Mboleko Commercial - a ... ukubolekisa ishishini Small. Bank credit: iintlobo mboleko

Ukuza kuthi ga ngoku, iibhanki ngeenkqubo ezininzi ezahlukeneyo mboleko. Mboleko unokunikwa ukuxhasa amashishini amancinane kunye nezinye iinjongo. Kule mihla, abantu abaninzi babe mboleko yebhanki. Iintlobo mboleko ezizezona ethandwa phakathi kwabantu: mortgage, umthengi, mboleko zemoto kunye namakhadi ngetyala.

Imali kakhulu eninzi

Kukholelwa ukuba imali yeyona nabizayo nkonzo, kwakunye credit cards. Oku kungenxa yokuba i-IKhomishini inalo phezu kwazo ngamaxesha zabaxwa, ngokubanzi, ukuba unako ukufikelela ukuya kwi-50% ngonyaka. Nangona kunjalo, i-mboleko eyona ibiza i-mboleko. Ezigqithisileyo ziya kuba amakhulu kunye nezigidi engange. Kodwa nangona ezi meko, zininzi amavolontiya abangathanda ukuthatha imali-mboleko yebhanki. iintlobo mboleko iza kuxoxwa ngezantsi.

lokuthenga

Ngaba ethandwa kakhulu phakathi kwabantu. Amaxesha amaninzi, abantu uyithabathe ibe nokuthengwa zombane ekhaya enkulu: .. Isibandisi, umabonwakude, kumatshini wokuhlamba impahla, njl Unako ukuhlawula iinkonzo ngenxa kuye kweminye imizi-mveliso, ezifana ukuthenga itikiti ukuya wokuhamba. ngokoMthetho mboleko isusela ukusuka kwiinyanga eziliqela ukuya kunyaka. Yahlulahlulwe yaba iindidi ezimbini: bucala kwaye non-ngemali. Umzekelo, umxhasi kufuneka kuthenga ifriji. Yena uza kungena kwivenkile, ukhetha imveliso ekunene kwaye ebhankini, nto leyo enika kuye credit target.

Uhlobo lwesibini mboleko ekhutshwe ebhankini ngokwayo. Umntu liqulunqa isivumelwano, uchola imali efunekayo bachithe imali ngokwengqiqo yabo. nyanga izayo umboleki uhlawula ebhankini isixa esiqingqiweyo.

mortgage

mboleko Mortgage ekhutshwe ukuthenga ezithengiswayo. izindlu wathenga inokuba lesibini okanye abe izakhiwo ezitsha. Isiqinisekiso se ukuhlawula imali-mboleko, nozuzwe indlu okanye enye nemihlaba ephethwe yi-nye umnikimali nomamkelimali. Iibhanki ekunikezeni le nkonzo, kufuneka ahlawule Isavenge sokuqala, efikelela kwi-10% yamanqaku ewonke. Ukongeza, loo mboleki kuya kufuneka ukuba inshorensi mhlaba uthengiweyo kunye nempilo yakhe. Zonke iindleko zemali ziya kuhlawula mboleki. Imiqathango iintlawulo zokubambisa ukususela-10 ukuya kwiminyaka engama-30.

Car Loan

Autocredit esikhutshwe ukuze ukufumana imoto entsha okanye inkxaso. Kulo mzekelo, lo mboleki kuya kufuneka ukuba inshorensi inkqubo zabo zempilo kunye auto CASCO. ekuvuthweni imali-mboleko - kwiinyanga ezimbalwa okanye ngaphezulu.

ikhadi lamatyala

credit card inkqubo yentlawulo lula kwaye ethandwa kakhulu nabantu abaninzi. Kuyenzeka ukuba ukuhlawula izinto ezithengwa ezivenkileni. Imali kule mephu idwelisa ibhanki. Ukusebenziseka credit card ukuba ungenza naziphi na ukuthenga ngaphandle kokuba imali. Kodwa kukho ethile ebalulekileyo - ephezulu kakhulu izinga lenzala. Kwimeko ukuhlawulwa kade, kulandele izohlwayo eziqatha.

credit izibambiso

Kulo mzekelo, banikwa isixa esithile kwi impahla isibambiso, umzekelo imoto. Eyona ethile ezingundoqo mboleko hlobo nokuhlawulwa kwamatyala lwexesha elifutshane.

mboleko orhwebo amashishini amancinci

mboleko Commercial - yinto yokutshintshiselana ngqo phakathi kwemibutho ezimbini. Umbutho lokuqala unika imali, kwaye eyesibini kubo ukunika nayiphi na imveliso okanye inkonzo. Le mboleko yeyona ndlela ilungileyo ngenkxaso-mali kumashishini amancinci.

mboleko zoshishino Small kaninzi kwenzeka ngenxa ngetyala zorhwebo. Olu hlobo mboleko-mboleko zoqobo, elikhutshwa yibhanki. Kunikezelo credit olunjalo kufuneka lwenziwe phakathi kwemibutho zorhwebo. Umongo ephambili mboleko kukuba umbutho omnye libonelela ngemali enye imveliso okanye inkonzo, kwaye macala omabini utyikitye isivumelwano kwaye isivumelwano. Ngokomzekelo, inkampani omnye uthengisa omnye iitoni ezingama-20 ngentsimbi. Iindleko ithani kule meko 4000 engange. Phantsi isivumelwano, intlawulo iza kwenziwa emva kweenyanga-7 emva kokugqitywa yingisela. Kwimeko yombutho ihlehlise, ezafumana mboleko, oko kunyanzelekile ukuba ahlawule amanye% 5 isixa ngentsimbi wathengisa nyanga nganye.

credit ikakhulu commercial

Xa indima otyalwayo abanokusebenza abathengi nje kuphela kodwa abathengisi. Kwimeko yokuqala, umthengi yenza isixa esithile imali mboleko yorhwebo. Le pre-intlawulo imveliso okanye inkonzo. Ukuba nje umbolekisi wenza umthengisi, xa isamkela i mboleko ibalwa kwixesha apho umthengi linyanzelekile ukuba ahlawule ityala. Kukho kwakhona ithuba ukuhlawula imali ngezavenge. Kodwa ke kule meko iya kubonelelwa izinga lenzala.

Izinto eziluncedo ezingundoqo ngetyala yorhwebo iphesenti into asezantsi kakhulu kunokuba kwiibhanki eziqhelekileyo. Le eziluncedo ziquka inyaniso yokuba mboleko kawonke - kufuneka macala nje emibini. Umthengi lowo unikwe ithuba ukuthenga nje izinto awusebenzeleyo akwazi ukuhlawula ngoko nangoko. Kwaye ke umthengisi uya nizalise isiseko sabathengi. Kubalulekile ukuqaphela ukuba izinga lenzala sele ifakiwe kwamaxabiso eemveliso. Umbutho zingabonisa zombini zinika mboleko, afumane. Le nto yenza kube lula ukonga kakhulu iindleko zemali. Kungenxa kubolekisa amashishini amancinane kuqhubeka amagama kakuhle kakhulu.

Bobubi eziphambili ubalisa umda yorhwebo reserve nomthengisi. Kwaye kunjalo, ukwandisa izakhono zalo, umbutho isoloko isetyenziswa ekubaleni iitshekhi kunye namatyala. Kwakhona, kukho i-risk ethile ukuba umthengi nga siyabhanga nje yaye musa ukubuyisa imali ngexesha. A eqhwalela inkulu ixesha elifutshane-mboleko. Kodwa abanye imibutho ukunika abathengi kunye nentlawulo kuhlehliselwe.

Ke ukuba izinga lenzala, kule meko kunye umxumi ngamnye kuxoxwa ngamnye. Ukuba isivumelwano ubonelela ukuba umbolekisi inika obolekayo na imali, kwaye nezinto ukuba umyinge wenzala yi iyapheliswa. Ukuba mboleki ibe kophulwa isivumelwano semali-mboleko, kufuneka uhlawule isohlwayo. imali isohlwayo nelinye icala ngamnye. Ukuba isivumelwano lingasiniki esisigxina inzala, kusetyenziswa izinga ekufuneni imali. Ukuba umboleki akafuni ukuthethana izinga lenzala, kungathatha mboleko ebhankini yorhwebo.

Types of mboleko yorhwebo

mboleko Commercial - olu hlobo lwe-mboleko, lwahlulwe ngokweendidi eziliqela: a kota iseti intlawulo, intlawulo emva nozalisekiso lwazo zonke iimpahla,-akhawunti evulekileyo. Kwimeko yokugqibela, umbutho ifumana mboleko ukuze uhlawule ezidlulileyo. Kokuba ikhutshwe kuphela ezo iintlangano zisebenza ndawonye ixesha elide.

Ziziphi ezinye iintlobo mboleko yorhwebo? Kukho kwakhona ngetyala iphepha, obonelela kunikezelo amaxwebhu ezizodwa bill. Ngokwala maxwebhu, umboleki kufuneka ukuba ahlawule isixa esithile yombutho kwaye lingaphelanga ixesha elimiselweyo. Ukuba kukho yingqiqo imveliso entsha kwaye ifunwa akunakwenzeka ukuqikelela, sebenzisa olu didi boleko umthwalo. Kulo mzekelo, umthengi obuyisela-mboleko kuphela emva kokuba ukuqaliswa kwazo zonke iimpahla. Kungenjalo, impahla ziya kubuyiselwa intlangano enikiweyo-mboleko.

Kukho olunye udidi mboleko yorhwebo - onyaka. iimveliso umenzi uyakwazi ukugcina imali ukugcinwa kunye nokugcinwa, kwaye umthengi nga inzuzo ukuthengisa impahla ngexesha yokuthengisa onyaka. Ukuba umthengi obuyisela-mboleko kwi ixesha, kusenokuba isaphulelo yona. Amaninzi oko 1-3%.

isivumelwano

Amaxesha amaninzi, isivumelwano yorhwebo mboleko yenziwa ngabo benza inkqubo yoshishino. Ukuze usebenzise imiqathango nenzuzo yemali-mboleko, kufuneka aphumeze ikhontrakthi ngokuchanekileyo. Ukuba iimeko yesivumelwano yokubolekisa icaciswe gca ngempazamo, kunokuba nzima kwakhona kwintlawulo Umbutho semali-mboleko yorhwebo. Ukuze uphephe oku, landela le migaqo:

• Okokuqala, ukuba isivumelwano ubonelela intlawulo kuhlehliselwe, kuyimfuneko ukubonisa ukuqokelelwa nkampani-mboleki kunye iintlawulo umbolekisi ngenxa ngokubonelela ngemali-mboleko zorhwebo.
• Okwesibini, kuyimfuneko ukuba ukhankanye ubungakanani sentlawulo, kunye nemiqathango apho kuya kwenziwa. Kubekho ngonyaka okanye yonke imihla, yaye uya kuxhomekeka kwimali enikiweyo.
• Okwesithathu, kubalulekile ukuba le nto imiqathango ngetyala kunye nemiqathango kule mvumelwano yabekwa emva kwicandelo luxanduva ngamaqela. Kubalulekile ukuphawula ukuba intlawulo kwakhona ngokusebenzisa ngetyala akukho umlinganiselo uxanduva. Ukuba ngokoMthetho mboleko zezi kwicandelo imbopheleleko zamaqela, xa kuthe logxeko loo nto iya kuthathwa njenge ntlawulo isohlwayo. Ngenxa yoko, oko kuncitshiswa okanye inkundla ukwala ukuba ahlawule.
• Okwesine, ingongoma ebalulekileyo kakhulu kwisivumelwano kukuba intlawulo yokusetyenziswa mboleko zorhwebo luzakuqala ukusuka kumhla yokwenza imisebenzi ethile okanye ekuthunyelweni kwempahla hayi ukususela kwixesha kokulibazisa. Ukuba nto yaphukile, inkundla iya kuqesha kwetyala intlawulo yesohlwayo.

Ngokusekelwe ngasentla kube ephila. Amaqela asayina isivumelwano ngokwemigaqo intlawulo elityazisiweyo nekude. Oku kuthetha ukuba umthengisi inelungelo lokubiza isixa esithile ukusuka kumthengi ukuba ukusetyenziswa ngetyala yorhwebo. Intlawulo ye-mboleko iqala ekuthengisweni kweempahla kunye kutsho kumhla wokugqibela ochaziweyo ukuvuthwa. Umlinganiselo wenzala yi 0.1% yeendleko yempahla athengiswe wamwisela usuku ngalunye ukusetyenziswa kwe-mboleko. Kwimeko ukwaphuka izivumelwano, ikhadi ayikho umlinganiselo uxanduva, oko kwentlawulo yokusetyenziswa kwe-mboleko.