Kupiko kadhi rechikwereti? Rating kuti mabhanga, kufarira rates wongororo

Pakati vagari yedu nyika zvikwereti charehwa zvaipiwa nemabhangi pamusoro mazwi. Zvino unogona kuwana kadhi neumwe muganhu. Ipai mabhanga varo vazhinji. Kupiko kadhi rechikwereti? Vanofanira kushanda kuti sangano chero zvemari munyika yedu, iyo ichapa marudzi vanoverengeka zvirongwa.

chikwereti Features

Usati isa kadhi rako rokubhengi, unofanira uzive zvinhu kwaiita chikwereti:

• Easy kunyoresa uye kugamuchira tichienzanisa mamwe marudzi zvikwereti.
• Kazhinji, pasipoti, uye mamwe gwaro.
• The kadhi haisi dzakananga nguva uyo chikwereti unofanira kuripirwa, panongova shoma rendi.
• Makadhi vane nguva nyasha apo pasina mubereko akapiwa.
• Zvinenge zvose makadhi ane mutengo basa.

Kana mitemo yakadaro zvinogutswa, zvinokwanisika kuti kubva chikwereti. Kupiko kadhi rechikwereti, zvichienderana nekwaunogara. Kazhinji, kwemaminitsi anenge 20 yakakwana. Chete pamusoro chirongwa chakadai inopa zvishoma panguva imwe chimbadzo pamusoro 25-30%. Maererano Wongororo zviri pachena kuti zvikwereti vakadaro dzinoitwa chete kana iwe enzanisa navo nevamwe, akadai mutengi.

kunyoresa nzira

Formalized nokuda pasipoti kadhi munzira dzakawanda, zvose zvinoenderana pamahombekombe wacho mabasa. kazhinji:

• Kubhengi. Ipfungwa ichi rinoshandiswa kwenguva refu. Ko kutaura pedyo bazi kubhangi, zadza fomu, uye ipapo kumirira sarudzo. To mashizha anosvika 1 awa. Pashure tendero iri rakapa kadhi.
• Indaneti. Option vaiona zvikuru yokuita. Unofanira kushanyira nzvimbo, isa ndarayira. Unofanira kupinda mashoko akarurama pamusoro pachavo.
• Home pakusununguka. Vamwe mabhanga kupa kununura kadhi neposvo kana rekutakura. Mumaguta makuru, azviri nokukurumidza uye mumaruwa kumirira. The yeGmail.END_STRONG hazvirevi Activate kadhi rasvika, uye apo isiri kusashanda pamwe hachizovi kutora chikamu.

In mafungiro anokwereta zvinogona kuonekwa kuti zvose nzira kugadzira vakasununguka, chete mumwe munhu anosarudza pachake vasununguka. Kana iwe vanoshanyira hofisi kubhangi, kadhi iri kazhinji kuwanikwa musi mumwe chete.

Zvinodiwa Kuti anokwereta

Vagari vazhinji vanogona kushandisa makadhi. Apo nyaya uye andodzitora? Kazhinji application unoitwa nomukombiyuta Website kana nyanzvi, asi anofanira kuwana mubhangi kuhofisi. Asi dzimwe nguva kadhi aitumirwa nepositi kana rekutakura.

Banks chandagwinyira zvinotevera vatengi:

• Age 18-70 makore asi kunogona siyana muzana kumahombekombe.
• A pasipoti.
• Kuti mashoko kunyoresa uye pokugara.
• An mari statement.
• Contact Information.

Kwete bhangi ose kunodiwa kuti anyatsotaura mari yaunowana. Kana iwe pasi zvinyorwa pamusoro muhoro, mwero inogona kuderedzwa, asi yakaiswa nomumwe.

zvinowanika zviri mabhanga

Kupiko kadhi rechikwereti? Rating kuti mabhanga akaita nemhaka kukurumbira zvavo pakati makasitoma:

• Sberbank kweRussia. Tsika inogona akapa kadhi "tichimhanya", asi chete kuti vatengi eungano, kana pane mukana. The muganhu inogona kusvika 120 zviuru. Rubles panguva chaiyo chimbadzo kuti 25.9%. Nguva nyasha chinoshanda mazuva 50, somunhu akasununguka basa.
• "Post Bank". Apo unogona kukurumidza kuwana kadhi rechikwereti? Vaimbove "Summer Bank" inopa chirongwa kuti ape "Mail Express". Pairi unogona kusarudza paunogumira. Zvakakodzera kukurumidza kuita shoma mari, uye kana pasina chikwereti, vafarire basa havana kuwanikwa.
• "Alfa Bank". Financial Masangano apo unogona kuwana kadhi kupa zvinhu zvakasiyana. "Alfa-Bank" kunoita kuti tiwane kadhi kwemaminitsi 40. Ronga nomumwe mari iyo mubereko rinowanikwa. The zvazvingava iri 47,9%. Nguva nyasha mazuva 60 kana 100. Nokuti vanoda munhu pasipoti uye yokuwedzera gwaro.

• "Home Credit". Kana uri kushamisika apo unogona kuwana kadhi, unofanira kutaura kubhengi. Vatengi vanokokwa kuti formalize chirongwa "Quick kutenga", iro rine vakasununguka kunyoresa nokuchengetedza. The muganhu inogona kusvika zviuru 300 rubles, mwero -. 34,9%, ukuwo mari kushaya - 49,9%. Nguva nyasha 51 mazuva.
• "Tinkoff". Kupiko kadhi rechikwereti, "Tinkoff"? Unofanira kutaura kubhengi uye kuzadza fomu paIndaneti. The muganhu iri Rubles 300 zviuru.. Sei mari achava kuwanikwa, kubhengi anosarudza. Asi mwedzi mitanhatu gare gare, muganhu anogona ngazviwedzerwe. Nguva nyasha mazuva 55. The zvazvingava rinowanikwa nevanhu 24.9%, asi kana iwe ngavabude mari, ichava 45,9%.
• "Renaissance Credit". "Card Clear" nekanzuru pasipoti. Unofanira kuzadza fomu paIndaneti kana kushanyira kubhengi. Chisarudzo chakaitwa mukati 2 kushanda mazuva. Muganhu iri - rubles 300 zviuru, uye nguva nyasha mazuva 55 .. Rate - kubva 24%.
• "Raiffeisenbank". The kadhi iri rakapa kuti pasipoti. It kusvika 150 zviuru rubles, uye kana yasimbiswa mari -. Rubles 300 zviuru .. The zvazvingava ndiyo 24%. The mubereko isina kumwedzi - kusvika mazuva 50.

Kadhi Makambani uye nemamwe mabhanga. Saka, pane zvakawanda zvaunogona kuita apo unogona kuwana kadhi iri pasipoti. Zvinokosha chete kusarudza chinonyanya kukwezva kupa uye kushanyira tsika zvemari. Reviews anokwereta dzinoratidza kuti ashongedze kadhi inofanira chokupedzisira, nekuti kutora Mutengi chikwereti isingadhuri zvikuru.

Chii chimbadzo?

The chimbadzo pamusoro zvikwereti yakasimbiswa pachishandiswa zvinhu zvinotevera:

• Mitengo: dzakanga ndiko, dzakanga inoenzanirana.
• The zvazvingava pamusoro zvikwereti interbank, kana kubhangi asina mari yacho zvikwereti, akumbire kubatsirwa zvikuru nemari masangano.
• Mari: vari interest vanobatanidzwa mune mari dzevashandi, rendi, hofisi yokuzvigadzirisa.
• Profit: akanyorwa panguva issuance kuti chikwereti mari.
• Pamwaka mari: zvikwereti kunobva mumwaka. Panguva dzemazororo uye pamberi New Year kudiwa zvikwereti kunowedzera, apo deposits akawa, saka munguva dzino inoenzanirana kungawedzera nokuda 5-6%.

mumwe mubhengi zvazvingava seti chete. Uyezve, zvinokosha kuti unyatsoteerera kana pane basa akabhadhara. Kufarira guru mabhanga zvishoma zvichienzaniswa vaduku masangano zvebhizimisi. Asi kana bheji iri diki, nokungwarira tarisa anokwereta.

Kana vakaremara vanhu vanopiwa makadhi?

mabhanga mazhinji uchishanda Russia, kukwikwidzana nomumwe. Nokuti vakauya makavimbika vatengi. Kana kubhangi haisi zvinoda mari mashoko, uyewo kupa ruzivo pamusoro penzvimbo basa, ipapo kuwana chikwereti zvinogona uye vagari rovha. masangano zvemari chete kufukidza chimbadzo chakakura ngozi. An rinokosha ndiyo nhoroondo mbiri pamusoro anokwereta. Kana zvakanaka, kazhinji zvikwereti mari vanotenderwa. Vamwe Lenders zvinoda kupa SNILS kana chitupa chokutyaira.

Zvayakanakira nezvayakaipira

Maererano mutengi inofambiswa, zvikwereti kadhi vane zvinotevera zvazvakanakira:

• A nokukurumidza kudzokorora chikumbiro uye urongwa mari.
• Minimum zvinyorwa.
• Zvirongwa dziripo zvizvarwa zvose.
• Cash wakasuduruka chero ATM.
• Payment zviteshi pasina makomisheni.
• Kuita mari Indaneti.
• The mubereko nyasha nguva hachiverengerwi.
• Renewable muganhu.
• Mukana kubatanidzwa mapurogiramu bhonasi.

Payakaipira, kutonga nezvinooneka wongororo, ndeinotevera:

• High mbambo.
• mari Yakavanzwa.
• A mutsetse duku mbiri.
• Makadhi Vakawanda havana Chip uye zita, saka ivo zvishoma vakachengeteka.

Asati rikaisa kadhi vanofanira kufungawo zvayakanakira nezvayakaipira. Kazhinji mabhanga kupa mumwe ezvinhu kuti vatengi, saka rates mari dzingasiyana.

mazano anokwereta

Usati wasarudza iyo kubhengi kuwana kadhi rechikwereti, unofanira uzive mazano nokuda anokwereta. Yeuka kuti kweimwe muripo chinobviswa basa. Kana kunonotsa mutongo uye default mubereko. First yarinopa yakaderera, asi pamwe kubudiswa chikwereti zvichava kumusoro.

Zvinokurudzirwa kushandisa kubhangi, izvo kare worongedza chikwereti. Kazhinji, vatengi zvinopiwa nani. mazwi. Kana paine nyaya yakanaka, ipapo, ave mutemo, chikumbiro akatendeka. Unofanirawo enzanisa mashoko mabhanga akawanda uye sarudza kwazvo rakakodzera kadhi.