Loan i auau huamoni iti: kei hea ki te haere?

Hei mahi ki a pai te pēke, he mea e tika ana ki te kia maheni ki te hōtaka o te pēke. Loan i auau huamoni iti ka waiho te whiriwhiri pai, no te mea e kore ka e whai ki te overpay. Na te tahi mau pareparenga whakahere tikanga ōrite, Me anake ki tīpako e tika ana. Ko reira tino pai ki te tono ki Sberbank, engari te nuinga o hiahia ana kiritaki ki te kohikohi i ngā tuhinga, me te waha he tukanga roa o te rēhita.

Hea ki te haere?

maha pareparenga whakahaere i roto i Russia, whakahere ona ake ngā. Ko e painga ki te iwi e kore katoa o ratou. rerekē ngā hōtaka i roto i ngā o te rēhitatanga o te kirimana, nga moni reiti. Loan i päpätanga huamoni iti Me ki puta i roto i te pēke takina. Ratou rārangi ngā:

1. "Sovcombank".
2. "Renaissance Credit".
3. "Credit Kāinga".
4. Sberbank.
5. "Citibank".

Ia kamupene tuku he huarahi takitahi. E te tika ki te whiwhi ngā āhuatanga pai mō te mahi tahi kiritaki pūtea moni. Ka taea e koe te kōrero ki te pēke hou whakatuwheratia i roto i te rohe. Ēnei pūtahi kukume kiritaki hōtaka pai, kia whiwhi i te taurewa i auau huamoni iti ka mau.

E mea pinepine te ōrau iti o huna whaina nui, utu atu, me te inihua. He mea tika ki te whakamahi i te ratonga o te hunga pareparenga kore e e huna i te tuhene. Ko te tino nui Faitotonú i roto i tenei mea.

Me pēhea te ki te whiwhi i te ōrau iti?

Ki te whiwhi te taurewa i auau huamoni iti, e hiahia ana koe ki te whiriwhiri i te hōtaka e tika ana. Hoki te rēhitatanga o te nama kiritaki he tika:

• whai utu nui;
• whakarato kaiwhakakapi;
• Kia te rangatira o te hītori nama pai;
• kukume kaioati.

Tenei taea ki a koe te haere hohoro i roto i nga whakamātautau katoa, riro he whakautu pai. Na e patua ana kiritaki tikanga pai. heke auau whakawātea auroa. Loans i 2 tuhinga, e kua tukuna mo te 1 ra, i te ōrau nui. pūkete pēke me te tūranga matua mahi, hanganga whānau. He mea tika ki te āta whakakiia i te puka, e kore mahue tetahi momeniti mahu'inga.

ōrau iti

Ka taea e kitea e koe e horo'a nei, mo e te auau o te 10% mō te nama kiritaki o nāianei. kia teitei te ōrau mōkito. Ko te auau, ko te a tawhio noa 15-20%. e kore te te ahua i runga 20% whakaaro rawa pai.

I roto i ia rohe he rerekē reiti. Na e hiahia ana koe ki te maheni ki te tono o te maha pareparenga, te kōwhiri i te tika. E kore e titiro te reira i hōtaka pai ainei no te mea e kore pūtahi pūtea e mahi i te mate. Ko reira houhou ki te whakamahi i te takawaenga nama, rite tokomaha o ratou e tango i te ōrau.

ngā pūtea taurewa

taurewa Te Tumu i raro i te ōrau iti o te ūnga i roto i Moscow he taurewa atu te utu. Ko te nama e kua kahore mahere motuhake, he hakari he mōrea mo te pēke. Ki te hiahia koe te moni ki te hoko i te haerenga motokā, te mātauranga hākinakina ranei, kia whiriwhiri koe te tono ūnga.

He he he pea o te tukatuka i te taurewa mo te maimoatanga hauora he marena ranei. ka whakaora taua hōtaka 3-5% te tau. Ki te hiahia koe ki te tiki i te moni nui, katahi ka kia kitea tenei painga. Hoki Me hōtaka ngā atu tuhinga, me te whakau e kua whakamahia te moni kia rite ki te tikanga.

Ngā momo o loans i roto i te Tiaki Bank

Sberbank moni painga i runga i loans. Te whakahaere tuku maha ngā momo o taurewa:

1. Kiritaki. Wātea mō ngā hiahia o ia rā. wā mōrahi - 25 tau.
2. Housing. Ki reira ka whiwhi hoko whare i roto i te whare hou ranei ki te hanga i tou whare. wā utu - ki runga ki te 30 tau.
3. Car. E homai taurewa mo te hoko o te waka whaiaro. wā taurewa - ki runga ki te 5 tau.

Ia ratonga he ona ake rēhita peculiarities. kōrero atu anō e pā ana ki a ratou e taea te kitea i runga i te paetukutuku ranei i te tari o te pēke. Te hanga i tetahi taurewa tā te hainatanga o te kirimana, i roto i nga ture me ngā here.

Whiwhi nama kiritaki

I roto i nga Tiaki Bank taea te tiki i te taurewa ki penihana i raro i te ōrau iti. taurewa tuhia ki kaiwhakakapi me te taurangi. Ko te nui mōrahi o 1.5 miriona moni. Ko roto i te 3 marama wā utu - 5 tau. Ki te tiki i nga moni e hiahia ana koe ki te faaineine i te tahi mau tuhinga kahore pūmanawa tuatoru-rōpū:

• tono;
• uruwhenua;
• te haamauraa rēhita takitaro;
• mahi me te nui o te moni.

Ki te hiahia koe i tetahi moni nui, kua hiahiatia reira ki fakaafe'i te kaioati. I roto i taua e taea te tiki i te tūkunga ake ki 3 miriona. tangohia te whakatau e te pēke i roto i 1-10 ra. I roto i te ngä päpätanga huamoni Tiaki Bank i runga i loans kia iti i roto i te aroaro o hoko whare hei utu. Na, whakaratohia he nui te.

Onäianei o ratonga

Ki te kore te mea he kiritaki tūturu o Sberbank te tangata, ka hei te auau e pā ana ki 19-20%. A, no te hanga i te taurewa i te moni o te tuhene ka kia 15%. Ko te nui mōkito o nama i roto i te Tiaki Bank he 15 mano moni, me te mōrahi -. 750 mano moni .. Ki te kahore he e rererua moni kai. Ko te wā whiwhinga ko 5 tau.

E wātea ana hoki ngā kiritaki auau tikanga pai. ka waiho raro e 8-10% te auau. ka waiho te nui iti, me te mōrahi i te taumata kotahi. Huri i te reira i roto i taua e kia iti te tuhene.

rīanga

Ko te painga ki te tahataha, e wehi ana te mate mate o kaha kiritaki ranei te ratonga. Tikanga, Ko te nui o te utu rite ki te hopoi'a, engari e kore e taea e ki runga ake i te 3 miriona. Moni. Auau Ko e pā ana ki 2-3%, engari mo ia kiritaki kua whakatakotoria reira takitahi.

e kore he āki inihua. Ki te tautohe i te pareparenga e te mahia o te kawenata pānga te otinga, whakapono kore e waiho te reira. Ahakoa, ki te kore e tīpakohia inihua, e kore te hokohoko atu o te hoko, ka huri.