Mboleko elifutshane elide amaqumrhu asemthethweni

oosomashishini ngamnye kunye namashishini badla ngokujongana nemeko apho iyafuneka ukunqanda delinquencies intlawulo, ukuvela amatyala kunye neengxaki kunye namaqabane zoshishino nezemali ngokungxamisekileyo. yokubolekisa yexesha elifutshane ikuvumela ukuba ngokukhawuleza ukusombulula le ngxaki.

mboleko zexesha elifutshane ukuya amaqumrhu asemthethweni kungeniswa yebhanki iimveliso ezintathu eziphambili, ezifana:

• Ekhutshwe ebhankini engaphezulu - kuba yeyona ndlela kakhulu Ayebuza abolekisa ngemali yequmrhu elifutshane elide, nto leyo evumela kufutshane ngaphandle kumatyala kunye delinquencies imicimbi yemali xa i-akhawunti ayikho imali ngokwaneleyo. Olu hlobo lokubolekisa iyafumaneka ukuba abathengi kunye kwisigxina ezinzileyo yemali yenza namashishini ukwandisa ukusebenza. Savings Bank inika amaqumrhu asemthethweni 'overdraft kunye umda zizonke "," overdraft ngamnye "yaye" Bonakalisa overdraft. "
• Target mboleko elifutshane elide, umzekelo, ekhutshelwe ukuthenga izixhobo, okanye intlawulo yemivuzo kubasebenzi, okanye wemvula ngenxa esasaza asethi. Isigqibo ukunikezela mboleko enjalo yamkelwe akakhawulezi ngokwaneleyo ukuba iklayenti, zaziwa kakuhle ebhankini zezona unyanisekileyo kwaye kufuneka ubhaliso ukuba inani elikhulu iziqinisekiso kunye namaxwebhu. Kodwa ukuba ovadrafti akuthethi injongo kukhutshwe imali ethile, imali ekhutshwe ngokohlobo-mboleko ekhethekileyo injongo unako isetyenziswe kuphela injongo, njengoko amaziko zebhanki ukulawula eli xesha.
• Version lwelayini credit elifutshane azikho kakhulu, kodwa kananjalo kusetyenziswa. Sberbank ulungiselela imigca ngetyala kumashishini, kuquka ukuba abaxhasi ezinkulu ezifana "Lukoil", "Baltic Ukudlulisela Inkampani" kunye nabanye. Kodwa zisetyenziswa ngokuxhaphakileyo elifutshane elide kunye nezibonelelo esijikelezayo mboleko ezivumela nangaliphi na ixesha ukutsala inkxaso-mali eyongezelelweyo ukwenzela imisebenzi eqhubekayo.

Amancedo kunye neengozi ze mboleko zexesha elifutshane

mboleko zexesha elifutshane ukuya amaqumrhu asemthethweni ungenza ngokukhawuleza ukufumana imali leyo nkampani kufuneka ngokungxamisekileyo. Ekubeni imbali elungileyo yeentengo zemboleko, kungekho processing mboleko ityala lula kangangoko kunokwenzeka.

Ukukhutshwa mboleko elifutshane, ibhanki i-risk ethile ihlawulelwa amazinga aphezulu ngemali. Umda semali-mboleko iza kuba phezulu.

Ekhutshwe ebhankini engaphezulu njenge imveliso kweebhanki ithandwa kakhulu phakathi abathengi ye-Savings Bank, kodwa iingcali ibhanki inako ukunikela izisombululo ezahlukeneyo ingxaki yokunqongophala kwezibonelelo zemali. I-mboleko kufuneka zibuyiswe angenayo ngeendleko imali ngomyinge wenzala ehlaziywa qho ngenyanga, oko ithuba elula zinokungagqithiseki intlawulo izibophelelo zemali, nokuba ingxelo ngalo mzuzu akukho mali.