Nokuti vaya vanoda kudzidza pamusoro chii kubhangi anopa chikwereti makore 18

Ndine chokwadi vazhinji vanobvumirana kuti makore okutanga vari kunyanya kudiwa mari, nokuti panguva iyi youpenyu munhu kutsvaka pachake uye anogadzira kuchikuva kuti kuziva roga mune ramangwana. Zvakajeka, izvi zvose zvinoda kumbonyanya inokosha mubhizimisi zvemari kuti haasi munhu wose ane. Apo Somuenzaniso, tora mari dzidzo yepamusorosoro? Uye kwete kuti ndicho nyaya zvose vaduku vakomana nevasikana mari. Clothing, zvokudya, varaidzo - zvose kuti yavanobhadhara ngwariro chaiyo. The changouya mumusoro iri kukwereta hama kana shamwari.

Uye chii kana naivowo havana kupfuma? chimwe chete chinhu - kukwereta mari iri mubhengi. Zvisinei, izvi hazvisi nyore sezvo zvinoita. Chekutanga unofanira kuziva kubhengi anopa chikwereti makore 18. Sezvo tsika inoratidza kwete vose pamusoro mari nemasangano chokwadi kugadzirisa nyaya, muchiziva kuti mukwereti - senguva mudzidzi. Kunyange zvakadaro, zvishoma nezvishoma mamiriro ezvinhu kuti vadzidzi mumayunivhesiti anochinja nani, nokuti panguva ino, vakawanda vavo kuwana basa uye vane yakagadzikana muhoro.

Tichitarisa mubvunzo iri mubhengi anopa chikwereti makore 18, zvinofanira kucherechedzwa kuti mamiriro ezvinhu zvikunde izvozvo hazvisi chinhu vechiduku waisiyana.

anomukweretesa kubvisa

Chokwadi, kana vachida mari nokukurumidza, vanhu dzinobvumirana kuti chero zvaidiwa wavo kudzoka. Ndinofanira kuzviita? Kana, zvimwe, zviri nani kuva anoshivirira uye kuwana chinhu nani? Rega kuongorora.

Saka, jaya akawana ndoga chii kubhangi anopa chikwereti makore 18. Kutorerwa kuti anoenda zvemari mamiriro, ane tsvimbo akatsanangura kuti wemuno nemari, haagoni kuverenga (kusvika 50 zviuru rubles), ukuwo chimbadzo pamusoro chikwereti - kwete chiduku. Obiralovka? Hongu, zvinosuwisa, ndizvo saka, uye jaya kuchinja pano haagoni kuita chinhu; iye kana anobvumirana kuti pfungwa kana kwete. Asi nokubvuma, yeuka: ungadai mari yacho.

Anopa zvikuru akanaka okuti

Rega kutsanangura nezvinotaurwa mubhengi anopa chikwereti makore 18, pamwe zvikuru akanaka ezvinhu?

Nyanzvi vanokurudzira kuti, pakutanga kwezvose, kuzivana naye vaitaura pamusoro mari Bank, "VTB 24", "Raiffeisen Bank", "Tinkoff" uye "Privatbank". Zvinofanira kucherechedzwa kuti mari masangano maviri kutanga zvakanaka akagadzirirwa zvirongwa chikwereti - vanopa mari mumwe ezvinhu. Kana isu nezvazvo "Privatbank", mamiriro ichi inogona chikwereti ari uwandu 150 zviuru rubles kwemakore 4 makore, pasi ezvinhu 35% pa annum.

Zvinofanira kunzi ane chipo kubhengi "Tinkoff" With kutarisirwa guru, iro inopa dzinokwana 12,5% pa annum. Zvisinei, chakadaro pasi chimbadzo angave kuvanza chinhu zvombo dzemaKomisheni icho yekudyidzana kurera.

zvinyorwa

Saka, zvakadini zvinyorwa zvaida, kuti zvemari sangano anotenderwa chikwereti (mari) nemakore 18?

Zvinofanira kucherechedzwa kuti nokuda hombe yemakwikwi pamisika, mamiriro ezvemari nomumwe anoita zvose zvaanogona kuti anyorewo avo vatengi.

Pasinei chokwadi kuti nyaya nemabhangi zvikwereti kuti 18 zvakare nokuzvidira, vakawanda vavo vachiri kwaita nyore chirongwa vanyorwa anodiwa mapepa. Kana yakapfuura zvakanga zvakakodzera kuti kunyora mashoko solvency ari anokwereta, zvino zvakakwana kupa pasipoti. Zvisinei, zvinokosha kuti anoratidza kuti pamusoro ichokwadi tubhokisi apo chikwereti huwandu hazvina kunyanya guru (kusvika zviuru 30 rubles). Kana uchida kuronga bhanga chikwereti kuti makuru mari, kungada kuti kupa ruzivo mari kana kuwana guarantors.

chikwereti chi-

Ngationgororei zvikuru zvakafanana pfungwa nokuda issuance yemutoo wezvikwereti. Munowanepi chikwereti kwemakore 18? Kune dzakasiyana siyana, uye ukazhdogo mamiriro ayo. Ongorora yedu Mini-review, kwete kuti miscalculate pamwe nesarudzo. Saka ...

"Agricultural Bank"

Izvi zvinobvumira tsika zvemari kuti ape mbiri kuna vanhu chabudirira makore anosvika mamiriyoni 1 rubles. Zvinofanira kucherechedzwa kuti izwi iri chikwereti ingabva mwedzi mitanhatu kwemakore mashanu. Shoma chimbadzo yakaiswa pa 12,5% paminiti annum uye kufadza - 18% chete annum, panguva imwecheteyo napo kana panguva ipi nguva sei Unopinda chikwereti. Kupa chikwereti ari uwandu 300 zviuru rubles kuwana co-signer.

mari mubhengi

The apa mari Murongerwo akabata yakati zvakaoma vakasarudzwa anokwereta, uye mikana kupinda nechikwereti vechikoro zviduku. Young vanhu vakatendeukira kuna mari Bank kuti chikwereti kubudiswa inofanira inodiwa kuwana rubatso, uye izvi zvinofanira kunge hama. Unofanira gwaro mari haisi chete mukwereti asiwo guarantors. Uwandu akakwereta mari inogona kusvika mamiriyoni 3 rubles. Vachava kudzokera muna 5 years. Shoma chimbadzo ndiyo 16.5% chete annum, kufadza - 24.5% pa annum.

GE Money Bank

Kubhangi vachabva vanhu makore 18 chikwereti anosvika hafu yemiriyoni rubles. Kudzorera mari vanofanira kuva pakupera 5 years.

Shoma chimbadzo ndiyo 19.9% chete annum, kufadza - 24.5% pa annum. Mukati chete vasikana anogona chikwereti yakadaro. Hongu, kuti mitemo yakadaro.

"Russian Standard"

Izvi rwezvemabhengi sangano zvakananga vechiduku vakaburitsa echikwereti "Student." Maximum kuwanikwa 150 zviuru, akapa 29% pa annum.

Panzira, pane imwe nguva nyasha. Nokuti issuance basa yambotaurwa rwezvemabhengi chigadzirwa wechiduku anofanira kuzviisa pasi gwaro bhezari kana ndaitambira mari.

mhedziso

Chokwadi, guru chikamu vechidiki vari scratching misoro yavo pamusoro kutora apo mbiri. makore 18 - ichi hachisi chikonzero kusiya mumwe mukana wakadaro, kunyanya mumamiriro ezvinhu umo mari zvakakodzera sezvo mhepo. Zvisinei, unofanira kukoshesa kuongorora yako mari kwaniso uye overenga pachine kana uchakwanisa kuita nenguva kubhadhara chikwereti chacho. Kana kwete, kubva pfungwa iyi anofanira kusiyiwa, kwete kupinda muchikwereti muusungwa.