Indlela ukuthatha ngetyala ngaphandle engqesho esesikweni: uluhlu kweebhanki

ingqesho sesikweni yimivuzo endilisekileyo ngoku mntu uya kumangaliswa. Abaqeshi balapha ukuba ahlawule irhafu, kodwa abantu abalungileyo akufuni aphelelwe. Noko ke, iingcali abasebenza ngokungacwangciswanga, ufumane inani sikhala. Okokuqala, akunakwenzeka ukuba imali-mboleko kwiziko zemali eziphicothiweyo. Kodwa ukuboleka imali isekhona kunokwenzeka. Apho ukufumana imali-mboleko ngaphandle umsebenzi osesikweni? Uluhlu kweebhanki ithiwe thaca apha ngasezantsi.

Yintoni kufuneka uzilungiselele?

Fumana imvume mboleko kubantu abasebenza ngokungacwangciswanga, kunzima ngokwenene. Ukusebenzisana nabaxhamli babe ngababusi market (Sberbank, VTB 24, "Gazprombank" njalo njalo. D.). Kwiimeko ezininzi, ukuze ukuboleka imali, kufuneka unikeze amaxwebhu amathathu: incwadana yokundwendwela Russian, ikhowudi ukuchonga ingxelo yengeniso. Uxwebhu yokugqibela echaziweyo akusoloko efunekayo. Ngelo xesha, ukuba imali-mboleko senziwe imali encinci, umxhasi isicelo kufuneka ukhankanye inombolo yefoni yomsebenzi. Igosa mboleko abanokukufowunela ucacise ukuba uchaze inani labasebenzi.

Amanye amaziko zemali ukwenza ukuthatha ingozi. Kuyenzeka ukufumana imali-mboleko ngaphandle engqesho esesikweni guarantors. Uluhlu iibhanki ezifundisa le nkonzo, nangona encinane, kodwa umthengi has a ukhetho. Abo wagqiba kwelokuba ubhaliso yingisela, kuyimfuneko ukuba ukuthatha ingqalelo inani lamanqaku. Okokuqala, eli nani lenyuswa laya umdla irhafu. Financial iziko reinsured njalo. Okwesibini, simele siqonde ukuba isixa esikhulu ngaphandle ingeniso athathe ibhanki nakanjani.

"Promsvyazbank"

Iziko zemali owaziwayo elungileyo, yaye iyathandwa phakathi kwabantu. It inikeza iimeko ezithandwa kakhulu iindidi ezahlukeneyo zabemi. Ungafumana ngetyala ngaphandle engqesho esesikweni. Uluhlu iibhanki nokunika inkonzo enjalo, iqalisa "Promsvyazbank". Kuba abathengi kunye ingqesho esemthethweni banikwa mboleko kwi-16.9 ngamnye ngonyaka. Kodwa abo ukunika ingxelo yengeniso, ukuba kufundiswa isivumelwano kwi ngokwemiqathango ngaphantsi - nge-26.9% ngonyaka. Isixa besiphelelo boleka - amawaka 200 engange. Ubuninzi elithi mboleko - kwiminyaka emi-2.

Indlela ukuthatha ngetyala ngaphandle engqesho esesikweni? Uluhlu kweebhanki "Promsvyazbank" iqala hayi ngengozi. On amagama abanyanisekileyo ancedwe apha kwabo ngabathengi abaye ngaphambili asebenza kunye namaziko ezemali, owayila izivumelwano imali.

"Renaissance Credit"

apho enye ungafumana ngetyala ngaphandle engqesho esesikweni? Uluhlu iibhanki baqhubeka kwiziko lemali "Renaissance Credit". Inikezela ngelona ezahlukeneyo iimeko ngabanye. Unako ukuthatha elipheleleyo ukuya ku-700 lamawaka engange. Ubhejo Ubuncinane kwi-mali efanayo 13.9% ngonyaka. Noko ke, iimeko ezinjalo ziyafumaneka ukuze abathengi ukuba ukunika iphakheji epheleleyo yamaxwebhu. Ukongeza, kuba imali engaphezulu wamawaka 200 engange ekufuneka isibambiso.

Ziziphi iimeko eziya kuba abo abe umsebenzi osesikweni? Loo abaxhasi Bank "Renaissance Credit" inikeza nemali engekho ngaphezulu kwe-200 lamawaka engange kwi 19.9% ngonyaka. Igama elithi mboleko eliphezulu kulo mzekelo - iinyanga 45. Egqithisileyo yi treaty liya kuba phezulu ngokwenene. Loo deal iza kuba yingenelo kwabo bafuna imali apha kwaye ngoku. Ukuba uhlawula off ityala kwisithuba kwiinyanga ezimbalwa, ilahleko zemali ziyakungahoywa.

"Moscow Credit Bank"

Eli ziko-mali kufuneka sinikele ingqalelo abo abanomdla umbuzo apho ukuthatha ngetyala ngaphandle engqesho esesikweni. Uluhlu kweebhanki iye yandiswa hayi ngengozi. Kuba abantu amalungiselelo ukusebenza ngokungacwangciswanga, oko kuqwalaselwa mboleko injongo ngaphandle izibambiso. Kulo mzekelo, Irhafu elincinci - ukusuka 22,5% ngonyaka. Phambi kokuba ukufumana imali-mboleko, umthengi kuya kufuneka ugcwalise isicelo kwi ebhankini. Apha kuyimfuneko ukukhankanya ukongezelela iinkcukacha yokundwendwela lo, idatha kwi ngokusebenza, amanani ezininzi zefowuni (iselula ndlini).

Kuba umthengi mboleko isicelo kwakhona ngexesha lenene. Isigqibo malunga kokugqitywa wentengiselwano iziko zemali kuthatha iintsuku eziliqela, yaye emva koko azisa client. Intuthuzelo kwinto yokuba i-mboleko zingafumaneka kwi ikhadi yeplastiki. Ukuba umxhasi ukwenza iintlawulo kwangethuba, iziko zemali ucinga kusehlisa izinga okanye ukunyusa kumda.

"Mast Bank"

Enye amaziko zemali ezimbalwa zifundisa ukuba akhuphe iimeko isivumelwano semali-mboleko, abantu abanyanisekileyo abangazange bafumane umsebenzi ngokusesikweni. Nokufika yeengxaki zemali, iindleko ukuboleka liye landa kakhulu. Noko ke, "Mast Bank" yaqhubeka ukunika imali phantsi kweemeko abanyanisekileyo. Namhlanje, kungathatha ukuya ku-950 lamawaka engange kwi 26.4% ngonyaka. Igama elithi mboleko eliphezulu kulo mzekelo - iinyanga ezingama-24.

amaziko ezemali, iingcali ngokuchanekileyo ukuhlola iingozi ungalinikeli imali bonke kunye neminye imirhumo. Ukuze ufumane isixa esifunekayo, kufuneka unyaniseke ngokungathi ebhankini. Kuyimfuneko ukuba ukubonisa ngokuchanekileyo kwinqanaba zengeniso zabo, kwanokuba oko akukho esemthethweni. Kaloku, ukuba le nkcazelo ukuze bakwazi ukuqinisekisa umqeshi.

"Mast Bank" inikezela iimeko ezithandwa kakhulu iidipozithi. Ukuba isigulane idipozithi kwi ebhankini, amathuba okufumana ngetyala ukuba iimeko abathembekileyo ulwando. Akukhathaliseki njani client baqeshwe.

"Bank of eMoscow"

Njani yaye phi ukufumana imali-mboleko ngaphandle umsebenzi osesikweni? Uluhlu yeebhanki e Moscow ngokuyimfuneko kuquka iziko lemali. Wonke ummi Russian unalo ithuba lokuba athathe imali ezinkozo kwiimeko abanyanisekileyo. Umlinganiselo abathengi akhoyo - nge-13.9%. Nangona kunjalo, iinzuzo ezo musa ukubala abo wabhenela ibhanki okokuqala. Abantu abasebenza ngokungacwangciswanga, amkele ukuya ku 150 amawaka engange iinyanga-36 kwi-23.5% ngonyaka. Kwangaxeshanye, kungona ingeniso, kokukhona ukuba iziko mali uya sizivume isicelo semali-mboleko.

iimeko Good kwi mboleko uyakwazi ukufumana ngoosomashishini ngamnye. Ukuze ufumane ngaphezulu kwe-150 lamawaka engange, kuya kufuneka ukuba, ukongeza yokundwendwela, ubungqina ubhaliso kule nkampani.

Isicelo ukusebenza mboleko kunokwenzeka ngexesha lenene. Ukuze wenze oku, vele uye kwicandelo elifanelekileyo le website esemthethweni ebhankini kunye nokubonelela zonke iinkcukacha eziyimfuneko. Isigqibo ukunikezela mboleko iya kwenziwa zingadlulanga iintsuku zomsebenzi ezimbalwa.

"Kucelwe Bank"

iziko Financial ezisebenza kwimarike eboleka ixesha elide, apha ndawonye amawaka-umdla isiseko sabathengi. Abo musa ukuba yeyiphi ibhanki ukuthatha ngetyala ngaphandle engqesho esesikweni, uluhlu yeebhanki kufuneka ifundwe kwangaphambili. Kufuneka ukuba ufake isicelo kumaziko ezininzi zemali, kwaye omnye wabo uya kuba "Kucelwe Bank."

Le nkampani inika iinkqubo mboleko eziliqela. Apha uyakwazi ukuthenga kwi imoto ngetyala okanye impahla. Noko ke, loo iintengiselwano abasafuna imisebenzi esesikweni. Yaye abo basebenza ngaphandle yobhaliso, uyakwazi ukuboleka ukuya ku amawaka 200 engange. Izinga iya kuxhomekeka ixesha kunye nemali ebolekiweyo. Ukuba umxhasi ufuna ukuthatha ngaphantsi kwe-75 amawaka engange, isigqibo yikomiti yamatyala iya kwenziwa kuyo yonke imizuzu eli-15. Isicelo kokugqitywa intengiselwano banokuba ngexesha lenene kwi website esemthethweni yeziko zemali.

Ibhanki "East"

Phi kwaye athathe ngayo imali-mboleko ngaphandle umsebenzi osesikweni? Uluhlu beebhanki ukuze lizaliseke le nkampani. Iziko elifundisa mboleko abathengi kunye namakhadi ngetyala. Isigqibo malunga kokugqitywa intengiselwano ifunyanwa ngumxhasi ngamnye. Iingcali ukuqikelela yokuhlawula amatyala emntwini, elicacisa apho yaye baqeshwe elide kangakanani. Akukhathaliseki nokuba umxhasi enokubakho isebenza ngokusemthethweni okanye hayi. Isixa mali ixhomekeke kwingeniso.

I 'East "ibhanki boleka ukuya ku 500 lamawaka kwi-15% ngonyaka. Elona xesha lininzi apho ngokuthi, okuninzi - iinyanga 36. I ngokukhawuleza ityala ihlawulwa off, lo umncinane egqithisileyo kwi-mboleko. Isigqibo lokunika imali umboleki ithathwa ukuba imizuzu eli-15. Isicelo lokuqala sokubhaliswa intengiselwano angangeniswa ngexesha lenene.

Ngubani na ube umxhasi ngaseludinini? Iziko ubeka iimfuno ngokwaneleyo abathembekileyo. Umxhamli lingaba naliphi ngummi Russian phakathi kweminyaka engama-18 no-75 (ikota mboleko kuthathelwa ingqalelo). Akukho mba amalungiselelo a client enokubakho ngokusesikweni okanye hayi, kule ndawo enye oko kufuneka bungabi ngaphantsi kwe iinyanga ezintathu.

mboleko intanethi

Popular Namhlanje azuze mboleko elide. Amaziko amaninzi lokubolekisa bakulungele ukunika imali abo basebenza ngokungacwangciswanga. Xa ubhaliso lokuqala intengiselwano ngesiqhelo wanikela iimeko abanyanisekileyo. Kwezinye iimeko, ungafumana imali kwi-0%. On iminxeba ezilandelayo ziza kufuneka ukuba uhlawule ngaphezulu kwama-30% ngenyanga nganye. Ngokugqithisileyo iyamangalisa ngokwenene.

Sazi njani ukufumana imali-mboleko ngaphandle umsebenzi osesikweni? Uluhlu kweebhanki zincedise amaziko abolekisa ezahlukeneyo, ezifana "Zaymer", "Moment Credit", "ilizwi imbeko", "Turbozaym", "ikhaphetshu", njl Konke kufuneka ukuba uyenze ukuze ukungena ematyaleni, - .. Ingaba ukubonelela data yokundwendwela ukuba ngummi Russian Federation, kwakunye neenkcukacha yentlawulo, nto leyo iya kufakwa imali eceliweyo. Le mali iza ukuba umboleki imizuzu eli-15.

Ngamafuphi

I-mboleko kunokuba luncedo xa kuthe ukuba kokuba ikhutshwe ixesha elifutshane. Kufuneka Makukhunjulwe ukuba nasiphi na isivumelwano le sicwangciso kuquka uhlaba nezicelo. Ingakumbi iindleko ezinkulu zemali ziya kuba apho umxhasi ayikho abaqeshwe ngokusemthethweni.

Kukho imibutho emininzi ukuba uzimisele ukubanika imali, kodwa sithabathela ingqalelo iingozi eziphezulu amandla mboleki. Ngoko ke ufumana indlela mboleko ngaphandle umsebenzi osesikweni? Uluhlu yeebhanki e St. Petersburg, eMoscow, Yekaterinburg kunye neminye imizi eRashiya uchazwe apha ngasentla.