Sberbank: oyambirira ngongole alipire (zinthu, kubwerera inshuwalansi)

Nthawi zambiri zimachitika kuti potenga ngongole kwa kuchuluka yabwino, makasitomala patapita kanthawi, anadabwa kupeza kuti muziteteze ndi wokonzeka kubwezera oyambirira kwambiri. Pamenepo tiyenera kupita ku bungwe la ndalama (mwachitsanzo, Bank ndalama). alipire oyambirira ngongole, monga izo ziri zachirendo, Si mwa bungwe lililonse ngongole. Ndipo zimenezi si zodabwitsa, chifukwa mwamsanga ngongoleyo, m'munsi ndalama analandira mwa Bank.

Komabe, pafupifupi onse mabanki amalola makasitomala awo kuti abwezere ndalama ngati iwo ali okonzeka kuchita izi, Koma nthawi zina m'pofunika kuchita zina zinthu zina, mwachitsanzo kulipira chindapusa kapena kulipira ngongole bwino mu utumiki.

Mmodzi wa mabungwe angapo banki, zomwe si afike borrowers ndi palibe zofunika zina ndi Bank ndalama ya Russia. About iye ndi kuyankhulana.

ndi alipire oyambirira Kodi

Kotero, ife kupita Sberbank. Kumayambiriro alipire ngongole zikhoza kuchitika nthawi yomweyo popanda zinthu. Muyenera kudziwa kuti msonkhano uwu uli wangwiro ndi tsankho.

Woyamba ndi mukupatsidwa imodzi kupanga ndalama zonse za ngongole kuphatikiza chidwi ndi anamaliza ntchito ya pangano ngongole.

Zikatero, wachiwiri ngongole ya N'chimodzimodzinso yekha mu gawo. Atafotokoza kuchuluka anakhumba (wozingidwa ndi malipiro mokakamizidwa) ngongole akhala yosalipidwa, pangano ngongole ndi kanthu akupitiriza.

Kunena zoona, ziribe kanthu momwe mtundu wa oyambirira alipire mungafunike akukuponderezani - adakali osati yopindulitsa ndi banki ndithudi wabwino kwa inu. Zaka zisanu zapitazo, pafupifupi onse mabungwe ndalama makasitomala chindapusa cha zimenezi, koma mu 2011 mchitidwewu anatsimikizidwa oletsedwa (Art. 809, 810 wa Civil Code).

njira yolipirira Annuity

Mukapita Sberbank, ndi alipire oyambirira ngongole, kapena m'malo zochita zanu nthawi yomweyo kudzadalira ndendende mmene kubweza ngongole yanu. Ngati inu muzikhala ndi annuity, ndiye inu kupanga mwezi uliwonse nkhani ya yofanana, kuti alipire oyambirira a ngongole muyenera:

• patsogolo kusamukira ku nkhani ya ndalama yokwanira;
• pa tsiku, imadzitembenuzanso ndi tranche lotsatira, analandira kuchokera ku banki wantchito ndi chilolezo chapadera kwa alipire oyambirira ngongole ya;
• pambuyo kupanga njira kufunsa munthu wogwira ntchito ku banki kukhala malipiro atsopano ndandanda, potengera muyezo kwambiri;
• ngati muli ndalama zonse kuonetsetsa kuti ngongole chatsekedwa, ndipo funsani wantchito wa Bank ndalama kuti apereke inu kalata kutsimikizira mfundo imeneyi.

Ngati ngongole ali ndi ndandanda kusiyanitsidwa

Ngati malipiro anu ali m'goli, inunso kukaonana ndi bungwe ngongole (Pankhaniyi - Bank ndalama). alipire oyambirira mu nkhani iyi limapezeka pafupifupi chimodzimodzi:

• anayambitsa wapakatikati mphambu ndalama zokwanira;
• Ife akaonekere kwa banki wantchito chilolezo pasadakhale kuti abweze ngongole (kapena gawo zake);
• kusainira waivers;
• chonde kuwerenga yotsala ya ngongole ndi kulenga latsopano alipire ndandanda.

Chenjezo! Ngakhale kuti kwa alipire oyambirira a ngongole Sberbank chidwi, chilango ndipo alibe kuganiza, ayenera kutsatira ena zikhalidwe:

• kuyamba malipiro oyambirira ngongole kungakhale palibe miyezi kale kuposa 3 ataphedwa ake;
• azipereka ndalama zina kwa alipire oyambirira ngongole, inu mukhoza nthawi iliyonse, koma chotsatira chofunika malipiro inu tionetsetse, malinga ndi dongosolo.

Kumayambiriro alipire wa kubweza ndi

Tsopano ganizirani funso ili, ngati alipire oyambirira a kubweza ngongoleyo. Ndalama pankhaniyi ngati si malamulo alionse, mukhoza kupanga ena alionse ndipo ngakhale kubwerera ngongole yonse.

Kumene, kuti abwezere ngongole yonse nthawi imodzi mwayi n'zokayikitsa zitangomera, koma ndalama zocheperako akhoza kupanga maziko mwachilungamo nthawi zonse. Pali njira ziwiri kuwerenga bwino kwambiri pa kubweza ndi:

1. Kuchepetsa kukula kwa malipiro a mwezi uliwonse chifukwa m'mbuyomo madipoziti zapadera. Njira imeneyi imagwira amagwiritsidwa ntchito kawirikawiri pamene kasitomala sakudziwa chimene mlingo wa ndalama m'tsogolo sadzasintha, ndipo iye akhoza kukwanitsa kulipira ndalama yaikulu kwa nthawi yaitali. Onse akuti ngongole Komabe, akanali yemweyo.
2. Siyani kuvomerezedwa ndalama pa mlingo chomwecho, koma chifukwa cha overpayment chifukwa kuchepetsa ngongole akuti yokha. njira iyi ndi otchuka kwambiri monga amaona kuti njira iyi mungathe kuchepetsa ndi overpayment okwana ngongole ya.

Mulimonsemo, pamaso asanakalambe ngongole, m'pofunika kufufuza mgwirizano mosamala. Mwina kale Pre-anawerenga njira zonse ndi zinthu alipire oyambirira.

Ndichite chiyani?

Choncho, sitepe ndi sitepe malangizo:

1. Inayikidwa pansi Sberbank yofunsira alipire oyambirira.
2. Lembani zikalata zina, ngati zofunika (ichi adzatiuza bwana).
3. Ife tikupempha munthu wogwira ntchito ku banki kuti recalculate bwino kwambiri, kapena kuchita izo nokha ntchito Chiwerengero pa webusaiti ake.
4. Tikugwiritsa ndalama ngongole mphambu wanu.

Chimodzi chofunika kwambiri mfundo: ngati cholinga chanu ndi kugwira alipire (okwana kapena tsankho) oyambirira, kubwera ku banki pasanafike 7 masiku isanafike malipirowo kuvomerezedwa. Apo ayi kanthu zimachitika, malipiro ukachitikire mwachizolowezi, koma alipire msanga ziyenera umasamutsidwa ku mwezi wamawa.

inshuwalansi kubwerera

Mukabwerera ndalama pamaso akuti, mungathe kupulumutsa osati pa anthu. Mukhozanso kuwerenga pa kubweranso kwa inshuwalansi ngati alipire oyambirira ngongole ya (koma osati aliyense akudziwa za izo).

Choyamba, muyenera kulankhula ndi inshuwalansi kampani (osati banki) ndi kugonjera zikalata izi:

• national pasipoti;
• Baibulo la pangano Ngongole;
• satifiketi ku banki kuti ngongole kwathunthu mphotho.

Inunso muyenera kulemba fomu yofunsira wopita kwa mutu IC, zomwe zikusonyeza kuti akutsatira kwa inshuwalansi obwezeredwa ngati alipire oyambirira ngongole ya.

Tisanayambe zochita pa kubweranso kwa inshuwalansi, kuwerenga pangano. Monga momwe mukuonera, polekanitsa ndi ndalama palibe amene amakonda, makamaka kampani ya inshuwalansi, choncho angathe kukhala mitundu 3 zinthu:

1. The obwezeredwa adzakhala anakana inu. Choncho ndi chiwerengero mwachilungamo lalikulu makasitomala. mfundo ndi yakuti mu Mapangano ambiri kumene finely ndi "zilankhulo" sizinatchulidwe mavuto IC amateteza wotuluka obwezeredwa lapansi. Only pa nthawi ya kalembera wa ngongole kwa makalata amenewa yaing'ono anthu ochepa kulabadira. Ndalama lako, mudzatha amatha okha adzakula tipezekemo thandizo la loya odziwa.
2. SC adzabwerera ndalamazi mbali. Zimenezi akhoza kukhala choncho, pamene pambuyo kuwayika inshuwalansi wakhala miyezi yoposa isanu. Insurance Wogwila zambiri kunena kuti ndalama anapita ndalama zaboma. Ngati kuchuluka mukufuna wamkulu mokwanira kupempha kwa kudzitamandira olembedwa a ndalama anatenga. Izi kupeza chipukuta misozi pazipita Komabe, zinthu monga mukudziwa, komanso ndi bwalo.
3. A obwezeredwa zonse. Childs, ndalama zonse za UK popanda akadzabweranso funso pamene ngongole anali mudzalipidwa miyezi 1-3 pambuyo kulembetsa. Pankhaniyi, pamaso pa mlanduwo, ayenera sadzabwera, chifukwa UK ndi chodziwikiratu kupeza mfundo iliyonse.

ena mokoma

Mu nkhani ya alipire oyambirira ngongole ndi zothandiza mfundo zingapo zofunika:

1. Pamaso kulankhula banki, kuyesera kupanga kuwerengetsera onse nokha, likuthandizani inu alipire ngongole Chiwerengero (pa malo Bank ndalama). Lembani m'minda kuwonekera pa 'Ŵerengerani "batani, inu mukhoza kuwona momwe ndalama mpaka malipiro, watsopano (zoyerekeza) malipiro ndandanda ndi zina zothandiza.
2. Nthawi zambiri, kulipira ngongole yonseyo m'mwezi woyamba pambuyo kulembetsa sachiza, nthawizina inu simungakhoze kuchita mu miyezi 3 kapena 6. Choncho musanayambe kudzapereka ngongoleyo, powerenga pangano, makamaka gawo la izo kumene kwalembedwa pa alipire oyambirira.
3. Gwiritsani alipire oyambirira n'kotheka, chifukwa amapulumutsa kwambiri ndalama zanu.