Kodi anachita dziko lero mabanki kwa pensioner chiyani?

Masiku ano anthu ambiri, magombe kwa pensioner anakhala malo pafupipafupi kudzacheza. A ambiri a okalamba ndi kutembenukira kwa ngongole kapena anatsegula madipoziti kumeneko. N'chifukwa chake mabanki ayamba atengere ku pensioners, potulutsa munthu gawo ndi ngongole mankhwala gawo ili la anthu.

Kodi pensioner kupeza ngongole?

Si onse mabanki Russian kupereka ngongole issuance pensioner. Ichi ndi chifukwa chakuti mabungwe ngongole akuda nkhawa kuwonongeka lakuthwa mu umoyo wa wobwereka, ndipo mogwirizana ndi sanali kupereka ngongole zawo. Komabe mabungwe a zachuma opereka okalamba ngongole, zilipo. mabanki izi amaipidwa chakuti akuluakulu ali ndi udindo waukulu kwa malipiro yake ngongole ya.

Monga ndi wobwereka ochiritsira, ndi pensioner adzakhala fufuzani banki solvency ndi malipiro a ngongole m'mbuyomu. Ndipo ngati, pokhala wa zaka ntchito, makasitomala walenga zoipa ngongole mbiri, ndiye zambiri, ndi pensioner mu ngongole adzakhala adakana.

Banks kupereka ngongole kwa achikulire pang'ono zaka zisanu, potero chenjezo ku zotsatira zoipa.

Mavoti a mabanki kuwonjezera ngongole, okalamba

mabungwe Mawu onse osiyana, choncho kuwonjezera zinthu ngongole ndi osiyana konse. Ena mabanki kwa pensioner ndi kuyesera kupereka ufulu wosankha, ena kupereka mitengo wotsikitsitsa, pamene ena amakulolani kubwereka zinkafuna anthu okalamba.

Mavoti a mabanki pa pazipita kuchuluka kwa ngongole disbursement akuluakulu:

1. "Landirani." banki amapereka ndalama pazipita ngongole kwa pensioners - 15 miliyoni rubles. ngongole ili mwapatsidwa kwa ogulidwa malo.
2. "Sberbank". banki ali rubles 10 miliyoni kwa kubweza kukongoza.
3. "Raiffeisenbank". Uwerenge anapereka pensioner ukufika rubles 9 miliyoni.

Mavoti pa mlingo wotsikitsitsa chidwi Kuyamikira penshioni:

1. "Setelem Bank". bungwe amapereka otsika chiwongola dzanja - 6,9%.
2. "BPS Bank." kampaniyo ili pa malo chachiwiri pa chiwongola dzanja wotsikitsitsa, ndiwo 9%.
3. "Uralfinans". The Bank lilinso ndi chiwongola dzanja kakang'ono - 10%.

Mavoti zochokera pazipita ngongole akuti:

1. "Sberbank". Mu malo oyamba ndi imodzi mwa gombe otchuka. Akudzipereka kutenga ngongole kwa pensioners kwa zaka 7.
2. "Bank AVB." banki amapereka ngongole kwa pensioners kwa zaka 6.
3. Pa nthawi imeneyi pali pafupifupi ena odziwika mabanki kuti kupanga ngongole kwa zaka 5.

Mawu kwa pensioners. Amene mabanki bwino?

Odziwika bwino atatu mabanki kuti umalimbikitsa akuluakulu:

1. "Alfa Bank" chifukwa pensioners amapereka osiyanasiyana yaikulu mankhwala ngongole. Kwa anthu achikulire ndi mwayi ngongole zonse zilipo. pulogalamu Bank lakonzedwa mu njira yakuti kasitomala sanabadwe kukhala pensioner pa alipire wa ngongole atengedwa.

2. Bank "VTB" chifukwa pensioners wawakonzera mankhwala wapadera ndi mawu yabwino. Chokha - zaka wobwereka adzakhala musalumphe zaka 65. Chigamulo pa ngongole abwera yomweyo, ndi kulembetsa amatenga osachepera nthawi.

3. "Sberbank" muli zinthu wokhulupirika ndi opindulitsa. The pazipita zaka malire ndi zaka 75. Kutenga ngongole yabwino kwambiri kwa makasitomala kubanki ndi zofunika kuti nkhani zanu kapena kumupatsa khadi, umene accrue penshioni. The okha zoipa - zedi pensioner muyenera chikole. The Bank ndi kuwonjezera ngongole ndalama amapereka makhadi akuluakulu, zomwe kawirikawiri sadzafika ku mabanki ena.

Kodi mabanki zambiri anapuma lotseguka madipoziti?

Mmodzi wa mabanki ambiri odziwika bwino kutsegula zopereka pensioners ndi "ndalama Bank". zotsatsa zapadera akuluakulu, ngakhale, ndi yodalirika ndi udindo banki mu maganizo a makasitomala ambiri. N'chifukwa chake akuluakulu zinthu molimba kosamalira ndalama.

, Imatchedwanso kuti atulukira madipoziti ndi "Rosselkhozbank" okalamba. Bungweli limapereka pensioners chopereka wapadera "penshioni Plus". Kubetcherana pa izo - 8.5%, ndi otsika zotheka kuchuluka kwa kutsegula gawo wofanana rubles 500.

"Eurocommerce" banki chopereka wina opindulitsa kupereka. Pa gawo "penshioni ndalama," iye zikusonyeza mlingo wa 10,5%.

zikalata zomwe zifunika kupeza ngongole kuti pensioner chiyani?

zikalata anamupempha borrowers onse mabanki osiyana, koma pali anthu kuti kasitomala ayenera kupereka Mulimonsemo. Njirazi ndi monga:

• pasipoti;
• satifiketi kuchuluka kwa penshioni analandira;
• Kalata ya pensioner.

Pamwamba pa izi, mabanki angathe kuitanitsa guarantor kapena ina. Makamaka anapuma amakonda kutenga ngongole wotetezedwa mwa nyumba.

zina zambiri

bambo wachikulire mu adani a ngongole ayenera kukhala tcheru kwambiri. Pamsinkhu uwu, anthu amangokhulupirira ndi mosavuta kupita maganizo kulikonse. Ngati pensioner sankaona kapena matenda, sangathe kuwerenga kusindikiza zabwino mgwirizano, amene amaona akuluakulu a. Choncho, kasitomala akhoza kukhala kuti sakudziwa milandu zobisika ndi mankhwala inshuwalansi. Choncho, ngongole kwa pensioners bwino funsani ndi achibale, kuthandiza kuthetsa zinthu zosokoneza. Chinthu chachikulu kuti achibale musati overdo ndi. Apo ayi, wantchitoyo banki mungaganizire munthu wachikulire mokakamiza kukakamizidwa kutenga ngongole.

anthu achikulire wobwereka mosamala kwambiri, nchifukwa chake mabanki kupanga ngongole kwa pensioner pa mawu yabwino ndi pamlingo wochepa chidwi. Koma anapatsa mfundo imeneyi, mabungwe ndalama Chenjerani wosanjikiza ili la anthu, chifukwa ndalama pantchito ali wamng'ono. Koma ngati munthu wakale wasankha kutenga pang'ono ndipo kwa nthawi yochepa, mabanki ndi zosangalatsa kupereka ngongole zimenezi.