Waa kuwee waa ka wanaagsan in amaah bangi, oo rating iyo dib u eegis

Nasiib darro, ee dalkeenna xaaladda dhaqaale muddo dheer saboolka ah. Baahida qof walba. Laakiin lacag dhan ma laga heli karaa inay la kulmaan iyagii. Maxaa yeelay, dad badan ayaa ka gaabsadaan in ay diiwaan amaah. Si kastaba ha ahaatee, waa - go'aan dhab ah. Sidaas daraaddeed dadkii waxay u leeyihiin in ay si taxadar leh u eegto, waayo, hay'ad maaliyadeed oo bixiya shuruudaha amaah wanaagsan ugu. Kaliya ka dib markii barbar fursado dhowr ah waxaa soo baxday in ay fahmaan kaas oo ah bangiyada ugu fiican in la qaato amaah ah.

hogaamiyaha cad

In darajayn ugu horeeyay ee meel, dabcan, waa in Sberbank. Oo aan ahayn mid la yaab leh. Ka dib oo dhan, waa "da" bangiga ugu weyn iyo in Russia, inta badan ee saamiyada kuwaas oo (52%) waxaa iska leh CBR ah.

Hay'addani dhaqaale bixisaa dhowr nooc oo deyn. Qaado, tusaale ahaan, macaamiisha. In Bank Savings waxaa xitaa kuu diyaarin karaan shqsiga ah. lacagta ugu badan - 1.5 million rubles, heerka - ka 16.9%, iyo erayga noqon kartaa ilaa shan sano.

xaaladaha More wanaagsan ku bixiyeen in dadka kaa kafaala-qaadi karaa qofka jirka. Markaas lacagta suurtogalka ah ee amaahda waxaa kor u kacay ilaa 3 million rubles, iyo dulsaarka bilaabmin s13.9%. mar kaliya jirayaa.

Dad badan ayaa ku mashquulsan yihiin waxa bangiga Waxaa ka wanaagsan in amaah ah, jecel yihiin in ay sameeyaan xisaabaha hordhaca ah, si ay faa'iido u noqon kartaa in ka badan oo la arko. Waa hagaag, waxaad ku siin karaa tusaale. Qofka qaba dakhliga ah 60,000 rubles bil ah, waxaa la bixiyaa on kaarka Savings Bank, uu awood u leeyahay inuu qaato laba sano, oo ku saabsan 640 000. Waayo, isaga, dulsaarka waa 13.9% sannadkii. bil kasta waxay yeelan doonaan in la siiyo ilaa 30 550 p., Oo lacagta dheeraadka ah iyadoo ay sabab u noqon lahaa 95 000.

"VTB 24"

Ka hadalka ku saabsan waxa ugu fiican ee bangiga in ay qaataan credit ah, in aan ku xuso iyo "VTB 24". Ka dib oo dhan, ee qiimeynta bilaha ah, ururka qaadataa meel labaad.

"VTB 24" waxay bixisaa dhowr nooc oo amaah macaamiisha. "Close" - laga bilaabo 400 000 3 000 000, muddo 37-60 bilood, iyadoo heerka a of 15.9-17.9% sannadkii. "Speed" - 100 p m .. ilaa 3 million. Ereyga, taas oo yeelan doonaan in ay sii wado bixinta lacagta deynta waa 6 ilaa 36 bilood. Iyo nooca la soo dhaafay - waa credit "anfacaya". Sida ay qaadan karto wadarta 100 m. P. si 399999 p. Period - ka 37 ilaa 60 bilood, heerka - 16.9 - 25%.

By habka, dad badan oo ka yaabban oo bangiga Waxaa ka wanaagsan in amaahda hantida maguuraanka ah, aad u hesho talo si aad u codsato in ay "VTB 24". In ururka this runtii xaalado aad u fiican. Ka soo qaad qof doonayo si ay u iibsadaan guri 1-jiifka ah 4 million rubles. Waxay u baahan doonaan deeqdan ay tahay billowga 1 200 000. Inta ay dadka diyaar u ah inay soo iibsadaan guryaha sida, sida caadiga ah u qaadi. "VTB 24" waxay bixisaa haddii ay taasi ku diyaarin mortgage ah muddo 10 sano ah. Haddii qofku helo in muddo bil ah oo ku saabsan 65 000 rubles, heerka ay tahay oo keliya 11.4% sannadkii isaga for. baahan A inaad bixiso on 39 000 masaxo. / M.

"Rosselkhozbank"

Hay'addani dhaqaale waa meel saddexaad ee darajayn. Qaar badan, isagoo bartay si faahfaahsan Su'aasha ah in, in waxa bangiga Waxaa ka wanaagsan in amaah ah, doorato "Rosselhoza". Gaar ahaan faa'iido ah xalka loogu talagalay dadka ay ku lug leeyihiin ee "mashruuca mushaar" ururka kuwa. Dadkaas iyaga ah, dulsaarka amaahda macaamiisha aan dammiin ku bilaabmaa 15.5% sannadkii. Haddii qof doonayo inuu qaato 750 kun rubles (inta ugu badan) ee 36 bilood, iyadoo dakhliga billaha ah 60 000 mari., Markaasaa waxaa u yeelan doonaan in ay siin wadar ahaan 26 000 masaxo. / M., At heerka of 16.9% sannadkii. Waa layaabna ma leh in dad badan oo dooran "Rosselhoz" haddii ay wax su'aal ah ee ku saabsan amarka, taas oo bangiga Waxaa ka wanaagsan in credit ah.

Intaa waxaa dheer, waxaa jira heshiis fiican amaahda. Waayo, guri LCD ee "Tsaritsyno", tusaale ahaan, dhigay heerka ugu yar ee sannadlaha ah ee 7.5%. Oo weliba waxaa jira a daymaha amaahda military talagalay in lagu iibsado hantida maguurtada la taageero dawladda iyo soo jeedinta badan oo kale. xataa Waxaad lagu diyaarin karaa amaah guri on labada waraaqaha! waxa keliya oo yeelan doonaan inay wax u ururiyaan bilowga ah ee 40%. Man ayaa awood u leh inay si deg deg ah ka bixiso lacagta sida ay tahay xaqiijinta afka ah oo uu dakhliga. Haddii uu doonayo, ha qaadan hal milyan oo rubles ilaa 36 bilood, heerka uu yahay 14.4% sannadkii isaga for. dakhliga billaha ah oo kaliya waa in ay ahaataa 60 m. P. Sababtoo ah 30 maalmood oo kasta, waxay yeelan doonaan in la siiyo 40 tons. P. sida bixinta.

"Alfa-Bank"

In qiimeynta badan, kaas oo si cad u muujisaa bangiga Waxaa ka wanaagsan in amaah lacag caddaan ah, ururka ka mid ahaa saddexda ugu sareeya. xaaladaha wanaagsan. lacagta ugu badan - 2 million rubles. Term - min hal ilaa shan sano. Guddiyada No damiin looma baahna, heerka sanadlaha ah ee ka bilaabmataa 13,99%, iyo go'aanka la siiyo waxaa laga dhigi doonaa maalmood gudahood. Iyo suurtagalnimada of bixinta hore, taas oo run ahaantii ku heshiin xitaa telefoonka.

Sidoo kale macaamiisha payroll ee ururka this bixisaa xaaladaha wanaagsan on daynta. Haddii qof doonayo inuu soo iibsado guri ku yaal suuqa sare, ka dibna waxa uu soo saari karaa lacag 5-25 sano la deeqdan ay tahay billowga 30% oo ka mid ah warqadda diiwaangelinta oo kaliya. Heerka sidaas ka dhigan in 17.3% sannadkii. Haddii aad rabto in aad guri ka iibsato, aad leedahay si ay u sameeyaan 40% ka mid ah wadarta guud.

"Gazprombank"

Dad badan ayaa sheegan - waxa fiican in aad doorato ururka this, waxaan uun helay su'aal ku saabsan amarka, taas oo bangiga Waxaa ka wanaagsan in credit ah. Dad badan ayaa waxaa mid ka mid ah ugu wanaagsan ee loo yaqaan.

Haddii aad soo dejin amaah ah muddo illaa hal sano, heerka uu noqon doono 13% la software iyo 14% - isaga oo aan. Loan u baahan tahay si aad u sameysato muddo dheer? Haddii ay kala duwan yihiin min hal sano ilaa saddex sano, heerka dulsaarka sannadlaha kordhin doontaa in 13.5% ka software iyo ilaa 14.5%, haddii ay jiraan waa sida no. Oo amaah ah muddo 36-60 bilood yeelan doonaan in ay bixiyaan 14% iyo 15% siday u kala horreeyaan. By jidka, "Gazprombank" heerka macaamiisha hoos 0.5%.

OTP

Ururka Tani, sidoo kale, ma aha meel la soo dhaafay ee darajayn oo ka mid ah ururada dhaqaale-dhawrku. Waxaa intaa dheer, qaar badan oo waxaa lagula talinayaa in ay ahayd iyada, haddii qof uu xiiseynayo waxa bangiga Waxaa ka wanaagsan in amaah macaamiisha.

Deymaha ka OTP siiyo lacag caddaan ah ujeeddo kasta. Aan niraahno qofku u baahan yahay inuu qaato 500,000 metrik P.. muddo 24 bilood ah. Wuxuu ku siin karaan bet ah in 14.9% sannadkii iyo lacag bille ah oo 24 220 rubles.

OTP Mortgage in aad u wanaagsan, gaar ahaan "ay" macaamiisha. muddada ugu badan - 30 sano. mortgage A dowladda dhigay heerka of 11.2%. Waayo, dhismayaasha cusub - oo ah 12%, iyo sidoo kale guri la dhammeeyayna.

By habka, TNA iskaashi shirkado badan, iibsashada xarumaha kaas oo la soo saari kartaa by qaybood ama credit. Tani waa DNS ah, "Rasuulka", "Euroset" Media Markt "Tiknoolijiyada-Force", "Megafon", "585", Elena maabalka iyo noocyada kale oo badan oo caan ah.

"QASHIN"

Tani waxay sidoo kale waa hay'ad maaliyadeed oo ganacsi ah oo si caddaalad ah si fiican u yaqaan. Dad badan ayaa waxaa inta badan lagula talinayaa in ay iyaga soo xiriir haddii qof uu xiiseynayo in waxa ugu wanaagsan in la qaato amaah bangi roon tahay.

Wadarta ugu yaraan - 100 000 t p, ugu badnaan -. Million. jeer Delivery ka 24 ilaa 84 bilood kala duwanaan karaan. Heerka bilaabantaa 16.5%, iyo go'aanka la siiyo waxa laga soo qaatay muddo saddex maalmood ah.

Haddii qof macmiil ah "QASHIN", wuxuu soo saari karaa hal milyan oo rubles hoos 5.16% sanadkii, inkastoo xaqiiqda ah in lacagta bil kasta uu noqon doonaa 26 m. P.

Halkan, sidoo kale, mortgage waxaa la soo saari karaa. The heerka ugu yar ee sannadlaha ah - 11.25%, muddo - 5-25 sano. Lacagta bilowga ah waa in ay ahaataa 15%. lacagta amaahda ugu badnaan aan ku xaddidnayn, laakiin ugu yaraan -. 600 p. (Moscow), 300 P. r. (Gobollada kale). Qaado go'aan shan maalmood gudahood ah. By habka, weli waa hoos u suurto gal ah qayb ka mid ah heshiis amaah ah, xaddiga lacagta ama bixinta hore.

"Ugra"

Tani waxay si wadajir ah-stock urur ganacsi. Ka hadalka ku saabsan waxa ugu fiican ee bangiga in ay qaataan amaah ah (liiska magacyada, sida aynu arki karin oo aad u ballaaran), waa in la ogaadaa dareenka iyo "Ugra". Waxa uu ku siinayaa afar nooc oo amaah macaamiisha. Waxaa jira ah "saaxiibtinimo", "ujeeddo kasta", "Loyal" iyo "Pension". peculiarity ee bangiga tani waa in aysan jirin xaaladaha universal - halkan si gaar ah loogu talagalay macmiil kasta xulay hindisaha ah, iyadoo la raacayo ay dakhliga iyo fursad. Sidaas diiwaangelinta waa in marka hore codsi buuxiyaan.

Waxaa la mid ah mortgage ah. Laakiin waxaa jira heerarka qaar ka mid ah. Lacagta bilowga ah waa in ay 20% ka mid ah wadarta guud. dheer ee amaahda - sadex ilaa soddon sannadood. Inta ay ugu yaraan 300 000 rubles, ugu badnaan - 10 million p.

"Avtotorgbank"

Tani liability kooban sidoo kale xusid mudan dareenka, hadalka ku saabsan, taas oo bangiga Waxaa ka wanaagsan in credit ah. Rating inta badan muujinaysaa magacyada caanka ah ee hay'adaha maaliyadeed. About "Avtotorgbank" maqlay dhowr ah. Laakiin bixiya xaaladaha wanaagsan loogu talagalay deynta gaariga.

At-hawlgalayaasha badan ee ururka, oo ay ku jiraan shirkadaha shisheeye si fiican u yaqaan. Money arrimaha bangiga amaahda baabuurta ee euros, dollars iyo rubles. Wadarta ugu yaraan - 300 000 rubles, ugu badnaan - 5 million. Time dhaxayn karo 6 ilaa 60 bilood. Lacagta bilowga ah waa in ay ahaadaan ugu yaraan 20% ka mid ah kharashka mishiinka. deposit The looma baahna, sida ay u hesho in ay baabuur ku iibsado (aad mari doonaa TCP ku shubo bangiga a).

Haddii qof diiro lacagta muddo ah 6 ilaa 12 bilood, heerka sanadlaha ah uu noqon doono 18%. Laga soo bilaabo 13 ilaa 36 - 19%. Iyo ka 37 ilaa 60 - 19.5%, siday u kala horreeyaan. Badan oo amaah ah ee euros ama dollars, sababtoo ah kiis kasta, iyadoo aan loo eegayn waxa muddo doortay by macaamiisha ah, heerka uu noqon doono 15%. Laakiin haddii ay taasi sidoo kale waxaa jira halis ah, oo ay tahay heerka sarrifka aan la saadaalin karin.

"Sovcombank"

Ururka waxa kale oo xusid mudan dareenka, hadalka ku saabsan bangiga Waxaa ka wanaagsan in credit ah. Responses ku saabsan inta badan wanaagsan. Ka dib oo dhan, "Sovcombank" dhigaysa macaamiisha ay la heshiis fiican. Si kastaba ha ahaatee, adeegyada habboon ee ururka dadka kuwa u baahan qadar yar. Sidaas daraaddeed, tusaale ahaan 100 000 oo la soo saari karaa 12% sannadkii bangiga. Shuruudaha deynsanaya hooseeyo - dhalashada Ruush, da'da 20 ilaa 85 sano, muddo 4-bilood ee goobta shaqada ee la soo dhaafay iyo diiwaan joogto ah ee gobolka (oo sidoo kale ugu yaraan 120 maalmood).

Waxaa jira credit macaamiisha "Standard" xaddiga ugu badan oo ah 200 000 rubles, "Superplyus" (600 000 masaxo.), "Pension", "Express" iyo xitaa amaah loogu yeero "culus" siiyaa dul bandhigga baasaboorada iyo shahaadooyinka tacliinta sare .

Maxaa macaamiisha noo sheeg?

Ugu dambeyntii, waxaad la hadli kartaa wax yar oo ku saabsan nooca-celin on bangiyada tago dadka si ay u isticmaalaan adeegyada ay.

Comments way kala duwan yihiin. The hore u soo sheegnay "Savings Bank", tusaale ahaan, uu helo labada aragtiyood dhaliil iyo amaanba. Xaqiiqada ah in ururka rogay shuruudaha ay aad u sarayso, waayo deynsanaya iman kara. Oo aad u hesho si amaah ah ugu wanaagsan low-xiisaha noqon kartaa qof, ay sabab u tahay xaddiga lacagta kasbadeen, by, dhif la kulmaan baahida loo qabo in la qaato amaah ah oo kaliya. Tusaale ahaan, in sharaxaad ka mid ah adeegyada waxaa lagu sheegay in lacagta ugu badan - 3 million rubles (damiin). Laakiin xitaa laba iyo nus milyan ku siin kara ilaa 60 bilood, kaliya qof leh waayo-aragnimo ka mid ah dhowr sano oo mushahar ah 150 000 masaxo. / Month. Laakiin ma aha faa'iido, sida heerka sanadlaha noqon doonaa 14.9%, iyo wadarta guud ee dheeraadka - 1130000 p. Sidaas daraaddeed in canshuuraha lagu muransan yahay.

By "VTB 24" macaamiisha codsiyadii kale. Marka la eego heerka iyo hawshiisa oo dhan iimaanka wanaagsan - sida in description ka, laakiin sugidda aad u dheer. Codsiga ma la oran karo waa mid ka mid ah oo aan xitaa laba todobaad. Sababtoo ah, haddii la go'aansaday in la qaato amaah ah "VTB 24", waxa fiican in loo sameeyo ka hor diiwaangelinta. Isla sidaas u dhaqmaan "Rosselkhozbank". Iyo u badan tahay si aad u hesho credit for lacag aad u badan iyo heerka tartan xiiso kordho haddii qofku qabo rahaamad qaab hanti qaali ah. Sidaas daraaddeed dadkii waxay xaqiijiyeen in qurxinay amaah ah "Rosselkhozbank".

Iyo labo ka mid ah erayada ku saabsan bangiga OTP. Ururku wuxuu la sheegay in macaamiisheeda, waxa taagan iyo cidduu doono qaar ka mid ah dulsaarka wanaagsan. Dad badan qaatay credit ah, xusuusinta joogto ah ka bangiga ku saabsan bixinta deynta iman. Dadka qaar ma jeclaan, laakiin taas waxa laga sameeyaa aawadood oo ah dadka aan illoobi - loogu talagalay.

Guud ahaan, in Russia ay jiraan dheriga badan oo fiican. Go'aanka in ay qaataan deyn - tallaabo aad u daran oo ka mas'uul. Sidaas sameeyaan doorasho ay guushu ku urur u baahan oo kaliya in ay si taxadar leh iyo barasho qabaa leh shuruudaha oo dhan bangiyada tijaabiyey.