Wace banki ce mafi kyau ya dauki bashi: rating da reviews

Abin takaici, yanayin tattalin arziki a kasarmu na dogon lokaci ya bar yawancin da za a so. Kowane mutum yana da bukatar. Amma ba koyaushe akwai hanyoyi don samun gamsuwa ba. Saboda mutane da yawa sun yanke shawara game da bashi. Duk da haka, wannan babban shawarar ne. Don haka mutane dole su binciki ɗakunan kudi wanda ke ba da ka'idojin bashi. Kawai bayan gwada dama zažužžukan shi dai itace fahimta a cikin abin da mafi kyau bankuna dauki wani aro.

Ɗaya mai jagoranci guda daya

Abu na farko a cikin bayanin, ba shakka, Sberbank ne. Abin da ba abin mamaki bane. Bayan haka, wannan shi ne bankin mafi girma da "shekarun" a Rasha, mafi yawancin dukiya (52%) na CBR.

Wannan kudi ma'aikata yayi da dama iri rance. Ɗauka, alal misali, mabukaci. A Sberbank za'a iya bayar da shi ba tare da takaddama ba. Matsakaicin adadin shine 1 500 000 rubles, ragowar daga 16.9%, kuma wannan lokacin zai iya kai shekaru biyar.

Yanayi mafi kyau da aka ba wa mutane ga wanda mutum zai iya ba da shi. Bayan haka adadin kuɗin da zai yiwu ya karu zuwa 3,000 000 rubles, kuma tarin kudin ya fara daga 13.9%. Lokaci kawai bai canza ba.

Mutane da yawa, suna tunanin abin da banki ya fi kyau don ɗaukar bashi, kamar yin lissafi na farko, don haka za a iya ganin amfaninta. To, zaka iya ba da misali. Mutumin da ke samun kudin shiga na rubles 60,000 a wata, yana karɓar albashi a katin katin banki, yana da damar damar shekaru biyu ya dauki kimanin 640,000 rubles. A gare shi, yawan kuɗin da ake da shi zai zama 13.9% a kowace shekara. Kowace watan yana da muhimmanci a ba da kimanin 30,550 rubles, kuma yawan kuɗin da zai biya zai ƙaddamar da rugu dubu 95,000.

"VTB-24"

Bayyana game da wane banki ya fi kyau ya dauki rance, bashi yiwuwa a shafar "VTB-24". Hakika, a cikin ratings wannan kungiya ta na biyu.

"VTB 24" offers da yawa iri mabukaci rance. "Babba" - daga 400,000 zuwa 3 000 000 rubles, na tsawon watanni 37-60, tare da rabon 15.9-17.9% a kowace shekara. "Fast" - daga 100 tons na r. Har zuwa miliyan 3. Lokacin da ake bukata don saduwa, biya bashin, yana daga watanni 6 zuwa 36. Kuma na karshe shine "M" bashi. A kanta zaka iya ɗaukar adadin 100 rubles. Har zuwa 399,999 rubles. Term - daga 37 zuwa 60 watanni, rabon - 16.9 - 25%.

Ta hanyar, mutane da yawa, suna yin la'akari da wace banki shi ne mafi alhẽri ga ɗaukar jinginar gida, samun shawara don juya zuwa VTB-24. A cikin wannan ƙungiya yana da kyau sosai yanayi. Bari mu ce mutum yana so ya sayi ɗaki na daki mai daki na 4,000,000. Za a buƙaci taimako na farko na $ 1,200,000. Adadin mutanen da suke so su saya irin wannan gida yana da yawa a sama. "VTB-24" ya nuna a cikin wannan harka don bayar da jingina don shekaru 10. Idan mutum ya sami kimanin 65,000 rubles a wata, to, a gare shi kudi zai kasance kawai 11.4% a kowace shekara. Kuma kuna buƙatar biya kuzari 39,000 a kowace mita.

RosselkhozBank

Wannan ƙungiyar kudi tana cikin matsayi na uku a cikin ƙimar. Mutane da yawa, bayan sunyi cikakken bayani game da waccan bankin da ya fi dacewa don karɓar bashi, zaɓi zabi na Rosselkhoz. Wannan maganin ya fi dacewa ga wadanda suka shiga shirin "albashi" na wannan kungiyar. Don su, sha'awa a kan bashin mai amfani ba tare da tabbacin farawa a 15.5% kowace shekara. Idan mutum yana so ya dauki ruba dubu 750,000 (wannan shine adadi mafi girma) na watanni 36, tare da samun kudin shiga na wata na ruba 60,000, dole ne ya ba da 26,000 rubles / m kawai, a cikin kashi 16.9% a kowace shekara. Ba abin mamaki ba ne cewa mutane da yawa za su zabi Rosselkhoz idan suna da wata tambaya game da waccan bankin da ya fi dacewa don fitar da bashi.

Bugu da kari, akwai shawarwari masu amfani don jinginar gida. Domin gidaje a cikin Tsaritsyno LCD, alal misali, an ƙayyade tsawon shekara 7.5%. Bayan haka, akwai jinginar soja, kudade don sayen dukiya tare da goyon bayan gwamnati da sauran shawarwari. Za ka iya har tsara wani gida rance a kan biyu takardun! Sai kawai wannan dole ne ya bada taimako na farko na kashi 40%. Abinda mutum zai iya ba da shi nan da nan ya biya wannan adadin ya zama tabbaci na samun kudin shiga. Idan yana so, ka ce, ka ɗauki adadin kujeru dubu 1,000 domin watanni 36, to, a gare shi nauyin zai zama 14.4% a kowace shekara. Sai dai yawan kudin shiga na kowane wata ya zama rubles 60,000. Domin kowace kwanaki 30 za su bayar da 40 t R. A matsayin biyan kuɗi.

Alfa-Bank

A yawancin ƙididdiga, wanda a fili ya nuna inda bankin ya fi kyau ya dauki rancen kuɗi, wannan kungiya ta ƙunshi cikin uku. Yanayin suna da kyau. Matsakaicin adadin shine 2 000 000 rubles. Kalmar ita ce daga shekara guda zuwa shekaru biyar. Babu kwamitocin, kuma shari'un su na zaɓuɓɓuka ne, shekara-shekara na farawa a 13.99%, kuma an yanke shawarar akan ƙaddamarwa a yayin rana. Kuma watakila farkon biya, wanda za ka iya yarda a ko da ta waya.

Har ila yau, albashi na wannan ƙungiyar suna ba da kyauta mai kyau. Idan mutum yana so ya saya wani ɗaki a kasuwar sakandare, ana iya ba shi kuɗi don shekaru 5-25 tare da taimakon farko na 30% da kuma rijista tare da takarda daya kawai. Adadin zai zama kashi 17.3% kowace shekara. Idan kana so ka sayi gidan, dole ne ka biya kashi 40% cikin jimlar.

Gazprombank

Mutane da yawa sun tabbatar - yana da kyau a zabi zabi na wannan ƙungiyar, tun da batun ya tashi game da wace banki ya fi kyau ya dauki rance. Mutane da yawa suna kira shi daya daga cikin mafi kyau.

Idan kun sanya bashi don har zuwa shekara ɗaya, ragowar zai kasance 13% tare da tsaro da 14% - ba tare da shi ba. Kuna buƙatar aro don tsawon lokaci? Idan ya bambanta daga shekara zuwa shekaru uku, yawan shekara-shekara zai karu zuwa 13.5% tare da tsaro har zuwa 14.5%, idan babu babu. Kuma bashin don tsawon watanni 36 zuwa 60 zai biya 14% da 15% daidai da bi. By hanyar, ga abokan ciniki na Gazprombank rabon ne ƙananan by 0.5%.

OTP

Har ila yau, wannan ƙungiya ba ta kasance a ƙarshe ba a cikin ƙididdigar cibiyoyin kuɗi da aka kula. Bugu da ƙari, mutane da yawa suna ba da shawara, idan mutum yana da sha'awar abin da banki ya fi dacewa don ɗaukar rance mai amfani.

Ana ba da rance a cikin TNA a tsabar kuɗi kuma don kowane dalili. Yi la'akari da cewa mutum yana buƙatar aro 500,000 ton na r. Don tsawon watanni 24. Ana iya ba shi kyautar 14.9% a kowace shekara da kuma biyan kuɗi na 24 220.

Jinginar gida a OTP yana da amfani sosai, musamman ga abokan ciniki "masu". Yawancin lokaci shine shekaru 30. Ana haɓaka jingina tare da goyon baya na jihar daga 11.2%. A kan sabon gine-gine - daga 12%, da kuma a kan ƙauyen gidaje.

Ta hanyar, kamfanoni da dama suna aiki tare da TNA, lokacin da suke sayen su a cikin wuraren da za'a iya shirya tsarawa ko bashi. Wadannan su ne DNS, Svyaznoy, Evroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs da sauran wasu shahararren shahararren.

BinBank

Har ila yau, wannan cibiyar kasuwanci ne da aka sani. Mutane da yawa sukan shawarci su je wurin idan mutumin yana sha'awar abin da bankin ya fi kyau ya dauki rance.

Mafi yawan kuɗin yana da 100,000 ton na p, iyakar shi ne miliyan daya. Bayanai na iya bambanta daga watanni 24 zuwa 84. Farashin ya fara ne a 16.5%, kuma an yanke shawarar akan ƙaddamarwa cikin kwana uku.

Idan mutum ya kasance abokin ciniki na "BinBank", to, za su iya ba shi 1 000 000 rubles a 16.5% a kowace shekara, yayin da biyan kuɗi zai zama rubles dubu 26.

Za a iya ba da jinginar gida a nan. Yawancin shekara-shekara na 11.25%, wannan lokacin shine shekaru 5-25. Taimakon farko shine ya zama 15%. Adadin kuɗin kuɗin iyaka bai iyakance ba, amma akalla 600 t. (Moscow) da kuma rugu dubu 300. (Sauran yankuna). An yanke shawara a cikin kwanaki biyar. Ta hanya, har yanzu yana iya yiwuwar rage rage rance, adadin biyan kuɗi ko farkon biya.

Ugra

Wannan ƙungiyar kasuwanci ne mai haɗin gwiwa. Bayyana game da waccan bankin da ya fi dacewa ya dauki bashi (jerin sunayen, kamar yadda ya riga ya fahimta, yana da faɗi sosai), ba za mu iya kasa yin maganar "Ugra" ba. Yana da nau'i nau'i nau'in nau'i na mabukaci. Akwai "Aboki", "Don kowane dalili", "Loyal" da kuma "Ƙari". Mahimmancin wannan banki shine cewa babu yanayi a duniya, a nan, ga kowane abokin ciniki, ana zaɓi ɗayan ɗin ɗaya, daidai da sakamakonsa da kuma damar. Saboda haka don rajistar kana buƙatar cika aikin a gaba.

Haka kuma ya shafi jinginar gidaje. Amma akwai wasu matsayi. Taimakon farko shine ya zama kashi 20% na adadin. Kalmar jinginar gida yana daga uku zuwa talatin. Yawan kuɗin yana da kujeru 300,000, matsakaicin adadin ya kai 10,000,000 rubles.

Avtotorgbank

Har ila yau, ya kamata a lura da wannan kamfanin haɗin gwiwar da hankali, yana gaya wa wane bankin ya fi kyau ya dauki rance. Ƙididdiga ta nuna alamar sunayen kungiyoyin kudi. Game da Avtotorgbank, 'yan ji. Amma yana bayar da sharuɗɗa mai kyau don mota bashin.

Ƙungiyar ta ƙunshi abokan tarayya, ciki har da masu sana'a. Bankin ya shafi kudi don takardar mota a Euro, daloli da rubles. Mafi yawan kuɗin da ake amfani da su shine 300,000 rubles, matsakaicin adadi ya kai miliyan 5. Kalmar zai iya bambanta daga watanni 6 zuwa 60. Adadin farko zai zama akalla 20% na kudin na na'ura. Ba'a buƙatar jingina, kamar yadda ya zama abin hawa da za'a saya (zai zama dole don canja wurin abin hawa zuwa banki don ajiya).

Idan mutum ya ɗauki adadin kuɗin tsawon watanni 6 zuwa 12, to, shekara-shekara zai zama kashi 18%. Daga 13 zuwa 36 - 19%. Kuma daga 37 zuwa 60 - 19.5% daidai da haka. Mutane da yawa suna karɓar bashi a cikin Tarayyar Tarayyar Turai ko kuɗi, tun a kowane hali, ko da wane lokaci abokin ciniki zai zaɓa, rabon zai zama 15%. Amma a wannan yanayin, ma, akwai hadarin, kuma yana cikin kuɗin musayar maras faɗi.

Sovcombank

Ya kamata a lura da wannan kungiyar tare da hankali, yana gaya wa wane ɗayan bankin ya fi kyau ya dauki rance. Bayani game da shi sunfi tabbatacce. Bayan haka, Sovcombank ya ba da kyauta ga abokan ciniki. Duk da haka, sabis na wannan ƙungiya zai dace da mutanen da suke buƙatar ƙananan kuɗi. Don haka, alal misali, 100,000 rubles a cikin banki za a iya bayar da kashi 12% a kowace shekara. Bukatun ga masu bashi bashi: 'yan ƙasa na Rasha, shekarun shekaru 20 zuwa 85, aikin gwaninta na tsawon watanni hudu a wurin aiki na ƙarshe da kuma rijista na dindindin a yankin (har ma a kalla kwanaki 120).

Akwai lamuni na mai amfani "Standard" tare da iyakar adadin kujeru 200,000, "Superplus" (600,000 rubles.), "Pension", "Bayyana" har ma da kira mai kira "Ga wadanda ke da alhakin", da aka bayar lokacin da gabatar da fasfo da diploma na ilimi mafi girma .

Menene abokan ciniki suke fada?

A ƙarshe, za ku iya yin magana kadan game da irin wannan sake dubawa game da aikin bankunan da mutanen da suke amfani da su suka bar su.

Bayanai sun bambanta. Sa'ilin da aka ambata "Sberbank", alal misali, yana karɓar ra'ayoyin da ba daidai ba kuma mai kyau. Gaskiyar ita ce, wannan kungiya ta bukaci karfin daɗaɗɗa ga masu karbar bashi. Kuma kawai mutum wanda, saboda yawan kuɗin da ya samu, yana da wuya a yi amfani da bashi, zai iya samun bashi a wani abu mara kyau. Saboda haka, alal misali, a cikin bayanin sabis ɗin an bayyana cewa adadi mafi yawa shine 3 000 000 rubles (tare da tabbacin). Amma har ma da miliyan biyu da rabi zai iya ba da izinin watanni 60 kawai ga mutumin da ke da kwarewa a shekaru da dama da kuma albashi 150,000 rubles a wata. Amma wannan ba shi da amfani, kamar yadda shekara-shekara ta karu da kashi 14.9%, kuma yawan kuɗin da ake biya shine 1 130 000 rubles. Saboda haka farashin yana da rikici.

Don "VTB-24" abokan ciniki ke yin wasu da'awar. A dangane da farashin da ayyuka, duk abin da ke cikin bangaskiya mai kyau - kamar yadda a cikin bayanin, amma jiragen dogon lokaci. Ba za a iya yin amfani da aikace-aikacen ba daya ko ma makonni biyu ba. Saboda haka, idan an yanke shawarar daukar bashi a VTB-24, ya fi kyau a yi shi kafin. Haka gaskiya ne ga Rosselkhozbank. Kuma mafi kusantar samun bashi don yawancin kuɗi da kuma sha'awa mai yawa idan mutum yana da alƙawari a cikin nau'i mai tsada. Don haka mutane sun tabbatar cewa sun ba da bashi a Rosselkhozbank.

Kuma 'yan kalmomi game da bankin OTP. Wannan kungiyar, kamar yadda abokan ciniki suka ce, yana da tabbaci a kan ƙafafunsa da kuma jin daɗi tare da kudaden sha'awa. Duk da haka, mutanen da suka karbi bashi a kai a kai suna karɓar tunatarwa daga banki game da biya bashin. Wasu mutane ba sa son shi, amma an yi don kada mutane su manta - don saukakawa.

Gaba ɗaya, akwai bankunan da yawa a Rasha. Shawarwarin karɓar bashi yana da matukar muhimmanci da kuma alhaki. Don haka, don yin zaɓin zabi na wannan ko wannan kungiya kana buƙatar kawai tunani da kuma samun fahimtar yanayin da duk bankuna da aka bincika.