Ngongole kubweza banki: zofunika, zikalata ndi ndemanga

Kujambula latsopano unit wa anthu - banja, ambiri akuganiza kufunika nyumba zawo. Koma tsopano kugula nyumba / nyumba - mtengo ndithu. Poona zimenezi, si aliyense angakwanitse okha kukwaniritsidwa kwa loto. Koma musadandaule! Chifukwa kukhalapo mu mabanki monga kubweza kukongoza mankhwala, vuto ndi kupanda mlingo woyenerera wa ndalama angathetse.

Banks, ngongole kubweza: Kusankha yosayambitsa

Kusankha kutenga ngongole kugula malo, muyenera kusamalira kusankha kupereka yabwino kwambiri ndi wokongoza odalirika. Ngakhale ena mabanki kubweza angawagwiritse bwino allocated ndi mitengo otsika chidwi, pamene ena amafuna kuzipeleka kwa phukusi osachepera zikalata. Choncho, kunena chimodzimodzi chimene mankhwala adzakhala mulingo woyenera kwambiri wobwereka munthu, n'kovuta kwambiri. Kasitomala tinagwirizana kuti tizigwiritsa ntchito ku banki kupereka kubweza, ayenera kusankha zinthu zofunika kwambiri ndi yabwino kwa iye; ndi kuyambira unakhota izi kusankha ndi ngongole makamaka.

Kuti mwanjira tisaletse kusankha kupereka bwino, m'pofunika kuganizira mfundo yaikulu yomwe tcheru ziperekedwe mu malo oyamba:

1. kudalirika kwa gombe. Mfundozi angapezeke mu ziwerengero wapadera.
2. Pamaso pa ndemanga zabwino ndi zoipa.
3. chiwongola dzanja.
4. Kuchuluka kwa chofunika pansi malipirowo.
5. ngongole mawu.
6. Kukhalapo kapena kusapezeka kwa malipiro zina, kuphatikizapo chobisika (mungapeze mosamala yekha kuphunzira mfundo za pangano ngongole).
7. Njira alipire ndi T. D.

Mukaganizira zimenezi, kudzakhala kotheka kuti kusankha chidwi kwambiri a mabanki opereka zanyumba. Ndipo pakati pawo - mmodzi yoyenera.

Kenako Adzaperekedwa ku kubweza ngongole kubanki ndi ntchito yabwino ndalama, ankaona zofunika pamoyo ndi zinthu opereka ngongole.

banki ndalama

Bungweli ndalama wakhala m'gulu la mabungwe opereka pa ngongole ya yaing'ono. The Bank kuthi kutsogolera zikomo udindo kwa chiwerengero chachikulu cha ngongole anabwereka ndalama kugula malo. Ndipo mwina sikuli chabe! Ndipotu iye wosachita oyamba a mabungwe chobisika, ukugwira ntchito mwachilungamo ndi molondola. Mwina chifukwa chake kuti Bank ndalama ndipo anapambana kwambiri za ndemanga zabwino.

Koma si aliyense amadalira kubweza ndi banki. Choncho, bungwe atapereka ena amafuna kuti borrowers lapansi. Iwo ali motere:

• M'badwo wa kasitomala ayenera kukhala zaka 21 zakubadwa pa nthawi ya mapeto a mgwirizano ndi osapitirira zaka 75 pa kutseka ntchito.
• Ntchito zinachitikira - osati miyezi yosakwana sikisi pamalo amodzi ndi chaka kwa yapita zaka 5.

Pa nthawi yomweyo amatamanda azipereka zikalata izi:

• The anamaliza mawonekedwe ndi banki mafunso.
• Umunthu chikalata, ndicho pasipoti wa nzika ya la Russia.
• Kumasulira kuchirikiza viability ndalama wobwereka lapansi.

Ngati malipoti banki opereka ngongole kubweza adzakhala wokhutitsidwa ndi zomwe anam'patsa, kum'patsa makasitomala ngongole pa mawu amenewa (kwambiri opindulitsa mankhwala ndi chithandizo boma):

• The chiwongola dzanja la 11,4% pa annum.
• kuchuluka Loan ku 300 000 kwa 3 000 000 (m'derali) ndi miliyoni 8 rubles (kwa Moscow ndi dera Moscow, St. Petersburg ndi Leningrad dera).
• nthawi Loan kwa miyezi 12 ku 360.
• The gawo loyamba la 20% wa mtengo wa Nagula ngongole malo.

VTB Bank of Moscow

Banki, ngongole kubweza, anatenga malo wachiwiri mawu a ntchito ndalama. Ayenerere ngongole kokha munthu dzina lake bungwe la akhoza kukwanitsa zofunika zotsatirazi:

• Yokhala ndi mtundu wa Russian Federation / nzika yachilendo.
• zaka wobwereka zaka 21-60. Mu nkhani iyi, kubweza kuphimba nthawi siziyenera kukhala zaka zoposa 75.
• Ntchito mu gawo la Chitaganya cha Russia.
• Ntchito zinachitikira 1 mwezi pambuyo akamaliza nthawi chiyeso ndi 1 chaka cha nyengo yonse ya moyo wake.
• Amuna pansi zaka 27 ayenera kugonjera zikalata banki usilikali kapena kukakamizidwa kwa nepodlezhanii.

Muyenera kugonjera zolembedwa amenewa:

• Umunthu chikalata.
• Nkhani yachiwiri ndi kusankha (SNILS kapena galimoto chilolezo kapena ID asilikali ankhondo Chiphaso, kapena pasipoti panyanja a).
• Documents natsimikiza yokonza ntchito komanso ndalama.

zinthu pangongole Pankhaniyi adzakhala (mankhwala ndi chithandizo boma):

• The chiwongola dzanja la 11,15% pa annum.
• Kuchuluka ngongole ya rubles 500 zikwi.
• ngongole akuti mpaka miyezi 360.
• Prepayment 20%.

Gazprombank

Posachedwapa, kubweza mabanki ngongole anali chikalata zochokera kuthandizapo. Nazonso pano ndi Gazprombank. Iye amapereka ngongole yabwino kwambiri kugula nyumba pa zinthu zotsatirazi:

1. The chiwongola dzanja la 8,85% pa annum.
2. Loan kuchuluka kwa 3 (ena m'madera - 8) miliyoni rubles.
3. The crediting miyezi mpaka 360.
4. Prepayment 20%.

VTB 24

Monga tanena mabanki kuti kupereka kubweza ngongole, ndi ubwino ndi kuipa. Mwina akufuna mu VTB 24, zikhalidwe adzakhala ambiri kwambiri mukonda. Ndipo iwo:

• The chiwongola dzanja la 11,4% pa annum.
• kuchuluka Loan 600 000-8 000 000.
• crediting nthawi miyezi 12-360.
• Kapezekedwe ka ndalama yekha 20%.

FK "Oyamba"

Chachisanu udindo pa viability ndalama masanjidwe, amene amapanga mabanki kuti kupereka kubweza, anatenga "Inayambira" Bank. ngongole wake mawu awa:

• The chiwongola dzanja la 11,3% pa annum.
• kuchuluka Loan ku rubles 625.000 miliyoni 75 zigawo ndi 150 miliyoni rubles kwa Moscow, dera Moscow, St. Petersburg ndi Leningrad dera.
• crediting nthawi miyezi 60-360.
• Pamaso pa malipiro koyamba 20 80% ya mtengo wa nyumba.

Rosselkhozbank

Izi bungwe ndalama ili pa chimodzi mzere povota, amapereka ngongole kugula malo pa zinthu zotsatirazi:

• The chiwongola dzanja la 11,3% pa annum.
• kuchuluka Loan 100 000 kwa 3 000 000 kwa zigawo ndi 8 miliyoni - kwa Moscow, dera Moscow, St. Petersburg ndi Leningrad dera.
• Amakhala pa crediting miyezi 1-360.
• The gawo loyamba la 20% wa mtengo wa nyumba / nyumba.

Pamwamba pa kopindulitsa kwambiri ndi odalirika mabanki kubweza ankatengedwa. Kupeza ngongole kuti agule malo mu bungwe makamaka ayenera zina zofunika ndiponso kugonjera mndandanda wa mapepala ena.

Monga angalimvetse ndi zofunika ambiri a mabanki, amene kaŵirikaŵiri anakumana ndi mavuto kuti borrowers:

• Age pakati pa 21 ndi 75 wakale pa nthawi ya kutseka zonse za ngongole zaka.
• Russian nzika.
• Pamaso pa kuntchito ya chaka.

Documents chofunika ali motere:

• Umunthu chikalata (mosonyeza Russian pasipoti).
• Chikalata zina pa mndandanda operekedwa ndi banki.
• Documents kutsimikizira ntchito komanso ndalama mpaka kalekale.

Komabe, izi sikokwanira kupeza ngongole. Pali zina zabwino zambiri, amene angapezeke ndi kulozera kwa osankhidwa banki nthambi.