Chabwino n'chiti kutenga ngongole kubanki: zosonyeza ndi ndemanga

Mwatsoka, mu dziko lathu mmene chuma chikuyendera kalekale osauka. Zofuna za munthu aliyense. Koma osati ndalama zonse zilipo kuti akakumane nawo. Chifukwa anthu ambiri safuna kulembetsa ngongole. Komabe, - nkhani yaikulu. Choncho anthu mosamala kuyang'ana bungwe chuma umene opambana mawu yabwino kwambiri ngongole. Pambuyo kuyerekeza zingapo zimene mungachite likukhalira kumvetsa zimene mabanki bwino kutenga ngongole.

mtsogoleri wopezeka

Mu malo oyamba kusanja, kumene, ayenera Sberbank. Zomwe sizodabwitsa. Ndipotu, ndi lalikulu ndi "zaka" banki mu Russia, ambiri a magawo amene (52%) wa CBR.

Izi bungwe ndalama amapereka angapo mitundu ya ngongole. Mwachitsanzo, ndi ogula. Mu Bank ndalama zikhoza amaitana unsecured. Zolemba malire kuchuluka - oposa 1.5 miliyoni rubles, mlingo - kuchokera 16,9%, ndi mawu kungakhale kwa zaka zisanu.

zinthu zambiri zabwino zoperekedwa kwa anthu amene amakhulupirira kuti pobadwa. Ndiye kuchuluka zotheka ngongole ndi kuchuluka kwa rubles 3 miliyoni, ndipo akuyamba chiwongola dzanja s13.9%. Wosasintha kokha nthawi.

Anthu ambiri amachita chidwi ndi zimene banki bwino kutenga ngongole, kuchita kuwerengetsera kuyambirira, kuti athandize angathe angakhale ndi kuwona. Chabwino, mungapereke chitsanzo. Munthu ndi ndalama 60,000 rubles mwezi, amalipidwa pa khadi ndalama Bank, amatha kutenga zaka ziwiri, za 640 000. Kwa iye, chiwongola dzanja ndi 13.9% pa annum. Mwezi uliwonse adzayenera kudzapereka za 30 550 p., Ndipo kuchuluka kwa overpayment chifukwa akanakhala 95 000.

"VTB 24"

Kuyankhula za pyadidi mu banki kutenga ngongole, osanenapo ndi "VTB 24". Ndipotu masanjidwe, bungwe akutenga malo chachiwiri.

"VTB 24" amapereka angapo mitundu ya ogula ngongole. "Close" - kuchokera 400 000 kwa 3 000 000, kwa miyezi 37-60, ndi mlingo wa 15.9-17.9% pa annum. "Liwiro" - 100 tsa mamita .. mpaka 3 miliyoni. Mawu, amene adzayenera kulipira ngongole ndi kwa miyezi 6 mpaka 36. Ndipo mtundu lomaliza - ndi "imathandiza" kadi. Monga zimatenga Uwerenge 100 mamita P.. kuti 399999 p. Nthawi - kuchokera miyezi 37 mpaka 60. mlingo - 16,9 - 25%.

Mwa njira, anthu ambiri akudabwa chimene banki bwino kutenga kubweza ngongoleyo, kupeza malangizo kuziyika izo mu "VTB 24". Mu gulu ili kwenikweni zinthu kwambiri. Tiyerekeze munthu akufuna kugula nyumba 1 chogona kuti rubles 4 miliyoni. Zidzatengera amathandiza koyamba 1 200 000. Kuchuluka kwa anthu ofunitsitsa kugula nyumba koteroko, kawirikawiri kukhazikika. "VTB 24" amapereka Pankhaniyi kukonza kubweza kwa zaka 10. Ngati munthu alandira mu mwezi za 65 000 rubles, mtengo wake ndi 11,4 chabe% pa annum iye. kufunika A kulipira 39 000 pakani. / M.

"Rosselkhozbank"

Izi bungwe ndalama m'malo wachitatu kusanja. Ambiri, popeza anaphunzira mwatsatanetsatane nkhani yoti, kodi banki bwino kutenga ngongole, kusankha "Rosselhoza". Makamaka zaphindu ndi njira yothetsera anthu amene akukhudzidwa ndi "ntchito malipiro" a gulu la Yehova. Kwa iwo, chidwi pa ogula ngongole popanda chikole akuyamba ndi 15,5% pa annum. Ngati munthu akufuna kutenga 750 zikwi rubles (pazipita kuchuluka) kwa miyezi 36, ndi ndalama mwezi wa 60 000 pakani., Ndiye adzayenera kudzapereka okwana 26 000 pakani. / M., Pa mlingo wa 16,9% pa annum. N'zosadabwitsa kuti anthu ambiri kusankha "Rosselhoz" ngati ndi funso lokhudza lamulo limene banki bwino thamo.

Komanso pali ukuchita bwino pa zanyumba. Nyumba mu LCD "Tsaritsyno" Mwachitsanzo, anapereka osachepera mlingo wa pachaka wa 7.5%. Ndipo komabe pali asilikali ngongole kubweza kugula malo ndi thandizo la boma ndi ntchito zina zambiri. Mukhoza kukonza nyumba ngongole pa zolembedwa awiri! Only izo kupanga chopereka koyamba 40%. kutha nthawi yomweyo kulipira ndalama monga chitsimikiziro m'kamwa ndalama wake. Ngati akufuna, tiyeni titenge rubles miliyoni kwa miyezi 36, mtengo wake ndi 14,4% pa annum iye. ndalama mwezi Only ayenera 60 mamita P.. Chifukwa aliyense masiku 30, adzayenera kudzapereka matani 40 P.. mbampasa.

"Alfa-Bank"

Mu masanjidwe ambiri, omwe amasonyeza bwino lomwe banki bwino kutenga ngongole ndalama, gulu m'gulu pamwamba atatu. zinthu zabwino. Zolemba malire kuchuluka - 2 miliyoni rubles. Akuti - kuchokera zaka imodzi asanu. Mabungwe No guarantors si koyenera, mlingo wa pachaka wa kumayamba ndi 13,99%, ndi kusankha apereke adzakhalanso mwa masiku. Ndipo kuthekera alipire oyambirira, omwe kwenikweni kugwirizana ngakhale pa foni.

Komanso kopeleka malipiro makasitomala a m'gulu amapereka zinthu zabwino pa kubweza lapansi. Ngati munthu akufuna kugula nyumba msika sekondale, ndiye angathe apereke ndalama kwa zaka 5-25 ndi zopereka koyamba 30% ndi chikalata chimodzi chokha kulembetsa. Mlingo Choncho zopanda 17,3% pa annum. Ngati mukufuna kugula nyumba, muyenera kusankha 40% chonse pamodzi.

"Gazprombank"

Anthu ambiri amanena - n'kwabwino kuti asankhe gulu ili, ine ndangotsirizira funso za dongosolo limene banki bwino thamo. Ambiri anena kuti imodzi yabwino.

Ngati inu kudzapereka ngongole kwa nthawi ya chaka chimodzi, mlingo adzakhala 13% ndi mapulogalamu ndi 14% - popanda iye. Loan ayenera kukonza nthawi yotalika? Ngati zimasiyana chaka chimodzi mpaka zaka zitatu, chiwongola dzanja pachaka zingawonjezere kuti 13.5% kuchokera mapulogalamu ndi kuti 14.5%, ngati palibe. Ndipo pa ngongole kwa miyezi 36-60 kulipira 14% ndipo 15% motero. Mwa njira, "Gazprombank" mlingo kasitomala pansipa 0.5%.

OTP

Bungweli, nayenso, si mu malo otsiriza mu kusanja mabungwe audited ndalama. Komanso, ambiri akulangizidwa anali iyeyo, ngati munthu ali ndi chidwi chimene banki bwino kutenga katundu ngongole.

Ngongole kwa OTP kupereka ndalama kwa cholinga chilichonse. Tiyeni tinene munthu ayenera kutenga matani 500,000 P.. kwa miyezi 24. Iye akhoza kupereka ndalama kwa 14,9% pa annum ndi malipiro mwezi wa 24 220 rubles.

OTP kubweza ku yabwino kwambiri, makamaka "awo" makasitomala. Yokhala mu komitiyi - zaka 30. kubweza A ndi boma anapereka chiwerengero cha 11.2%. Pakuti nyumba yatsopano - 12%, komanso nyumba yotsirizidwa.

Mwa njira, TNA ogwirizana makampani, kugula malo amene angagwiritsidwe wosindikiza pang'onopang'ono kapena ngongole. Izi ndi DNS, "Mtumiki", "Euroset" Media Markt "kugwiritsa-Force", "MegaFon", "585", Elena tsitsi ndi zina zambiri zopangidwa otchuka.

"Nkhokwe"

Iyi ndi amamudziwa bungwe malonda ndalama. anthu ambiri nthawi zambiri analangizidwa kuti mulankhule nawo ngati munthu ali nazo chidwi zinthu bwino kutenga banki ngongole n'kopindulitsa.

The osachepera ndalama - 100 000 T tsa, pazipita -. Miliyoni. nthawi yobereka zingasiyane miyezi 24 kuti 84. Mlingo akuyamba pa 16.5%, ndi kusankha apereke zikutengedwa masiku atatu.

Ngati munthu ali ndi kasitomala "nkhokwe", akhoza kumupatsa munthu miliyoni rubles pansi 5,16% pa annum, ngakhale kuti malipiro mwezi adzakhala 26 m. P.

Apanso, kubweza akhoza chikalata. The osachepera pachaka mlingo - 11,25%, mawu - zaka 5-25. The malipiro koyamba akhale 15%. The pazipita kuchuluka ngongole si, koma osachepera -. 600 p. (Moscow), 300 r Mukhoza. P. (Zigawo zina). Tengani chisankho mukati ma masiku asanu. Mwa njira, akadali zotheka tsankho kuchepetsa ngongole ndi kuchuluka kwa ndalama kapena alipire oyambirira.

"Ugra"

Izi olowa katundu gulu malonda. Kuyankhula za pyadidi mu banki kutenga ngongole (mndandanda wa mayina, ngati ife tingakhoze kuwona lonse), tisaiwale tcheru ndi "Ugra". Iye amapereka amitundu inayi ogula ngongole. Pali "wochezeka", "kwa cholinga chilichonse", "Wokhulupirika" ndi "penshioni". The peculiarity wa banki iyi kuti palibe zinthu chilengedwe - apa payekha aliyense kasitomala anasankha mwatsatanetsatane, malinga ndi ndalama zake ndi mwayi. Kotero kuti kalembera ayenera choyamba mafomu ofunsira.

Yemweyo amapita kubweza lapansi. Koma pali ena abwino. The malipiro koyamba akhale 20% ya chonse pamodzi. mawu a ngongole - kuyambira zaka zitatu mpaka makumi atatu. The osachepera kuchuluka 300 000 rubles, pazipita - 10 miliyoni p.

"Avtotorgbank"

Izi udindo zochepa ndi Dziwani tcheru, akulankhula za, zimene banki bwino thamo. Mavoti makamaka umaonetsa maina otchuka a mabungwe a zachuma. About "Avtotorgbank" anamva ochepa. Koma amapereka zinthu zabwino ngongole galimoto.

Pa abwenzi bungwe ambiri, kuphatikizapo opanga odziwika yachilendo. Ndalama nkhani galimoto ngongole kubanki mumauro, ndalama rubles. The osachepera ndalama - 300 000 rubles, pazipita - 5 miliyoni. Nthawi akhoza zosiyanasiyana, kuyambira miyezi 6 mpaka 60. The malipiro koyamba ayenera kukhala osachepera 20% ya mtengo wa makina. gawo si chofunika, monga iwo kupeza kugula galimoto (inu ndidzadutsa pa TCP waikamo mu banki).

Ngati munthu amanyamula kuchuluka kwa miyezi 6 mpaka 12, mlingo wa pachaka adzakhala 18%. Kuyambira 13 36 - 19%. Ndipo kuyambira 37 mpaka 60 - 19,5%, motero. Ambiri kutenga ngongole mumauro kapena madola, chifukwa Mulimonsemo, ziribe kanthu zomwe nthawi osankhidwa ndi makasitomala, mlingo adzakhala 15%. Koma mu nkhani iyi kwambiri pali chiopsezo, ndipo sizimadziwika mitengo kuwombola.

"Sovcombank"

Bungweli ndi Dziwani chidwi, kulankhula zimene banki bwino thamo. Mayankho za izo makamaka positive. Ndipotu, "Sovcombank" zimapangitsa ogula ndi ukuchita bwino. Komabe, ntchito yabwino gulu la anthu amene amafuna pang'ono. Mwachitsanzo 100 000 akhoza chikalata pa 12% pa annum kubanki. Zimafunika borrowers otsika - Russian nzika, zaka 20 ndi 85, nyengo 4-mwezi kuntchito otsiriza ndi kulembetsa okhazikika m'chigawo (komanso osachepera masiku 120).

Pali ogula ngongole "Standard" ndi kuchuluka pazipita 200 000 rubles, "Superplyus" (600 000 pakani.), "Penshioni", "Express" ndipo ngakhale otchedwa ngongole "N'losautsa" anapereka pa ulaliki wa zitupa ndi masatifiketi maphunziro apamwamba .

Kodi makasitomala amatiuza?

Pomaliza, inu mukhoza kuyankhula pang'ono za mtundu wa ndemanga pa gombe kusiya anthu kugwiritsa ntchito zawo.

Comments zosiyana. Ndaitchula "Ndalama Bank" Mwachitsanzo, alandira onse maganizo oipa ndi abwino. chakuti gulu akusokoneza zofunika kwambiri kwambiri borrowers angathe. Ndi kutenga ngongole ku yabwino otsika chidwi zitha kukhala munthu amene, chifukwa cha kuchuluka kwa ndalama movutikira mwa iwo, nkomwe nthawi kuona kufunika kutenga ngongole. Mwachitsanzo, pofotokoza za mabungwe zinanenedwa kuti pazipita kuchuluka - 3 miliyoni rubles (a guarantor). Koma ngakhale mamiliyoni awiri ndi theka angapereke kwa miyezi 60, kokha munthu zinachitikira zaka zingapo ndipo malipiro a 150 000 pakani. / Mwezi. Koma si ndakuwonetserani, monga mlingo wa pachaka adzakhala 14,9%, ndi kuchuluka okwana overpayments - 1130000 p. Kotero kuti tariffs kutsutsana.

Ndi "VTB 24" makasitomala adzinenera ena. Kumbali ya mitengo ndi utumiki onse chikhulupiriro chabwino - monga kufotokoza, koma kudikira nthawi yaitali. ntchito akhoza kukhala mmodzi basi osati ngakhale masabata awiri. Chifukwa, ngati anaganiza kutenga ngongole ku "VTB 24", ndi bwino kuti ndichite izi pamaso kulembetsa. N'chimodzimodzinso "Rosselkhozbank". Ndipo zambiri kupeza ngongole kwa ndalama zambiri ndi mtengo mpikisano wa ukuwonjezeka chidwi ngati munthu ali ina mu mawonekedwe a chuma mtengo. Choncho anthu limatitsimikizira kuti adakonzeka ndi ngongole ya "Rosselkhozbank".

Ndipo angapo mawu za banki OTP. Bungweli akuti ndi makasitomala ake, amayima zolimba pamaso ena chiwongola dzanja wabwino. Anthu ambiri anatenga ngongole, zikumbutso nthawi kubwera ku banki za alipire ngongole. Anthu ena sindimakonda izo, koma zimenezi chifukwa cha anthu sitinaiwale - kwa mayiko.

Ambiri, mu Russia pali zambiri zabwino mphika. Chigamulo kutenga ngongole - chinthu chachikulu ndi udindo. Kotero kusankha mokomera bungwe angofunika kuganiza mozama kwambiri ndi familiarized ndi zikhalidwe za mabanki onse kuyesedwa.