Apo kuti chikwereti abhadhare zvimwe zvikwereti. Refinance: chikwereti abhadhare mumwe chikwereti

Kazhinji, vanhu vane mutemo chikwereti chacho uye havagoni kumubhadhara chero Cherechedzai kwaita, mari yakawanda zvirongwa zvitsva, kuziva mubvunzo: apo kuti chikwereti abhadhare zvimwe zvikwereti? Vari kufarira Categories kuti kuwa panguva varidzi anoverengeka zvikwereti chikwereti, yakagadzirirwa panguva dzakasiyana uye zvinodiwa zvakasiyana. Optimization kwemutongo mutoro uye vachidzikisa pamusoro bhajeti zvakagadziridzwa yokukosha rwezvemabhengi basa, rinozivikanwa refinancing zvinobvira kuvonga. The zvakataurwa inobva chemhosva yekare zvikwereti achishandisa chikwereti itsva, iyo inopa mamwe mamiriro ezvinhu akanaka pamusoro pakudyidzana.

Ndezvipi zvakanakira refinancing nemabhangi kuwana?

Nokuti chokuti nhamba yevanhu vaifarira mubvunzo kupi kuti chikwereti abhadhare vamwe zvikwereti, kuwedzera refinancing anova rinowanika vakawanda mabhanga.

Rinopa kwete chete mari nemauto Hofori dzakadai "nemari Bank", "VTB 24" uye "Gazprombank", asi vazvo duku. Mukurwa kunyange zvitsva zvokukweretesa zvikoro zvinobatanidzwa kuti mutengi. Basa mari nemasangano chokuita zvakasiyana zvinhu. Ivo:

• The slowdown mu anokweretesa ari chitoro kumusika.
• Akaderedza chikwereti-unhu anokwereta.
• Kuwedzera kwenhamba defaults uye nokunonoka kubhadhara.

kwezva vatengi

Refinancing unokubvumira kukwezva vatengi kuti Kudyidzana, vanobhadhara pamusoro nguva uye nenguva, asi kare atara zvishoma kubatsira chikwereti. Tipei mukana kutsausa munhu kuva nemhosva akanaka haadi munhu sangano zvemari. Nokuti anokwereta anogona kunzi zvakanaka ndechokuti kana chevanorwara zvemari zvava kuziva kutsvaka nzira refinance chikwereti yenyu, zviri pacharo kuedza kuchengeta vatengi, kupa kuti kugadzirisa chikwereti. The yeGmail.END_STRONG anova iripo chikwereti kubudiswa nokuda chemhosva zvikwereti mukati chete bhengi.

maonero matsva

Bank refinancing, kuti chikwereti abhadhare imwe chikwereti, zviwanikwe pakati basa pamahombekombe muna 2011, pakarepo pashure muna Civil Code akanga Akave nokuvandudza. Kukwanisa refinance ayo chikwereti vaisanganisa kukanzura Zvirango kuti vakurumidze kubhadhara payo. Zvaringana kudzivirira chevanorwara zvemari kwemazuva mashomanana. nguva ino zvakafanira recalculate chikwereti maererano mitemo, izvo zvichaita kufungawo mhando vachibhadhara: pagore negore kana kusiyaniswa.

Chii anopa refinance?

By refinancing bhangi mutengi anokwanisa kugadzirisa panguva dzinoverengeka dzinokosha pachavo. Kana hazvibviri kuderedza chimbadzo, izvo raizoita kuderedza yaipedzerwa chikwereti, pane mukana kushandura ukuru rendi kutapudzwa. Nerumwe, panzvimbo vakawanda zvikwereti kubhadhara zvikuru zvisingabatsiri mumwe. Kuwana chikwereti abhadhare mumwe rinowanikwa chete yakafanana kuwedzera chikwereti kukura. Zvimwe mari kakawanda chaizvo. Kudiwa basa achiumbwa nokuda volatility pamusoro mari, kana kuchinja nzira kunotungamirira kuti paumbwe overpayments. Replacement imwe mari kune mumwe chikwereti kunogona kuva kunobatsira.

Banks vachizengurira pakudyidzana, sezvo asingadi kuti muzadze ayo zvombo vasiri kuita zvikwereti. The yapera nyaya uye mabasa, apo kuti chikwereti abhadhare dzimwe zvikwereti, kusarudza kuchinja mu mubereko prices of Central Bank. Makore mashoma apfuura chaiye chimbadzo runopfuura nokuda 5-7 points. Kana isu nezvazvo mortgages, kuti overpayment pakupera chikwereti chacho chibvumirano achava zvinokosha.

Kana ndichifanira inoshandawo anomukweretesa?

Refinancing rinopa abatsirike kwete nguva dzose, asi chete mumamiriro ezvinhu zvachose kunorondedzerwa. Uchishandisa mabasa zvichava kuhupenyu zvinotevera ezvinhu:

• Kana paine nguva refu chikwereti chirongwa (5 years).
• Musiyano zvikuru uye nhamba itsva inofanira kuva kanenge 2-3%. No makomisheni, mari, inishuwarenzi nezvimwe mamwe mari kwete kuita.
• chikwereti kwete zvishoma pane mamiriyoni 1 rubles. Neimwe nzira, ari hombodo chikwereti anofanira asingasviki 30% of zvachose chikwereti.
• Kana musi kwokutanga chibvumirano kwave zvinenge 6 mwedzi.
• Pamberi kuguma chikwereti chibvumirano pane zvinopfuura 6 mwedzi.

Usati funga apo unogona kutora chikwereti abhadhare zvimwe zvikwereti, unofanira kuyeuka inokosha ushe: Kureba nguva kubva pakatsaurirwa kutanga nemasaini ari chikwereti chibvumirano, chikuru anofanira kuva musiyano pakati prices.

Chii mabhanga kupa kupfuura akanaka refinancing mamiriro, kana apo kutora chikwereti abhadhare zvimwe zvikwereti?

Service refinancing zvikwereti yakatekeshera zvikuru rwezvemabhengi zvekutepfenyura. Pakati kuwanda vaitaura vanofanira kuteerera chirongwa inotevera zvikoro mari:

• "RosEvroBank". Refinance zvikwereti, asati yapfuura izvo kune vanopfuura 3 months. chikwereti kunyoresa musi hakufaniri pazero 9 months. Nokuda kwezvikwereti pamwe rubatso, kuti Bank anopa pamwero 17% kusvika 5 years. Kufadza zvinobvumidzwa chitsama chikwereti akaenzana imwe nehafu mamiriyoni. Pokukurukura chikumbiro anofanira kuitwa mukati memazuva maviri. Vatengi vane zvakanaka chikwereti nhoroondo zvinenge 2 years, mwero iri chikwereti inoshandiswa kubhadhara chimwe chikwereti achava asingasviki imwe nguva, asi pasi nourongwa anondibatsira.

• "SibRegionKreit". Rinopa kuti refinance zvikwereti, rakagadzirirwa dzinenge 8 ago panguva pasi chikumbiro. The Chibvumirano pamusoro chikwereti anofanira wakagumiswa hapana yapfuura pane mazuva 90. Kufarira rate anogona dzinosiyana 16 kusvika 18%, zvichienderana nemamiriro ezvinhu ose pakudyidzana. Vhoriyamu chikwereti ingabva 90 zviuru rubles kusvika mamiriyoni 1,5 rubles. Nguva yose Kudyidzana zvingava 1 kusvika 5. The uchapupu mari zvinodiwa. Pokukurukura chikumbiro rinoitwa kuti usisiri pane 5 mazuva, uye zvakanaka sarudzo chinoshanda kuti 1 mwedzi.

NHAURWA SHUMIRA kubva "nemari Bank"

Kudzidza mubvunzo sei uye kupi kuti chikwereti abhadhare mumwe chikwereti, unofanira kunyatsofunga kudzidza pfungwa makurusa mari masangano - Sberbank. Sechikamu kubhangi anopa mbiri Panodyidzanwa format. Ndiro urongwa mari kubhadhara chikwereti, akaurayiwa rimwe bhengi nokuda kutengwa kana kuvakwa kwedzimba muna Russia. Anomukweretesa nguva kunogona kuva makore 30. Rate pamusoro chikwereti, zvichienderana nemamiriro ezvinhu ose pakudyidzana riri pakati 15.25% uye yakakwirira. Sberbank anokupa vakaparadzana zvirongwa kudzikinurwa kwete chete mortgages asiwo zvikwereti nevatengi nezvimwe mabhanga. Refinancing anogona kufukidza zvimwe zvikwereti dzinenge 5. Nguva iyo mari inogona kuwanikwa, kwete nemakore anopfuura 5. Mwero 18.5% uye yakakwirira.

How kusarudza bhanga kuti refinance?

Kudzidza mubvunzo sei kuti atore chikwereti kuti kubhadhara chikwereti nomumwe mubhengi, unofanira kuteerera kwavo pachavo vabatsirwe. Usati kupinda imwe pamwe chibvumirano, unofanira kuongorora kana tsika zvemari vachakwanisa kupa mumwe kana kupfuura mamiriro:

• Kuwedzera kana kudzikisa chikwereti nguva.
• Kuderedza rendi.
• Kuvapo chepurogiramu, maererano iyo wokutanga anogona kubhadhara chete yechimbadzo chikwereti, uye vobva vaita chemhosva huru huwandu chikwereti.
• Kutsiviwa mumwe mari mumwe chikwereti.
• Kuva mukana pakupa rubatso chikwereti kuwana zvinhu nani pakudyidzana kana nenzira yakadaro kuwedzera chitsama dhipoziti.

Chii kunotsvaka?

Tsvaga chii kubhangi anopa chikwereti abhadhare zvimwe zvikwereti, unofanira nekururama kuongorora kugona kwavo kubhadhara, kusarudza kupfuura zvakanaka chikwereti zano. Fanira chimiro pakudyidzana pamwe pamahombekombe pazano ichi - ndiko wechigarire tsime mari, zvikurukuru, basa iroro nzvimbo dzinenge 3-6 mwedzi. Izwi iri chikwereti achavaponesa vhoriyamu. Kana bhanga mutengi ane mari yakaderera, inofanira kupa co-signer vane mari zvakanaka, asi kwete zvishoma kupfuura nemhosva.

Kunzwisisa apo unogona kutora chikwereti abhadhare vamwe zvikwereti, pachine vanofanira kugadzirira mapepa pasuru, izvo chaizvo hakuiti kwakasiyana nezvaiva zvakakodzera kuti kunyoresa chezvinhu chikwereti. Basa Banks mirayiridzo iyi riri kuitwa, uye dambudziko nemakasitoma, asi zvikuru inoomesera ezvinhu.