Chikwereti Sberbank kweRussia - magwaro uye mamiriro ezvinhu kuti tigamuchire

Mukutanga-maviri rokutanga remakore, munhu ruchiramba kuvimba huru pamusoro mari, uye izvi imhaka zvakawanda. Ndiani anoda kuti tirarame kunyaradzwa, pamwe muumbozha Yacht uye mufurati ane maonero Kremlin, vamwe vanhu vane kutsvaka mari kuti dzidzo yevana, uye vamwe vanoda kutanga mabhizimisi avo, asi havana kutanga-up guta. Munhu kugadzirisa matambudziko avo mari? Sezvingatarisirwa, zvinotora navo chikwereti tsika.

Kubhangi unyanzvi mune achivaratidza zvikwereti uye zvikwereti

Nokuti vazhinji chikwereti kubva Sberbank - ndiyo chete nzira yokubuda. Nei kusarudza kakawanda rakaburukira pamusoro mari marongerwo?

Pakutanga nokuti iye ane vakabuditsa mabhizimisi mukurumbira, dziri kuunganidza kwemakumi emakore. Uyezve, muna zvombo ane rwezvemabhengi sangano pane vamwe vakanaka anokwezva kubva nemaonero zvikomborero mapurogiramu achiposa uye mumwe nomumwe anogona kusarudza kupfuura rakakodzera kuzvipedza.

Chokwadi, chikwereti kubva Sberbank - vashoma "mugwenga" nzira, sezvo vanhu vashoma chaizvo vanoda kuunganidza zvinyorwa kuwana mari. Zvisinei, vanochengeta hapana nyaya Havadi varege zvemari nezvinhu, saka kumanikidza chaiwo zvinodiwa anokwereta. Kazhinji pane mamiriro ezvinhu apo kupfuura nehana vatengi vakaramba kuti ape mari.

Pari, chikwereti kubva Sberbank kuti yakawanda inogona kuitwa kunze zvokungoitawo matanho, kureva rubatso chibvumirano, chinhu zvinoonekera, sezvo ushe, kuchengetedzeka uye Real Estate.

zvinodiwa

Ndine chokwadi vazhinji vanoziva kuti chero urongwa zvemari Hazvidi mari "chete munhu." Somuenzaniso, chikwereti Sberbank akabudisa vanhu vane Russian chizvarwa kana vari mamiriro vasiri vagari, asi yakagamuchira kodzero yokurarama uye basa munyika yedu.

Panewo kurambidzwa zera. vanhu vanogona kuvimba chikwereti, yaiva nemakore 21 okuberekwa. Muchiitiko chino, makore vagari anopfuura 60, sezvinoita mutemo, vari kuramba chikwereti, asi ivo vane mukana kushandisa chikwereti purogiramu inokosha. Bank vashandi vari uyewo nguva dzose ukanyatsoongorora anokwereta wacho basa basa. Somuenzaniso, uri kuronga kuronga chikwereti kubva Sberbank. chikwereti mamiriro anoratidza kuti unofanira kushanda panguva iyoyo zvebhizimisi kwemwedzi dzinenge mitanhatu. Funga nezveizvi. Uyewo, rako zvachose basa ruzivo mumakore mashanu apfuura zvinofanira kuva gore mumwechete.

Uye, chokwadi, kuti vawane zvikwereti iri mari Bank, mashoko ayo dzimwe nguva ndivo disadvantageous nokuda nemhosva, zvakafanira kuti munhu ane vakabuditsa chikwereti nhoroondo. Kana pakarepo zvinoitika kuti kare imi vakaita chikwereti pane imwe yunivhesiti zvemari uye hapasi kuti tichiwana mari nekuda kwayo kukura, musashamiswa apo mumari Bank mushandi achapindura iwe wakaramba.

zvinyorwa

Kuti iwe asina kunonoka, kugamuchira chikwereti, ngwarira pamwe kuunganidzwa magwaro, izvo zvinodiwa kupera.

Chekutanga iwe zvinoda kuzivikanwa Gwaro (kopi yapakuvamba). Uyewo imi zvinoda kugovera bhuku basa, izvo zvinofanira kwerubwinyo rwakagara rwuripo vanopupurirwa nokuda mushandirwi. Uyezve, unofanira kupa mushandi ane chikwereti sangano ruzivo pamusoro uwandu mari (2-gomba). Chokwadi, nokuti vakanga vanyorwa mubhengi chikwereti, unofanira kuva rakakodzera pamwero muhoro.

Zvinofanira kucherechedzwa kuti chikwereti chirongwa mumwe nomumwe anopa mazita raida magwaro, kuwana ruzivo nezvazvo anogona kuva mumari Bank of promotional zvinhu.

bheiro

Pari, kuti usanyanya dzavo Nokurasikirwa zvemari kwemutongo mamiriro vari kushingaira kushandisa vimbiso tsika. Zvisinei, pane zvimwe nuances.

Nokuti vaya vanofarira mubvunzo sei kutora chikwereti kubva Sberbank pasina guarantors, pane chimwe chete akanaka: kana tiri kutaura mari isingadariki 45 000, hapana "inopikira" havasi zvakakodzera.

Kana munhu anotarisira kugamuchira kubva 45 000 kusvika 300 000, chinofanira kutsvaga rutsigiro co-signer. Kana munhu anoda kubetserwa anofanira 700 000 zviuru rubles, kuti auye guarantors mbiri, zvakanaka, kana iye achida hombe mari - vanhu Three vanofanira kumira sezvo guarantors mari chinhanho kubva anokwereta. Muchiitiko chino, wako mari haafaniri kudzikisa pane yavo. Kuonawo kuti sangano zvemari achivaratidza kuti chikwereti zvizhinji (kubvira 300 000), zvinoda kuchinjwa pfuma sezvo rubatso.

Chero zvazvingava, guru chikwereti muna mumari Bank pasina guarantors - ichi zvimwe ngano kupfuura chokwadi.

How mukupima "zvayakanakira" uye "nezvayakaipira"

Usati kutora sarudzo musi kana kukwereta mari mubhangi, unofanira zvose nyatsofunga uye kuti vose Masvomhu. Vachitora nechikwereti mitoro, unofanira kurangarira kuti zvakaoma yenyu inofanira kuva zvakakwana kubhadhara chikwereti kubhadharwa ari nguva. Zvikasadaro, unogona kutsvaka pachavo zvakadzama chikwereti buri.

Saka, unoda kusarudza kana uchida chikwereti kubva Sberbank. Verenga "zvinogona" nezvazvo, unogona kushandisa chaiyo karukureta inogona kushandiswa iri Yepamutemo portal of mari Bank. Kushandisa bhuku iri, unofanira kupinda kero yenyu dzokugara, anoratidza vanofungidzirwa kukura chikwereti wayo nokuripira nguva.

Ndine chokwadi mazhinji kufunga pamusoro sei zvichatora mari chikwereti kubva Sberbank. Change zvino anokweretesa chero nzira, kana iri chikwereti kana mutengi chikwereti. Kana iwe wakaita kukarukureta zvabuda, zvino regai achiisa muwadhiropu uye kutanga kuunganidza zvinyorwa anotaurwa chirongwa kabhuku anomukweretesa.

The Mhando dzakawanda akakodzera kuti anomukweretesa

Nhasi, akawandisa vanhu, kusanganisira mudyandigere zera, kuti mumwe Mutengi chikwereti ane pasi azvipire mari. Nokuti kushandiswa mari mu rubles anokwereta vanosungirwa kubhadhara 19% chete annum uye 14% chete annum dzimwe mari. chikwereti izwi nokuda 5 years.

Uyewo, pane zvino vatengi vazhinji vari kurumbidzwa kwokukurumidzira zvinodiwa, nokuti mazwi ayo haana kuitirwa kuwana guarantors uye kunyoresa pfuma sezvo rubatso. Size zvazvingava zviri 21% mune rubles uye 15% mune mari. anomukweretesa nguva iri 5 makore.

Usati ukaswedera vakakwira chikwereti, nokungwarira ongorora ose ezvinhu zvembuva yayo kudzivisa ramangwana fines, Zvirango asi achirasikirwa.