Refinancing loan Savings Bank, ukubolekisa imoto: ukubuyekezwa. Ingabe ngenza ku-abolekise ku Savings Bank?

loan ukucutshungulwa - kuyindlela elula ukuthenga impahla ongeke ukwazi ukuthenga ngesikhathi esisodwa, bese imali. Nokho, lokhu akwenzeki ngazo zonke umqondo omuhle. Ngokuvamile ukubolekisa eside siguqulelwa ebugqilini yangempela, ngoba lo muntu obolekayo ayikwazi ngibuyisele kubo. Kulokhu, notshani indoda ominzayo is refinancing Sberbank. Lokhu kwenziwa kanjani? Futhi ngaphansi kwaziphi izimo? Mayelana-ke bese ukhuluma ku.

Mfushane kuthiwa uboleka

Refinancing kuyinto loan entsha enikeza ikhono sokukhokha imali ebolekiwe ubudala. Kulokhu, loan odlule kumele zahlelwa kabusha ukuze isizumbulu, futhi kwelinye ibhange. Nakuba izinhlelo ezinjalo sonke credit izikhungo, basuke Savings Bank of Russia. Mayelana nendlela refinancing imisebenzi Savings Bank, uzokutshela ngaphezulu.

Hlelo refinance loans Sberbank

Kuleli qophelo ku Savings Bank, izinhlelo ezilandelayo ebolekwayo:

• refinancing ngemali yokwakha;
• umthengi wesikweletu refinance.

Hlobo luni isimiso refinancing ka mortgage loans?

Uma une-mortgage loan esikhulu nokukhathazeka kakhulu, kunengqondo ukukhetha refinancing imalimboleko Sberbank. Kulokhu, lo hlelo kuhloswe hhayi kuphela sokukhokhwa egcwele "ezibizayo" indlu, kodwa futhi ukuthola loan entsha ukuze kwakhiwe indlu noma ifulethi ngesicelo (inqobo uthola imvume ilungelo ubunikazi). Ngakho, iziphi izimo lokhu ngesikweletu?

Echaza izimo imalimboleko, siyakufa kancane kakhulu. Okokuqala, i-credit inikezwa lwemali kazwelonke futhi inani ruble hhayi ngaphansi kuka-300 000. Ngakwelinye ihlangothi, kakhulu ukuthi kungalindeleka, njengoba kuba isamba esingeqile ku-80% yezindleko isamba yokuhlala yesibili noma eyinhloko - isikhathi, futhi akukho kuka lemali esele ezikweletini yakho kwi loan odlule - amabili. By endleleni, kuyilapho sihlinzeka eseduze isamba loan futhi ingeqi 80% ukuhlolwa izazi '.

Okwesibili, refinancing kuhilela Sberbank ukuboleka ngaphandle Imali lukaKhisimusi Ukukhishwa iminyaka angu-30.

Yiziphi zenzalo ngoba mortgage refinancing?

Usayizi izinga ohlelweni mortgage refinancing ku Savings Bank incike okuhloswe isikhathi esiphezulu yokukhipha ukubolekisa, kanye ngisho ngabe ikhasimende kwabasebenzi we isikhungo sezezimali. Ngokwesibonelo, lapho esiyiminyaka abafika kwabangu-10, ubukhulu amazinga on loans for kwabasebenzi amaklayenti kuyoba 13,75%, kuze kube iminyaka engu-20 - 14%, futhi kuze 30 - 14,25% ngonyaka. Uma kwenzeka uma ungeyena client of Sberbank uphinde uhlele loan okokuqala lapha, zizwe ukhululekile ungeze ku okungenhla base izinga namanje at 0.5% ngonyaka.

Yiziphi izimfuneko mortgage?

Uma ufuna ukuthola refinancing ku Savings Bank, uzilungiselele ukunikela izibambiso. Njengoba kungenzeka ukunikeza ngomumo noma kuyakhiwa izindlu, okuyinto kwake kanye mortgage loan yakhishwa. Noma ongasinika ibheyili iyiphi ezinye izinto eziyigugu, esikhishwe lemali elilingana imalimboleko. Uma wayefisa, esikhundleni okokusebenza ukuqinisekisa unelungelo ukwenza idiphozi ruble okungenani 3 million.

Umshuwalense: kudingekile noma cha?

Lapho senza umsebenzi refinance loan ku Savings Bank alungele umshwalense ayimpoqo. Ikakhulukazi, wena kufanele ukuthathelwa umshuwalense mortgage impahla yakho ekulimaleni kungenzeka, ukulahlekelwa noma ukubhujiswa ngokuphelele yenhlekelele yemvelo. umshwalense Ithemu incike eside yesivumelwane sakho semalimboleko.

Kungenzeka yini ukuba refinancing ku Savings Bank, futhi ulenzela bani?

Refinancing ngoba abaseRussia kungenzeka, kodwa ngombandela wokuthi baphile ngokuvumelana nezimfuneko ebhange. Ziyini lezi zimiso? Ngokwesibonelo, ngesikhathi isicelo semalimboleko akufanele ibe ngaphansi kweminyaka engu-21 ubudala, kodwa hhayi abaneminyaka engaphezu kuka-75. Kumelwe futhi ube nakho semi yonyaka e umsebenzi wamanje kanye ubude ingqikithi edlule 5 - 1 unyaka.

Ngaphezu kwalokho, i-mortgage refinancing idinga ukuzibandakanya co-ababoleka okungenani ezintathu. Kungenzeka abantu yemvelo, kodwa amasentshana elihambisana ubukhulu esiphezulu ebhange. Omunye osebenza ababoleka womshado ungumakhelwane wakho osemthethweni noma umlingani angasebenza.

Yini imibhalo kudingeka ukubhaliswa?

Umbuzo oyinhloko, "kungakhathaliseki ukuthi uyokwazi yini ukwenza refinancing ku Savings Bank," sithi. "Yebo, Ungakwazi." Lapho izidingo sokuhambisana yasebhange futhi imiqulu elandelayo:

• passport;
• izitifiketi zokuzalwa Original kwezingane (uma ekhona);
• isitifiketi somshado Okwangempela (uma ilungu ke);
• passport futhi amaphepha abonisa ubuhlobo babo kuwe (izihlobo zakho zenza sengathi e indima co-ababoleka), njalo njalo. d.

Lolu uhlu jikelele kwemibhalo. Nokho, kungaba nhlobonhlobo kulekelelwa ngesinqumo ebhange.

Indlela imali ebolekiwe ku mortgage refinancing?

loan okunjalo isikhokhwe annuity nyangazonke (ngamanye amazwi, ilingana) isamba. ukubuyiswa kwemali Okwenziwe yezindlela ezilandelayo:

• emagatsheni yasebhange ibhokisi ihhovisi;
• e self-service ezikhumulweni;
• ATM;
• ngosizo yasebhange Inthanethi;
• okuvuthiwe ephathekayo.

Kungenzeka yini ukuba refinancing ukuboleka imali yokuthenga imoto kusuka Sberbank, sizoqhubeka.

Uhlelo umthengi obolekisayo

Ngaphezu mortgage, ababoleka abaningi bangase babe nezinkinga loans auto. Nazi nje refinancing imali enjalo singanikezwanga. Nokho, e-Savings Bank ngalezi zinhloso umphumela nezinye Uhlelo loan umthengi ngenhloso abolekise olwengeziwe. Yiziphi izici umkhiqizo yasebhange?

Isici esiyinhloko lolu hlelo wukuthi ingasetshenziswa ukuba abuyisele kuze loans ezinhlanu wamanje kusuka kwamanye ababolekisi. Ngokwesibonelo, kungase kube ukubolekisa umthengi, ukubolekisa auto kanye nezikweletu zamanje samanje overdraft noma ikhadi lesikweletu.

Ngaphezu kwalokho, lapho ngokuvumelana nezimfuneko asebhange, umboleki ngamunye unethuba siyolanda oyifunayo ngaphandle kokuthumela irekhodi umsebenzi kanye nesitifiketi engenayo. Ngaphezu kwalokho, lolu hlelo akusho khona imali ikhomishini Ukukhishwa isamba semalimboleko futhi ayidingi ukuhlinzekwa izibambiso.

Yiziphi imigomo loan uhlelo umthengi?

Faka isicelo lokhu loan zingenziwa inthanethi noma wavakashela omunye amagatsha ekhona kwenhlangano. Ubizwa ngokuvamile enikeziwe lwemali kazwelonke, igama elithi loan ubuncane izinyanga 3, esiphezulu - iminyaka 5. Ngakho-ke, inani kuvunyelwe kumele singeqi ruble 1 million, kanti futhi izinga base iqala ngo 17.5%.

Yiziphi izimfuneko ayeyiboleke refinance?

Ukuze lolu hlelo elinesimo sengqondo abakhethayo loans kuncike refinancing ku Savings Bank. Ngokwesibonelo, igama elithi samanje loan ngeke kube ezingaphansi kwezinyanga eziyisithupha futhi ngaphambi kokuphela ukuvuthwa yayo - hhayi esingaphansi kwezinyanga ezintathu. Ngaphezu kwalokho, i-credit yakho embi akufanele siphelelwe isikhathi. Kwaphela izinyanga okungenani eziyisithupha, kufanele abuyisele njalo-ke futhi kuvimbele ubuhlongandlebe.

Yiziphi izimfuneko ababoleka?

Ngokungafani uhlelo langaphambilini, lokhu loan zingathola abantu abaneminyaka engamashumi 21 kuya 65. Zonke ezinye izidingo, kufaka phakathi jikelele kanye zamanje lomsebenzi, ayafana yini. Futhi ngakho-ke usebenza refinancing Savings Bank. Izibuyekezo Customer kuzokusiza uthole umqondo jikelele mayelana nezinhlelo.

Yini abantu bathini mayelana Savings Bank of izinhlelo refinancing?

Ukuze uqonde nenzuzo kanjani uhlelo refinancing ku Savings Bank, phenya ukubuyekezwa. Ngokwesibonelo, ezinye izakhamuzi like mortgage refinancing, njengoba wabavumela ukuba asuse umthwalo credit engasimeme. Abanye bakholelwa izimo ezikhangayo kakhulu umthengi credit enombono refinancing okwengeziwe, njengoba zikuvumela ukuba bavala loans ezinkulu ezinhlanu. Okwesithathu onganelisekile ukuheha co-ababoleka. Eyesine njengengelosi eyamukelekayo senzalo kanye akukho ikhomishana.