Loan ma palena iki panee ana: kahi e hele ai?

No ke kōkua 'i ka pali, ua pono me, ia mea pono no ka ike lea i ka polokalamu o ka pali. Loan ma palena iki hoihoi ana e ia i ka mea maikaʻi i waeʻia, no ka mea, alaila e ole i ke overpay. Ano, i kekahi mau kapa kaumaha like rula, wale Pono e koho i kūpono. He loa mea eʻoi aʻe e pili ana i Sberbank, akā, IeAUPIIe, IAa IO nā mea kūʻai mai makemake e ohi i palapala likeʻole, a undergo i kekahi kaʻina hana lōʻihi o ke kakau ana.

Where e hele ai?

nui mau kapa a pau ke hoʻohana i loko o Rusia, a kaumaha aku la kona mau hua'ōlelo. Akā, ua pono i ka poʻe i nā mea a pau o ia mau mea. Papahana oko i hua'ōlelo o ke kakau ana o ka aelike, na dala holo 'awelika. Loan ma palena iki hoihoi kumu pono e hoopuka aku i loko o ka oki pali. Lākou Eacaonoai, ioiinyony:

1. "Sovcombank".
2. "Pakebona aie".
3. "Home aie".
4. Sberbank.
5. "Citibank".

Kēlā me kēia poʻe e kaumaha ana i kanaka hiki mai. Payroll nā mea mālama mai i ka mea pono, e loaa 'ano kūpono no ke alu like. 'Oe ke kapa i ka lānai hou wehe kapa i loko o ka māhele' āina. Mau kulanui,ʻo nā mea kūʻai mai waiwai papa hana, no laila, kiʻi i ka hoaie ma palena iki hoihoi ana e e maoli.

Pinepine he uuku pakeneka o ke huna nui Nā uku hoʻopaʻia, nā koina a me ka lapaʻau. He mea pono e hoʻohana i ka lawelawe ana i ka poe kapa i e ole hūnā i ka overpayment. Honesty i loko o keia mea ka mea nui.

Pehea e loaa i ka palena iki pakeneka?

E kiʻi i ka hoaie ma palena iki panee ana, e pono e koho i ka polokalamu akau. No ka kakau o ka consumer uku mea e pono ai:

• i kiʻekiʻe uku;
• i collateral;
• ia i ka mea nāna o ka maikai aie mōʻaukala;
• ,ʻo guarantors.

Ua apono 'oe e koke e hele ma nā mea a pau i nā ho'āʻo ma, i loaa i ka maikaʻi i nā pane. Pēlā nā mea kūʻai mai i kaumaha 'ano kūpono. Hooloihi ae iʻae kōmi emi. Loan ma 2 palapala, a i puka mai no ka 1 ka lā, i ke kiʻekiʻe pakeneka. Bank buke a me ka 'oihana seniority,' ohana 'ole. He mea pono e akahele hoʻopiha i loko o ka palapala, maiʻaʻole hoʻi e hala i kekahi mea nui loa.

palena iki pakeneka

'Oe e loaʻa kaumaha ai oukou ia, no ka mea, i ka papa uku o 10% no ka consumer uku. Ka palena iki pakeneka i e kiʻekiʻe. Ka pākēneka Ua puni 15-20%. A aka ma luna o 20% ua i manaoia mea eʻoi aʻe ka waiwai.

Ma kēlā me kēia māhele 'āina i kekahi mau kumu. Nolaila, e pono no ka ike lea i ka hāpai 'ana o kekahi mau kapa, koho i ka pono. Ka mea e ole nana unrealistic waiwai polokalamu no ka mea,ʻaʻole kālā hui e hana i ke pohō. He undesirable e hoʻohana i ka ai intermediaries, i na mea he nui o lakou i lawe i ka pakeneka.

hoʻomāka loan

Manao aie ma lalo o ka palena iki pakeneka o ka pale ma Moscow Ua oi pipiʻi aie. Ka mea hāʻawi ka mea i ho'ākāka 'ia i mea kuka, i kekahi i kekahi pilikia no ka pali. Inā 'oe e pono ai ke kālā e kūʻai i kekahi kaʻa, hoʻonaʻauao a me ka lealea kaapuni, oe e koho i ka mākaʻikaʻi noi.

Aia ka he manawa kūpono no aaioee i ka aie no ka 'inikua lapaʻau a me ka ahaaina. Mau papahana, e hoola 3-5% o ka makahiki. Inā e makemakeʻoe e kiʻi i ka nui huina, a laila, i kēia pono e e kekahi '. No ka hoʻomāka papahana e pono ai i nā palapala kuhikuhi, e like me e hooiaio ai i ka i hoʻohana na dala i manao ia.

Kind o loan ma ka makauliʻi Bank

Sberbank pono panee ma loan. Ka hui kaumaha ana i kekahi mauʻano o loan.

1. Consumer. Available no kela la i keia pono. I kā mākou manawa - 25 makahiki.
2. Ei?. Me ka mea, e kuai maoli waiwai i loko o ka hale, hou 'ole e kūkulu i kou hale. uku au - i no 30 makahiki.
3. Car. Loan i haawi aku ai no ka mea kūʻai o ke kino hi. Loanʻia - mai i 5 makahiki.

Kēlā me kēia hana i kona mau peculiarities kakau ana. Nā lāliʻi hou e pili ana ia hiki ke loaʻa ma ka punaewele 'ole i loko o ka oihana o ka pali. E hoolilo ana i kekahi aie komo ai i ka hōʻailona o ka aelike, a iloko ona i kakauia na hua'ōlelo a me na kumu.

Loaa consumer aie

Ma ka makauliʻi Bank ke kiʻi i kekahi hoaie i pensioners ma lalo o ka palena iki pakeneka. O nä waihona palapala loan ku collateral a me kumu hoʻomalu. ʻO kā mākou nui o 1.5 miliona rubles. Uku au i loko o 3 mahina - 5 makahiki. E kiʻi i nā dala e pono e hoomakaukau i kekahi mau palapala me ka polokalamu na haʻi:

• noi;
• palapala holo'āina'ē;
• Kūikawā, hoʻomaka ihola kakau ana e hooiaio ai;
• hana a me ka nui o ka makahiki.

Inā 'oe e pono ai i ka nui huina, ka mea, ua koi' ia e kono aku i ka guarantors. Ma ia he kūikawā e like me ke kiʻi i ka 3 miliona. I ka hoʻoholo 'ia ma ka pali, i loko o 1-10 lā. Ma ka makauliʻi Bank panee holo 'awelika i loan i e haʻahaʻa ma ke alo o maoli waiwai collateral. A laila, he nui ke dala e hoomakaukau ai.

Nuances o nā lawelawe i

Inā kekahi kanaka mea,ʻaʻole he paʻa Client o Sberbank, ka uku e ia ma kahi o 19-20%. I ka hana ana i kekahi hoaie i loko o ke kālā o ka overpayment e ia 15%. Ka palena iki ka nui o ka aie i loko o ka makauliʻi Bank He 15 tausani rubles, a me ka i kā mākou -. 750 tausani rubles .. Inā he mea ai na dala i pāpālua. Ke crediting au He 5 makahiki.

'Ano kūpono i loaʻa no ka mau nā mea kūʻai mai. Ka uku e ia ma lalo ma ka 8-10%. A palena iki a me kā mākou huina e ia ma ka ia pae. Ua huli mai i ka overpayment e e uuku.

lapaʻau

Ka hana pono i ka kapa, ka poe i makau i ka make a me ka lilo ana o Customer nona iho. Nō kāu, o ka nui o ka hookaa ana mea i 'ano like me ka hana, akā, hiki ole e oi aku mamua o 3 miliona. Rubles. Ka mea e pili ana 2-3%, akā, no kēlā me kēia Client ka mea, ua hoʻonoho pākahi.

Insurance mea ole OAXA. Inā ka pali, hoʻopaʻapaʻa ana i ka hooko ana i ka 'aelike e loli ai i ka pāʻoihana, manaoio ka mea e ole e. Oia hoi, ina ua ole wae lapaʻau, ka mau nō lā hoʻi o ka hana e ole loli.