Bank ngongole: mitundu ndi zikhalidwe

Panopa, ngongole za ku banki akhala gwero wamba ndalama chifukwa kugula akuluakulu onse anthu ndi mabizinesi. Sazidziwa bwinobwino munthu zimavuta kuthana ndi zosiyanasiyana umafuna ngongole ndi zinthu pangongole.

Bank ngongole - kulanda munthu bungwe ngongole kapena ndalama chilli pa amalipiritsa maziko ndi chikhalidwe anthuwa patapita nthawi zina za nthawi.

Mitundu ya ngongole kubanki

Mu zachuma, palibe magawano umodzi wa ngongole kwa ena a mitundu yake. Ambiri izi gulu Zizindikiro:

• chilli kukongoza (anthu zachilengedwe, mabungwe alamulo);
• akuti (lalifupi, sing'anga yaitali, kufunika);
• Kusankhidwa (ogula ngongole galimoto, ndalama, kubweza, malonda, mafakitale, ulimi);
• kaya wotetezedwa (wotetezedwa, unsecured);
• kukula (yaing'ono, sing'anga lalikulu);
• alipire ndondomeko (kuwomboledwa umodzi kuchuluka kuwomboledwa ndi dongosolo);
• mtundu wa chiwongola dzanja (atathana-mlingo, akuyandama mlingo).

Panopa banki ngongole, dongosolo banki la Russia zikusintha: ambiri umafuna ngongole ndi zikhalidwe akukhala zambiri zosiyanasiyana.

Kenako m'nkhani tikambirana mwatsatanetsatane ambiri banki ngongole ndalama kwa anthu ndi mapulogalamu ngongole magawo zogwirizana.

ogula ngongole

Ogula - ndi ngongole kubanki zosowa mwachangu, njira imene mungathere pa cholinga chilichonse pa nzeru zake. Ogula ngongole kungakhale njira yabwino ngati ndalama chofunika sing'anga-kakulidwe, ndi liwiro ndi chomasuka kupeza ndalama ndi zofunika kwambiri. Optionally, inu mukhoza kutenga ngongole pa khadi banki nkhani kapena ndalama. Malipiro ndi zotheka ndi ndalama, ATM ndi Internet. Inu mukhoza kulipira ndi ngongole ngongole, ndalama kapena kusintha kwa nkhaniyi.

Terms ndi zinthu:

• Kubweza ngongole: kuchuluka osachepera zimasiyanasiyana pakati 15-50 zikwi, pazipita - kuchokera 500 zikwi 3 miliyoni. Kwa makasitomala ndi wopanda ngongole mbiri ndi kuchuluka kwa makasitomala kopeleka malipiro akhoza zochuluka.
• chiwongola dzanja zimadalira magawo angapo ndipo ali ndi kufala yaikulu ku mabanki osiyana.
• Akuti: zambiri linapereka nthawi mpaka zaka 5 koma akhoza anawonjezera magulu ena a borrowers kapena mtengo alonjeza. Mwachitsanzo, ogula banki ngongole Sberbank amapereka kwa zaka 20 ndi ina malo.
• Amafuna: zotheka kubweza, chitsimikizo anthu kapena mabungwe alamulo, amvekere unsecured.
• nthawi Kupenda: kwa mphindi 30 kuti masiku angapo.

ubwino:

• A phukusi ka zikalata.
• Anasintha Ndondomeko ya kulingalira ntchito ngongole.
• The yochepa chitsimikizo choti apereke.
• Control wa cholinga chowonjezera ndalama.
• Kutheka kupeza ndalama dzanja.

kuipa:

• chiwongola dzanja High ngongole ya.
• Low malire ngongole ndalama.
• Small ngongole atapita kanjedza, monga Motero, lalikulu malipiro apamwezi.
• The zaka pazipita wobwereka ndi poyerekeza pa ngongole zina.

makhadi

Terms ndi zinthu:

• ngongole kuchuluka: The pazipita kuchuluka kwa ngongole amakhala otsika, mu 100-700 zikwi rubles.
• chiwongola dzanja: mlingo wapamwamba wa ngongole yonse, kuyambira 17,9% kuti 79% pa annum.
• Akuti: zaka 3
• Security: safunikira.
• nthawi Kupenda: kwa mphindi zochepa tsiku 1.
• Grace nthawi: masiku 50-56, imene suli chidwi pa kukhwima mu moyo.
• komishoni owonjezera: Commission zambiri amapereka ndalama ndi khadi thandizo. Mwachitsanzo, mabanki khadi, "Home Mawu" "Map ntchito" ndalama 990 rubles chaka, ndi khadi "Zothandiza kugula" - kwaulere.

ubwino:

• Pamaso pa nyengo ya chisomo.
• Zambiri mgwirizano ntchito.
• Osachepera mawu poganizira.
• The osachepera anapereka chikalatacho.
• Palibe ulamuliro pa ndalama ya ndalama.
• Kutheka yodalirika mthenga kapena makalata.

kuipa:

• Mkulu chiwongola dzanja.
• Mkulu chilango malipiro mochedwa.
• Commission kuti waleka ndalama ATM.
• Low ngongole ndalama.
• Amalipiritsa pachaka chifukwa tikukonza khadi.

ngongole galimoto

Cars akhala Akufunika, koma osati ndalama zonse zokwanira kugula chotero. Bank ngongole kwa ogulidwa magalimoto amatchedwa ngongole galimoto.

Terms ndi zinthu:

• kukula ngongole: pazipita kuchuluka kwa rubles miliyoni 1-5.
• chiwongola dzanja: 10% pa annum kwa kwatsopano ndi 20% pa annum magalimoto ntchito.
• Mawu akuti: kwa zaka 5, nthawi akhoza chinawonjezeka ndi wambirimbiri.
• Ina: anagula galimoto.
• nthawi Kupenda: kwa mphindi 30 kuti masiku angapo.
• Malipiro: zambiri 10-25%, koma ena mabanki kupereka mapulogalamu ndi malipiro palibe pansi.

ubwino:

• Low mlingo pa ngongole ya.
• Uwerenge ndi wamkulu kuposa ogula ngongole.
• Short mawu a ntchito.

kuipa:

• The phukusi la zikalata zoposa kwa ogula ngongole.
• Small ngongole akuti ndi, monga Motero, lalikulu malipiro apamwezi.
• Kufunika kudzikundikira achikale.
• Control pa ndalama ya ndalama analandira.

ngongole kubweza

The malo msika ikukula mwachangu, anthu amakonda kugula nyumba ndi nyumba. Mtokoma wa kugula katundu kumachitika ndi nawo mabanki. Monga ichi, ndipo ndi kubweza ngongole - ngongole kuti agule malo.

Terms ndi zinthu:

• Kubweza ngongole: kubweza ndalama zimasiyanasiyana 100-300 zikwi kuti rubles 500 zikwi, 15 miliyoni.
• chiwongola dzanja: Malinga ndi pulogalamu kukongoza kuchokera 10,5% 25% pa annum. Mwa mitundu yonse ya mitengo kukongoza pa mapulogalamu kubweza ndi otsika.
• Akuti: ku mabanki osiyana zimasiyanasiyana zaka 15 mpaka 30.
• Ina: Lonjezo la anapeza kapena alipo nyumba.
• malipiro: kwa 10-25% ya mtengo wa nyumba.
• nthawi Kupenda: kwa sabata kwa mwezi wonse wathunthu.

ubwino:

• Luso kupanga ndalama zambiri.
• Large ngongole mawu.
• chiwongola dzanja Low
• Mwayi kukopa co-borrowers.

kuipa:

• zikalata Volumetric.
• Yaitali kulingalira ntchito.
• kulanda n'zofunika malo.
• Control pa ntchito akulimbana ndalama.

magawo ngongole

Musanayambe kusankha mtundu winawake wa ngongole ndi pulogalamu ngongole, m'pofunika kuona ngati nkwabwino, ndi kuona magawo zikuluzikulu:

• chiwongola dzanja.
• chiwombolo ndondomeko.
• Onani ndandanda wa alipire.
• Pachokera mawerengedwe chidwi.
• komishoni zina.
• ndalama zokhudzana.

chiwongola dzanja

Kufala kwa chiwongola dzanja ndithu noticeable pa mapulogalamu osiyanasiyana akubwereketsa ngakhale mu banki yomweyo. Chiwongoladzanja pa ngongole kubanki kumatengera zifukwa zambiri, lofunika kwambiri limene izi:

• kasitomala kukhulupirika. mabungwe Mawu amakonda makasitomala amene alandira iwo likuvutika penshioni kapena malipiro, komanso borrowers ndi zabwino ngongole mbiri. Pakuti m'magulu awa ntchito chiperekere mitengo ŵakwenera chidwi.
• Nthawi ndi ndalama. Bank advantageously kupereka yambiri, Koma amachepetsa ndi kuwonjezeka kuchuluka chidwi. Ndipo mosemphanitsa - yaitali nthawi, ndi apamwamba mlingo. Pa mawu yaitali mitengo ndi apamwamba pa nthawi mfundo kuchuluka kwa zisanu.
• processing liwiro. Express ngongole ndi mndandanda osachepera zikalata ali chiopsezo chachikulu chifukwa banki, kotero ngongole ngati nthawi zina mtengo kuposa 2 khola.
• Cholinga. , Pobwereka chandamale (mwachitsanzo, kubweza kapena autocredits) mtengo nthawi zonse m'munsi. Ngakhale mkati mwa ogula ngongole ndi akulimbana mapulogalamu ndi mitengo ŵakwenera chidwi (mwachitsanzo, pa chitukuko cha ulimi payekha).
• Kupezeka kwa inshuwalansi. Kupezeka kwa inshuwalansi moyo kapena imfa ntchito kungathandize kuchepetsa mlingo mwa mfundo zingapo.

Mitundu alipire ndandanda

njira ziwiri za akufufuta ntchito yolemba ndandanda alipire: annuity ndi kusiyanitsidwa.

Ngati Zithunzi lagawidwa ndalama ofanana pa nthawi yonse, kotero iye annuity. Izi mtundu wa ndandanda tsopano nthawi zambiri ntchito ndi mabanki. malipiro imeneyi Zithunzi mwezi tichipeza kuuka kuchuluka kwa akuluakulu ndi chidwi, choncho, si choncho olemetsa kwa wobwereka, monga masiyanidwe a.

Mu nthawi yake kusiyanitsidwa yaikulu kuchuluka lagawidwa ndalama ofanana pa nthawi yonse, ndi kuchuluka chidwi amachepetsa pa nthawi. Kumayambiriro kwa malipiro pangano ndi njira akufufuta pamwambapa, koma mawu a overpayment okwana ndi yopindulitsa kwambiri. Kuchuluka chidwi mu nthawi yake kusiyanitsidwa kwa nthawi yonse n'chozama kupitirira mu annuity kumene kuchuluka yaikulu N'chimodzimodzinso woyamba zochepa, ndipo malipiro ndi makamaka chidwi.

Maziko chidwi

Malinga ndi lamulo la Bank Central, Russia chiwongoladzanja pa ngongole kubanki ndi accrued kuyenda bwino kwambiri, koma ena obwereketsa mfundo mapangano ngongole monga maziko malipiro chidwi kuchuluka koyamba chikalata.

Yoyamba njira, mwachibadwa, zaphindu kwa wobwereka, chifukwa kuchuluka chidwi adzakhala ndichepe ndi chilichonse chachikulu kukhwima.

Mu chimake chachiwiri, chidwi sadzasintha pa kukhwima lonse, monga iwo masamu ndi kuchuluka koyamba ngongole.

milandu zina

Mu ndondomeko ya malipiro ngongole angasonyeze kuli malipiro zina, amene pamaso bwino kulongosola pamaso kusainira pangano ngongole.

Banks kupereka mabungwe osiyanasiyana okhudzana onse kubweza kapena ntchito ngongole, ndi mathandizidwe ake ndi alipire.

ndalama pansiyi

ndalama zokhudzana pangabuke pamisinkhu yosiyanasiyana kupeza ndi alipire ngongole ya. Pa review ndi kulembetsa ngongole ndalama ngati amaganizira ina. Mwachitsanzo, zanyumba unachitikira boma kalembera, zimene muyenera kulipira ndalama boma. Pamene chikalata magalimoto mu apolisi magalimoto ndi womangidwa pa ntchito kulembetsa komanso nkhani kuthetseratu ntchito. Ena mabanki kupereka ntchito kwa kuganizira mwamsanga ulemerero ntchito kapena kufufuza ina ya. ndalama izi, ndithudi, lolipiridwa ndi wolandira ngongole.

Chimodzi mwa zinthu kwambiri mtengo ndalama zokhudzana tinganene kuti inshuwalansi: munthu, katundu, Hull, ku imfa ntchito ndi zambiri. Insurance, monga ulamuliro, m'pofunika kuti adzikonzenso chaka chilichonse.

Ngakhale kuti chuma Russia a zikuchitika panthawi zovuta, mabanki ndi ngongole kubanki anakhalabe mu ankafuna anthu. mabungwe ngongole kupereka zosiyanasiyana mapulogalamu ngongole, ndipo anamvetsa mfundo ndi zinthu zingakhale bwino ntchito.