Bank taurewa: momo me ngā āhuatanga

I tēnei wā, kua meinga pēke taurewa he puna noa o te pūtea mō te hoko nui mo te taupori me pakihi e rua. tangata Uninitiated Ko maha uaua ki te mahi ki te momo o horo'a nama me tikanga nama.

nama Bank - te whakawhiti o te tangata nama institution moni hinonga ranei i runga i te kaupapa utu ki te huru o to ratou hokinga mai i muri i te tetahi wā o te wā.

Ngā momo o pēke taurewa

I roto i te ohaoha, i reira he kahore wehenga kotahi o taurewa ki etahi o ona momo. Ko nga tohu whakarōpū whai i te tino noa:

• hinonga tuku (tangata tūturu, hinonga ture);
• wā (poto, reo, wā roa-, tono);
• whakarite (kiritaki, auto loans, haumi, mokete, arumoni, ahumahi, ahuwhenua);
• ahakoa e noaa ratou (noaa, tē);
• rahi (iti, reo, nui);
• tukanga utu (utu, moni kotahi utu, e te hōtaka);
• ahua o ngä päpätanga huamoni (whakaritea-auau, auau māngi).

I tēnei wā, pēke nama, te pūnaha pēke o Russia e huri: he maha piki haere o horo'a nama me o ratou tikanga e hoko atu kanorau.

I muri mai i roto i te tuhinga whakaaro tatou i roto i te taipitopito te tino noa pēke taurewa moni mō takitahi me ngā tawhā hāngai ngā hōtaka taurewa.

kiritaki loans

Kiritaki - he pēke pūtea taurewa mō ngā hiahia akiaki, te tikanga e e taea e koe te whakapau i runga i tetahi whakaaro i tona ngarahu pai. Ka taea e Kiritaki nama e te kōwhiringa pai ki te hiahiatia te moni te reo-rahi, a ka he rawa nui te tere me te noho pai o te whiwhi moni. Te kōwhiri, ka taea e te tiki e koe he pūtea tārewa i te kāri pēke pūkete moni ranei. Ko taea Utu i moni, ATM me te Internet. Ka taea e koe te utu i te taha o nama kāri nama, i roto i te moni i te whakawhiti i te pūkete ranei.

Ngā me tikanga:

• taurewa Mortgage: te nui iti rerekē i waenganui i 15-50 mano, te mōrahi - i 500 mano ki te 3 miriona. Hoki kiritaki ki hītori nama arero, me te nui o te kiritaki pūtea moni e taea te nui haere.
• auau Interest tei runga i te maha o ngā tawhā ka kua he horapa nui i roto i ngā tahataha rerekē.
• Wā: te tikanga whakaputaina hoki he wā ki runga ki te 5 tau, engari kia atu hoki etahi kāwai o ngā kaitono e ranei te utu taumautia. Hei tauira, he pēke kiritaki taurewa Sberbank whakarato hoki ki runga ki te 20 tau ki hoko whare hei utu.
• E hiahiatia ana: mokete taea, takitahi taurangi ranei hinonga ture, te tuku tē.
• wā whakamātautau: i 30 meneti ki te maha nga ra.

painga:

• He mōkihi iti o ngā tuhinga.
• Ngāwari tukanga mo te whakaaro o te tono taurewa.
• Ko te whakatau wā poto ki te tukua mai.
• Mana o te whāinga o te haamau'araa i kahore moni.
• Ko te taea o te whiwhi moni i runga i te ringa.

huakore:

• ngä päpätanga huamoni High i runga i te pūtea taurewa.
• nui rohe nama iti.
• rā Iti taurewa paunga, ka, rite te putanga, he utu nui marama.
• Ko raro atu i te tahi atu loans te tau mōrahi o te nama.

kāri nama

Ngā me tikanga:

• taurewa nui: Ko te nui mōrahi o te kāri nama e te tikanga iti, i roto i nga moni 100-700 mano.
• auau huamoni: te auau teitei o taurewa katoa, mai i 17.9% ki te 79% te tau.
• Wā: 3 tau
• Haumarutanga: e kore e hiahiatia.
• wā whakamātautau: i te meneti torutoru ki 1 ra.
• wā aroha noa: 50-56 ra, i roto i nei e kore e mau moni i te paari i roto i te ora.
• kōmihana atu: maha Komihana whakarato mo te tautoko moni me te kāri. Hei tauira, he kāri pēke, "Home Credit" "Mahere ki te whakamahi o" utu 990 moni i te tau, me te kāri "hoko whai hua" - free o tiaki.

painga:

• Ko te aroaro o te wā aroha noa.
• ruruku Simple o te tono.
• ngā iti o te whakaaro.
• Ko te iti rawa whakaturia o ngā tuhinga.
• Kahore he mana i runga i te whakapaunga o te moni.
• Ko te pea o te whiwhi i te karere mēra ranei.

huakore:

• ngä päpätanga huamoni High.
• whiu High mō te mutunga o utu.
• Komihana mō te kati moni i te ATM.
• nui taurewa Iti.
• Ko te utu ā-tau mō te tiaki kāri.

auto loans

Kua waiho Cars he hiahia akiaki, engari e kore e nui tonu te moni mo te hoko taua. loans Bank mo te hoko o te waka tuku ki rite motokā loans.

Ngā me tikanga:

• rahi taurewa: te nui mōrahi o 1-5 miriona moni.
• auau huamoni: 10% te tau mo te hou, me te 20% te tau mō ngā waka e whakamahia ana.
• wā Credit: ki runga ki te 5 tau e, e taea te nui haere te wā i te nui.
• Whakakapi: waka hokona.
• wā whakamātautau: i 30 meneti ki te maha nga ra.
• utu ki raro: te tikanga 10-25%, engari etahi pareparenga whakahere hōtaka me kahore iho utu.

painga:

• auau iti i runga i te pūtea taurewa.
• he nui ake nama kiritaki te moni.
• ngā Poto o te tono.

huakore:

• Ko te mōkihi o ngā tuhinga ake atu i hoki kiritaki loans.
• Iti wā taurewa me, rite te putanga, he utu nui marama.
• Ko te akiaki o te whakaeminga tahito.
• Mana ki runga i te whakapaunga o moni whiwhi.

mokete loans

Kei te kaha te tipu i te mākete hoko whare, ahu iwi ki te hoko whaitua me te hanga whare. Ko te nuinga o nga hoko o taonga puta ki te whai wāhitanga o pareparenga. Just hoki tenei, a ka ko reira he taurewa mōkete - he taurewa ki te hoko hoko whare.

Ngā me tikanga:

• Mortgage taurewa: rerekē nui mokete i 100-300 mano ki te 500 mano, 15 miriona moni.
• auau Huamoni: Tei runga i te hōtaka tuku i 10.5% ki te 25% te tau. I roto i ngā momo katoa o te reiti moni i runga i ngā hōtaka mōkete ko te raro.
• Wā: i roto i te pareparenga rerekē rerekē i 15 ki te 30 tau.
• Whakakapi: taunaha o te whare riro ngā ranei.
• utu ki raro: i 10-25% o te utu o te whare.
• wā whakamātautau: i te wiki ki te marama.

painga:

• Te āhei ki te hoahoa moni nui.
• wā taurewa nui.
• ngä päpätanga huamoni iti
• Faingamālie ki te kukume tahi-kaitono.

huakore:

• tuhinga rōrahi.
• whakaaro wā-roa o te tono.
• he tika i roto i te hoko whare te whakawhitinga.
• Mana ki runga i te whakamahi hāngai o moni.

tawhā nama

I mua i te whakaputa koe mo te momo ngā o te taurewa, me te hōtaka taurewa, he mea e tika ana ki te aromatawai mehemea he reira pai, a ka tātari ona tawhā matua:

• auau Interest.
• tukanga whakaoranga.
• Tirohia te hōtaka o te utu.
• Ko te pūtake mo te tātai o te moni.
• kōmihana atu.
• utu e pā ana.

auau huamoni

Ko te tino kitea i runga i ngā hōtaka rerekē o tuku noa i roto i te pēke kotahi te horapa o ngä päpätanga huamoni. Interest i runga i pareparenga loans, tei runga i ngā āhuatanga maha, te nui te nuinga o nei ko te whai ake:

• mateakí kiritaki. pūtahi Credit hiahia kiritaki e riro ratou i te utu o te penihana utu ranei, me te kaitono ki te hītori nama pai. Hoki enei kāwai tono tonu whakahere ngä päpätanga huamoni maitai.
• Wā, me te nui. Bank pai io hoatu moni nui, Heoi heke ki te whakanui ake nui o te moni. A hurihia - te roa te roanga, te teitei te auau. I ngā roa e teitei i nga wa o runga, ki te rima ngā ōrau reiti.
• tere tukatuka. loans Express ki te rārangi iti o ngā tuhinga e te mōrearea nui mo te pēke, na e te tahi mau taime i taua loans atu te utu atu i te 2-taiepa.
• Whai. Na roto i te tarahu ūnga (hei tauira, te mokete autocredits ranei) he tonu raro auau. Ahakoa i roto i e hāngai nga loans kiritaki hōtaka ki ngä päpätanga huamoni maitai (hei tauira, i runga i te whanaketanga o te pāmu tūmataiti).
• Wāteatanga o te inihua. Ko te aroaro o te inihua ora mate mahi ranei e taea te āwhina raro i te auau i te ngā torutoru.

Types rārangi utu

e rua ara o whawhati iho whakamahia i roto i te whakahiato rārangi utu: hōmai me rerekëtanga.

Ki te tahuri iho te kauwhata te rite moni mo te wā katoa, na Annuity ia. Tenei momo o te hōtaka kei te inaianei tino maha whakamahia e te pareparenga. utu Marama o te kauwhata taua ngā o te nui aranga o te tumuaki me te moni, me, na reira e kore te mea pera taimaha mo te nama,, rite te pārōnaki.

I roto i te wātaka hei rerekëtanga e wehea nui tumuaki ki rite moni mo te wā katoa, me te nui o te moni heke i runga i te wā. I te timatanga o te utu kirimana ki tenei tikanga o whawhati iho te runga ake, engari i roto i ngā o te tuhene katoa ko reira atu pai. Ko raro atu i roto i te hōmai i reira utua te nui tino te tuatahi i roto i te moni iti te nui o te moni i roto i te wātaka hei rerekëtanga mo te wā katoa, me te utu, ko te moni te nuinga.

Ko te pūtake mō te moni

E ai ki te Ture o te Central Bank o Russia moni i runga i pēke tārewa putu te i runga i te pauna tino, engari faaite te tahi mau kaituku i roto i te whakaaetanga taurewa rite te pūtake mō ngā utu moni nui tuatahi tukuna.

Ko te tikanga tuatahi, ko te, fakanatula, pai ki te nama, mai ka whakaiti i te nui o te moni ki ia tumuaki höu.

I roto i te rua o nga whakatinanatanga, e kore moni e huri i roto i te paari katoa, rite e tātai ratou i te nui tuatahi o te nama.

utu atu

I roto i te tukanga o te utu taurewa kia whakakitea te oraraa o utu atu, tona aroaro he pai ki te whakamārama i mua i te hainatanga i te whakaaetanga taurewa.

Banks whakarato ngā kōmihana e pā ana ki e rua mokete ranei tono taurewa, me tona ratonga, me te utu.

utu ◊oku ◊oatu fakataha

utu e pā ana taea whakatika i ngā wāhanga rerekē o te whiwhi me te utu o te taurewa. I roto i te arotake me te rēhitatanga o te nama i taua utu maha e pā ana ki te kaiwhakakapi. Hei tauira, tū mōkete rēhita kāwanatanga, mo e me utu e koe he utu kāwanatanga. A, no te e whakawarea ana waka taunaha i roto i te pirihimana waka kei runga i ngā mahi rēhita hoki ngohengohe ki te takahi ohipa. Ētahi pareparenga whakarato te kōmihana kia whiriwhiria akiaki o te tono nama mo te aro mātai o te utu ranei. Enei utu, o te akoranga, utua e te kaiwhiwhi taurewa.

Ko tētahi o nga tūemi tino utu e taea te whakaaro utu e pā ana inihua: whaiaro, taonga, Hull, i te mate mahi me te ake. Insurance, rite ki te tikanga, he mea e tika ana ki te te whakahou nga tau.

Ahakoa te meka e te haere ōhanga o Russia i roto i te wā uaua, pareparenga me te pēke nama noho i roto i te taupori tono. pūtahi Credit whakahere he momo o ngā hōtaka taurewa, a matau nga ngā me e taea tikanga e pai ki te whakamahi i ratou.