Refinancing loan, "Ibhange lase-Moscow": nemibandela

izikhungo eziningi zezimali ukunikela refinancing loan. "Ibhange lase-Moscow" ungomunye wabo. Isevisi mkhulu kulabo ababoleka ubani uhlangabezana nobunzima zezimali yesikhashana. Ngosizo lwawo, Uyobuyisela izikweletu, kodwa ngemibandela eyamukelekayo.

Umcabango

Ukuhlelwa kabusha okubhekiselwe yezinguquko imigomo abekelwe yona yokubhaliswa yesivumelwano. Lokhu kungaba ezinwetshiwe ithemu loan, ukubambezeleka, ukunciphisa usayizi ukukhokhelwa. Futhi, lo mqondo kuhilela Ukukhishwa loan entsha, ekhokhwa ngokusebenzisa izikweletu zamanje.

Uma ushintsha isimo sezomnotho ezweni kuziwa refinancing wokutakula loan. "Ibhange lase-Moscow" inikeza amaklayenti e ukubolekisa kuze kudlule isikhathi eside, okuyinto kuzonciphisa umthwalo ngokwezimali.

izinhlobo ukubolekisa

Nge mortgages, ukubolekisa umthengi kanye nezinye imisebenzi, "Ibhange lase-Moscow." Refinancing ukubolekisa ezivela kwamanye amabhange amakhulu, angahlangabezana ezahlukene Izibuyekezo zazo, ikhasimende kunganciphisa umthwalo ngokwezimali. ababoleka abaningi ukusebenzisa le nsiza. Abazincomayo resort kuso izindleko aphansi.

Njalo kukhona amasha refinancing iphakethe. Ziyakwazi efanele kulabo wathatha abatshelekayo at eziphezulu zenzalo. Kodwa ukusebenzisa isevisi ngeke isebenze uma kwenzeka ukuthi ibhange isungule imikhawulo ekuqaleni izikweletu yokukhokha.

Izinzuzo nezingozi nebubi

Amakhasimende ukwazi ukuhlangabezana iziphakamiso ehlukahlukene. Refinancing ikuvumela ukuba wehlise izinga futhi ushintshe neminye imibandela loan. Inkokhelo izikweletu kuba lula. Kodwa le sevisi, kukhona nemibi:

• kudinga inqubo yokubhalisa entsha;
• Zingase ukhokhiswe ikhomishana;
• ngokuvamile zidinga ukubhalisa umshwalense;
• Sidinga ukuhlolwa yesibili impahla.

Ngenxa isifiso ukushintsha izimo inkontileka kungaba yini inzuzo kakhulu. Ngakho-ke, kudingeka ukubala ngokucophelela yonke into ngaphambi kokuthi akhiphe idokhumenti.

Izici nezinqubo

kuyinto Refinancing kungenzeka enhlanganweni efanayo lapho loan uzokhokhelwa, futhi omunye. Okuningi inzuzo ukukhipha loan sikhungo yesibili, uma kukhona izimo ezingcono futhi ukhokhe izikweletu yokuqala. Bese ungakwazi kalula angabuyisela izikweletu ngaphansi inkontileka. Ngakho ngeke umsindise kancane.

Ukuze amakhasimende amaningi, inzuzo loan refinancing. "Ibhange lase-Moscow" inikeza nenqubo ababoleka abanale credit cards. Ukubulawa loan entsha ikuvumela ukukhokhela izikweletu ubudala.

izimo

Refinance loan , "Ibhange lase-Moscow" umuntu umenyiwe kule mibandela elandelayo:

• isikhathi kuze kube iminyaka engu-2;
• lemali 3 000 000;
• ngesilinganiso 16.9%, kodwa kukhona Izipesheli;
• akukho Izimali Ukukhishwa, ukuhlengwa.

Obolekayo kumelwe nazo zonke izidingo, ukuze abe ikhasimende ye ebhange:

• yisakhamuzi we Russian Federation;
• iminyaka engu-21-70;
• ukusebenza isipiliyoni izinyanga 3.

Amakhasimende kungaba isicelo loan refinancing ekhethekile. "Ibhange lase-Moscow" linikeza isimiso esikhethekile perekreditatsii amakhasimende abaye abathintwe yinhlekelele eliseMpumalanga Ekude. nemibandela ekhethekile isebenza lezi amakhasimende.

amadokhumenti

Ngamunye izimo ebhange kanye nohlu imibhalo zingahluka. I "Bank of Moscow", cishe iyafana yonke enye indawo. Ukuze siphethe isivumelwano entsha kuzodinga ohlwini olulandelayo izibambiso:

• iphasiphothi Russian;
• INN;
• isitatimende engenayo;
• inkontileka kanye ukubuyiswa kwemali schedule;
• isitifiketi ezikweletini;
• Imininingwane loan;
• nesitatimende izinkokhelo;
• Ikontraga isibambiso, futhi ukubaluleka abekiwe salo Mthetho.

Ngaphezu kwalokho, ungakwazi ukunikeza irekhodi umsebenzi. Wonke amadokhumenti okufakiwe ebhange, okuyinto siyofeza refinancing. Khona-ke, ingabe kufanele silindele isinqumo. Khona-ke kufanele uthintane inhlangano, elikhiphe credit, isixwayiso Uchwepheshe oku buyiselo zakuqala ezikweletini. Lapho Kusayinwa isivumelwano, izimali zidluliselwa ukukhokhelwa kwesikweletu. Uma eseduze iye ikhishwe, ibuye ngocansi.

inqubo kanjani?

Kunezigaba eziningana ukubolekisa refinance, okuyinto nakanjani kudingeka uhambe ukubhaliswa inkontileka:

• Kumele uhambise isicelo ehhovisi yasebhange noma ngocingo.
• Isicelo kubhekwa izinsuku ezingu-30.
• Yazisa iklayenti ngesinqumo ebhange ukuze opharetha ocingweni. Uma impendulo inguyebo, khona-ke okuxoxiswene imininingwane.
• Ngesikhathi isethi, ikhasimende kufanele uvakashele ihhovisi lebhange, ukusayina amaphepha. Ukuba abuyisele ngokushesha uya ukukhokha izikweletu.

Kulesi inqubo uphela. Ngakho ingaqalisa refinance mortgage loan. "Ibhange lase-Moscow" linikeza izimo ezivuna amaklayenti, ngakho kuyoba lula ukuba zikhokhe izikweleti.

Amathiphu ababoleka

• Inqubo kuyazuzisa amakhasimende uma loan entsha ikhishwa ngamanani aphansi zenzalo, futhi inkathi izikweletu zamanje futhi ibhalansi eside.
• Kuyadingeka ukuba abale izindleko buyiselo zakuqala, kanye eziqhathanisa izinzuzo ukunciphisa amazinga. Uma kuwukuzikhohlisa ayibonakali ngenxa izindleko loan Sengiphetha, kufanele aziphendukeli isevisi sisuke sicabanga.
• Refinancing imali umthengi eMoscow ikuvumela ukubhala off inhlawulo;
• Udinga sokuhlola ngokucophelela imibhalo, okuyinto ziyatholakala isignesha. Futhi uma kukhona okungahambi kucace, kumele icaciswe esisodwa.

Ngokungafani ukuhlelwa kabusha

Le sevisi ngokuvamile "Bank of Moscow". Refinancing ukubolekisa kwezinye izikhungo credit akufanele kube kudidaniswe kabusha. Lokhu kuhilela ekushintsheni lemali, elithi, isilinganiso kanye neminye imibandela yesivumelwano. Kulokhu, kubalulekile ukuba uvakashele yasebhange ukubhala isitatimende, isibonelo, ukuthi banwebe isikhathi loan. Khona-ke kukhona kokucubungula isicelo, bese wenza isinqumo. Iklayenti uthola entsha schedule isikweletu ukubuyiswa kwemali, kodwa inkontileka uyefana.

Refinancing kuhilela isivumelwano esisha. Ngokuvamile ukushintsha izifundo sivumelwano. Inqubo wenziwa ebhange, okwakwenza kube lula ukuthola imali-mboleko noma ezinye isikhungo sezimali. Kodwa azivamile wenziwa refinance izikweletu zawo, ngoba akuzuzisi. Ngakho-ke, amakhasimende kufanele aphathwe kulezo zakhiwo ukuthi ube khona esimisweni esikhethekile.

umehluko wemisindo nemiqondo yamagama

Uma refinancing ukubolekisa umthengi e Moscow, kubalulekile ukuba ukhombise idatha elandelayo:

• Isigaba: udokotela, uthisha noma inceku yomphakathi. Kulokhu, kwelula amazinga evumayo ngaphansi isimiso esikhethekile.
• izimo ezikhethekile imalimboleko entsha isebenza kwabasebenzi amaklayenti.
• abasebenzi Corporate bangalindela izinzuzo imali-mboleko.

Nakanjani kudingeka ukhethe lokukhokha kwelinye ibhange, isikweletu kuya isikhungo sezezimali. Ngemva kokubhaliswa ocingweni uthola umlayezo ku isinqumo ukuthethwa kwecala. Uma impendulo inguyebo, kuyobe sekudingeka ukwenze lokho nithintane ne-ofisi ebhange. Imali esikhathini esibekwe kuzodluliselwa kwenye inhlangano. Uma ikhasimende nenkontileka izimali ezengeziwe, isikweletu zafundiswa ikhadi noma i-akhawunti.

Uma wenza isicelo yisiphi isikhungo, kuhlanganise "Bank of Moscow", refinancing ukubolekisa ezivela kwamanye amabhange amakhulu ungaba ezinye izingibe. Ngakho-ke yonke imibhalo kufanele uzifunde ngokucophelela. Kufanele afundwe njengemibhalo inzalo: kubalulekile ukuthi lokhu kwenzeka kusukela mzuzu ukudluliselwa imali, kodwa hhayi lapho kusayinwa umthetho-inkontileka.

Kuyadingeka ukuba sithole ukuthi izindleko lonke imalimboleko iyatholakala futhi ngabe nohlelo lokubuyisela imali njengoba kuyinto efanayo kwinkontileka ukuze kuleyo enqunywe Isijobelelo. Iklayenti kudingeka yazi ngezinguquko izimo buyiselo zakuqala. Lapho izikweletu akuyona phindisela ngendlela esifike ngesikhathi, ibhange unelungelo lokuthathwa njengomsulwa izinhlawulo enquma, kanye bhala-off imali kusuka akhawunti, kodwa kuphela uma kucacisiwe kule inkontileka. Ngokuvamile, le ncwadi yabonisa ukuthi isikhungo sezezimali unelungelo lokuthathwa njengomsulwa impahla umboleki sika uma kwenzeka ukwehluleka ukufeza izibopho zayo. Ngakho-ke, kumelwe ufunde ngokugcwele inkontileka ngaphambi kokungena ke.