PūteaWhiwhinga

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:

  1. 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.
  2. 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.
  3. Ko te aroaro o te mahi tūturu, me te puna mōhiohio o te moni.
  4. 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.
  5. No te tangata, kia homai te taurewa ki runga ki te whakaaturanga o te ID hōia.
  6. A, no te te tauwhāiti nga kōrero whakapā tika ki te whai i te waea atu.
  7. 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

  • Ka taea e te nui iti ngā i 15 000 te horoitanga i.;
  • te mōrahi e taea whakahere i te pareparenga i roto i tenei take - i 500 000 te horoitanga i. ki runga ki te 1.5 miriona moni.;
  • rangatira o ngā kāri pūtea moni, me kiritaki ki hītori nama pai taea tatau i runga i te nui ake.

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

  • wā iti: i 3 marama ki te tau;
  • ki te mōrahi o te 5 tau.

I te tahi taime e taea e te ora ki runga ki te 7 tau.

Ētahi atu kōwhiringa Rapu

  • kore o te haumaru;
  • kahore utu atu mo te mahi tuku o te nama ranei;
  • arotakehia tono i te tahi haora ki nga ra e rima, i runga i te whare pūtea rānei.

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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