Ngingalutholaphi wenze mortgage refinance?

Refinance mortgage akahlukile imisebenzi efanayo maqondana nanoma iyiphi enye imali-mboleko. Le nqubo kuba ukuthola isikhungo credit imali emigomeni esihle sokukhokhwa izibopho ezikhona. Ngesikhathi esifanayo loan sokuqala longabekelwa ebhange esifanayo nezinye izinhlangano zezimali.

Kodwa akubona bonke ababolekisi zingase zinikeze mortgage refinancing. Amabhange bekwi imisebenzi anjalo esikhathini Russian Federation, emelelwa VTB 24 futhi Sberbank. Ngenkathi refinancing nezinye imisebenzi (ezifana loan imoto noma umthengi credit) ingatholakala ezikhungweni eziningi zemali.

Refinancing bengatshelekwa wukuthi loan esisha sakhiwa, isamba okuyinto luqede esikweletini odlule. Yisibambiso impahla kabusha ukubhalisa ku umbolekisi entsha futhi lo muntu obolekayo ophindisela loan isiyi-sesikweletu entsha. Ngokuvamile, lo msebenzi wenziwa, uma kungenzeka ukunciphisa amazinga enzalo, ukubuyiswa kwemali migomo noma ukushintsha lwemali yokukhokha. Ngokwesibonelo, e lwemali amazinga mortgage cishe njalo ngaphansana ruble. Noma kunjalo umvuzo zikhokhwa ruble Russian. Nge ukukhula, isibonelo, i-dollar anda umthwalo loan ngesabelomali umndeni, njengoba udinga semali in ruble ibe zamadola. Ngakho-ke ngezinye izikhathi kuzuzisa ukuvuselela loan in ruble. Iphinde Kungenzeka ube nentshisekelo kabusha yokubhalisa imalimboleko phezu eside isikhathi sokukhokha. Bank VTB 24 kule ndaba, mhlawumbe irekhodi, ukunikela isikhathi esiphezulu engamashumi amahlanu.

Ukuze uqale refinancing abatshelekayo kangcono ebhange, lapho ekuqaleni khuphela, njengoba eziningi izivumelwano loan abe izinhlawulo ngoba befuna imbuyiselo ekuseni ezikweletini noma ngokohlelo lokugcwaliswa nisebancane ekunqanyulweni kwe izibopho. Uma ibhange ayikwazi ukunikeza isevisi abolekise, kungenzeka uye kwelinye isikhungo sezezimali. Ngakho kubalulekile ukubala malini kuzobiza nokubhaliswa loan entsha, kanye ukucacisa senzalo umehluko. Izazi zikholelwa ukuthi ukusebenzisa refinancing kuyinto engeke asebenze uma izinga entsha ihlukile sangaphambilini ngamaphesenti angu esingaphansi kwezinsuku ezimbili.

Refinancing bengatshelekwa senziwa ngendlela efanayo njengoba credit ejwayelekile. umuntu wemvelo noma womthetho oletha isicelo kanye loan kusukela chrezhdenie ihlola solvency sayo samanje. Uma umlando credit yomuntu ukuwo ukubambezeleka ku loan wokuqala, bese kwelinye ibhange ke ungenqaba uboleka, ngisho noma has a level sezingeni eliphezulu imali.

Inketho ezithakazelisayo kakhulu sokwenza noma imuphi umboleki is refinancing izinga. Mortgage kulo mongo kunalokho "ezishibhile" instrument yezimali, njengoba amazinga amayelana 12.5 amaphesenti lapha (isib Savings Bank). Lokhu kungenxa esiningi nemalimboleko futhi ukuvuthwa eside. Nakuba izinga, isibonelo, kungenzeka ukuthi amaphesenti 18-20 noma ngaphezulu yabathengi credit zokukhokhelwa.