Indlela ukubala egqithisileyo kwi-mboleko kunye nenzala?

inkqubo credit ngoku ndawo ibalulekileyo kubomi babantu kulo lonke elo lizwe. Kuphela nje abambalwa abantu zange kube besazi kakuhle, kodwa uze ungandilanduleli kungenzeka ukuba kwixesha elizayo. Ngenxa yoku kubalulekile ukwazi ukubala indlela egqithisileyo. Yena ke imali yokwenene imali leyo idityaniswe ityala lilonke, ukunceda iibhanki ukuze ifumane ingeniso evela mboleko kunye ukunyanzela umntu ukuba anike imali ezingaphezulu.

Yintoni ziqukiwe kwimali-mboleko?

Iibhanki ezinkulu nezincinane rhoqo zinika imali yoluntu ngokwemimiselo ezahlukeneyo. Kuphela kude kube ngoku, abaninzi kubo ukuqhubeka ukufihla amanani okwenyaniso ukuba abathengi nazo. Lo mbuzo bonke, ekubeni kukho imizekelo emininzi apho umnxeba yokuqala kukho isindululo umdla, kwaye ngexesha lokusayina mvumelwano mali ziyahluka kakhulu. Kwaye ke ibhanki okulungileyo, ngenxa yokuba kukho abathile iparameters kubaboleki ezingaziwayo. Yintoni iqukiwe kwimali iyonke yemali-mboleko?

1. imali Principal;
2. Inzala egqithisileyo ngenxa ixesha lonke;
3. Iindleko akhawunti kunye nokuveliswa amakhadi zeplastiki;
4. iimali ezongezelelweyo amthume.

Akukho mntu ngaphandle ezizodwa zemfundo ziya kuba nako yokugubungela uluhlu olupheleleyo ubuqili echaphazela imali ngokupheleleyo. Kwenza ngokwahlukileyo cinga ezinye parameters ukuba abe nelona galelo likhulu. Loo nyathelo liya ukuxazulula imfihlakalo eziphathelele imisebenzi kumaziko zemali.

EPS

Kufuneka uqale olusebenzayo izinga lenzala (ESR). ubukhulu kwayo isuke yi-Central Bank of Russia, enyanzela amaziko abolekisa ngemali ukuze ahlangule umthengi evela ezigqithisileyo ezingeyomfuneko. Ngokuqhelekileyo, abantu ahlawule kuphela ingqalelo amazwi eqaqambileyo, ethembisa inzala encinci kwi-mboleko, kodwa musa ukuba bank nganye imida yayo.

EPS - nesalathisi edityanisiweyo, ukubalwa apho ufuna ulwazi olunzulu, ngoko ke alufane lusetyenziswe kubomi bemihla ngemihla. Nangona kunjalo, i olusebenzayo izinga lenzala ayisekelwanga inzuzo mboleko, kwaye ipesenti kwemali ezingaqhubi kakuhle. Ukuba yebhanki rhoqo kuvela ilahleko, iingcali kufuneka ukuba yonyuse imali ukuba ukulahlekelwa asethi zabo. Olu phawu ichaza ngokugqibeleleyo egqithisileyo omkhulu kumaziko ezincinane zemali, apho abathengi abangalupasanga ukuqinisekisa efanele zezazisi inkonzo yokhuseleko.

CMP

PSK, okanye intlawulo kwinkampani ye-inshorensi, kwakhona zibandakanyiwe kwimali-mboleko iyonke. kuphela ibalwa yi umgaqo enzima, nto leyo eyenza imfuneko ukucinga. Isibakala sokuba kubaboleki uvumele ezithile inshorensi emva kokusayina isivumelwano. Xa kokuba kunyanzeleke ukuba bahlawule imali eninzi ngokukhawuleza, nangona oku nabani yaye abafuni nokumbona. Kufuneka icace into yokuba kuphela xa izixa ezikhulu iibhanki banyanzeleka ukuba uyavumelana elo nyathelo, kwaye kwezinye iimeko kunokwenzeka ukuba ashiye kuyo.

Ezinye iimali efihliweyo

Phambi kokwenza i mboleko, phantse wonke umntu ucinga kuphela malunga nendlela yokufumana isixa eyimfuneko imali. Kulo mzekelo, kungabikho bani ubuyekeza ingqalelo izinto ngamnye kwesivumelwano, ecacisa iintlawulo ezongezelelweyo kwi-mboleko. Noko ke, kwiminyaka embalwa eyadlulayo, zaba ingxaki enkulu, apho zaba ukwandisa amaxesha inqununu eziliqela phezu isibini iminyaka. Ntoni na?

• Intlawulo lokufaka;
• Ukuhlawulwa nokubhaliswa kwesivumelwano sentengo yemboleko;
• umba credit cards intlawulo;
• akhawunti imali yesondlo;
• Iindleko zeinshorensi esisinyanzelo;
• Intlawulo yenkonzo iyasebenza.

Le summation zonke ezi zinto kuphula PUK, nto leyo kumele ukwanda iintlawulo zenyanga. Kwiminyaka emininzi eyadlulayo, umthetho Russian kuye kwanyanzeleka iibhanki ukuba selubala isivumelwano, emva koko kubaboleki bakwazi ukubona ukuba yimalini nento le. Nangona oku akuzange kuchaphazela ukuthandwa ngokwenkqubo yesikweliti kweli lizwe, apho ubutyebi eziphathekayo lisezantsi kakhulu ukuba banazo zonke izibonelelo yempucuko.

Commission, zingafakwanga kwi-CMP

Kwakhona, kukho iikhomishini ethile engeyiyo itsalelwa ngexesha ukubala CMP. Bathi ozikhethela, kodwa mazibalwe iziqendu kwekhontrakthi. Uyakwazi uzibhala kwangaphambili ukuze afumane umntu izimanga.

• Egqithisileyo uhlawule yokuqala mboleko;
• Intlawulo yenkonzo yokuhlala okanye etsalwe nge-ATM;
• Izohlwayo ngokuba yokudlula overdraft;
• IKhomishini ukuthunyelwa kwemali ngetyala kweminye imibutho.

Ezi zinto ke engenanto yakwenza zonke iibhanki, ngoko kwiimeko ezininzi kuchaphazela ilungelo lokukhetha sisibonelelo efanelekileyo. Ngaphambili, uvavanyo kwabo kubaboleki akazange azidube kodwa ngoku umahluko imali enkulu. Umzekelo, ukurhoxiswa kwemali evela ikhadi lamatyala zeplastiki ebhankini ATM-party ukuhlawula rhoqo yenza i-10% yaso. Ngako oko, xa ukususa 30,000 engange, loo mntu uya kufumana 27,000 kuphela, abanye ndiye ngendleko yokuhlawula ikhomishini.

Indlela ukubala inzala kwimali-mboleko?

ukubala EPS kunye PUK bengasetyenziswa abameli kuphela iibhanki. Abantu kufuneka phambili inxenye ukwazi egqithisileyo uqikelelo. Oku kubalwa ayiniki iziphumo zokwenyani, kodwa acacise, njani umahluko kuxhomekeke kwixesha okanye enikeza iziko lemali.

Kubalulekile ukuba izibalo iyenziwa ngokulula ekhaya ukulungiselelwa nezoviwo isifundo eneenkcukacha ngokwenkqubo yesikweliti. Ngokusekelwe kwezi data abarhwebi badla zinika kubaboleki ukhethe ukhetho kakhulu ukuchitha ixesha ubuncinane, ngaphandle kokunika iinkcukacha.

data kokuqala

Ukubala ekhulwini kufuneka iinkcukacha ezithile ekuqaleni.

• PP (overpayment inzala);
• SK (imali mboleko);
• PS (umyinge wenzala);
• M (inani iintlawulo zenyanga);
• OSS (balance kwetyala le mboleko);
• SDP (isixa sisonke esihlawulwe);
• DP (transfer ezongezelelweyo).

into nganye kufuneka icace engaba umboleki, kodwa omnye wabo ukuba sibe sisihikahika. Isikakhulu abantu baqonde ukuba kutheni esi siphakamiso ithi ngonyaka izinga lenzala, kodwa ubalo lisetyenziswa inani elipheleleyo iintlawulo zenyanga. Isizathu soku usendleleni yokuba akusoloko xa usenza isivumelwano lubonise kunyaka ngokupheleleyo. Oku nzima kakhulu izibalo, zinike umfanekiso ngaphezulu okanye ngaphantsi esengqiqweni overpayment umdla.

ifomula

ukubala Formula ekhulwini overpayment kangako nzima.

PP = SC / 100 PS * / 12 * M

Ngenxa izibalo ezilula, nabani na uyazi kuya kuba njani imali eninzi ukuze ahlawule inzala. Kufanelekile ukuba sikhankanye ukuba kule meko ukuba i-PUK, kodwa inxalenye encinane nje yabo. Kwiimeko ezininzi, kuphela nolwalamano kunye umcebisi ebhankini unika umfanekiso lokwenene. Nakuba kunjalo, kufuneka achithe isibini ukubalwa, ebonisa iinzuzo iyinene kule formula.

Amagalelo: SC = 30000; PS = 29%; M = 12 no-24, oko kukuthi, uthabathe umdla ubalo egqithisileyo imiqathango 2: xa kubhaliswayo iinyanga ezili-12 no-24.

PP = 30000/100 * 29/12 * 12 = 8700

PP = 30000/100 * 29/12 * 24 = 17400

Le data icebisa ukuba xa ukhetha isivumelwano semali-mboleko iminyaka emi-2, umntu kuya kufuneka ukuba uhlawule amaxesha 2 umdla ngakumbi. Ngenxa yoku kunokwenzeka ukuthetha ngokukhululekileyo malunga inzuzo yesindululo, ukuba ukungahlawuli ingqalelo kwezinye iintlawulo.

Uhlawule ekuqaleni

Kubonakala ukuba uyakwazi ukubona ngoko nangoko ukuba imali eninzi kuba kuya kufuneka ukuba babuyele yonke imali-mboleko phambi kwishedyuli. Ngokuqhelekileyo abantu zishwankathela nje iinyanga eseleyo, kodwa akazange ukucinga oko wenza impazamo. Kufuneka ukwazi kakuhle oko ngokwesiseko wenza iintlawulo zenyanga na.

1. Iintlawulo Annuity;
2. Iintlawulo naphakathi kwabaseleyo kanye.

Indlela yokuqala iintlawulo zenyanga ezisekelwe lokuqala imali umzobo ishedyuli ukubuya ingqayi. Kulo mzekelo, imali ihlala ifana ubomi loo mntu ubonakala ndlela ilungileyo. Nangona kunjalo, indlela yesibini isekelwe phezu imiqathango rhoqo ekhulwini, kuxhomekeke ekuhleni mali eyintloko ematyaleni. Kulo mzekelo, kukho intlawulo yokuqala umahluko esichazayo, ngokusekelwe ifomula esele zenziwe ngenxa ukubala.

OCC = SC-PSD-DP

Isibakala sokuba PSD yohluka kakhulu, ngenxa yokuba iintlawulo annuity zibandakanya intlawulo yokuqala umdla, yaye emva koko aye ngekuba etsalwe nge imali mboleko iyonke. Ngako oko, emva kokusayina isivumelwano kunye yebhanki kwiimeko ezinjalo kubhetele ukuba ukuthetha intlawulo yakhe ngesiquphe. Ngenxa yoko, oku kuya kufuneka ukuba sichithe imali eninzi ngaphandle kokuba nawuphi na umahluko obubonakalayo eyenza loo mboleko zezona zinto zokuxhasa amaziko zemali.

A look at mboleko

Inkqubo credit iye kulo eRashiya, kodwa abantu sebeqala nje ukufunda ukuvavanya imiqathango ezicetywayo ukuba bafunde ukubala indlela egqithisileyo. Akukho lula kunjalo, ngenxa yokuba kuphela sijongisise ngengqondo kusivumela ukuba siqwalasele "imigibe 'ezincinane kwisivumelwano. Babedla kakhulu ijike ibe ingxaki, ngoko umele ukudwelisa ezinye bokuqonda esisiseko eza kunceda umntu.

1. rate inzala;
2. iimvumelwano eyongezelelweyo;
3. Uhlobo lwentlawulo;
4. inshorensi;
5. Amagama mali.

umboleki Prime eboniswa ngokukhawuleza uluhlu olude nzima, kodwa akunakwenzeka ukuba wenze ngaphandle kwayo. Ngokuqhelekileyo, bokuqonda ezincinane izezona kakhulu, ngoko ke kufuneka sinikele ingqalelo ekhethekileyo.

ukubala ngokugqithisileyo

Noko ke, kubaboleki ezinokubakho isaza kuqhubeka ukucinga kuphela malunga overpayment, kubandakanywa ixabiso kwayo kuphela kwimilinganiselo yenzala. Le ngasentla zezona zinto eza kunceda ukutshintsha uluvo loluntu, kodwa usafuna na ukuyithenga ukunika impendulo.

egqithisileyo lokwenyaniso nayiphi na imali-mboleko nanini echazwe ngaphandle uncedo lobungcali ummeli bank. Akwenzeki ukuba ukwazi PUK, njengoko ifomula ukubala yayo olusana ngamaziko zemali. Ngenxa yoko, ukwazi ukuba kuya kuba njani imali eninzi ukuze uhlawule emva kokusayina isivumelwano, kungcono xa utyelele i-ofisi. Cela ulwazi oluyimfuneko, kuquka imali-mboleko kuxhuzulwa ngqo engqondweni ukubona iindleko zokwenene. Eli nyathelo luxanduva abacebisi, ngoko sihlaziye isantya yakho ayikho nzima kangaka.

Ukukhetha eyiyo

Okokugqibela, kubalulekile ukuthetha malunga ukhetho kangangoko. Kufuneka ngokusekelwe ukhetho lwabo. Umzekelo, umboleki wazi ukuba kwiinyanga ezimbalwa ngokulula ukuyibuyisa le mali uyibolekiweyo. Kulo mzekelo, faka ebhankini, apho kungekho ntlawulo uhlawule ekuqaleni.

Kwakhona kubalulekile ukuba zakhe ezinde kakhulu. Ewe, bona ngokubonakalayo ukwandisa ipesenti ezigqithisileyo, kodwa hayi caveat kuphela. Ukusuka kwindawo nangokwasengqondweni lwembono, ukhetho elinjalo kangangoko abantu, kuba emva kokuba utshintsho lwaphakathi enyakeni, oko oluqalayo ukuphucula isimo. Ngenxa yoku, mortgage kuhlala kuyingxaki kuba iintsapho abaselula namhlanje. Iminyaka yokuqala yobomi zisoloko nzima, kwaye xa kukho imfuneko ukuze isabelo ebambekayo yenyanga zengeniso joint, ngokuthe ngcembe asakhulayo hlakalo.

Sebenzisa inkqubo credit eRashiya zilula, kodwa uhlala ngaphaya kwawo. Banks kuyo nayiphi na imeko akukho mfihlo yeMisebenzi zabo kubathengi, kodwa abantu ngokwabo bakruthana wena ematyaleni. Abanalo ulwazi olufunekayo, ngoko ngokufuthi basayine imvumelwano ngoxolo ezimbi. Ngoko na kunjalo, kufuneka ukhankanye zonke iinkcukacha, ngoko ukuze ngokuzola ukwenza iintlawulo zenyanga awunandaba overpayment ngokugqithiseleyo.