The mafi ƙasƙanci kashi na aro - yadda za a samu?

A bukatar ƙarin kudi bayyana a cikin mafi yawan jama'arta. Daya daga cikin mafi kyau mafita ga matsalar shi ne a matsayin aro a cikin banki. Amma biya ba wanda yake so, kuma ya fara neman wurin da wa'adin ne mafi ƙasƙanci kashi na aro.

Ta yaya ne cikin kudi a kan aro?

The bashi siyasa na banki cibiyoyin kafa a wannan hanya. Bankin yakan mallaki kudi daga babban bankin na Rasha Federation a cikin mafi kyau idan a refinancing kudi, a mafi mũnin - na da key kudi.

Domin da Grant na rance za a iya amfani, da kuma kudi da aka gudanar a kan ajiya, amma cikakken matsa kudi ne ba zai yiwu ba. A ka'idar, wannan kudi za a iya bayar da wani kaso dan kadan mafi girma rates a kan adibas. Zai kasance har yanzu riba. Duk da haka, bankers fi son samar da wata uniform bashi da manufofin da ba su raba samuwa albarkatun. A sakamakon haka, mafi ƙasƙanci kashi na aro zai kasance har yanzu ya fi yadda key kudi na babban bankin a kan 30-40 bisa dari. Wannan shine hakikanin al'amarin.

Abin da halaye zai taimaka da borrower don rage sha'awa kudi?

A borrower ke ta dama, saukarwa na gwaji. A banki ko da halitta na musamman shirye-shirye zuwa da sauri a kan tushen da tambayoyi saita na farko size of da sha'awa kudi. A sakamakon haka, don samun wani m rance, rance mai karamin yawan dole "sana'anta".

Saboda haka, bari mu ga abin da dalilai zai rage wannan adadi, da kuma wanda, a akasin haka, kara.

Bari mu fara da m al'amurran:

• Nasara biya na aro, dauka a wannan banki, zai "shawarwari" 'yan bisa dari.
• Nasara dawowar rance dauka daga wani banki, ba haka ba ne muhimmi ba, amma zai kuma taimaka.
• A ajiya a banki ga mai kyau adadin lalle ne, haƙĩƙa magana a cikin ni'imar da borrower. WurinSa - kusan 100% na aro garanti ake bayar.
• Property ikon mallakar, musamman idan aka yi wa ado ne kawai a kan nema.
• The inji a dukiya. A duk ya dogara a kan abin da irin mota, a cikin abin da ya ke iya zuwa.
• M factor - da hukuma aikin yi, musamman idan aiki kwarewa ne quite manyan.
• Samar da taimako ga form 2-rami.

Mene ne halaye na borrower iya shafar karuwa a yawan?

Korau Manuniya ma ta isa. Bari mu fara da wadanda suke gaba daya ware da yiwuwar samun rance:

• Bad bashi tarihi.
• A gaban wani tofin Allah tsine.
• Rashin samun kudin shiga (wani aiki, kasuwanci).
• A gaban da aka kama dukiyar a kotu.

Wani jerin hali ba wata matsala ta samu da ake so aro kudi, amma a matsayin aro a magangara mafi ƙasƙanci sha'awa kudi dauki kawai ba da damar:

• Kananan ayyana samun kudin shiga a kan wani wurin aiki, ko kasuwanci.
• Rashin dukiya a cikin dukiya.
• A rashin mota ikon mallakar.
• The wajibi biya yaro goyon baya.
• Borrower matasa, cewa shi ne, ta shekaru kadan fiye da shekaru 21.
• Akwai sun kasance jinkiri da baya, rance biya.
• A cikin kudaden shiga ya ruwaito ta hanyar Tarayya Tax Service ba ya samar da da banki takardar shaidar, cike da in babu hukuma samun kudin shiga.

Hakika, wannan dabara ne sosai sketchy. A gaskiya, da yawa ƙarin zaɓuɓɓuka.

Yadda za a duba borrower ta nan gaba?

Don samun mafi ƙasƙanci sha'awa kudi a kan aro, wani lokacin dole domin ya raya da sulhu da tabbaci. Don fara da duk data daga profiles na bashi sashen manajan shiga cikin kwamfuta, inda musamman shirin zai samar da bayanan analysis. Idan muka magana game da Microfinance cibiyoyin, shi ne yawanci duk da ƙare a wannan mataki. Don ƙarin albarkatu irin cibiyoyin kada ka ja. Amma da hadarurruka akwai ban sha'awa.

Idan muna magana ne, misali, da so don samun wani mabukaci rance, mafi ƙasƙanci yawan bankuna iya samar da azumi, don haka kamar yadda ba su jinkirta da mai saye. A sarrafawa yanayin, da farko ƙaddamar takardun aka bari for amincin, sa'an nan - da kuma bashi tarihi. A manajan iya ko kira kamfanin inda mai nema yana aiki a kan ƙaddamar bayanai. Amma irin wannan ayyuka sau da yawa kai ga kurakurai saboda sun haɗu. Yana da yafi dacewa ga kawai zuwa fanshon da database da kuma ganin dukan zargin, wanda aka sanya bisa ga hukuma albashi. Saboda haka a yanzu shi ne yake aikata.

Nawa don samun?

Don count a magangara mafi ƙasƙanci kashi na rance, rance da borrower dole da wani albashi cewa hadu da wasu zamantakewa sharudda. Sananniya ta alhẽri bankuna kahu a kan gaskiyar cewa biya a kan aro kada ta kasance fiye da 40% na albashi. In ba haka ba, da borrower ba zai isa zuwa rayuwa a, kuma shi zai fara zuwa jinkirta biya.

Sai dai itace irin wannan dogaro: sharadi gwargwado a kan bashin samar kawai financially m 'yan ƙasa matsayi. Ko da yake kawai suka iya biya more. Amma sai shi ya bude.

Yadda za a zabi wani banki?

Mun jagoranci dalilai da wanda bankunan sun riƙi wani "m" abokan ciniki. Amma akwai sharudda da wanda ya zabi wani bashi ma'aikata ne iya samar da wani tsabar kudi rance ne da low amfani rates.

A mataki na farko shi ne yin haƙuri, wannan aiki ne ba ma sauki, da kuma bukatar isasshen lokaci. The m makirci na mataki ne kamar haka:

1. Na nazarin halin da ake ciki a mabukaci bashi kasuwar.
2. Mun yi nazarin bada shawarwari na bankuna. A cibiyoyin da jihar hallara percentages karami amma tsauraran yanayi.
3. Aika da online aikace-aikace a ka fi so bankuna.
4. The bada shawarwari da aka yi karatu na farko a gida, sa'an nan kuma - a cikin ofisoshin.

Ya zauna yin zabi, don tattara cikin takardun da fara rajista.