Kuba abo bafuna ukufunda ngento ebhankini unika mboleko ukuya kwiminyaka 18

Ndiqinisekile abaninzi bayavuma ukuba Iminyaka yokuqala ngokukodwa kufuneka imali, kuba kunjalo inqanaba lobomi umntu ukhangela yena ulungisa eqongeni ukuze aqonde ngokwayo kwixesha elizayo. Ngokucacileyo, konke oku kufuna utyalo zemali ebonakalayo ukuba asinguye wonke ubani. Apho, umzekelo, uyithabathe imali yemfundo ephakamileyo? Kwaye yiloo nto yonke impahla abafana namantombazana imali. Impahla, ukutya, ukuzonwabisa - bonke ukuba anikele ingqalelo ekhethekileyo. Into yokuqala ethi qatha engqondweni kukuba ukuboleka nezalamane okanye abahlobo.

Yaye kuthekani ukuba, kakhulu, kodwa sisityebi? Inye kuphela into - ukuboleka imali ebhankini. Nangona kunjalo, oku lula njengoko kubonakala. Okokuqala kufuneka wazi apho ibhanki enika mboleko ukuya kwiminyaka eli-18. Njengoko yokusebenza ibonisa, ayizizo zonke amaziko zemali ngasentla elihle ukusombulula umba, esazi ukuba umboleki - umfundi njengesiqhelo. Noko ke, ngokuthe ngcembe imeko kubafundi kwiiyunivesithi iyatshintsha ukuba ngcono, ngenxa yokuba abakule minyaka yobudala, abaninzi kubo ukufumana umsebenzi yaye umvuzo izinzile.

Ukuqwalasela lo mbuzo apho ibhanki enika mboleko ukuya kwiminyaka eli-18, kufuneka kuqatshelwe ukuba iimeko yokubhalwa iyingozi into kubantu abatsha zahlukile umgangatho.

yokubolekisa thabatha

Kakade ke, xa kufuneka imali ngokukhawuleza, abantu uyavuma kokufuna ukubuya kwabo. Ngaba ndiya kuyenza loo nto? Okanye, mhlawumbi, kungcono ukuba ibe nomonde aze afumane into efanelekileyo? Makhe uphando.

Ngoko ke, lo mfana bafumanisa ngokwam ukuba ibhanki unika mboleko ukuya kwiminyaka eli-18. Zikhululekile ukuba uya isakhiwo mali, oluthi wachaza ukuba isixa esikhulu semali, akakwazi ukubala (ukuya ku amawaka 50 engange), ngelixa izinga lenzala kwi mboleko - hayi yancinci kakhulu. Obiralovka? Ewe, ngelishwa, ukuba kunjalo, kwaye ukutshintsha mfana apha akakwazi ukwenza nto: yena nokuba uyavuma eso sindululo okanye hayi. Kodwa ngokuvuma, khumbula: uya kuzihlawulela ngokwakho iindleko.

Onikela imiqathango kuFeliks

Makhe ukuchaza noko ibhanki unika mboleko ukuya kwiminyaka eli-18, kunye nemiqathango kuFeliks?

Iingcali bacebisa ukuba, kuqala kwiinto zonke, ukuba uqhelane kunye nezindululo ze-Savings Bank, "VTB 24", "Raiffeisen Bank", "Tinkoff" yaye "Privatbank". Kufuneka kuqatshelwe ukuba amaziko ezemali ezimbini zokuqala neenkqubo eziyilelwe-kakuhle yemali-mboleko - banikela imali neemeko zomntu ngamnye. Xa sithetha "Privatbank", esi sakhiwo nga zinika mboleko kwimali-150 lamawaka engange iminyaka 4, phantsi imeko-35% ngonyaka.

Kufuneka kuqwalaselwe isithembiso ngaseludinini "Tinkoff" ngenyameko enkulu, nto leyo inika ezingama-12.5% ngonyaka. Noko ke, ukuba eliphantsi wenzala ezo efihla nendawo yokugcina yeMisebenzi leyo lingaphakamisa kakhulu.

imiqulu

Ngoko ke, kuthekani amaxwebhu afunekayo, kwiziko zemali credit evunyiweyo (cash) kunye kangangeminyaka eli-18?

Kufuneka kuqatshelwe ukuba ngenxa ukhuphiswano enkulu emarikeni, isakhiwo mali ngamnye yenza konke okusemandleni ukuze nongeze uluhlu kubaxhasi babo.

Nangona into yokuba iibhanki mboleko 18 umba ngokuqhutywa yintliziyo kakhulu, abaninzi babo kuye lula inkqubo yobhaliso kwamaphepha eziyimfuneko. Ukuba ngaphambili kuyimfuneko ukuba abhale malunga yokuhlawula amatyala lo mboleki, ngoku kwanele ukunikeza yokundwendwela. Nangona kunjalo, kubalulekile ukuba siyavuma ukuba ngasentla kuyinyaniso ukuba kwiimeko apho imali-mboleko ayikho inkulu kakhulu (ukuya kwi-30 amawaka engange). Ukuba ufuna ukwenza amalungiselelo mboleko ebhankini ukuze isixa-mali esikhudlwana, olunokufuneka ukuba ukunika ingcaciso kwingeniso okanye ukufumana guarantors.

inikeza credit

Makhe sihlolisise eyona isindululo eqhelekileyo kunikezelo mboleko. Apho ungafumana ityala kangangeminyaka eli-18? Kukho ezahlukeneyo eziliqela, yaye ukazhdogo iimpawu zayo. Uhlole i mini-ncomo, kungekhona xa wayebala kunye ukhetho. Ke ...

"Bank Agricultural"

Oku kuvumela ziko zemali ukukhupha udumo abantu abaye uwagqibile amashumi engange ukuya kwizigidi 1. Kufuneka kuqatshelwe ukuba lokuba nemali-mboleko ekungabonini ukusuka kwiinyanga ezintandathu ukuya kwiminyaka emihlanu. Elona wenzala ebekwe kwi-12.5% ngonyaka kwaye ubuninzi - 18% ngonyaka, ngexesha elifanayo kuxhomekeke ekubeni, xa yintoni ixesha ixesha na ukungena ematyaleni. Ukubonelela yeentengo zemboleko xa imali amawaka 300 engange ukufumana i co-yaho.

yebhanki yokonga

Ukuma zemali ngasentla ibamba kakhulu ukhetho olungqongqo lweenkqubo nemigaqo ye kubaboleki, kunye amathuba okufumana ematyaleni abafundi lincinane kakhulu. Abantu abaselula ubuyeleyo Savings Bank for processing mboleko kufuneka kufuneka ukuba bafumane iziqinisekiso, yaye oku kumele kube izalamane. Kananjalo kuya kufuneka isiqinisekiso sengeniso ayikho nje umboleki kodwa guarantors. Isixa-mali waboleka kunokuba ukuya kwizigidi ezi-3 engange. Baya kuya kufuneka ubuyele kwiminyaka-5. Elona wenzala yi 16.5% ngonyaka, ubuninzi - 24.5% ngonyaka.

KaWonke Money Bank

Ibhanki iya kukhupha abantu kwiminyaka 18 sentengo yemboleko efikelela kwi kwesiqingatha sesigidi engange. Buyisela imali kuya kufuneka ukuba ube ekupheleni kweminyaka-5.

Elona wenzala yi 19.9% ngonyaka, ubuninzi - 24.5% ngonyaka. Contents amantombazana kuphela kuyocelwa mboleko. Ewe, ukuba izithintelo ezinjalo.

"Russian Standard"

Eli ziko logcino ngokukodwa kubantu abatsha ekhutshwe ikhadi lamatyala "Student." Ubukhulu ezifumanekayo 150 amawaka, ngaphandle-29% ngonyaka.

Hi ndlela leyi, kukho ixesha ubabalo. Kuba kunikezelo zikhankanywe ngasentla imveliso zokubhankisha umntu oselula kufuneka angenise isiqinisekiso imali okanye umvuzo.

isiphelo

Kakade ke, ukuba inxalenye enkulu yabantu abatsha besonwaya iintloko zabo phezu apho ukuthatha ngetyala. eyi 18 - oku akukho sizathu ukuze bashiye ithuba enjalo, ingakumbi kwimeko apho imali lifanelekile umoya. Nakuba kunjalo, kufuneka nzulu uhlole isakhono sakho zemali uze ubale kwangaphambili ukuba uza kukwazi ukwenza iintlawulo kwangethuba kwi-mboleko. Ukuba akunjalo, kulo mbono kufuneka kushiywa, kungekhona ukuba ebukhobokeni ematyaleni.