Imali mboleko yemoto eRosselkhozbank - izimo nezinga lenzalo

Kukhona inqwaba yamabhange eRussia futhi cishe noma yimuphi wabo ungathola imali mboleko yemoto. Izinhlelo zokuboleka ngokuvamile zicishe zifane, izilinganiso zenzalo ziyashintshashintsha ebangeni elincane - ezinye zinokuningi, ezinye zinencane. I-Europe ne-USA nezimo zabo zisekude.

Kodwa iqiniso elilodwa liyajabulisa ukuthi kukhona amabhange anjalo anganikeza izintandokazi zezigaba ezithile zabantu. Thatha, isibonelo, i-Rosselkhozbank. Lesi yisikhungo sezimali sikahulumeni, singempahla yombuso yeRussian Federation, inhloko-dolobha ephelele idlula ama-ruble ayizigidi eziyisigidi.

Ngokwesilinganiso sika-2014, i-Rosselkhoz Bank ingenye yamabhange ayishumi athembekile kakhulu eRussia, futhi ingenye yekhulu elikhulu kunazo zonke emhlabeni.

Kakade kusukela egameni kuyacaca ukuthi yadalwa ukuze isekele inkimbinkimbi ye-agro-industrial yaseRussia. Abamele ingxenye yasemaphandleni yabantu bangathola imalimboleko lapha ukuze kuthengwe imishini yezolimo, izinto zokusebenza zamapulazi ezinkukhu namapulazi emfuyo. Mhlawumbe kuleli bhange umfana olula wasesigodini angathola imali ebolekiwe ukuze athenge imoto yakhe yokuqala.

Ngingayithola ngaziphi izilinganiso zenzalo imalimboleko eBhange Lezolimo LaseRussia?

Imigomo yokuboleka

Njengoba i-Rosselkhozbank ingaphansi kukahulumeni, izimo zokuthola imali mboleko yemoto zifana nebhange elikhulu kunazo zonke eRussia - iSberbank. Leyo:

• inkokhelo encane yokuqala ingamaphesenti ayi-10 ezindleko;
• isikhathi sokubolekwa kwemali - kusuka kweyodwa kuya kwezinyanga ezingama-60;
• isikweletu singatholwa izakhamizi ezineminyaka eyi-18 kuye kwengama-65;
• inani eliphakeme lemalimboleko lingama-ruble ayizigidi ezi-3, ama-dollar ayizinkulungwane eziyi-100 noma ama-euro ayizinkulungwane ezingama-75.

Yiziphi izidingo kobolekayo?

Inzuzo yokuthola imali ebolekiwe yemoto ebhange elikhulu likahulumeni ukuthi babheka izinga lemali engenayo kanye nomlando wesikweletu wekhasimende ngalinye ngokucophelela. Emabhange okuhweba, isimo sengqondo sithembeke kakhulu, futhi ngenxa yalokho, ngisho nomuntu ongakwazi ngempela ukukhokha angathola imali ebolekiwe, kodwa-ke umuntu onjalo uzothola esikhumbeni sakhe ukuthi bangobani abaqoqi, ukuthi kuzodingeka akhokhe malini. ukukhokha ngokweqile, kucatshangelwa zonke izinhlawulo nezinhlawulo, ukuze ungalahlekelwa imoto yakho.

I-Rosselkhozbank ibheka:

• isipiliyoni somsebenzi jikelele;
• isilinganiso semali engenayo yanyanga zonke;
• ukwakheka komndeni, ukuba nempahla;
• Ingabe amanye amalungu omndeni aneholo?

Ukuze ufake isicelo sokubolekwa imali, kufanele ugcwalise uhlu lwemibuzo oluhlaba umxhwele, futhi ubonise yonke imininingwane ekulo. Ngeke kusebenze ukuqhamuka nanoma yini, ngoba yonke into iyahlolwa futhi kwabelwa izinsuku ezi-4 ukwenza isinqumo sokugcina (eduze kwenombolo 4 kukhona inkanyezi encane nombhalo waphansi - ibhange lingashintsha isikhathi sokucatshangelwa isicelo kokubili phezulu naphansi).

Uma iholo lakho elimaphakathi lenyanga lingakuvumeli ukuthi ukhokhe imali ebanjwa nyanga zonke yemalimboleko, ngeke uyibone imoto, okungenani kuleli bhange.

Izidingo zalowo ongase abe umboleki zimi kanje:

• okungenani unyaka owodwa wenkonzo kule minyaka emihlanu edlule (iminyaka engu-5 yokugcina - okusho ukuthi ekupheleni kokubolekwa imali, okungukuthi, uma uthatha imali mboleko iminyaka emi-2, bese kuba iminyaka emi-3 edlule);
• endaweni yokugcina yokusebenza (okwamanje) kufanele usebenze okungenani izinyanga ezi-4;
• ubuzwe baseRussia, ukubhaliswa endaweni yegatsha lasebhange.

Kodwa ezakhamuzini ezinemvume yokuhlala yasemaphandleni, kanye nalabo abasebenza ezimbonini zezolimo, ezinomlando omuhle wezikweletu kuleli bhange noma ezine-akhawunti nalo, kunezivumelwano ezithile: okungenani izinyanga ezingu-6 zesipiliyoni, isikhathi somsebenzi endaweni yokugcina izinyanga ezi-3.

Amazinga enzalo

Into ethakazelisa kakhulu yizilinganiso zenzalo, kuleli bhange zincike esikhathini sokubolekwa kwemali kanye nenani lemali ekhokhwayo. Uma unikela kusuka kumaphesenti ayi-10 kuye kwangama-30 ezindleko, uzothola:

• kuze kube unyaka - 14,5%;
• kusukela ngonyaka owodwa kuya kwemithathu - 15%;
• kusuka kokuthathu kuya kwemihlanu - 16%.

Uma ufaka ngaphezu kwamaphesenti angu-30 ezindleko, khona-ke amanani azobe ephansi ngamaphesenti angu-0,5: 14, 14,5, 15,5 amaphesenti, ngokulandelana.

Njengenjwayelo, kukhona imibhalo yaphansi embalwa ngemibhalo emincane:

• uma wenqaba umshwalense wempilo kuso sonke isikhathi semalimboleko, ungakwazi ukwengeza ngokuphephile amanye amaphesenti amabili kulawa mazinga angenhla;
• okuthandwa yilabo abanama-akhawunti asebhange noma abathola iholo ekhadini lasebhange - amanani ehliswa ngephesenti elilodwa.

Okusho ukuthi, sibona ukuthi ibhange lizama ukuzivikela kuzo zonke izingozi ezingase zibe khona. Ngeke udinge ukufaka isicelo se-CASCO kuphela, kodwa futhi nenqubomgomo yomshuwalense wezokwelapha ngokuzithandela, nayo engabizi. Kodwa okungenani iqiniso lokuthi i-CASCO nayo ingakhishwa ngesikweletu lapha iyajabulisa.

Imemo eya komboleki ichaza ngokuningiliziwe imiphumela yokubambezeleka ezinkokhelweni - ngosuku ngalunye lokubambezeleka, inhlawulo engamaphesenti angu-0,1 yenani lemalimboleko liyakhuphuka. Uma umuntu ephenduka engumkhokhi ononya, khona-ke izinhlawulo zingabekwa kuye - umholo omncane oyi-10.

Uma ungesabi yonke le miphumela futhi uqinile ezinyaweni zakho ngokwezezimali, khona-ke isicelo sakho sizocatshangelwa, uzodinga ukunikeza isethi ejwayelekile yamadokhumenti, kanye nenkontileka yokuthengisa evela ku-salon, ikhophi ye-TCP kanye isheke lokwenza inkokhelo ephansi esaluni.

Izinqumo ezinjalo kudingeka zenziwe ngokucophelela. Khumbula ukuthi imali mboleko enjalo inenzuzo kuphela uma wenza inkokhelo enkulu kusengaphambili - okungenani amaphesenti angu-25-50, futhi ufake isicelo isikhathi esifushane - kuze kube yiminyaka emibili. Kuzo zonke ezinye izimo, kunenkokhelo enkulu kakhulu.

Iyalayisha...