Chikwereti Student pamwe Sberbank 18: zvinoitwa kunyoresa, mamiriro ezvinhu uye wongororo

zvinodiwa mari dzidzo dzakawanda masangano. Kazhinji, mari kunyange yakakwirira kuti mari kwakadaro kunogona kuva. Zvadaro unogona kutora chikwereti mudzidzi zvaipiwa Sberbank. Wakapiwa kwenguva refu uye anobvumira kufukidza zvose kudzidziswa.

pfungwa

chikwereti mudzidzi kunoita kuti vawane mari vagari, vadzidzi iri akaripa hwaro. Mari inowanika isiri mari chimiro, sezvo rinoshandurwa kubva pamahombekombe kuchikoro vakasarudzwa. kutengeserana uku hunodzorwa chibvumirano. Payment rinoitwa zvikamu kwetemu imwe neimwe. Naizvozvo inosiya kushandiswa mari. Uye vadzidzi havana ngozi pakuva vakadzingwa vasiri kubhadharwa.

Tsika yasarudzwa vanofanira kuva chibvumirano ne PJSC "nemari Bank", uyewo Bazi redzidzo rezinesi kuitisa basa rokudzidzisa. Zvino Masangano aya anopfuura 180. Pane zvakarongwa pane mumayunivhesiti Russian:

1. Moscow State University.
2. MGIMO.
3. Vanhu Friendship University.
4. Medical University. I. M. Sechenova.

zvakwakanakira

chikwereti mudzidzi ari rakapa kubhadhara dzidzo basa iri yepamusoro uye yechipiri masangano edzidzo. By kukweretesa zvakanakira dzinosanganisira:

• Kudzidza chimiro haina kufungwa;
• mari anogona vabhadhare nokudzidziswa;
• ¾ refinancing rinoitwa kushandisa mamiriro dzinopiwa;
• hapana muripo;
• It haatarisiri kuchengeteka uye inishuwarenzi.

mamiriro

выдается в рублях. With tudenchesky chikwereti chokurovedza anopiwa mu rubles. The zvazvingava kunobva chikamu refinancing of Central Bank of Russian Federation, izvo anoita pamusoro nguva vanyorwa okutambirwa kuripwa kondirakiti. Zvinofungirwa kuti 25% of refinancing mwero iri vaibhadhara nemhosva, uye 75% - hurumende. chikwereti Student rinotaura mari iri dzidzo. Kana kufungwa pamasikiro mutengi wacho solvency.

Akapa chikwereti kwenguva kurovedza, riri kuwedzera gumi, kodzero yose muripo. Pane nguva nyasha. An ekisitenjeni chingava panguva yokudzidza uye 3 months sezvo kuchengeterwa. Vatengi hazvitsivi muripo weUS nokuda issuance yacho chikwereti. Uyewo, haufaniri kuva Software uye kuronga inishuwarenzi.

Rakapa mudzidzi chikwereti makore 18. Kana ake ndichipfeka vaitengeserana sangano pasi, unofanira guarantors. Vangave vabereki kana vamiririri kuitarisira. The anokwereta anofanira kuva zvechigarire dzokugara mvumo uye Russian citizenship.

mutengapwe nzendo

chikwereti mudzidzi kubva Sberbank zvichagoverwa panguva ndima inotevera mumatanho:

• achizadza ari kushanda;
• gadziriro magwaro;
• kukwidza mari Bank kana kuti sangano yedzidzo;
• tichimirira kubhangi wacho;
• kusaina chesungano;
• chikwereti.

In kutengeserana uku kwangopera. Zvazvinosarira chete nenguva kubhadhara chikwereti mukati waakaudzwa nhamba.

zvinyorwa

Kuti tiwane mudzidzi chikwereti kudzidza mari Bank, kuunganidza mapepa kwaidiwa pamahombekombe. The Pamazita zvinosanganisira:

• sungano kupfungwa vakasununguka dzidzo;
• pasipoti;
• chitupa kunyoresa;
• kunyora kushanda;
• Billing bepa, nekanzuru urongwa edzidzo kuti yechikoro.

Kana anokwereta kusvika makore 18, mamwe magwaro:

• Mumiririri pasipoti;
• mvumo kubva kuitarisira;
• zvakanyorwa mvumo, izvo wakabudiswa mumiriri pamutemo;
• chitupa chekuzvarwa.

Zvinofanira kurangarirwa kuti zvikwereti vanopiwa panzvimbo kunyoresa munhu anoda kuzochera, uye kuwana nzvimbo.

Inopa kubva kumahombekombe

Mari vadzidzi inopa akawanda nzira kuti chikwereti:

1. A chikwereti ane vimbiso. Akapedza zvaaikwanisa zvinodikanwa siyana. The chikuru chinodiwa kugona kubhadhara. Zvakakosha kukoka 2 rubatso vomuUmambo Russian. Kana mudzidzi ari pasi 21, vabereki vanogona kuva guarantors nguva dzose mari. Inishuwarenzi kuti ape hako. Asi pamusoro mari kupa inodiwa. Chikumbiro anonzi kutsanya. Yaida mari iri kuwanda 45 zviuru -. 3 mamiriyoni rubles. The zvazvingava kungava 19,5-24,5%. Zvikwereti zvinopiwa kwenguva 2 kusvika 5 years.

2. Educational chikwereti. Mari richaperera chete nokudzidziswa. Anokwereta vanofanira kupa uchapupu solvency. Verengai kushoma pakati 45 zviuru rubles, uye panguva mwero -. 12%. Mari kuti chikwereti ikoko. achirumbidza kumwedzi anobva 1 mwedzi makore 11. The nemhosva kunogona kusiya mubhangi kana kuwana guarantors. Muchiitiko chokutanga chakaitwa inishuwarenzi zvakakodzera. Experience kunodiwa kwete asingasviki 6 pemwedzi. Kana anokwereta asina mari dzose, zvakakodzera kukoka co-anokwereta. Rinogona kutorwa sezvo zvizere mari kana muzvikamu.

3. Loans pamwe nehurumende rutsigiro. Mari yakawandisa muripo, kana chikwereti refinancing. Zadzisai solvency hazvifaniri kuva. We funga kushanda kweinenge vhiki. Basa mwero 5.6%. Credit anopiwa kwenguva kurovedza. Inishuwarenzi kuti ape hako. Hakuna muganhu pamusoro uwandu. An ekisitenjeni zvivepo yose nguva kurovedza uye imwe 3 months. For mukupera mubhadharo achafanira kubhadhara faindi 0.5%.

4. Youth kadhi rokubhengi. Zvinonzi rakapa vanhu nemakore 18. The zvazvingava achava 24%. It unoshanda nguva nyasha mazuva 50. Card basa achafanira kubhadhara 750 rubles, uye ayo kusunungurwa hakuna makomisheni. Nokuti makasitoma muri bhonasi zvirongwa kubva Sberbank. The mepu ane chip. Credit unopirwa uwandu 3-200 zviuru. Rubles. The kadhi ingashandiswa kuchengetera uye kushandisa mari uri woga. Dzosa mari pamwe basa 3-4%. Zviri chinodiwa kubhadhara chikwereti mukati memazuva 50, saka handigoni overpay. Kana paiva kurashikirwa muripo, mwero achisimuka 38%. Iva muridzi kadhi vangasangana nezvakaitika kune 3 months. Zadzisai wako mari haisi zvakakodzera. View ruzivo pamusoro chikwereti anogona kuva "Sberbank Online".

Nzira kuti tigamuchire

Pane nzira nacho chikwereti mudzidzi akaita. Features kuwana nyore: mari iri Kutamiswa ne isiri mari kubva rokubhengi mu sangano iri rokudzidzisa.

Itai chikumbiro sechikwereti kunogona mubhangi muhofisi kana Website. The Nzira yechipiri runoonekwa kuva nyore. Pashure tendero zvichiita kuti vanyorese kuti chibvumirano, achitaura mashoko ari kutengeserana.

mutsividzo

Muripo anofanira kuitwa pamusoro pamwedzi purogiramu, izvo zvinosanganisira mbiri nguva:

1. Akaenzana nguva kunonoka nezvezvakaitwa, kureva, ya nokudzidziswa uye 3 months. Rinoreva muripo afarire kushandisa chikwereti. Fee pazuva, zvakafanana nguva yokudzidza kuvhara.
2. Rinotanga kubva kugumiswa yacho kunonosa. Ipapo richafanana kubhadhara chikwereti muripo uye mubereko.

yemhando mutsividzo

Izvi chikwereti zvinogona kubhadharwa pachine. Nekuti iri mashoko zvinosanganisira mari musi, mari, nhoroondo iyo mutsividzo achange kuitwa. Musi muripo kunogona chete kuva kushanda zuva.

Kana mukupera mubhadharo zvinokosha kuti kubhadhariswa mari, izvo zvakaenzana 20% chete annum uwandu kunonoka. Zvichaita kuita pamwe wechikoro.