Refinancing nokuthathelwa: Amabhange. Refinancing bengatshelekwa ku "Savings Bank": Izibuyekezo

Ukwandisa isithakazelo ngebhange imikhiqizo credit liyancedisana ababoleka ukufuna amabhidi ancintisanayo. Ngalesi refinancing bengatshelekwa ngokubaluleka kuthandwa. Kodwa ngaphambi kokuvuma ukuba isiphakamiso ezinjalo, kubalulekile ukuthola, kanye kungakhathaliseki ukuthi kuzuzisa ngempela?

Izizathu Refinancing

Refinancing bengatshelekwa kuyinto imvume komunye loan nemigomo okungcono nemibandela, injongo okuyinto ukuvala loan ekhona izindlu. isinyathelo esinjalo isixazululekile ngokubonga yibo abakholwayo iziphakamiso ezinye amabhange kwalokho inzuzo bona ubhalisele ke.

Uma ngaphambilini eyakhishwa mortgage loans at 13% ngonyaka, kodwa manje amabhange kakhulu ukunikela inkonzo efanayo kakade 10-11%. Ngokwemvelo, a mortgage ezinjalo kuyoba eshibhile. Ngakho-ke, ababoleka sebeqala ukucinga izikhungo ezinengqondo zezimali ukuthi uzokwazi refinance kubo. Kusukela amabhange kukhona ekujaheni kabusha ukubolekisa ekhona, ukufuna izindlela ka refinancing ube isinqumo esinengqondo futhi zilungile.

Banikezwe isikhathi, okuyinto zikhishwa isikweleti sendlu, refinancing bengatshelekwa elusizo kakhulu. Ukukala usike ngisho ambalwa amaphesenti kuzosiza kulokhu, Ukonga okukhulu. Uma umehluko amaphesenti incane, akukuhle perekreditovyvatsya. Phela, refinancing kuzodinga a mortgage nomunye yasebhange yonke imiphumela yaso: yokubhaliswa umshwalense, ukukhokha zonke izindleko edingekayo futhi wemisebenzi. Futhi akumelwe sikhohlwe kangakanani uzobe wachitha amandla nesikhathi.

NeMibandela refinancing

Ukunikeza amakhasimende ethu refinancing bengatshelekwa bengayi zonke amabhange. Lo mnikelo osebenza ku ephezulu, Ngakho-ke, i-Ukukhishwa ukubolekisa ezinjalo kudingeka reserve eyengeziwe futhi balolonge ke amandla akuyona ayemkweleta ngamunye.

Naphezu kweqiniso lokuthi isimo sezimali umboleki ihlolwe ekuklanyweni loan kwezezindlu, refinancing bengatshelekwa nomunye yasebhange kuzodinga kabusha luhlolo.

Izimfuneko refinancing

Njenganoma iyiphi loan, kuyilapho uboleka Umlando wokukhokha kwemali kubalulekile. Ngaphezu iphakethe ejwayelekile kwemibhalo adingekayo Isicelo sokubhalisa loan, ibhange azodinga inkontileka mortgage evumelekile kanye nophenyo mayelana ukungabi khona ekugcwalisekeni sekwephuzile futhi eqotho izibopho phezu loan. Futhi uzodinga imvume ebhaliwe ayemkweleta zamanje ukuba senkokhelo yokuqala yaleli mortgage.

izidingo Client

Lamanje mortgage loan kufanele ikhishwe hhayi ngaphansi kuka 1 unyaka edlule futhi ngesikhathi ukusetshenziswa isikweleti sendlu akufanele bavunyelwe izinkokhelo sekwephuzile. Uma sicabangela refinancing ka mortgage ku Savings Bank, kungase kuqashelwe imigomo ekhangayo. Nawa ukubala nje refinancing can payers ezisekelwe kunembeza kuphela.

Izindlela ezahlukene obolekisayo

Njengoba kunjalo nge loans yasekuqaleni ezezindlu, ukuhlela refinancing a mortgage, amabhange adinga eseduze, esebenza njengesikhali impahla kuluthola. Ngenxa yalesi sizathu, iklayenti kuzodingeka ukuba unikeze amadokhumenti ukuqinisekisa isimo sakhe sezimali nesokuphela kwalesi ukuzihlola, ku izindleko izindlu.

Kusukela ebhange elikhiphe mortgage lokho kuzodinga imvume esisemthethweni lapho ebhalela sokuvalwa phambili boleko schedule. Owayebolekisile, ingenzele refinancing liyadingeka ukuze uthumele imali ku-akhawunti edingekayo yasebhange, okusho uma wamukela Kuvalwa loan futhi kususa ukulondeka okutholakala ngokuba indawo yokuhlala.

Isikhathi esifushane lapho indoda isikhungo credit esuswa yisibambiso impahla, kanye nezinye akuyona ozibekile, ikhasimende kuyodingeka bakhokhe ngaphezulu inzalo loan. isilinganiso esinjalo uhlobo lomshuwalense zokuthi ibhange refinancing. Ngemva kwawo wonke amanye nokuvikeleka loan okwamanje. Kepha njengoba masinyane njengoba ukubhaliswa isibambiso, ukuqala eqhuba esincishisiwe senzalo.

iziphakamiso Okungase kube mortgage obolekisayo

Labo abanquma refinance mortgage, kuyasiza ukufunda pre-iziphakamiso amabhange eziningana. Zingase zihluke ngu nemingcele ezilandelayo:

• zenzalo;
• ngemigomo yekhredithi;
• inani sokubolekwayo.

Kukhona isimo ezingeguquleke eyodwa kuphela ukuthi wafaka yonke abakweletwayo ngalesi simo. Kumayelana inhloso loan, okuyinto wathumela kuphela senkokhelo egcwele a mortgage nomunye ebhange. Futhi ngezinye izikhathi zimali zibekelwe kuphela ukubuyiswa kwemali uthishanhloko kanye inzalo kanye nezinye izinkokhelo saziso ukuze lo muntu obolekayo uzodinga ukukhokhela eceleni.

Enye refinancing akuhileli nje kuphela ukukhokha of uthishanhloko, kodwa ukukhokha inzalo kanye nezinye izinkokhelo loan. Ngaphansi ngokuvamile credit ekhishwe idlula inani izinkokhelo samanje mortgage sivumelwano. Kulokhu, iklayenti unelungelo ukusebenzisa izimali ezisele akuthandayo.

Umehluko yamazinga

Mortgage loan kuhilela esiningi izikweletu, ngakho ngaphambi kokuba ukhethe ebhange, kudingeka uhlole ngokucophelela zonke iziphakamiso futhi abaziniki isikhathi ukuzuza izibalo.

Kunikezelwe amabhange ukubolekisa kungenziwa kokubili fixed kanye amazinga elintantayo. Ngisho negama lalo kucace ukuthi owokuqala uhlala ingashintshiwe phakathi naso sonke isikhathi loan. Kuyinto elula kakhulu futhi ikuvumela ukuba pre-uhlelo nezindleko.

Izinga Floating has izingxenye ezimbili: fixed kanye variable. Omunye izohlala injalo, kanye nezinye kuxhomeke ezicini wangaphandle, okuzokwenza icaciswe inkontileka. Ukuze ruble mortgage kuthathwe Balisisa izinga elintantayo usebenzisa inkomba Mosprime, ngenxa okuyinto ukuhlukahluka singenzeka nsukuzonke.

Kanye amazinga yasebhange, kukhona isilinganiso refinancing esabekwa Central Bank. Lena ithuluzi main ukulawula isithakazelo credit ukuthi usetshenziswa Central Bank of uboleka amabhange. Lokhu kulinganisela uyashintsha, kodwa hhayi ngaphezulu kuka-1 isikhathi ngonyaka.

lwemali abatshelekayo

Lwemali mortgage refinancing kuvamise kungabi inzuzo. Credit e zakwamanye amanothi angase abonakale ekhanga ngesikhathi sokubhalisa, kodwa emakethe lwemali ingahlalisekanga, futhi isimo angase kakhulu nganoma yisiphi isikhathi. Kulokhu, inkokhelo kuyokhula.

Kwezinye izimo, amabhange uyavumelana ukushintsha lwemali ebolekiwe, kuyakufika phezu kwalesi akupheleli lapho. Yebo, futhi lapha konke kuzoncika umboleki ethile.

izinhlobo refinancing

Ukushintsha loan eyodwa kuya kwenye, futhi ungakwazi ukushintsha izimo zalo eziyisisekelo. Ngokwesibonelo, ukunciphisa noma ukwandisa isikhathi mortgage, ukuba esikhundleni lwemali loan, ephansi inani lenzalo noma inciphise izinkokhelo zenyanga.

Inketho yokugcina iyona evumayo okungenani, kusukela ekunciphiseni izinkokhelo ayimpoqo anda mortgage eside, futhi ngenxa yalokho, inani ngokweqile ku loan.

izipesheli amabhange

Okuzuzisa kakhulu iyona refinancing ka mortgage Sberbank. Izibuyekezo Customer ngalokhu inhlangano ikakhulukazi omuhle. Refinancing Ngokuphathelene lonke ingxenye yesikweletu esikhulu nomunye ebhange, futhi isikhathi loan ongafinyelela iminyaka engu-30.

Uma inani izikweletu ingeqi ruble ayizigidi ezingu-1,5, kunengqondo zisebenza "RosEvroBank". nenkathi yenkontileka uneminyaka engu 20, kodwa kudinga umuntu ekhokha imali ka 0.8% semali wathola.

Refinancing bengatshelekwa ku "Bank of Moscow" kungenzeka ngisho ne esincane esisele izikweletu, ne iphesenti eliphansi kakhulu 11,95-12,95% futhi eside iminyaka engu-30.

Ezimeni lapho mortgage likhulu kakhulu, basisize 'Absolut Bank ". Isebenza loans ruble ezingu 15. loan eside iminyaka engu-25. Kodwa uzodinga ukuthi umshwalense ikhasimende futhi ukukhokhelwa ikhomishini.

Akumele bathembele kakhulu phezu ukwethembeka obala of credit izikhungo. Akuwona wonke amabhange babike wonke macala abebekwe wona okulindile kwesivumelwane sesikweletu, okungase eqinisweni ukufihla eziningi izingibe. Ngakho-ke, ekutfoleni refinancing, zonke izicelo izimangalo umshwalense, nokukhokhwa kwezimali kufanele uhlole ngokuningiliziwe, nokunye. E., Lokho izinzuzo oyifunayo kungukuthi wazibonakalisa engokomfanekiso.