Amaah Consumer la heerka dulsaarka hoose. daymaha Consumer Savings Bank la dulsaarka hoose

Waayo, qaar badan oo naga mid ah, credit macaamilka - taasi waa fursad dhab ah in ay si deg deg ah u xaliyaan dhibaatooyinkooda ama ka dhigi noloshooda raaxo badan iyo si wanaagsan loo daryeelay. Laakiin la'aanta ah ee lacagta loo baahan yahay - ma aha sabab in ay qaataan lacagta at boqolkiiba sare oo mararka qaarkood aad u culus. Inkastoo ay kala duwan ee dalabyo ka bangiyada kala duwan si aad u hesho mid ka mid ah, halkaas oo aad ka qaadan kartaa amaah macaamiisha leh tirada danta yar yahay, ma had iyo jeer si degdeg ah. Waxaa xal ah! More hufan, waxaa jira waxyaalo qarsoon yar, sida loo doorto bangi iyo qaar ka mid ah iyaga ka mid ah waa kuwa caqliga leh in ay u jeestaan.

Waxa ku jira dulsaarka

Marka macaamiisha ah la geeyo bangiga ujeeddo gaar ah - si ay u helaan qaab amaah ah lacag caddaan ah macaamiisha la hooseeyo dulsaarka, waxay kulan awoodooda jireed iyo tixgelinaysaa soo jeedinta. Ilaa xad macaamiisha isaga qudhiisa, oo uu sumcad, iyo in ka badan saamayn ku yeelan kara heerka dulsaarka, laakiin waxa ay inta badan ka kooban noocyo kala duwan oo arrimo kale:

• sicir-bararka,
• kharashka dayactirka lacag dhigaal ah dadweynaha;
• xaaladda dhaqaale ee dalka;
• kharashka dayactirka xiIka ee bangiga iyo shaqaalaheeda.

arrimood oo dhan, kuwaas oo aan xiriir la leh amaahdaana, siday u kala horreeyaan, si ay u saamayn sinaba macaamiisha ma karo. Laakiin waxaa jira tiro ka mid ah xaaladaha ka heli doonaa amaah macaamiisha ah oo ku saabsan xaaladaha wanaagsan more naftooda.

Sidee si loo yareeyo qiyaasta dulsaarka amaah ah

Hel macaamiisha amaahda heerka ugu hooseeya xiiso in macmiilka bangiga karo taariikhda credit kaamilka ah. Taasi waa, waqtiga diiwaangelinta amaah lacagta ka macmiilka waa in la xiray amaahda dib u dhac la'aan. La'aanta taariikhda credit saamayn kartaa cut heerka.

Mid ka mid ah siyaabaha ugu wax ku ool ah si loo yareeyo heerka amaah ah - ka qayb ah in mashruuca mushaarka. Waxa aanu u baahan tahay macluumaad ku saabsan dakhliga iyo damiin. Ie macaamiisha Sberbank amaahda heerka ugu hooseeya xiisaha ay heli karaan macaamiisha qaata mushaharka ay kaar caag ah ururka iyo dukumentiyo dheeraad ah waxaa laga yaabaa in aan matalo marka aad amaah ah.

doorasho ee la soo dhaafay - waa in ay soo saaraan amaah ah xaqiijisatay, in uu yahay inuu ka tago deebaaji ama in ay soo jiitaan damiin. Xaaladdan oo kale, bangiga yaraynaysaa halista ah ee non-bixinta lacag yaraan iyo yaraynaysaa heerka amaah ah. Haddii ay dhacdo in muranada macmiilka, ayuu ururiya daynta ka damiin ama iibiya tageen rahmad.

Maxaa si ay u eegaan

Waa wax caadi ah oo kaliya in qofka macaamiisha ah ayaa maanta waxaa lagu raadinayo ee dulsaarka hooseeya deynta macaamiisha ee bangiyada kala duwan via internetka iyo is barbar dalabyo. Laakiin sida caadiga ah, bangiyada yihiin xayeysiis soo jiidan kaliya dareenka macmiilka ka iman kara, ballanqaaday lacag aad u badan, "ku dhawaad waxba."

Under ad kasta ee nooca yar yar ku tilmaamay, waxa shuruudaha iyo wixii koox dad ah ay awoodaan si ay u helaan amaah jilicsan noqon doonaa. Tani waxay soo jeedinaysaa in aan kasta oo macaamiisha ka heli kartaa hooseeyo amaah dulsaar, si kastaba ha ahaatee, wuxuu dalban karaa oo waa la ansaxin karaan, laakiin qadarka magdhow u noqon huba uu ka duwan kuwa ku jira advertising.

trick ugu dambeeyay ee bangiyada - waa codsi online aan booqasho xafiiska. In uu yahay, macmiilku buuxiyo soo baxay su'aalo ah oo ku saabsan bogga internetka ee ururka, iyo isaga si ay pre-ansixin. Laakiin intaas ka dib, si bayaan ah ayuu u baahan yahay inuu waraaqaha xafiiska, halkaas oo xaalado credit waxaa laga yaabaa in xoogaa kala duwan iman.

Sida loo doorto bangi

Sidaas, hadda aad u baahan tahay in ay go'aan ka sida loo doorto amaah macaamiisha leh tirada dulsaarka hoose. In magaalo kasta waxaa jira laamo badan oo bangiyada kala duwan, iyo mid kasta oo iyaga ka mid ah lulataa advertising dhalaalaysa oo soo jiidasho leh. Laakiin uma baahnid in aad qaadato baasaboor iyo carara qol ugu horeysay. Inta badan macquul ah si ay u isticmaalaan internet-ka iyo isbarbar dhig dhamaan dalabyadii online.

search waxay qaadan doontaa waqti qaar ka mid ah, sababtoo ah ma arki doono oo kaliya talooyin badan, laakiin sidoo kale si taxadar leh u akhri ereyada. In bangiyada qaar ka mid ah loo baahan yahay si macmiilka waa caymiska, taas oo aan ka yarayn hal boqolkiiba lacagta amaahda. In bangiyada kale ee xaaladaha wanaagsan oo kaliya deynsanaya kuwaas oo si joogta ah wax looga qabto.

Guud ahaan, waxa fiican in aad si gooni gooni ah la bangi kasta macaamiloon, xisaabi kartidooda oo ay ka faa'idaystaan calculator credit ah. Waxaa inta badan u dhacdaa waa in si amaah ah iyadoo heerka sare xiisaha ay sabab u tahay waa ka roon in ay wax amaahdaana qudhiisa.

Haddaba waxaa lagama maarmaan ah in la tixgeliyo rating oo ka mid ah bangiyada ugu caansan iyo xaaladaha credit iyaga in, is barbar shuruudaha iyo loo ogaado taas oo iyaga ka mid ah waa ugu faa'iidada badan in ay ka shaqeeyaan iyo sababta.

Sberbank of Russia

Sure, maanta waa hogaamiyaha suuqa Ruush, waxaa ka mid ah macaamiisha waa taagan yahay sida lamaane isku halayn karo oo daacad ah, waayo, wax amaahdaana. Sidaas daraaddeed, waa maxay daynta macaamiisha Sberbank heerka ugu hooseeya xiiso suurto gal in ay soo saaraan maanta?

• Credit "ammaanka No": heerka bilaabantaa 17.5% sanadkiiba. lacagta amaah ugu badnaan 1.5 million rubles muddo ilaa 5 sano.
• "Credit in dammiin ah" si ay u dhinto dulsaarka boqolkiiba hal marka loo eego soo jeedinta hore iyo kordhiyaa qadarka ilaa amaah ah ilaa 3 milyan oo rubles.
• Loan xaqiijisatay by hantida maguurtada ah oo ay leedahay, ku siinayaa xaq u leedahay inaad codsato lacagta amaahda waa in aan ka badnayn 60% qiimaha waynaynin hantida ee dulsaarka ah 15.5% ilaa 20 sano.
• Ka qaybgalayaasha in nidaamka amaahda maal-soo saari kartaa ilaa a amaah 500,000 rubles oo aan damiin 18.5% ama 19.5% sanadkiiba. Iyada oo lacagta dammiin laab.

Intaa waxaa dheer, Bank Savings ku haya dhacdooyinka caadiga ah, horumarinta alaabta cusub amaah, yaraynta heerka dulsaarka amaahda kooxaha qaar ka mid ah dadka. Details-jeedinta, waxaa laga daawan karaa bogga internetka ee Bangiga ee.

Gazprombank

Hay'addani dhaqaale kale oo ay bixisaa shakhsiyaadka credit macaamiisha faa'iido. dulsaarka hoose, bangiyada in ay bixiyaan fog macmiil kasta uu bilaabo by 16.5% iyo 21,79% sanadkii dhamaadka. Waxaa lagu xisaabiyaa si gaar ah, oo waafaqsan shuruudaha, damaanad ma waxay shardi u tahay amaahdaana.

lacagta amaahda ee 30,000 rubles. Waxaa suurto gal ah si aad u sameysato iyo 2 million rubles, laakiin keliya software ah, in uu yahay, iyadoo damiin. Ereyga ugu badan ee lacagta daynta ah ee 5 sano. Ereyga of tixgelin ah ilaa codsiga ilaa 5 maalmood ah.

VTB 24

bangiga wuxuu bixiyaa credit macaamilka la dulsaarkeedu yaryahay - ka 20.5 in 23.5%. lacagta Loan ilaa 1 milyan oo rubles muddo 5 sano. Heerka waxay ku xiran tahay ma aha oo kaliya on sumcad macmiilka, laakiin sidoo kale ay jecel yihiin in ay soo saaraan laba nooc oo ah caymiska. By habka, halkan deynsanaya iman kara Yimaadeen ah heerarka ku filan sare, iyo si aad u hesho si amaah ah, waxaad u baahan tahay shahaadada mushaarka dakhliga sare.

Bank of Moscow

Waxay bixisaa amaahda macaamilka la heerka dulsaarka hoose - ka 19,9%, lacagta ugu badan - 299 kun rubles. Laakiin xaaladaha sida mudnaanta kaliya diyaar u ah macaamiisha mushaharka, inta kale ee heerka gaartay 26.5% sanadkiiba. Si aad u samayso amaah ah, hubi inaad u baahan tahay war dakhli.

gunaanad

daymaha Consumer la dulsaarka hoose ay haatan bixiyaan boqolaal bangiyada, oo kulligoodna waxay lahaan ah xaaladaha wanaagsan gaar ah. Laakiin ma tirin on xaqiiqada ah in hay'adaha maaliyadeed shaqayn doonaan at khasaaro ah. Waxaa lagama maarmaan ah in ay si ku filan u qiimeeyaan xaaladda oo suurto gal ah in aad dalbato in bangiyada, kuwaas oo horay u lahaa waayo-aragnimo guul iskaashiga.