"Agricultural Bank", le refinancing yemali ebolekwayo: izimo, inzalo engako, futhi Uhlelo yebhange

Ngokwezibalo, cishe zonke izakhamuzi zomphakathi zokusebenza wezwe yesibili kukhona sokubolekwayo. Futhi iningi lazo kungukuthi lokuphekiwe loan olulodwa. Efuna ukuthenga more Vending izimpahla, abantu baya ebhange, lapho isicelo sabo sokubhalisa loan surely ivunyelwe. Kulokhu, bayalibala ukuba banake amazinga ezihlongozwayo. Uyini umehluko, into esemqoka - ngokushesha baba umnikazi ezibizayo ifoni / imoto / ifulethi ...

Lapho kufika isikhathi sokukhokha wesikweletu izinkokhelo, isithombe kancane ichithekile ... Akekho ofuna ukukhokha isamba esikhulu njalo ngenyanga. Khona-ke ababoleka siqale sifune izindlela ukuxazulula le nkinga: umuntu ethengisa wokuthenga yakhe athandwayo, abanye banqume ukuba refinance. Lesi sakamuva Kuzoxoxwa. Noma kunalokho, ukuthi lokhu inqubo ebhange "Rosselkhozbank".

Refinancing ukubolekisa ezivela kwamanye amabhange amakhulu: incazelo isevisi

"Agricultural Bank" ukuze asize ababoleka washesha nezinye amabhange, ukuthengiswa uhlelo olufana nalolo, njengoba refinancing sokubolekwayo. essence yayo itholakala iqiniso ukuthi lo muntu obolekayo wenza loan entsha in the "Bank Agricultural" in inani onecala yezezimali. Uma uke kuthathwe ukubolekisa eziningana, bangakwazi ivalwe ngesikhathi esifanayo, uthole eyodwa loan "esikhulu" ukuze zale nkampani. Ngenxa ephansi inzalo engako, futhi obolekisayo, njalo okwesikhathi eside kakhulu ziyancipha ezingeni izinkokhelo zenyanga. Ngakho, kuba lula ukukhokha isikweletu ebhange "Russian Agricultural Bank"!

Refinancing ukubolekisa ezivela kwamanye amabhange amakhulu kuyatholakala lapha kuphela ukungabi khona isikweletu amakhasimende. Lokhu kungenxa yokuthi loan entsha uzisibekele kuphela umzimba omkhulu loan futhi isithakazelo kuwo, kodwa hhayi izinhlawulo kanye nokuhlawuliswa.

Izinqubomgomo refinancing

Uma wayefisa, uhlele loan refinancing "Rosselkhozbank" kufanele ugcwalise ifomu lesicelo bese ibhange balungise amaphepha adingekayo. Ngesikhathi esifanayo, ungakwazi ugcwalise isicelo futhi ngokusebenzisa ingosi engokomthetho ibhange "Rosselkhozbank". Refinancing imali umthengi izobe ababulawa isheshe. Lena Inthanethi eyanele / ikhompyutha siqu Ukufinyelela i-Inthanethi kanye isikhathi esincane.

Ukucutshungulwa kwezicelo refinancing loan ku "Agricultural Bank" abantu ngabanye kwenziwa zingakapheli izinsuku 3 ukusebenza. Ngemva kwalokho, ikhono umboleki bazokwaziswa ngesinqumo. Uma impendulo inguyebo - kuyodingeka ukwelekelela imibhalo ulahlekile "amaphepha." Okungukuthi, i akhiphe we etholakalayo credit izikweletu, yophenyo mayelana ukungabi izinkokhelo sekwephuzile futhi inkontileka kwi loan.

Imigomo

labo abangase babe abathengi ukubuka isikhungo credit kuyoba ezithakazelisayo futhi ewusizo ukwazi ngalokho imigomo enikeziwe refinancing "Rosselkhozbank". Imibandela zimi kanje:

• Inani loan entsha akukwazi ezingaphezu kuka isamba izikweletu kwamanye abakweletwayo ngalesi simo. Kulokhu, inani eliphezulu ngaphandle sokuvikela ruble 750,000, ngesofthiwe - ruble 1,000,000. A loan kuze kube sesigidi sama-ruble kungabuye esikhishwe ngaphandle kokunikezela kubahlanganyeli project iholo "Rosselkhozbank".
• Umkhawulo loan eside - eminyakeni 5.
• Software. Uma ku loan, okuyinto kukhonjelwe refinancing enikeziwe software, kanye "Bank Agricultural" kuzodinga okufanayo. In the ukungabikho izimo ezinjalo ebhange efanayo futhi isofthiwe ayidingekile. Uma kudingeka, i-software ingaba njengesihluthulelo isiqinisekiso abantu, abantu zomthetho noma yisibambiso impahla ketshezi.

Bank Agricultural usetha ngokwayo ngaphandle kweshumi amabhange ukuba ukhethe indlela yokukhokha nge umboleki wesikweletu izinkokhelo. Ngakho, lapho ungakhetha annuity (izinkokhelo zenyanga ilingane credit isikhathi) noma umehluko (lemali ikhokhwe ngenyanga kancane kokushintsha) uthayipha.

lenzalo

Izinga lenzalo yemali mboleko kunqunywa izingxenye eziningi. Ngakho kuqala kukho konke ukubaluleka kwayo inquma eside loan. Ngokwesibonelo, uma ufuna ukuthatha loan isikhathi esifishane (izinyanga 12), loan izobalwa kucatshangelwa inani lenzalo, ilingana 13.5% ngonyaka. Uma loan okufanele uthwebule isikhathi iminyaka 1-5 ke refinancing izinga Rosselkhozbank ngeke alingane 15% ngonyaka.

Kodwa kukhona uhlu ezithile izenzakalo angaholela sokukhuphula noma ukunciphisa ezingeni zenzalo. Amanye awo yilawa:

• 6% uma ukungavumelani umboleki / co-umboleki ukuthi ukuthathelwa umshuwalense ukuphila nempilo, noma esimweni sokungalandeli umthetho lesi sibopho yilezi abantu phakathi nayo yonke inkathi loan.
• 3% ku engekho imibhalo eqinisekisa ukusetshenziswa okubhekiswe izindlela ezengeziwe.
• -0,6% ngenxa "engxenyeni kahulumeni" kwabasebenzi amaklayenti, amaklayenti nge "white" Umlando wokukhokha kwemali "Rosselkhozbank".

Izimfuneko ababoleka

Njengengxenye sihloko kungafaneleka ukuba ukuhlobisa kanye nezidingo ababoleka lapha. Ngokwesibonelo, ukuba azame ukufanelekela refinance loan yakho can kuphela abantu abaphakathi kuka "Rosselkhozbank", sihlangabezana nalezi zidingo ezilandelayo:

• Ukuba khona yisakhamuzi Russian.
• ukubhalisa unomphela esifundeni ukwelashwa.
• Ubudala iklayenti kusuka eminyakeni 23 ngesikhathi sokubhaliswa isivumelwano sesikweletu futhi kuze kube iminyaka engu-65 ekupheleni ethemini loan.
• Sebenza isipiliyoni izinyanga 6 endaweni efanayo, isipiliyoni jikelele - 1 unyaka. Uma ibe Obolekayo ikhasimende kwabasebenzi ebhange "Russian Agricultural Bank", ubude obuncane yesevisi kuyehla kube izinyanga 3.
• creditworthiness of ikhasimende. Lapha ziyabhekelelwa yonke imithombo engenayo umboleki: iholo olusemthethweni, imali eyengeziwe, nezinzuzo zezenhlalo, impesheni nokunye. Uma inani ibhange ezihlongozwayo akwanele ke ukwandisa inani eliphezulu loan kungenziwa olunye ukuheha co-ababoleka. Njengoba isinyathelo indoda / inkosikazi ka-obolekayo, abazali bakhe noma izingane nezinye abantu abakulungele Uyabophezeleka ukukhokhelwa ngesikhathi esifanele imalimboleko.

Kuyaphawuleka ukuthi "Agricultural Bank" isilungele ngamasevisi refinancing, ngisho impesheni. Futhi uma wenza inkokhelo kwezimpesheni ku-akhawunti ovulekile "Agricultural Bank", bese ngaphansi izidingo nakho ngeke okhethwe.

uhlu kwemibhalo

Refinancing libhekelele isikhungo credit uvunyelwe phezu isethulo of ohlwini olulandelayo kwemibhalo:

• iphasiphothi Russian.
• Isitifiketi eqinisekisa khona imali ekahle ezinamathuba umboleki.
• Credit sivumelwano loan okufanele refinanced.
• Siza kusuka ebhange wangaphambili phezu isikweleti asele.
• Ngokunikeza yokuboleka le mali: imibhalo on the impahla eseduze futhi (noma) Imibhalo esuka yisiboniso / co-ababoleka.

Ezimweni ezingavamile, ibhange ilungelo ukuchibiyela uhlu kwemibhalo edingekayo.

izimo inkonzo

Ngokusho izimo inkonzo Bank Agricultural cishe akahlukile "izimbangi" yabo. Ngakho, ukuthola lapha refinancing, umboleki ngeke kudingeke futhi ukuba zenze izinkokhelo ezithile ngokuhambisana isheduli aqine. Uma wayefisa, bavunyelwe buyiselo zakuqala wesikweletu izikweletu. Ngenxa yezenzo ezinjalo ethula izimali ezengeziwe futhi amacala hhayi enikeziwe.

Lapho yokungakhokhi ngesikhathi ngenxa akhawunti lemali edingekayo umboleki ngeke alindele inhlawulo ka-0.1% isamba semali esele kanye isigwebo ilingana u-20% ngonyaka esele loan ukuqedela lokuvala loan. Endabeni ka ukwahluleka umboleki ngaphansi nesivumelwano sokubolekwa, iBhange ingase futhi inhlawulo elingana no-10 umholo ophansi kakhulu. Zonke izimpikiswano eziphakama ngaphansi kwalesi zizoxazululwa enkantolo.

Kuyaphawuleka ukuthi guarantors / co-umboleki futhi unesibopho sokuvalwa ngesikhathi esifanele imalimboleko. Ngakho-ke, uma kukhona isizathu umboleki iyeke ukukhokha izinkokhelo zenyanga loan, bese kuba umthwalo emahlombe we guarantors.

Refinancing abatshelekayo "Rosselkhozbank"

"Agricultural Bank" inikeza ngamasevisi yayo mortgage refinancing. Nokho, ukusizakala ke, kudingeka uhlangabezane nezimfuneko eziyisisekelo ezifana:

• yobudala Obolekayo ukuba neminyaka engu-65.
• Ngaphambi kokuphela kwenkontileka ngaphansi mortgage zamanje okungenani elinye 2 iminyaka.

Uma wayefisa, lolu hlelo futhi kuvunyelwe ukuheha co-ababoleka. Ubuningi beminyaka ngesikhathi kokuphela nesivumelwano sokubolekwa akumele leqe eminyakeni engu-60.

Kungakhathaliseki kukhona inzuzo?

Ingabe ngidinga namanje athathe isikweletu ebhange "Russian Agricultural Bank"? Refinancing abatshelekayo kwamanye amabhange kanye nezinye izinhlobo imali Bekungaba ngcono ukube lapha? Yini bonke Kuyafana ukuthatha? Phendula lo mbuzo kuzosiza izibalo kwangaphambilini senziwa wokubala ezihlongozwayo kuwebhusayithi esemthethweni ibhange "Rosselkhozbank". Uma isamba izinkokhelo zenyanga kungaba ephansi kakhulu, kubalulekile ukwenza kakhudlwana futhi ukuthola loan kangcono endaweni entsha. Nokho, akufanele sikhohlwe ngesikhathi esifanayo kanye nesidingo ukukhokhela umshuwalense wokuphila futhi impilo umboleki. Mhlawumbe loan entsha nge izindleko ezengeziwe kuyoba ezibizayo.