Kodi n'kwabwino kutenga ngongole kuti pensioner chiyani? Yabwino ngongole kwa anthu okalamba mu Sberbank

Pamaso kupereka ngongole kwa wobwereka ndi, aliyense bungwe ngongole limafufuza viability ake ndalama. Nzika amene afika zaka zopuma pantchito sitinganene kuti ngati. Lang'anani pa gombe.

Kodi ngati kuyesetsa panopa ndalama? Amene banki ndi yopindulitsa kwambiri kutenga ngongole pensioner? Taganizirani pang'ono mabungwe a zachuma amene anthu amsinkhu penshioni ndalama pa ngongole.

Kodi kupeza ngongole kwa anthu okalamba?

Adapuma, kugonjera ntchito ku banki kumvetsa zomwe gulu lake borrowers. Pali atatu okha.

The choyamba - ndi wosaoneka kwambiri mawu a gulu la borrowers a mabanki, amene si kwambiri mwayi wa kuti apereke ngongole yabwino kwa pensioners. Nzika mu gulu ili alibe zina bizinesi, kupatula penshoni. Ndipo sangathe kupereka mtundu katundu aliyense (makina kapena osasunthika) kwa ina. Komanso, iwo alibe guarantor amene akhoza kuthandiza iwo mu processing wa ngongoleyo. Ngati banki amavomereza ndi issuance ndalama choncho pensioners, kuchuluka ambiri musalumphe 30-50 zikwi rubles.

Kuti ngongole yabwino kwa pensioners, mamembala a gulu lachiwiri ayenera kukhala ndi mtundu uliwonse wa chuma (weniweni kapena munthu), kupereka monga ina. Pankhaniyi, kuchuluka kuti banki mwina ngongole ukuwonjezeka kwambiri. Kutsimikiza penshioni kwanu komanso pangafunike kupereka kalata kwa Fund ndi penshioni kuchuluka kwa ndalama.

Mamembala a gulu lachitatu, kudalira ngongole yabwino kwambiri anapuma pa ntchito. Ndi za pensioners ntchito, borrowers amene akufuna kulembamo zasungidwa awo. Choyambilira: kulandira ngongole ayenera mudzalipidwa asanafike zaka 75 zakubadwa.

N'chifukwa chiyani mabanki amakana ngongole okalamba?

Chifukwa chachikulu chimene mabanki sanafune kuona borrowers awo pensioners n'zomvetsa chisoni ndi moyo zaka zambiri. Akazi Russian izo zimasiyanasiyana zaka 72-75 ndi amuna - 57-62. Mu mawu ena, Bank timaopa kuti ngongole sati udzabwezeredwa pa nthawi, ndi m'malo phindu adzakhala patsikulo. Ochepa a anthu achikulire angakwanitse kupereka chuma mtengo kapena sureties zogwira mtima kwa zinthu Bank.

Kodi mabanki ntchito ndi anapuma?

Kumene, sizikutanthauza kuti anthu okalamba alibe mwayi kutenga ngongole ku banki. Pali 200 mabungwe a zachuma amene kupereka ngongole kwa pensioners. N'zothekanso kutenga ngongole mu ngongole ndi cooperatives ogula (PDA), kapena mabungwe microfinance (MFIs). Komabe, kosamalira ndalama otsiriza chidwi pachaka amangokhala kukhala yaikulu ndi 700.%.

Taganizirani mabanki kuti apereke ndalama kwa anthu achikulire pa mitengo wololera komanso kupeza ngati n'zotheka kutenga ngongole yabwino kwa pensioners ku Bank ndi ndalama.

banki ndalama

banki iyi lingapereke ake anapuma tsogolo borrowers ndi yabwino kwambiri mankhwala ngongole amene chidwi mitengo zosiyanasiyana. Kutalika kwa zingati pachaka cha ngongoleyo chimadalira pa nthawi imene ndalama atengedwa, komanso pa phindu la ina. Documents kuti akufunika kuti ajambule ngongole yabwino anapuma pa ntchito, ndi muyeso. Ndi ndani khadi ndi satifiketi penshioni.

Kuti angakonze kubweza ndi Sberbank, ndi pensioner ayenera zapamwamba malo ndi chuma kwambiri ina.

Rosselkhozbank

banki amapereka ngongole kwa magulu awiri a pensioners: ntchito ndi ulova. Ngati wobwereka ndi kupezera ina, ndi chiwongola dzanja adzakhala wofanana 15% pa annum. Popeza chuma, oyenera kupanga chikole, mlingo akhoza chinawonjezeka ndi mfundo 10-12. kuchuluka chikalata kuti pensioner, kodi kuchita masamu kuti nkhani iliyonse payokha. Nthawi zina, ngongole ya mpaka 100 000 rubles.

Kuchokera mu zolemba, kupatula khadi penshioni ndi pasipoti, ndani khadi, mungafunike mgwirizano wa inshuwalansi munthu wobwereka. Ichi ndi chimodzi mwa mtsinje, kumene ngongole yabwino kwambiri pensioners.

Sovcombank

banki lolunjika pa ntchito ndi borrowers amene ali osauka zimachokera. Zikuphatikizapo madokotala ndi dera maphunziro. Sovcombank komanso Tera ndi pensioners ntchito ndipo sanali kugwira ntchito. Zofuna analonjeza zikalata, osachepera: Russian pasipoti ndi satifiketi penshioni. Palibe mtundu wa chitsimikizo si chofunika. Kuchuluka kwa ndalama zimene banki angapereke wobwereka, pensioner, kuyambira 30 000 200 000, ndi chidwi kuchuluka pachaka 26-30%. Kuchuluka komaliza kuti wopuma pantchito adzalandira pa manja anu, zimadalira mphamvu yake kukwaniritsa udindo wake ndalama.

Borrowers amene angatanthauze banki sayenera zaka kuposa zaka 84. Ndipo mwina, ngati akufunika kutero mu kamangidwe ka inshuwalansi munthu mgwirizano. Sovcombank ndi chimodzi mwa gombe yabwino kwambiri, komwe nkwabwino kutenga ngongole kwa pensioner lapansi.

PDA

Mawu ndi ogula cooperatives, mosiyana ndi mabanki, kugwira ntchito ndi pensioners, akuganiza kuti ndi borrowers kwambiri udindo. Anapuma njira kuganizira ena kwambiri posankha ngongole ya.

Pafupifupi PDA ali chiwembu penshioni okalamba, omwe nthawi zina zinthu zambiri zaphindu kuposa makasitomala wamba. chiwongola dzanja ŵakwenera ndipo zimakhala poyerekeza kuti borrowers ntchito. Inu mukhoza kutenga 10 000 rubles, popanda talonjezedwa. Koma ngati wobwereka akufuna kuonjezera kuchuluka kudzakhala chofunika belo. Monga guarantors akhoza kuchita pensioners kapena achibale wobwereka a. Iye yekha, ndi ngongole ya CCP, kumachititsa guarantor a.

Kalata yochokera Fund ndi penshioni kuchuluka kwa malipiro ndi safunikira kupereka, angakhale okwanira kuonetsa satifiketi penshioni, ngati kuchuluka si upambana pakhomo la 35 000-40 000.

Mawu wapatsidwa pazipita zaka 2, koma wobwereka akhoza prepay izo. Mulibe kulipira chindapusa.

Lililonse wopuma pantchito ayenera kukakumana CCP ndi kulipira ndalama khomo. Mu ena cooperatives amalipiritsa ndi 50-100 rubles, ndipo ndalamazo amatha ndithu kwa aliyense. Ngati kukonzanso chithandizo chilichonse wopuma pantchito angayembekezere atsogolere zinthu mogwirizana.

Kudzera m'ndondomeko zotere mabungwe kukongoza kusonyeza borrowers awo anapuma kuti pantchito sizikutanthauza kuti moyo yatha. Ndipo kuti ndi ngakhale penshioni yaing'ono, mungakwanitse kugula lalikulu.

Aliyense wa borrowers akulu ayenera kusankha lokha, nanga kwambiri zaphindu ngongole kwa pensioners. Iwo ayenera kusankha zimene bungwe bwino adiresi: banki, PDAs ndi mabungwe ena ngongole.