Refinancing imali umthengi. Refinancing imali umthengi sekwephuzile

Ezikhungweni eziningi zezimali zasekhaya, kukhona inkonzo ngokuthi "refinancing imali umthengi." Le nqubo ngokuvamile nobabili iklayenti kanye ebhange. Phela, ivumela umboleki ukuthuthukisa izimo inkonzo ezikweletini umbolekisi - ukuvimbela ophumayo kuthengiselana uyephuza. Ezinye amabhange ukuba refinance, abathengisa hhayi kuphela yabo siqu, kodwa futhi izimbangi zayo, ukuthatha kude nabo ukuze ingxenye iphothifoliyo.

Izizathu ezintathu esiyinhloko obolekisayo

Kuyinto ngokuyinhloko emalini ebolekwe ezinkulu, eyenzelwe eside. Lokhu indlu namakhadi mortgage loans ngaphansi imoto. Refinancing zabathengi loans amabhange ninikeza kwenziwe ezimweni lapho kungenzeka ukuthi zingaba inkinga. Khona-ke izikhungo zezimali basuse amakhasimende ukukhipha futhi uyavuma into entsha ne izinga ukunciphisa (uma kunokwenzeka) noma isandiso.

Uma sicabangela isimo kusukela iphuzu Ngenxa ikhasimende, lapho kufanele ucabange refinancing, lapho, ngemva kwesikhathi esithile kwathi udumo asakhelwanga phezu kwezimo ezimvunayo kakhulu. Paid ingxenye izikweletu zayo futhi afakazele solvency yayo umkhuba, umboleki inelungelo ukwethembeka ezithile.

Isizathu sesibili ukuthi ungasebenzisa "refinancing imali umthengi" - lokukhokha sikhulu kakhulu. Ngeshwa, ngezinye izikhathi iklayenti nje akusho ukubala amabutho, noma izimo ziyashintsha ngokuhamba kwesikhathi, ngeke ube umuntu ongcono. Futhi kuvela ukuthi izimo Ubonakala okuhle ngempela, kodwa loan umthwalo ngakho kumuntu ukuthi ubhekana ke ngokoqobo umzamo wokugcina. Khona-ke kunengqondo ukuvuselela deal kuze kudlule isikhathi eside noma ushintshe uhlelo lokukhokha, ukuba amabutho umboleki.

Isizathu sesithathu - isifiso sokuguqula yomuntu obolekisayo. Uma iklayenti isevisi kwelinye ibhange, uthola iholo, ukujabulela ezinye amasevisi kungenzeka ahlinzekwe lapho futhi refinancing imali umthengi. Ngokwemvelo, lokhu kusho imigomo yesivumelwano esisha akufanele kube kubi kunokwakuqala sangaphambilini, ngaphandle kwalokho inqubo uzolahlekelwa nencazelo yalo.

Kwezinye amabhange, le sevisi etholakalayo?

Refinancing ukubolekisa "izihambi", amabhange abaningi abahlangene. Ikakhulukazi le osebenza ku izikhungo ezinkulu letindzala ezifana Sberbank. Refinancing imali umthengi, abese unikele amaklayenti ayo ukuthi kukhona sisonqenqemeni solvency kanye ababoleka zangaphandle. Lesi sakamuva singabangela zenza into kuphela uma kungekho delinquencies zamanje.

VTB Bank refinancing lomthengi credit ezimbi zingenza nokuhlukileko. Lapha, + njengasosukwini lokungivivinya Savings Bank, Ayakujabulela ukudela imali ukuqinisekisa ukuthi iklayenti kungase kudingeke ukuvala ngenxa "izihambi" kuthengiselana.

Abaholi emkhakheni refinancing

Ngaphezu kwalezi izikhungo zezimali, inikeza esidlangalaleni ukukhipha ababoleka ongamazi refinancing imali umthengi, "Alfa-Bank". Isikhungo Positioning ngokwaso njengoba umholi kuleli imisebenzi asebenzayo of the isiqondiso futhi ivumela abantu ukuba balahle ukuthengiselana wabulawelwa imigomo okungekuhle ngu nomklamo omusha. Uma ukholelwa ukuthi ukukhangisa, ejensi ilungele refinance ngokoqobo noma yiziphi izikweletu kusukela izitolimende mortgage yokuqedela. Kodwa empeleni sisuke ikhuluma ngayo ngokuyinhloko umthengi credits kahle esikhulu. Umholi njengoba abatshelekayo evamile nezinye izinhlobo eside ukubolekisa collateralized.

Imigomo yesevisi

Ayevame ukuhlangabezana imikhiqizo efanayo wamanje ngesikhathi kuthengiselana. Ngokwesibonelo, ngo-Sberbank mortgage refinancing sipho isikhathi babengagwetshwa iminyaka engaze ibe ngu-20. Ngokufanayo, icala VTB futhi "Alfa-Bank". Izinga lenzalo yemali mboleko ku deal entsha kuzoncika lemali kanye ubuhlobo iklayenti. Ngakho, Sberbank linikeza izimo refinancing esihle abantu ibhizinisi ukukhonza lapha kumaphrojekthi iholo. Ngokwesilinganiso, ke zokhahlamba kusuka 14 kuya 16 ngonyaka lwemali kazwelonke.

I VTB iphesenti kancane ngaphezulu (17 pa), kodwa inqubo ukulinganiswa yokubhalisa ishesha. Zonke amarekhodi ishaya umholi kule ndawo - "Alfa-Bank". Unikeza ukuvuselela bengatshelekwa nje ngaphansi 12.2 ngonyaka.

Kukanjani refinancing imali umthengi?

Uma umuntu uzimisele ukufeza refinancing wezikwelede zalo, into yokuqala okumelwe ikwenze - kuyinto isicelo isikhungo lapho ihlela ukukhipha into entsha. Njengoba ojwayelekile, ukunikeza isitifiketi yomholo (izinyanga eziyisithupha noma unyaka, kuncike nezidingo ibhange) kanye iphasiphothi. Ngezinye izikhathi ababolekisi esizayo ucele idokhumenti esele esikweletini kanye nekhwalithi yesevisi ukuthengiselana. Ezinye zibuze lolu lwazi i-credit bureau.

Esigabeni esilandelayo, ibhange avumela ikhasimende ukubolekisa imali ukuze ukhokhele isikweletu ekhona futhi ememezela isinqumo salo. Uma kwenzeka kuba omuhle, lo muntu obolekayo uyaziswa mayelana okulindile idili ibhange lakho (ngaphandle kwemvume refinancing akunakwenzeka) futhi usayine inkontileka.

Imibhalo ekhishwe inqubo obolekisayo

Ngaphezu ifomu lesicelo, onikeza iklayenti at the stage of ukuxoxisana, qiniseka isivumelwano sesikweletu kuphothulwe. Ngokungafani ukuthengiselana ezivamile okukhipha imali ngeke imali ebolekiwe kwelinye ibhange. Ngokusho ngesicelo ayemkweleta angase ngaphezu kwalokho kwenziwe ngaphandle inkontileka umshwalense. Lokhu kusebenza kuphela ezimweni lapho kuthengiselana kuvikelwe ngesibopho esithile (ingcebo, izimoto, noma ezinye).

Abanye ababolekisi angadingi nokuvikeleka eseduze, okuyinto kwehlisa izindleko inqubo, ikakhulukazi uma kuziwa ukubolekisa imoto. Uma refinance kuthengiselana, esebenza njengesikhali eseduze impahla, futhi kuyodingeka renegotiate isivumelwano mortgage. It kuvame ukuhlotshaniswa izindleko ezengeziwe, ngoba esikhishwe ummeli olungisa izivumelwano.

Refinancing imali umthengi sekwephuzile

Uma okwenziwayo serviced ngokuhambisana nemigomo yesivumelwano ukuze refinance ngeke kube nzima. Kungenjalo izinto on loan kusukela ukwephulwa. Uma lo muntu obolekayo wenza ukubambezeleka kwelinye ibhange, kuyodingeka ukuthi kwenziwe yonke imizamo ukufakazela ikhono lazo akhokhe enye.

Ngakho refinancing kuthengiselana sekwephuzile akunakwenzeka (ngaphandle ingxenye kabusha ngaphakathi sikhungo efanayo kwezimali). Ibhange unesithakazelo izinga portfolio ayo loan. Ngakho-ke, kungaba ukuhlangabezana iklayenti futhi ukukhipha kwakhe into entsha ukuba abuyisele izikweletu sekwephuzile ekhona, kodwa isimo owanelisekile e solvency yayo. Ngakho refinancing inkinga ukubolekisa kungenzeka ngokomthetho, kodwa ngaphansi kwemibandela ethile (isibonelo, ukuqaliswa eziningana "ukulawula izinkokhelo" kule kuthengiselana yamanje).

Yini okufanele banake lo muntu obolekayo?

Ekunqumeni ku isidingo refinancing ngaphambi kokuqhubeka zibhujiswe ngokushesha, kufanele futhi ufunde inkontileka. Uma izimo zakhe ukuze ukubuyiswa kwemali ekuseni umboleki kumele bejeziselwa sina ebhange ke refinance, ungakwazi ngokushesha ukhohlwe. Ngemva ekhishwe deal entsha, ikhasimende kuyodingeka bakhokhe ngokuphelele off the zamanje. Lokhu kuzokwenza ukwandisa ngokuphawulekayo isikweleti, ukuze kuzuze okungabazekayo kakhulu.

Phakathi kwezinye izinto, udinga ufundisisa futhi isivumelwano esisha ukuba nemigomo yalo nemibandela kwakungafanele kwimboni azinzima kangako ngaphezulu. Uma Nokho, ngemva kokuhlaziya iklayenti uyaqonda ukuthi inzuzo, udinga ngokushesha ukuhambisa kusukela umcabango esenzweni.