Loan sokukhokha imali ebolekiwe nomunye yasebhange - Ingabe umdlalo kuwufanele ikhandlela?

kungenzeka Ngezinye solvency wekhasimende ehlaselwe izici ezihlukahlukene. Zingaba: ukushintsha umsebenzi, ukugula, ukuthutha, ngisho ubuvila abavamile kakhulu. Iningi lazo iyanyamalala ngemuva ambalwa isigwebo izinkokhelo, kodwa abanye akuzona lula ukudlula. Kulokhu, uzodinga athathe isikweletu sokukhokha imali ebolekiwe nomunye ebhange.

Uma ngokucophelela inqubomgomo weemali maqondana ukubolekisa, kungashiwo kushiwo ngokuqiniseka ukuthi bahlale bemi ngomumo ukuya ezivuna esinzulu enikeziwe nokuvuleka ngokuphelele ingxenye umboleki. Ngakho-ke kuvela hhayi ngenxa yothando ababolekisi kubantu, kodwa ngenxa yentshisekelo yabo siqu. Phela, noma yimuphi loans inkinga iba ngakho emva ukwephulwa lokuqala umbuso buyiselo futhi kudinga ukwabiwa inombolo enkulu reserve izimali, esithinta ngqo Iholo elingakanani we isikhungo sezezimali. Uma ungenalo athathe isikweletu sokukhokha imali ebolekiwe nomunye yasebhange, wayengase ukudlulela ezimbi. Kulokhu-ke kuyadingeka ukuheha abaqoqi futhi ukukhokhela amasevisi abo.

Indlela ukuhlela iholidi

Okokuqala, lo muntu obolekayo kufanele bazazi ukuthi imayelana ukuqala nezinkinga nge izinkokhelo. Ukuhlola izinga labo, angazisebenzisa ebhange usizo amasonto ambalwa ngaphambi ukuqala nezikhathi ezinzima. Lokho kufanele kube nesikhathi esanele ukuthola izixazululo kule nkinga. An ibhonasi wanezela kulokhu kuyoba asikho isidingo sokukhokhela inhlawulo izinkokhelo sekwephuzile noma ukwanda amazinga ukuhlukunyezwa elilodwa kuwo wonke amaphuzu nesivumelwano sokubolekwa. Ukubuyisela imali loan lomunye yasebhange ngosizo loan entsha ngeke ukuxazulula izinkinga eziyisisekelo iklayenti, kodwa yokukhululeka Uhlelo service izinyanga ezimbalwa - ngokuphelele. Ngokuvamile, ibhange inikeza ithuba ukukhokha umzimba loan isikhathi esithile uma ushintsho endaweni yomsebenzi umboleki. Kuvele Eqinisweni ezithakazelisayo wukuthi amabhange amaningi aseqalile zihlanganisa le ndlela ku-mortgage inkontileka yayo ejwayelekile.

Ezimweni ezimbi kakhulu, ibhange banganikeza amakhasimende ayo UKUHLEHLISWA ephelele izinkokhelo ekhiqizwa. Kulokhu, akufanele basheshe futhi athathe isikweletu sokukhokha imali ebolekiwe nomunye ebhange. Mhlawumbe, naselungiselelweni idatha oluphelele ngesimo sezimali sebhizinisi umboleki izonikeza ithuba izinyanga 3 ayenzi izinkokhelo ngaphandle izinhlawulo.

refinancing

Namuhla sibona izikhangiso kuyo yonke indawo isiphakamiso ku inhlangano "Tinkoff Bank". Ukubuyisela imali nezinye loans ngezithukuthuku imali sabo yiyo ithuba elihle kakhulu kubantu. Nokho, lokhu akunembile. Ukuze ukuxazulula izinkinga imalimboleko akufanele ngokungenisa isikhungo loan eyodwa zezimali sokukhokha imali ebolekiwe nomunye ebhange. Indlela ekahle kulesi simo ngeke ukubolekisa ngemali entsha nge izimo ezingcono nokuphila isikhathi eside. Kuncike ekutheni ingxenye enkulu yemali ebolekwayo isivele ukusikhokha, ibhange bayokujabulela ukuhlangabezana ikhasimende lakhe. Ngoba kulokhu uzophila imali eningi uzophule nasenkathazweni ukuqasha abaqoqi futhi isikhalazo enkantolo ukuthola ubunikazi into isibambiso.