Indlela ukuthatha ngetyala for capital kubeleka kwi Savings Bank?

Iziphakamiso intlawulo lilonke okanye olungaphelelanga lwamatyala omsebenzisi ngeendleko eyinkunzi umzali zifumaneka phantse kuyo yonke indawo. Nangona namhlanje sokugunyaziswa kweli nyathelo mthethweni yaye oko kwakungenzeki kwaphela. Yintoni ngokwenene wanikela ngaphantsi kwemali mboleko?

Indlela ukuthatha ngetyala for capital lokubeleka?

Uyinqaba njengoko kusenokuba njalo, phantsi lokuhlawula imali-mboleko ukuthini kanye oko. yonke Ingongoma siyifumana ingqikelelo lokuthenga. Eyona nto kukuba-mboleko ukuba ziyafumaneka kubantu e iibhanki, kungathathwa njengomthengi, njengoko ezithathwe ngenjongo ukuthenga impahla okanye ukuhlawula iinkonzo. Ezinye imisebenzi for imali apho, ngaphandle kokuba elinye kuphela ukuba mini ngemvula. Nangona umntu akunakwenzeka lwaluzakuba mboleko njongo.

Yeyiphi adunyiswe capital lokubeleka Sberbank ukhetha?

Iimali-mboleko kwi abaneemfuno ezizodwa zabelwa kumaqela ahlukeneyo, kodwa musa kuyeka ukuba umthengi. Baya nje wabona amanye amagama abonisa ngqo injongo yabo. Ezinye iimali-mboleko apho iibanki azilandelwa injongo wokukhutshwa mali, ngokunjalo namagama abo, nto leyo kubonisa iimeko nokunikwa kwabo. Ngoncedo lwe mboleko ezithengiweyo zombane ekhaya, wenza umsebenzi wokulungisa, ukuthengwa kwefenitsha kunye njalo njalo. Bona zithathwa nabaxhamli beenkonzo nabathengi, kwaye banethemba ukuhlawula nabo ngeendleko eyinkunzi.

I-credit on eyinkunzi ngosana e Sberbank

Kodwa ke, kunjalo, oku kwenziwa. Ngokubanzi capital lokubeleka ingasetyenziswa ukulungiselela iinjongo ezintathu: ngokuba isahlulo numbers ye pension kamama elizayo, usana imfundo kunye nokuphucula iimeko zokuphila. Kulo mzekelo, ukuphucuka akujongwa nocolo entsha lodongo okanye ukuthenga izixhobo zombane zasekhaya, kwaye kanye ukuthenga ipropati yokuhlala okanye isakhiwo. Kucacile ukuba uninzi mboleko yabathengi ayikho efanelekileyo.

Ingaba uluhlu luya ukwandisa?

I-credit on eyinkunzi ngosana kwi Savings Bank kunye nezinye iibhanki, sinokuthi, ifumaneka kuphela mortgages. Kodwa ngenye imini, mthetho bacelwa ukuba benze uluhlu ngakumbi ukunika ithuba lokusebenzisa ikomkhulu ukuba athenge imoto entsha. Kodwa okoko nje isindululo kusaxoxwa. Ngenxa yesi sizathu, intlawulo buso okanye epheleleyo, kwaye nangakumbi ke mboleko imoto kwabo banabantwana ababini okanye ngaphezulu ayikho. Ukongeza, akunakwenzeka ukuba ukuhlawula amatyala umfundi, kuba le mfundo kunokwenzeka kuphela ukuthunyelwa kwemali zamaziko emfundo. abancedisa azichazwanga kwibhili emyalelweni.

Kwaye isiphelo iya kuba?

Lidla a bit. Kuqala kwinto zonke, ungafumana-mboleko, oko kukuthi, imali-mboleko enjalo, apho software iya kuba ukuthenga indlu, yaye de ibe seyibuyisiwe, iya kuba isibambiso. Ukongeza, ibhanki inika mboleko ukuba isetyenziswe kuphela ekufunyanweni izindlu. Umahluko kukuba isitshixo ayikho tyaba, kunye nezinye impahla. mboleko enjalo phantsi capital ngosana kwi Savings Bank kunye nezinye iibhanki ziyafumaneka.

Ke ukuba isavenge sokuqala ...

Kukho enye kuyekela. Eyona nto kukuba yonke mboleko yokuthenga indlu ayikho ngaphandle kwentlawulo phantsi. Emva kokuba ingxaki zemali, akukho ibhanki enye ayiboneleli yonke imali yeendleko lwezindlu - kwimeko engcono, pesenti 90 kuphela ezilishumi aseleyo zihlawulwa yi kumthengi. Ukuza kuthi ga ngoku, 24 kuphela VTB kunye Sberbank ngetyala ngolwakhiwo lokubeleka kuphela.