Yawan riba a bankuna, menene farashin riba a bankunan Rasha?

Siyan mota koyaushe lamari ne mai mahimmanci a rayuwa: yanzu zaku iya manta game da jigilar jama'a kuma ku saba da 'yancin motsi.

Bisa kididdigar da aka yi a shekarar 2012-2013, kusan rabin dukkan motocin mallakar masu zaman kansu an saya su ne bisa bashi.

Yanayin bai canza ba a cikin 2014, kuma ko da yake babu cikakken kididdiga na 2014 duk da haka, batun lamunin mota bai rasa mahimmanci ba.

Bankunan Rasha suna ba da, don sanya shi a hankali, ƙarin ko žasa yanayin jurewa, don haka mutane sun yanke shawarar ɗaukar lamuni kuma su biya wani adadin. Lalle ne, idan kun nemi lamunin mota mai daraja daga 500 dubu, to, a cikin adadin 12-15 bisa dari a kowace shekara, yawan kuɗin da aka biya na wannan lokacin zai zama kashi 36-45 - kimanin 5-6 dubu kowace wata. Tare da albashi na 25-50 dubu rubles, wannan ba haka ba ne.

Mun riga mun yi la'akari da yanayi a yawancin bankuna akan Vodi.su: Sberbank, Rosselkhozbank, Credit Home, VTB-24.

Yanzu zan so in kalli lamarin gaba daya.

Yawan riba akan lamunin mota a Rasha

Da farko dai, dole ne a ce har yanzu Rasha tana da nisa sosai daga Turai da Amurka, inda yawan kuɗin ruwa ya ragu sau 2-3 fiye da na bankunan da muke da su:

• Amurka - daga 3,88% a kowace shekara;
• Jamus - 4-5 a kowace shekara;
• Faransa 5-7 a kowace shekara;
• Portugal tana ɗaya daga cikin mafi ƙasƙanci na kashi 2,75-3 cikin ɗari.

Karanta irin waɗannan bayanan, ba da gangan ka shiga cikin ciki ba, ya zama cewa mafi arziki a duniya suna zaune a Rasha. Lallai, dangane da adadin oligarchs da attajirai, muna kan gaba da sauran. Amma menene dalilin irin wannan rashin daidaituwa? Bayan haka, matsakaita na Amurka ko Turai suna samun sau da yawa fiye da ɗan Rasha, me yasa suke da irin wannan ƙarancin kuɗi?

Amsar mai sauqi ce - rashin zaman lafiya. A cikin 2013, hauhawar farashin kayayyaki a Rasha ya kai kusan kashi 6%, yayin da a Turai ya tashi tsakanin 1,5-2%. Da irin wannan matakin na hauhawar farashin kayayyaki, bankunan kasa sun kafa adadin lamuni, wanda riba ba za ta iya kasancewa a kasa ba. A cikin EU, ƙimar rangwame shine kashi 0,75, a cikin Amurka - 0,25, da kyau, a Rasha - 8,25%, wato ba za ka samu lamunin mota da kudin ruwa na shekara kasa da 8 ba, ban da haka, bankin yana bukatar riba kuma suna kara kasadarsu, kashe kudi, kwamitocinsu, albashi da sauran su kan wadannan kashi takwas.

Hasashen da aka yi a halin yanzu ba su da kwarin gwiwa, hauhawar hauhawar farashin kayayyaki a Rasha tun farkon shekarar 2014 ya kai fiye da kashi bakwai cikin dari, wanda ke nuna karuwar kudaden ruwa kan lamuni. Ko da yake har yanzu akwai ra'ayi cewa a halin da ake ciki na hauhawar farashin kayayyaki, rangwamen kudin ruwa na Babban Bankin Rasha ya yi yawa.

Dangane da waɗannan bayanan, zamu iya tuntuɓar la'akari da yanayin lamuni a bankuna daban-daban:

• Sberbank - 13,5-16%;
• Gazprombank - 10,5-13,5;
• Alfa-Bank - 13,5-15,5;
• UralSib - 9-15;
• VTB-24 - 12,5-20,99;
• UniCreditBank - 11,5-19,5.

Jerin na iya ci gaba da ci gaba, amma hoton a bayyane yake - bankunan suna ƙoƙarin rage haɗarin su gaba ɗaya ta hanyar saita ƙimar riba ba ƙasa da ƙimar refinancing na Babban Bankin Rasha - 8,25%, kuma ƙari suna ɗaukar shiga. lissafin kudaden su.

Alkaluman da ke sama na iya yin ɗanɗano kaɗan, sama da ƙasa, mun bincika dalla-dalla akan Vodi.su sharuddan lamuni a wasu bankunan. Don haka, masu karbar fansho ko abokan ciniki na wani banki na iya karɓar lamuni ba akan 13,5% ba, amma kashi 0,5-1 ƙasa da ƙasa idan sun ajiye ajiya anan ko kuma suna karɓar albashi akan katin banki.

Hakanan ana la'akari da adadin kuɗin dindindin na dindindin, jimillar gogewa, dukiya, kasancewar masu garanti, da sauransu. Mafi kyawun zaɓi shine neman lamuni a babban banki, bayan cika dukkan sharuɗɗan, mafi mahimmancin wanda shine fara biyan kuɗi na 10-15 bisa dari, amma idan kun sami kashi 30 ko ma kashi 50, to wannan zai kasance. babbar ƙari kuma za ku iya ƙidaya akan mafi kyawun yanayi.

Hakanan akwai shirin lamunin mota na jiha akan mafi kyawun sharuddan. A cewarta, zaku iya:

• siyan motar da aka haɗa cikin gida;
• lokacin lamuni har zuwa shekaru uku;
• biya na farko - daga kashi 15;
• adadin yana daga kashi 8 zuwa 10;
• adadin lamuni - bai wuce 750 dubu ba.

Wasu masu kera motoci suna shiga yarjejeniyar haɗin gwiwa da bankuna kuma suna ba da nasu shirye-shiryen. Wannan tayin ya shafi motoci Skoda, Volkswagen, Seat, Opel, Audi, Chevrolet. Sharuɗɗan iri ɗaya ne, tare da bambancin kawai cewa lokacin lamuni na iya zama har zuwa shekaru biyar.

Mahimmancin wannan shirin shine kuna samun lamuni akan kashi 13-15 na yau da kullun, amma jihar tana ɗaukar kashi 3-5 kuma dole ne ku biya kashi 8-10. An fara wannan shirin a cikin 2012.

A cikin 2014, an yi wasu canje-canje: biyan kuɗi aƙalla kashi 30 cikin XNUMX, amma ana iya bayar da lamuni tare da takaddun guda biyu kawai. Ba duk bankunan sun sami damar zabar zaɓin ba, ƙari, an gabatar da wasu buƙatu ga masu ba da bashi:

• ingantaccen tarihin bashi;
• samun kudin shiga na dindindin.

Ba a bayar da irin wannan lamunin mota ga matan da ke da yara ‘yan kasa da watanni shida.

Daga dukkan abubuwan da ke sama, za a iya cimma matsaya masu zuwa:

• a Rasha, ɗaukar lamunin mota ba shi da riba sosai;
• jihar na kokarin daukaka martabar masu sana'a a cikin gida ta hanyar samar da yanayi mai kyau na kayayyakinsu;
• kuna buƙatar ku kusanci zaɓin banki a hankali, karanta kwangilar a hankali kuma kada ku yarda da yanayi mai wahala.

Ana lodawa…