Home Credit Bank - chikwereti chevatengi: mitemo nemamiriro

Vashandi vechikwereti ndivo mhinduro yakakwana yekubhadhara vamwe. Kudiwa kwemari kunowanzoonekwa, uye haisi nguva dzose kugone kubhadhara mari kune vanozivana nehama. I "Home Credit" bhadha inopa chikwereti chemutengesi. Maererano nekuongorora, zvakajeka kuti kune vanhu varipo vane mamiriro ezvinhu akanaka ekugamuchira mari mune chikwereti. Iwe unongoda kuzvidzidza nezvinodiwa uye zvikamu zvekutengesa.

Zvikwereti zvevatengi zvinogona kusangana nezvido zvezuva nezuva zvevanhu. Izvo zvinopiwa nezvezvinhu uye mari, uyewo zvinotamirwa kumakadhi ebhangi. Zvinowanikwa mumabhanga akawanda enyika.

Pamusoro peBhangi

Bhizinesi rave richikurumidza kuwedzera mumusika weRussia kubvira muna 2004, apo matavi akazarurwa mumatunhu akawanda enyika. Mubazi rimwe nerimwe mune mukana wekubhadhara zvikwereti uye zvikwereti. Kubva kubva mumitemo yeMFI, basa racho rakapinda muchirongwa chebhangi chaive chichigadziriswa, chakawedzera huwandu hwemabasa ayo. Kubva muna 2007, bhangi, iro rine chireisheni, yakatanga kukwezva mari dzisina mari kubva kuvanhu, zvichiita mari. Saka yakatanga kukura auto- uye mortgage chikwereti.

Mumatambudziko, nhamba yepamusoro iyo inowira muna 2009, kwaiva nekuvhara kwezvirongwa zvebhengi dzakawanda, asi Home Credit ichiri kupa zvikwereti kuvanhu vese. Izvi zvakaunza kubudirira kukuru kumasangano. Mushure mematambudziko, bhangi iyi yakabata yakava imwe yepamusoro. Iye zvino vateereri varo ndivo masangano epamutemo uye vanhu.

Shanda nevanhu

Home Credit inonyanya kukohwa kune mumwe nomumwe. Muchiitiko ichi pane mazano mazhinji, saka vatengi vanogona kusarudza purogiramu ipi zvayo yakada:

1. Kurumidza kugamuchira mari. Somuenzaniso, unoda mari yezvinodiwa zvezuva nezuva, asi hapana mari yako pachako. Ipapo kukwereta ne "mari inotsvaga" kuchabatsira kubvisa dambudziko iri.
2. Kubudisa chikwereti chemari, kurapwa, zvekurima, dzimba. Chikwereti chichadzoka kwemakore akawanda.

Mvumo yezvinodiwa zvezvino ndeye marudzi maviri:

1. Pasi pezvinhu. Chibvumirano chinotangwa, umo mazororo emwedzi anoratidzwa. Mari iyo yakanyorerwa mu "Eldorado".
2. Cash pane kuchengetedzwa kweimba.

Chikwereti mamiriro

Kuti uwane chikwereti, unofanira kutumira Home Credit Bank. Mari yechikwereti, ayo ayo anogamuchirwa kuvanhu, anopiwa zvakakurumidza zvikuru. Iwe unogona kushandisa paIndaneti kana nefoni. Mukushanda kunokosha kuti tati:

1. F.I.O.
2. Pauro.
3. Zuva rokuzvarwa.
4. Foni yefoni.
5. E-mail.

Iko kunofanira kutarirwa chekucherechedza pamusoro pemvumo yekwereti kune kugadziriswa kwemashoko evanhu, pamwe nekuwana ruzivo kubva ku BCI. Chisarudzo chechikwereti chinotorwa neHome Credit bank. Mutengi wechikwereti chekushandisa achabatsira muchengeti kuverenga zviyero zvakaringana zvebhadharo, asi iyo chaiyo inogona kugoverwa chete mushure mokugadzirisa basa racho.

Une Home Credit chikwereti chikwereti chekukwereta. Zvikwereti zvevatengi zvinofanira kuitwa mushure mokuverengwa. Zvakakosha kuti muchengeti azive nezvemamiriro, maitirwo, mwedzi dzemwedzi.

Documents

Kubudisa chikwereti, unofanira kupa pipoti. Varume vari pasi pezera remakore makumi maviri nemaviri vanoda chikwangwani kubva kuhofisi yehurumende kana tikiti yehondo. Uyezve, unogona kuwedzera imwe nyanzvi:

1. Pamusoro pemotokari.
2. Passport.
3. Chikoro chepensheni.
4. Inishuwarenzi.

Kuti atore chikwereti, mutengi anofanira kupa rugwaro pane solvency. Inogona kuva:

• Kopi yemashoko pamusoro pekambani, umo mari uye mari yezvikamu zvitatu zvekupedzisira yakanyoreswa;
• Pakutanga PTS;
• Ipasipoti inotsigira rwendo rwegore rapera;
• Purogiramu yekurapa;
• CASCO inishuwarenzi.

Inopa kubva kubhangi

Inopa zvirongwa zvakawanda zvebhangi "Home Credit". Chikwereti chemutengi chinogona kubudiswa kune umwe wavo:

1. "Mari yakawanda." Yakabudiswa kusvika kumazana zviuru makumi maviri zveRuble pa19,9%. Chirongwa chacho chinotorwa kusvika mazuva mashanu. Zero rechikwereti - kusvika pamwedzi 60.
2. "Pension". Yakapiwa kusvika zviuru makumi mashanu zveRuble pa19,9%. Chibvumirano chakaitwa kumwedzi 48.
3. Refinancing. Zvinokwanisika kugamuchira kusvika kumazana zviuru makumi maviri zveRuble pa19,9%. Nguva yakareba ndeye mwedzi 60.

Ikoko kunogona kuva nemunhu mumwe chete anopa, iyo iyo "Home Credit" bhangi inopa kune vatengi vayo nguva dzose. Mari inotengwa nevatengi inowanikwa muRubles. Mashoko avo anotsanangurwa muchibvumirano.

Zvinoda

Zvichienderana nezvirongwa zvepurogiramu zvingasiyana. Asi kazhinji vatengi vanoda kuve vagari venyika yeRussia, kubhadhara, nzvimbo yekusingaperi yekuwana mari. Mari inopiwa kune vagari vane makore 18-68.

Kuda kunopiwa kune vatengi vane chitupa chenhoroondo yakanaka, pamwe chete neavo vanoshanda kubhangi kakawanda. Muchikamu chega chega chirongwa chinogona kusiyana, saka chinofanira kuwanikwa panzvimbo yepaiti kana muhofisi yebhangi.

Nhamba

Kuti uwane ruzivo rwakarurama pane zvekutengeserana, unofanirwa kuonana neKe Home Credit Bank. Chikwereti chemutengi, chikwereti chechido ichocho kune mutengi wega wega angave akasiyana, inowanzobudiswa kubva pa19,9%. Nokuti mumwe nomumwe anokwereta mutengo achave munhu oga. Kuti udzidze, unofanira kutumira Home Credit Bank. Chikwereti chemutengesi, chido chinowanikwa mukonesheni, chinoitwa nokukurumidza.

Ko chikamu chinorehwa zvakadini?

Iwe unogona kupa chikwereti munguva pfupi. Kuti uite, haufaniri kutumira Home Credit Bank. Zvikwereti zvevatengi zvinobudiswa kubva pane shanduro iri paIndaneti. Inofungidzirwa kusvika mazuva mashanu, asi kazhinji kwenguva pfupi. Kana chisarudzo chakanaka, iwe unogona kushanyira bhanhire kuti usayine kontrakiti.

Mari yezvinhu

Vashandi vanogona kukumbira mari yechikwereti chemidziyo yemumba kana vakashandura kune mabhii makuru. Uyezve vanogadzirirwa zviyero zvemafaira, zvibvumirano, fenicha. Kubatana kwebhangi nemasangano akawanda kwakamubatsira kuwedzera huwandu hwezvinhu zvinogona kukweretwa.

Nzira yekunyora inotora inenge maawa 0.5. Muteereri anopiwa nguva yemwedzi 3 kusvika ku60, uye chikwereti chemari yacho inogona kuva mumatanda 1,5 - 850 zviuru rubles. Kukumbirira chikwereti, akakwereta anofanira kuva nemari yakasimba uye ruzivo kubva pamwedzi 6.

Kubhadhara chikwereti

Unogona kudzorera mari nenzira dzakasiyana-siyana ku "Home Credit" bhangi. Zvikwereti zvevatengi zvinowanzobhadhara uchishandisa:

• Bhizimisi mari madheski;
• Terminals;
• Mail yeRussia;
• Makombiyuta emakombi "Taurirana", "Rapida", "Eleksnet";
• Kubhadhara kubva kubasa;
• Bhidhi kadhi.

Nzira dzakawanda dzinokubvumira kuti uwane mari pasina hutungamiri kana nemari shoma. Kuti ubhadhara chikwereti nguva isati yasvika, zvakakosha kushanda kuKodenga Bank Bank. Mariro yevatengi ichavharwa mushure mekushandiswa. Iwe unofanirwa kuwana huwandu hwaunofanira kuripa. Izvi zvinogona kuitwa zvose mubhangi uye pafoni. Nekubhadharwa kwekutanga, muteresi achakwanisa kuponesa achifarira, sezvo mari yacho ichadzorerwa zvakare pasina kuifunga.

Kubhadhara paIndaneti

Kufanana nehutori hwemamwe mabhizimusi mabhidhiyo kadhi rechikwereti. Nezvo, iwe unogona kubhadhara chikwereti kunze kwokusiya pamba. Basa racho richabatanidzwa pakarepo painyoresa kontrakiti uye achitsanangura nhamba yefoni.

Hapana mapepa emafaira anodiwa kuti ashanyire hutamende yako. Unogona kumushanyira pashure pokugamuchira mari. Basa racho richava nyore kune vanhu vanogara kure nemashandi ekuzviitira. Zvose zvakakosha ruzivo pamusoro pekutengeswa kunoratidzwa ipapo.

Mazano

Kana uchida kuenda kune imwe nyika, zvinokurudzirwa kuisa mari shomanana mberi. Mune nguva yakatarwa nekontrakiti, mari ichazobviswa. Asi nekubhadhara kwokutanga kunokosha kushanda kubhangi.

Mutengi wega wega ane kero imwe chete. Kana pane chikwereti chekubhadhara chikwereti chimwe, chikamu chemari chinoenda kubhadhara imwe. Vatengi vakawanda vanotendeukira kubhangi kakawanda. Mutengi achave nemukana wakanaka wekubvumira chikumbiro nechirongwa chekwereti chakanaka, uye kana mwedzi inopfuura 6 yapfuura sezvo chikwereti chekupedzisira chakabudiswa.

Pros yebhangi

Home Credit Bank ine zvinotevera:

• Kunyora kunotsvaga;
• Single rate;
• Hapana bhaari uye guarantors inodiwa;
• Mari inobudiswa pasina mahofisi;
• Mutengi ane chisarudzo chezuva rokukura;
• Nzira dzinoverengeka dzokubhadhara;
• Connection inshuwarisi.

Iwe unogona kuwana yakawanda yezvakanaka mhinduro pamapurogiramu ebhengi emari. Vakawanda vatengi vanovimba nechirongwa ichi, vachiita zvikwereti zvakanaka mairi. Vanokwereta vanogutsikana nekushayikwa kwemakomisheni, pamwe chete nemitengo inogamuchirwa. Zvakakwana kubhadhara chikwereti panguva yakakodzera, uye ipapo bhangi ichapa mazano akanaka ekubatsirana.

Kubatsirwa uye kuipa kwekwereti yevatengi

Usati watanga chikwereti, iwe unofanira kuongorora zvinobudirira uye zvakanakira zvekutengesa. Nemhaka yezvipo zvinotevera, zvikwereti zvevatengi zvinosarudzwa navanhu vazhinji:

1. Kuramba. Vatengesi vanogona kuvimbiswa nemasangano, sezvo yakashanda kwemakore akawanda.
2. Available rates. Ivo vakagadzirirwa nemhando, nguva yekwereti, uye vanovimbawo nezvakawanda.
3. Basa rokutanga kubhadhara. Nokubhadhara kwokutanga kwemari hapana mahofisi uye mari.
4. Hapana zvakavanzika mahofisi.
5. Izwi rekubatirana riri nyore.
6. Chikwereti chekubhadhara chikwereti chinokubvumira kuti uverenge muyero, mwero wekubhadhara pamwedzi zvichienderana nemari yako.
7. Kubatsira nguva dzose kune vatengi kuburikidza nebasa rekubvunza foni.

Asi kukweretesa kwevatengi kune zvisingabatsiri. Havasi vose vanopiwa mari yakawanda, sezvo zvinhu zvose zvichienderana nemari. Chikwereti chevatengi inzira inoshandiswa kutenga chinhu chakakodzera kana basa. Asi nokuda kweizvi mari yakawanda inobhadharwa. Saka, iwe unofunga kufungisisa usati wasayina kontrakiti.