Mortgage refinancing, "Gazprombank": Izibuyekezo

Mortgage abolekise isibe ingenye kwezinhlobo ngalo ukuthenga imizi yawo. Namuhla, cishe zonke izikhungo zezimali ukunikela ukukhipha mortgage phezu kwezimo ezimvunayo kakhulu, kanye abe operation ezivamile ezifana mortgage refinancing. "Gazprombank", phakathi kwabanye, inikeza kwezimo ezifanele sokubhalisa lula izimfuneko ababoleka.

imiqondo eyisisekelo

Ngaphambi kokucabangela refinancing bengatshelekwa ku "Gazprombank", sichaza nemiqondo eyisisekelo.

Mortgage ubhekwa uhlobo eseduze, lapho umkweleti isebenzisa impahla ecashile, futhi uma kwenzeka okuzenzakalelayo umbolekisi phambi impahla lingathengiswa ukukhokha izikweletu.

It refinancing wabhekisela lokuvala nhlobo noma ngokwengxenye imalimboleko ngokuthola imali-mboleko entsha. Kungasetjenziswa uma kwenzeka izinguquko ezimweni emakethe, kanye ukunciphisa solvency we nakwabangenangqondo.

Inketho engcono kakhulu refinance mortgage ku "Gazprombank". Uphenyo ke ingxenye enkulu kuphela omuhle, ababoleka eziningi weneliseka imigomo imali kanye nezinsizakalo ebhange.

izimo

Refinancing abatshelekayo "Gazprombank" oqhubeka kwale mibandela elandelayo:

• Nokuthathelwa anikezwe iminyaka engu-30 noma ngaphezulu.
• Pledge izenzo ngqo siqu ingcebo.
• Le mali ikhishwe ngaphansi kohlelo inani ayizinkulungwane 600. Hlikihla. ruble ayizigidi ezingu-45.
• Isithakazelo refinancing kuyinto 12-13%.
• Izinga lenzalo yemali mboleko ku loan lingafika ku-1% uma lo muntu obolekayo has umshwalense yangasese.
• Isicelo mortgage refinancing bubonakala izinsuku 7-10.
• Okungenzeka ukubuyiswa kwemali yokuqala yaleli mortgage ngaphandle ukunqunywa izinhlawulo kanye nokuhlawuliswa.
• izinkokhelo zenyanga ingakhokhelwa okweqa okuyisilinganiso esiphansi semali edingekayo yokukhokha.
• Refinancing kungenziwa ikhishwe hhayi kuphela in ruble, kodwa esihlukile.

umshwalense

Njenganoma iyiphi enye eside ukubolekisa, "Gazprombank" refinancing mortgage evuma ukuthathelwa umshuwalense. Yaba umshwalense ayimpoqo kanye yokuzithandela.

Izingozi ezilandelayo zifakwe umshwalense ayimpoqo:

1. Ukulimala noma ukulahleka kwempahla.
2. Ukunqanyulwa we eseduze amalungelo bezindawo okungenani unyaka owodwa (kodwa uma impahla kwaba ugagule umboleki ezingaphezu kuka iminyaka emithathu, lolu hlobo umshwalense asisebenzi).

I umshwalense yokuzithandela zihlanganisa lezi ezilandelayo:

1. Ukufa umboleki noma ukulahlekelwa amandla abo zokusebenza.
2. Ingozi.
3. umshwalense Property.

ukubhalisa

Naphezu kwalesi simo esishubile emkhakheni kwezomnotho, mortgage refinancing "Gazprombank" isebenza ngaphandle kwezinguquko ezinkulu.

inqubo refinancing has umklamo izinyathelo ezilandelayo:

• Ukubhala isitatimende e yiliphi ihhovisi elula "Gazprombank".
• Iqoqo nokuzithoba kwemibhalo.
• Imvume ebhange, lapho ekuqaleni anezinhlaka mortgage, ukuze afeze refinancing.
• Ukubhala kanye ngemvume yesivumelwano.
• Ukudluliswa izimali okunikeze ku-akhawunti ye-umboleki.
• Ukubuyisela imali loan ebhange lapho mortgage iye ikhishwe.
• Yokukhululeka ingcebo eseduze umthwalo.
• Isiphetho inkontileka mortgage nge "Gazprombank".

Kukhona okukhethwa kukho ukuthi liyadingeka ukunikeza yisiboniso noma impahla kwamanye ku "Gazprombank". Mortgage refinancing kwamanye amabhange ukuba abantu, kulesi simo enikeziwe emigomeni izindawo ezingconywana. Ngamanye amazwi, lo muntu obolekayo kwandisa amathuba okuthola izimali ukukhokha off the mortgage nomunye ebhange.

amadokhumenti

Nokho, "Gazprombank", njengoba kunjalo nangezinye amabhange, zidinga isethi ejwayelekile kwemibhalo. Okokuqala udinga ukufaka isicelo refinance, ukuvumela ukusebenza kwedatha futhi ukucela Umlando wokukhokha kwemali.

Isicelo kumele libe nale mininingwane elandelayo:

1. Imininingwana ezeleko umboleki.
2. Ikheli kanye nezinombolo zocingo wesicelo.
3. Loan lemali edingekayo ukuze asule mortgage.
4. Isikhathi amakhredithi.
5. Idatha yesondlo imoto.

Kanye nesicelo ethulwa:

• Umazisi;
• Ingemuva 2-PIT eqinisekisa solvency ka umboleki;
• ikhophi yerekhodi umsebenzi;
• Imibhalo ingcebo: isitifiketi eqinisekisa ilungelo ubunikazi, isisekelo ilungelo lokuthola impahla;
• isivumelwano sesikweletu ukuthi esiphethwe ayemkweleta uqobo;
• isitifiketi isikweletu.

Imibhalo ezingeziwe zifaka lokhu:

• baqale bathole imvume ebhalwe phansi umbolekisi ukuthi refinance mortgage;
• nokuhlinzekwa kwempahla eseduze eyengeziwe noma isibambiso;
• umboleki ngesiqinisekiso imali eyengeziwe; Ngokwesibonelo, uma kuqashwa kwezakhiwo, kubalulekile ukuhambisa inkontileka sokuqasha.

Ngaphezu kwalezi, ibhange angacela madokumende alandelayo:

• Inombolo yesibonakaliso sentela;
• SNILS;
• Imibhalo imfundo;
• imibhalo esiqinisekisa isimo somshado;
• isitifiketi sengane sokuzalwa noma ipasipoti wengane, uma isivele engu-14 ubudala;
• isitifiketi sokufa abazali, izingane, makoti (uma ekhona);
• amadokhumenti ziqinisekisa khona nezimpahla ezithathekayo noma engagudluki.

Izimfuneko umboleki

"Gazprombank" mortgage refinancing kwamanye amabhange inikeza Lutho neze wonke umuntu. Ukuze ababoleka abafuna ukuba ixazulule izinkinga zabo-credit, ibhange ziwumthwalo eziningi izidingo. Lokhu kuhlanganisa:

• khona yisakhamuzi Russian;
• yokuhlala unomphela endaweni wesikweletu;
• Umlando wokukhokha kwemali omuhle, ukungabi sekwephuzile ngesikhathi we refinancing;
• mortgage refinancing "Gazprombank" inikeza abantu abangasinaki engaphansi kwengu-20 ubudala futhi emidala kuno 55 iminyaka kwabesifazane 60 amadoda;
• khona imali ekahle nihlale endaweni efanayo okungenani ezinyangeni eziyisithupha.

abantu abahola imali encane kufanele unikeze ithuba ngesikhathi esifanele ukukhokha izinkokhelo zenyanga. Endabeni ka ukubambezeleka noma ekugcwalisekeni engafanele izibopho ebhange ukuze lo muntu obolekayo kungenzeka ibe ngaphansi kwegunya izinhlawulo kanye nokuhlawuliswa.

Uma lo muntu obolekayo ukunikeza eseduze lowengetiwe ngendlela kwempahla noma omunye yisiboniso, isikhungo sezimali kungase kwandise engu-iminyaka emihlanu (kwabesifazane sekuyiminyaka 60 amadoda - 65, ngokulandelana).

I stringency yezimfuneko esekelwe yokuthi ngale ndlela ebhange kuvikela ukuzinza kwezimali, kanye loans oluvelele lincane kakhulu.

Le mfuneko for mortgage

mortgage refinancing "Gazprombank" senzeka, uma lihlangabezana nezidingo:

• ezithathwe ruble;
• uhlobo izikweletu isibopho - mortgage kuphela;
• esasele kuyakuba bengekho ngaphezu kwama-85% inani lemakethe komhiaba;
• nebhalansi abolekise eside hhayi ngaphansi kuka izinyanga 36;
• kungekho delinquencies zamanje.

Izinzuzo nezingozi nebubi

Cabanga ngokucophelela ngobuhle nangobubi bawo eziyisisekelo zohlelo, okuyinto anikezwa "Gazprombank". Refinancing bengatshelekwa has izinzuzo ezilandelayo:

• kungenzeka yokubhalisa kunoma iyiphi zibiza malini;
• abolekise eside;
• Imali ayikho ezengeziwe ebhange, okufaka ukuphathwa akhawunti;
• Imali ayikho kufihlwe;
• ukuthi izinkokhelo ubuncane ngaphandle embundwini esiphezulu;
• kungekho izinhlawulo wenze inkokhelo enkulu izinkokhelo zenyanga;
• ikhono abuyisele mortgage ekuseni ngaphandle ukunqunywa inhlawulo;
• ungahlela bengatshelekwa ngaphandle eseduze, ukuze anikeze Bank guarantors eziningana.

Amaphuzu okungekuhle njengalokhu izici ezilandelayo:

• Umboleki kungenzeka inqatshelwe refinancing, mortgage acime uma engaphansi kuka-20%.
• Ukutholakala izimfuneko kwezindlu: kufanele kube flat kuphela endlini entsha. Ngeshwa, ibhange akacabangi ifulethi emakethe yesibili, amakamelo ezindlini ohlanganyelwe, "Khrushchev" nokunye. N.
• Ukutholakala umshwalense kuthinta intela yemali mortgage.
• An uhlu umxhwele imibhalo ukuze ibuyekezwe okungase kuthathe izinyanga eziyisithupha.

Izibuyekezo

Ukuthi amakhasimende uthi ngamasevisi yasebhange ezifana mortgage refinancing? "Gazprombank" libuyekeza ngalokhu isevisi uthola Yiqiniso, ezihlukahlukene. Abantu abaningi efana yokuthi izidingo for ababoleka akuzona sinesandla esiqine kakhulu. Nokho, isikhalazo ukucutshungulwa kancane kwezicelo. Abasebenzi "Gazprombank" ukunikeza izinzuzo ezengeziwe refinancing.

Ngakolunye uhlangothi, i-gripe iyona incompleteness ulwazi olunikezwa iklayenti ekuqaleni. Okusho ukuthi, emva ukuhanjiswa imibhalo edingekayo ukusiza ukuqoqa, hhayi esishiwo ngaphambili. Akusiwona into enhle kakhulu okukhathaza amakhasimende amaningi "Gazprombank". Nokho, okhangayo senzalo lezi amaphutha ligamanxa, ngakho ukugeleza amakhasimende, ibhange uzinzile.