Ndezvipi zviri muchinangwa munyika nhasi mabhanga nokuda pamudyandigere?

Evanhu vemazuva ano, pemahombekombe nokuti pamudyandigere yakava nzvimbo kakawanda kushanyira. A vakawanda vanhu vakwegura vari kutendeukira kuna nokuda chikwereti kana kushamisa deposits ikoko. Ndokusaka mabhanga vakatanga ajairane pensioners, achisunungura wacho dhipoziti uye chikwereti zvigadzirwa kuti chidimbu ichi vemo.

Anogona pamudyandigere kuti chikwereti?

Havasi mabhanga Russian kupa chikwereti issuance pamudyandigere. Izvi imhaka yokuti zvikwereti zvikoro vanonetseka pamusoro unopinza kudzikira mune hutano anokwereta, uye maererano vasiri kuripwa zvikwereti zvavo. Asi masangano zvemari akadzika vakwegura chikwereti, zviripo. mabhanga aya vanosemburwa kubva chokwadi kuti vakwegura vane basa nenguva kuripwa chikwereti.

Sokunge kwakajairika anokwereta, pamudyandigere kuongorora kubhengi solvency uye muripo dzokutambura kwezvikwereti. Uye kana ari kwezera achishanda, mutengi akaita zvakaipa zvikwereti nhoroondo, ipapo kazhinji, kuti pamudyandigere muna chikwereti ucharambwa.

Banks kupa zvikwereti kune vakwegura uye shoma makore anosvika mashanu, nokudaro unonyevera kubva migumisiro yakaipa.

Rating kuti mabhanga kuwedzera zvikwereti, vakwegura

Credit nemasangano akasiyana, uye saka kuwedzera chikwereti mamiriro akasiyana zvachose zvose. Vamwe mabhanga nokuti pamudyandigere kuedza kupa rusununguko rwokusarudza, vamwe vanopa yepasisa rates, apo vamwe vanobvumira kuti kukwereta yakawanda vanhu vakwegura.

Rating kuti mabhanga ari kunonyanyisa huwandu chikwereti disbursement kuti vakwegura:

1. "Gamuchirai." bhangi ichi unouya kunonyanyisa huwandu chikwereti pensioners - rubles miriyoni 15. chikwereti ichi makapiwa kuti kutenga zvivako.
2. "Sberbank". Kubhangi ine mamiriyoni 10 rubles kuti mogeji anomukweretesa.
3. "Raiffeisenbank". Verengai sezvinoreva pamudyandigere rinosvika mamiriyoni 9 rubles.

Rating panguva yakaderera mubereko mwero mudyandigere Credits:

1. "Setelem Bank". The sangano inopa yakadereresa interest - 6.9%.
2. "BPS Bank." The kambani iri panzvimbo yechipiri pa yakadereresa chimbadzo, inova 9%.
3. "Uralfinans". The Bank anopawo diki interest - 10%.

Rating inobva kunonyanyisa chikwereti izwi:

1. "Sberbank". Pakutanga ndechimwe chezvinhu dzakakurumbira mabhanga. Iye anoda kutora chikwereti kuti pensioners kusvika makore 7.
2. "Bank AVB." Kubhangi inopa zvikwereti kuti pensioners anosvika 6 makore.
3. Panguva ino pane zvinenge zvose mumwe inonyatsozivikanwa nemabhangi kuti zvikwereti kusvika 5 years.

Credit nokuti pensioners. Ndeupi mabhanga zviri nani?

Three inonyatsozivikanwa nemabhangi kuti tigutse zvido vakwegura:

1. "Alfa Bank" nokuti pensioners inopa guru zvakawanda chikwereti zvigadzirwa. Nokuti vanhu vakura kuwana zvose zviripo kwezvikwereti. chirongwa Bank chakagadzirirwa kuita kuti mutengi haasati kuva pamudyandigere panguva kuzopiwawo yacho chikwereti yatorwa.

2. Bank "VTB" nokuti pensioners agadzirira chaihwo chigadzirwa pamwe zvakanaka mashoko. The chete mugariro - mukwereti zera haafaniri kupfuudza makore 65. Chisarudzo pamusoro chikwereti unouya pakarepo, uye kunyoresa zvinotora zvishoma nguva.

3. "Sberbank" inopa mamwe mamiriro ezvinhu akavimbika kupfuura uye zvinobatsira. The kunonyanyisa zera muganhu ndiwo makore 75. Kutora nani. chikwereti vatengi mubhangi zviri chinodiwa kuva nhoroondo yako pachako kana ape kadhi, izvo zvichaita -bereka mudyandigere. The chete akaipa - chokwadi pamudyandigere vanoda rubatso. The Bank zvakare kuwedzera mari chikwereti inopa vakwegura makadhi, izvo kazhinji hariwaniki mamwe mabhanga.

In chii mabhanga kazhinji pamudyandigere deposits rakashama?

Mumwe zvinozivikanwa zvikuru nemabhangi kuti vachazarurirwa pensioners mipiro ndiyo "mari Bank". Special inopa nokuti vakwegura, kunyange asina, ndiwo chakavimbika kupfuura uye mutoro bhengi zvinofungwa Vatengi vakawanda. Ndokusaka vakwegura vane zvakawanda zvokuvimba tsika nemari.

Zvinonzi aizivikanwawo kuwanikwa deposits ndiyo "Rosselkhozbank" vakwegura. Sangano iri rinoita pensioners mupiro chaiyo "mudyandigere Plus". Bet pamusoro payo - 8.5%, uye yakadereresa zvinoita mari kuti nokuvhura dhipoziti akaenzana 500 rubles.

"Eurocommerce" kubhengi mumwe mupiro mari kupa. On dhipoziti "mudyandigere mari", iye anoratidza mwero 10.5%.

Chii Zvinyorwa vanofanira kuwana chikwereti kuna pamudyandigere?

Akakumbira mapepa kubva anokwereta mabhanga akasiyana, asi pane avo kuti nemhosva vanofanira kupa chero nyaya. Idzi dzinosanganisira:

• pasipoti;
• gwaro uwandu mudyandigere vakagamuchira;
• Chitupa pamudyandigere.

Kunze kwaizvozvo zvose, mabhengi vanogona kukumbira rubatso kana rubatso. Mostly pamudyandigere vanosarudza kutora zvikwereti yakasimbiswa ne mufurati.

mamwe mashoko

Munhu wechikuru ari kubatwa zviri chikwereti anofanira ngadziteerere chaizvo. Pazera, vanhu vari nyengedzeka uye nyore kutakurirwa kune kuroorwa. Sokunge pamudyandigere kusanyatsoona zvakanaka kana utano, haagoni kuverenga anodhinda yakanaka iri chibvumirano, iyo kazhinji vaiona rakakura. Saka yeGmail.END_STRONG angasava ziva mhosva zvakavanzika uye zvigadzirwa inishuwarenzi pamusoro. Naizvozvo, zvikwereti nokuti pensioners nani kutaura nevanhu pedyo nehama, kubatsira wofunga dzinovhiringidza ezvinhu. Chinhu chikuru kuti hama Usaita paro. Zvikasadaro, bhengi mushandi anogona kusarudza chii munhu akwegura nechisimba kumanikidzwa kutora chikwereti.

vanhu vakwegura ndivo kupfuura nehana anokwereta, ndokusaka nemabhangi kuti zvikwereti nokuti pamudyandigere pamusoro akanaka mashoko uye yakaderera kufarira prices. Asi kunyange kupiwa chokwadi ichi, mari nemasangano vasingafariri rukoko urwu vokuparidzira, nokuti mudyandigere mari shoma. Asi kana munhu akwegura anosarudza kutora chiduku uye kwenguva shoma nguva, mabhengi nomufaro kupa chikwereti yakadaro.