Refinancing a mortgage loan: kanjani futhi nini ukushintsha amabhange

Abantu abafaka izicelo mortgage iminyaka engaphezu kwengu-2 edlule, ebhekene mass lezimanga ezingemnandi ngesimo ephakeme zenzalo (kwinkontileka kwenzakala a ehilelekile imakwe), ngesimo wemisebenzi elikhulu ngemibandela zohlelo. Yiqiniso, siqaphela ukuthi nje ukugwema ngokukhipha bengatshelekwa manje, zingabantu ekhungathekile.

Mortgage uhlelo abolekise ingabe ukuthuthukisa, imibandela ungenzi etholakalayo izinhlelo futhi bonke, kodwa mncintiswano amabutho amabhange athambise isandla.

Uhlelo olusha mortgage

Ngakho kwaba khona uhlelo "refinancing mortgage", okuyinto ngokushesha yathola amakhasimende abo (10 100 ababoleka kwelinye ngobukhulu mortgage amabhange sebelithathile usebenzise lokhu kunika). Le ndlela inkontileka ubizwa nangokuthi phezu-wokukweleta, futhi abanye sintele sithi "isehlukaniso ne ebhange." It ikuvumela ukuba uthole imalimboleko kwelinye ibhange emigomeni ezikahle: ngokushintsha eside, isilinganiso, indlela buyiselo, lwemali loan. Futhi ukuba zikhokhe izikweleti ekhona.

Kabusha abatshelekayo ezibizayo

Ukuze uhlele izikweleti izikweletu nomunye ebhange, kubalulekile ukuqoqa iqoqo ejwayelekile kwemibhalo futhi unamathisele amadokhumenti ukuze izibambiso. Yiqiniso, ibhange iyaligodla ilungelo lokwenqaba, kodwa uma ungeyena defaulters enonya, uma kwakungekho kokubambezeleka, akudingeki besabe.

Nokho, kufanele ukuba balungele izindleko entsha nge a mortgage nomunye ebhange. Mortgage refinance loan izobiza angaba yizinkulungwane 30. Deda. izindleko ezengeziwe uzobe esichithwa kabusha ukubhalisa ukuthengwa nokudayiswa efulethini yesivumelwano: duty isimo yokususa encumbrance, ukubhaliswa wokweshumi elisha e- Companies House. Esamukele ebhange elisha lemali edingekile ilingane lonke nawe izikweletu mortgage, uyokwazi wokuyibuyisa, kodwa kungase kudingeke akhokhe ebhange ikhomishana okwedlule buyiselo zakuqala. Kodwa, naphezu kwayo yonke lezi zindleko, khumbula ukuthi singakanani uyosindisa ngokushintsha obolekisayo, okusho Bank.

Naphezu kweqiniso lokuthi refinancing ka mortgage loan ngempela enzima futhi engajwayelekile abaseRussia, lo mkhiqizo azinake futhi ngoba unika lo muntu obolekayo ngizimisele ngaphezu kwalawa. Phela, manje zonke izakhamuzi uzokwazi ukushintsha yasebhange, uma uthola izindawo ezingconywana, noma ingabe ophoqelelwe izinkinga zezimali.

izincomo

Khetha mortgage Uhlelo abolekise nge ngenzalo ephansi kanye neminye imibandela kahle ukunciphisa lokukhokha nyangazonke: ukushintsha eside buyiselo indlela, futhi mhlawumbe lwemali.

Refinancing loan ekhaya kunengqondo ukwenza out, uma esikhathini yokuthola bengatshelekwa yabamba esiphezulu iminyaka engu-2. Lokhu kungenxa ukukhokha inzalo eminyakeni yokuqala emva ukuthenga, hhayi isamba semalimboleko. Ngemva kweminyaka engu-3-5 izinzuzo refinancing wena ngeke uzizwe yimuphi umehluko.

Refinancing yezinye izinhlobo ukubolekisa

Refinancing inikezwa amabhange kohlaka izinhlelo mortgage abolekise, kodwa ngezinye izikhathi kunezinye iziphakamiso: i refinancing zabathengi ukubolekisa, ukubolekisa imoto, credit imali. Lezi zinhlobo amasevisi kufanele usebenzise uma ufuna ukushintsha uhlobo lwemali imalimboleko uma kwenzeka ushintsho oluphawulekayo noma izinga ukungazinzi. Ezinye amabhange bazimisele refinance namakhadi esikweletu, ukunikeza amakhasimende ne ikhono ukwenza izinkokhelo njalo. Njengoba sokubolekwayo imoto: ngokuvamile iklayenti kunesidingo ukuthenga imoto entsha, kodwa eside yesivumelwano ongakabi lidlule. Omunye amabhange ngobukhulu futhi ezinkulu - Raiffeisen - ezihlongozwayo ikhambi ezithakazelisayo. Iklayenti eletha imoto uthenge okuyiwona ayikahlanganiswa esikhokhelwayo, salon, uthola le mali futhi akhokhe inkokhelo yokuqala kwi loan entsha. Ngakho, kungenzeka ukuthenga imodeli imoto entsha. Yini amakhasimende amaningi namabhange bakujabulele kakhulu.

Refinancing mortgage loans, kanye nezinye izinhlobo izinhlelo, khudlwana iphothifoliyo services yasebhange, kungenzeka ngcono isimo iklayenti, ukuhlinzeka ukukhetha. Futhi zonke sibonga ukuncintisana okunempilo.