Le pesenti isezantsi yemali-mboleko - ukufumana njani?

Imfuneko imali eyongezelelweyo ibonakala luninzi lwabantu. Esinye sezisombululo esingcono ingxaki-mboleko ebhankini. Kodwa akukho namnye iintswelo, aze aqalise ukufuna indawo idinga kwanala ipesenti-mboleko.

Njani na kwi-mboleko?

Lo mgaqo-credit kwamaziko zebhanki kwasekwa ngale ndlela. Bank izuza imali evela Central Bank of the Russian Federation kwimeko engcono ngesantya ekukhutshweni kwemali, kanti okubi - ye izinga iqhosha.

Kuba mali-mboleko ingasetyenziswa, yaye imali egcinwe ebhankini, kodwa ucofe ngokupheleleyo imali akunakwenzeka. Ngethiyori, iimali ezo kukhutshwa kunye ipesenti ephezulu kancinci irhafu iidipozithi. nangoku Bekuya kuba nenzuzo. Noko ke, zasebhange bakhetha ukwenza inkqubo efanayo ngetyala kwaye hayi ukwahlula izibonelelo ezikhoyo. Ngenxa yoko, kwanala ipesenti-mboleko ziya kube ngaphezu isitshixo umyinge wokuphelelwa Central Bank 30-40 ekhulwini. Le ndlela leyinene.

Ziziphi iimpawu eziya kunceda umboleki ukunciphisa izinga lenzala?

Umboleki iya kwizigaba ezininzi zovavanyo. Ibhanki nokuba wadala iinkqubo eyodwa ngokukhawuleza ngokwesiseko lemibuzo ukucwangcisa ubungakanani lokuqala izinga lenzala. Ngenxa yoko, ukufumana imali-mboleko kakuhle, ipesenti encinane kufuneka ukuba "imali".

Ngoko ke, makhe sibone oko eziya kunciphisa lo mfanekiso, yaye leyo, phezu koko, ukwandisa.

Makhe siqale kwiinkalo ezakhayo:

• kwemali ngempumelelo-mboleko, esithathwe kwi ibhanki efanayo, wayeya 'thethana "ekhulwini ezimbalwa.
• ukubuya ngempumelelo mboleko athathwa kwenye ibhanki, hayi ibalulekileyo kunjalo, kodwa kuya kunceda.
• Idipozithi ebhankini ukuba isixa endilisekileyo ngokuqinisekileyo uthetha baxhasa umboleki. Ubukho bakhe - phantse 100% ye siqinisekiso mboleko ikhutshwe.
• Property ubunikazi, ingakumbi ukuba liselikho zinokuhonjiswa kuphela kwi sicelo.
• Lo matshini kule propati. Konke kuxhomekeke kuhlobo imoto, apho unako.
• factor Positive - ingqesho ezisemthethweni, ngakumbi ukuba amava umsebenzi mkhulu kakhulu.
• Ukunika uncedo kwezi fom 2-emhadini.

Ziintoni iimpawu ze umboleki kungachaphazela ukunyuka ngokwepesenti?

Iimpawu ezimbi nayo ngokwaneleyo. Makhe siqale ezo ngokupheleleyo ukuvala amathuba yokufumana ebolekwayo:

• imbali elibi kwicala lamatyala.
• Ubukho enetyala.
• Ukunqongophala kwemivuzo (akukho msebenzi, ishishini).
• Ubukho lwepropati babanjwa enkundleni.

Olunye uluhlu iimeko kuba kukho umqobo ukufumana ezifunwayo imali mboleko, kodwa mboleko asezantsi izinga lenzala ukuba nje musa ukuvumela:

• imali encinane wathi kwindawo yengqesho okanye ishishini.
• Ukungabikho izindlu ezithengiswayo kule propati.
• Ukungabikho kobunini imoto.
• Isinyanzelo ukuba ahlawule inkxaso umntwana.
• UMboleki abatsha, oko kukuthi, ubudala bayo ngaphezu kancinane ngaphezu kweminyaka engama-21.
• yokuba kubekho ukulibaziseka ekuhlawulweni kwemali-mboleko yangaphambili.
• Kwi ingeniso ingxelo yi-Federal Tax Service aluyiyo kunye nesiqinisekiso zebhanki, zizaliswe kungekho yengeniso esemthethweni.

Kakade ke, le ndlela akukacaci kakhulu. Enyanisweni, iinketho okuninzi.

Indlela ukukhangela elizayo yomboleki?

Ukuze ufumane asezantsi umyinge wenzala kwi-mboleko, maxa wambi kuyimfuneko ukuze usindise yokuqinisekisa ngamazwe. Okokuqala yonke data evela lweeprofayile umphathi isebe ungenela ikhompyutha, apho ucwangciso olukhethekileyo uya kuvelisa uhlalutyo data. Xa sincokola ngayo amaziko microfinance, ukuba kwesi sigaba idla zonke iziphelo. Izibonelelo ezininzi amaziko afana musa ukutsala. Kodwa izikhonkwane kukho mihle.

Xa sithetha, umzekelo, umnqweno ukufumana imali-mboleko umboleki, ipesenti lisezantsi zinako ukunikezela ngokukhawuleza, ukuze kuyilibazisa kumthengi. Kwimo yokusebenza, kuqala zingeniswe amaxwebhu iyahlolwa ukunyaniseka, yaye emva koko - kunye nembali ngetyala. Umphathi nga nokuba umnxeba inkampani apho sicelo usebenza nokungeniswa ulwazi. Kodwa izenzo ezinjalo kukukhokelela iimpazamo ngenxa entengo. Kuyinto kakhulu kakuhle kakhulu ukuya nje kwi Pension Fund ka-database ubone zonke izityholo, apho kwenziwa ngokungqinelana yomvuzo esemthethweni. Ngoko ke kwenziwa.

Yimalini ukufumana?

Ukuba ukubala uye phambili kwanala ipesenti-mboleko, mboleki kufuneka ingeniso ukuba uyahlangabezana athile criteria. iibhanki elihle isekelwe kwinto yokuba iintlawulo kwi-mboleko akufunekanga ibe ngaphezulu kwama-40 ekhulwini yomvuzo. Kungenjalo, lo mboleki akayi kuba banokwaneleyo abangaphila ngako, kwaye uya kuqalisa ukuba angalibali iintlawulo.

Kubonakala olu hlobo ukuxhomekeka: iimeko zivuma-mboleko zinika kuphela abemi indawo nempumelelo ngokwasemalini. Nangona nje babe kuhlawula ngaphezulu. Kodwa kwathi kuvulelwa.

Indlela ukukhetha ibhanki?

Siye zakhokelela izinto ngayo iibhanki aye abathengi "lula". Kodwa kukho imiqathango ngazo ukukhetha iziko lamatyala iyakwazi ukunikezela mboleko mali amazinga enzala asezantsi.

Inyathelo lokuqala kukuba sibe nomonde, lo msebenzi ayikho elula kakhulu, kwaye kufuna ixesha elaneleyo. Iskim eyiyona amanyathelo imi ngolu hlobo lulandelayo:

1. Cazulula imeko imarike yeentengo zemboleko nkonzo.
2. Thina ukufunda iziphakamiso kweebhanki. Kumaziko ne nxaxheba karhulumente Iipesenti iimeko ezincinci kodwa ilukhuni.
3. Ukuthumela isicelo-intanethi kwiibhanki zakho ozithandayo.
4. Iziphakamiso zihlolisiswe kuqala ekhaya uze - kule ofisi.

Kuhleli ukwenza ukhetho, ukuqokelela amaxwebhu kwaye uqale ubhaliso.