Kukuphi na okulunge ngakumbi, ukuba uthathe imali-mboleko yebhanki: isikali kunye nohlolo

Ngelishwa, kwilizwe lethu imeko yezoqoqosho iye elide ulihlwempu. Iimfuno wonke umntu. Kodwa asingabo bonke iimali zikhona ukuhlangabezana nazo. Ngenxa yokuba abantu abaninzi bayathandabuza ukuba ukubhaliswa mboleko. Noko ke, oko - sisigqibo esinzulu. Ngoko abantu ukuba bawajonge ngenyameko iziko zemali esifundisa imigaqo-mboleko kuFeliks. Kuphela emva kokuba ukuthelekisa iinketho eziliqela ngayo ujika ukuqonda apho iibhanki kungcono ukuthatha mboleko.

inkokeli wakubeka

Kwindawo bezikhundla yokuqala, Kakade ke, kufanele Sberbank. Yeyiphi akumangalisi. Ngapha koko, lo ngowona "ubudala" bhanki inkulu kwaye eRashiya, uninzi izabelo apho (52%) bobabo i CBR.

Eli ziko zemali inika eziliqela iindidi mboleko. Ngokomzekelo, umthengi. Kwi-Savings Bank ayikwazi baze bahlele engakhuselwanga. Ubuninzi mali - 1.5 million engange, izinga - ukususela 16.9%, kwaye gama kuba ukuya kwiminyaka emihlanu.

iimeko Okuninzi kusinda wacela abantu abangakwaziyo .Asikwazi umntu ngokwasemzimbeni. Ngoko ke imali-mboleko kunokwenzeka inyuswe ukuya engange-3 million, kwaye umyinge wenzala iqala s13.9%. ixesha obungenakudlula kuphela.

Abantu abaninzi banomdla koko ebhankini kungcono ukuthatha-mboleko, ungathanda ukwenza ubalo lokuqala, ukuze inzuzo engase kube ngakumbi ubone. Kaloku, unako ukunika umzekelo. Umntu ingeniso 60,000 engange ngenyanga, zihlawulwa kwi ikhadi Savings Bank, uyakwazi ukuthatha iminyaka emibini, malunga 640 000. Ngokuba kuye, umyinge wenzala yi 13.9% ngonyaka. ngenyanga nganye kuya kufuneka ukuba malunga nama-30 550 p., Ke imali egqithisileyo ngenxa bekuya kuba 95 000.

"VTB 24"

Ukuthetha zeziphi na ebhankini ukuthatha ngetyala, ukuba bachazwe "VTB 24". Ngapha koko, kwezi zixeliweyo, umbutho uthatha indawo yesibini.

"VTB 24" inikela eziliqela iindidi mboleko yabathengi. "Vala" - 400 000 3 000 000, isithuba seenyanga 37-60, kunye izinga 15.9-17.9% ngonyaka. "Isantya" - 100 p m .. ukuya ku-3 miliyoni. Igama elithi, apho kuya kufuneka ukuba uhlawula ityala uvela kwiinyanga ezi-6 ukuya ku-36. Kwaye uhlobo lokugqibela - i credit "lokuposa". Njengoko kuthatha udibaniso 100 m. P. ukuya 399999 p. Ixesha - ukususela kwiinyanga 37 ukuya 60, izinga - 16.9 - 25%.

Ngendlela, abantu abaninzi bezibuza apho ibhanki kungcono ukuthatha mboleko sokubambisa, ukufumana iingcebiso ukuba balisebenzise kwi "VTB 24". Kulo mbutho ngokwenene iimeko ezigqwesileyo. Masithi umntu ufuna ukuthenga indawo-okulala 1 engange-4 million. Oku kuza kufuna ukuba kwenziwe igalelo lokuqala-1 200 000. Isixa abantu abazimisele ukuthenga izindlu ezinjalo, ngokuqhelekileyo phakamisa. "VTB 24" inikela kulo mzekelo amalungiselelo mortgage kangangeminyaka eli-10. Ukuba umntu ufumana ngenyanga malunga nowama-65 000 engange, izinga yi% nje 11.4 ngonyaka kuye. A imfuneko ukuhlawula nge-39 000 miri. / M.

"Rosselkhozbank"

Eli ziko yezimali kwindawo yesithathu simo. Ezininzi, safunda iinkcukacha umbuzo wokuba ingaba, koko ebhankini kungcono ukuthatha imali, ukuphuma ngokuba "Rosselhoza". Ingakumbi kuluncedo ke isisombululo kwabo bantu ababandakanyekayo kule "project imivuzo" yaloo mbutho. Kubo, inzala kwimali ebiyiboleka yabathengi ngaphandle wammela luqala 15.5% ngonyaka. Ukuba umntu ufuna ukuthatha 750 lamawaka engange (isixa maximum) iinyanga-36, kunye ingeniso yenyanga ka-60 000 miri., Ke kuya kufuneka ukuba zinike abangama-26 000 miri. / M., kumyinge we 16.9% ngonyaka. Akumangalisi ukuba abantu abaninzi bakhetha "Rosselhoz" ukuba ndinombuzo ngokuphathelele indlela apho ibhanki kungcono ukuthatha ngetyala.

Ukongeza, apho amaxabiso yemali. Ngokuba izindlu LCD "Tsaritsyno", umzekelo, ukuseka isantya ubuncinane ngonyaka ka-7.5%. Ukanti kukho mboleko mortgage zomkhosi ngenxa ukuthenga real estate kunye nenkxaso karhulumente kunye nezinye izicelo ezininzi. Unga nokuba amalungiselelo mboleko ikhaya phezu maxwebhu mabini! kuphela kuya kufuneka wenze igalelo yokuqala ka-40%. amandla yomntu ukuhlawula ngoko nangoko loo mali yi isiqinisekiso ngomlomo yengeniso yakhe. Ukuba ufuna, masithabathe engange million enye ukuya kwiinyanga 36, izinga yi 14.4% ngonyaka kuye. ingeniso yenyanga kuphela kufuneka-60 m. P. Ngenxa yokuba zonke iintsuku ezingama-30, kuya kufuneka ukuba anike iitoni ezingama-40. P. ntlawulo.

"Alfa-Bank"

Xa rankings ezininzi, nto leyo ebonisa ngokucacileyo apho ibhanki kungcono ukuthatha imali eziinkozo, umbutho zibandakanyiwe phezulu ezintathu. iimeko zivuma. mali obukhulu - million 2 engange. Ikota - ukusuka kwiminyaka ukuya kwemihlanu. Ikhomishini Akukho guarantors azikho kuyimfuneko, izinga yonyaka kuqala 13,99%, kwaye isigqibo sokukunika iya kwenziwa zingadlulanga iintsuku. Kunye namathuba intlawulo yokuqala, nto leyo eneneni uyavumelana nokuba ifowuni.

Kwakhona payroll abaxhasi yalo mbutho unika iimeko okulungileyo mboleko. Ukuba umntu ufuna ukuthenga indlu kwimarike zasesekondari, ngoko loo nto akhuphe imali iminyaka 5-25 kunye negalelo yokuqala ka-30% kunye uxwebhu zobhaliso enye kuphela. neqondo ixabise 17.3% ngonyaka. Ukuba ufuna ukuthenga indlu, kufuneka wenze-40% yamanqaku ewonke.

"Gazprombank"

Abantu abaninzi abathi - kungcono uphume kulo mbutho, ndiye ndafumana nje umbuzo malunga indlela apho ibhanki kungcono ukuthatha ngetyala. Abaninzi baye wayibiza enye engcono.

Ukuba izakuphumeza mboleko isithuba ukuya kuma kunyaka omnye, umlinganiselo iya kuba-13% ne-software ne-14% - ngaphandle kwakhe. Mboleko kufuneka amalungiselelo ixesha elide? Ukuba oko kuya kuxhomekeka ukusuka komnye unyaka ukuya kwiminyaka emithathu, yonyaka umyinge wenzala uya kwandisa ku-13.5% ukusuka software yaye ukuya ku-14.5%, xa kukho into enjalo. Kwaye phezu mboleko isithuba seenyanga 36-60 kuya kufuneka ukuba uhlawule-14% ne-15% ngokulandelelana. Hi ndlela leyi, "Gazprombank" umlinganiselo umthengi ngezantsi 0.5%.

Kucelwe

Lo mbutho, kakhulu, ayikho indawo lokugqibela simo kwimibutho zemali eziphicothiweyo. Ngaphezu koko, abaninzi acetyiswa yayilusuku lwakhe, ukuba umntu onomdla koko ebhankini kungcono ukuthatha imali abathengi.

Ezibolekwe Kucelwe ukunika imali nayiphi na injongo. Makhe sithi umntu kufuneka athathe iitoni 500,000. P. isithuba seenyanga ezingama-24. Yena angakunika ukubheja ukuba 14.9% ngonyaka kwaye intlawulo yenyanga ka-24 220 engange.

Kucelwe Mortgage evumayo kakhulu, ingakumbi abathengi "zabo". Ixesha lininzi - engama-30. A mortgage norhulumente njengoko amazinga 11.2%. Kuba izakhiwo ezitsha - ka-12%, kwakunye lwezindlu ogqityiweyo.

Hi ndlela leyi, TNA abasebenzisanayo iinkampani ezininzi, ukuthenga amaziko leyo ingakhutshwa ngu ngezavenge okanye amatyala. Olu DNS, "The Messenger", "Euroset" Media Markt "Techno-Force", "MegaFon", "585", Elena oboya kunye nezinye iintlobo ezininzi.

"Bin"

Oku kwakhona iziko zemali ezaziwayo-kakuhle zorhwebo. Abantu abaninzi badla bayacetyiswa ukuba uqhagamshelane nabo ukuba umntu unomdla koko kuhle ukuba uthathe imali-mboleko ebhankini kuluncedo.

Le sum ubuncinane - 100 000 t p, esiphezulu -. Million. amaxesha Delivery ingahluka iinyanga ezingama-24 ukuya 84. Isantya iqala kwi 16.5%, kwaye isigqibo ukunika ithathwa iintsuku ezintathu.

Ukuba umntu a client of "Bin", yena usenokukhupha engange kwesigidi phantsi 5.16% ngonyaka, nangona ukuba intlawulo yenyanga iya kuba-26 m. P.

Apha kwakhona, mortgage uya kukhutshwa. Elona zinga - 11.25%, elide - iminyaka 5-25. Intlawulo yokuqala kufuneka-15%. Isixa mali iphezulu kungaphelelanga, kodwa ubuncinane -. 600 p. (EMoscow), 300 r. P. (Ezinye iingingqi). Thatha isigqibo zingaphelanga iintsuku ezintlanu. Hi ndlela leyi, sisekhona ukuncitshiswa kunokwenzeka kwenxenye ye-mboleko, imali iintlawulo okanye kwemali ekuqaleni.

"Ugra"

Oku joint-stock umbutho zorhwebo. Ukuthetha zeziphi na ebhankini ukuze athathe mboleko (uluhlu lwamagama, njengoko wabona ebanzi kakhulu), kufanele kuphawulwe ingqalelo kwaye "Ugra". Yena unika iindidi ezine mboleko yabathengi. Kukho "Onyanisekileyo" yaye "Pension" "lula", "nayiphi na injongo",. Le peculiarity yale bank kukuba akukho iimeko jikelele - apha ngamnye kumntu ngamnye esikhethiweyo isindululo, ngokungqinelana ne ngeniso ithuba. Ngoko zobhaliso kufuneka kuqala uzalise ifomu.

Kukwanjalo uya kuba mboleko. Kodwa kukho ezinye migangatho. Intlawulo yokuqala kufuneka-20% yamanqaku ewonke. ixesha imali-mboleko - ukususela kwiminyaka emithathu ukuya amathathu. Elona Imali engange-300 000, ubuninzi - million 10 p.

"Avtotorgbank"

Le enomda kubutyala Kananjalo kubalulekile ukuba siqaphele ingqalelo, sithetha ngayo, apho ibhanki kungcono ukuthatha ngetyala. Rating ikakhulu kubonisa amagama ezithandwayo amaziko zemali. About "Avtotorgbank" beva ezimbalwa. Kodwa inikeza iimeko ezithandwa kakhulu mboleko zemoto.

Xa amaqabane yombutho abaninzi, kuquka abenzi angaphandle ezaziwayo-kakuhle. Imali kwimiba yebhanki mboleko zemoto euro, zeerandi kunye engange. Le sum Ubuncinane - 300 000 engange, ubuninzi - 5 million. Ixesha ekungabonini ukusuka kwiinyanga ezi-6 ukuya 60. Intlawulo yokuqala kufuneka ubuncinane ama-20% yeendleko lo matshini. Le idiphozithi asifuneki, njengoko ukufumana ukuba athenge imoto (uya kudlula TCP ifakwe ebhankini).

Ukuba umntu uchola isixa isithuba seenyanga ezi-6 ukuya ku-12, umlinganiselo wonyaka bekuya kuba-18%. Ukususela 13 ku-36 - 19%. Kwaye ukusuka 37 ukuya kuma-60 - 19.5%, ngokulandelelana. Abaninzi thatha mboleko euro okanye iidola, kuba kunjalo, kungakhathaliseki ukuba ixesha ekhethwe ngumthengi, umlinganiselo iya kuba-15%. Kodwa kule imeko kukho ingozi, kwaye amazinga otshintshiselwano engalindelekanga.

"Sovcombank"

Lo mbutho Kananjalo kubalulekile ukuba siqaphele ingqalelo, sithetha ngayo apho ibhanki kungcono ukuthatha ngetyala. Iimpendulo ngayo kakhulu ezintle. Ngapha koko, "Sovcombank" yenza kubathengi bawo amaxabiso aphantsi. Noko ke, iinkonzo ezifanelekileyo lombutho kwabo bantu abadinga imali encinane. Ngoko ke, umzekelo 100 000 ingakhutshwa kwi-12% ngonyaka kwi ebhankini. Iimfuneko kubaboleki eliphantsi - ngabemi Russian, iminyaka engama-20 ukuya ku-85, ithuba nyanga-4 emsebenzini wokugqibela nobhaliso isigxina kummandla (kwakhona ubuncinane iintsuku 120).

Kukho yomboleki yeentengo zemboleko "Standard" kunye isixa eliphezulu 200 000 engange, "Superplyus" (600 000 miri.), "Pension", "Express" kwaye babizwa ngokuba-mboleko "iyavelaName" enikwa phezu kwama zokundwendwela kunye iidiploma emfundo ephakamileyo .

Yintoni abathengi sixelele?

Okokugqibela, uyakwazi ukuthetha kancinci uhlobo ingxelo iibhanki kubashiya abantu ukuba basebenzise iinkonzo zabo.

Izimvo ezahlukileyo. Ezi zikhankanywe ngaphambili "Savings Bank", umzekelo, ufumana zombini ingxelo ezimbi nezilungileyo. Isibakala sokuba umbutho inyanzela iimfuno eliphezulu kakhulu kubaboleki ezinokwenzeka. Kwaye ufumane mboleko elilungileyo ephantsi inzala kunokuba abe ngumntu, ngenxa imali efunyenwe ngabo, phantse angaze sifumana imfuneko yokuba athathe imali-mboleko kuphela. Ngokomzekelo, xa ukuchazwa iinkonzo kuchazwe ukuba imali eliphezulu - 3 million imali engange (usisiqinisekiso). Kodwa ezibini nesiqingatha sesigidi unako ukundinikela ukuya kwiinyanga 60, umntu kuphela namava iminyaka emininzi yaye umvuzo-150 000 miri. / Month. Kodwa akukho nzuzo, njengoko umlinganiselo yonyaka iya kuba 14.9%, kwaye isixa lilonke ezigqithisileyo - 1130000 p. Ngoko ke ukuba uluhlu lweerhafu ingxabano.

Xa "VTB 24" abathengi ukwenza amanye amabango. Ngokwemigaqo weerhafu kunye nenkonzo lonke ukholo okulungileyo - njengokuba kule nkcazelo, kodwa ndilinde ixesha elide kakhulu. Esi sicelo asiyi kuqwalaselwa omnye nkqu iiveki ezimbini. Ngokuba, xa kwagqitywa ukuba i mboleko "VTB 24", kungcono ukwenza oko phambi kobhaliso. Kukwasebenza kwanjalo kuyo "Rosselkhozbank". Kwaye kusenokwenzeka ukuba ufumane letyala ukufumana isixa esikhulu kunye nokhuphiswano izinga ukunyuka lenzala ukuba umntu lo wammela ngokohlobo impahla eninzi. Ngoko ke abantu Siqinisekiswa ukuba ihonjiswe-mboleko of "Rosselkhozbank".

Kunye ambalwa malunga yebhanki Kucelwe. Lo mbutho kuthiwa nabathengi, sime ngokuqinileyo emehlweni ezinye kwenzala elungileyo. abantu abaninzi abathatha ngetyala, izikhumbuzo rhoqo zivela elunxwemeni malunga nokuhlawulwa kwamatyala. Abanye abantu andiyithandi loo nto, kodwa oko kwenziwa ngenxa yabantu asikulibalanga - ukuba lula.

Ngokubanzi, eRashiya kukho ezininzi imbiza nice. Isigqibo sokuba athathe imali-mboleko - inyathelo elibalulekileyo kunye noxanduva. Ngoko ke wenze ukhetho esixhasa lombutho Imfuno kuphela ukucinga ngononophelo kwaye ngomsebenzi nemiqathango zonke iibhanki ezivavanyiweyo.