Pūtea, Whiwhinga
Kiritaki nama haumaru - he aha te auraa i te reira, rawa moni me arotake
E mea pinepine i reira he wā ka hiahiatia wawe moni, me taonga waiho o kahore. A ara atu pera, hoatu e tata tangata katoa o tenei ra he ara te taurewa iti, kitea te hoki hoko te tahi-kaiwaitohu raruraru. kotahi anake te mea - ki te tono mo te taurewa kahore kaiwhakakapi. Kiritaki nama haumaru - he aha te tikanga o taua mea me te mea e ona āhuatanga?
whakamāramatanga
I raro i te kiritaki nama taurewa haumaru kahore māramatanga o te taonga hei utu, me te whakakapi. I taua kiritaki nama take kahore te kaiwhakakapi? Ka taea te pau moni tono mo tetahi whakaaro i tona ngarahu pai. pea he hanga tenei, hoko tūemi taputapu ranei. He pai taua loans ina e hiahia ana ratou moni wawe.
Ēnei pūtea taurewa ngā:
- kāri nama;
- moni nama ranei ki te pūkete;
- taurewa haumaru i roto i te putanga hokohoko mo te hoko o taonga.
whakaritenga
tangohia pūtahi pūtea i runga i o ratou kaitono nga whakaritenga e whai ake nei:
- Ko te aroaro o te rēhita tūturu i roto i te rohe, te wahi kei te whare pūtea te. kia tukua ētahi pareparenga he rēhita rangitahi.
- rerekē tau o te nama i 18 ki te 70 tau. Ano, ko te teitei te ao, te nui te tūponotanga e ka rapua e te pēke he kai. Na reira optimally i roto i tenei take, tangohia atu loans ake ki 60 tau.
- Ko te aroaro o te mahi tūturu, me te puna mōhiohio o te moni.
- e kore e waiho tūranga matua iti iho i te tau, a ki runga ki te mahi whakamutunga - e kore e iti iho i te ono marama.
- No te tangata, kia homai te taurewa ki runga ki te whakaaturanga o te ID hōia.
- A, no te te tauwhāiti nga kōrero whakapā tika ki te whai i te waea atu.
- Ki te tango te taurewa ki moni whakaaro whānau, e rite ki era atu te hoa faaipoipo i te whakaritenga.
tuhinga
Noatia, rapu rerekē pareparenga kaitono ki ngā tuhinga rerekē. Otiia waiwai ko reira he huinga paerewa, e ngā:
- he tono mo te taurewa;
- tuhinga tuakiri;
- he tuhinga tuarua e taea te whakaū i te tuakiri o te nama (SNILS uruwhenua peia raihana ranei ranei rānei);
- Inn;
- tārua o te mahi;
- tohutoro 2-poka.
Ētahi pareparenga i roto i te tua ki te tuhinga i runga e taea te tono i te tiwhikete i te tahua penihana, tauākī pēke, hoki tāke (mō hinonga ture), me etahi - he uruwhenua anake me te tauākī moni, ki te whakarato i nama kiritaki kahore haumaru, engari i roto i te take whakamutunga, ka kia iti te nui.
tikanga
He tino rerekē ngā āhuatanga, whakahere pūtahi pūtea. Hei tauira, he hītori nama pai, me te te taea te whiwhi he mema o te kaupapa utu i te pēke mateaki ki te tikanga i runga i kiritaki loans kahore kaiwhakakapi. Eaha te auraa? Tenei ngä päpätanga huamoni iti, wā nama tiketike, te nui mōrahi o te taurewa. E te ara, e taea te heke te auau huamoni ki te e puta i te nama te mahi atu i roto i te puka o te inihua ki aituā mate mahi ranei.
A feruri i te tikanga taketake mō ngā pūtea taurewa, kahore kaiwhakakapi.
Ko te tawhā matua | tikanga |
moni |
|
auau huamoni | Kei te tatau tonu te auau o te huamoni takitahi, e hāngai ana i runga i te nui me te roa o te taurewa. Ka taea e te tango e koe i roto i inihua i runga i kiritaki loans kahore kaiwhakakapi. Eaha te auraa? E ka maturuturu te auau huamoni o ngā tetahi atu tokorua. |
ngā |
I te tahi taime e taea e te ora ki runga ki te 7 tau. |
Ētahi atu kōwhiringa Rapu |
|
kia rite te kiritaki ki te meka e tino āta whakaaro pareparenga tono mō taurewa, me te tono ana ki ngā kaitono e heke mai. Ki te te whakahaere i reira ko tetahi feaa, te nuinga pea, ka kore i te reira ki te mahi i waho i te taurangi haumarutanga ranei.
He pareparenga e whai he tautoko ōpaki, rite whakaratohia e te taunaha e tangohia ki pūkete, engari e kore e tikanga nama pāngia. Kei te nuinga whakamahia tenei kōwhiringa ina he iti te uara o te taunaha, a kahore e te tiai te whakatau i te whakaritenga o te pēke.
Overview o pareparenga
A feruri i te hi'oraa o ngā tahatika, i te mea he taurewa kiritaki kahore kaiwhakakapi. Overview o te Bank ngā o te nui rawa, me te tino pai-mohiotia pūtahi pūtea.
ingoa o whakahaere | Nui (moni). | wā Loan (marama). | auau Interest% |
penapena pēke | 15 mano. Up ki 1.5 miriona ki te haamauraa o te moni | 3 - 60 | 14.5 |
VTB 24 | 50 mano. Whakatika ki te 3 miriona ki te haamauraa o te moni | 6 - 84 | 18 |
Gazprombank | 30 mano. Ki 1.2 miriona ki te haamauraa o te moni | 6 - 60 | i 16.5 |
Bank o Moscow | Mai i 100 mano. Whakatika ki te 3 miriona ki te haamauraa o te moni | i 16.9 | |
Rosselkhozbank | 10 mano. Whakatika ki te 750 mano. Haamauraa o te moni | i 22.5 | |
Alfa-Bank | 50 mano. Ki 2 miriona ki te haamauraa o te moni | 12 - 60 | i 16,99 |
whakahura | 25 mano. Whakatika ki te 800 mano. Haamauraa i te Revenue 300 000 | 6 - 60 | i 17.9 |
UniCredit Bank | 60 mano. Whakatika ki te 1 miriona kahore manatoko moni | 12 - 84 | i 16.9 |
Raiffeisenbank | i 91 mano. ki runga ki te 1.5 miriona. Mai i 25 mano. ake ki te 800 mano. haamauraa o te moni | 6 - 60 | i 17.9 |
Promsvyazbank | 30 mano. Whakatika ki te 1.5 miriona. Mai i 25 mano. Up ki 800 mano. Haamauraa o te moni | 6 - 84 | i 16.5 |
Ka whakaaro nga tono matua o nga tahatika nui rawa, ka taea e matau koe te mea te tikanga o te reira ki te taurewa kiritaki kahore kaiwhakakapi. Sberbank, hei tauira, tuku he nui pai o runga i ngā manakohia, engari ka he auau huamoni iti kia whakaturia anake, ki te ka te aroaro o te mōkihi mōrahi o ngā tuhinga. Ētahi atu whakahaere faarahi reiti. A no te mea katoa i reira he kahore whakakapi.
Otiia, tenei ara o te tuku moni i te maha o ngā painga mō te pēke e rua o te kiritaki kua, a mo te faanahoraa rawa pūtea.
Huapai me ngā huakore mo te nama
Kiritaki nama haumaru - he aha te auraa no te te kiritaki pēke? A feruri i te AtAKi taketake me ngā raruraru o tenei tikanga o te taurewa.
I te taha ki pai ko te whai ake:
- te whai wāhi ki te tango i te tārewa, kahore whakarato hoko whenua hei utu me ngā kaioati;
- rārangi iti o ngā tuhinga;
- wā tere whakaaro i te tono pera rēhitatia;
- ngāwari ki te faaoti i te kirimana i runga i te pūtea taurewa;
- kore o te mana i runga i te wahi o te pēke mo te whakamahi o moni.
Ko te taha kino ngā te whai ake:
- auau haumaru o te moni, ko te nui teitei;
- whaina tiketike me whiu mo te mutunga o utunga, me te mahi-kore o herenga nama;
- Ko nui raro atu i tahi ia te nui taurewa kahore haumaru;
- te pēke kia whakaiti ngā nama, ki te kaore e tika ai;
- Ko tika ki te pēke mo te taurewa ona rawa katoa te nama.
Pai me ngā raruraru mō ngā tahatika
Whakarato nama kiritaki kahore taunaha - he aha te auraa no te pareparenga? I runga i te ringa kotahi, te painga o taua moni ko te tono mo te hōtaka i roto i kiritaki o te pēke, moni tiketike i te taurewa me te kaupapa māmā o te whakaaro o tono. I te tahi atu te ringa, i reira e ano huakore. Ko tenei he tūponotanga tika tiketike, me mau fifi i roto i te ora i roto i te hui o te taunoa.
Heoi, kei te patua ana tenei hua e tika ana ki te moni nui mo te whare pūtea.
Reviews
E ai ki te urupare o kiritaki o rerekē pareparenga, taurewa kiritaki kahore kaiwhakakapi - he taputapu pātata ina e hiahia ana koe te moni, ka tango ratou wahi. Haratau Ko e kore anake whakautu nohopuku ki te tono o te pēke, engari ano hoki te kaha ki te utu i te pūtea tārewa mua o te hōtaka, me te ki rerekē te utu marama (ki runga).
Ehara i te katoa, o te akoranga, te maua e i roto i te hoahoa taurewa. He hoki kiritaki te wenewene. Ko, rite huri i te reira i roto i, te hunga kaitono e e whai hītori nama kino, kiritaki ranei e taea e kore tapae tetahi o nga tuhinga e hiahiatia ana.
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