Mboleko mboleki: i-Sberbank inikezela iimeko ezilungileyo

Inkonzo yokubonelela ngemboleko kubemi ikhula ngokukhawuleza. Kwimidiya, unako ukuva okanye ukhangele iintengiso kunye nezithembiso ezintle zemali mboleko kwipesenti zero. Ngokwenza oko, oku kunqabile kakhulu, kuphela xa umenzi wemveliso ethile okanye inkonzo ekulungele ukuhlawula inzalo kwimali mboleko ephaketheni lakhe, kuphela ngenjongo yokwandisa ukuthengisa. Kuzo zonke ezinye iimeko, umbuzo weebhanki eziqhelekileyo zebhanki apho kubalulekile ukuhlawula ipesenti. Ikhefu lingaba ngamaxesha anelungelo elilodwa, elinqunywe yiemeko zokukhushulwa ezikhethekileyo.

Ukuba sithetha ngemali-mboleko kubantu ababonelelwa ngamaziko emali, ngoko ngoko ke iindidi ezilandelayo ziyaziwa: ukubolekwa kwemali, ukuthengwa kwemoto kunye nekhredithi yomboleki. I-Sberbank inikezela zonke iintlobo zeenkonzo ezifanayo, kunye neyokugqibela kweziluhlu zixubusha ngokubanzi kwinqaku.

Okokuqala, kufuneka uthathe isigqibo malunga nokuba ungayisebenzisa njani loo mboleko. Banokuhlawula ukulungiswa kwezindlu okanye iimoto, ukuthengwa kwezixhobo zasemakhaya kunye nokuhamba, oko kukuthi, injongo yokufumana ingaba nayiphi na. Kuzo zonke ezi mfuno ungathatha imali mboleki. I-Sberbank inikezela ngeenkqubo eziliqela kwangoko.

Kwiiphakheji eziqhelekileyo, unokufumana mboleko ye-ruble ezigidi ezi-3, kodwa kule ngxaki uya kufuna isiqinisekiso esivela kwabanye abantu. Xa engekho, unokubheka inani elingaphezu kwesigidi esinye nesigidi. Ngokwesiko, inqanaba elincinci liyimali yangaphandle yabathengi abakhona (umzekelo, abathathi-nxaxheba kwiiprojekthi zokuhlawula). Amatyala angakhokhelwa ukuya kwiminyaka emihlanu, kwaye ungayifumana kwi-ruble okanye kwimali yangaphandle.

Imboleko yomthengi - iSberbank kunye neenkqubo ezizodwa

Inzala encinci ingakhokhelwa kwimeko apho umbolekeki onokuthi unendawo yokuhlala, enokuthi ayishiye. Ubukhulu babo abuyi kudlulela kwinqanaba le-14.5% ngonyaka. Ngokwenza njalo, unako "ukuboleka" imali eninzi (ukuya kuma-ruble ayizigidi ezilishumi) kwaye uchithe kuyo nayiphi na into.

Abo bafuna imali kwimfundo (ezisekondari, ezongeziweyo okanye ezongezelelweyo), zikho izizathu ezininzi zokunaka i-Sberbank. Ikhredithi yabathengi ngokuqeqesha "iyahluka kwiimeko ezintle. Inzala yenzalo iphantsi kuneemali-mboleko eziqhelekileyo, kwaye ukukhula kukunyuka ukuya kwiminyaka eyi-11.

Enye inkqubo yokuboleka imali, apho iyakwazi ukuhlawula imfundo yabo, isebenza ngokubandakanyeka kwenkxaso-mali kaRhulumente. Isixa esiphezulu semali asiyi kudlula iindleko zoqeqesho, kwaye unakho ukuhlawula emva kweminyaka elishumi emva kokuphela kwayo. Inzala kwimali-mboleko "ejikelezayo", iyahluka ngokuxhomekeka kubukhulu bezinga lokuhlaziya. Kukho nawuphi na, ubukhulu bawo buhluke kakhulu kwicala elincinci kwaye ngelixa lilingaphezu kwamahlanu ekhulwini. Kubuhlungu ukuba ufumana imali kuphela ukuhlawula imfundo kwiziko lemfundo elivunyelwe ukuthatha inxaxheba kule nkqubo.

Mboleko mboleki - iSberbank kunye nabanye ababolekisi

Ukuba uthelekisa leziko lemali nabanye - okufanayo kunye nokunikezela ngeenkonzo ezifanayo - unokuziphawula ezi zinzuzo ezilandelayo:

• Imibandela ethembekileyo yomntu obolekayo;
• Inzala ephantsi kakhulu;
• Izicwangciso zokuhlawula ngokungaqhelekanga;
• Ukungabikho kwamashishini.

Abo bafuna ukubolekisa ngokukhawuleza, kwaye akukho bungqina bemivuzo, indlela eya eSberbank ivaliwe. Ezi mboleko zilungele ukujonga kwenye indawo, ngelixa ixabiso lentengo kuzo liza kudlula i-20 pesenti ngonyaka.

Ngaloo ndlela, kwimeko apho kuyimfuneko ukufumana imali mboleko yomboleki , iSberbank inikezela izimo ezinomdla kakhulu. Umboleki uya kuqinisekisa kuphela imali engenayo, uqokelele amaxwebhu afanelekileyo kwaye ulinde ixesha elithile, ngexesha apho isicelo sakhe siya kuqwalaselwa.