Credit kwi "Rosselkhozbank 'ukuba abadla umhlala phantsi. Ndingakwazi ukufumana imali-mboleko ukuze isebenze?

"Bank Agricultural" - yinto ibhanki enkulu Russian kunye nesabelo likarhulumente kwikomkhulu ogunyazisiweyo. Okubangel 'umdla kuba inika mboleko unetarhu umhlala, amafama kunye nazo zonke ezinye iindidi yabemi.

Credit kwi "Rosselkhozbank" umhlala: imiqathango kubaviwa yokubhalwa

Abadla umhlala-phantsi Ungafumana imali-mboleko yebhanki umdla ezibonelelwa yi-phantsi "Rosselkhozbank". Imigaqo ibhanki libonelela ngemali? Okokuqala yaye okubaluleke --mboleko inikwa nayiphi na injongo, akukho njongo ezithile. Umntu ufumana imali lwemali kazwelonke - engange Russian. Ubuncinane imali mboleko - 10,000 engange. Credit kwi "Rosselkhozbank" umhlala - 500,000 engange. Kwaye konke oku nangona ebhankini akanamdla kuyo target credit! Bank kubhekiselele kumntu ngamnye abanyanisekileyo, ngoko ipotfoliyo ngetyala of "Rosselkhozbank" ukwanda ngokukhawuleza. elide mboleko iphezulu kuluncedo kubathengi ngenxa yokuba ngetyala kwi "Rosselkhozbank" umhlala ingakhutshwa isithuba seminyaka ukuya ku-5 okanye 7. Igalelo elibi eli credit isithembiso yeengcali kwiimalike zemali bakholelwa ukuba ibhanki akuthethi ukunika ixesha ubabalo kwixesha lokuqala use. Xa ibhanki ezininzi, le isaphulelo lisemthethweni.

Ziziphi iimfuno lebhanki umboleki - umhlalaphantsi?

Ibhanki ecinga ngokhuseleko yakhe. Kungenxa yoko le nto, ngenxa yokuba iphantsi kakhulu ukuba ubomi baseRashiya, eyingwevu enkulu xa lomxhasi kwenza lungamkeleki. Noko ke, le ngcamango uqulunqe ngokwahlukileyo kancinci. umboleki isenokungabi kwiminyaka engaphezu kwama-75 Ngokutsho iimeko yamatyala ngexesha buyiselo ngokupheleleyo kwetyala. Qwalasela iinketho ezahlukeneyo. Ngokomzekelo, umntu kwiminyaka engama-65 ubudala. Nangoku kukho umsantsa engama-10. Loo lomxhasi ukuboleka ixesha esiphezulu. Ukuba unqwenela ukufumana imali-mboleko eyi-72 ubudala, yena uyakwazi amalungiselelo-mboleko kuphela iminyaka emi-3.

Ukongeza, loo mntu kufuneka abe ngummi Russian Federation kwaye zibhaliswe sikarhulumente. Umhlala kunikwe ingcaciso nge-mali yomhlalaphantsi kuba iinyanga ezi-6 zokugqibela. Ngokusekelwe data kwi ingeniso yesebe lokuthenga ngetyala ibhanki leyo yenza ekubaleni isixa iphezulu mboleko, obunokwenza ngamnye.

Nantsi ke iimfuno ezisisiseko kwi indlela yokufumana imali-mboleko abadla umhlala-phantsi. Inzala mali - yi 16.5% ngonyaka ngamnye.

mboleko Imali for labantu ukusebenza

Ngaba "Agricultural Bank 'imali-mboleko? Ngokuqinisekileyo! Yeyiphi loo mithetho? Enyanisweni, oku ikhadi eqhelekileyo yokuthenga kunye nomgca esijikelezayo ngayo ngetyala. Le mali iphezulu mboleko ukuba ibhanki uyakwazi ukunika abathengi zayo le nkqubo nkonzo million 1 engange. Kuyenzeka ukuba usebenzise mboleko ngaphandle kwentlawulo inzala. I-Bank iye umise ixesha lgotnyy ukuya kwiintsuku 55.

Indlela ukuba basebenzise eli wosondeza ndawonye nangokuyinzuzo epheleleyo ngokwabo? Masithethe nithi umthengi ufuna ukwenza uhlobo oluthile ezinkulu yentengo. Ukuchitha imali ikhadi kukulungele kanye ekuqaleni kwale nyanga. Kwimeko enjalo ubabalo ixesha umntu, nto leyo imiselwe ku-25 kwinyanga elandelayo, kuya kuba elide. Kwimeko ukuhamba ukusuka ikhadi 29, 30, 31, inani ixesha umdla-free uya kuba phezulu kuphela kwintsuku ezingama-26. Ezingenanzuzo? Kwaye malunga efanayo!

Imigomo ebolekwe ukusebenza

Amagama best kwetyala "Rosselkhozbank". Mboleko ezinikwa abantu, kuquka ikhadi, ekhutshwe kunye engqesho esesikweni, amava omsebenzi (elingangonyaka omnye ubuncinane, kule minyaka mi-5 idlulileyo), yokundwendwela ngummi laseRashiya. Credit Card - kuya kuba nenzuzo enkulu ukuba naziphi umxhasi ngenxa imigca elingahlaziywayo rate imali 22.8% kuphela ngonyaka ngamnye. Kuyinto ngaphantsi kwe-2% ngenyanga nganye. Inzuzo!

Yomboleki yeentengo zemboleko kwi "Rosselkhozbank"

I-Bank ibonelela mboleko nomlinganiswa abantu Consumer nezindlu ibheyile, kwaye ngaphandle ukhuseleko. Enyanisweni, izinga lenzala yahlukile, kodwa hayi kakhulu kakhulu.

Makhe sithethe nganye yezi ntlobo-mali ngokwahlukeneyo. Masiqalise kunye nesicwangciso mali-mboleko. Ilungiselelwe-mali ka-100 000 ukuya ku-10 000 000 engange. Izinga mali kuxhomekeke kwixesha mboleko. Umzekelo, ukuba semthethweni nesivumelwano semboleko seenyanga ukuya ku-36, i-client overpay% 16 kuphela ngonyaka ngamnye. Ukuba umntu sikhutshiwe mboleko ixesha elide, iya kuba malunga egqithisileyo-19% ngonyaka ngamnye. Iinzuzo kwimilinganiselo yenzala ezikhoyo kubathengi abafumana imivuzo yabo nge-ofisi "Rosselkhozbank". Isaphulelo kakhulu ezibalulekileyo - 0.5%.

Kwimeko ye guarantors ukuhlawula ityala kwi yomboleki yeentengo zemboleko "Rosselkhozbank" umxhasi ofumana umvuzo ebhankini, uya kufumana umyinge we-14.5%.

Njani na ibe imali onokuthenga ngayo kunokwenzeka? Ipropati (indlu okanye indlu) yavavanywa ziingcali ze bachaze ixabiso layo emarikeni. I-Bank ukukhupha imali kwi-mali engadlulanga-50% yaloo ngexabiso.

Libolekise lokuthenga

Zarplatniki-abathengi angenza isicelo semali-mboleko kwi-ebhankini ngaphandle kokunikezela mali. Yinto "Bank Agricultural"! Iimali-mboleko ezinikwa abantu baya kungena isantya esisiseko 15.5% ngonyaka ngamnye. Isixa eliphezulu lamatyala ingadluli 750.000 engange, kwaye ixesha imali-mboleko ayikho kwiminyaka engaphezu kwama-5. Ukwelixesha loxolelo kwakhona hayi inikwa umxhasi, kuba ngokugqithisileyo yaye ke iya kuba lincinane noko.

Ingenelo ebalulekileyo yenkqubo ngemali (okufanayo enokuthethwa amboleke "Rosselkhozbank" umhlala) ingqalelo ukuba abaxhasi ungakhetha indlela ukuhlawula imali-mboleko (okanye iintlawulo ezahlukeneyo annuity). Kulo mzekelo, umxhasi igqiba indlela yena nentsapho yakhe babeza kuba ukhululekile ngokuhlawula.