Ndalama: Tingapange Bwanji mapu kwa pensioner ndi?

anapuma ambiri makasitomala a mabanki osiyana. Koma mabanki angapo kupereka mwayi wawukulu anthu a zaka zopuma pantchito kutenga ngongole, chifukwa gulu la makasitomala ali pangozi (kulephera kubwerera ndalama anabwereka). Sberbank, potamanda penshioni, amapereka ndalama kwa anthu okalamba mu zosungitsa yobwereka, pamene mabanki ena zinaika chifukwa cha ukalamba.

Ndalama: Tingapange Bwanji mapu kwa pensioner

Kuti kalembera wa mtundu wa ngongole muyenera kupereka kapitawo pasipoti wa banki, nambala VAT ndi satifiketi kuchuluka kwa penshoni accrued. Akuti posankha zochita zambiri masiku oposa awiri. Kukachitika kuti pensioner kulandira ndalama za penshoni, kudzera Bank ndalama, ndiye chikalata akuyenera kupereka yekha pasipoti, ndi mawu a chisankho adzakhala kusanduka maola awiri. Ngati zopereka penshioni wapatsidwa ndi banki ina, n'zotheka kuti apereke khadi Visa. Ndalama zambiri amakoka popanda mgwirizano, koma amapereka mwayi apindule wa bungwe lino. Ndipotu, ambiri a nkhani banki mapulogalamu kasitomala kukhulupirika. Choncho, borrowers, ndalama ndi anthu ena amene ntchito misonkhano ya Bank ndalama, pali mapulogalamu bonasi, kukwezedwa, ndi zina zotero.

Ndalama: mmene azikongoletsa khadi ndi zomwe zikuchitikazi

Zikhalidwe atapereka ndi Sberbank cha ngongoleyo, n'chofunikira ndi zomveka. Choyamba, m'badwo wa munthu kutenga ngongole zoterozo pulogalamu ayenera anakhazikitsa malamulo kwa anthu pantchito. Ndiko kuti, ali ndi ufulu ntchito mapulogalamu ngongole kwa akazi zaka 55 ndipo amuna zaka 65. Chachiwiri, pa mapeto a nthawi ngongole zaka wobwereka adzakhala musalumphe zaka 75. Kuchuluka ngongole kungakhale razlnoy, izo zimatengera pa zikalata anagonjera. Ndiko kuti, ngati pensioner akulephera kupereka chitetezo cha alipire ndalama kubanki, kuchuluka kwa ngongole adzakhala kwa rubles 15 zikwi ndi 45 zikwi, ndi malipiro a zaka 3. Ngati belo akhoza mopepuka, kuchuluka ndi nthawi zingawonjezere mogwirizana. Phunziro la chikole akhale ngati malo ndi magalimoto, komanso zitsulo zamtengo wapatali kapena sheya.

Ndalama: mmene azikongoletsa khadi pensioner (mfundo)

chiwongola dzanja kudzadalira makonzedwe a zinthu ngongole ndi nthawi yake. kawirikawiri amakhala pakati pa 15% -21% pa annum.
Ngati kuchuluka bungwe banki, sanakhutire ndi pensioner, zikhoza kuwonjezera malire ngongole ndi kupereka zikalata zofunikira. Pakuti pensioners ntchito - ndi zambiri mawu ndalama kuchokera abwana ake. Anthu olumala - ndi chilolezo cha mkazi wake kukhala co-wobwereka. Pankhaniyi, chizindikiro cha solvency wa wobwereka adzapindula banjalo. Kodi chidwi ndi chakuti co-wobwereka mwina munthu wina. Mwachitsanzo, mwana wamwamuna kapena wamkazi. Mfundo ana anthu okalamba aphunzire zambiri zokhudza mapulogalamu onse ndi kufufuza zambiri pa nkhaniyi: "Ndalama:. Mmene azikongoletsa khadi pensioner"

Kuchokera pamwamba Ndizachidziwikire kuti mawu a ngongole kuchokera Sberbank zambiri amakhulupirika kwa zaka borrowers pantchito kuposa nyumba zina malonda. Choncho, ngati ndalama ndi zofunika mwamsanga kwambiri, muyenera kupeza ngongole ndalama Bank, osati chiopsezo akuyesera kuti achite izo mu mabungwe ena osati wotsimikiza-apamwamba.