Ngongole ku Germany

Ngongole ku Germany: Zabwino kudziwa

Ngongole ku Germany ndi makontrakitala omwe mumapeza ndalama tsopano ndikubweza pambuyo pake, pakapita nthawi kapena ndindalama. Kuti mulipire bungwe kapena munthu wopereka ndalamazo, nthawi zambiri mumabwezera kuposa momwe mumalandira. Malipirowa nthawi zambiri amakhala ndi chiwongola dzanja ndi ndalama zina pakapita nthawi.

Mwachidule, ngongole zimakupatsani mwayi wogwiritsa ntchito ndalama zomwe mukufuna tsopano ndikubweza mtsogolo.

Kusiyana pakati pa ngongole ya kirediti kadi ndi ngongole yakubanki

Nthawi zambiri, anthu sadziwa kusiyana pakati pa ngongole za ngongole ndi ngongole za kubanki - ngongole zomwe mumapeza kubanki posayina mgwirizano. Ngongole zonsezi ndi zofanana ndipo zonse zimagwira ntchito kubwereka ndalama zovomerezedwa ndi banki.

Kusiyana kwake ndikuti ndi makhadi a ngongole, ndalama zimachotsedwa ku akaunti yanu. Izi zikutanthauza kuti nthawi zambiri mumalowa muakaunti yanu yofiira yomwe idavomerezedwa ndi banki yanu, pomwe pangongole, ndiye kuti, ngongole, yomwe mumatenga kubanki, mumapeza ndalamazo ku akaunti yanu ndipo , kutengera cholinga, mutha kuchita chilichonse chomwe mukufuna nacho - muyenera kutero.

Nthawi zambiri, ngongole ku Germany kuchokera ku banki ndi njira yabwino ngati mukufuna ndalama zambiri chifukwa cha chiwongola dzanja chochepa kuposa ngongole za kirediti kadi, chifukwa ngongole za kirediti kadi ku Germany nthawi zambiri zimakhala ndi chiwongola dzanja chambiri, ndiye kuti, muyenera kulipira. bwezerani ndalama zambiri ngati mubwereka ndalama.

Momwe ngongole zimagwirira ntchito ku Germany

Mukafuna ndalama, mumapempha kubanki kapena wobwereketsa aliyense kuti akupatseni ndalama. Kuti muchite izi, nthawi zambiri mumatumiza pempho kapena "kufunsira" ngongole, ndipo wobwereketsa kapena banki amasankha kuvomereza kapena kusavomereza pempho lanu. Obwereketsa kapena banki amapanga chisankho malinga ndi zanu creditworthiness (SCHUFA) - kuwunika kwanu ngati mudzabweza ngongoleyo kapena ayi. 

Ngongole ku Germany, ndiye kuti, kuyenerera kwanu kubweza ngongole, zimatengera zinthu zingapo, zinthu ziwiri zofunika kukhala mbiri yanu yangongole ndi ndalama zomwe muli nazo kuti mubweze ngongoleyo. 

Momwe mungatengere ngongole kwa ogwira ntchito ku Germany

Pali njira zingapo zopezera ngongole kwa ogwira ntchito ku Germany. Titchula awiri otchuka kwambiri:

1. Kupita ku ofesi
2. Kugwiritsa ntchito ngongole pa intaneti

Kupita ku ofesi

Mabanki am'deralo ndi malo oyamba omwe anthu ambiri amawaganizira akamaganiza zotenga ngongole ku Germany. Inde, uku ndi kuganiza kwabwino chifukwa ngati ndinu kasitomala wakubanki, mukudziwa ntchito yawo ndipo izi zimapereka chitetezo m'mutu mwa munthu. Ndipotu, ndi ndalama.

Ngati mungalembetse pamenepo, mudzakumana maso ndi maso ndi wogwira ntchito zangongole, zokumana nazo zikhala zaumwini, ndipo wapolisiyo atha kukuyendetsani mosavuta. Poyerekeza ndi zosankha zina, mabanki nthawi zambiri amakhala ndi ziyeneretso zapamwamba zangongole kapena mikhalidwe yobwereketsa. Komabe, ngati ndinu kasitomala kale, banki ikhoza kufupikitsa zolemba zanu mukatenga ngongole ku Germany. 

Komabe, iyi ndi njira yophweka, chiwongoladzanja cha banki yakomweko nthawi zambiri chimakhala chokwera kwambiri. Tikukulangizani kuti mupite ku mabanki ena ndikuwona zomwe akukupatsani kuti mutha kukupatsani chopereka chabwino kwambiri kwa inu. Kupita kumabanki angapo ndikotopetsa ndipo kumatenga nthawi yambiri yamtengo wapatali, ndipo titha kupangira njira yabwinoko. Izi zimatifikitsa ku mwayi wachiwiri wotenga ngongole ku Germany, yomwe ndi ntchito yapaintaneti ya ngongole. 

Kufunsira pa intaneti kwa ngongole ku Germany

Ngati mukuganiza momwe mungapezere ngongole ku Germany, ngongole zapaintaneti ndi njira kwa inu. Iyi ndi njira ina yotchuka yopezera ngongole ku Germany. Masiku ano, mutha kupeza pafupifupi chilichonse pa intaneti, kuphatikiza kugula nyumba, kugula galimoto, kuyambitsa bizinesi, ngakhale kutenga ngongole pa intaneti.

Ngongole zapaintaneti zimakupatsani mwayi womaliza ntchito yofunsira ngongole pa intaneti, kuchokera panyumba yanu yabwino, kuyambira kuyerekeza mitengo mpaka kufunsira ndi kulandira ndalama. Nthawi zambiri mutha kutenga ngongole yanu ndikuwongolera akaunti yanu osapita kunthambi yakubanki. Ngongole zina zapaintaneti ku Germany zitha kuvomerezedwa mwachangu kotero kuti zimatengera nthawi yochepa kuti mupeze ngongole yapaintaneti kuposa momwe zimatengera kuyendetsa kunthambi yakubanki.

Monga momwe zilili ndi ndalama zilizonse, muyenera kuchita kafukufuku pakampani yomwe mumagwira nayo ntchito ndikuwonetsetsa kuti ngongole yanu ndiyabwino kwa inu.

Kodi tili ndi ngongole zanji ku Germany?

Tili ndi ngongole zingapo ku Germany, ndipo tilemba zina mwazo:

• Ngongole zapadera kapena ngongole zogwiritsa ntchito kwaulere;
• Ngongole zamagalimoto;
• Ngongole zomanga kapena kugula nyumba;
• Ngongole za reprogramming;
• Ngongole yamabizinesi.

Ngongole yachinsinsi ku Germany kapena ngongole yogwiritsira ntchito kwaulere

Ngongole yachinsinsi ku Germany ndi ngongole yogwiritsidwa ntchito ndi anthu payekha kuti agwiritse ntchito kwaulere. Ma credits awa sanasankhidwe ndipo mutha kuzigwiritsa ntchito pazifukwa zilizonse. Ngongole yachinsinsi ku Germany amagwiritsidwa ntchito nthawi zambiri zolipirira maulendo, zida zazikulu zapakhomo, mipando, maphunziro, ndi kukonzanso pang'ono kapena kugula galimoto.

Kuchuluka komwe kumavomerezedwa nthawi zambiri kumakhala mpaka € 60000. Ngati mukufuna kugula malo, nyumba kapena nyumba kunja kwa Germany ndiye kuti iyi ndi njira kwa inu. 

Ngongole yamagalimoto ku Germany

Ngongole yagalimoto kapena ngongole yagalimoto ndi ngongole yachidule yokhala ndi cholinga chomwe mungagwiritse ntchito pogulira galimoto (monga galimoto, njinga yamoto kapena nyumba yam'manja). Nthawi zambiri ngongole zamagalimoto ndi zotsika mtengo kuposa ngongole zachigawo zogwiritsira ntchito kwaulere (ngongole yachinsinsi). Chifukwa galimoto yokhala ndi ndalama imapereka chitetezo chowonjezera kwa wobwereketsa.

Ngongole yamagalimoto ku Germany ili ndi mwayi woti mutha kugula galimotoyo kuchokera kwa wogulitsa ndi malipiro a nthawi imodzi popanda magawo ndipo nthawi zambiri mumapezerapo mwayi pa kuchotsera ndalama (kuchepetsa mitengo mpaka 20%).

Ngongole zomanga kapena kugula nyumba ku Germany

Ngongole yomanga kapena kugula nyumba ndi mawu otakata ku Germany omwe amatanthauza ngongole yomwe imagwiritsidwa ntchito popanga ndalama, ndiko kuti, kugula nyumba, nyumba kapena malo ena, komanso kumanga kwake.

Tili ndi zinthu zingapo zofunika:

• Ndi ngongole yanyumba, mumalandira ngongole kubanki yanu yomwe mumalipira pang'onopang'ono (kuphatikiza chiwongola dzanja).
• Ngongole zogulitsa nyumba ku Germany zaperekedwa, kotero mutha kugwiritsa ntchito ngongoleyo pazolinga zomwe mwagwirizana.
• Mabanki nthawi zambiri amavomereza ngongole zomangira nyumba kapena kugula malo.
• Ngongole yobwereketsa nyumba itha kugwiritsidwanso ntchito popereka ndalama zotsatila kapena - mwapadera - pakukonzanso kapena kukonzanso.
• Powerengera, muyenera kuganizira makamaka chiwongola dzanja chanu, chiwongola dzanja chapachaka cha ngongole yobwereketsa ndi nthawi yake.

Ngongole zokonzanso ku Germany

Ngati mukuvutika kubweza ngongole zanu, kubwereketsanso ngongole kungakhale njira yabwino. Zimakuthandizani kuti muphatikize ngongole zanu zonse kukhala ngongole imodzi yokhala ndi malipiro otsika mtengo pamwezi, nthawi zambiri kwa nthawi yayitali.

Ngati mudatenga ngongole ndi chiwongola dzanja chambiri, mutha kuyesa kupeza chopereka ndi chiwongola dzanja chochepa mothandizidwa ndi portal yofananira ndi ngongole. Ngati mukwanitsa kupeza chopereka chotere, tengani ndalama zomwe munabwereka pa ngongole yakale, bwezerani ndikupitiriza kubweza ngongoleyo ndi chiwongoladzanja chochepa, zomwe zimapangitsa kuti pamapeto pake mubweze ndalama zochepa kuposa momwe mungabwezere. adabweza ngongole yakale. Ngati mukufuna kusinthanso ngongoleyo, mutha kupeza zomwe mungachite Pano.

Ngongole zamabizinesi ku Germany

Ngongole zamabizinesi ku Germany nthawi zambiri zimafunsidwa kuti mupeze ndalama kapena ndalama zomwe zingagwiritsidwe ntchito mubizinesi yanu. Ngongole yamabizinesi choncho, zimagwirizana mwachindunji ndi polojekiti yanu: ndizoyenera kugula katundu ndi zipangizo komanso kuthana ndi mavuto azachuma. Pndi ngongole yaumwini yomwe ili yoyenera kuyikapo ndalama kwa nthawi yayitali, mutha kugula makina, katundu wandalama kapena kuwerengera ndalama. Ndi za kuyambitsa kampani yatsopano ndikukulitsa.

Kodi ngongole ku Germany ndi yotani?

Ngongole ku Germany zimagwira ntchito mofanana ndi kwina kulikonse padziko lapansi: mumalandira ndalama kuchokera kwa wobwereketsa ndikuvomereza kubweza pamwezi. Wobwereketsa amapeza ndalama kuchokera ku dongosololi powonjezera chindapusa pangongole, zomwe zidzawonjezedwa pagawo lililonse lomwe mwabweza.

Nthawi zambiri, mtengowo umayimira chidaliro cha wobwereketsayo mwa inu, komanso kuwopsa komwe akutenga pakukukongozani ndalama. Mlingowo ndi wotsika kwambiri ngati zoopsa zili zochepa. Malipiro apano, udindo wa m’banja, zaka, mbiri ya umoyo, ndalama zimene wasunga, ma bond, masheya, umwini wa katundu ndi njira zina zopezera ndalama ndi zinthu zimene wobwereketsa amaziganizira.

Pali miyezo ingapo yomwe muyenera kukwaniritsa kuti mupeze ngongole ku Germany. Muyenera kukwaniritsa izi:

• Muyenera kukhala ku Germany.
• Muyenera kukhala ndi zaka zopitilira 18.
• Khalani okonzeka kupereka ndalama zokhazikika komanso zofunikira (malipilo atatu aposachedwa kwambiri a ogwira ntchito, mpaka zaka ziwiri zamasamba owerengera kwa odzipereka)
• Kuti muthe kupereka chigoli chabwino cha SCHUFA.

Kutengera dziko lanu, mutha kukhulupirira kuti kafukufukuyu ndi wovutirapo kapena wachizolowezi. Ndikofunika kuzindikira kuti anthu aku Germany sali okonda kwambiri ngongole, komanso alibe ngongole kwa ena.

Amadziwika kuti alibe nyumba, osagwiritsa ntchito makhadi a ngongole. Iwo ali ndi ngongole ku chiŵerengero cha ndalama zomwe zimasiyidwa ndi mayiko ambiri padziko lonse lapansi. Zotsatira zake, zikafika popereka ngongole ku Germany, obwereketsa amakhala osamala kwambiri.

Mutha kulembetsa ngongole nokha, kudzera pa imelo kapena pa fax. Mabanki ambiri amakulolani kuti mupereke fomu yanu pa intaneti. Pazifukwa izi, ndikofunikira kugwiritsa ntchito chowerengera ngongole chifukwa mutha kuwunika zotsatsa zosiyanasiyana ndikusankha banki yabwino kwambiri. Kenako mutha kutumiza fomu yanu pa intaneti kudzera patsamba lathu.

Kufunsira ngongole kwa ogwira ntchito ku Germany

Ngati mukufuna kubwereketsa kubanki, muyenera kulemba fomu yofunsira ngongole. Izi zimatumizidwa ku banki, zomwe zimatsimikizira ngati mukuyenerera ngongoleyo.

Izi nthawi zambiri zimaphatikizidwa mu fomu yofunsira ngongole ya ogwira ntchito ku Germany:

• Ndalama zonse zangongole
• Kutalika kwa ngongole yomwe mukufuna
• Zofunika zangongole
• Ngati ndi kotheka, konzekerani zoyambira
• kubweza ngongole
• Kulowetsa zambiri zanu (zamunthu, zachuma)

Tiyenera kutsindika kuti wobwereketsayo adzafunika kupereka zikalata zotsimikizira kuti ali ndi ngongole komanso momwe alili zachuma. Kuwerengera kwabwino kwangongole ndikofunikira makamaka pazandalama.

Mu mgwirizano wa ngongole, wobwereka amalandira fomu yodziyesa yekha. Mfundo zonse zomwe zaperekedwa mu fomu iyi ziyenera kutsimikiziridwa. Chifukwa chake, ndikofunikira kuti mupereke chidziwitso cholondola chokhudza inu nokha.

Kuphatikiza apo, wobwereketsa adzafunsa zambiri za SCHUFA kuti adziwe ngati wopemphayo ali woyenera kubweza ngongole. Zotsatira zake, yang'ananinso zolemba zanu za SCHUFA kuti muwonetsetse kuti ngongole zonse zam'mbuyomu zabwezedwa.

Mutha kulembetsa ngongole nokha, kudzera pa imelo kapena pa fax. Mabanki ambiri amakulolani kuti mupereke fomu yanu pa intaneti. Pazifukwa izi, ndikofunikira kugwiritsa ntchito chowerengera ngongole chifukwa mutha kuwunika zotsatsa zosiyanasiyana ndikusankha banki yabwino kwambiri. Mutha kutumiza fomu yanu pa intaneti kudzera pazosankha zomwe zaperekedwa pamwambapa.

Ngongole ku Germany kuchokera kwa obwereketsa wamba

Iyi ndi njira yatsopano pamsika, koma ndiyofunika kuiganizira. M'malo mwa banki imodzi yaikulu kukubwereketsani ndalama, gulu la anthu payekha limasonkhanitsa ndalama zawo. Chifukwa cha chiwongola dzanja, amatha kuwonjezera ndalama zawo mukalipira malipiro anu. Kubwereketsa anzawo ndi mawu omwe amagwiritsidwa ntchito pofotokoza kubwereketsa kwamtunduwu.

Ngongole ku Germany ndi nthawi yochepa kwambiri

Nthawi zambiri, ngongole zazifupi ku Germany ndi njira yomwe mungafune mutawononga ndalama zosayembekezereka, monga kulipira ndalama ku nyumba yobwereka ku Germany. Ngakhale kuti nthawi zambiri amalangizidwa kuti apeze chithandizo kwa abwenzi ndi achibale pazochitika zoterezi, pali zipata zingapo zomwe zingakuthandizeni ngati mukufuna ndalama zochepa mwamsanga.
Ngakhale kuti chiwongoladzanja chimakhala chokwera pang'ono kusiyana ndi ngongole za nthawi yaitali, malipiro amaperekedwa kamodzi pamwezi, zomwe zimachepetsa chiopsezo cha overdraft.

Ngongole ku Germany (Schufa ku Germany)

Ngongole zina ku Germany, posatengera mtundu wa ngongole, zimaganizira za kubweza kwanu, pomwe ena samatero.
Akatero, zimakomera anthu omwe ali ndi zigoli zolimba za SCHUFA chifukwa ndiye kuti chiwongola dzanja chimachepa. Izi zimatchedwa bonitätsabhängig (wodalira ngongole) kapena bonitätsunabhängig (wodalira ngongole).
Ngati muli ndi chiwerengero chochepa cha SCHUFA, ili ndi lingaliro lofunika kudziwa; yang'anani ngongole zomwe sizikuganizira izi.

Chifukwa chiyani mutenge ngongole ku Germany?

Pali zifukwa zingapo zomwe mungafune kubwereketsa ku Germany. Ntchito zanu zamoyo zidzasintha moyo wanu ngati mlendo akupita patsogolo. Zotsatira zake, mungafunike kubwereketsa kuti mugule nyumba, ngongole yogulira galimoto kapena ndalama zochepa kuti muzindikire lingaliro lanu labizinesi. Mulimonse momwe zingakhalire, kuyandikira funso lotopetsali ndizovuta, makamaka mabanki aku Germany akawonjezedwa!

Mabanki amafuna ubale wautali ndi makasitomala awo, zomwe zikutanthauza kuti akufuna kuti azikhala ku Germany kwa zaka zambiri. Germany imadziwika ndi malo ake okhazikika komanso tsogolo labwino. Izi zimawonjezera mwayi woti mutha kubweza ngongole yanu.

Zingakhale zovuta kwa ena a inu kuti mutenge ngongole ku Germany ngati mlendo chifukwa kubwera kwathu ku Germany kunayambitsa zovuta zomwe poyamba zinapweteka chigoli chathu cha SCHUFA. Zimatenga nthawi kuti tiyambirenso, ndipo pakali pano tingakhale tasiya ndalama zomwe sitinalipire.

Pansipa pali zina mwazifukwa zomwe muyenera kutenga ngongole

Wina angayang'ane ngongole ngati mukufuna ndalama posachedwa kuti mulipirire zowonongera, ndalama zosayembekezereka kapena china chake chomwe chimafunikira chisamaliro mwachangu. Mabungwe azachuma ambiri amapereka mafomu a pa intaneti omwe amakuthandizani kudziwa ngati mwavomerezedwa mumphindi zochepa. Kutengera ndi wobwereketsa wanu, mutha kupeza ndalama tsiku lomwelo kapena masiku angapo abizinesi.

Ngongoleyi ingagwiritsidwe ntchito kuphatikiza ngongole, makamaka ngongole za kirediti kadi. Ichinso ndi chimodzi mwa zifukwa zofala kwambiri zopezera ngongole. Ngongole zaumwini ku Germany zimakhala ndi chiwongola dzanja chochepa kuposa makhadi angongole, makamaka ngati muli ndi ngongole yabwino. Ngongole zabwino kwambiri ku Germany zili ndi chiwongola dzanja chotsika mpaka 2,5%, chomwe ndi chotsika kwambiri kuposa magawo awiri omwe amaperekedwa ndi makhadi ambiri angongole. Mutha kubwereketsa ngongole, kulipira ngongole yanu ya kirediti kadi, ndikulipira kamodzi pamwezi ku bungwe lanu latsopanolo.

Mwina simuyenera kulipira ndalama zilizonse zofunika ngati mukusamukira kufupi ndi komwe mukukhala. Komabe, ngati mukuchoka kutawuni, mungafunike ndalama zowonjezera kuti mulipirire mtengo wosuntha. Kuyenda mtunda wautali kumatanthauza kulipira zonyamula katundu, kulemba ganyu osuntha, ndi kutumiza katundu wanu kumalo atsopano.

Ngongole zapadera ku Germany zitha kugwiritsidwanso ntchito kuthandiza kupeza nyumba yatsopano. Ngati mutapeza nyumba, mwachitsanzo, mungafunike kulipira mwezi woyamba, mwezi watha ndi ndalama. Mungafunikenso ndalama zopangira nyumba yanu yatsopano.

Izi ndi zifukwa zonse zomwe ngongole ku Germany ingakhale njira yabwino kwa inu, ngati mukufuna ngongole ku Austria mutha kuyendera ATCcredit , ndipo ngati mukufuna ngongole kumayiko ena aku Europe, mutha kuyendera areainfinance.com