Apo ini anogona refinance mogeji?

Refinance chikwereti haana kumbosiyana kubva zvakafanana mabasa rusarura chero chikwereti. nzira iyi ndeyokuti tiwane kadhi sangano nemari iri nani. anoreva chemhosva nokuda yaivapo mitoro. Panguva iyoyowo yepakutanga chikwereti inogona kushandisa imwe mubhangi uye mamwe masangano zvemari.

Asi kwete vose Lenders anogona kupa mogeji refinancing. Banks kuti vari kuita kwacho muna Russian Federation, huchimiririrwa VTB 24 uye Sberbank. Nepo refinancing vamwe remapazi (akadai motokari chikwereti kana mutengi chikwereti) anogona kuwanikwa mari nemasangano akawanda.

Refinancing munhu chikwereti ndechokuti chikwereti mutsva unoitwa, Verengai uko inodzimurwa yapfuura chikwereti. Rubatso pfuma apiwa kunyoresa pamusoro akakweretesa itsva uye anokwereta anotsiva kuti chikwereti ichitova itsva chikwereti sangano. Kazhinji, kuvhiyiwa ichi rinoitwa, kana zvichibvira kuderedza kufarira rates, nokuripira mashoko kana kushandura currency kuti muripo. Somuenzaniso, muna mari yacho chikwereti prices vari dzinenge nguva dzose kudzika kupfuura rubles. Zvisinei, mubayiro vanobhadharwa vari rubles Russian. With kukura, somuenzaniso, mari ikawanda chikwereti mutoro pamusoro mhuri bhajeti, sezvo iwe unofanira yakawanda iri rubles dzikwanise madhora. Saka dzimwe nguva zvakanaka kuti vadzokorore chikwereti mu rubles. Kungavawo kufarira kunenge vanyorwa chikwereti kwenguva nokuripira nguva. Bank VTB 24 Panyaya iyi, zvichida zvinyorwa, kupa vaifanira kwemakore mashanu.

Chokutanga refinancing mortgages nani mubhangi, apo Pakutangatanga kuumbwa, sapamazuva zvinoverengeka chikwereti zvibvumirano vane Zvirango kuti mangwanani mutsividzo muzvikwereti kana moratorium pamusoro vakurumidze kugumiswa mitoro. Kana mubhengi asingagoni kupa basa achiposa zvinokwanisika kuenda kune imwe yunivhesiti zvemari. Saka zvinokosha kuverenga sei zvikuru zvichaita nomutengo vanyorwa chikwereti idzva, uyewo kuona chimbadzo differential. Nyanzvi dzinodavira kuti refinancing zvisingaiti kana nhamba itsva yakasiyana yapfuura mumwe asingasviki maviri muzana.

Refinancing munhu chikwereti chakaitwa nenzira sechiero zvikwereti. Natural kana zviri pamutemo munhu ichizviisa kushanda uye chikwereti kubva chrezhdenie achaongorora kwayo solvency ano. Kana munhu chikwereti nhoroondo vakapinda kunonoka musi yepakutanga chikwereti, zvino rimwe bhengi zvinogona kuramba anokweretesa, kunyange kana ine zvakakwana yakakwirira azvipire mari.

The dzinonakidza zvikuru chingaitwa chero anokwereta ari refinancing zvazvingava. Mortgage muchirevo chechinyorwa chino ndiko nani "zvakachipa" zvemari tambo, sezvo prices anenge 12,5 muzana ino (semuenzaniso, mari Bank). Izvi imhaka yakawanda zvikwereti uye kwenguva refu kukura. Nepo mwero Somuenzaniso, kungava 18-20 muzana kana kupfuura ari nevatengi nechikwereti kwema.