Ndingalufumana phi ikhadi ngetyala? Rating beebhanki, inzala kunye nohlaziyo

Phakathi abemi mboleko bethu bafuna ilizwe ngabo iibhanka ngoxolo ezahlukeneyo. Ngoku ungafumana ikhadi lamatyala kunye mda ethile. Nika iibhanki zakhe ezininzi. Ndingalufumana phi ikhadi ngetyala? Ukuba isicelo naliphi na iziko zemali kwilizwe lethu, nto leyo eya banika iindidi eziliqela iinkqubo.

Iimpawu loan

Phambi kokuba beka ikhadi lakho letyala, kufuneka uziqhelanise wena kunye ngeempawu ezicacileyo zolu hlobo lwe-mboleko:

• ubhaliso reception Easy kwaye xa kuthelekiswa nezinye iindidi ze-mboleko.
• Ngokuqhelekileyo, incwadi yokundwendwela, kunye uxwebhu olongezelelweyo.
• Eli khadi akukho ixesha elithile apho ityala ekufuneka ihlawulwe, akukho kuphela intlawulo yenyanga ubuncinane eyi.
• amakhadi Credit babe ixesha nobabalo ngexesha apho ityala mdla.
• Phantse zonke makhadi ixabiso le nkonzo.

Ukuba imithetho enjalo wonelisekile, unako ukwenza imali-mboleko. Ndingalufumana phi ikhadi lebhanki letyala, kuxhomekeke ohlala kuyo. Ngokuqhelekileyo, malunga nemizuzu engama-20 kwanele. Kuphela kwi program onjalo inika imali encinane ngomyinge wenzala we 25-30%. Ngokutsho reviews kucacile ukuba loo mboleko yenziwa kuphela xa uthelekisa nabanye, njenge nkonzo.

inkqubo yokubhalisa

Ngokusemthethweni yi ikhadi yokundwendwela ngeendlela ezininzi, konke oko kuxhomekeke iinkonzo yebhanki leyo. kaninzi:

• Kule bhanki. Olu khetho isetyenziselwa ixesha elide. Kufuneka uqhagamshelane sebe ekufutshane ebhankini, gcwalisa isicelo, uze ulindele ukuba isigqibo. Ukuze amagqabi ukuya iyure-1. Emva kokuba kukhutshwe ikhadi.
• Ugqitha i Internet. Option ingqalelo kakhulu lula. Kufuneka le site, beka umyalelo. Kufuneka ufake ulwazi oluchanekileyo malunga ngokwabo.
• ekhaya. Ezinye iibhanki anika ukuhambisa ikhadi ngeposi okanye ngekhuriya. Kwizixeko ezikhulu, sinikelwa ngokukhawuleza nakwiindawo ezikude kufuneka ukuba ulinde. Umntu akazi isebenze ikhadi ifika, kwaye lo gama ayisayi kwenziwa zisebenze kunye ayiyi kuthabatha ipesenti.

Xa ngokoluvo kubaboleki kunokuthi kubonwe ukuba zonke iindlela ukuba bayile bekhululekile, umntu ngamnye nje ukhetha ngokwakhe bekhululekile ngakumbi. Ukuba undwendwele i-ofisi ebhankini, ikhadi idla ziyafumaneka kule mini.

Iimfuneko ababoleka imali

Abemi abaninzi bangasebenzisa amakhadi ngetyala. Apho umba afumane? Ngokwesiqhelo esi isicelo senziwe nge-website okanye oyingcali, kodwa ukufumana kwi-ofisi ebhankini. Kodwa ngamanye amaxesha ikhadi ithunyelwe ngeposi okanye ngekhuriya.

Iibhanki kugxininisa abathengi zilandelayo:

• Age 18-70 iminyaka, kodwa ingahluka yebhanki nganye.
• A yokundwendwela.
• Ukuze ufumane iinkcukacha zobhaliso kunye nendawo yokuhlala.
• Ingxelo yengeniso.
• Iinkcukacha zoqhagamshelwano.

Ayizizo zonke ibhanki kufuneka ukuqinisekisa ingeniso yakho. Ukuba ungenisa amaxwebhu malunga yomvuzo, izinga ingacuthwa, kodwa lona ke ngabanye.

ekunika yeebhanki

Ndingalufumana phi ikhadi ngetyala? Rating kweebhanki unokwenziwa usekelwe yokuthandwa kwayo phakathi abathengi:

• Sberbank of Russia. Iziko uya kukhutshwa ikhadi "Momentum", kodwa kuphela kubaxhamli nkampani, ukuba kukho isithembiso. Umda ungaba kuze 120 lamawaka. Engange kwindawo ethile umyinge wenzala ka-25.9%. Ukwelixesha loxolelo luyasebenza iintsuku ezingama-50, njenge nkonzo simahla.
• "Post Bank". Apho ungenza ngokukhawuleza ukufumana ikhadi ngetyala? Owayesakuba "Summer Bank" inikeza inkqubo ukukhupha "Mail Express". Kuyo uyakwazi ukukhetha i umda. Kuyimfuneko ukuba ngokukhawuleza ukwenza iintlawulo ubuncinane, kwaye ukuba akukho ityala, inzala ka inkonzo azifumaneki.
• "Alfa Bank". Amaziko Financial apho ungafumana ikhadi lamatyala zinika iimeko ezahlukeneyo. "Alfa-Bank" ikuvumela ukuba ufumane ikhadi ukuba imizuzu engama-40. Zibekele ngamnye imali apho le nzala iye ibalwe. Izinga yi 47,9%. Ithuba ubabalo iintsuku ezingama-60 okanye 100. Kuba kufuneka ipasipoti enye uxwebhu olongezelelweyo.

• "Credit Ekhaya". Ukuba uyazibuza apho ungafumana ikhadi lebhanki letyala, kufuneka uqhagamshelane ebhankini. bayamenywa abathengi ukuba ngokusesikweni inkqubo "ukuthenga Quick", nto leyo iba ubhaliso simahla kunye nolondolozo. Umda ingaba ukuya ku-300 lamawaka engange, izinga -. 34,9%, ngelixa yemali - 49,9%. Ukwelixesha loxolelo ziintsuku 51.
• "Tinkoff". Ndingalufumana phi ikhadi lebhanki letyala, "Tinkoff"? Kufuneka uqhagamshelane ibhanki ze ugcwalise isicelo online. Umda yi amawaka 300. Engange. Ingakanani imali eza kufumaneka, ibhanki isigqibo. Kodwa kwiinyanga ezintandathu kamva, kumyinge zandiswe. Ukwelixesha loxolelo ziintsuku 55. Ireyithi ibalwa ngo-24.9%, kodwa xa uthe watsala imali, kuya kuba 45,9%.
• "Renaissance Credit". "IKhadi Sula" ekhutshwe yi nencwadana leyo yokundwendwela. Kufuneka ugcwalise ifomu intanethi okanye ukutyelela ebhankini. Esi sigqibo senziwe zingaphelanga iintsuku-2 zomsebenzi. Limit - amawaka 300 engange, kwaye ukwelixesha loxolelo ziintsuku 55 .. Rate - ukususela-24%.
• "Raiffeisenbank". Ikhadi sikhutshiwe ukuba nencwadana leyo yokundwendwela. Phezulu ku 150 lamawaka engange, kwaye ukuba ingeniso iqinisekisiwe -. Amawaka 300 engange .. Izinga le-24%. Ixesha umdla-free - ukuya kwiintsuku ezingama-50.

zamakhadi kunye nezinye iibhanki. Ngoko ke, kukho ezininzi iinketho apho ungafumana ikhadi lamatyala in nencwadana leyo yokundwendwela. Kuyimfuneko kuphela ukuba ukhethe iyanikela kakhulu linomtsalane atyelele iziko lemali. Ukuphonononga kubaboleki abonisa ukuba bahombise ikhadi kufuneka ibe njengelinge lokugqibela, kuba uthathe imali-mboleko umboleki ayibizi kakhulu.

Yintoni na izinga lenzala?

Izinga lenzala kwimali-mboleko lusekiwe isekelwe phezu zinto zilandelayo:

• Ukunyuka kwamaxabiso: eliphezulu oko, kungona rate.
• Izinga kwi mboleko zizodwa ukuba ibhanki akanayo imali yayo ngenxa ngetyala, ucela uncedo kumaziko ezinkulu zemali.
• Iindleko: kwezinga lenzala zifakiwe kwi kwimivuzo yabaqeshwa, irenti, ulondolozo-ofisi.
• Inzuzo: abhalwe kwi kunikezelo iindleko ngetyala.
• Iindleko zonyaka: mboleko kuxhomekeka kwixesha lonyaka. Ngexesha leholide kwaye phambi uNyaka oMtsha imfuno mboleko ukunyuka, ngoxa iidiphozithi uwa, ngoko kula maxesha Irhafu kunyuka nge 5-6%.

lokuphumelela ebhankini nganye iiseti efanayo. Ukongeza, ukuba kuyimfuneko ukunikela ingqalelo ukuba kukho inkonzo ihlawulwe. Inzala kwimigangatho ezinkulu kangako kuthelekiswa imibutho amashishini amancinci. Kodwa ukuba ukubheja encinane, khangela ngenyameko mboleki.

Nokuba abantu abakhubazekileyo banikwa amakhadi?

iibhanki ezininzi ezisebenza eRashiya, zikhuphisane omnye komnye. Ngokuba kukho abathengi abanyanisekileyo. Ukuba ibhanki akufuneki ukuba ukunika ingxelo yengeniso, kwakunye ukunika inkcazelo malunga indawo yomsebenzi, ngoko ukufumana itoti mboleko kunye nabemi beli abangaphangeliyo. amaziko ezemali kuphela ukukhusela iingozi inzala eliphezulu. Indima ebalulekileyo kwimbali samatyala mboleki. Ukuba HIV, nto idla mboleko zekheshi ezivunyiweyo. Ezinye nababolekisi ifuna ukunika SNILS okanye iphepha-mvume lokuqhuba.

Ubuhle nobubi

Ngokutsho ingxelo yabathengi, nekhadi banamalungelo zilandelayo:

• Uphengululo ekhawulezayo yesicelo nokubonelelwa kwenkxaso-mali.
• amaxwebhu ubuncinane.
• Iinkqubo ezikhoyo bonke abemi.
• Imali irhoxisiwe nangaliphi na ATM.
• iiterminal Intlawulo ngaphandle uthuma.
• Ukwenza iintlawulo nge-intanethi.
• singabalelwa Umdla isithuba saphambi korhafelo.
• mda ewuhlaziyayo.
• Ithuba inxaxheba kwiinkqubo bonus.

Ilishwa, nigweba yi-ncomo, zimi ngolu hlobo lulandelayo:

• izikhonkwane High.
• imali Sithelisiwe.
• Umgca encinci ngetyala.
• amakhadi abaninzi abanayo chip kunye negama, ngoko ke ukhuseleko oluncinane.

Phambi kokufaka ikhadi kufuneka athathe ingqalelo elungileyo nengalunganga koko. Ngokuqhelekileyo iibhanki zinika iimeko ngamnye ukulungiselela kubaxumi, amazinga kunye imali ingahluka njalo.

izincomo ababoleka imali

Ngaphambi kokuba isigqibo ngezintlu ibhanki ungafumana ikhadi lebhanki letyala, kufuneka uziqhelanise wena kunye tips for kubaboleki. Khumbula ukuba kukho intlawulo eyongezelelweyo ithathwa le nkonzo. Kwimeko ekulibaziseni umdla yesohlwayo kunye emiselweyo. Okokuqala inikeza amazinga aphantsi, kodwa kunye nokuqwalaselwa mboleko iza kuba phezulu.

Uyacetyiswa ukuba isicelo ebhankini, nto leyo esele amalungiselelo-mboleko. Ngokuqhelekileyo, abathengi banikwe amagama kakuhle ngakumbi. Ukuba kukho ibali positive, ngoko, njengoko umthetho, isicelo samkelwe. Kufuneka kwakhona thelekisa imiqathango yeebhanki ezininzi kwaye khetha ikhadi zifanelekileyo.