Kuhlanganisa kuyimfuneko amaxwebhu - entsha kwi uyilo lomgaqo-mbolekoKuxhomekeke ekhethiweyo bank kwaye crediting ngayo yabo uluhlu lweenkqubo unako vary: abanye ezifunekayo kwi inkqubo esisinyanzelo qho ngonyaka, nezinye - kwe-xa usenza ezithile uhlobo-mboleko.
Kule meko, chances ye-borrower ukufumana imali-mboleko ye ebalulekileyo yandisa kubukho ezithile ubungqina kwaye ezinxulumeneyo entsimini ye-mboleko.
Ngawaphi amaxwebhu ukwenza mna kufuneka anike ukufumana imali-mboleko, yintoni kuyimfuneko, kwaye yintoni na - na, kwaye ezahlukeneyo iipakethi lwamaxwebhu ngendlela ezahlukeneyo iibhanki, lixoxiwe ngezantsi. Nokuba intloko credit imveliso ekhethiweyo siya anike borrower kunye uluhlu ntoni na amaxwebhu ziyafuneka ukuze ufumane credit. Umxhasi undertakes ukubonelela yoqobo incwadana yokundwendwela kwaye photocopy onke amaphepha ayo, apho unako ukuqinisekisa borrower, utyikityo i-bank umphathi, kokufumana uxwebhu, kwaye stamp ye-credit iziko. Ngaphezulu eziqulatho zalisa imali-mboleko isicelo kwaye iphepha lemibuzo malunga. Ezinye iibhanki kunikela ukuba abathengi a ifomu yokufaka isicelo, apho combines ezimbini iifomu. Uninzi iibhanki nika zabo abaxhasi uluhlu ntoni na amaxwebhu ezifunekayo ukuze ufumane imali-mboleko ye-lwamanzi, kwaye apho - kuba mortgage. Njengoko jikelele umthetho, kuyimfuneko: ezininzi zemali amaziko ukongeza kwi-amaxwebhu ezidweliswe ngasentla kwaye ingayalela ngakumbi. Yintoni amaxwebhu ayimfuneko ukuze ufumane imali-mboleko kwi-ngakumbi - lixoxiwe ngezantsi. Amaxwebhu zidweliswe ngezantsi ingaba ukulungele na kuphela ngalo isicelo ye-credit iziko, kodwa kanjalo personal phulo le-borrower. Uninzi lwezi amaphawu asingabo kuphela nako qinisekisa ezentlalo-ntle ubume i-borrower kodwa kanjalo dibanisa nefuthe nokuhlola yayo solvency. Ezi amaxwebhu unako kunikwa i-bank xa ufuna ukwenza imali-mboleko kwi-consumer kunye nezinye iimali-mboleko, kwaye yemali-mboleko yakho yakwa ngokuchasene nezakhiwo - real estate okanye isithuthi. credit umbutho kwi uyilo lomgaqo-consumer credit kuba acquisition impahla - umzekelo, ekhaya nezixhobo zasekhaya - ingayalela borrower ukubonelela-store kokuba zifunyenwe xa ufuna ukwenza imali-mboleko kuba imfundo - isivumelwano bangena angeliso zemfundo iziko, kwaye ikopi-mvume, eqinisekisa yayo ilungelo ukuzithwala ngaphandle imisebenzi enjalo.
Kuba imali ye-ityala a udibanisa ababonisi base borrower angenza isicelo omnye iibhanki uninzi ethandwa kakhulu - Sberbank. Yintoni amaxwebhu afunekayo ukuze ufumane i-credit kuyo Ukuba borrower ayizange kusetyenziswa iinkonzo ye-credit iziko, kwaye iimeko kufuneka ufake isicelo ngayo ukuba inzima ngakumbi umphinda-phinde ngo kunabanye abathengi, kwaye liqinisekise ye-uxwebhu wafumana iya kugcinwa ngenyameko ngexesha elithile, phinda-phinda.
I-borrower unakho, ngesicelo eyakhe phulo ukwenza i-bank of iphepha, apho siqinisekisa yakhe umnini bengagungqi ipropati okanye nayiphi na enye ipropati.
Ezi iziqinisekiso qinisekisa credit worthiness ka-umthengi kwaye yandisa zabo chances ka-yokufumana imali-mboleko.
Esezantsi misela lwamaxwebhu afunekayo kuba imali-mboleko, kukho ngasinye bank akukho nto ngaphandle kwabafundi.
Yintoni amaxwebhu afunekayo ukuze ufumane credit kwi-mali kwiziko lika rhulumente.
Ezidweliswe ngasentla, apho amaxwebhu ziyimfuneko ukuze ufumane imali.
