Ngongole ya wogula ndi chiwongola dzanja chochepa. Ngongole za ogulitsa malonda a Sberbank omwe ali ndi chiwongoladzanja chochepa

Kwa ambiri, ogula ngongole ndi mwayi weniweni wothetsera mavuto anu mwamsanga kapena kuti moyo wanu ukhale wabwino komanso wokonzeka. Koma kusowa kwa chiwerengero choyenera - ichi si chifukwa chokhalira ndalama pansi, ndipo nthawi zina zimakhudza kwambiri. Ngakhale zoperekedwa zosiyanasiyana kuchokera ku mabanki osiyanasiyana, munthu sangapeze mwamsanga kumene ngongole ya ogula ndi ndalama zochepa za chiwongoladzanja zikhoza kubwereka. Pali njira yotulukira! Zowonjezereka, pali zinsinsi, momwe mungasankhire banki yoyenera ndi yomwe ndi yoyenera kuthetsera.

Kodi chiwongoladzanja cha chiwongoladzanja chophatikizapo ndi chiyani?

Pamene wogwira ntchito akutembenukira ku banki pa cholinga china - kuti apeze ngongole ya wogula ndi ndalama zochepa za chiwongoladzanja, amayerekezera zofunikira zake ndi kulingalira zopereka. Kwazing'ono, wofuna chithandizo, mbiri yake komanso zinthu zina zingakhudze kukula kwa chidwi, koma makamaka zimakhala ndi zinthu zina zambiri:

• Kuphuka kwa mitengo;
• Ndalama zotumizira ndalama kuchokera kwa anthu;
• Mkhalidwe wa zachuma mu dziko;
• Ndalama zoyang'anira ntchito ya banki ndi antchito ake.

Zonsezi ziribe zogwirizana ndi njira iliyonse ndi wobwereka, motero, kasitomala sangathe kuwasonkhezera mwanjira iliyonse. Koma pali zifukwa zingapo zomwe zingathandize kupeza ngongole ya ogula pazovuta.

Mmene mungachepetsere chiwongoladzanja cha chiwongoladzanja pa ngongole

Kupeza ngongole ya ogula ndi chiwongoladzanja chochepa mu banki kumatha kukhala ndi kasitomala yemwe ali ndi mbiri yabwino ya ngongole. Ndiko kuti, panthawi yopanga ngongole ya ndalama, wofuna chithandizo ayenera kuti watseka ngongole mwamsanga. Kusowa kwa mbiri ya ngongole sikungakhudze kuchepetsa kuchepa.

Imodzi mwa njira zothandiza kuchepetsa mlingo wa ngongole ndi kutenga nawo mbali pulojekiti ya malipiro. Palibe chifukwa chofotokozera ndalama ndi guarantors. Izi ndizo, ngongole ya ogulitsa a Sberbank yomwe ili ndi chiwongoladzanja chochepa cha makampani amapezeka kwa makasitomala omwe amalandira malipiro awo pa khadi la pulasitiki la bungwe ili ndipo sangapereke zikalata zina pamene akukongoza ngongole.

Njira yotsiriza ndiyo kupereka ngongole ndi chitetezo, ndiko kuti, kusiya chikole kapena kukopa guarantor. Pankhaniyi, banki imachepetsa chiopsezo cha kubwerera kwa ndalama osachepera ndikuchepetsa kuchepa kwa ngongole. Ngati chinyengo cha wofuna chithandizo chimachitika, amalandira ngongoleyo kuchokera ku guarantor kapena kugulitsa katundu wotsala monga cholowa.

Chofunika kuyang'ana

Ndi zachilendo kuti lero kasitomala akuyang'ana mtengo wotsika kwambiri pa malonda a ogulitsa m'mabanki osiyanasiyana kudzera pa intaneti ndikuyerekeza zopereka. Koma, monga lamulo, malonda amabanki amangokopa chidwi cha wothandizila, akulonjeza ndalama zazikulu "zopanda pake".

Pansi pa chidziwitso chaching'ono cha kusindikizidwa kwazing'ono zimatchulidwa, pansi pa zikhalidwe ziti ndi gulu liti la anthu omwe angalandire ngongole yofewa. Izi zikusonyeza kuti si aliyense wogula angapeze chiwongoladzanja chokwanira pa ngongole, komabe iye angagwiritse ntchito ndipo angathe kuvomerezedwa, koma malipiro ake adzakhala osiyana kwambiri ndi omwe adawonetsedwa.

Ndipo chinyengo chotsiriza cha mabanki ndi ntchito ya pa Intaneti popanda kuyendera ku ofesi. Ndiko kuti, wofunafunayo amadzaza mafunso pa webusaiti ya bungwe, ndipo akuvomerezedwa kale. Koma pambuyo pake, iye amafunikira kubwera ndi zolemba ku ofesi, komwe ngongole imakhala yosiyana.

Momwe mungasankhire banki

Kotero, tsopano muyenera kudziwa momwe mungasankhire ngongole ya ogula ndi chiwongoladzanja chochepa. M'mudzi uliwonse muli nthambi zambiri za mabanki osiyanasiyana, ndipo pazimenezi pali zooneka bwino komanso zokongola. Koma simukusowa kutenga pasipoti ndikuthawira ku dipatimenti yoyamba yomwe imadutsa. Ndizomveka kugwiritsa ntchito intaneti ndikuyerekeza zopereka zonse pa intaneti.

Kufufuzidwa kudzatenga nthawi, chifukwa simungoyang'ana zokhazokha, koma muziwerenganso bwinobwino. M'mabanki ena, inshuwalansi ndilololedwa kwa wothandizira, ndipo iyi ndi osachepera limodzi mwa ndalama za ngongole. M'mabanki ena, mawu abwino okha kwa obwereka omwe agwiritsa ntchito mobwerezabwereza.

Kawirikawiri, ndizofunikira kwambiri kuthana ndi banki iliyonse padera, kuwerengera zomwe mungathe ndikugwiritsa ntchito wogwiritsa ntchito ngongole. Nthawi zambiri zimachitika kuti ngongole yokhala ndi chiwongoladzanja cha chiwongoladzanja ndizopindulitsa kwambiri kwa wobwereka.

Tsopano ndi bwino kuwerengera za mabanki otchuka kwambiri ndi momwe angagwiritsire ntchito ngongole , yerekezerani zochitikazo ndikudziwe kuti ndi yothandiza kwambiri kuti agwirizane ndi chifukwa chake.

Sberbank wa ku Russia

Mosakayikira, lero ndi mtsogoleri pa msika wa Russia, pakati pa ogula iwo ali ngati wokondedwa wodalirika ndi woona mtima kwa wobwereka. Kotero, kodi ngongole yotani ya ogulitsa Sberbank yomwe ili ndi chiwongoladzanja chochepa chokwera chikhoza kutulutsidwa lero?

• Ndalama "Popanda ndalama": mlingo umayamba pa 17.5% pachaka. Chiwongoladzanja chokwanira cha ngongole ndi 1.5 ruble miliyoni kwa zaka zisanu.
• "Ngongole ndi chigamulo" amachepetsa chiwongoladzanja cha chiwongoladzanja ndi peresenti imodzi poyerekeza ndi zoperekedwa kale ndikuwonjezera kuchuluka kwa ngongole kwa ruble 3 miliyoni.
• Ngongole yokhala ndi katundu wa kampaniyo imapereka ufulu wokongoza ngongole ndalama zosapitirira 60% za mtengo wowerengeka wa chinthucho ndi chiwongoladzanja cha 15.5% kwa zaka 20.
• Anthu omwe ali ndi ndalama zothandizira ngongole angathe kupereka ngongole ya ruble 500,000 popanda ma guarantors pa 18.5% kapena 19.5% pachaka. Ndi guarantor, ndalamazo zidzakhala ziwiri.

Kuwonjezera apo, Sberbank nthawi zonse amachititsa magawo, amapanga katundu watsopano ngongole, amachepetsa ndalama za ngongole kwa magulu ena a anthu. Zambiri za malonda onse angapezeke pa webusaiti ya webusaitiyi.

Gazprombank

Bungwe la zachumali limaperekanso ngongole yopindulitsa kwa ogula. Ndalama zochepa za chiwongoladzanja, zomwe mabanki amapereka kutali ndi aliyense kasitomala, zimayamba kuchokera pa 16.5% ndipo zimathera pa 21.79% pachaka. Zikuwerengedwa payekha, malinga ndi zofunikira, kutsimikiziridwa si chofunikira kwa wobwereka.

Mtengo wa ngongole umachokera ku rubles 30,000. N'zotheka kutulutsa ma ruble 2 miliyoni, koma ndi chitetezo, ndiko kuti, ndi chitsimikizo. Nthawi yambiri yobwezera ngongole idzakhala zaka zisanu. Mawu oti aganizire ntchitoyi amatha masiku asanu.

VTB 24

Banki iyi imapereka ngongole ya ogula ndi chiwongoladzanja chochepa - kuyambira 20.5 mpaka 23.5%. Ndalama ya ngongole imakhala yokwana makilogalamu 1 miliyoni kwa zaka zisanu. Mtengo umadalira osati mbiri yokhayo ya kasitomala, komanso chifukwa chake akufuna kupanga mitundu iwiri ya inshuwalansi. Mwa njirayi, apa omwe angathe kubwereka akufotokozedwa ndi zofunika kwambiri, ndipo kuti mupeze ngongole, mukufunikira kalata ya malipiro omwe ali ndi ndalama zambiri.

Bank of Moscow

Amapereka ngongole ya ogula ndi chiwongoladzanja chochepa - kuyambira 19,9%, ndalama zokwanira - 299,000 rubles. Koma zinthu zoterezi zilipo pokhapokha kwa osowa malipiro, ena onse akukweza 26.5% pachaka. Pofuna kubwereka ngongole, mukufunikira kalata yopezera ndalama.

Kutsiliza

Ngongole za ogula malonda omwe ali ndi chiwongoladzanja chokwera mtengo amaperekedwa ndi mabanki ambiri lerolino, ndipo zonsezi ziridi zabwino. Koma musayembekezere kuti mabungwe azachuma adzagwira ntchito mwadzidzidzi okha. Tifunikira kufufuza bwinobwino zomwe zikuchitika ndipo, ngati n'kotheka, tigwiritse ntchito ku mabanki omwe atha kale kuti agwirizane.