Kodi kusankha ngongole kubanki, osati overpay

Panopa, magombe amapereka malangizo osiyanasiyana mankhwala ngongole malingana cholinga, pamaso pa ina, nthawi pokonza yofunsira, mawu ngongole, etc. Kodi kusankha mankhwala ndi kuti overpay pa chiwongola dzanja? Taganizirani ngongole kubanki ndi mitundu yake.

Waukulu kukongoza lothandiza: apamwamba chiopsezo ulemu wa ngongole, ndi apamwamba kuchuluka kwa ngongole ya. Kuwopsa monga imfa ya zasungidwa ndi wobwereka, ndi kupeza ndalama, imfa, kuba, kuwonongeka kwa ina, palibe guarantor, yaitali kukongoza, wachikulire kapena zaka wang'ono wa wobwereka ndi zina zotero. Choncho, musanayambe kupereka ngongole kubanki, banki akufuna kuchepetsa mavuto awo ndi zofuna mawu ndalama, magazini ya m'buku ntchito, kulembetsa wa chikole, nkhani ya guarantors chimodzi kapena zingapo, inshuwalansi ndi moyo wa wobwereka ndi (makamaka pamene opereka yaitali ngongole), ndi ina inshuwalansi.

Ambiri banki ngongole - ngongole zosowa ogula. Linapereka kugula zipangizo banja, zomangamanga, zamagetsi, galimoto ndi zina zotero. Iwo agawidwa chandamale ndipo sanali chandamale. Chandamale ogula ngongole wopangidwa yekha kwa ogulidwa ndi mankhwala ena kapena katundu Mwachitsanzo, galimoto, nyumba ndi nyumba, nyumba zokonzetsera, maphunziro. Pa chandamale chiwongola dzanja ngongole n'chozama kupitirira pa anthu osakhala chandamale, chifukwa kuopsa banki angathe kusanduka chilolezo cha anagula kapena anakonza katundu monga ina.

Ngati mukufuna ndalama maphunziro, kulabadira chotero mzere ngongole ngati ngongole wophunzira ang'onoang'ono boma (mlingo ambiri - 11,25%, amene wobwereka amalipira% 5,06 okha nthawi ya phunziro kwa zaka 10) ndi wopanda ang'onoang'ono (12 % Apr kwa zaka 11). List mayunivesite nawo ndondomeko subsidizing ngongole kwa maphunziro, wavomerezedwa ndi unduna wa zamaphunziro. chiwongola dzanja pa maphunziro kwambiri m'munsi kuposa ena ngongole ogula. Komanso, pali nthawi chisomo cha alipire wa akuluakulu ndi chidwi.

Bank galimoto ngongole (galimoto ngongole) chimasiyana ndi chandamale ogula kugula galimoto pa kulembetsa ake mu lonjezo la galimoto lofunika. Kuchepetsa ngozi ya imfa ya ina, magombe amafuna kutsimikiza galimoto osati pa CTP, komanso Hull. PTSD ndi buku la kalata ya kalembera wa galimoto anagula amakhalabe pa gombe mpaka alipire zonse za ngongoleyo. Kuchepetsa Choncho mavuto banki amalola kukhala pakafukufuku chiwongoladzanja pa ngongole galimoto (kuchokera 14.5%). Mu lingaliro langa, ngati galimoto latsopano anagula kwa wogulitsa ndi udindo, muyenera kusankha galimoto ngongole, kenako chikole cha. The zifukwa: mitengo m'munsi chiwongoladzanja pa ngongole ndi tariffs otsika CASCO magalimoto atsopano. M'chaka choyamba cha ntchito galimoto CASCO kugula osati chifukwa chakuti ndi choyambilira ya gombe, komanso chifukwa cha tulo mtendere galimoto. Ngati galimotoyo anagula yachiwiri dzanja, wogulitsa ndi anzathu kapena mnzanu, muyenera formalize ndi ogula ngongole kugula galimoto popanda kulembetsa a ina. The chiwongola dzanja adzakhala pang'ono kuposa ngongole galimoto ina. Mu ngongole kubanki amakhazikitsa zofunika kwa chaka galimoto chitsanzo: zikhale "zosaposa" zaka 5-8 (chilichonse banki mawu awo ngongole, ine tchulani ambiri). Pambuyo akugula banki afunika kutsimikizira kuti inu anagula galimoto, ndipo musawononge ndalama pa chinachakenso. Bweretsani PTAs Bank ndi kalata ya kalembera wa galimoto, antchito banki ndi kukopera chikalatacho, yoyambirira yeniyeni mudzabwezedwa. Ngati inu kugula galimoto, osati akugwa pansi zofunika pamwamba, pali kanthu katsalira koma mmene kudzatunga wamba ogula ngongole kapena ngongole zosowa mwamsanga. The chiwongola dzanja pa mankhwala ngongole akuyamba pa 17-18% pa annum malinga guarantor lapansi.

Wotchuka kwambiri ndi mosavuta kwa anthu ambiri a Russia ndi banki ngongole wotetezedwa mwa malo (kubweza). Ichi ndi chifukwa chakuti chiwongola dzanja pa iwo sali osiyana kwambiri ndi chandamale ogula ngongole (12% pa annum). Zanyumba mwapatsidwa kwa nthawi yayitali, amafuna okhwima kuti solvency ndi zaka wobwereka lapansi. Monga momwe Agency kwa kubweza kukongoza (AHML), ku Russia pafupifupi kupanga kubweza kwa zaka 17, kulipira kwa zaka 10. Koma ngakhale ndi kutsekedwa oyambirira a overpayment ngongole kupeza zakuthambo. zinthu lamulo la kubweza kuti: pamaso pa ntchito mpaka kalekale, chikole katundu anapeza, ganizilani ndi inshuwalansi katundu, malipiro koyamba 10-15%.

Ngati mukufuna kupulumutsa pa chidwi banki, ayenera kusamalira ngongole mbiri yanu, malipiro yake kwa malipiro mwezi, yesani kugwiritsa ntchito kwa ngongole mu umodzi kapena iwiri mabanki amene ngongole zanu mbiri adzakhala anapanga. Zonse ndi odalirika borrowers mabanki kupereka ŵakwenera mitengo ngongole ndi mawu ufulu wochulukirapo ngongole. Yambani ngongole zanu mbiri akhoza kutsegula ngongole ngati banki odalirika kutsegula mawu ngongole, opanda malipiro chobisika. Malinga mapuwa mukhoza zina kulipira kugula panopa ndi kubweza ngongole pa chisomo preiod, popanda kulipira chidwi kwa masiku 50. mabanki ambiri "kupereka" ufulu makadi M'chaka choyamba cha utumiki.

nsonga wina amene akafuna kupulumutsa pa ngongole kubanki - kuyesera kuwatengera banki, amene khadi inu anasamutsa malipiro. Certificate malipiro ndi buku ntchito banki inu ndithudi sadzakhala amafuna komanso kupereka mitengo ŵakwenera chiwongoladzanja pa ngongole zambiri.