IzimaliAmabhange

Refinancing Savings: Imibandela kanye nokubuyekeza

Kaningi, abantu banesithakazelo, kukhona kungenzeka ukubeka idiphozi ngenhloso ukuze asule omunye loan. Abaningi bazokujabulela ukuzwa, azosiza kule ndaba refinancing Sberbank. Lena ngenye yama-amasevisi entsha isikhungo sezezimali. Kwezinye izimo, it is refinancing ukubolekisa yezinhlobo ezahlukene ababoleka akuyona ithuba kuphela ukuze uthole ezikweletini kusukela okungadingi athole imali.

Isimo lapho umuntu abakwazi ukukhokhela izinkokhelo mortgage, ezivamile, ezimweni eziningi kubangelwa ukunganaki kwabantu. Ababoleka imali ngokuvamile ukunganakwa izimali ezifihliwe futhi umshwalense, kanye nezinye izinkokhelo ezengeziwe. Ngenxa yalokho, imali yokukhokha mortgage zinzima kakhulu.

Ingqikithi refinancing

Refinancing (Sberbank) kusiza umboleki ukuvala bonke kweletu emalini ebolekwe ngaphambilini eyakhishwa. Refinancing ikuvumela ukuba ahlele futhi usabalalise izinkokhelo loan. Ukuyibeka kalula, okwenza no- Sberbank ukuba refinance, ungakwazi ukukhokha izikweletu emalini ebolekwe ezithathwe nezinye izinhlangano zezimali. Athathe isikweletu ukuze uthole enye i ophahleni mali izosiza kuphela kwenzeke uma kungekho ukubambezeleka kwezinkokhelo. Ngaphezu kwalokho, ukubhaliswa amasevisi sihlinzekela yokunikezelwa iphakethe egcwele imibhalo, njengoba ekuklanyweni imali ejwayelekile: passport, isitifiketi imali, ubunikazi impahla, nesivumelwano sokubolekwa nokunye.

Refinancing imali umthengi

Uma une-oda imali ezinhlanu, zingase kanyekanye futhi ngokugcwele ukusikhokha, uma ungakwazi ukuhlela refinancing of Sberbank. Umthengi credit, ebhaliswe enkulu ezitolo noma Hypermarkets ubuchwepheshe, libhekene eziphezulu zenzalo. Lokhu kungenxa yokuthi abantu ungacabangi mayelana intengo uma bebona izinto ezifiselekayo. Izikhungo zemali, ikhumbula isici ezingokwengqondo, ukunikeza amakhasimende abo esiphezulu zenzalo ukuthi ngokuvamile bayehluleka ngekwetimali. Inani lapho umboleki bangathembela akukwazi ruble ezingaphezu kuka-1 million. Loan eside kulesi simo ngeke idlule iminyaka 5 futhi inani lenzalo - mayelana 17%. Lolu hlelo engabondli abakubo khona esiyisibopho guarantors.

Ubani ongafaka ukusizakala uboleka?

Kuwufanele benaka iqiniso lokuthi refinancing of Sberbank inikeza kuphela isigaba amaklayenti abanale omuhle Umlando wokukhokha kwemali. Isimo eyisibopho ingaphansi khona ubambiswano akhokhe ngesikhathi okungenani 6 credits, ehlelelwe umhla ukumboza refinancing. Uhlelo Sberbank ivumela lokukhokha ngesikhathi esifanele zonke ukubolekisa ngenani aphansi.

Nokuthathelwa: kungani abantu ukhetha izinhlelo ngesithakazelo okusezingeni eliphezulu

Cishe wonke umuntu oye waba ukuboleka imali ebhange, kahle siwazi nalo mbono, njengoba eziphezulu zenzalo. Kaningi kuyenzeka ukuthi izinhlelo loan kahle endaweni eyodwa noma ezinye iphuzu isikhathi abanawo emakethe yezimali. Kulesi simo, isikweletu wakhipha format ukuthi kufanelekile kakhulu.

Ukuphuthuma ekhaya ukuthenga abatshelekayo nge okusezingeni eliphezulu iphesenti kungenzeka kubangelwa isidingo ngokushesha ukuxazulula le nkinga yokuntuleka kwezindlu. A izinga okusezingeni eliphezulu can tingafundziswa isitolimende sokuqala abangelutho. Ikhumbula usayizi imalimboleko kanye ethemini ye ubambiswano Bank, ngokweqile libalulekile. izinkokhelo zanyanga zonke kungaba ezinkulu ukuze kubalulekile ukunciphisa izinga lokuphila. Kodwa ngisho esimweni esinjalo asisona esingenathemba.

Refinancing noma mortgage ku ezimvunayo

Refinancing bengatshelekwa ku Savings Bank ahlinzekwa kulabo amakhasimende abenze out loan ukuthenga izindlu kwenye inhlangano yezimali. Loan anikezwe kuphela yendawo, in ruble. Usayizi loan ayikwazi ukudlula lemali asalile imalimboleko. Udinga ukuba banake yokuthi ubukhulu loan refinancing hhayi kungaba ezingaphezu kuka-80% yezindleko izindlu, lobeka ethengiswayo uchwepheshe. Lapho enza ngokubambisana engqondweni wamukela ukuthatha ezincane lamanani. Refinancing bengatshelekwa ku Savings Bank okwenziwe ukuphepha kwe impahla, kuleli cala - ukuthenga ingcebo. Umshwalense luyimfuneko obolekisayo. Ithemu refinancing oyosisiza eside eyinhloko mortgage. Izinga izokhetheka kuye ngokuthi izimo kanye nesikhathi ngokubambisana. Kungenzeka kusuka 15,25% kuya ku-20%.

Refinancing abatshelekayo: yini imibhalo kumele inikezwe?

Ukuze mortgage lokutsheleka kufanele ukulungiselela isitatimende ngesimo amaphrofayli ebhange. Futhi, umboleki uzodinga ipasipoti guarantors iphasiphothi noma yosebenza ababoleka. izincwadi ezibalulekile ezingase uqinisekise isimo sezimali kanye umboleki kanye guarantors nokubambisana ababoleka. Advance kubalulekile ukunakekela amaphepha emagcekeni zokuhlala kanye eseduze: inkontileka ukudayiswa noma inkontileka yokwakha wabelane, isitifiketi sokubhaliswa impahla, kukhishwe kusukela irejista, isitifiketi nokuhlola isikhala ephilayo nabanye. Amabhange kudingeka bathumele namarisidi sokukhokha zonke izindleko, futhi inkontileka umshwalense futhi isitifiketi eqinisekisa ibhalansi yemali ebolekwayo futhi kubonisa ukungabi noma khona lisalela emuva ekukhokheni ngemuva kwesikhathi esithile ozimele. Uma kukhona isaziso lesi sabelo, iyatholakala ku ebhange. Refinancing Savings Bank alinikela i izimo emangalisayo evumayo, akufaki ekukhokheni izimali ngoba ekuqaleni buyiselo sivumelwano, kodwa sihlinzekela kubhadalwa kwemali yemphesheni.

Okuwusizo refinance?

Uhlelo Bank okuhloswe ngaso ukubuyiswa kwemali imali, okuyinto ahlotshiswe inhlangano yezimali ezahlukene, esanda kutholakala. Abantu abaningi namanje ukuqonda izinzuzo kanye zibheke iziphakamiso ezinjalo. Nokho, okuhlangenwe nakho kuye kwabonisa ngokucacile ukuthi lesi sigaba services yasebhange zithandwa kakhulu.

Namuhla refinance isikweletu Sberbank (izibuyekezo ukusekela lokhu) kunciphisa hhayi kuphela eside loan ukunciphisa usayizi inkokhelo yanyanga zonke. inkonzo Universal kunciphisa ngokweqile Imininingwane ku loan. abolekise emakethe ngonyaka olusha nge izinhlelo ezintsha kakhulu inzuzo engaphezu kuka-nozakwabo kusukela esikhathini esidlule. Kakade emva kweminyaka emibili ukuze ukhiphe mortgage noma ukuthenga izimpahla ezibizayo kungaba ishibhile.

Ngenxa isimo sezomnotho ezweni bangase babe nezinkinga solvency. Inzuzo ohlinzekela refinancing (Sberbank), ukubuyekezwa okuyinto omuhle kuphela kubonakala, uma umehluko phakathi izinhlelo kuyoba mayelana 2-3%.

Uhlelo olusha kusuka Sberbank

izimo refinancing Sberbank kuzohluka kakhulu kuye ngokuthi uhlelo ehlongozwayo. Ngokwesibonelo, refinancing ukubolekisa umthengi kwenziwe ngesilinganiso 20% futhi kuze iminyaka 5. Mortgage refinancing kuhilela ukubheja ka 15,25% kanye nobambiswano kuze kube iminyaka engu-30. Kuhle kokusho saphinde - uhlelo "umndeni Young". Isevisi angasebenzisa ukusikisela okulandelayo:

  1. Amandla ukuxhuma kuzuze co-ababoleka (esuka kubantu 3 kuya ku-6).
  2. alibale imvume lapho sizalwa.

izinhlelo ezintsha zingazuza imikhaya ephelele futhi akuphelele lapho yobudala abazali ingeqi engu-35. Singasho ngisho eyodwa umusho lapho izikweletu ku mortgage uma kwenzeka refinancing kungenziwa ukhokhelwe kuya ekhethekile izimo ngezithukuthuku umzali dolobha. Kunoma isiphi isimo, ngamunye ikhasimende Savings Bank ngesikhathi inqubo yokwelapha ngokwamaqiniso umnyango weemali siyonikwa elihle kunawo refinancing format.

Kungani Savings?

Ukuze refinancing, ungakhetha omunye amabhange amaningi emakethe yezimali. Nokho, Savings Bank refinancing izinga ezikhanga kakhulu phakathi kwazo zonke okunikezwayo okutholakalayo. isikhungo lwezezimali has a lot of amaklayenti futhi ukhonza njengesisebenzi Umphathi Uhulumeni emkhakheni wezezimali. Phakathi amasevisi ayo kukhona lenqwaba izipesheli ngokwezimali lesi sikhundla esinemali.

Isici esibalulekile endabeni yokukhetha uzakwethu sikhungo - kungcono eziningi ezinhle nokubuyekeza amakhasimende. Lapho senza abolekise enikeziwe ukuze ngamunye indlela ngamunye. Akunandaba ngokuthi uhlobo olunjani impahla udinga refinance. Uhlelo Savings unikeza kuze kube iminyaka engu-30 ngenxa izakhiwo zokuhlala kanye nokwakha iziza. Ngaphansi le sevisi hhayi kuphela kukhonjelwe okungezona zokuhlala ingcebo.

ukubolekisa Inkinga ayekile kakade ukuba isithiyo esingenakunqotshwa empilweni. Uhlelo abolekise abahlukile, okuyinto sokukhuluma kahle amakhasimende amaningi, nokusiza ukunciphisa umthwalo yokukhokha.

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