Amene akufuna kuphunzira zimene banki amapereka ngongole kwa zaka 18

Ine ndikutsimikiza ambiri angavomereze kuti zaka zoyambilira ophunzitsidwa akufunika ndalama, chifukwa pa nthawi imeneyi a moyo munthu kufunafuna yekha ndi kumwa nsanja kuti kuzindikira yokha m'tsogolo. Conco, onse zimenezi zimafuna mwachilungamo kwambiri ndalama ndalama kuti aliyense ali. Mwachitsanzo, kutenga ndalama maphunziro apamwamba? Ndipo kuti si nkhani zonse za anyamata ndi atsikana ndalama. Zovala, chakudya, zosangalatsa - onse kuti iwo kulipira mwapadera kuti. Chinthu choyamba chimene n'loti kubwereka kwa achibale ndi mabwenzi.

Ndipo nanga bwanji ngati nawonso, sali olemera? chinthu chimodzi chokha - kubwereka ndalama ku banki. Komabe, izi si kosavuta monga izo zikuwoneka. Choyamba muyenera kudziwa chimene banki amapereka ngongole kwa zaka 18. Monga mmene moyo osati onse a mabungwe pamwamba ndalama ndithu kuthetsa nkhani, podziwa kuti wobwereka - alipidwa wophunzira. Komabe, pang'onopang'ono zinthu ophunzira ku mayunivesite kusintha kwa bwino, chifukwa pa m'badwo uno, ambiri a iwo kupeza ntchito ndiponso ndi malipiro khola.

Poganizira funso limene banki amapereka ngongole kwa zaka 18, tisaiwale kuti zinthu opereka izo si chinachake achinyamata chinasiyana ndi muyeso.

kukongoza opanda

Kumene, pamene iwo ayenera ndalama mwachangu, anthu amavomereza zofuna adzabwera awo. Ndiyenera kuchita izo? Kapena, mwinamwake, ndi bwino kukhala oleza mtima ndi kupeza chinachake yabwino kwambiri? Tiyeni tifufuze.

Choncho, mnyamatayo anapeza ndekha chimene banki amapereka ngongole kwa zaka 18. Adathandizapo kuti akupita kwa dongosolo la zachuma, amene ndodo anafotokoza kuti ndalama zambiri, iye sangadalire (mpaka rubles zikwi 50), pamene chiwongola dzanja pa ngongole ya - osati wamng'ono. Obiralovka? Inde, mwatsoka, izo ziri choncho, ndipo mnyamatayo kusintha pano sangachite chilichonse: iye kaya atavomera maganizo kapena ayi. Koma povomera, kumbukirani: mukufuna kulipira mabilu.

Amene amapereka limafotokoza zabwino kwambiri

Tiyeni kumasulila ndi zimene banki amapereka ngongole kwa zaka 18, ndi zinthu zabwino kwambiri?

Akatswiri amalangiza kuti, poyamba pa zonse, kuti ayanjane ndi maganizo a Bank ndalama, "VTB 24", "Raiffeisen Bank", "Tinkoff" ndi "Privatbank". Tikumbukenso kuti poyamba mabungwe awiri chuma ndi mapulogalamu bwino cholinga cha ngongole - iwo akupereka ndalama kwa zinthu payekha. Ngati ife kulankhula za "Privatbank", nyumba imeneyi akhoza kupereka ngongole kuchuluka kwa 150 zikwi rubles kwa zaka 4, pansi pa chikhalidwe cha 35% pa annum.

Iwo ayenera kuonedwa ndi makampani a banki "Tinkoff" Ndi chisamaliro chambiri chimene amapereka okwana 12,5% pa annum. Komabe, kwa mlingo ngati otsika chidwi akhoza kubisala nkhokwe a mabungwe chomwe kwambiri kulera.

zikalata

Nanga bwanji za zolembedwa chofunika, kuti bungwe ndalama wovomerezeka ngongole (ndalama) ndi zaka 18?

Tikumbukenso kuti chifukwa cha mpikisano waukulu mu msika, aliyense dongosolo ndalama amayesetsa kuwonjezera pa mndandanda wa makasitomala awo.

Ngakhale kuti ngongole kwa 18 mabanki nkhani kwambiri mofunitsitsa kwambiri a iwo ali wosalira ndondomeko kulembetsa wa mapepala zofunika. Ngati poyamba kunali koyenera kulembamo solvency wa wobwereka, tsopano ndi wokwanira kupereka pasipoti. Komabe, m'pofunika kuti amatchula kuti pamwamba ndi choona pa nthawi imene kuchuluka ngongole si waukulu kwambiri (mpaka rubles 30 zikwi). Ngati mukufuna kukonza ngongole kubanki kwa kuchuluka zikuluzikulu kungafunikire inu popereka mauthenga a ndalama kapena kupeza guarantors.

umafuna ngongole

Tiyeni tione kwambiri maganizo ofanana kwa issuance wa ngongole. Kodi mukhoza kupeza ngongole kwa zaka 18? Pali mitundu ingapo, ndipo ukazhdogo paradaiso. Onani wathu mini-review, kuti miscalculate ndi kusankha. Kotero ...

"Ulimi Bank"

Ichi chizathandiza bungwe ndalama kuti apereke ulemerero kwa anthu amene wakhala mfumukazi zaka rubles mpaka 1 miliyoni. Tikumbukenso kuti mawu a ngongole angathe zosiyanasiyana, kuyambira miyezi sikisi zaka zisanu. The osachepera chiwongola dzanja pa 12,5% pa annum ndi pazipita - 18% pa annum, nthawi yomweyo zikudalira pa zimene nthawi yanji ngongole. Kupereka ngongole kuchuluka kwa rubles 300 zikwi kupeza co-signer.

banki ndalama

Pamwamba dongosolo ndalama akugwirizira ndithu kusankha okhwima a borrowers ndi mwayi chotenga ngongole kwa ophunzira ndi ochepa. Achinyamata amene adatembenukira kwa ndalama Bank kwa processing ngongole ayenera chofunika kupeza guarantor, ndipo uyu ayenera kukhala achibale. Inunso muyenera kalata ya ndalama si wobwereka komanso guarantors. Kuchuluka kwa ndalama anabwereka kungakhale miliyoni 3 rubles. Iwo adzayenera kubwereranso mu zaka 5. The chiwongola dzanja osachepera ndi 16.5% pa annum, pazipita - 24,5% pa annum.

Ge Money Bank

banki adzakhala mucite kuti anthu zaka 18 ngongole ya hafu miliyoni rubles. Bwererani ndalama afunika kukhala kumapeto kwa zaka 5.

The chiwongola dzanja osachepera ndi 19,9% pa annum, pazipita - 24,5% pa annum. Zamkatimu atsikana okha mungathe ngongole zimenezi. Inde, kuti malamulo otere.

"Russian Standard"

Izi bungwe banki makamaka achinyamata chikalata ngongole "Student." Zolemba malire zilipo 150 zikwi, malinga 29% pa annum.

Mwa njira, pali nthawi chisomo. Pakuti issuance wa tatchulawa banki mankhwala wachinyamata azipereka kalata ya maphunziro kapena malipiro.

Pomaliza

Kumene, gawo lalikulu la achinyamata kukanda mitu yawo pa komwe thamo. zaka 18 - ichi sichifukwa kusiya zimenezi zingathe, makamaka m'njira imeneyi ndalama zofunikira mpweya. Komabe, muyenera kwambiri kubwerezanso kuthekera kwanu chuma ndi kuwerengera pasadakhale ngati mudzatha kulipira yake pa ngongole ya. Ngati ayi, mfundo imeneyi iyenera anasiya, osati ndi ngongole ukapolo.