How kuwana kadhi nezvakaipa chikwereti nhoroondo. Iyo Bank nenyaya makadhi nezvakaipa chikwereti nhoroondo

Kuwana chero kadhi kubhengi inyaya kwemaminitsi. Financial Masangano kazhinji nemufaro mukuru kupa kuashandisa mutengi chero uwandu mhindu, iyo inogona kunzi diki. Zvisinei, mune zvimwe zviitiko, zvakaoma kuwana kadhi nezvakaipa chikwereti nhoroondo. Unofanira kufunga kana ichi ichokwadi.

vachiongorora nzira

Credit kare - chiratidzo ose mashoko sei rakakodzera wabhadhara rapfuura zvikwereti, sezvo imwe mhando kwomushumo. Zvinosanganisira zvinhu zvose zvikwereti zvigadzirwa, mortgages, uyewo buri nemakadhi. Vanhu vazhinji vava kuziva kwavo chikwereti nhoroondo chete panguva apo anoshanda kupfungwa zvemari kuwana mumwe chikwereti. Uyezve, vanenge hapana anoziva kuti kodzero chikumbiro chaiwo Central Catalog pamusoro Credit Rine, umo mashoko zvose zvakafanira pachena zvichabviswa rakapa. Zvisinei, chete kamwe pagore unozvipiwa pasina mubhadharo mashoko akadaro. Kana paine chikonzero vakawanda bvunzo nyaya dzakadaro, zvichaita vanofanira kubhadhara. Uyezve, pane vakawanda mabasa online, kuburikidza izvo zvinoita kuti mwero muripo kuwana zvinodiwa ruzivo pamusoro zvinetso rapfuura zvikwereti, uyewo dzakasiyana-siyana kunonoka.

Credit kadhi

Saka, mashoko iwe wakagamuchira, asi zvirokwazvo zita renyu rakanga pandandanda vatengi "akatambudzika". Zvisinei, ichi hachisi chikonzero mwoyo, vamwe Bank okudenha makadhi nezvakaipa chikwereti nhoroondo. Asi kune ichi isu kuuya zvishoma nezvishoma. pfungwa All dzinofanira kuzokurukurwa zvizere.

Nzira kubva ezvinhu

Kuti Mutange, unogona kudzidza kugadzirisa chikwereti nhoroondo. Implementation izvi zvinogoneka pasi zvimwe zviito. Katsamba mashoko ingasanganisira bureaus kuti mava mumwe chikwereti kubhangi, asi unoziva kuti chikwereti chenyu yekare mubayiro zvawo. Muchiitiko chino, unogona yemutemberi kuzoitawo zvikwereti kupfungwa, kutora mubatsiri wake, iyo ichapa mashoko pamusoro chokupika basa here pasi chibvumirano ichi. Kunoguma Gwaro, unofanira pakarepo pasi nyaya chikwereti bureaus mashoko zvisiri pamusoro penyu kururamiswa. Kushanda kuti chikwereti anofanirwa batanidza kopi chitupa ichi. Muchiitiko chino, une mukana kugadzirisa kururama ruzivo.

An nzira nzira

Kana uri kushamisika kuti unogona kuwana chikwereti nezvakaipa chikwereti nhoroondo, ipapo zvingangoita kuti zvinhu sezvinotevera. Kubhadhara pamusoro zvikwereti zvayo kuva muite nokuda vavariro zvikonzero. Panyaya iyi, kubhangi anofanirawo kuzviisa magwaro kuti richava nokusimbisa ichi. Somuenzaniso, iwe waiva nechirwere kana mhosva nezviremera kuti havana kugamuchira mari nguva refu zvimwe mhando, uye vangadaro zvakaitika muupenyu hwako mamwe mamiriro ezvinhu kubva muchikwata che simba majeure. Kana kutyorwa ndezvechokwadi, zvakaoma kuti yakajeka chikwereti nhoroondo. Asi zvakadaro zvinogona kugadziriswa kusvika kugamuchira chikwereti nezvakaipa chikwereti nhoroondo. Banks kuti kupa zvikwereti, vanokwanisa nani kupindura mutengi yakadaro, pane munhu ane zvakaipa chikwereti nhoroondo. Kana taurai sangano chero emari kuti kadhi zvingangodaro kuti vamwe vavo vawane ruzivo pamusoro CI vatengi kwete kubva dhesiki, ine faira pamusoro penyu.

Inopa pamusika weRussia

zvemari Masangano vose vanofanira kutarisa mashoko nechikwereti nhoroondo yemakambani vatengi, chete vamwe vashandi kuti ichi havasi zvakare kunyatsotevera. Dzimwe yakawanda zviitiko apo vanhu vakaita kubva chikwereti nezvakaipa chikwereti nhoroondo iri mari Bank. Pasinei chokwadi kuti pane zvikuru kwazvo vaongo-, mudonzvo kazhinji zvauri kupomerwa kuti vatengi, achivapa zvaida mari iri chikwereti mari.

Unogona kutaridzwa uwandu mabhanga kuti aratidze ichi nyaya kuvimbika zvakakwana, "Tinkoff", "Russian Standard", "Home Bank", Sberbank, "GE Mari Bank", "Renaissance Credit". Vakawanda nyaya wongororo inotipa kugumisa kuti mabhanga izvi zvose dzinenge pasina kunonoka kupa mutengi mhinduro yakanaka, kunyange kana achida kuwana kadhi nezvakaipa chikwereti nhoroondo. Asi anofanira kuita zvimwe zvinhu chaizvo zvakananga. Unogona kuona mumwe nomumwe masangano.

"Bank Renaissance"

Pano, mutengi anoda kuziva sei kuronga chikwereti nezvakaipa chikwereti kare anogona kupa musiyano wezvinyorwa rurefu chaizvo chikamu, kazhinji zviri mukati 24-79%. By kadhi muganhu achatungamirira (300 000 rubles). On kufunga kunodiwa mazuva 1-2, ndikasazovapo. Tsika zvemari kukumbira zvakananga akagadzirwa magwaro, uyewo gwaro achipupura yako mari.

"Russian Standard"

nzvimbo iyi ine mukana kuti ape makadhi nezvakaipa chikwereti history, atore chikwereti ane kunonyanyisa panogumira 450 000 rubles pasi 36%. Nguva nyasha kunotora mazuva 55. Zvinogoneka kuti havafaniri kupa mari mashoko, asi magwaro, kuwedzera pasipoti, kubhangi zvinoda chaizvo.

Bank "Tinkoff"

Izvi zvinoita chikwereti sangano nechokwadi kuti paiva kadhi rine nhoroondo chakaipa kunonyanyisa chitsama mutengi (300 000) pagungano chimbadzo riri kumusoro chaizvo, 42% chete annum. Panyaya iyi, sangano haangavi kukumbira magwaro kuti vave uchapupu anokwereta mari. Maererano map nguva concessional anomukweretesa achava mazuva 55. Kana kusarudza zvakanaka, ipapo kadhi achava kuwanikwa sezvaari musi iwoyo.

Kuita kadhi paIndaneti

basa iri rinowanika nhasi mabhanga mazhinji. Kana ukashandisa sechikwereti nenzira yakadaro inoverengeka masangano, ichi yekudyidzana zvinowedzera mikana here kuti nokukurumidza uchava kadhi rokubhengi ine nhoroondo yakaipa mumwe wavo. Uye zvikuru nyore. Zvinogoneka kuti uchakwanisa kuwana kadhi nezvakaipa chikwereti nhoroondo mubhangi, apo iwe usina faira akaipa, saka imi hamufaniri kubhadhara makuru yechimbadzo chikwereti.

"Tinkoff"

Kubhangi kushanda vakananga kunyoresa makadhi uri zvikumbiro online, uye chaizvo. Ake zvakataurwa ndiko anoedza nokuti vakawanda kadhi vakawana pasina rokuenda kubhangi, kureva, pasina kusiya musha wako. Delivery kuti yeGmail.END_STRONG chinoitwa pakero raanotaura kushanda. Nokuda kwezvikwereti vakadaro nzvimbo makore mukwereti mukati makore 30-40, uye izvi panguva apo aizviti puranga makore 24-65 ekuberekwa. Kunze kwaiva "Tinkoff Bank", iro vanovimba kadhi rechikwereti panguva tsika zvinogona vanhu vane makore makore 18-70.

inotsiva

Pane dzimwe nzira yokushanda kuti ape chikwereti nezvakaipa chikwereti nhoroondo.

ichi inogona kuitwa Supermarket. Izvi zvinonzi Express kadhi rokubhengi. Its kuwana tsvarakadenga nyore, asi mubereko pachiri kukwirira.

Kubvumirwa kushandisa basa rimwe mogeji bhuroka. Panyaya iyi, mikana yokuwana kadhi vari panzvimbo yakakwirira, asi zvingava kusimba yakakwirira mwero mubereko pairi, sezvakanga bhuroka kuti basa rake zvinotora kumbonyanya yakasimba basa.

Kana kushandisa kuwana kadhi nezvakaipa chikwereti nhoroondo, ipapo tinogona akakurudzira kuti kurishandisa nemazvo, edza kwete kunokanganisa zvinhu kudzivisa matambudziko ramangwana. Nokuda kwaizvozvi wako chikwereti nhoroondo achaitwa wakaiswa, uye kuzarura nzira nemamwe mabhanga.

The chakavanzika zvinyorwa

Kana ukasarudza kuwana kadhi nezvakaipa chikwereti history, atore chikwereti kana kupinda mamwe chikwereti noukama kubhangi, unofanira kuva kungwarira wokusarudza magwaro kuti pasi kupfungwa zvemari. Kazhinji pane mamiriro ezvinhu apo munhu asina kadhi kare, kuwana mubhengi kutadza kunyange kuwana kadhi iri nyore. Uye chikonzero chiri nyore chaizvo. With chete pasipoti, zvakaoma kuratidza solvency yavo. Zvechokwadi, vakawanda izvi chikwereti nemasangano kushambadzira kunoratidza kuti ID kadhi achava kwakakwana kuwana chikwereti, asi muchiitiko chino unofanira kuva ruvara chikwereti nhoroondo kuti kubhangi kuvimba.

Pakadaro, kana zvinzvimbo wako akanaka simba, ngwarirai kupa mamwe mapepa. A kadhi nezvakaipa chikwereti kare kunogona kuwanikwa pasi ezvinhu gwaro achisimbisa basa. Kana rine ruzivo pamusoro mikana kuwana nayo chii zvakaitika basa wako chete kumabasa anopfuura makore maviri, inowedzera yekudyidzana. Information pamusoro mari - ichi ndechimwe gwaro izvo chete kubatsira. Urongwa bhangi mashoko pamusoro zvikwereti kare kutorwa, uyewo kubvunza pamusoro vakachengeteka mukuvhara - ichi ndechimwe bepa inokosha.

In pamberi kana kusavapo akarongwa yakatarwa magwaro, unogona kutaura matambudziko kwete chete nezvokuti kana kadhi iwe achapiwa, asi mamiriro ezvinhu ayo chikwereti uchava pamwe mubhengi. Somuenzaniso, kana mumwe mutengi vakauya kuwana kadhi chete ane pasipoti, zvirokwazvo ndichazvirumbidza, asi chikamu mune iyi ichava pakakwirira sezvinoita 45%. Uye kana iwe kuwana kadhi rechikwereti nezvakaipa chikwereti nhoroondo murume kwakauyawo akapa rugwaro basa uye uwandu muripo wake, anogona kudzikisa mubereko prices kuti 36-38% chete annum. Zvakaratidza kuti anotsigira magwaro havapindiri. Saka, zvinokosha kupedza nguva iri muunganidzwa yavo.

Munogonawo - MFI anogona kupa chikwereti nezvakaipa chikwereti nhoroondo, asi pauwandu hweavo achava yepamusoro zvikuru kupfuura kubhengi uye uwandu kwazvo duku.

How kuvandudza kana kubvisa CI

Panguva iyoyo, Internet zvikuru dzedu enterprising vomunyika kupa minamato kuvandudza kana kubviswa chikwereti nhoroondo yakakwana. Asi musanyanya kumeso, nekuti pane chinokosha nguva. Kazhinji muripo mabasa avo ari kumusoro zvikuru. Uye imi itai zvakakosha kuyeuka kuti iwe haugoni zvinomuomera kuikanganwa kadhi nhoroondo yakanaka. Naizvozvo zvakafanira kusatevedzera mazano aya.

A kadhi rine nhoroondo yakaipa

Chokutanga, kana iwe vazive yako chikwereti nhoroondo data, unofanira kuongorora yako unongotaura. Chokutanga ndechokuti mutengi unreliability pamusoro nonoka kubhadhara. Unofanira kudzokorora mapepa avo kuti aone kana imhosva yako. Zvinogoneka kuti pamahombekombe pacharo dzinobatsira nhoroondo gare gare. Dzimwe chaikonzera dzevanhu chinhu, kana vakanga vasina kutumwa mashoko ako, uye mumwe zvake munhau kuti chikwereti bureaus, uye imi vari kutambura ichi.

Unogona kuwana kadhi rine nhoroondo zvakaipa pamwe pamahombekombe umo une mubhangi, kana wawana kuburikidza mubayiro payo. Muchiitiko chino, uchava inishuwarenzi muchimiro dzose kuuya mari kuchikwama chenyu, saka zviri zvimwe kuti kubhangi vachabvumirwa kuwana kadhi rechikwereti naye.

Unogona kupa uye musiyano wezvinyorwa ichi chinoshamisa, sezvo chikumbiro kuti remunharaunda nebhengi diki. sangano iri zvinogona "kuvhara maziso avo" kuti ako ezvinhu zvakaipa, asi kuti zvimwe zvikonzero - nekuti cardholders dhefisiti uye simba makwikwi ari pamusika uyu.

Changing chikwereti nhoroondo

Nokufamba kwenguva uchawana kadhi rechikwereti, hapana mubvunzo. Zvisinei, zvinofanira nechokwadi kuti kubhangi, iro vakandorwa achaedza vazvidzivirire. Muchaiswa vaifanira chimbadzo pamwe risingamboshandisi chikwereti muganhu. Kana uchibvuma kuti ichi, zvino ndiwo mukana wako kushandura chikwereti nhoroondo. Izvi zvinoda kushandisa kadhi uye kudzima chikwereti pasina kunonoka. An kwazvo musimboti ane mepu ane nguva nyasha. Muchava kuiripa muzvitoro, haapfuuri Pamuganhu nyasha, kubhadhara chikwereti nenguva pasina mubereko, izvo zvichaita kuvandudza chikwereti nhoroondo.

zvakawanikwa

Sezvaunogona kuona, pane nzira yokushanda kuti chikwereti nezvakaipa chikwereti nhoroondo. Zvino pane nzira dzakawanda. Uye kana iwe kundoitora, regai kudzokorora zvikanganiso zvavo pamusoro, uye ipapo zvose zvichava zvakanaka. Zvino munoziva kuti kuronga chikwereti nezvakaipa chikwereti nhoroondo.