Ndezvipi mabhanga kunobatsira kutora chikwereti? Kuwana chikwereti: Conditions, zvinyorwa

Usati kuronga chikwereti, ruzhinji chavagari anofunga kuti paruzhinji mabhanga kunobatsira kutora chikwereti. Asi pakutsvaka kurota, ravakanga kutora mari, vanhu kazhinji vanokanganwa kuti unyatsoteerera solvency yavo uye simba zvinoita majeure.

How kuverenga chii chikwereti akakukodzera?

Asati agadzirisa chero nechikwereti rimwe inopa, yakanakisisa sarudzo yaizova:

• Change zvinobvira creditworthiness uye muripo mari pamwedzi pasi chibvumirano. Solvent anonzi kuva anokwereta, chikwereti mubhadharo pamwedzi chisingafaniri kupfuudza vanopfuura 50% zvachose kwemari. The yakanakisisa Ipfungwa dai mari iyi ichava 10 kana 15% kuti zvakaoma yenyu. Nyanzvi dzinoti muripo kwakadaro mari asingadi kukanganisa mararamiro ari anokwereta.

• Mukana uwane mamwe mari. Excellent nzira iri, kana uine imwe mari kuwedzera rako chairo mari. Kunyange kana wako zvachose pagore negore muripo hauonekwi bhajeti yenyu, mari kungadiwa mune chiitiko nezvinoitika ezvinhu.
• Kuona anofungidzirwa chikwereti blanking nguva. Musakanganwa: zvikuru kwenguva refu here kutora chikwereti, rezasi mubereko prices pamusoro zvikwereti. Hazvina zvakafanira kuwa kubva kunyanyisa mumwe, kuwana "yendarama maturo." Nhamba dzinoratidza kuti vanhu vanosarudza kutora kubva chikwereti kuti gore kana maviri, asi kana pava mortgages, ipapo kwemakore 5-10.

Kuwana chikwereti: zvinyorwa kunodiwa

Nhasi, anenge bhengi ose anopa zvikwereti kuti chero chinangwa. Vakawanda mhando chikwereti anoonekwa kuva Mutengi chikwereti. ichi
chikwereti haasi chipfuro, uye anokwereta anogona kusarudza yaanogona kupedza mari pasina mubhengi racho ruzivo. Anenge zvose mabhanga mazita magwaro kushandisa kuti chikwereti:

1. Russian pasipoti.
2. Chitupa mari iri Form 2-gomba.
3. SNILS, pasipoti kana uchityaira rezinesi.
4. Zvimwe zvinyorwa akumbira pamahombekombe.

Ndezvipi mabhanga kunobatsira kutora chikwereti?

Nhamba dzinoratidza kuti pakutanga 2015 mubereko prices pamusoro zvikwereti zvakawedzera yekudyidzana zvichienzaniswa nguva muna 2014. Zvingava zvakarurama kurondedzera izvi kusagadzikana zvoupfumi mamiriro ezvinhu munyika uye kuwa Ruble.

Pakutanga inogarwa Sberbank. Maererano Analytical data, ari Bank rakadzika kwazvo mubereko prices. Sangano iri refu zvakakwana kuti abate chinzvimbo chayo pakati vatungamiri vari achiposa kushandisa rubatsiro hurumende.

Paavhareji zvazvingava pamusoro nevatengi nechikwereti mubhangi ndiyo 19% pa annum.

"VTB 24" - panzvimbo yechipiri. Rimwe zvikuru ezvokutengeserana Lenders, izvo aripo ari ndima pamwe mumari Bank muguta rimwe nerimwe.

Kuwana chikwereti zvinogoneka ane mwero 21% pagore.

Wechitatu rinofarirwa kupfuura chikwereti sangano - "Bank of Moscow". Uyewo vasiri ehurumende vatambi, uye anoshanda zvikuru vanhu. Possible overpayment nokuti gore 23% pa annum.

"Sovcombank" - mutungamiriri anomukweretesa kuna vokuparidzira vakura uye pamudyandigere zera. Asi mubereko prices pamusoro zvikwereti iri murombo uye anogona kuzadzisa 30% kuti kukweretesa kuti gore.

Zvinoumba chikwereti nemasangano

No nyanzvi haagoni kukupa chaiwo mhinduro yomubvunzo wokuti paruzhinji mabhanga kunobatsira kutora chikwereti. Kana kushandisa kuti chikwereti anofanira kuteerera kuti pane nuances ose bhengi. pamberi ngaaverenge chimbadzo, unofanira kufunga zvinhu zvinotevera: kuti chikwereti mari, chikwereti nguva inishuwarenzi pasi chibvumirano, nokukosha mwero, Kuwanikwa rubatso kana rubatso, mashoko ako kubva BCI uye zvakawanda. Kubva chete pamusoro nemashoko aya, akakweretesa achakwanisa ngaaverenge uwandu uye mwero chikwereti, asi kana munhu pachake nyaya kubhengi chete.

chikwereti mamiriro

Anenge zvose mabhanga vamwe zvaidiwa mukwereti;

1. pasipoti yacho mugari wenyika Russian Federation. Vamwe mabhanga zvauri kupomerwa uye kubvumira kuti atore chikwereti vanhu vane kwekanguva dzokugara mvumo, mutemo hazvirevi ngaandidzivise, asi tsika zvinoitika chaizvo kashoma.

2. Age 21 kusvika 65 makore. Kunze "Sovcombank" anogona kushumira muchikamu ichi, izvo chinopa pamudyandigere zvikwereti pasi makore 75, akapa kuti panopera chikwereti chacho chibvumirano haufaniri kuva kupfuura yamunenge zera. Panguva pasi chikumbiro munofanira kuva vaifanira 70 kana uchida kutora kubva chikwereti kwemakore 5 makore makore 72 okuberekwa, kana iwe tora chikwereti kwemakore anosvika matatu.

3. pamutemo basa. No mubhengi achapa chikwereti munhu asiri kushanda munhu. Uchapupu basa rako vanogona kushumira sokunoratidza 2-gomba, chitupa mamiriro kunyoresa newe pachako entrepreneur kana kugadzira kambani yenyu muchimiro kambani, JSC.

4. yakanaka chikwereti kare. Kuvapo akadzokorora delinquency panguva mutsividzo yemutoo wezvikwereti kare muna 100% nyaya kushanda chikonzero kuramba ari chikwereti. Uye kusavapo nemashoko enyu chikwereti Bureau kunogonawo kuva kuramba chikumbiro chako. Nyanzvi angarayira kuti atore chikwereti rweruzhinji chinhu: runhare, mhuri midziyo yemagetsi kana fenicha, uye nguva dzose kubhadhara chikwereti uye nokudaro yakasimbiswa pacharo somunhu anogona, basa anokwereta ndechokuti. Kana uri pakarepo akaramba pashure maminitsi gumi pashure chikumbiro, unogona kuva nechokwadi chokuti chikonzero ichi ungava akaipa chikwereti nhoroondo yako, sezvo mabhanga kutarisa mashoko kubva BCI pakutanga.

Customer zvaunofunga pamusoro nemabhangi

Kupindura mubvunzo "Ndoupi kubhengi nani kutora chikwereti", richava rinokosha kuti kuteerera sangano, nokushumira chikwereti ratings inokubvumirai kuuya mufananidzo yose yaida anomukweretesa mabasa mubhangi ichi. Bhadharai ngwariro chaiyo chaiyo kunaka wongororo.

Usati wasarudza zvokuita, umo mabhanga kunobatsira kutora chikwereti, nguva dzose bvunza pachako mukana wako kubhadhara. Hazvina kunaka kutora chikwereti kana rendi inopfuura 40-50% yako mari. Hatifaniri kunyunyuta nezvomukana yokubhadhara pedyo kadhi chibvumirano pamberi nguva pasina kufungisisa simba majeure. Uye pakupedzisira: Regai kupomera pamusoro nechikwereti sangano iri chiitiko nezvinetso zvako kubhadhara zvaidiwa rendi kuti chikwereti anofanira kugara pedyo ne "musoro inotonhorera".