Apho kukulungele kanye ukuba uthathe imali-mboleko yimali? Types of credit yabathengi

Xa kukho imfuneko engxamisekileyo imali, kunye nezalamane kunye nabahlobo ayikwazi ukunceda, ngexesha umbuzo kanye omkhulu kakhulu kuvela ukuba apho buyanceda ukuthatha imali ezinkozo. Yeyiphi kwezi amaziko ukuze ukhethe: ibhanki okanye PDA, okanye ivenkile nenkomo MFI? umboleki elizayo kufuneka ingcinga ukuvavanya amandla zabo eziluncedo, ngenxa yokuba ekugqibeleni, le migaqo iya kwenza kucace apho ukufumana imali-mboleko kakuhle yemali.

Yintoni umboleki imboleko

credit UMboleki-mali ukuba ibhanki okanye elinye iziko elibolekisa kuthi ke wona anike umboleki. Ikhutshwe lodibaniso lwemali kufuneka ibe seyibuyisiwe ngezavenge zenyanga, kunye intlawulo yenzala efunekayo imali ebolekiweyo.

mboleko Consumer zahlulwe ngokweendidi eziliqela. sijonga ngoku.

Xa uhlobo lwetyala

Ezibuza apho kukulungele kanye ukuba uthathe imali-mboleko yimali - ebhankini okanye ngetyala nomthengi ookopolotyeni, zama ukufumana impendulo. Oko kukuthi, otyalwayo ukuze nje kubekho ibhanki.

Xa uhlobo orientation umsebenzi

mboleko ebhankini zahlelwa ukuba bafumane imali yokuthenga imveliso okanye inkonzo. Le mboleko njongo, nto leyo zibandakanya iimeko zivuma ngakumbi: imadlana yonyaka, amagama bhetyebhetye uhlawule, kwakunye nethuba lokufumana inkxaso-mali karhulumente (ukuba uthathe ithuba lokufumana i-mboleko abafundi ekujoliswe ngenkxaso karhulumente). Umboleki, eyenza ithagethi mboleko akafumani imali ezinkozo, ukuba lunikezelwa ngqo umniki iimpahla okanye iinkonzo ngendlela ikheshi.

mboleko Injongo, ngokuchaseneyo, kubandakanya ukufumana imali ukuba ungasebenzisa uwedwa, yaye musa ukunika ingxelo kwiziko lamatyala ekhutshwe mboleki-mali-mboleko.

Xa uhlobo izibambiso

mboleko Ikhutshwe kungenziwa ixhaswe software, umzekelo, isiqinisekiso okanye isivumelwano ibheyile. Lo mhlaba (ezinokususwa kwaye ezingenakususwa) sebenza besibini. Ukuba UMboleki naziphi na iimeko zemali apho awukwazi ukuhlawula imali, ibhanki nga yamzekela impahla yakhe ise isibambiso. Ukuba kukho isivumelwano ngebheyile, xa mboleki akakwazi ukuhlawula imali-mboleko, olu xanduva kuphumla kunye ozimisa endaweni yalo. Xa Ipesenti yonyaka collateral ngaphantsi ngaphandle kwayo.

libolekise, okanye, ngamanye amazwi, angakhuselekanga, ekhutshwe yi yibhanki kuphela udidi kubaboleki abanengeniso rhoqo negunya kwimbali ngetyala. Isixa mali inikwe kweli tyala ngaphakathi ebhankini esikhoyo mali kodwa ngesantya yonyaka ephezulu.

Ngokutsho uhlobo kubaboleki

Olu didi, kube ngokulandelelana, yahlulwe kumaqela eziliqela. Umzekelo, iintsapho zabantu abatsha, ogama ubudala akuthethi ngaphezu uphawu engama-30, ngaphandle kokufumana ngetyala kwabathengi kunye nenkxaso karhulumente. Le lwamatyala (nezivumelwano zokubambisa, mboleko zemoto) okanye jikelele (non-ekujoliswe) ekujoliswe kuzo.

Xa kuqwalaselwa maqela alandelayo ukufumana impendulo yombuzo apho kukulungele kanye ukuba mboleko ngeenkozo abadla umhlala-phantsi. mboleko Consumer ekhutshwe ebhankini ukuze abadla, ngokusekelwe eqondile yengeniso ngohlobo ye pension. Ukuze ukwazi ukusebenzisa olu hlobo lwe-mboleko, kufuneka athobele imeko mandatory - le lithathe-mboleki kufuneka basebenze. A pension kunye nokufumaneka yomsebenzi ziya kubenza ukuba udla umhlala ukufumana imali kwi amagama nomtsalane ngakumbi ngetyala.

uhlobo umphathiswa-mboleko - isicelo kubaboleki kunye nembali elungileyo ngetyala kwaye ibhekisela ngokuphindaphindiweyo ebhankini otyalwayo. Xa reference mboleki aya kuba ngokwaneleyo Kwathi inkqubo ubuncinane esesikweni, emva koko uya ngoko nangoko kubonelelwa imali ebolekiweyo.

Ngokutsho uhlobo lokuhlawula

Ukuze uhlawule le mali-mboleko ngeendlela ezimbini.

EziFihliweyo - intlawulo yezavenge. Ingaba isixa efanayo intlawulo eyenziwayo qho ngenyanga okanye ngekota. Isixa lwentlawulo ingalungiswa okanye ukutshintsha.

-Time One - bubandakanya ukwenza isixa mali esiyi imali ngomhla othile ochaziweyo kwisivumelwano semali-mboleko.

Phantsi kwemiqathango

lump sum intlawulo - issued every umboleki eyomeleleyo. Olu hlobo mboleko yeyona ethandwa. Ibhanki liqwalasela isicelo of mboleki ngamnye kunye nemali ekhutshwe libalwa ngokusekelwe ukukwazi ukuhlawula.

intlawulo ehlaziyekayo, oko olujikelezayo, kukuba ukunika obolekayo ayikho yonke imali mboleko kwangoko, kodwa a ukudluliswa kancinane kwisithuba sexesha elithile. Into entle kulo mzekelo kukuba mboleki sinokuqiniseka ukufumana isixa semali ukuba kubonisiwe kwisicelo.

Xa uhlobo ngokoMthetho

Apho kukulungele kanye ukuba imboleko ngemali eRashiya, kuthathelwa ingqalelo imeko kozinzo kwezoqoqosho? Namhlanje, iibhanki Russian ngokubonelela mboleko labemi, phantsi kwemiqathango ethile uzahlule elifutshane, apho ixesha sokubuyiselwa lungaphantsi konyaka omnye, yaye ixesha elide, ngaphezu kolu phawu. mboleko zexesha elifutshane ikhutshwa ixesha elimisiweyo (ngokuqhelekileyo esingadlulanga kwiinyanga ezili-12) okanye xa zifuneka. Emva koko, ngenxa yokungabikho a komhla omiselwe ukuhlawula imali-mboleko, ibhanki unalo ilungelo lokufuna ukuba umboleki ukuba uhlawule ityala nangaliphi na ixesha.

Ukufumana lokuthenga ebhankini

Ukuze ufumane imali bangafaneleka umntu ongaphantsi kweminyaka eli-18 (okanye engama-21, zisembundwini ubeka liziko yogcino) yaye musa ukudlula isinyuko iminyaka engama-70.

yebhanki nganye iya ngokuzimeleyo ukuseka iimfuno esebenzayo ezinqwenela ukufumana imali ngetyala. Kodwa kukho imfuneko jikelele kuzo zonke iibhanki - ubukho eqondile bengeniso mboleki. Ngu umthombo wengeniso ibhekisela umvuzo. Kwakhona, lo mboleki ukuze azise ibhanki malunga phambi imithombo yakhe ezizezinye yengeniso, ezifana ingeniso evela yokuqasha impahla (indlu, igaraji okanye enye indawo) okanye izahlulo kwi izibambiso. Le mithombo kuya kufuneka ukuba kubhalwe.

Umgangatho maxwebhu ikhonza yokundwendwela kuthuthwa kunye nobhaliso mandatory isigxina kummandla kwindawo yebhanki. FAQ oxelela kumvuzo obolekayo, yaye ikopi yerekhodi yakhe yengqesho iya kuba amaxwebhu ayimfuneko ukuze ufumane imali. Ukuze ufumane imali likhululwe, ibhanki angacela mboleki ukunika amaxwebhu ezongezelelweyo: a ID wamajoni, ubungqina amaxwebhu elugcinweni / uqhawulo-mtshato kwi mali.

Ukuba umboleki iwela phantsi izinto ezithile zebhanki, kusenokuba kakhulu ukunciphisa umdla yonyaka ezinikezelwa yibhanki nokukhawulezisa inkqubo yokubhalisa:

1. Umboleki ifumana kubude iminyaka engama-25 ukuya kwezingama-45.
2. Kwi ikhadi lebhanki uboleka ukwenzeka umvuzo wenyanga oyi-nguqulelo mboleki.
3. Amava enkulu yomboleki umsebenzi.
4. Umboleki unembali crystal ngetyala.

I esebenzayo wenzala ezinikezwa yibhanki

Ngokuhambelana nomthetho osebenzayo, ukuba ibhanki ngohlobo uxanduva ukuba bazise ngempumelelo umyinge wenzala yomboleki. Le yingqokelela yonyaka umyinge wenzala kunye ikhomishini bank kunokwenzeka. Yiyo lo myinge, iBhanki ukubala inzala yokusetyenziswa kwemali yamatyala, ngoko ke kufuneka ukuba uqhelane nale ngongoma ngakumbi phambi kokusayina isivumelwano.

Imirhumo ebizwayo yibhanki

Nayiphi na imali ekhutshwe ebhankini ebekwe yi-Commission. IKhomishini abe ezilahlwayo, apho umboleki uhlawula ngexesha 1 kuphela, umzekelo, isicelo semali-mboleko, intlawulo kunikezelo ngetyala. Ukuba umboleki ubuyisela imali ebolekiweyo kusasa, kuba kwakhona unokuhlawuliswa ikhomishini.

Rhoqo ukugcinwa ikhomishini zezi: inkonzo yonyaka credit cards, imali kukuyeka ikhadi lamatyala. Ngenxa zonke khomishini, umboleki kufuneka isigqibo apho kukulungele kanye ukuba imboleko ngemali.

Lokuhlawula ityala lokuthenga

Kukho amacebo ezimbini apho umntu ukuyibuyisa le mali: Annuity kwaye umohluko. Ngokunga gqibekanga, iibhanki abaninzi baye basebenzisa indlela annuity sentlawulo, nto leyo iquka ukungenisa isixa esiqingqiweyo ngenyanga nganye. intlawulo Annuity iquka iinxalenye ezimbini: inqununu kunye nenzala. nyanga zonke kukho ukwanda zesixa sentlawulo, nto leyo sibhekiswe imbuyiselo inqununu kunye nenzala yayo, ngokuchasene noko, kunciphisa. Xa le ndlela intlawulo yenzala mboleko kwiinkonzo zayo ibalwa eseleyo imali yinqununu.

indlela mahluko buyiselo amatyala, oko kuthetha ukwenza iintlawulo ezahlukeneyo ngenyanga, ukuqalela inkulu, yaye ngokuthe ukuhla.

Naliphi na iziko yezimali akanamdla imbuyekezo ngokukhawuleza ukuthatha imali-mboleko, ngoko iibhanki umise ixesha elithile unqunyanyiso, ngexesha apho umboleki unelungelo ukuhlawula imali ngaphambi kwishedyuli. Ngokuqhelekileyo oku isusela ukusuka kwiinyanga-1 ukuya ku-6. Okanye ezinye iibhanki bavumelekile ukuba ukuyibuyisa ngaphambi amboleke ishedyuli, kodwa ke ngelo xesha imali efanayo ukusuka 1-12% thumo isixa-mali, nto leyo ihlawulwe kwangaphambili. Ngoko ke, esazibuza apho ukuthatha iindleko cash ngetyala kakhulu ukulungiselela iintlobo ezahlukeneyo yeMisebenzi kunye kwenzala.

op Credit abathengi (CCP)

Ukuba mboleki, ngenxa yaso nasiphi na isizathu awufuni ukuba isicelo ebhankini, ungenza isicelo nePDA. Sizama ukuphendula umbuzo apho kukulungele kanye ukuba imboleko ngemali e Yekaterinburg. I CCP, apho imibutho ezingaphezu kwama-20. Le "Union", "Gold Pool", "Promotion" kunye nabanye.

Credit abambisane kwabathengi ezitshatileyo, nto leyo ibandakanya abantu ngokusemthethweni, umanyaniswe inkalo ethile.

Ukuze ufaneleke ukuba imali, kufuneka:

1. Yiba ilungu uze uhlawule imali yobulungu.
2. Yiba omdala.
3. Yiba nayiphi na intlawulo yobhaliso eRashiya.

namaxwebhu akhoyo-mboleko ziquka:

1. passport Civil.
2. SNILS.
3. Isiqinisekiso ikhankanya ubungakanani kwiNtlawulo neleMisebenzi umboleki (ukuba zabelo na amalungiselelo-mboleko okokuqala, okanye i-akhawunti kwi co-op ixesha elide utshintshela lomvuzo okanye pension, isatifiketi ayifuneki).

Le mali iphezulu kunokwenzeka imali ukuba CCP unokukhupha aluyi kuba ngaphezu kwe-10% yazo zonke iimali-mboleko eseleyo, ngomhla isigqibo extradite kuye.

ukubuyela iya kubalwa ngayinye somntu ngamnye, kwaye zixhonyiwe eqhotyoshelwe kwisivumelwano of kwishedyuli sentlawulo mboleko.

Ekubeni ingqalelo iimfuno CCP ngenxa obolekayo, wonke umntu ukhululekile ukuba isigqibo apho kukulungele kanye ukuba imboleko ngemali.

MFI

Ukuba mboleki akakwazi nebhongo ngokuba imbali eqhelekileyo ikhredithi, kwaye kukho uloyiko lokuba akukho ibhanki okanye CCP akayi kumnika imali kufuneka baye kumaziko microfinance (MFIs). Apho kukulungele kanye ukuba imboleko ngemali e eOmsk? Kwezinye MFIs kubhetele ukujongana? Namhlanje kwisixeko eOmsk, kukho ezingaphezu kwama-30 MFIs ukuba ukulungele ukusebenzisana nabo abanqwenela ukuthatha imali-mboleko ngemali.

Yenza mboleko ilula: kufuneka ufikelele kwiminyaka yobudala uninzi nokubonelela uxwebhu civil (yokundwendwela). IFI nganye ubuncinane zayo kwaye inani eliphezulu ngemali. Ingxubevange kunye ziyajika amaxesha. Umzekelo, kwi "Express-credit 'ukulungele ukuba akhuphe ukuya ku 100 000 engange nge 0.4% ngosuku kwaye isithuba ukuya kwiinyanga ezingama-24. A "Ukuhlawula", ngokuchaseneyo, ukhupha ezona ka-10 000 engange, kunye nentlawulo ye-1% nganye imini kunye ixesha lokuhlawula leentsuku 20.

Apha ezikhethiweyo mboleki, apho ukuthatha mboleko imali ohlawulayo.

pawnshop

Ukuba umboleki akafuni ukulinda ukuba isigqibo yeziko ngetyala kwaye ugcwalise izicelo eziyimfuneko kunye neefom, ukuze isibheno pawnshop. Apho kukulungele kanye ukuba imboleko ngemali eMoscow? In Lombardy.

Apho uthabathe izacholo esenziwe ngegolide, namacephe eyenziwe ngesiliva, amatye anqabileyo, iiwotshi newotshi. Kukho udidi sokubambisa iivenkile ukuba amkele ibheyile, izixhobo zombane ekhaya, Funny neengubo ezinoboya.

Ekubeni ingqalelo amaziko esipoposhwayo semboleko yekhredithi, obolekayo ngamnye ukhetha indawo apho kukulungele kanye ukuba imboleko yabathengi ngemali.

ERashiya namhlanje, omninzi yeentengo zemboleko enika zonke iindidi kubaboleki. Ukufunda, apho kukulungele kanye ukuba ukuthatha imali ezinkozo (ukubuyekeza kwi Internet), akukho impendulo ecacileyo ukuba naliphi na iziko lamatyala ngesiphatho ngcono. kunjalo ngamnye wahlukile kwaye ngamnye kufuneka akhethe ngokwabo ukhetho engcono.