Loan o Sberbank o Russia - nga tuhinga, me nga tikanga mo te whiwhi

I roto i te tīmatanga o te rau tau rua tekau-tuatahi, hokosia he tangata he fakafalala nui i runga i te moni, a ka he tika ki take maha tenei. Ko wai e hiahia ana ki te ora i roto i te whakamarie, ki te papai yacht me te fare ki te tirohanga o te Kremlin, atu iwi i ki te rapu moni mo te mātauranga o ngā tamariki, me ētahi atu e hiahia ana ki te tīmata ratou ake mahi, engari e kore ratou e whai whakapaipai tīmata-ake. He aha te tangata e ki te whakaoti to ratou mau fifi moni? Noatia, e te reira ratou ki te whare nama.

mätanga te pēke i roto i te tuku taurewa me te nama

He tokomaha hoki taurewa i Sberbank - he anake te ara i roto i. He aha te kōwhiringa i roto i te nuinga o te wā taka te reira i runga i te hanganga pūtea?

I roto i te wahi tuatahi no te mea kua ia he ingoa pakihi arero, e e piki mo tekau tau. Ano, i roto i te täoro ki o te pēke institution i reira e tino ataahua i te wāhi o te tirohanga o te painga o ngā hōtaka tuku moni etahi, me nga tangata hoki ia e taea te whiriwhiri i te kōwhiringa tino tika.

O te akoranga, te taurewa i Sberbank - he torutoru "te ri'ari'a" tukanga, rite torutoru rawa iwi rite ki te kohi i te tuhinga ki te whiwhi moni. Heoi, he peeke i roto i kore take e kore e hiahia ana ki te marietia parekura pūtea, pera ki te tangohia whakaritenga motuhake ki ngā kaitono e. Tino maha i reira e āhuatanga ka pai nga kiritaki tino ihupuku ki te puta moni.

I tēnei wā, e kore e taea te hanga he taurewa i Sberbank mo te nui i roto i kahore mehua wā, e ko, te whakaaetanga taunaha, te ahanoa o e puta, rite ki te tikanga, peeke, me te hoko whare.

whakaritenga

au e mōhio he tokomaha e mōhio o te meka e kore e tetahi anga pūtea tango moni "noa te tangata." Hei tauira, puta he taurewa o Sberbank ki te iwi e whai raraunga Russian ranei kei roto i te mana o-noho kore, engari riro te tika mōhiohio ki te ora me te mahi i roto i to tatou whenua.

He hoki here i runga i tau. kia whakawhirinaki takitahi i runga i te pūtea taurewa, i ko 21 tau. I roto i tenei take, tangata mo 60 nga tau, kia rite ki te tikanga, kei te whakakahore te taurewa, engari to ratou i te whai wāhi ki te tango i te rawa o te hōtaka nama motuhake. Kei te hoki tonu āta titiro kaimahi Bank mahi mahi o te nama. Hei tauira, kei te whakamahere koe ki te whakarite i te taurewa i Sberbank. tikanga nama stipulate e whai koe ki te mahi i te hinonga kotahi hoki i te iti rawa e ono marama. Kia mau ki tenei i roto i te mahara. Ano, koutou katoa wheako mahi i runga i te rima tau kua hipa kia i te iti rawa kia kotahi tau.

A, o te akoranga, ki te whiwhi loans i roto i nga Tiaki Bank, nga ngā o nei i roto i ētahi wā he disadvantageous mo te kiritaki, ko reira e tika ana e te tangata kua he hītori nama arero. Ki te ohorere huri i te reira i roto i taua hanga i roto i te mua ia koutou i roto i te taurewa i tetahi atu whare pūtea, me te kore e hanga tonu utu wā i runga i te pūkete o tona paari, e kore e miharo, no te e whakahoki te kaimahi Tiaki Bank kihai koutou.

tuhinga

I roto i te tikanga hoki koutou i tetahi e whakaroa, ki te riro i te taurewa, kia tupato ki te kohinga o ngā tuhinga, i he e tika ana mo tona otinga.

tuhinga tuakiri Tuatahi o te katoa e koe e hiahiatia (he kape o te taketake). Ano ka hiahiatia kia koe ki te whakarato i tētahi kape o te pukapuka mahi, me e kia mua tohu-e te kaituku mahi. I tua atu, me te whakarato koe he kaimahi o te mōhiohio nama institution i runga i te nui o te moni (2-poka). O te akoranga, mo te rēhita o te taurewa pēke, me whai koe i te taumata e tika ana o te utu.

Me kï reira e i roto i ia hōtaka taurewa takitahi whakarato te rārangi o ngā tuhinga e hiahiatia ana, te rapu mōhiohio e pā ana ki e taea e te reira i roto i nga Tiaki Bank o ngā rauemi whakatairanga.

pēra

I tēnei wā, i roto i te tikanga ki te whakaiti ratou parekura pūtea o te hanganga nama e kaha te whakamahi i te taurangi institution. Heoi, i reira e etahi onäianei.

Hoki te hunga e e hiahia i roto i te pātai o te pehea, ki te tango i te taurewa i Sberbank kahore kaioati, i reira he kotahi anake rongo pai: ki te e korero tatou e pā ana ki te nui e kore rawa 45 000, kahore "wakaae" e kore e tika.

I roto i te take, ina titau nei te tangata ki te riro i 45 000 ki te 300 000, kia haina reira te tautoko o te tahi-kaiwaitohu. Ki te hiahia te kiritaki ki te 700 000 mano moni, kia kawea ia e rua ngā kaioati, pai, ina hiahia ia te nui nui o te moni - Me tu toru iwi rite kaioati o te noho tuwhera tonu pūtea o te nama. I roto i tenei take, e kore te tikanga e raro atu ratou tou moni. mōhio hoki e te whare pūtea tuku te nama i roto i te moni nui (i 300 000), ka rapua e te whakawhitinga o te taonga hei taunaha.

I roto i tetahi take, he taurewa nui i roto i te Tiaki Bank kahore kaioati - he nui ake pūrākau atu mooni tenei.

Me pēhea te ki te paunatia te "AtAKi" me "raruraru"

I mua i te tango i te whakatau i runga i ranei ki te taonga tarewa moni i te peeke, kia koutou katoa whakaaro āta, ka hanga i nga tātai katoa. Tango i runga i herenga nama, me mahara koutou e kia waiho koutou moni nui ki te utu i te nama ki te utu i runga i te wā. Kore, keri taea e koe mo ratou rua nama hohonu.

Na, e hiahia ana koe ki te whakatau ki mehemea e kore ranei e hiahia ana koe i te taurewa i Sberbank. Tātaitia te "pūmanawa" o te whakaaro, ka taea e koe te whakamahi i te tātaitai motuhake e taea te whakamahi i runga i te tomokanga tukutuku mōhiohio o te Tiaki Bank. Hei whakamahi i tenei taputapu, ka hiahia koe ki te tomo i te wāhitau o koutou noho, tohu te rahi pea, o te taurewa me tona wā utu.

au e mōhio he tokomaha whakaaro e pā ana ki te nui o e utu i te reira taurewa i Sberbank. Tātai inaianei e tuku i tetahi kōwhiringa, ahakoa he reira he taurewa mokete kiritaki ranei. Ki te hanga e koe i te hua tātai, ka kore e hoatu i te reira i roto i te ruma i roto rawa, ka tīmata te kohikohi i te tuhinga e whakahuatia ki roto i te hōtaka pukapuka tuku.

Ko te momo tino hāngai o te moni

I teie mahana, kia atu he tokomaha nui o te iwi, tae atu ki te whakatā tau, he taurewa kiritaki ki te taumata iti o te moni. Hoki te whakamahi o te moni i roto i te moni nama takoto te ki te utu 19% te tau, me te 14% i ia tau i roto i te moni ke. wā taurewa he hoki te 5 tau.

Ano, i reira e teie nei e tango maha kiritaki nama mō ngā hiahia akiaki, no te mea kahore e ona ngā tikanga ki te kitea ngā kaioati me rēhita o te taonga hei taunaha. auau Rahi Ko 21% i roto i moni, me 15% i roto i te moni. wā tuku he 5 tau.

I mua i te utu e koe ake te taurewa, āta tātari i te tikanga katoa o tona kai ki te karo i whaina heke mai, whiu me riro.