"Beeraha Bank", Huang ee amaahda: shuruudaha, dulsaarka iyo barnaamijka bangiga ee

Sida laga soo xigtay tirakoob, ku dhowaad degganayn kasta labaad ee shaqo ee dalka, waxaa jira deyn. Badankoodu ma ku qoran hal amaah ah. Doonaya in ay iibsadaan alaabta lagu iibiyo more, dadka tagto bangiga, halkaas oo sida xaqiiqada ah la ansixin doono codsigooda diiwaangelinta ee amaahda. Xaaladdan oo kale, waxay iloobin in aad lacag bixisid si aad ah heerarka la soo jeediyey dareenka. Waa maxay farqiga u, waxa ugu muhiimsan - dhakhsaha badan noqday milkiilaha qaali ah phone / baabuur / guri ...

Marka la joogo ee bixinta lacagaha deynta, sawirka waa wax yar kharribay ... Qofna ma rabo in ay bixiyaan tiro aad u badan ee ku salysan bishiiba. Markaas deynsanaya ay bilaabaan in ay raadiyaan habab si ay u xaliyaan dhibaatada this: qof iibiya uu wax iibsiga heel, qaar kalena ay go'aansadaan in ay refinance. Arintaan la sii hadli doonaa. Ama halkii, sida waa hab this bangiga "Rosselkhozbank".

Maalgelinta amaahda bangiyada kale: description adeegga

"Beeraha Bank" si ay u caawiyaan deynsanaya dhaqsaday ee bangiyada kale, iibiyaa adeeg noocan oo kale ah, sida u maalgelinta amaahda. Its nuxurka been in xaqiiqda ah in wax amaahdaana dhigaysa amaah cusub ee "Beeraha Bank" in lacagta daynta sameeyeen hay'ad maaliyadeed. Haddii aad hore u qaaday dhowr amaahda, waxay la xiri karaa waqti isku mid ah, ka heli mid ka mid amaah ah "weyn" shirkadda in su'aasha. Sababo la dulsaarka hoose iyo amaahda muddada dheer si weyn u dhimay heerka lacagta bil kasta. Sidaas daraaddeed, waxa uu noqonayaa mid si fudud loo bixiyo amaah bangiga "Ruush Beeraha Bank"!

Maalgelinta amaahda bangiyada kale ee la heli karo oo kaliya halkan ay ka maqan yihiin ururtay macaamiisha. Tani waa sababta oo amaah cusub dabooli karaa oo kaliya jirka ugu weyn ee amaah iyo xiisaha ay dusheedana saaraan, laakiin ma aha ganaax iyo ganaaxyo.

siyaasadaha Huang

Haddii la doonayo, diyaarin amaah Huang "Rosselkhozbank" Waa in aad ku buuxisid foomka codsiga iyo bangiga si ay u diyaariyaan waraaqaha layska rabo. Isla mar ahaantaana, waxaad buuxin kartaa codsiga iyo iyada oo loo marayo website-ka rasmiga ah ee bangiga "Rosselkhozbank". Kenny Huang wuxuu daymaha macaamiisha ka dibna waa la dili doonaa inta ka dhaqso. Tani waa Internet ku filan / computer shaqsi ah la helitaanka Internet iyo waqti yar.

Tixgelinta codsiyada maalgelinta amaah ah ee "Beeraha Bank" oo loogu talagalay dadka loo sameeyaa 3 maalmood oo shaqo gudahood. Ka dib markii in, wax amaahdaana iman kara waxaa la ogaysiin doonaa go'aanka. Haddii jawaabtu tahay haa - waxaa lagama maarmaan noqon doonaan in ay ku darsato dukumentiyada la la'yahay "waraaqaha." Magac ahaan, laga soosaaray oo ka mid ah credit heli karo deymaha, waydiinta ku saabsan maqnaanshaha lacagta daahsan oo heshiis amaah ah.

shuruudaha

macaamiisha u arkaan hay'ad credit waxay noqon doontaa oo xiiso leh iyo faa'iido leh in la ogaado waxa la eego bixiyo maalgelinta "Rosselkhozbank". xaalada ay tahay sida soo socota:

• Inta ay amaah cusub ma noqon karaan wax ka badan wadarta deymaha laga deyn kale. Xaaladdan oo kale, inta ugu badan iyada oo aan ammaanka waa 750,000 rubles, la software - 1,000,000 rubles. ilaa A amaah ah a million rubles sidoo kale waxaa la soo saari karaa iyada oo la siinayo ka qaybgalayaasha mashruuca mushaar ah "Rosselkhozbank" ah.
• The muddo amaah ah ugu badnaan - 5 sano.
• Software. Haddii amaah ah, kaas oo ku xiran yahay Kenny Huang waxaa bixiyey software, iyo "Beeraha Bank" u baahan doonaan la mid ah. Maqnaanshaha xaaladaha sida bangiga isla sidoo kale waa software looma baahna. Haddii loo baahdo, software ka noqon kara damaanad ah oo ay shakhsiyaad, dadka sharci ama rahaamad hantida dareere ah.

Beeraha Bank laftiisa dhigaya marka laga reebo darsin ah bangiyada in ay doortaan hab ka mid ah lacagta ay amaahdaana lacagta credit. Sidaas daraaddeed, ayuu dooran kartaa magdhow ah (lacagta bil kasta si siman u credit ee mudada) ama kala duwan (qadarka lacagta bil kasta si tartiib ah la beddelo) ku qor.

dulsaarka

Heerka dulsaarka ee la go'aamiyey by qaybaha badan. Sidaas daraaddeed, ugu horreeya oo dhan miraheeda go'aamiso muddo amaah ah. Tusaale ahaan, haddii aad rabto in aad qaadato amaah ah muddo gaaban (ilaa 12 bilood), amaahda la xisaabin doonaa iyada oo la tixgelinayo dulsaarka, loo siman yahay 13.5% sannadkii. Haddii amaah ah waxaa loogu talagalay in lagu soo qabto in muddo 1-5 sano, ka dibna heerka maalgelinta Rosselkhozbank barbareyn doonaa 15% sannadkii.

Laakiin waxaa jira liiska qaar ka mid ah dhacdooyinka keeni kara in la kordhiyo ama la dhimo in heerka dulsaarka. Iyagu waa sida soo socota:

• 6% in ay dhacdo wax amaahdaana khilaaf / co-amaahdaana si ay u hubiyaan nolosha iyo caafimaadka, ama in ay dhacdo aan la raacayo waajib this by dadka, kuwaas oo inta lagu jiro mudada amaah dhan.
• 3% ay ka maqan yihiin dukumentiyo xaqiijinaya isticmaalka beegsaday of hab dheeraad ah.
• -0,6% ee "dawladda" macaamiisha mushaharka, macaamiisha la ah "cad" taariikhda credit "Rosselkhozbank".

Shuruudaha deynsanaya

Iyadoo qayb ka ah maqaalka ay ku haboontahay in ay qurxiyaan iyo shuruudaha deynsanaya halkan. Tusaale ahaan, si aad ugu qalanto in refinance aad amaah kartaan dadka kaliya ee "Rosselkhozbank", buuxiya shuruudaha soo socda:

• Joogitaanka dhalashada Ruush.
• diiwaangelinta Joogtada ah ee gobolka daaweynta.
• Age of macmiilka ka 23 sano ee waqtiga diiwaangelinta ee heshiiska amaahda ah oo ilaa 65 sano dhamaadka xilli amaah ah.
• Shaqo-aragnimo 6 bilood at meel ka mid ah, waayo-aragnimo ee guud ahaan - 1 sano. Haddii amaahdaana ka iman kara waa macaamiisha payroll ee bangiga "Ruush Beeraha Bank" a, dhererka ugu yar ee adeegga waa la dhimay ilaa 3 bilood.
• amaahda ee macaamiisha. Halkan waxaa la tixgeliyaa dhammaan ilaha dakhliga ee amaahdaana: mushahar rasmi ah, dakhliga dheeraadka ah, faa'iidooyinka bulshada, lacagta hawlgabka iyo wixii la mid ah. Haddii cadadka bangiga la soo jeediyey ma ku filan, ka dibna la kordhiyo lacagta ugu badan ee amaah la sii jiidan kartaa co-deynsanaya. Sidii ay u noqon kara ninkaaga / naagtaada amaahdaana, waalidkiis ama carruurta iyo dadka kale oo ay diyaar u yihiin in ay qaataan mas'uuliyadda bixinta waqtiga amaahda.

Waxaa xusid mudan in "Beeraha Bank" ayaa diyaar u ah in ay bixiyaan adeegyada maalgelinta, xataa dadka hawlgabka ah. Oo haddii waxay sameeyeen bixinta lacagta hawlgabka in account ka furay ee "Beeraha Bank", ka dibna hoos shuruudaha waayo-aragnimo ah oo aan la soo magacaabay.

liiska dokumentiyada

Maalgelinta tixgelin hay'ad credit ee la oggol yahay dul bandhigga liiska soo socda ee waraaqaha:

• baasaboor Ruush.
• Certificate xaqiijinaya jiritaanka dakhli joogto ah amaahdaana a iman kara.
• Heshiiska Credit amaah in la maaligelin.
• Ka caawi bangiga hore ee ku saabsan lacagta daynta haray.
• By bixinta amaah: waraaqaha on hantida rahaamad iyo waraaqaha (ama) ka damiin / co-deynsanaya.

Marar dhif ah, bangiga wuxuu xaq u leeyahay in wax laga beddelo liiska dokumentiyada loo baahan yahay.

xaaladaha adeegga

Sida laga soo xigtay xaaladaha adeega Bangiga Beeraha ee ficil ahaan kama duwana ay "xafiiltamaan". Sidaas, halkan helitaanka Huang, amaahdaana sidoo kale lagaaga baahan doonaa in la sameeyo lacagaha qaarkood iyadoo la raacayo jadwalka aasaasay. Haddii la doonayo, loo oggol yahay bixinta hore ee deynta credit. Waayo, falalka noocaas ah soo bandhigid lacag dheeraad ah oo lagu eedeeyay aan la bixin.

Marka-bixinta aan wakhtiga ay sabab u tahay xisaabta lacagta loo baahan yahay wax amaahdaana filan doonaa ganaax ah 0.1% ka mid ah lacagta aad u fiican oo rigoore loo siman yahay ilaa 20% sannadkii inta ka dhiman amaahda si ay u dhamaystiraan xiritaanka amaahda. In case of failure by amaahdaana hoos heshiis amaah ah, Bank ayaa sidoo kale soo rogi karaa ganaax ah loo siman yahay ilaa 10 mushaharka ugu yar. All khilaafaadka timi under this lagu xalin doono maxkamad.

Waxaa xusid mudan in damiin / co-amaahdaana sidoo kale mas'uul ka ah xiritaanka waqtiga amaahda waa. Sidaa darteed, haddii sabab kasta amaahdaana jireyso in ay bixiyaan lacagaha amaah bil kasta, ka dibna waxa uu noqonayaa mid culays saaran garbaha damiin ah.

Maalgelinta amaahda "Rosselkhozbank"

"Beeraha Bank" waxay bixisaa adeegyada ay Huang mortgage. Si kastaba ha ahaatee, in ay ka faa'iidaystaan waxaa ka mid ah, waxaad u baahan tahay si ay u buuxiyaan shuruudaha asaasiga ah sida:

• da'da amaahdaana ee 65 sano.
• Ka hor inta dhammaadka heshiiska hoos mortgage hadda leedahay sano ugu yaraan 2 kale.

Haddii la doonayo, barnaamijkan ayaa sidoo kale loo oggol yahay inuu soo jiito co-deynsanaya. Da'da ugu badan waqtiga dhicitaanka ee heshiiska amaahda waa in aanay ka badan 60 sano.

Haddii ay jirto lacagta ah?

Ma u baahanahay inaan weli qaadan deyn bangiga "Ruush Beeraha Bank"? Maalgelinta amaahda bangiyada kale iyo noocyada kale ee amaahda uu noqon doono ka badan faa'iidada badan haddii halkan ma joogaa? Waa maxay oo dhan isku mid ah in ay qaataan? Ka jawaab su'aashan caawin doona xisaabinta horudhac dhigay on calculator la soo jeediyay website-ka rasmiga ah ee bangiga "Rosselkhozbank". Haddii wadarta lacagta bil kasta noqon lahaa aad uga hooseeya, waxaa lagama maarmaan ah inay wax ka qabtaan dheeraad ah oo aad hesho amaah ka wanaagsan in meesha cusub. Si kastaba ha ahaatee, waa in aynu iloobin waqti isku mid ah iyo baahida loo qabo inay iskaga bixiyaan caymiska nolosha iyo caafimaadka ee amaahdaana. Waxaa laga yaabaa in amaah cusub kharashka dheeraadka ah waxay noqon doontaa qaali.