Sharuddan na aro daga Sberbank for fansho. A amfani kudi, da shekaru iyaka

Sberbank na Rasha a yau - shi ne ya fi dogara da kuma duniya banki na kasar, da yiwuwa wanda aka tabbatar da shekaru da kuma miliyoyin gamsu abokan ciniki. A iri-iri na aro shirye-shirye, kudi canja wurin, sauri biya da kuma sauran high-karshen sabis na hanyar Sberbank, Rasha jama'a suna mai daraja sosai sosai.

Daya daga cikin babban fasali - mai zaman fuskantarwa da bashi da kudi kayayyakin. A musamman, ya kamata a lura da cewa Savings Bank ya ba wa fansho bashi. Kuma shi ya sa su tsaya a cikin wani musamman zamantakewa kungiyar, saboda su samun kudin shiga ne ko kuma barga, amma a mafi yawan lokuta kananan. Shi ne saboda wannan al'amari cikin sharuddan da rance ga Sberbank galihu fansho. Kuma ritaya a lokacin da sarrafa abin da rance iya aiki, ko watakila m.

fifiko ga sharuddan

Sharuddan na aro daga Sberbank ga tsofaffi samar na musamman gata ga mutane samun wani fensho zuwa wani asusu a banki:

· Lower sha'awa kudi a kan wani aro samfurin.

· Presentation guda daftarin aiki (fasfo) na da zane na aro.

· Application for rance ne dauke maza maza (a san cikin 2 hours).

· Pensioner iya zo a cikin aikace-aikace tare da cikakken wani Savings Bank reshe, wanda al'amurran da suka shafi credits (da kuma gaba daya m daga wurin zama).

· Akwai wani madadin, alaka da aiwatar da karbar kudi: ko za su iya biya a tsabar kudi, ko da za a canjawa wuri zuwa ga borrower ta katin.

iri rance

Bayan da cewa Sberbank samar da rance ga mutane, daga gare su, da shi ma allocates wani raba category - fansho. Nau'in na aro kayayyakin ne quite bambancin ga mutane na yi ritaya shekaru, amma banki ne sosai m game da su amince da shi, da sanin cewa wannan category na 'yan kasa yakan haifar da wani fairly high hadarin ba biya kudi. Saboda haka, Sberbank na Rasha na samar da rance ga pensioners kawai idan borrower ta bashi tarihi ne impeccable. Loans ga pensioners Sberbank raba zuwa dama Categories:

· Mai amfani da;

· Target.

· Credit cards.

Aro da ba su da software, kuma za a iya bayar a karkashin garanti na wani mutum.

Mai amfani da rance ba tare da tsaro

Wannan rance ne daban-daban a matsayin mai sauki kamar yadda cika wani request. Pensioner bukatar kawai a fasfo, aikace-aikace da kuma hujja da samun kudin shiga (albashi da kuma / ko fensho).

Saboda a gaskiya wannan rance ba samar ga wani arziki daga wani immovable dukiya ko a cikin nau'i na tabbacin daga wasu kamfanoni, da adadi za a comparatively kananan. A m adadin ne 15 000 rubles (ga Moscow masu amfani da sabis na bankin - 45 000), da kuma iyakar da iyaka na aro - miliyan 1.5 rubles.

Samar da Savings Bank rance ga fansho, da sha'awa kudi a kan wanda aka ƙaddara dangane da lokaci rance:

· Credit, tsara don har zuwa 2 shekaru, zai zama batun a mafi žarancin 17% a kowace shekara.

· Ara kudi daga banki domin shekaru biyar da za su kudin da pensioner 18,5% a shekara ko fiye.

Jama'a fi son ranta a kudin kasashen waje, za ta ji dadin mafi sharadi gwargwado. Saboda haka, amfani kudi domin shekaru biyu rance zai zama 14% annum da sama, da kuma ga wani biyar-shekara rance - daga 15,5% annum.

Matsakaicin shekaru na borrower

Tun Sberbank ba wadannan rance ga mutane, wanda shi ne ja da baya shekaru, shi ne ma'ana don tsayar da cewa a lokacin da aikace-aikace da borrower dole riga da za a bayar da wani fensho, kuma kada ta kasance girmi shekaru 65. Bugu da kari, yana da muhimmanci cewa a lokacin gudanar da bashi wajibai da borrower ya matasa, fiye da 75 shekara.

Tsararru aikace-aikace an dauki banki ma'aikata cikin biyu aiki kwanaki, da kuma ba za ka iya tsara shi a cikin watan na samu daga m mayar da martani. Extinguishing ya auku a daidai wata-wata biya. Farkon biya na borrower ba ya bukatar wani ƙarin kudade. Sberbank ba kafa wani m ɓangare na farkon m biyan bashin, babu m lokaci na farkon biya a full. Azãba marigayi biyan bashin ne misali da 0.5% na adadin wata-wata biya kashi-kashi. Ta kara da cewa a bashi a cewa adadin a kowace rana.

Loan da lãmuncẽwa

Sharuddan na aro daga Sberbank ga tsofaffi hada da yiwuwar wani aro manyan kudi, amma kuma akwai bukatar ya zama wajibi a yi unsa da su tabbatar. A gaban mutane kiwon kudi-baya garanti, ta atomatik qara rance rufi har zuwa 3 miliyan. Rubles. Kan aiwatar da samun bashi da sabis ne m ga talakawa mabukaci version. Balaga dabam daga watanni 3 zuwa shekaru 5. Babban abũbuwan amfãni daga irin wannan rance ne m amfani rates da kuma rashin kwamitocin ga biya.

Ritaya, ya yi aiki a cikin Savings Bank, na iya samun mabukaci bashi karkashin garanti na jiki mutane a cikin kudi na 16,5% annum, da kuma son yin amfani da kudi a cikin dala ko Tarayyar Turai za su sami wani ma fi girma amfani. Ga su, na shekara-shekara amfani kudi zai zama daidai akalla 13.5%.

Sberbank al'amurran da suka shafi rancen fansho, wanda shekaru a lokacin ƙarewar da kwangila ba zai ƙetare dokin 75 years.

katunan bashi

M rates na katin bashi sabis da wani babban Jimlar iyaka samuwa ga pensioners wadanda mambobi ne na fensho ko albashi Sberbank ayyukan. Har ila yau, wannan samfurin iya samun bashi da kyau bashi tarihi da kuma abokan ciniki tare da wani zare kudi da katin. A irin haka ne, da katin bashi da aka miƙa wa abokin ciniki kafin amincewa. A da'awar a kan an dauke Savings Bank manajan maza maza, shi ne nan da nan ya ruwaito, kuma akwai iyaka a kan shi. Pensioner isa su nuna wani fasfo da Rasha dan kasa da kuma rajista. A shekara-shekara amfani kudi a kan wani katin bashi zai bambanta daga 18.9% zuwa 24% annum da matsakaicin adadin na iya zama har zuwa 600,000 rubles.

Car Loan

Bankin rance ga pensioners iya ba domin sayan daga cikin mota, duka sabon da kuma amfani. Idan mota na cikin gida ko kasar Sin yi ya riga a amfani, ta shekaru kada ta kasance girmi 5 shekaru, kuma idan wani waje mota sanya a wata kasa, to dole ne a sanya wani fiye da 10 da suka wuce.

Kudade ga wata mota rance, rance Sberbank ba samar. Ba ya samar da abin shaida na samun kudin shiga ne zai yiwu, idan ka yi wani na farko biyan 30% na aro adadin a kan fi so mota. Zaka kuma iya bayar da banki da wani daga cikin dukiya a matsayin jingina.

Domin sayan motoci shirye su ba Sberbank aro zuwa fansho, da amfani da wanda zai bambanta daga 13.5 zuwa kashi 15% a cikin m kudi dangane da lokaci na aro. Musamman sha'awa ne kuma caje a matsayin aro a waje kudin rance har zuwa shekara 1, 3 shekaru da kuma 5 ne batun 10.5%, 11.5% da kuma 12% bi da bi. Wadannan farashin su ne m ga tsofaffi bauta a cikin Savings Bank a matsayin masu karɓa na pensions da sauran abokan ciniki zai sami bashi a cikin kudi na 1% more.

A wani aro za ka iya samun har zuwa miliyan 5 rubles, kuma mafi ƙasƙanci adadin - .. 45000 rubles. Da zarar Bank ya amince da wani aikace-aikace fara zabi bashi makaman, wanda yana 90 days.

jinginar gida bashi rance

Don saya gida za a iya samu quite m cikin sharuddan da rance Savings Bank for fansho. Wannan memba na kudi da kuma bashi kasuwar yayi wa tsofaffi abokan ciniki uku jinginar gida na rance shirin:

• sayan ƙãre gidaje.
• saye da abu a karkashin gini.
• gina gida a kan nasu.

Savings Bank samar da rance ga fansho, da sha'awa kudi a wadda daya da cent ƙananan fiye da misali shekara-shekara amfani kudi a kan jinginar gida.

By sayen shirye ko a karkashin gini gidaje, da ritaya shekaru mutane suna da hakkin su dauki wani matsayin aro a cikin adadin 45 dubu rubles. A m farko taimako a cikin wannan yanayin ne 15% na gida farashin. Matsakaicin lokaci na wani gidaje, rance ne da shekaru 30. Tare da wani na farko taimako da rabi daga cikin kudin na wani Apartment borrower iya sa ranta mafi m, cewa shi ne, da sha'awa kudi a kan shi zai fada wa 12% a kowace shekara.

Abũbuwan amfãni daga fensho bashi a cikin Savings Bank

Wadannan shawarwari a yau bashi kasuwanni ne mafi kyau da kuma amfani, da cikin dukan Rasha bankuna. Service Savings Bank for ritaya yana nufin wadannan amfanin:

· Terms na aro don fansho bambanta a amfaninsu.

· Loan za a iya sãka gaba da jadawali ba tare da wani ƙarin biya.

· Service fansho kawai sosai m kwararru.

· Hotline aiki a kusa da Agogon. kiran a kan shi, za ka iya samun cikakken amsoshin duk tambayoyin abokin ciniki;

· Borrower ritaya shekaru a cikin Savings Bank iya zama memba na bonus shirin ko musamman mataki, wanda idon shafi Jihar bashi bashi;

· Rijistar na rance a cikin wannan banki ne m da kuma bayyana summary dukan abubuwa da kwangila.

· Ta hanyoyi da dama zuwa sãka da fensho bashi: tsabar kudi biyan bashin a cikin reshe na bank transfer da roba cards, kudi canja wurin ta hanyar tsarin "Golden Crown" ko "Contact", canja wuri da kudi don a bashi asusu tare da wani lantarki jaka.