The chiwongola dzanja pa ngongole akhoza yafupika!

Pakali pano, mapulogalamu otchuka kwambiri ngongole ndi: magalimoto ngongole, ogula kubweza ndipo sanali akulimbana. Pang'ono anthu zochepa ndilembe ngongole maphunziro a ana, mano chithandizo, kukonza, kusintha nyumba, paulendo kunja ndi zina ndi cholinga chapadera.

Pakuti aliyense wa mitundu ya kukongoza anapereka ake mlingo womwe chidwi, osachepera ndi mtengo pazipita potsata mfundo zina zabwino zambiri za pulogalamu ya kubanki. Ngati inu muiwale kwa kanthawi za mitundu ya kukongoza, n'zotheka kuti zimene pati lero zimasiyana ndi chiwongola dzanja 7 40%.

ogula ngongole

Unafotokoza kuti kugula katundu ndi zipangizo, komanso ntchito zapakhomo malipiro. Iwo akhoza anakonza mu nthambi gombe, ndipo mu sitolo mipando kapena zipangizo, malinga ndi katswiri ophunzitsidwa kulembetsa ntchito yanu. Ogula ngongole mtengo, ngati inu kutenga wambirimbiri ndalama - mlingo kuti 29%. Popeza kuti mawu a ngongole ndilo yaing'ono (zambiri mpaka zaka 5), malipiro analipo okwana 13,000 rubles, ndi overpayment -. 280 000 rubles. Mpaka 500 000 rubles. Pamatenga 15-18% (malipiro - 12 000 rubles, ndi overpayment 220.000 rubles ..). Koma pa nthawi yomweyo, ngati mukufuna kupereka zochepa (mlingo osachepera chidwi ngongole ya - 14%), ndi bwino kupereka banki otchedwa ina kwa ngongole, amene atha kutumikira ngati chikole cha katundu kapena chikole.

Auto ngongole

10,5-24% - awa ndi ntchito muyeso wa chiwongola dzanja pa ngongole galimoto. Mu ndondomeko kugula latsopano mlingo magalimoto yachilendo n'chozama (11-13,5%), latsopano zoweta galimoto (12-15%). Mkulu chiwongola dzanja pa ngongole chikuyambika, ndithudi, magalimoto yachiwiri dzanja: yachilendo - avareji 16.5%, zoweta - mpaka 24%. The apamwamba zingati, m'munsi mlingo. ziwawa chidwi zakonzedwa mu zochitika zapadera: ngongole zolemba 2 alibe satifiketi; kugula magalimoto kwa ogwira ntchito a.

kubweza

Mtundu wa ngongole zapatsidwa kwa ogulidwa nyumba: nyumba, nyumba zing'onozing'ono, mwina pamodzi ndi dziko. Palinso ndondomeko kugula chipinda ndi kugawana nyumba.

The chiwongola dzanja pa ngongole ndi ranges kuchokera 9 mpaka 21%. zikusiyana Ichi ndi chifukwa mkulu makhalidwe luso nyumba. Mtengo kugula nyumba ndi nyumba yatsopano, mu nyumba yomangidwa kumene mu 1-1.5% zodula, zodula mtengo nyumba pa msika sekondale. Chiwerengero wotsikitsitsa idzaululidwa ngati inu kupanga malipiro lalikulu pansi kwa nyumbayo.

Program ya kubweza kukongoza chiwongola dzanja pa ngongole - izo si limasonyeza malipiro a mwezi uliwonse. Kuti izo anawonjezera ngati inshuwalansi pachaka (0.4-2% kuchuluka ngongole), mitundu yonse ya mabungwe, zomwe zikhoza kupewedwa ndi mukamudziwa kufufuza banki udindo waukulu - kuthera osachepera mwezi kusankha pulogalamu abwino.

cholinga ngongole

Linapereka zofuna iliyonse. Plus, pulogalamuyi ndi makasitomala ndi asakumane ndi kuti mwachindunji cholinga chimene iye akutenga pa ngongole kubanki. utumiki Banki "adzamasula" ambiri "dzanja" ndipo walola borrowers ndalama zosowa iliyonse. Koma ... pali dongosolo ndi opanda - mlingo mkulu chidwi.

mapologalamu oterewa amatchedwa mabanki osiyana: ngongole ndalama, ngongole pa kukhulupirirana. Ndalama zochepa pa izo - 13%, pafupifupi - 15% koma akhoza kukhala mkulu monga 40% (ngati mukufuna ndalama mwachangu, popanda guarantors ndi zikalata). Iyi ndi njira mtengo kwambiri ngongole.

The chiwongola dzanja Mzimuyo mmene inu overpay mwayi kutenga ngongole ku banki. Mtengo wotsika kwambiri wa lero anali kubweza ndi galimoto ngongole, mu malo lachiwiri - ngongole ogula ndi mtengo kwambiri lero ndalama ngongole popanda maumboni aliyense, guarantors kapena ina. Koma aliyense wa ndondomeko, mukhoza kupeza njira kuchepetsa mlingo wa: kupereka zikalata zonse kubanki, kupeza co-borrowers (kapena guarantors) kupereka ina kapena lalikulu koyamba malipiro (pa nkhani ya kubweza ndi galimoto ngongole).