Ndezvipi zviri nani kutora bhanga chikwereti; asi Rating uye wongororo

Zvinosuruvarisa munyika yedu mamiriro ezvemari kare murombo. Zvinodiwa ose munhu. Asi kwete mari zvose zvinowanikwa kusangana navo. Nokuti vanhu vazhinji vari uchizeza chikwereti kunyoresa. Zvisinei, zviri - chisarudzo chakakura. Saka vanhu vanofanira kunyatsoongorora kuti chevanorwara zvemari inopiwa kupfuura zvakanaka chikwereti mazwi. Chete pashure kuenzanisa akawanda aunogona zvinoitika kunzwisisa umo yakanakisisa mabhanga kutora chikwereti.

unequivocal mutungamiri

Muzana rokutanga nzvimbo chepamusoro Chokwadi, vanofanira Sberbank. Ndeupi hazvishamisi. Pamusoro pazvo, ndiro rakakura kupfuura mamwe ose uye "zera" bhengi Russia, ruzhinji anogoverana izvo (52%) runobva kuna CBR.

sangano iri zvemari inopa wandei marudzi zvikwereti. Somuenzaniso, imwe Mutengi. In mumari Bank unogona kuronga unsecured. Kunonyanyisa chitsama - mamiriyoni 1,5 rubles, mwero - kubva 16.9%, uye izwi zvinogona kusvika makore mashanu.

More akanaka ezvinhu zvakabayirwa vanhu vanogona vouch mumuviri munhu. Ipapo zvaibvira chitsama chikwereti ichiwedzerwa kusvika mamiriyoni 3 rubles, uye chimbadzo inotanga s13.9%. Unchangeable chete nguva.

Vakawanda vanoda kuziva mubhengi nani kutora chikwereti, kuita rokutanga Masvomhu, kuti kubatsira kungaita aigona kuva uye uone. Zvakanaka, unogona kupa muenzaniso. Munhu ane mari ine 60,000 rubles mwedzi, vanobhadharwa pamusoro kadhi nemari Bank, anokwanisa kutora makore maviri, anenge 640 000. Nokuti naye, chimbadzo ndiyo 13.9% pa annum. Mumwe mwedzi uchava kupa anenge 30 550 p., Uye chitsama overpayment semubairo aizova 95 000.

"VTB 24"

Kutaura zvakanakira mubhangi kutora chikwereti, tisingatauri uye "VTB 24". Pashure pezvose, vari kuera, sangano kunoitika yechipiri.

"VTB 24" inopa akawanda marudzi zvikwereti nevatengi. "Pedyo" - kubva 400 000 kusvika 3 000 000, kwenguva 37-60 mwedzi, ane mwero 15.9-17.9% pa annum. "Speed" - 100 S. M .. kusvika mamiriyoni 3. Shoko rokuti, izvo zvichaita kuti tirambe kubhadharwa chikwereti kubva 6 kusvika 36 mwedzi. Uye yokupedzisira mhando - ndiye "batsira" chikwereti. Sezvo zvinogona kutora mubatanidzwa mamita 100. P. kuti 399999 p. Period - kubva 37 kusvika 60 mwedzi, mwero - 16.9 - 25%.

Panzira, vanhu vazhinji achishamisika iyo kubhengi nani kutora chikwereti chikwereti, kuwana zano kuzvishandisa mu "VTB 24". In sangano iri here mamiriro zvakaisvonaka. Ngatitii munhu achida kutenga 1-yokurara mufurati kuti mamiriyoni 4 rubles. Zvinoda kuva mupiro 1 200 000. Huwandu vanhu vanoda kutenga dzimba dzakadaro kwokutanga, kazhinji kusimudza. "VTB 24" inopa mune iyi kuronga chikwereti kwemakore 10. Kana munhu anogamuchira iri mwedzi anenge 65 000 rubles, mwero iri 11,4 chete% paminiti annum naye. A vanofanira kubhadhara iri 39 000 kwiza. / M.

"Rosselkhozbank"

sangano iri zvemari zviri panzvimbo wechitatu chepamusoro. Vazhinji, wakati akadzidza zvakadzama mubvunzo wokuti, mune chii mubhengi nani kutora chikwereti, vasarudze "Rosselhoza". Kunyanya zvinobetsera ndiyo mhinduro vanhu vaya vanobatanidzwa mune "muhoro chirongwa" dzesangano. Kwavari, mubereko zvikwereti nevatengi pasina rubatso kunotanga 15.5% pa annum. Kana munhu achida kutora 750 zviuru rubles (kufadza mari) kwemwedzi 36, pamwe pamwedzi mari 60 000 kwiza., Ipapo ichava kupa dzinokwana 26 000 kwiza. / M., pamwero wenyika 16.9% pa annum. Hazvishamisi kuti vanhu vakawanda vanosarudza "Rosselhoz" kana vane mubvunzo maererano kuti umo mubhengi nani kutora chikwereti.

Uyezve, pane zvakanaka zveefa pamusoro mortgages. Nokuti dzimba ari LCD "Tsaritsyno" Somuenzaniso, kuisa shoma mwero 7.5% gore negore. Asi pane mauto zvikwereti chikwereti kuti zvivako kutenga nehurumende rutsigiro uye nezvimwe vaitaura zhinji. Unogona kunyange kuronga musha chikwereti pamusoro magwaro maviri! Chete zvichaita kuita mupiro 40% kutanga. Kukwanisa Man kuti pakarepo kubhadhara mari yakadaro ane nomumukanwa simbiso yaanowana. Kana achida, ngatitorei rubles miriyoni imwe mwedzi 36, mwero iri 14.4% paminiti annum naye. remwedzi mari chete inofanira kuva 60 m. P. Nekuti ose mazuva 30, vachava kupa matani 40. P. semuripo.

"Alfa-Bank"

In kuera dzakawanda, iyo inoratidza zvakajeka izvo kubhengi nani kutora mari chikwereti, sangano dziri pamusoro matatu. mamiriro ezvinhu akanaka. Kunonyanyisa chitsama - mamiriyoni 2 rubles. Term - kubva imwe namashanu. Makomisheni No guarantors havasi zvakakodzera, mwero pagore rinotanga 13,99%, uye chisarudzo chokupa ngachiitwe mukati kwemazuva. Uye mukana mangwanani mutsividzo, izvo chaizvoizvo kubvumirana kunyange parunhare.

Uyewo Payroll nemakasitoma vesangano iri inopa ezvinhu zvakanaka chikwereti. Kana munhu achida kutenga mufurati pamusika dzisiri, ipapo chinogona kuunza mari kwemakore 5-25 ane nomupiro kwokutanga 30% uye chete kunyoresa rimwe gwaro. Saka zvazvingava wakabura 17.3% chete annum. Kana uchida kutenga imba, unofanira kuita 40% yose inowanwa.

"Gazprombank"

Vanhu vakawanda vanoti - zviri nani kuti vasarudze sangano ichi, handina chete ndine mubvunzo pamusoro kuti umo pamahombekombe zviri nani kutora chikwereti. Vakawanda akaitumidza mumwe yakanakisisa.

Kana iwe tongai chikwereti kwenguva kusvikira gore rimwe, mwero achava 13% chete-software uye 14% - pasina iye. Chikwereti kuronga kwenguva refu? Kana achizosiyana kubva gore rimwe makore matatu, gore negore chimbadzo kuchawedzera kusvika 13.5% kubva-software uye kusvika 14.5%, kana hapana zvakadaro. Uye chikwereti kwenguva 36-60 mwedzi uchava kubhadhara 14% uye 15% azvaitwa. Zviya, "Gazprombank" vatengi mwero pazasi 0.5%.

OTP

Sangano iri, zvakare, haisi okupedzisira nzvimbo chepamusoro ari audited masangano zvemari. Uyezve, vakawanda zano aiva naye, kana munhu ari kuda chii mubhengi zviri nani kutora Mutengi chikwereti.

Zvikwereti kubva OTP kupa mari kuti chero chinangwa. Toti munhu anofanira kutora matani 500,000. P. kwenguva 24 mwedzi. Anogona kupa bheji kusvika 14.9% chete annum uye rendi 24 220 rubles.

OTP Mortgage muna zvakare yakanaka, kunyanya nokuti makasitoma "yavo". Kunonyanyisa izwi - makore 30. A chikwereti nehurumende akaisa dziine 11.2%. For zvivako zvitsva - 12%, uyewo nokuda rakapera pekugara.

Zviya, TNA pamwe makambani akawanda, kutenga nzvimbo iyo inogona wakabudiswa Yakabudiswa kana zvikwereti. Ndiwo DNS, "Mutumwa", "Euroset" Media Markt "Techno-Force", "MegaFon", "585", Elena Furs uye vazhinji nevamwe dzakakurumbira mavanga.

"Bin"

Izvi zvakare nokururamisira inozivikanwa sangano zvemari mune zvokutengeserana. Vanhu vakawanda kazhinji vakayambira kuti kuonana navo kana munhu ari kuda chii zvakanakisisa kutora bhanga chikwereti kunobatsira.

Shoma Mari - 100 000 t S., kufadza -. Million. Delivery nguva dzinosiyana 24 kusvika 84 mwedzi. The zvazvingava rinotanga pa 16.5%, uye chisarudzo chokupa rakundwa kwemazuva matatu.

Kana munhu ari yeGmail.END_STRONG kuti "remarara", anogona ape rubles miriyoni imwe pasi 5.16% chete annum, pasinei nokuti rendi achava 26 m. P.

Panowo chikwereti chinogona rakapa. zvazvingava The shoma wegore - 11.25%, izwi - makore 5-25. The kwokutanga muripo inofanira kuva 15%. The kunonyanyisa chikwereti mari haringorevi, asi kanenge -. 600 p. (Moscow), 300 r. P. (Other nharaunda). Tora chisarudzo mukati memazuva mashanu. Zviya, achiri zvinobvira haasaruri rutapudzo pamusoro chikwereti, uwandu vachibhadhara kana mangwanani nokuripira.

"Ugra"

Izvi vadyi wemari vezvokutengeserana sangano. Kutaura zvakanakira mubhangi kutora chikwereti (a mazita, sezvo tiri kuona yakafarikana kwazvo), zvinofanira kucherechedzwa kutarisirwa uye "Ugra". Anopa nezvemarudzi ina zvikwereti nevatengi. Pane "ushamwari", "kuti chero chinangwa", "Kuvimbika" uye "mudyandigere". The peculiarity kuti bhangi uyu kuti hapana yezvisikwa ezvinhu - pano mumwe nomumwe nomumwe yeGmail.END_STRONG aisarudza panyaya, maererano wayo mari uye mukana. Saka kunyoresa unofanira kutanga kuzadza fomu.

Izvozvo zvinongofanana nokushandura mazuva chikwereti. Asi pane zvimwe zvinodiwa. The kwokutanga muripo inofanira kuva 20% yose inowanwa. izwi of chikwereti - kubva matatu matatu. Shoma Huwandu 300 000 rubles, kunonyanyisa - mamiriyoni 10 p.

"Avtotorgbank"

Ichi kuita shoma Tinofanirawo kuziva pfungwa, kutaura, umo pamahombekombe zviri nani kutora chikwereti. Rating kunyanya chinoratidza yakakurumbira mazita zvemari masangano. About "Avtotorgbank" vakanzwa mashomanene. Asi rinopa akanaka ezvinhu nokuda kwezvikwereti motokari.

Panguva nevadiwa vakawanda vesangano, kusanganisira vanozivikanwa yokumwe vagadziri. Mari motokari kumabhanga nyaya iri euros, madhora uye rubles. Shoma Mari - 300 000 rubles, kunonyanyisa - mamiriyoni 5. Time ingabva 6 kusvika 60 mwedzi. The kwokutanga muripo zvinofanira dzinenge 20% of Mari muchina. The dhipoziti usiri mutemo, pavanenge kutenga motokari (iwe achapfuura ari TCP iiswe mubhengi).

Kana munhu otora mari kwenguva 6 kusvika 12 mwedzi, mwero pagore yaizova 18%. Kubva 13 kusvika 36 - 19%. Uye kubvira 37 kusvika 60 - 19.5%, ukuwo. Vazhinji kutora chikwereti mu euros kana madhora, nokuti Chero zvazvingava, zvisinei nguva chii akasarudzwa mutengi, mwero achava 15%. Asi iyiwo pane mukana, uye zviri nezvimwewo Exchange.

"Sovcombank"

Sangano Izvi zvakare kucherechedza kufunga, kutaura pamusoro kubhengi nani kutora chikwereti. Mhinduro nezvazvo kunyanya zvakanaka. Pashure pezvose, "Sovcombank" anoita vatengi dzaro zvakanakisisa zveefa. Zvisinei, dzakakodzera pamabasa sangano kuvanhu vaya vanoda zvishoma. Saka, somuenzaniso 100 000 inogona rakapa pa 12% chete annum mubhangi. Zvinodiwa Kuti anokwereta yakaderera - Russian chizvarwa, zera 20 kusvika 85 makore, mwedzi 4-nguva pakupedzisira kumabasa uye zvechigarire kunyoresa munzvimbo (uyewo zvishoma mazuva 120).

Kune nevatengi chikwereti "Standard" ane kunonyanyisa mari 200 000 rubles, "Superplyus" (600 000 kwiza.), "Mudyandigere", "Express" uye kunyange vanonzi chikwereti "Rinonetsa" inopiwa pamusoro mharidzo mapasipoti uye zvitupa zvedzidzo yepamusoro .

Chii vatengi inotiudzei?

Pakupedzisira, unogona kutaura zvishoma pamusoro pemhando inofambiswa nemabhengi kusiya vanhu kuti vashandise minamato yavo.

Comments zvakasiyana. The yambotaurwa "nemari Bank" Somuenzaniso, anogamuchira zvose akaipa uye nyaya dzinovaka. Chokwadi chokuti sangano zvinoisa zvikuru yakakwirira zvinodiwa yevanoda anokwereta. Uye kuwana chikwereti pa akanaka pasi-kufarira kunogona chete kuva munhu, nokuda mari chichiwanikwa navo, kashoma kuona kudiwa atore chikwereti. Somuenzaniso, muna tsananguro mabasa inodonongodzwa kuti kufadza mari - rubles miriyoni 3 (the rubatso). Asi kunyange vaviri uye miriyoni nehafu anogona kupa kusvika 60 mwedzi, chete munhu ruzivo akawanda uye ane mari ine 150 000 kwiza. / Month. Asi hazvisi zvinobatsira, sezvo mwero pagore achava 14.9%, uye yaipedzerwa overpayments - 1130000 p. Saka kuti nharo Zimbabwe tariffs.

By "VTB 24" vatengi kuti zvimwe zvaaitaura. In Pakuurayiwa rates basa zvose nokutenda zvakanaka - sezvo ari description, asi yakarebesa vakavandira. Chikumbiro haagoni kunzi mumwe uye kunyange vhiki mbiri. Nokuti, kana kwakasarudzwa kutora chikwereti mu "VTB 24", zviri nani kuita pamberi kunyoresa. Izvi zvinoshandawo "Rosselkhozbank". Uye kazhinji kuwana zvikwereti wemuno uye pamwero yemakwikwi kufarira inowedzera kana munhu aine rubatso muchimiro pfuma zvinodhura. Saka vanhu vanovimbiswa kuti akashongedza chikwereti "Rosselkhozbank".

Uye vaviri mashoko pamusoro OTP kumahombekombe. Sangano iri akati kuva kwayo vatengi, izvozvo dzinomira uye zvinofadza zvimwe zvakanaka kufarira prices. More vanhu akatora zvikwereti, nguva zviyeuchidzo dzinobva pamahombekombe pamusoro chikwereti nokuripira. Vamwe vanhu havadi nayo, asi izvi zvaitwa nokuda vanhu havana kukanganwa - zvivanakire.

Kazhinji, muRussia mune hari dzakawanda zvakanaka. A Chisarudzo atore chikwereti - zvakakomba uye mutoro danho. Saka kuita vachida kwesangano zvaidikwa chete kunyatsofunga uye familiarized pamwe ezvinhu ose kwakaedzwa mabhanga.