Ngongole "Ndalama Bank" kwa anthu. Kodi mitundu ndi zomwe kusiyana kwawo?

Nthawi zambiri njira yokhayo kuthetsa kusamvana ngongole ndalama "Ndalama" kwa anthu. Izo kumuyesa kukhala ndi ngongole osati chilengedwe kufalitsa maukonde nthambi ndi njira kupezeka kwa maudindo, komanso pobwereka mawu. Kodi kukopa Kuyamikira ogula mu "Ndalama Bank" ndipo nanga?

The ngongole yabwino ndalama ku "Ndalama Bank"?

Unearmarked Kuyamikira "Sberbank" anthu ndi wokongola wokongola kupereka. Makamaka pamene muona kuti chimphona ndalama osati ndikuyesa kubisa chilichonse ndi kulanda tariffs anati. Pamtengo ndi kochepa ndipo palibe malipiro zina.

Pamwamba pa makasitomala payekha ndi mwayi zinkafuna ndalama zolinga ndi mphoto ya ntchito kwa nthawi yaitali. Pali magulu a ukutitsimikizira kubwerera: "Ndalama Bank" ngongole Russian nkhani anthu ndipo sasamalira, ndipo kufunika kukopa guarantors kapena ikani katundu madzi monga ina. Kuyambira akwaniritsa zimenezi, ndipo amasankha mtengo wa ndalama anabwereka pano.

Kuti tipindule wotuluka ndalama zokhudza zosowa zawo ndi digiri ya ankadziwa banki wobwereka a. Mowolowa manja "Ndalama Bank" anthu amene alandira izo malipilo ndi penshoni, ntchito mabungwe zatulutsidwa ndi mabungwe akuluakulu, zathandizira ndi Kuyamikira kale ntchito. Kuchotsera pa kukula m'munsi mwa mlingo akhoza kukhala mkulu monga kuchuluka mfundo 1-2 anapereka "kwa" "Ndalama". Ngongole kwa anthu amene zochita nthawi zonse choncho, mukhoza ndalama ngakhale mtengo chifukwa nyengo kuchepa mitengo.

Amene amathandiza ngongole ndalama "Sberbank" anthu?

mapulogalamu Mawu a banki lalikulu la dziko zikhoza kugawidwa m'magulu atatu lalikulu malinga ndi mtundu wa mapulogalamu kuti:

1. Ngongole "Sberbank" anthu opanda ina iliyonse. Zilibe ngakhale ayenera inshuwalansi, ndipo muyenera kulembamo chuma chawo udindo ndi ntchito. Kuchuluka - hafu miliyoni rubles. Mawu a alipire wa ndalama anapempha akhoza anatambasula kwa zaka 5. Mlingo adzakhala zosiyanasiyana mu osiyanasiyana 17-21,5% pa annum.
2. Loan ndi chitsimikizo. Monga Co-signer angakhale wachibale wake aliyense zosungunulira kapena mnzake. Kukhala wosewera chachiwiri kumawonjezera pazipita kuchuluka kwa ngongole kuti rubles 3 miliyoni, ndipo akuti sizinasinthe -. Asanu. Chidwi angafikire 16,5-20,5% pa chaka.
3. Ngongole ndi pangano katundu kumene chikolecho angakhale weniweni kwambiri chuma, nkotheka kupeza mpaka 90% a mtengo wa zotumphukira (koma osapitirira 10-15 mln. Rubles) kwa nthawi ya zaka zisanu ndi ziwiri pa mtengo wa 13.5-14.5% pa chaka.

Komabe, kanthu mpaka m'ma February, mukhoza kupeza ngongole popanda ina kapena chikole pa mlingo chomwecho monga chitsimikizo - ndi 14.5% pa annum. Kuphunzira ntchito kuchita zimenezi ikuchitika anthu paokhapaokha, mpaka pamene mulibe kupala yofunsira, sindikudziwa mwayi wa ngongole yabwino.

Ngongole "Sberbank" anthu amasiyanasiyana zosiyanasiyana zinthu. Ndipo izi awo mwayi waukulu: aliyense akhoza kupeza ndalama kubwereka magawo yoyenera. Aliyense wobwereka angathe amatha akhazikitse ake kudzera mwa gombe, kupatula, zoona, kutsatira mfundo zake. Koma vuto kupeza ndi bureaucracy "Ndalama Bank" - kuti ndi nkhani ina.