Kanjani ukuze akhokhe isikweletu ngesikweletu loan? Ukuze athathe isikweletu ebhange. Ngingaba imali ebolekiwe ngaphambi kwesikhathi ebesibekiwe

kusukela epilweni yangamalanga yesimodeni kuyinto umjikelezo izimo zingaphazamisa kakhulu sihlelela kahle zime futhi zakhiwe. Inkinga okuvela kuyo noma yiziphi izinkinga zezimali ukuthi emashumini ambalwa eminyaka edlule, abantu yesimanje esetshenziswa ukuxazulula amabhange. Izakhamuzi Uvule kungenzeka ukuboleka imali yokuthenga ingcebo, izimoto, usule izinto zikagesi eziphezu, ifenisha kanye nezinye izimpahla okuyizinto ezidingekayo ukuze khona evamile. Ukubolekwa kwemali ehlinzekwe kanye ukuthengwa zokwakha, isinqumo zezinkinga ibhizinisi, ukwelashwa, ukuphumula, cwaningo, kanye nezinye izidingo. Ukuze athathe isikweletu ebhange kungaba njalo isakhamuzi onendlu ezinhle Umlando wokukhokha kwemali engenayo njalo. Ukuze uthole olunye uhlobo lwe-loan ngempela kalula ngenxa yokuthi kwamabhange kucatshangwa inqwaba izinhlelo loan, okuyinto njengoba Wand magic, ukusiza ukuxazulula izinkinga okusemgqeni. amakhasimende ebhange ngokuvamile musa noma ucabange ukuthi kungaba khona izimo, uma kwenzeka ukuthi izikweletu izimali abe nenkinga.

Okungase kuthinte kungenzeka ekwenzeni izinkokhelo ayimpoqo

Ubangela eziningi nobunzima. Lokhu kungafaka:

• nokulahlekelwa umsebenzi;
• isifo;
• ngena izinga lokushintshisana;
• ukufa kwelungu lomkhaya;
• omunye amalungu omndeni abahola ungasasebenzi;
• ukunganaki;
• okuvela nezinye izinkinga zokuphila, eyayikhanga ukulahlekelwa kwezimali.

izinkinga zingenzeka yokungakhokhi yokuboleka le mali

Yokungakhokhi lezinkokhelo ayimpoqo ngaphansi waphetha nesivumelwano sokubolekwa edonswa ukulandelana izinkinga ezengeziwe. Konke iqala call of the abasebenzi yasebhange, bese emzini okweletayo kuvela izinhlamvu isikhalazo kusukela ukuphathwa isikhungo yasebhange, ubusela, benzi inkonzo executive. Futhi, okubi nakakhulu, usongo livela amasevisi ekhethekile. Ukuqinela ababoleka abonakele isiba enye yezindlela ethandwa kakhulu izidingo kusho umsebenzi. Ngaphezu kwalokho, ukugqilazeka credit siphinde sihlinzekele nezinhlelo ezihlanganisa isigwebo ngenxa yokungakhokhi ezikweletini nasezinsizini yasebhange izinhlawulo, okuyizinto izikhathi eziningana ukwandisa isamba izikweletu. Enye yezindlela kulesi simo, ngokusho kongoti, kubhekwa Ukuboleka izimali ukukhokha lemali athathwe. Ukuze uthole impendulo yombuzo othi "kanjani ukuze akhokhe isikweletu ngesikweletu loan", kubalulekile ukuba ulidle nye thuthukile niningwane. Esikhathini umthetho yasebhange yigama libhekisela ulindele ukubuyiselwa yona iphelele kwezimali waboleka ngesisekelo loan entsha ebhange. Uma ubheka eqinisweni, kubalulekile ukuba athathe isikweletu ukuze asule omunye loan inqubo refinancing noma refinancing.

Izinzuzo esemqoka obolekisayo

1. Refinancing kusiza amaklayenti ongakhetha kuzo nezinkinga ugogekile zezimali, ukulungisa amaphutha enziwa ngaphambili.
2. Le ndlela buyiselo imalimboleko empeleni kwandisa isikhathi sokukhokha ngaphandle ukulahlekelwa ngokwezimali.
3. Refinancing ivumela umboleki kusho ukuthini kakhulu ukunciphisa inkokhelo yakho nyangazonke angadingeki nokukhokhwa isikweletu ebhange.
4. Uma ukujwayelana zonke izinhlelo loan amabhange kuleli zwe ngaphambi athathe isikweletu sokukhokha imali ebolekiwe, ungehlisa ngisho nenani elithé xaxa.
5. Refinancing ikuvumela ukuba ugweme ukuhlawuliswa futhi nenhlawulo ngenxa yokungakhokhi uthishanhloko.
6. Lolu khetho kusiza ukugwema ukukhokha izikweletu tinchubo, edinga isikhathi esiningi nezinzwa.
7. Ngaphambi ukukhokha off the loan credit, ungakhetha ebhange nemigomo ukuzenza athandeke.

Yini okufanele sinake isiphetho yesivumelwano refinancing

Ngaphambi ukukhokha off the loan credit, kubalulekile ukuba sihlole eyinhloko nesivumelwano sokubolekwa imali ngokucophelela. inqubomgomo Bank inikeza izinhlelo ezikhethekile anomthelela isikweletu ukubuyiswa kwemali ngezithukuthuku ukuboleka imali eyengeziwe. Ngokuvamile kungenzeka abolekise lelipelwe e inkontileka. Kwenzeka emva ethile isikhathi kuzodlula. Ngo ngamunye ibhange kwesikhathi ukuthi kufanele ngaphambi kokuba isiphelo sesimiso sivumelwano refinancing lihlukile. Ngokwesilinganiso, ubude bayo unezinyanga eziyisithupha, kodwa amanye ezahlukeneyo zingenzeka: izinyanga ezintathu noma unyaka. Abaholi lesikhungo yasebhange ngokwayo unesithakazelo yokuthi sokukhokhwa imali matasa wawenziwa, ngakho izimo Ikhredithi hlelo luhlinzeka ithuba kulabo abakweleta ebhange ukuze akwazi ukubhekana izinkokhelo esungulwe izikweletu ngokunciphisa inzalo loan oyinhloko umzimba, okwandisa kwesikhathi loan nezinye izinhlelo ezithembekile.

Kuyadingeka ukuba ngokucophelela kabusha funda inkontileka ngaphambi ukukhokha off the loan ngokushesha

Refinancing asifanele wonke nezivumelwano zezikweletu. Noma kunalokho ezinye zazo, le ndlela ka isikweletu ukubuyiswa kwemali asihlobene.

Kukhona ezinye izinhlelo amabhange, okuyinto ungavumeli ekuseni pay umzimba wesikweletu. Ngakho-ke, kumele ucacise lolu khetho ngaphambi kokungena imibhalo. Bankers baphikisa ngokuthi kukhona loan izinhlelo azihileli izinguquko esimisweni izinkokhelo ezikweletini. Ezimweni ezinjalo, refinancing inkontileka akwenzi mqondo. Ngaphezu kwalokho, kukhona amabhange, okunikeza ikhomishini buyiselo zakuqala imalimboleko, ngakho lezi zinto kufanele icaciswe. Ngo-2011, umthetho okwakwenqatshelwe ukusetshenziswa le ndlela ukushaja isithakazelo, kodwa namanje wathola njengoba omunye zemali kufihlwe.

Ngingaba lokuqala ngokukhokha iba loan futhi yiziphi izinzuzo buyiselo ekuseni?

ukubuyiswa kwemali Sakudala izikweletu kunezinzuzo eziningi. Okokuqala kumayelana isimo ngokwengqondo okweletayo. Lapho inani matasa unikezwa, umuntu ezizwa kakhudlwana futhi nenkululeko ethe xaxa. Uma sihlaziya izinzuzo ke senkokhelo ekuseni imalimboleko ngeke ngokuzenzakalelayo inciphise avelele amafa umboleki sika ngenxa ukwehla inani inzalo enqwabelene. Inzuzo ebalulekile isikweletu ukubuyiswa kwemali futhi eqinisweni abantu Imali eyongiwe ingasetshenziswa iyitshalwa ibhizinisi inzuzo hhayi akhokhe ebhange. ukubuyiswa kwemali Early imalimboleko ezimweni eziningi kuyazuzisa amakhasimende, kodwa ungelona izikhungo. Balahlekelwa yemali mboleko engakakhokhwa ku loan uma ukukhokhelwa ekuqaleni. Kuze 2011, amabhange amaningi ukwenza ikhomishini ehlukahlukene okumele zikhokhwe kanye nezinhlawulo esiningi izikweletu pre-paid. Manje umthetho lithuthukile imigomo uboleka imali ababoleka, kodwa kancane ekubuyiselweni isikhathi esiyizinyanga eziyisithupha, ngonyaka noma ubuncane izinyanga ezintathu ukuze ukubuyiswa kwemali ekuseni isasekhona. Cacisa isikhathi kokuvinjelwa lomfula kungaba isivumelwano abolekise namanje phambi lokukhulula ekuseni imalimboleko.

Refinancing imali umthengi

ukubolekisa Umthengi zithathwa isikhathi esingaphansi kakhulu kunenani elikhulu esikweletini, kodwa ngesikhathi esifanayo, lokho akusho ukuthi inzuzo kakhulu ibhajethi umndeni. Mhlawumbe wabona intela yemali loan, okuyinto ephansi kakhulu kunalokho ngezinye ibhange lakho, okungase isisusa refinance. ngokuvamile kuyancipha ngokuhamba kwesikhathi. Lokhu kungenziwa kubhekwe ezinye ingozi umboleki, owathatha isamba semalimboleko emigomeni ezingenawo la mathuba. Ngokwesibonelo, i-credit yakho ekhishwe "Privatbank". Indlela imali ebolekiwe kusengaphambili kule inhlangano yezimali, kubalulekile ukuba susa nesivumelwano sokubolekwa. Uma kungenzeka ukuba refinance at enezimo ezingcono, ukuze kuncishiswe zenzalo ngokwanele ukuba sikhiphe isethi ejwayelekile kwemibhalo. Uma unquma ukuthatha loan omusha kusuka kwelinye ibhange, uzodinga ukuqoqa imibhalo ezengeziwe.

refinancing ukubolekisa auto

Ngaphambi ngokushesha imali ebolekiwe ukuthenga imoto, udinga ukuqoqa iphakheji eyengeziwe kwemibhalo ezihlobene imoto loan. Lokhu iqoqo imibhalo kuye ngenjongo sesiphelo sesimiso isivumelwano refinancing. Uma uhlele loan ukuthenga enye imoto, inqubo yokubhalisa kudinga esivumelwaneni ukuthengiswa imoto kuqala endlwaneni eyakhiwe. Imali kuyoba inkokhelo yokuqala ngaphansi refinancing inkontileka. Kodwa noma kunjalo kubalulekile ukuphetha umshuwalense entsha, lapho umzuzi uzobe icaciswe ukuze kwelinye ibhange.

Athathe isikweletu yasebhange ukukhokhela izikweletu mortgage

Lolu hlobo abolekise ubhekwa inzima kakhulu ukuthi inqubo, idinga imibhalo okuhlobene impahla, ukuthengwa ngalo imalimboleko sathathwa, wenza izinkokhelo, ibhalansi umzimba imalimboleko kanye neminye imininingwane. Kuyadingeka ukuba isivumelwano umshuwalense entsha nge inkomba emisha yasebhange, ukwenza ukuhlolwa ingcebo okwamanje futhi ubhalise impahla. Phinda Ukukhishwa inkontileka entsha mortgage uyodonsela ezindlekweni ezengeziwe abalulekile, babeyovuswa walungisiswa ngaphansi kwezimo credit ezikahle, kuphela uma uma inani oluvelele mortgage umzimba omkhulu.

Imibhalo engeziwe nemibandela refinancing ezivela kwamanye amabhange amakhulu

Ngaphambi sikhokhele credit loan, waboleka imali kwelinye ibhange, udinga ukuqoqa imibhalo eyengeziwe ukubhaliswa yayo. Ngaphezu iphakethe indinganiso kucutshungulwa kuthengiselana kuzosiza ukuqoqa kudingekile agcwele isimo imalimboleko.

1. Ngaphambi lokuqala ngokukhokha iba loan ukuthengwa ingcebo noma imoto by Ukuboleka izimali kumele phambi ngemvume nesivumelwano sokubolekwa imali.
2. Udinga ukulungiselela kanye isikweletu ukubuyiswa kwemali schedule esikhombisa imali ye izinkokhelo zenyanga kudingeka.
3. Uma loan ekhona waphetha ezengeziwe sivumelwano (inkontileka ka-ejensi, mortgage), okwangempela lalezi zivumelwano kufanele banikezwe at ukubhalisa imalimboleko entsha.
4. Ibhange, okuyinto udinga imali, athole isitifiketi esele esikweletini.
5. Uma refinancing kuyoba nenani elikhulu (e lomfula kucacisiwe), uzodinga ikhomponethi ezengeziwe yesivumelwano isiqinisekiso okungenani oyedwa.