Refinancing ukubolekisa ezivela kwamanye amabhange amakhulu: umthengi, indlu, imalimboleko engenzi

Inani elandayo labantu eRussia zisebenzisa credit. Kungaba ukubolekisa siqu, amakhadi okuthenga ngesikweletu, ukubolekisa auto kanye mortgages. Ngakolunye uhlangothi, lokhu kulusizo olukhulu ukuthenga into bese uqale ukuyisebenzisa. Ngakolunye uhlangothi, zenzalo emalini ebolekwe abasakwazi okusezingeni eliphezulu. Ngakho-ke, ekupheleni ukuthengwa izinzuzo ezibizayo mayelana kathathu.

Life iwukuthi ngezinye izikhathi kunezimo ezingahlanganisiwe musa kuxhomeke kumuntu. Ngenxa mcimbi elahlekelwa ikhono sokukhokha imali ebolekiwe ngokwezinjongo ezinhle. Yini singazi ukulahlekelwa isithunzi sakhe hhayi kuphela, kodwa impahla futhi kakhulu aluthola? Kulokhu, kungase kube usizo ukuhlela refinance ukubolekisa ezivela kwamanye amabhange amakhulu. Isibalo izinhlangano ezinikeza izinsizakalo ukuze abolekise iba ezinkudlwana.

definition

Ezinye amabhange ukunikela refinance ukubolekisa ezivela kwamanye amabhange amakhulu. Akubona bonke izakhamuzi ukuthi kuyini nokuthi ungabasiza kulesi simo. Phela, ochwepheshe kakade okuzwakalisa inhlabamkhosi: labantu Russia refinancing. Yonke imikhaya yesibili izinkokhelo zenyanga ukuthola iholo makhulu kakhulu. Ngokuqondene nalokhu kukhona ukubolekisa eziningi sekwephuzile.

Refinancing loan - kuba imalimboleko kwelinye ibhange a kwezimo ezifanele ngaphezulu evumela izinkokhelo. Ngamanye amazwi, it is refinancing akhokhe izikweleti ukuba omunye isikhungo. Kuyinto ngokuvamile umuntu othatha loan ngesilinganiso engezansi, okuyinto iyehlisa inkokhelo yanyanga zonke kuwo. Noma anda lenkathi yokukhokha. Kuyasiza uma kukhona ukubolekisa eziningana e amabhange ezahlukene. Ngakho, babonisa kuhlanganiswe zibe munye.

Lena indlela engcono kakhulu labo, ngenxa yezimo bamenanisele esikweletini akhona esilinganayo. Refinancing uyajabula ukuthatha ababoleka ezisekelwe kunembeza okuyiwona idumela kubalulekile.

Izinzuzo obolekisayo

Kuze kube manje, abanye ababoleka baye baqaphela izinzuzo refinancing. Phela, umuntu ohlinzeka ithuba imali ebolekiwe ubudala entsha, okuyinto esiphethwe ukuqashelwa imibuzo yakhe. Lihlanganisa refinancing ka mortgage loans ezivela kwamanye amabhange amakhulu. Yiziphi izici ezinhle ngesikhathi elapho?

1. Kungenzeka ukuba ukhethe nje isiphi isigungu esiletha le sevisi emakethe ezezimali. Lokhu kungaba hhayi kuphela sikhungo zezimali elikhiphe loan langaphambilini, kodwa futhi yimuphi omunye.

2. Kukhona ithuba bangena esivumelwaneni ne aphansi senzalo ku loan.

3. Ukuze sinciphise ubukhulu izinkokhelo zenyanga ngokwandisa isikhathi yesivumelwano.

4. Ungathola isamba kwanele ukuba isifundazwe sikhokhele izikweletu ekhona, kuvikelwe nanoma iyiphi impahla.

5. Kungenzeka sihlanganise loans ezincane amabhange ezahlukene kwelinye. Lokhu kusindisa isikhathi esinqunyelwe ukubuyisa imali njengoba imali.

Ungaluthola kuphi refinancing

Inani elandayo izikhungo bazimisele ukunikeza usizo refinance sokubolekwayo. Ukwanda ukuthandwa le sevisi ngenxa yokuthi umuntu ufuna kwezimo ezifanele kakhulu, namabhange, esikhundleni salokho, ukunikela imikhiqizo yabo ukuheha abathengi. Ngaphezu kwalokho, ukukhula eqinile uye wathonya futhi isimo sezomnotho ezweni, kanye okwanda isibalo loans sekwephuzile emabhange ezahlukene.

inqubo refinancing

Ezimweni eziningi, le nqubo abolekise ayidingekile ukuqoqa lonke ulwazi kanye imibhalo. Nokho, kukhona ezinye umehluko wemisindo nemiqondo yamagama. Yini okufanele ngiyenze ukuze lo muntu obolekayo ukuze uthole refinancing imali umthengi ezivela kwamanye amabhange amakhulu?

• Ngemva isinqumo uboleka umboleki ukukhetha ebhange. Lokhu kungaba ebhange ofanayo noma esinye isikhungo third-party.
• Ukuze ucwaninge yonke imigomo yesevisi futhi ukhethe best.
• Khona-ke udinga ukuxhumana isikhungo sezezimali lucela obolekisayo.
• Uma kukhethwa yawela phezu yasebhange third-party, uzodinga ukuletha isitifiketi ebhange kubolekisa inani izikweletu.
• Ngemuva kwemvume isikhungo inikeza ukukhethwa best of imikhiqizo obolekisayo.
• Kuyinto isivumelwano esisha, okuyinto ethatha kusukela odlule credit izibopho umboleki sika. Kodwa eziphoqelelwe izibopho omusha kuyodingeka enze.

nemibi obolekisayo

Yiqiniso, kanye nokuthi wayeqinisile yini uma noma yimuphi umkhiqizo loan has nezihibe, okuyinto kudingeka wazi amakhasimende. Phela, noma kunjalo kuzomele wenze izinqumo ucabangisisa futhi ngokucophelela.

nemibi:

• Ezinye amabhange fee ephakeme nge iklayenti. Noma ngabe yomshuwalense premium, imali yokubhalisa noma into efana naleyo. Isamba ibalwa ngayodwa ebhange.
• Kwezinye izimo kubalulekile ukuqoqa iqoqo ejwayelekile kwemibhalo.
• Ngu umboleki angasebenza izidingo ezibophayo kakhulu: umlando omuhle credit, akekho omunye ezibolekiwe kanye nokunye.

refinancing Izikhungo: izimangalo amabhange '

refinancing ukubolekisa Usizo kokuvulwa ukuthandwa futhi ihlanganisa hhayi kuphela ukubolekisa, kodwa ama-credit card kanye mortgages. Ngesikhathi esifanayo, ngokusho kongoti, ukubolekisa eside kungenziwa refinanced izikhathi eziningana.

Ukuhlinzeka izinsizakalo ezidingekayo ekuphileni imalimboleko kwaba okungenani ezinyangeni eziyisithupha. Futhi, kuyinto efiselekayo ukuthi phakathi nalesi sikhathi kwakungeyona sekwephuzile ke. Ukukhangwa elikhulu kunawo wonke elitholwa abolekise is mortgage, onikeza ithuba lokuthola imali isikhathi eside. Futhi, imoto akukho loan kancane ezithakazelisayo.

Credit card okunenzuzo ukuba lo muntu obolekayo, ngoba ngemva refinancing inkokhelo yanyanga zonke iqinile ngokwemvelo. Map ke ivinjiwe noma ivaliwe. Okungukuthi, ukuvala ikhadi lesikweletu ngosizo we refinancing, umboleki ilahlekelwa ilungelo ukusebenzisa umkhawulo. Ezinye amabhange anganikeza wesikweletu refinance sekwephuzile. Noma kunjalo, akufanele kube eside.

VTB24 imikhiqizo

Musa siphambanise ne VTB24, VTB Bank. Refinancing loan inikezwe yasebhange kuqala. Ukuze yokubhalisa kumele unikezele iphakethe ubuncane kwemibhalo. Sidinga kuphela ipasipoti wonke amadokhumenti ku yemali ebolekwayo: inkontileka, schedule lokukhokha, isitifiketi sokulinganisela. Ukuze credit card kumelwe athumele isitifiketi lemali esele loan.

Igama elithi yesivumelwano ukubolekwa imali engekho ngaphansi kuka izinyanga eziyisithupha. Kulokhu, ukubambezeleka akuyona wamukelekile. Kuyaphawuleka ukuthi ungafaka umyalelo ngocingo. Ibhange inikeza ikhono ukuhlanganisa ukubolekisa eziningi ama-ejensi ahlukene zibe munye. Lokhu okunye konga isikhathi wathatha uhambo oluya amabhange. Ngaphezu kwalokho, kakhulu ziyancipha kanye nenani lokukhokha nyangazonke.

Usayizi wokugcina ibhalansi loan ingeqi ruble ayizigidi 750. uboleka isikhathi - ngemva kwezinyanga eziyisithupha kuya eminyakeni emi-5. Izinga lenzalo yemali mboleko kubhekwa ngamunye yeklayenti ngayinye.

Refinancing Sberbank

abantu abaningi ukunaka refinancing imali ezivela kwamanye amabhange amakhulu. Savings Bank inikeza enezimo ezingcono zalo mkhiqizo. isikhungo Ngasekuqaleni wahlanganyela uboleka kuphela abatshelekayo nokwakhiwa. Manje uhla yandile imikhiqizo, bonke loans ezinkulu afakwe, esetshenziswa labantu. Inani ubuncane yesikweletu - hhayi ruble esingaphansi 45 eziyinkulungwane.

Lapho senza lo muntu obolekayo kumele balethe isitifiketi kusukela yasebhange inani izikweletu ibhalansi. Ngaphezu kwalokho, lesi sitifiketi kufanele kuvezwe, ngokuqaliswa imininingwane yasebhange, usayizi ukubheja, ubude yesivumelwano. Futhi, ningadakwa isitifiketi engenayo engadingekile kumqashi kanye iphasiphothi.

Usayizi wokugcina esikweletini - akukho ruble abangaphezu kuka-1 million. elithi loan iyafana leli gama VTB24. Nokho, inani ibhidi lingaphansi kakhulu. Kuyaphawuleka ukuthi idiphozi ekhona Savings Bank ngeke udlale indima ekwehliseni amazinga. Izinzuzo azonikezwa kuphela abanikazi kwabasebenzi amakhadi. Ubudala iklayenti - iminyaka 21-65. Ukulandela ukwamukelwa lonke inani zidluliselwa ku-akhawunti ye-kwesivumelwano sesikweletu.

Siza Alfa-Bank

Alfa-Bank ikakhulu kuthatha ukubolekisa ezinkulu kuphela, ezifana abatshelekayo. Ziyakwazi oholela kangcono. Kubalulekile nokukhumbula ukuthi refinancing imali ezivela kwamanye amabhange amakhulu, lapho isigamu isikhathi sesivele sidlulile, akuyona ilungele umboleki. Phela, omningi walo inzalo enqwabelene ku nokuqala kwenkathi. Engxenyeni yesibili isetshenziselwa senkokhelo yesikweletu.

Kulesi yasebhange izinga aphansi. Okungukuthi, kuba isilinganiso maqondana mortgage obolekisayo. Refinance ukubolekisa yabo ebhange ayikwazi ngokuthi i esigcwele obolekisayo. Against isizinda izenzakalo zamanje inkonzo enjalo kufanele ubhekwe njengelungiselelo ngcono. Kodwa lo muntu obolekayo kumelwe sizibonakalise ukuthi inani iholo lakhe kwehle.

Obani abazuzayo refinancing

Kulabo abane ukubambezeleka, kufanele kuphawulwe ukuthi refinancing imali esalele emuva ezivela kwamanye amabhange amakhulu kudinga isethulo iphasela egcwele imibhalo ukuqinisekisa platezhosposobnost yabo. Ngaphandle kwalokhu, akukho lamabhange bangavumelana ukuthatha izikweletu umboleki sika.

Refinancing kuyazuzisa ezimweni lapho kuyadingeka ukuhoxisa isakhiwo isibambiso. Okungukuthi, ngenkuthalo esetshenziswa ukuvala loan, lapho kokhona khona ngamasimu. Lapho uboleka idiphozi ayidingekile. Ngakho-ke, eseduze kuba okungewakho umboleki.

Refinancing ukubolekisa ezivela kwamanye amabhange amakhulu kuyazuzisa hhayi nje kuphela kubantu kodwa futhi ngoba izikhungo zezimali, lapho sebeqale ngenkuthalo poach amakhasimende encintisana. Konke lokhu kungenxa ukuhoxiswa amalayisense yasebhange. Ngamunye wabo uzama ukuhlala emakethe ngokusebenzisa amakhasimende inzuzo loans. Kucatshangelwe ababoleka nge credit omkhulu.

Kufanele yini ngiye ngoba refinancing

Lo mbuzo, ngamunye onesibopho yena. Uma lo muntu obolekayo uyaqiniseka ukuthi inzalo emalini ebolekiwe, uma sikubeka kahle, "draconian", noma usayizi inkokhelo yanyanga zonke ehlombe ayizange ngenxa yezimo zokuphila, kubalulekile ukubheka iziphakamiso ezinye amabhange.

Nokho, iklayenti kufanele babe nomlando credit omuhle, okungase kufakazelwe njengoba lokukhokha komunye oyedwa obhekene. Kubalulekile ukukhumbula ukuthi inkokhelo yanyanga zonke kumele singeqi kwesigamu imali ingqikithi umboleki. Kufanele futhi acabangele khona abondliwa. Abasebenzi ibhange ngeke abale inkokhelo yanyanga zonke, ukuze nokuphila okuvamile iklayenti ayiphazamiseki.

Modern izinsiza Inthanethi ukunikeza ithuba abale zonke izindleko bese ukhetha loan ukuthi uzokwazi ukwenza. Ezimweni eziningi, ubukhulu lokukhokha nyangazonke is kakhulu ziyancipha e kubukezwe nenkathi yenkontileka.

Abaningi bakusebenzisa ngayo ukunikezwa "ukuze refinance loan." Izibuyekezo Ikhasimende amabhange ukhulume izimo ezikahle. ababoleka Abaningi bakwazi ukuphefumula kalula ngemva izimo i-force majeure empilweni. Ikakhulukazi, kumayelana zokunciphisa imali umndeni.

Ngokusho kochwepheshe, le refinancing ka nethonya elizuzisa kakhulu nasemnothweni. Ukunciphisa inani loans ezimbi, okuyinto bavimbela abantu ukuba baphile ngokukhululeka. Ngakho, bayakwazi ukuvala loan akhona amazinga okukhulu futhi akhokhe kancane.