Indlela Ungayihlawulwa mali-mboleko kwi-Savings Bank: inkcazelo iinkqubo kunye neziphakamiso

Ayizizo zonke umbutho, ababekhonza umbolekisi inika yombane mboleko. abathengi Savings Bank nethamsanqa ngakumbi: Ivumela, ukuba oyifunayo, ukuba uhlawule isixa ngokupheleleyo ityala okanye inxalenye yayo. Ngokuba transaction umboleki kuya kufuneka ukutyelela ofisi nkonzo kwaye ubone inani yokubolekisa specialist. Emva ngokugcwalisa isivumelwano izibambiso luyekisiwe okanye kwatshintsha kumacandelo yayo (ishedyuli sentlawulo). Ukwenzela ukuphepha iingxaki ekubaleni, ufanele wazi ukuba Ungayihlawulwa indlela mboleko evela Sberbank.

Khangela kwisivumelwano semali-mboleko a

Gqiba kwi nenyathelo intlawulo yokuqala ye-mboleko iza kunceda deal with ebhankini, yabhalwa kuyilo yayo. Le mvumelwano iya cacisa indlela yokusebenzisa xa kubalwa intlawulo yenyanga: lo lonyaka okanye umohluko. Indlela yokuqala luphawulwa iminikelo ngokulinganayo ngokumalunga -mboleko. Kulula ukunakana ngokuzimeleyo xa kufuneka ukuba ahlawule intlawulo yenyanga dyaba, mboleko - annuity.

Iintlawulo enomahluko eqhuba ngayo impermanent. Qho ngenyanga ziguquka ngokuthe ukuhla. Ngokomzekelo, ekuqaleni kwethuba mboleko umxhasi uhlawula ebhankini 600 engange, kwaye ekupheleni - sele 400. Kwaye umdla ngcembe uya kuncipha, kodwa imali ebolekiweyo iye icinywe ngezavenge ezilinganayo.

Malunga zahlula kunye annuity iintlawulo

Ukuze uqonde ukuba ukubuyisela njani ngaphambi amboleke ishedyuli kwi Savings Bank, kufuneka uqonde kakuhle ukuyilwa iminikelo yenyanga. Umzekelo, ngokubuyisela i imali ebolekiweyo ukuya indlela bank ngonyaka, umthengi ebhalisela kwale miqathango ilandelayo:

• ngenyanga nganye kufuneka ahlawule imali efanayo lonke ixesha-mboleko;
• intlawulo siqulathe inxalenye inqununu kunye inzala qho ngenyanga kubalwa yonke imali-mboleko;
• inkoliso yabo bahlawulwa kwisiqingatha sokuqala kwale mvumelwano.

Ngenxa yoko, imali ukuboleka liyavuzwa kuphela intlawulo yokugqibela. Ngoko ke, ukuba 'ukucima "ngetyala kukholekileyo kakhulu kwisiqingatha sokuqala kwexesha lesivumelwano, xa ibhanki alukayifumani ukusuka umthengi inxalenye enkulu umdla.

Indlela enomahluko of ukuhlawula imali-mboleko nerhafu ngenyanga ayahluka mali. ixabiso labo inqununu kubangelwa billing mnye, kunye nenzala. icala Recent hayi imali-mboleko, ngelixa abanye kuyo. Le ndlela lokuhlawula kukholekileyo ngakumbi umboleki - le egqithisileyo i ngaphantsi kakhulu.

kwiphepha leMimiselo Jikelele nemiqathango

nga Ungayihlawulwa njani imali-mboleko kwi-Savings Bank? Kukho eziliqela ezifunekayo kufuneka ukuthobela ukuze afeze ukubala. IBhanki banyanzelise iimfuno intlawulo ubuncinane nto ayikuthinteli zombini intlawulo oluphakathi kunye ngokupheleleyo. Ukongeza, loo mboleki akuyi kufuneka uhlawule isohlwayo ukuba intlawulo yokuqala.

Olugunyazisiweyo isenzo umxumi kwimeko 'ukuvala'-mboleko okanye wenze isixa esithile ulwabiwo kukunika ingxelo ebhaliweyo ebhankini, apho le ngcaciso ilandelayo kufuneka zicaciswe:

• umhla ekuvuthweni i (usuku lokusebenza);
• ngobungakanani bomrhumo;
• akhawunti mali iya kudluliselwa kuzo.

Savings kufuneka baziswe kwiintsuku ezingama-30 phambi kokuba kubuyekezwe olucwangciselwe ixesha.

Xa intlawulo yokuqala ityala umthengi unelungelo ukubanga yinxalenye ye-inshorensi kwithuba aziyi kufakwa nexesha esisetyenziswe. Kakade ke, le nkqubo inde ngaphezu lokuhlawula imali-mboleko, kodwa kunokwenzeka xa oyifunayo. Iqala inqubo kwakhona kunye nesicelo, imilo apho ungabuza ibhanki.

i algorithm

Ukuze ukumangaliswa ukuba indlela Ungayihlawulwa mali-mboleko kwi-Savings Bank, kufuneka wazi ukuba kuya kufuneka ukuba benze oko. imithetho jikelele ukudluliselwa ngempumelelo kwemali kunye nolwabiwo (lokuvala) yemali-mboleko azezi ngongoma zilandelayo:

• bhala ingxelo malunga intlawulo kwangethuba nise ebhankini kwisithuba seentsuku ezingama-30 phambi kokuba intlawulo olucwangciselwe mali;
• abone ukuba umqeshwa ubeke itywina kwi ingxelo yokwamkela ukuze iqwalaselwe;
• ahlawule imali emiselweyo nangayiphi na indlela elula;
• wenze utshintsho kwi balance;
• ucele ishedyuli entsha sentlawulo (kwimeko intlawulelo buso) okanye amaxwebhu, engqina ukuba intlawulo epheleleyo ye-mboleko.

Kufuneka kuqatshelwe ukuba inkqubo iintlawulo zenyanga kunqabile utshintshe, t. To. Sberbank kudla ngokusisondeza mboleko kunye iintlawulo zomnyaka. Xa intlawulo kwenxenye yobomi babo eguqukayo sivumelwano semali-mboleko, ngelixa isixa iminikelo kuhlala enye.

indlela ekuhlawuliswa

Ukuze wenze intlawulo elandelayo, okanye isixa intlawulo yokuqala mboleko kunokuba ezahlukeneyo. I-Bank engabuzi amabango ukuba indlela yokuhlawula, umthengi ilawulwa ukhetho lwabo kunye lula. Beka imali yakho kwi-score ngetyala, ungasebenzisa i-terminal (nokuba umbutho wesithathu-party), e-KDE, bank transfer okanye idiphozithi imali ekhawuntareni.

abasebenzisi nkonzo "Sberbank Online 'ukwenza umsebenzi lula. Kwanele ukuba ukufikelela kwinethiwekhi kunye nemali efunekayo kwemali kwikhadi okanye enye akhawunti yebhanki. Indlela Ungayihlawulwa mali-mboleko kwi-Savings Bank kunye ngoncedo i-intanethi? Ukuze wenze oku, kufuneka wenze iqela lamanyathelo:

1. Ngena kwinkqubo "Sberbank Online".
2. Yiya kwicandelo "Iikhredithi 'lo.
3. Ukunqakraza kwi mboleko yakho esebenzayo, khetha indlela intlawulo yokuqala (buso, elizeleyo).
4. Gcwalisa le fomu, ecacisa inani, indleko kunye nexesha yokubiza.
5. Nqakraza kwi "Yenza isicelo".
6. Tshekisha ukuchaneka kwedatha bengena uqinisekise inyathelo ngoncedo lwe-SMS-khowudi.

izicelo enze unako esweni nge-akhawunti online.

kwemali ekuqaleni Pheleleyo

Ukuba imali efunekayo-mboleko apho ngaphambi kwe izicwangciso, le kubaboleki basoloko becinga malunga zinonxibelelwano ngokupheleleyo amatyala abo. izibophelelo wolawulo umthwalo nkqu nabantu abaninzi ithengiswayo. Lahla kubo kuphela mnandi, kodwa inzuzo. Emva ngokunqamla ngaphambi kwexesha imali yetyala akanyanzelekanga ukuhlawula imali engaphezulu ezandleni ephosakeleyo. Ukuba ufuna ukulibala kuphela malunga notsalo ngenyanga kwi-mali, kodwa ukuhlala omnyama esivumelwano, ufanele wazi imithetho embalwa elula.

Indlela Ungayihlawulwa-mboleko evela Sberbank ukuze kulungelwe? Ukuhlela ukuba uhlawule ityala, kufuneka sinikele ingqalelo ixesha iintlawulo. "Closing" credit kwisiqingatha sesibini nexesha esisetyenziswe yayo uthembisa inzuzo encinane. I ngaphambili intlawulo mboleki weendawo oyintloko, inzala ngaphantsi uya kufuneka ahlawule.

kwemali akakhethi

Lidla kukho ixesha yaye "nophahla" isixa sentlawulo yenyanga, nto leyo ekhokelela ukuba recalculation anencasa ukukhawulezisa ukugqitywa ubudlelane phakathi otyalwayo kunye unetyala. Abaninzi bayazibuza: njengoko ngokuyinxenye Ungayihlawulwa-mboleko kwi-Savings Bank? I algorithm kule ndlela intlawulo yokuqala iya kuhlala injalo, kuphela wongezelela umthetho omnye kancinane ngakumbi ukuba intlawulo kufuneka libelikulu sum of intlawulo yenyanga.

Le mali idluliselwa xesha lisaleleyo kwelo belimiselwe zicwangciselwe okanye ngesivumelwano kunye elunxwemeni. Inani Kunconywa, kukunciphisa-mboleko, nto leyo nenzala yabo incinane. Ukufeza imbuyiselo kwenxenye ye-mboleko, kuyimfuneko ukuba isicelo umsebenzi webhanki ishedyuli sentlawulo omtsha (kunye indlela enomahluko).

isivumelwano sokubambisa

Ngenxa yeendleko eziphezulu kwezindlu, iintsapho ezininzi bavumelane yokuthenga izindlu (izindlu) xa imali ixesha elide. Kweli xesha ubudlelwane phakathi mboleki kunye njengombolekisi kwiminyaka yokugqibela eli-15 okanye ngaphezulu. Ngeli xesha lotshintsho zehlabathi inokwenzeka: amaxesha usapho iqalisa ukufumana okanye ngaphezulu intlawulo ukunceda izalamane. Kukho kakhulu ngumbuzo ubhalo: "Ngaba kunokwenzeka ukuba ahlawule imali-mboleko Sberbank mboleko yakho yokuqala?" Impendulo ngokuqinisekileyo iya kuba oyingcaphephe, "Ewe." Kwaye Wena uyakwazi ukubala kufuthi kangakanani ndikunyibilikise ngokufezekileyo. Umda kuphela - le egqithisileyo kunokwenzeka kuphela emva kokuba intlawulo 4 kwi-mortgage, yaye ezili-15 amawaka engange ..

Ngoko ke, ngaba kunokwenzeka ukuba Ungayihlawulwa mali-mboleko kwi-Savings Bank? Ukususela nqaku abafundi baya kufunda ukuba kunokwenzeka nje kuphela kodwa kuyimfuneko, ukuba kunokwenzeka. IBhanki zingawisi naluphi na izibophelelo owongezelelweyo ngendlela fayini okanye izohlwayo kwaye ifuna ukungqinelana neemeko ezincinci. Inkqubo kuyafana na uhlobo ebolekwayo: nkonzo, sokubambisa, imoto.