Bwanji Mng'oma wa ogula ngongole

Ambiri mwa mabungwe ndalama zikugwira ntchito mu gawo la Russia, ndi ogula ngongole mndandanda wa kukongoza mapulogalamu ake. Kulengezedwa cha ngongole ngati kubweretsa phindu pazipita likuvutika mabanki chiwongoladzanja. Popeza mpikisano nthawi kukula ndi kulimbitsa chuma mu nthawi pambuyo mavuto, zikhoza kapadera kuti amafuna kuti borrowers angathe adzakhala zina mitigated.

Pakali pano, kuti apereke ogula ngongole ndi anthu amene Russian nzika (mabanki ochepa nkhani ngongole kwa nzika za CIS), zaka kuyambira zaka 20 75 ndi yodalirika kuti likukwaniritsa zofunikira wa banki inayake. Avereji ya mitengo pa ogula ngongole osakhala chandamale pa mlingo wa 17-25% pa annum ku mabanki ambiri.

Onani ogula ngongole ku banki ndalama akanatha kulimbana 21 zaka 65 kuntchito ya miyezi yoposa 6. Ngati wobwereka ali mu gulu la malipiro, ndiye nthawi ya ntchito ndi mitengo ndi kwambiri yafupika.

Chachikulu kusiyana kwa mtundu uwu kwa ena mitundu ya kukongoza palibe kufunika mlandu kwa wokongoza kugwiritsa ntchito ndalama. Bank n'kofunika kuti ngongole sanali kubweza ngongole kale chikalata. Komabe, mfundo imeneyi mosavuta anyalanyaza ndi withdrawals mayina iwo nkhani ku banki ina.

Pofuna kukonza ogula ngongole, ndi wokongoza kumafunika kuika zotsatirazi zikalata: pasipoti ya wobwereka kuthekera; umboni uliwonse chachiwiri Pawokha (mwachitsanzo, pasipoti); buku la mbiri ntchito; chikalata chotsimikizira kuchuluka kwa ndalama (2-DZENJE, msonkho kubwerera, kalata ya ntchito).

Mu mapangidwe phukusi la zolembedwa, m'pofunika kuganizira ena mokoma kuti kuchepetsa Mwina kulephera yobereka:

- mu pasipoti, ndi wolakalakika zikutsimikiziranso imodzi mwa kuyenda kunja;

- kupereka 2-DZENJE poyerekeza ndi zina yachinsinsi ndalama;

- pamaso pa mwamuna kapena mkazi (s) kungakhale ntchito zina.

Ngati zina chitetezo munthu afuna kuti apereke ogula ngongole, amapereka chitetezo katundu, chofunika kubala zikalata pa iye.

Ogula ngongole akhoza apatsidwe belo ndi anthu amene creditworthiness ndi imawunikidwa ntchito mfundo mofanana wobwereka lapansi. The chiwongola dzanja yafupika nthawi yomweyo osati kwambiri. Mwachitsanzo, pulogalamu ndalama, 0.5 okha% pa annum. Kuchepetsa overpayment kuwonjezeka pazipita ngongole kuchuluka kwa 1.5 kuti 3 Mill. Rubles.

Pofuna kukopa makasitomala, mabanki ambiri mpata ntchito kwa ogula ngongole Intaneti. Kuchita izi, kupita ku malo a banki anasankhidwa ndi mwachindunji kuchuluka, akuti, cholinga ngongole ndi kukula kwa ndalama banja kapena zaeschika angathe. Komabe, tizikumbukira kuti chisankho pa ntchito iyi waukuluwo. mucite kwathunthu ogula ngongole ndi opereka banki ali ndi ufulu kubala pokhapokha kugonjera zolembedwa zonse zofunikira.