Kungenzeka yini ukuba refinance loan elinomlando omubi wokukweleta? Indlela refinance ngomlando omubi wokukweleta?

Ukwenza loan "omkhulu futhi kuyabiza", ababoleka abaningi musa ngisho baphakamise ukuthi ungalindela isiphetho-non-payers. Kodwa isikhathi sihamba, futhi esikhathini esithile zibhekene nezinkinga zemali. Credit umlando spoilt ngokuphelele, kanye nezikweletu eqala ukukhula njengomuntu Snowball. Kulokhu, ukhetho ekahle kungaba refinance loan nomlando omubi wokukweleta. Kuyini lokhu inkonzo? Futhi-ke ingabe uthole ngabomvu defaulters?

Ingabe engeyinhle Ukubuyekeza umlando wakho wokuthenga ngesikweleti, ku isinqumo yebhange?

Akusiwona imfihlo enkulu yokuthi kukhona Ukungathembani phezu ingxenye uboleka izikhungo amakhasimende abo amasha noma izakhamuzi alithembekile. Ikakhulukazi, sikhuluma mayelana ababoleka, ngubani ngasizathu simbe wajeziswa Umlando wokukhokha kwemali. Lokho kungase kube itshe lokugcina kulesi silinganiso, okuyoholela a preponderance akuyona esivuna nakwabangenangqondo. Noma kunjalo, ababoleka nge idumela elibi ithuba refinance ngomlando omubi wokukweleta. Kungenzeka kanjani lokhu?

Kanjani loan refinancing?

Okokuqala, kufanele kusho ukuthi refinancing iyisevisi ethile yasebhange eyenza ababoleka ukuguqula yasekuqaleni loan imigomo ukuze zihambelane nabo. Yiqiniso, lokhu akusho ukuthi ubhala sikweletu. Nokho, sibonga le sevisi kusuka defaulters banethuba omkhulu ukuthola sokubuyekezwa nesivumelwano sokubolekwa. Uqondeni?

Ngamagama alula, umboleki kuziwa isikhungo abolekise bese ucela ukuba akhiphe refinancing loan. Yiqiniso, ngenxa yalokho kumelwe kube nesizathu esizwakalayo kakhulu futhi ubufakazi. Ngokwesibonelo, ngenxa ingozi noma inhlekelele engokwemvelo, walahlekelwa impahla yakhe kuphela. Waxoshwa emsebenzini, yena walimala kakhulu emsebenzini, yena waxoshwa, njll

Ezimweni ezinjalo, ibhange lucwaningo refinance isikweletu umlando omubi wokukweleta. okungukuthi awubonisa loan futhi ngaleyo ndlela kunciphisa inani inkokhelo yanyanga zonke ukuze kulingane namakhono zezimali iklayenti yamanje.

Refinancing futhi eyenziwa kwamanye amabhange, izikhungo zemali ngaphandle yomuntu obolekisayo. Lezi zinhlelo kuhloswe ngazo ekuheheni futhi, ngamazwi alula singathi, 'ngezinhlamvu zezibhamu zokuzingela' amakhasimende encintisana. Sokubolekwayo ezifana ziphathwa ngokuthi "phansi-ukuxubana credits" (iqoqo umthengi ukubolekisa amaningi, imali ukubolekisa, amakhadi esikweletu) kanye loans ezinkulu (mortgages and loans imoto). Ngalolo efanayo unaka amabhange ukwenza uma refinancing loan ne Umlando wokukhokha kwemali okubi futhi noma yisiphi sazo ungathola le sevisi?

Yikuphi amabhange zinesimiso refinancing?

izinhlelo refinancing usebenze amabhange amaningi aseRussia. Ziyakwazi nezinhlangano ezifana:

• Sberbank Russia (ngemali yokwakha kanye loans umthengi refinancing);
• VTB24 (refinancing ukubolekisa imali, amakhadi okuthenga ngesikweletu, ukubolekisa imoto futhi imali loans);
• "Rossselhozbank" (loans umthengi);
• "Alfa-Bank" (mortgage), kanye nabanye.

"Ngitshele lapho uthathe khona udumo, futhi ngizokutshela ukuthi ungubani"

Okokuqala, yini okumelwe siyibheke ebhange, isikhungo credit kungaba lapho umkweleti wathatha udumo. Phela, idumela akuyona ababoleka kuphela, kodwa futhi ezikhungweni zezimali. Futhi uma ngikhuluma iqiniso, ezinye amabhange has emihle nehlala njalo ewela kungathembeki. Ngaphezu kwalokho, imbangela obonakele credit umlando umboleki kungenzeka banal iphutha umphathi webhange, ngephutha yaphambanisa amagama, njll

Fakazela real, uma lo muntu obolekayo kuyinto 100% ukuthi ubumsulwa bakhe. Kuze kube yimanje, ngaphambi kokufaka isicelo ukuze refinance loan elinomlando omubi wokukweleta, kumelwe uxhumane TSBKI credit bureau noma endaweni (uma wazi IQ yakho libhekisela ikhona). Futhi-ke, ukwazi umbolekisi konakalisa indaba yakho, singabonisa ukuthi akanacala enkantolo. Kamuva, nge sinqumo kanye nobufakazi idumela layo, kuphephile isicelo Bank.

Kunjalo ngokukhwabanisa nge-credit, isibonelo, uma uba yisisulu, ngikhiphé loan egameni lakho.

Inani, isikhathi kanye izimbangela ngongakwazi ukukhokha izikweletu

Ngaphambi kokuba nginixoxele le mayelana nendlela refinance loan ngomlando omubi wokukweleta, ibhange ngokuqinisekile zama ukuthola imbangela yokungakhokhi kwakho. Ikakhulukazi abamele izinhlangano zezimali kufanele abe nesithakazelo la maphuzu alandelayo:

• lemali lapho kungayi lubuyayo,
• ukuvama yokungakhokhi (indlela njalo zingabantu);
• Uyini eside ezikweletini yakho (izikhala zosuku, inyanga, izinyanga ezimbili, ngonyaka);
• isikhathi esingakanani inkokhelo (inyanga noma ezimbili, njll) ibambezelekile.

Ngokuvamile, inani elincane izikweletu (futhi yesikhathi esisodwa-non-izinkokhelo) akubulali, ngakho-ke kunjalo ababoleka zingalindela refinance ngomlando omubi wokukweleta. Kodwa kuthiwani uma namanje usubakhiphile "uhlu black" dodgers futhi benqaba refinance?

Izinketho ukuxazulula inkinga nge loans "ezibizayo"

Uma wenqaba emabhange eziningana, ukukhumbula alithembekile yakho, musa afafaze umlotha ekhanda. Kunezinye izindlela eziningi. Ngokwesibonelo, ungahlala Ungafuni amabhange enkulu futhi elincane. Okokuqala, njengoba umthetho, abanalo ukushoda amakhasimende, ngakho nabo bangase sibandlulule non-payers. Small njengoba credit izikhungo (isibonelo, "Tempbank") lwa amaklayenti ngamunye, futhi ngenxa yalokho, abaqotho xaxa non-payers.

Ngaphezu kwalokho, uma ungazazi lezi zilimi, ukwenza refinancing loan nomlando omubi wokukweleta ebhange, ungahlala ukusebenzisa izikhungo ze-non-ebhange. Kungaba MFIs. Futhi siqotho amakhasimende, kodwa nababamele akuvamile ukunikeza esiningi counter kuqala.

Lapho ukwelashwa kokuqala ungathola mayelana 4 000-10 000. Uma isikweletu phindisela ngesikhathi, isamba semalimboleko izokwenyuka. The best ukuthi kungalindeleka ku MFI - ruble ayizigidi ezingu 1-2. Ngokungafani amabhange nezikhungo microfinance ukubolekisa ngemali isikhathi esifushane, futhi iphesenti ukusetshenziswa imali enjalo iphezulu kakhulu.

Uma usunqumile ukuthi yini kwaba ukukhipha ukuze refinance ebhange ke njengoba ezokuphepha unganikeza eseduze ukuthi linokwethenjelwa. Kungenjalo, ungase ufune amasevisi ibheyili.

Kafushane, ukuthola ikhambi lenkinga, uma kunesidingo, kungaba. Kwakuyoba ufisa.