Deyn "Savings Bank" shakhsiyaadka. Sidee badan oo noocyada iyo waxa jira kala duwanaansho ay?

Inta badan sida kaliya ee lagu xalin is faham la'aan deyn lacageed yihiin "Savings" shakhsiyaadka. Waxaa la jirrabaya in ay deyn jira ma aha oo kaliya qaybinta caalamiga ah ee network laanta iyo helitaanka tallaabooyinka xafiisyada, laakiin sidoo kale marka la eego amaahashada. Maxaa soo jiidan kara credits macaamiisha ee "Savings Bank" iyo waxa ay yihiin?

The deyn lacag caddaan ah oo wanaagsan ka "Savings Bank"?

Unearmarked credits "Sberbank" shakhsiyaad waa soo jiidasho leh soo jiidasho leh dalab. Gaar ahaan marka aad u aragto in this Rafaa dhaqaale aan la isku dayayaan si ay u qariyaan wax oo ay ula wareegaan canshuuraha yiri. tiirarka waa yar iyo ma jiraan lacag dheeraad ah.

On top of in macaamiisha gaarka loo leeyahay ay helaan lacag badan ku gool shaqsi ah la bixinta waajib ku ah muddo dheer. Waxaa jira heerarka kala duwan ee damaanado soo laabtay: "Savings Bank" amaahda Ruush arrimaha shaqsiyaadka iyo ma bixiso, iyo baahida loo qabo in uu soo jiito damiin ama meel hanti dareere rahmad. Laga soo bilaabo shuruudaha, iyo go'aamisa qiimaha lacag u amaahannay halkan.

Si aad ka faa'iidaysan xawaalad maalgelinta saameeya baahidooda iyo heerka uu yaqaano bangiga amaahdaana ee. Inta badan deeqsi ah "Savings Bank" kuwa ku qaataan mushaaraadka iyo lacagta hawlgabka, ka shaqeeya hay'adaha iyo shirkadaha waaweyn aqoonsan, ayaa ka qayb qaatay a credits hore loo isticmaalay. Discounts ka size salka of heerka waxaa laga yaabaa in u sarraysaa sida boqolkiiba 1-2 dhibcood bixiyeen "ee" Savings "". Amaahda shaqsiyaadka waayo, kii tallaabo had iyo jeer waa kiiska, kartaa kharash xataa jaban ay sabab u tahay hoos u dhac xilliyeedka heerarka.

Kaas oo bixiya deyn lacag caddaan ah "Sberbank" shakhsiyaad?

Barnaamijyada Credit of bangiga ugu weyn ee dalka loo qaybin karaa saddex kooxood oo waaweyn sida uu nooca software codsaday:

1. Amaahda shaqsiyaadka "Sberbank" aan rahaamad kasta. Waxa aanu xitaa ma u baahan tahay caymis, iyo kaliya u baahan tahay si aad qoraal ay dhaqaale xoog leh iyo shaqo. Inta - ilaa nus milyan rubles. Muddada bixinta ee lacagaha la codsaday in la soo taagay kartaa 5 sano. Heerka sidoo kale way kala duwan yihiin duwan 17-21,5% ee sannadkii.
2. Loan la damaanad ah. Sida la-saxeexe ah waxay noqon kartaa wax kasta oo qaraabo ama dareeraha yiqiin. Lahaanshaha actor labaad kordhiyaa lacagta ugu badan ee ilaa amaah ilaa 3 million rubles, oo dheer isla joogi doonaan -. Five. Interest gaari karaan 16,5-20,5% sanadkiiba.
3. Amaahda la rahaamad hantida meesha rahaamadda noqon kartaa guryaha aad u dhabta ah, ay suuragal tahay in ay kor u hesho ilaa 90% ka mid ah qiimaha rahaamad (laakiin aan ka badnayn 10-15 Million rubles.) Muddo ilaa toddoba sannadood heer ah 13.5-14.5% sanadkiiba.

Si kastaba ha ahaatee, tallaabada ilaa bartamihii February, waxaad ka heli kartaa deyn aan rahaamad ama dammiin heerka la mid ah sida damaanad ah - by 14.5% sannadkii. Tixgelinta codsiyada ka qaybgalka ficilkan waa la fuliyay shakhsiga ku saleysan, inta aadan soo gudbin codsiga, ma oga fursadaha amaahda wanaagsan.

Amaahda shaqsiyaadka "Sberbank" ku kala duwan yihiin noocyo kala duwan oo xaaladaha. Oo kanu waa ay faa'iido ugu weyn: qof walba ka heli kartaa lacag soo amaahday la soo koobin ku haboon. amaahdaana kasta oo suuragal ay awoodo in ay fuliso qorshaha ay siyaabo of bangiga, haddii aan, dabcan, isaga waafaqsanaynina doonaa shuruudaha ay. Laakiinse gardarrada raadinta iyo hawl-xafiiseedyada "Savings Bank" - taasi waa sheeko kale.