Ina zuwa samun rance kulla da dukiya?

A doguwar rikicin da aka tilasta more kuma mafi mutane tambaya ga tsabar kudi rance ga bankuna da kuma MFIs. A daidai wannan lokaci da yawan ne kasa da yawan wadanda bankuna suna dauke tabbatacce ne amintacce abokan ciniki - tare da "fari" Hakkin, m aikin yi, high samun kudin shiga. Wannan yana nufin cewa idan ka gaggawa bukatar wani babban Jimlar kudi, ba da gaskiya cewa banki zai ranta shi zuwa gare ku ba tare da wani matsaloli.

Idan muna magana ne game da 10-15 dubu rubles, a your sabis MFI don dacewa da dukan dandani - akwai ko da irin wannan inda da ake bukata adadin canjawa wuri a kan Internet kai tsaye a kan katin cikin minti 5, misali, wani online rance sabis "Zaymer Robot." Kuma da bukatun ga wani jami'in samun kudin shiga da kuma aikin yi akwai da yawa softer. To, idan matsalar da aka kiyasta su zama daruruwan dubbai - da yawa suna fara tunani game da wani rance kulla da dukiya.

Inda za ta kudi kulla da wani Apartment?

A mafi bayyananne amsa - a cikin banki. Abũbuwan amfãni ne bayyananne - ƙananan amfani rates, mafi girma, rance yawa, da kuma amincewa a banki, irin so, more. Amma akwai kuma disadvantages: banki zai tantance ba kawai liquidity na dukiya, amma kuma da ku a matsayin borrower. Kuma wannan ya kawo mu koma ga tambaya ta "fari" samun kudin shiga, da aikin kwangila, da kuma, a Bugu da kari, wani m bashi tarihi.

Sam rance aikace-aikace tsari karkashin jingina da wani Apartment a cikin banki wajen dogon, ya hada da wani kima da dukiya, da inshora, da dukiya, da kuma borrower.

A mafi sauki hanya - don amfani da MFI. Wasu MFIs ma en bashin kulla da Apartments, yawanci matsakaicin adadin irin wannan rance - 1 da miliyan rubles. Tabbatar da su samun kudin shiga ba bukatar wani bashi tarihi ba kome, matsakaicin lokaci - kamar wata shekara. Interest, ba shakka, zai kasance ya fi a banki, amma kuma yiwuwar samun yabo - ma.

Amma idan MFI saboda wasu dalilai, ya ki, yana yiwuwa su yi amfani da irin wannan sabis don wani mutum a kan shafukan yanar gizo P2P kudi kasuwa. Duk da haka, da alama na zamba ne da ya fi yadda a wani banki ko MFI.

Yaya ba su zama a kan titi?

Kõwane zaɓin da ka zabi, shi ya kamata a tuna da cewa irin wannan rance - wani m abu. 'Yar alamar tsõro iya kudin ka dukiya. Saboda haka, dole ne mu yi duk abin da a domin kada su rasa dukiya:

- Hankali karanta kwangila, da biyan hankali ga ma'ana cewa a ranta, Apartment ne a ka dashi, tare da hakkin ya zauna a cikin shi;

- duba gaban a kwangila na musamman abubuwa, sabõda yãsasshiya take hakkin wanda zai iya haifar a cikin farkon ƙarshe na: haramta na da haya, da ban a rajista na kowa, da ban a gyara, kazalika da wajibi don sanar da mai ba da bashi a cikin hali na canji na aikin;

- tabbatar da cewa mai ba da bashi ba zai iya ikirarin tada sha'awa kudi na aro.

- kuma, ba shakka, don kauce wa wani tsoho a kan biyan bashin saboda mai ba da bashi a cikin wannan yanayin yana da hakkin ya karbi kwangila da ikirarin, m biya bashin nan da nan kuma a cika. Wani mummunan zaɓi - Apartment za a sa up for gwanjo.

Akwai da yawa nuances, don haka mafi kyau zaži zai zama don nuna kafin shiga kwangila da kuma wani lauya tare da shi a tattauna dukan husũma al'amurran da suka shafi na ma'amala.

Alina Ovsyannikov

Materials https://www.zaymer.ru/