Inda shi ne m dauki rance a tsabar kudi? Iri mabukaci bashi

Lokacin da akwai wani gaggawa bukatar kudi, da danginku, da abokai ba zai iya taimaka, a lokaci daya sosai tsanani tambaya a game da inda riba a kai a matsayin aro a tsabar kudi. Wanne daga cikin cibiyoyin zabi: banki ko PDA, ko wani pawn shagon MFI? Future borrower dole soberly tantance su ƙarfi da abũbuwan amfãni, saboda kyakkyawan, wadannan sharudda za su bayyana shi inda ya samu m rance a tsabar kudi.

Mene ne wani mabukaci bashi

Mabukaci bashi ne a kudi cewa wani banki ko wasu lamuntawa ma'aikata za ta ba da borrower. Bayar da wani Jimlar kudi dole ne a biya a kowane wata installments, tare da biyan bashin da ake bukata sha'awa a kan aro kudi.

Mai amfani da rance kasu kashi da dama Categories. mu kalle su a yanzu.

By irin bashin

Mamaki inda shi ne m dauki rance a tsabar kudi - banki ko bashi da kuma mabukaci hadin, kokarin sami amsar. Wato, da binsa bashi yiwuwa ba kawai a cikin banki.

By irin aiki fuskantarwa

Bashin bankuna suna classified kafin su sami kudi su sayi wani samfurin ko sabis. Wannan dalili rance, rance wanda aka halin mafi sharadi gwargwado: rage shekara-shekara kudi, m sharuddan ga biya, kazalika da damar da za su samu gwamnatin tallafin (dauki amfani da samun manufa dalibi rance da jihar support). A borrower, yin fitar da wani rance manufa bai yi na'am da kudi a tsabar kudi, suna canjawa wuri kai tsaye zuwa maroki na dukiya ko ayyuka a cikin wani cashless form.

Nufa rance, rance da bambanci, ya shafi samun da tsabar kudi da cewa za ka iya amfani da a kan kansa, kuma kada ku samar da wani bashi ma'aikata rahoton bayar da borrower na aro kudi.

By irin na biyu

Bayar da rance za a iya goyan bayan software, misali, garanti ko kwangila na beli. A dukiya (m da immovable) na iya zama na biyu. Idan borrower yana da wani kudi yanayi a cikin abin da ba zai iya sãka da rance, rance da bankin zai iya kai kansa dukiya located in jingina. Idan akwai yarjejeniya a kan beli, a lokacin da borrower ba zai iya sãka da rance, rance wannan alhakin zai huta tare da lãmuncẽwa a kanku. Lokacin da na biyu shekara-shekara yawan ƙananan fiye ba tare da shi.

Unsecured rance, ko, a cikin wasu kalmomi, unsecured, bayar da banki kawai zuwa category na bashi da suka yi na yau da kullum samun kudin shiga da kuma iko a bashi tarihi. The adadin kudi ba a wannan yanayin ne a cikin data kasance banki ta mallaka kudi amma a wata mafi girma shekara-shekara kudi.

Bisa ga irin bashi

Wannan category, bi da bi, ne zuwa kashi da dama kungiyoyin. Alal misali, da iyalan matasa, wanda shekaru ba ya wuce da maki na shekaru 30, bayar da samun mabukaci bashi tare da bayyana goyon baya. Wannan bashi za a iya niyya (jinginar gidaje, mota bashin), ko a duniya a (ba manufa).

A la'akari da wadannan kungiyoyin sami amsar tambaya ta inda shi ne m dauki rance a tsabar kudi to fansho. Mai amfani da rance da bayar da banki su fansho, bisa wani barga tushen samun kudin shiga a cikin wani nau'i na fensho. Don a iya yin amfani da wannan irin rance, rance dole ne ka cika da m yanayin - da retiree-borrower kamata aiki. A fensho da kuma samuwar aiki zai taimaka da pensioner don samun tsabar kudi a mafi m bashi sharuddan.

Wakĩli irin rance - tambaya don bashi da kyau bashi tarihi kuma tana nufin akai-akai ga binsa bashi banki. A maimaita reference borrower zai zama isa ya wuce da mafi ƙarancin m hanya, bayan da za a nan da nan aka bayar da aro kudi.

Bisa ga biya irin

Don biya wannan bashin, a hanyoyi biyu.

Standard - biya kashi biyan bashin. An wani uniform adadin da biyan bashin da ake yi a kan wata-wata ko kwata-akai. The adadin biyan bashin za a iya gyarawa ko canza.

Daya-lokaci - shi ya shafi yin wani curi Jimlar kudi a kan wani kwanan wata a kayyade a cikin aro yarjejeniya.

A karkashin sharuddan da

Dunƙule Naira Miliyan Xari biyan bashin - bayar kowane iya-bodied borrower. Wannan irin rance ne mafi mashahuri. A banki ne idan akai la'akari da aikace-aikace na kowane mutum borrower da adadin kudi bayar da aka lasafta bisa ga ikon biya.

Sabunta biyan bashin, shi ne revolving, shi ne ya baiwa da borrower ba dukan aro adadin a lokaci daya, amma a hankali a hankali canja wuri a cikin kayyade lokaci. A tabbatacce al'amari a wannan harka shi ne cewa borrower za a iya tabbatar da samun da adadin kudi da ya nuna a cikin aikace-aikace.

By irin sharuddan

Inda shi ne m dauki rance a tsabar kudi a Rasha, shan la'akari da halin da ake ciki na tattalin arziki rashin zaman lafiya? Yau, Rasha bankunan bayar da rance ga yawan jama'a, yanaye raba su a cikin gajere, inda maida tsawon kasa da shekara guda, da kuma dogon lokaci, a sama da wannan alamar. Short-lokaci rance an bayar ga wani ajali lokaci (yawanci ba wucewa 12 months) ko a kan bukatar. Sa'an nan, saboda da rashin tsayayyen kwanan wata for biya na aro, Bankin na da hakkin ya bukatar da borrower zuwa sãka da bashi a kowane lokaci.

Samun mabukaci bashi a banki

Don samun bashi iya isa wani mutum a karkashin yana da shekaru 18 (shekaru ko 21 years, dokin buga wani banki ma'aikata) kuma kada ku ƙẽtare wani dokin shekaru 70.

Kowane banki za kansa kafa bukatun zartar da fata zuwa samu bashi kudi. Amma akwai wani a duniya a bukata ce ga dukan bankunan - kasancewar wani barga tushen samun kudin shiga na borrower. By tushen samun kudin shiga yana nufin Hakkin. Har ila yau, borrower iya sanar da banki game gaban 'madadin kafofin samun kudin shiga, kamar samun kudin shiga daga haya na dukiya (Apartment, gareji ko wasu yanki) ko dividends a Securities. Wadannan kafofin bukatar da za a rubuce.

A ingancin takardun da hidima farar hula fasfo da kuma m m rajista a yankin na banki wuri. FAQ da cewa ya gaya albashi na borrower, da kuma wani kwafin na aikin rikodin kuma za ta zama takardun da ake bukata don samun kudi. Don samun untied rance, rance da bankin na iya tambayar da borrower don samar da ƙarin takardun: soja ID, hujja na tsare / saki takardun a kan na biyu.

Idan borrower da dama a karkashin wani banki dalilai, zai iya rage da shekara-shekara amfani miƙa ta banki da kuma hanzarta da rajista hanya:

1. A borrower samun da shekaru span daga 25 zuwa shekaru 45.
2. A kan rancen banki katin daukan sanya albashi na borrower translation.
3. A borrower ta babban aiki da kwarewa.
4. A borrower yana da wani crystal bashi tarihi.

A tasiri sha'awa kudi miƙa ta banki

A daidai da doka, da bankin a cikin nau'i na da nauyin bayyana ga borrower ta tasiri sha'awa kudi. Yana da wani tarin na shekara-shekara amfani kudi da zai yiwu banki hukumar. Shi ne wannan kudi, bankin zai lissafi da amfani ga yin amfani da bashi kudi, don haka kana bukatar ka samu Masana tare da wannan batu a more daki-daki kafin shiga cikin kwangila.

Kudade cajin da banki

Wani banki bayar bashi hõre ta da Hukumar. Hukumar iya zama yarwa, wanda da borrower biya kawai 1 lokaci, misali, rance aikace-aikace, da kudin domin a bayar da bashi. Idan borrower dawo da aro kudi da wuri, domin shi kuma za a iya cajin a hukumar.

Regular hukumar riƙewa ne: shekara-shekara sabis na katunan bashi, tsabar kudi karbo daga katin bashi. Ba duk na hukumar, da borrower dole ne yanke shawara inda shi ne m dauki rance a tsabar kudi.

Biya na mabukaci bashi

Akwai biyu makircinsu da wanda daya zai iya sãka wannan rance: Annuity kuma bambanta. By tsoho, da yawa bankuna sun yi amfani da annuity nau'i na biyan bashin, wanda hada da gabatar da wani tsayayyen adadin kowane wata. Annuity biyan bashin kunshi sassa biyu: babba da kuma ban sha'awa. Kowane wata can ne wani karuwa a cikin adadin da biyan bashin, wanda aka nufi ga biya na babba da accrued amfani, a maimakon haka, rage-rage. Lokacin da wannan hanya na biya na aro sha'awa ga da ayyuka da aka lasafta a kan sauran babba adadin.

Bambanci Hanyar bashi biya, shi ya shafi yin daban-daban wata-wata biya, suka fara da mafi girma, kuma sannu a hankali ragewa.

Duk wani kudi ma'aikata ne ba su da sha'awar a cikin zarar dawowar shan fitar da wani rance, don haka bankuna kafa wani lokaci da moratorium, a lokacin da borrower na da hakkin ya sãka da rance gaba da jadawali. Yawancin lokaci shi jeri daga 1 zuwa 6 watanni. Ko wasu daga cikin bankunan suna yarda su sãka da rance gaba da jadawali, amma a lokaci guda biya daga 1-12% hukumar a cikin adadin da adadin, wanda aka biya a gaba. Saboda haka, yi mamaki game da inda ya dauki mafi m bashi tsabar kudi halin kaka shirya domin daban-daban na kwamitocin da kuma amfani rates.

Credit mabukaci m (CCP)

Idan borrower, domin duk abin da dalili ba su son su yi amfani da bankin, za ka iya amfani da PDA. Mu yi kokarin amsa wannan tambaya da inda shi ne m dauki rance a tsabar kudi a cikin Yekaterinburg. A CCP, wanda a cikin fiye da 20 da kungiyoyin. Wannan ne "Union", "Gold Pool", "Promotion" da sauransu.

Credit da kuma mabukaci m ne wata jam'iyya, wanda ya hada da na halitta da kuma doka mutane, sõyayya da wani fasalin.

Don isa ga tsabar kudi, dole ku:

1. Zama memba da kuma biya wani membobinsu fee.
2. Zama ya fara tasawa.
3. Da wani rajista a Rasha.

Samuwa takardun ga aro sun hada da:

1. Rundunar fasfo.
2. SNILS.
3. A takardar shaidar cewa ƙayyade girman da Biya na Labor na borrower (idan m ba shirya rance a karo na farko, ko ga lissafi a co-op na dogon lokaci da aka canjawa wuri albashi ko fensho, takardar shaidar da aka ba da ake bukata).

Matsakaicin yiwu adadin kudi cewa CCP iya fitowa kada ya wuce 10% na dukkan fice rance, a kan ranar da yanke shawarar extradite shi.

da dawowar za a iya lasafta akayi daban-daban ga kowane m, kuma an nuna a haɗe zuwa kwangila na aro biya jadawalin.

Bayan dauke da CCP bukatun ga borrower, kowa da kowa ne free to yanke shawara inda shi ne m dauki rance a tsabar kudi.

MFI

Idan borrower ba zai iya gadara da ciwon al'ada bashi tarihi, kuma akwai fargabar cewa ba banki ko CCP ba zai ba shi da kudi ya kamata ka je Microfinance cibiyoyin (MFIs). Inda shi ne m dauki rance a tsabar kudi a cikin Omsk? A wasu MFIs ne mafi alhẽri ga magance? Yau a birnin Omsk, akwai fiye da 30 MFIs cewa suna shirye su yi aiki tare da wadanda fata ya dauki fitar da wani rance a tsabar kudi.

Make a matsayin aro ne mai sauki: dole ne ka isa rinjaye da kuma samar da} ungiyoyin daftarin aiki (fasfo). Kowane IFI na da m da kuma iyakar adadin tsabar kudi. Miscellaneous da turnaround sau. Alal misali, a cikin "Express-bashi" a shirye don en har zuwa 100 000 rubles da 0.4% a cikin yini, kuma ga wani lokaci har zuwa 24 watanni. A "Don biya", da bambanci, ba fita a kalla 10 000 rubles, tare da biyan 1% a kowace rana da kuma tare da wani biya tsawon kwanaki 20.

Ga zabi na borrower, inda ya dauki wani garabasa tsabar kudi aro.

pawnshop

Idan borrower ba ya so ya jira da shawarar da bashi ma'aikata da kuma cika fitar da dole aikace-aikace da kuma siffofin, ya iya daukaka kara zuwa pawnshop. Inda shi ne m dauki rance a tsabar kudi a cikin Moscow? A Lombardy.

Akwai za ka iya yi da kayan ado na zinariya, da kuma cutlery sanya na azurfa, da duwatsu masu daraja, da kuma watches agogo. Akwai category pawn shagunan cewa yarda da beli, gida kayan, wayoyin hannu da kuma Jawo dasu ba.

Bayan dauke da samarwa bashi cibiyoyin, kowane borrower so wani wuri inda shi ne m dauki wani mabukaci rance a tsabar kudi.

A Rasha a yau, mai yawa bashi yayi ga duk Categories bashi. Karanta, inda shi ne m dauki rance a tsabar kudi (reviews a kan Internet), babu wani sarari amsar wani bashi ma'aikata mafi rike. Kowane hali ne daban-daban da kuma kowane dole ne a zabi wa kansu da mafi kyau zaɓi.