Ammaahiyay: noocyada iyo shuruudaha

Currently, deyn bangiga ayaa noqotay il caadiga ah ee maal-saxiix oo waa weyn oo labaduba dadweynaha iyo ganacsiga. qofka Uninitiated inta badan waa adag tahay in la kala duwan ee dalabyada amaahda iyo xaaladaha credit macaamilo.

Bank credit - wareejinta qof hay'ad credit a ama lacag cidda ku salaysan lacag leh xaaladda ay ku soo noqdaan muddo waqti go'an ka dib markii a.

Noocyada deyn bangiga

In dhaqaalaha, ma jiraan wax qeybinta hal daymaha in qaar ka mid ah noocyada ay. The ugu caansan waa calaamadaha soocidda soo socda:

• cidda daynta (dadka dabiiciga ah, hay'adaha sharciga ah);
• dheer (gaaban, dhexdhexaad ah, muddo dheer, dalabka);
• ballan (macaamiisha, deyn auto, maalgelinta, deyn, ganacsiga, warshadaha, beeraha);
• haddii ay xaqiijisatay (xaqiijisatay, shqsiga ah);
• size (yar, dhexdhexaad ah, weyn);
• habka bixinta (lacagta hal redeemable redeemable by jadwalka);
• nooca dulsaarka (go'an heerka, heerka sabayn).

Currently, credit bangiga, nidaamka bangiyada of Russia waxaa lagu beddelo, tiro sii kordhaysa oo dalab credit iyo xaaladaha ay waxa ay noqonayaan more kala duwan.

Later ee maqaalka aan tixgelin doonna si faahfaahsan ugu badan bangiga amaahda lacag caddaan ah oo loogu talagalay dadka iyo barnaamijyada amaah xuduudaheedu ku habboon.

deynta macaamiisha

Consumer - waa deyn bangiga baahida deg-deg ah, habka by kaas oo aad ka isticmaali karto on ujeeddo kasta at go'aankeeda. credit Consumer noqon kartaa ikhtiyaarka ugu fiican, haddii wadarta loo baahan yahay a-dhexdhexaad ah, iyo xawaaraha iyo hufnaan helitaanka lacagta waa mid aad u muhiim ah. Optionally, waxaad ka heli kartaa amaah ah ugu kaarka bangiga account ama lacag caddaan ah. Payment waa suurto gal by lacag caddaan ah, ATM iyo Internetka. Waxaad ku bixin kartaa by credit card credit, kaash ama kala iibsiga ka xisaabta.

Shuruudaha iyo xaaladaha:

• amaah Mortgage: qadarka ugu yar ee kala duwan 15-50 kun, ugu badnaan - ka 500 kun ilaa 3 million. Macaamiisha oo leh taariikh credit ay jariiradu iyo xaddiga macaamiisha mushaharka loo kordhin karaa.
• dulsaarka ku xiran tahay dhowr koobin oo uu leeyahay faafinta weyn ee bangiyada kala duwan.
• Term: sida caadiga ah soo saaray muddo ilaa 5 sano, laakiin in la kordhin karaa qaybaha qaar ka mid ah deynsanaya ama qaali ballan qaaday. Tusaale ahaan, bangiga macaamiisha Sberbank amaah siisaa ilaa 20 sano la rahaamad hantida maguurtada ah.
• Loo baahan yahay: mortgage suurto gal ah, shakhsiyaadka damaanad ama hay'adaha sharciga ah, soo saarista shqsiga ah.
• Muddada baaritaanka, ka 30 daqiiqo dhowr maalmood.

faa'iidooyinka:

• xirmo yar oo waraaqaha.
• Fududeeyey habka loogu tixgeliyo codsiga amaahda.
• The go'aanka muddo gaaban in la siiyo.
• Control of goolka of kicin lacag lahayn.
• Fursadihii aad lacagta gacanta.

darrada:

• dulsaarka sarreeya amaah ah.
• lacagta xadka credit Low.
• taariikhda Small amaah uu dhacayo, iyo, sida natiijo ah, a lacagta bil kasta oo weyn.
• Da'da ugu badan ee amaahdaana ka hooseeya deynta kale.

kaararka deynta

Shuruudaha iyo xaaladaha:

• lacagta deynta: Lacagta ugu badan ee credit card badanaa waa ku yar yahay, ee 100-700 kun rubles.
• dulsaarka, heerka ugu sarreeya ee amaahda oo dhan, laga bilaabo 17.9% ilaa 79% sannadkii.
• Term: 3 sano
• Ammaanka: ma loo baahan yahay.
• Muddada baaritaanka, ka dhowr daqiiqo illaa 1 maalin.
• muddo Grace: 50-56 maalmood, inta lagu guda jiro kaas oo waxba ma aad dhashid xiiso at maturity ee nolosha.
• guddiyo dheeraad ah: Guddiga inta badan waxay bixisaa taageero lacageed iyo kaarka. Tusaale ahaan, kaarka bangiga, "Home Credit" "Khariidadda iyadoo la isticmaalayo" kharash 990 rubles sano ah, iyo kaarka "gadashada faa'iido leh" - oo lacag la'aan ah.

faa'iidooyinka:

• Joogitaanka muddo nimcada.
• isuduwidda fudud ee codsiga.
• shuruudaha ugu yar ee la tixgeliyo.
• ugu yaraan The dhigay dukumentiyada.
• Ma jiro gacanta kharashka lacagta.
• Suurtagalnimada helo xogo ama mail.

darrada:

• dulsaarka sarreeya.
• rigoorayaal High bixinta daahay.
• Commission for lacag ka ATM noqday.
• lacagta amaah Low.
• Kharashka sanadlaha ah ee dayactirka kaarka.

daymaha auto

Baabuurta ayaa noqday baahi degdeg ah, laakiin aan lacag ku filan had iyo jeer la iibsan noocan oo kale ah. ammaahiyay for iibka ah ee baabuurta loo yaqaan deynta gaariga.

Shuruudaha iyo xaaladaha:

• size amaah: lacagta ugu badan ee 1-5 million rubles.
• dulsaarka: 10% sannadkii cusub iyo 20% sanadkii baabuurta loo isticmaalo.
• dheer Credit: ilaa 5 sano, muddada lagu kordhin karaa xaddi weyn.
• Dammaanad: gaari iibsaday.
• Muddada baaritaanka, ka 30 daqiiqo dhowr maalmood.
• bixinta Down, sida caadiga ah 10-25%, laakiin bangiyada qaarkood waxay bixiyaan barnaamijyo iyo lacagta ma hoos u.

faa'iidooyinka:

• Heerka Low amaah ah.
• Wadarta waa ka weyn yahay credit macaamiisha.
• marka la eego Gaaban ee codsiga.

darrada:

• Xirmada dokumentiyo badan daynta macaamiisha.
• muddo amaah yaryar iyo, sida natiijo ah, a lacagta bil kasta oo weyn.
• lagama maarmaan ah ee raasamaal heer hoose ah.
• Control badan kharashka ee miisaaniyadda helay.

daymaha amaahda

suuqa hantida maguurtada waxaa si firfircoon uga sii kordhaya, dadka u muuqdaan in ay soo iibsadaan guri iyo guryo la dhiso. Inta badan oo ka mid ah qaniimooyin hantida dhacaa qayb ka mid ah bangiyada. Just for this, oo waa amaahda hantida maguuraanka ah - amaah ah si aad u iibsato hantida maguurtada ah.

Shuruudaha iyo xaaladaha:

• amaah Mortgage: lacagta amaahda kala duwan 100-300 kun 500 kun, 15 million rubles.
• dulsaarka: Iyadoo ku xiran barnaamijka amaahda ka 10.5% ilaa 25% sannadkii. Ka mid ah dhammaan noocyada heerka daynta barnaamijyada mortgage waa hooseeya.
• Term: bangiyada kala duwan kala duwan tahay 15 ilaa 30 sano.
• Dammaanad: rahaamad guryaha ku helay ama jira.
• bixinta Down: ka dhaxaysa 10-25% ee qiimaha guryaha.
• Muddada baaritaanka, ka toddobaadkii muddo bil ah.

faa'iidooyinka:

• Kartida in la qorsheeyo idiina weyn.
• muddo amaah ah oo waaweyn.
• dulsaarka Low
• Fursada in uu soo jiito co-deynsanaya.

darrada:

• documents Volumetric.
• tixgelin muddada dheer ee codsiga.
• kala iibsiga waxaa lagama maarmaan ah in hantida maguurtada ah.
• Control badan isticmaalka beegsaday lacagaha.

beegyada uu credit

Ka hor inta aad doorato nooc gaar ah oo amaah ah iyo barnaamij amaah, waxaa lagama maarmaan ah si ay u qiimeeyaan in ay tahay faa'iido, iyo falanqaynta xuduudaheedu ay ugu muhiimsan:

• dulsaarka.
• nidaamka furashada.
• View jadwalka of bixinta.
• The salaysan xisaabinta oo xiiso.
• guddiyo dheeraad ah.
• kharashka la xiriira.

dulsaarka

faafidda dulsaarka waa wax la dareemi karo ee ku saabsan barnaamijyada kala duwan ee amaahda xataa in bangiga isla. Dulsaarka amaahda bangiga xidhan tahay qodobo badan, ugu weyn ee ku jira kuwa soo socda:

• daacad macaamiisha. hay'adaha Credit door bidaan macaamiisha oo iyaga ka helaan kharash ku hawlgabka ama mushahar, iyo sidoo kale deynsanaya leh taariikh credit wanaagsan. Waayo, qaybahan had iyo jeer codsatay bixiyaan dulsaarka ahaaneed.
• Waqtiga iyo lacagta. Bank advantageously siiyo xaddi badan, si kastaba ha ahaatee hoos u la kordhiyo inta xiisaha. Oo qeybsanaan ku xigeenka - dheer soconayo, sare ee heerka. On eego dheer heerka sarreeya ee times of boqolkiiba ilaa shan dhibcood.
• xawaaraha processing. daymaha Express liiska ugu yar ee waraaqaha waa halis weyn bangiga, si deyn sida mararka qaarkood waa ka qaalisan 2-laab.
• Ujeeddada. By amaahashada diirada (tus, mortgage ama autocredits) heerka had iyo hoose. Xitaa gudahood amaahda macaamilka yihiin beegsaday barnaamijyada la dulsaarka ahaaneed (tusaale ahaan, ku saabsan horumarinta beeraha gaar ah).
• Helitaanka caymiska. Joogitaanka caymiska nolosha ama shaqada khasaaro caawin kartaa hoos heerka by dhawr qodob.

Noocyada jadwalka bixinta

laba siyaabood oo jabiyay hoos loo isticmaalo ururinayaan jadwalka bixinta: magdhow iyo kala.

Haddii garaafka waa kala qaybsan yahay tiro siman muddo dhan, sidaas darteed wuxuu magdhow. Tani nooca jadwalka waxaa haatan inta badan la isticmaalo by bangiyada. lacagta billaha ah ee garaafka noocan oo kale ah waxay ka kooban tahay lacagta bararkii maamulaha iyo xiiso, iyo, sidaas darteed, ma aha sidaas culaab amaahdaana, sida kala duwan ah.

In jadwalka kala lacagta maamulaha u qaybsan yahay tiro siman muddo dhan, iyo xaddiga dulsaarka hoos muddo. Bilowga lacagta heshiis la habkan of jebinta hoos ku xusan, laakiin marka la eego lacagta dheeraadka ah guud, waxaa ka badan. Caddadka xiisaha jadwalka kala muddo dhan waa ka hooseeyaa ee magdhowga meesha lacagta maamulaha waa laydiin oofin ugu horeysay ee tiro yar, iyo lacagta waa inta xiisaha.

The salaysan danta

Sida laga soo xigtay Regulation ee Bankiga Dhexe ee Russia danta on deynta bangiga ururaa on dheelitirka u fiican, laakiin qaar ka mid ah deyn farta in heshiis amaah ah sida aasaas u ah lacagta dulsaarka lacagta bilowga ah soo saaray.

Habka koowaad waa, si dabiici ah, faa'iidada inay amaahdaana, tan iyo xaddiga dulsaarka yaraan doonaa maamulaha kasta bislaada.

In muuqashadii labaad, dan kama bedeli doono inta lagu guda jiro maturity oo dhan, sida ay xisaabiyaa cadadka hore ee credit.

dheeraad ah

In habka lacag bixinta amaah muujiyo jiritaanka lacag dheeraad ah, kuwaas oo ay joogaan waa ka sii wanaagsan in la caddeeyo hor inta aadan saxiixin heshiiska amaahda.

Banks bixiyaan guddiyada kala duwan ee la xiriira labada mortgage ama codsiga amaah, iyo adeega iyo bixinta.

kharashka la socda

kharashka la xiriira kici kara marxaladaha kala duwan ee helitaanka iyo bixinta amaahda. Inta lagu guda jiro dib u eegista iyo diiwaangelinta credit kharashka sida inta badan la xidhiidha dammiin. Tusaale ahaan, amaahda lagu qabtay diiwaangelinta gobolka, kaas oo waa inaad bixisaa lacagta gobolka. Marka baabuurta ballan in bilayska taraafikada ayaa la xiray hawlaha diiwaangelinta sidoo kale ku xiran si ay uga takhalusto waajib. Bangiyada qaarkood waxay bixiyaan guddiga loo tixgeliyo deg deg ah codsiga credit ama qiimaynta of dammiin ah. kharashka, dabcan, ay lacag ku qaadato amaah ah.

Mid ka mid ah waxyaabaha ugu qaalisan kharashka la xiriira la oran karo waa caymiska: shakhsiga ah, hantida, Hull, ka soo gaartay shaqo oo dheeraad ah. Caymiska, sida caadiga ah, waxaa lagama maarmaan ah si loo cusboonaysiiyo sannad kasta.

In kasta oo xaqiiqda ah in dhaqaalaha Russia ayaa maraya waqti adag, bangiyada iyo credit bangiga ku hadhay dadka baahida. hay'adaha Credit bixiyaan barnaamijyo kala duwan oo amaah ah, oo la fahamsan yahay shuruudaha iyo xaaladaha noqon kartaa faa'iido inaad ku isticmaasho.