Nqis peev thiab nthuav qiv ntawm Sberbank rau vaj tse

2024 Tus sau: Howard Calhoun | [email protected]. Kawg hloov kho: 2023-12-17 10:28

Raws li niaj hnub no, qiv nyiaj los ntawm Sberbank rau vaj tsev yog ib txoj hauv kev txaus siab tshaj plaws kom tau koj tus kheej vaj tsev. Qhov tseem ceeb tshaj plaws rau cov neeg qiv nyiaj yog tias lub txhab nyiaj tau hais tseg tau ua siab ncaj thiab tsis ncaj ncees rau nws cov neeg siv khoom.

Ntawm no yog xov xwm zoo. Tam sim no, muaj 7 qhov kev pab qiv nyiaj, 3 qhov yog qhov yooj yim thiab 4 qhov tshwj xeeb.

Dab tsi ua rau nws tuaj yeem tau txais qiv nyiaj ntawm Sberbank rau vaj tse? Daim ntawv teev cov kev xaiv, nws yuav tsum tau muab sau tseg, yog heev impressive. Cov pej xeem, siv cov peev nyiaj ntawm cov qiv nyiaj, muaj cai los yuav cov khoom uas lawv nyiam (tshiab lossis tab tom tsim), lossis nws tus kheej koom nrog kev tsim kho. Hauv qhov thib ob, piv txwv li, kev tsim vaj tsev nyob, nrog rau cov chaw nres tsheb raug tso cai. Ntawm qhov xwm txheej twg yog qiv nyiaj tau txais hauv Savings Bank of Russia? Nws yog qhov tseeb tias tag nrho xya qhov kev pabcuam uas twb muaj lawm txawv ntawm ib leeg hauv qee cov ntsiab lus. Hauv qab no yog cov txheej txheem uas tuaj yeem raug cais raws li kev dav dav(basic):

• Lub sijhawm siab tshaj plaws uas qiv tuaj yeem muab tau yog 30 xyoo;

• Tus nqi qis kawg nyob ntawm tus txiaj: hauv rubles - 45 lab (lossis qhov sib npaug hauv US las lossis euros). Raws li rau kev tsim kho ntawm lub teb chaws tsev, ntawm no tus nqi yog ntau npaum li cas me ntsis. Nws yog 300 txhiab rubles lossis qhov sib npaug hauv cov txiaj ntsig txawv teb chaws;

• Tus nqi siab tshaj yog tsis tswj hwm. Txawm li cas los xij, nws qhov loj me tsis tuaj yeem ntau dua 85% ntawm tus nqi ntawm cov khoom (thiab qhov tom kawg tuaj yeem ua raws li kev cog lus lossis kwv yees. Txawm li cas los xij, qhov me dua yog xaiv); • collateral - cov khoom raug yuav los yog ib tug uas twb muaj los ntawm tus qiv. Txawm li cas los xij, kev qiv nyiaj ntawm Sberbank rau vaj tse tuaj yeem tawm tawm tsam lwm hom kev ruaj ntseg.

Tom ntej, cia peb tham txog cov paj laum. Lub mechanism ntawm lawv tsim tsis yog yooj yim. Muaj ntau yam tseem ceeb tshwj xeeb rau cov paj laum uas tau txais qiv nyiaj los ntawm Sberbank rau vaj tse. Qhov loj tshaj plaws yog qhov loj ntawm cov nyiaj them poob qis. Ntawm no qhov dependence yog inversely proportional: qhov siab dua nws yog, tus nqi qis dua. Lub sijhawm uas tus neeg qiv yuav xav rov qab cov nyiaj tau los kuj tseem ceeb. Qhov sai dua nws ua, nws them tsawg dua. Thaum kawg, qhov chaw ua haujlwm ntawm cov neeg siv khoom tseem ceeb: rau cov pab pawg ntawm qee lub koom haum muaj cov kev pabcuam tshwj xeeb. Yog tias koj xav tau txais qiv nyiaj los ntawm Sberbank ntawm Russia, koj yuav tsum ua kom tau raws li ntau qhov kev xav tau. Ua ntej, koj yuav tsum muaj tsawg kawg yog 21 xyoo, tab sis tsis tshaj 75 xyoo nyob rau hnub ntawd,thaum koj tuaj yeem zoo siab hais tias, "Kuv tsis tshuav leej twg!" Qhov thib ob, kev tso npe qiv nyiaj ntawm hom tau piav qhia tsuas yog muaj rau cov pej xeem ntawm Russia. Koj tuaj yeem lees paub qhov tseeb no nrog koj daim ntawv hla tebchaws. Tus so ntawm cov kev xav tau yog cov tsoos heev. Siv yam tsawg kawg ib yam kev ua haujlwm. Los yog keeb kwm credit zoo. Ntxiv mus, peb tab tom tham tsis tsuas yog hais txog qhov xwm txheej ntawm kev sib raug zoo nrog lub tsev txhab nyiaj no, tab sis nrog rau tag nrho lwm tus. Ua tib zoo mloog rau lub sijhawm zoo li nyiam cov neeg lav rau qhov kev npaj ua lag luam. Tsis tas li ntawd, tus txij nkawm yuav tsum ua raws li tus neeg qiv nyiaj.