Ko ko ba ya dauki fitar rance a 2014? Sberbank - duk credits

Loans - a saba sabis da zamani a rayuwar. Bisa kididdigar da, mafi yawan mutane amfani da su a kalla sau daya. Siyan wani Apartment, mota da kuma iyali kayan a kan bashi - shi ne waɗannan aiyukan wanda kowa ya san kuma nasarar amfani da su, ba a ma maganar da rashin amfani da katunan bashi ko rance. Duk da wannan, da yawan kullum bayyana game da wannan, ko da tambaya. Amma babban abu ga dukkan ne har yanzu wannan: "Akwai darajan shi ya dauki fitar rance a 2014?"

Pro da con

Domin yin wani haƙiƙa kima, da kuma amsa wannan tambaya na ko ya dauki fitar rance a 2014, shi wajibi ne don fahimtar inji for kafa da amfani rates a kan bashin bankuna. A farko da ta kuriyar - da refinancing kudi na babban bankin. Interest a banki aro ba zai iya zama ƙasa da wannan ƙimar. Saboda haka, a lokacin da ta kumbura kudi ne a kan daidai da kudi na refinancing, rance kudi partially depreciated cewa bashi zama m yayin da kara kudaden shiga a gwargwado ga ko mafi girma daga Central Bank kudi.

Ya fi karfinsu bashi zama a lokuta inda akwai yiwuwar cewa nasu kudi da kwanciyar hankali na iya rauni ba a nan gaba. Dogon lokacin da shiryawa ne peculiar kawai zuwa jihar, wanda ya karbi shekara-shekara kasafin kudin domin na gaba shekara, bisa hasashen da lissafin wasu Manuniya.

Ko ko ba ya dauki fitar rance a 2014?

A halin da ake ciki a kasar yana gwada da barga, duk da hasashen da yiwu rikicin bayan gasar wasannin Olympics a Sochi da kuma Bugu da kari na sabon yankuna. Abinda cewa dole ne ya yi la'akari da wani m borrower, yana da nasu kwanciyar hankali a al'amura na kudi da kuma su m.

Yana da muhimmanci a fahimci cewa kudin na aro a wani hali dole ne guda samun kudin shiga. Sa'an nan da hawa da sauka da kadan sakamako a kan matukar rance muku da tashi a farashin (tare da wani karu a darajar da ruble).

Wannan yana nufin da wadannan: idan kudi a cikin bashin da aka bayar a Tarayyar Turai, ko kuma dalar Amurka, da kuma samun kudin shiga ka lissafa a rubles a musayar kudi sai kara kudin na bashi ƙaruwa. Domin bashi, wannan yana nufin an ƙarin overpayment.

Wannan yayi wani Savings Bank to bashi?

Sberbank rance a 2014 suna da yawa. A lokacin rani - hutu lokaci, - Savings Bank yayi wani sabon samfurin da rage sha'awa kudi (daga 14.5%). Wadannan mabukaci credits a 2014 za a iya shirya a rassan Sberbank. Suna bayar a matsayin unsecured (idan ban sha'awa rates ne mafi girma - by 15.5%), kuma a karkashin garanti na mutane. A gaban tabbatar da rance da adadin zai iya zuwa har miliyan 3 rubles don har zuwa 60 watanni.

Ko ko ba ya dauki fitar rance a 2014, misali, wata jinginar gida? Yanzu shekara a jinginar gida na rance ya zauna kamar yadda riba. Ragewan sha'awa rates ba a sa ran, a matsayin kudin na mahalli ci gaba da girma. A jinginar gida za a iya gani a matsayin wani nau'i ne na biya kashi shirin da wani ido zuwa nan gaba tamanin da dukiya. Eh, gagarumin overpayment, amma da lokacin biya na jinginar gida, ba za ka ji shi. Idan muka bincika da farashin karuwa a karshe shekaru 14, za ka ga cewa farashin Apartments ya karu da sau 2. Saboda haka a lokacin biya jinginar gida your Apartment zai zama daraja da kudi da ka biya.

Jinginar gida matasa iyalai

Sberbank ya ɓullo da wani musamman jinginar gida shirin - wani saurayi rance ga wani Apartment. 2014 sanya wasu sabawa ta yanayi. Har zuwa karshen watan Yuni 2014, akwai low amfani rates - daga 10.5% a shekara. Basic sha'awa kudi ga wani aro daga Sberbank ne 12% a kowace shekara domin girmamawa gine-gine, da developers yi a baya ya shiga wata kwangila ga tabbatarwa na ta wuraren Sberbank. Irin wannan hadin kai ne da amfani ga duka - banki na'am da bashi, da waɗanda, bi da bi, rage kudaden a kan jinginar gida rance. Kuma da developer sayar da sauri duk Apartments a cikin sabon gidan.

A babban alama wannan jinginar gida samfurin ne:

1. Age na maza kasa da shekaru 35.
2. The iyali iya zama a jihar jerin ga kyautata na rai yanayi. A gwamnati ta biya kashi na kudin da sabon Apartment.
3. Maza ya zama isa ta biya jinginar gida biya hadin gwiwa da samun kudin shiga.

Yabo daga bankin zai zama fiye da m idan muka yi la'akari da ba kawai da samun kudin shiga na iyali, amma kuma su dangi. Janye sozaomschikov yiwu. Matsakaicin yawan - 4 mutane. Idan wani iyali yana da yara, ko a takardar shaidar bayar da "uwa babban birnin kasar", shi zai kara da chances na jinginar gida.

Sauran aro kayayyakin

Kuma abin da game da mota rance? Shin, zan riƙi wani aro a 2014 sayan mota? Muhawara a cikin ni'imar da wannan rance ne ba kamar yadda karfi. Inji, kamar yadda suka nuna adawa ga dukiya, amma mai rahusa a kan lokaci. Interest rates a mota ba haka ba ne m, kuma da talakawan kewayon daga 8 zuwa 15%. Vosmiprotsentny rance za a iya samu domin sayan wani sabon mota a wasu mota dealerships, tun da irin wannan tsari da aka haramta motsa bukatar.

A kalla 15 sha'awa rates a cikin Savings Bank an biya a misali mota rance shirin. Ta yanayi ne mafi m. Saboda haka, za ka iya saya mota daga mai zaman kansa mutum, cewa an yi amfani da,, ko saya da wani sabon daya, amma daga category na tsada brands. Mota farashin ya zama fiye da 750 dubu rubles.

Saboda haka, rance don saya mota ne mafi alhẽri don en gajere - har zuwa shekaru uku. Sai overpayment ba zai zama gagarumin idan aka kwatanta da rage a cikin kudin motoci a wannan lokaci. A kowace shekara, da yin amfani da mota daukan kan ta sayarwa darajar game da 10%. Real Estate, a akasin haka, kawai mafi tsada a kan lokaci. Rage kudin manazarta ba su hango.