kakhulu. Ungasebenzisa iintlobo zokubala mboleko, luninzi ibekwe kwi Internet zokubala yechaneke ngaphezulu.

Yintoni unika uhlahlelo olubonisa CMP?

Ulwazi ngokupheleleyo ixabiso le mboleko kwindawo yokuqala kukunika umbono ocacileyo lwesayizi yokwenene le egqithisileyo-mboleko kwi lokuvuthwa. Ngoko, xa kwenzala ebonakala ngokulinganayo, ungakhetha enye imveliso zebhanki, nto leyo eya kuba kubiza. Noko ke, asimele silibale ukuba yovavanyo CMP alizithathi eninzi zizathu - xa befundisa kungenzeka ukuba kungabi njengoko izibalo.

Ngokomzekelo, umntu unako ukufumana imali kwaye ndibhatale ngaphambi amboleke kwishedyuli. Kulo mzekelo, i egqithisileyo iya kuncitshiswa kakhulu. Kodwa hamba enye indlela. Ukulibaziseka ekuphumezeni amalungiselelo sivumelwano kungabangela izohlwayo ukuba amaxesha amaninzi kuya kwandisa inani le egqithisileyo. Ngoko ke, xa ukhetha imveliso bank akuthethi bathembele amaxabiso umda iindleko zizonke-mboleko, kufuneka uzame ukunikezela zonke iinketho.

ulawulo State zokuhlala

Omnye wemisebenzi ebalulekileyo ye-Central Bank kukuqwalasela amanye amaziko zemali. Injongo yale ujoliso - esweni ukuqinisekisa ukuba iibhanki musa kakubi impembelelo yabo inzala olunyuswe ngenzala. Kule nkalo, i-Central Bank qho ngekota eqokelela ulwazi oluyimfuneko kwaye ipapashe ixabiso lemarike umndilili CMP kwiintlobo ezahlukeneyo mboleko. Onke amaziko credit banyanzelekile ukuba bathathe ingqalelo ezi parameters. iimeko Bingelela phantsi apho ixabiso elipheleleyo le mboleko kune-avareji kwiimarike ngaphezulu kwe 1/3, iibhanki awavumelekanga.

PSK, yazisa ukuba iiBhanki ezingoovimba ezi-avareji ngokwenene. Ngapha koko, ukuba zibalwa ngokusekelwe yolwazi evela abatyalwayo ubuncinane 100 ezinkulu, okanye 1/3 amaziko mali yelizwe ngokubonelela nayiphi na imveliso mboleko ethile.