Yintoni isicwangciso yezavenge? Terms of ngezavenge. Izavenge yesivumelwano

Namhlanje yokwanda ukuthandwa yokuthenga izinto ngetyala. Oku kubangelwa ikakhulu kube lula olu hlobo yokuhlala, ngokunjalo ukufumaneka kwayo. Ngokwangoku thenga ngezavenge kuba yonke into ukusuka zombane zendlu iimoto kunye real estate. Kodwa yintoni na isavenge? Njani na ukuba yahlukile mboleko umgangatho ebhankini? Ziziphi iingenelo?

Malunga isavenge-nkqubo ithi

Ngokutsho ingqiqo jikelele, izavenge yinto ethile uhlobo lwentlawulo yempahla kunye neenkonzo. Ubonelela kuba ukubala ngoko nangoko, kodwa emva kwexesha elithile. Kulo mzekelo, zonke iintlawulo zenziwa iindawo. Kwaye umgaqo-accrual ezi mali ilawulwa yi izavenge contract, kunye Inqaku 489 kweKhowudi Civil.

Yintoni izavenge ezahlukeneyo mboleko?

Ngokungafaniyo mboleko yebhanki eqhelekileyo, intlawulo yezavenge ikhutshwa kwi umdla ezamahala isiseko, okanye ipesenti usezantsi kakhulu kunokuba semali-mboleko. Ukongeza, loo nto iquka imali yenkonzo. Ngokufuthi, ipesenti ethile (umvuzo) esele ifakiwe kwixabiso imveliso ngokwayo.

Kwakhona, ezinye iinkampani zithi ekuthiwa ipesenti komngcipheko (amaninzi usebenza kuphela kwabo abathengi abaye baphathwa kuqala kwivenkile ethile). Ngokomzekelo, wenza ngoko uthungelwano iivenkile ze izihlangu, neebhegi kunye nezincedisi Westfalika. Abathengi abenze izicelo okokuqala apha ukuze ufumane izinto ngetyala unako ukuthenga impahla exabisa phakathi engange 18.000, nto leyo iya kuhlawulelwa iinyanga 3-5. Ngaloo isabelo ekuthiwa-mali inshorensi kwi-3% yabo bebonke.

Ngokungafaniyo ngetyala, izavenge sisondela akukho ebhankini, kodwa ngqo umthengisi (ngokwemilinganiselo yakowayo) impahla. Ngako oko, le nkqubo yonke kwenzeka kwindawo yentengiso apho uthenga impahla. Izavenge ebhankini - oku-mboleko. Oko kukuthi, oko akuthethi isavenge phakathi umthengisi kunye umthengi zomlamli. Nikelani ingqalelo oku.

Njengoko isavenge mboleko ivumela umthengi ukuba enze iindawo iintlawulo. Nangona kunjalo, xa kuthelekiswa mboleko yebhanki. Kokuba ikhutshwe ixesha elifutshane: ukusuka kwiinyanga-1 ukuya kwi-10. Ngokuqhelekileyo, ixesha kuthi uyinikwe kwiminyaka 1-2. Ngelo xesha, kwakunye ngezavenge zemali-mboleko ukuze zibandakanya ukusetyenziswa isavenge sokuqala. ubungakanani bayo - 10-50% yeendleko zizonke iimpahla okanye iinkonzo ekhethiweyo. iimeko yokuqasha lubonisa ukuba imali uhlawula ngenyanga, ngezavenge ngokulinganayo.

Phakathi kwezinye izinto, ulungiselela mali-mboleko. Izavenge njengoko enjalo ayifuni, njengokuba kulo mzekelo, imveliso ngokwayo ezihonjiswe kwivenkile izenzo ngokuzenzekelayo isihloko isibambiso kuye.

Okokugqibela, inkqubo processing mboleko kakhulu elide nezintsonkothileyo, zifuna UMboleki imbali elungileyo ngetyala. Kananjalo kufuneka ukuba ubhale lwamaxwebhu. Fumana isavenge lula yaye ngokukhawuleza kakhulu.

Apho unako ukufumana iimpahla ngezavenge?

Bambalwa siyazi ukuba isavenge. Kufuneka ufumane inkcazelo eneenkcukacha malunga apho ungahlela ngayo. Kwiimeko ezininzi, kunokwenziwa amalungiselelo ngezavenge ngqo kwindawo yentengiso. Umzekelo, kusenokuba esikhulu, ivenkile ifanitshala, auto, indawo njalo njalo. N.

Fumana izavenge kwaye ube intanethi. Umzekelo, ukuba ungenza abathengi ukuze gqolo isenzeka, okanye ezintsha womnatha zorhwebo "Eldorado".

Indlela ukwenza isicwangciso yezavenge intanethi?

imvumelwano yesavenge Virtual okanye isicelo kunokwenzeka ukukhupha ngexesha lenene. Ukuza kuthi ga ngoku, njengoko umthetho, kufuneka ungene kwi website esemthethweni kothungelwano yorhwebo, kunye ukusebenza iintshukumo ezilandelayo (iseti yabo inokwahluka ngokuxhomekeke-nkqubo wenkampani yaye iziko credit):

• uhlole imithetho ekhoyo zobhaliso lezavenge;
• khetha indawo iimpahla zigutyungelwe ngezavenge (idla ngokuba amanqaku ezizodwa);
• Yongeza izinto ezikhethelwe inqwelo;
• khetha indlela yentlawulo kunye nokuhanjiswa (umzekelo, ikhadi intlawulo kunye iveni);
• yiya kwi tab "Ubhaliso ngezavenge";
• ukugcwalisa isicelo wamisela umzekelo obonisa igama elipheleleyo, inombolo yefowuni ephathwayo kunye nolunye ulwazi oluyimfihlo;
• uqinisekise ukhetho lwakho ngokucinezela amaqhosha ahambelanayo.

Emva koko, ukuba isicelo sakho samkelwe kwi ngezavenge agcine ekhethiweyo abathengisa item inethiwekhi ukuba ubeke yaye ukulungele ukuba bathenge. Xa ulungele, ifowuni yakho iza kufumana umyalezo. Ngaphezu koko, le saziso ekhona khumbuzo malunga uyilo contract kwi nencwadana leyo yokundwendwela. Kwaye Inqanaba lokugqibela, umthengi ngokuqhelekileyo kuza indawo ex kunye yokundwendwela, iya kwi kwigosa mboleko kwaye emva kokuba amaphepha uthunyelwa irejista imali kwaye ufumana into kuhlehliselwe.

Ngawaphi amaxwebhu afunekayo ukuze ubhaliso lezavenge?

Uluhlu lwamaxwebhu yonke mthengisi ngokwabo. Ngokuqhelekileyo intlawulo yesavenge kuquka nokubhaliswa kwesivumelwano kuphela nencwadana leyo yokundwendwela. Ngokuqhelekileyo, kuba le uhlobo lwesigwebo mboleko yabathengi ngabameli iinkampani zorhwebo kufuneka ukunika amaxwebhu eyongezelelweyo yesazisi. Umzekelo, kusenokuba mvume nomqhubi-phantsi, ID emkhosini, isiqinisekiso pension okanye ipaspoti. Ukongeza, eminye imibutho kufuneka ukunika amanye amaxwebhu:

• isatifiketi yokuqala ukwakheka usapho (enikwe kwendawo zokuhlala);
• izatifikethi yokuqala yengqesho (libonisa igama indawo ye client kunye lwemivuzo iinyanga 3-6 yokugqibela);
• isiqinisekiso somtshato okanye mtshato.

Ziziphi izinto eziphilayo ngezavenge?

Ekubeni sele ukwazi ukuba isavenge, iyavakala ukufunda ulwazi kunye neentlobo zayo. A elipheleleyo lezavenge lungohlulwa lube iintlobo ezintlanu:

• inzala-free;
• Long-term;
• elifutshane;
• ngabanye;
• ngomdla.

ngezavenge Inzala-free zibandakanya ukwenza umsebenzisi yokuqala iphuma okokuqala umlinganiselo nesiqingatha ixabiso leempahla. Ezinye imali phantsi izavenge contract ehlawulwa ngumthengi malunga ngenyanga.

Long-term - lo kwintengiso ixesha elide (iminyaka 1-2) kwi iimveliso okanye iinkonzo ngezavenge. Lukwa indlela kwisavenge elifutshane elide ekhutshelwe ixesha kwinyanga 1 ukuya kunyaka. Umntu ithathwa ngokuba yi ngezavenge, iimeko apho zikhethwa ngokusekelwe imeko yezimali kunye nezinye iimpawu client. Izavenge ngomdla - kungenzeka ukuba ahlawule ngamaqhekeza inzala imali eseleyo. Kwezinye iimeko, abaququzeleli angasebenzisa i izavenge imbono ezahlukeneyo (apho zidityanisiwe, umzekelo, imali-mboleko inzala-free kunye neentlobo ngamnye).

Oko kukhutshwa ngezavenge ngoku?

Okwangoku isavenge (kangangonyaka, ezimbini okanye ngaphantsi) ikuvumela ukuba ufumane into propati. Amaninzi, le ndlela uyakwazi ukufumana zilandelayo iintlobo kwempahla :

• zasendlini;
• yasendlini;
• komsindo nevidiyo izixhobo;
• iikhompyutha, tablets, kunye laptops;
• Khamera wentambo;
• inverters, umbane kunye nezinye izinto zasendlini;
• izinto;
• izixhobo zemidlalo (umzekelo, bebasa, izixhobo ukufaneleka);
• bath, yokugquma, ijacuzzi;
• ikhitshi umyezo izinto;
• izixhobo ekhaya, igadi,-ofisi;
• impahla nezitsha;
• neendawo amakhethini;
• iifestile neengcango;
• ezithengiswayo;
• izithuthi;
• kwemfuyo, njalo njalo. d.

Kwakhona, ezinye iinkampani baqesha ukubonelela ngeenkonzo ezithile (umzekelo, ufakelo ufakelo lwe window zeplastiki).

Ngubani Ungafumana ngezavenge?

Akuyazi into izavenge, kodwa zange nazo nto? Emva koko ke kufuneka nje ukwazi ukuba ngubani na bango kuyo. Iziqulatho qasha abemi Russian phakathi kweminyaka eli-23 neli-70 abaye ube nephepha-mvume lokuhlala kunye yokuhlala isigxina, umsebenzi, ezamkelela ingeniso rhoqo.

Ngamanye amaxesha nabathengisi zikhetha ukudlala ikhuselekile, ngoko abemi abadala ngaphezu kweminyaka ubuninzi isithembiso - ukongeza iphakheji esisiseko kwamaxwebhu - ukunika isibambiso okanye nakumqinisekisi.

Ntoni izavenge contract?

Njengokuba besesitshilo ngaphambili, isiphelo lubonisa ikhontrakthi izavenge (efana kwisivumelwano semali-mboleko). Ziziphi izinto ukubandakanya kuxwebhu kwaye oko amagama?

imvumelwano yesavenge ngasinye iqulethe:

• ulwazi party contact (Igama elipheleleyo lomthengi, igama elisemthethweni kunye nedilesi lombutho enika iimpahla ngezavenge);
• phantsi kwesivumelwano kunye nezibophelelo zamaqela;
• ixabiso lempahla ezinikwe ngezavenge;
• iindleko Service (ukugcinwa, ukupakishwa, etc ...);
• Luxanduva amaqela;
• utyikityo zamaqela.

Hlawula izavenge kuba kwi-Internet, ezindaweni iibhanki ', ngalo iiclamps.