Refinancing munhu chikwereti chikwereti: sei uye kana kushandura nemabhangi

Vanhu vanoshandisa kuti chikwereti kuti anopfuura 2 years ago, nematambudziko guru zvisingafadzi isingatarisirwi muchimiro rokumusoro kufarira prices (ari chibvumirano zvakazoonekwa kuva nuance muchimucherechedza), iri muchimiro guru makomisheni pamusoro mamiriro yepurogiramu. Chokwadi, vachiziva kuti taigona chete kudzivisa nayo nokutora panze chikwereti ikozvino, ivo kushungurudzika.

Mortgage anomukweretesa hurongwa anoita kukura, mamiriro ezvinhu regai kuti dziripo zvirongwa uye zvose, asi makwikwi mauto nemabhangi kuti zvichemo.

A itsva mogeji chirongwa

Saka paiva chirongwa "refinancing chikwereti", iro pakarepo akawana vatengi vavo (10 100 anokwereta muna rimwe remasangano chikwereti mabhanga vakatora mukana izvi). chimiro ichi chibvumirano Anonziwo pamusoro-chikwereti, uye vamwe jokingly vachiti "kurambana pamwe kubhengi." Kunoitawo kuti tiwane chikwereti kubva rimwe bhanga nani. mazwi: nokuchinja rokuti, mwero, nzira mutsividzo, kuti chikwereti mari. Uye kuti abhadhare chikwereti huripo.

Kugadzirisa mortgages zvinodhura

Kuronga chikwereti cheimba chokubhadhara chikwereti nomumwe mubhengi, zvakakodzera kuti vatore mutemo magwaro uye batanidza magwaro anondibatsira. Chokwadi, kubhengi kwakachengetwa kodzero yokuramba, asi kana iwe usiri utsinye defaulters, kana pakanga pasina kunonoka, iwe havana chokutya.

Zvisinei, chinofanira kuva vakagadzirira nokuda mutengo itsva ine chikwereti nomumwe mubhengi. Mortgage refinance chikwereti achaita mari zvuru 30. Kuzora. Zvimwe mari richaperera pamusoro kuzodzosera vanyorwa kutengwa uye kutengeswa mekamuri chesungano: hurumende basa kuti kubviswa seiko kurema, kunyoresa rutsva cheefa pa Companies House. Agamuchira kubva bhanga mutsva anodiwa mari yakaenzana vamwe venyu chikwereti chikwereti, uchakwanisa chokukuripa nacho, asi anogona kubhadhara kubhangi rapfuura basa kuti mangwanani nokuripira. Asi, pasinei mari izvi zvose, yeuka kuti zvakawanda Muchaponesa nokuchinja akakweretesa, kureva Bank.

Pasinei nokuti refinancing kuti chikwereti chikwereti unotambudza chaizvo uye kujairika nokuda vokuRussia, chigadzirwa ichi akakodzera kuteererwa uyewo nokuti anopa mukwereti yakawanda kutsunga. Pashure pezvose, zvino mumwe mugari achakwanisa kushandura kubhangi, kana awana mamwe mamiriro ezvinhu akanaka, kana kuti kumanikidzwa nematambudziko zvemari.

kurumbidza

Sarudzai chikwereti anomukweretesa purogiramu kudzikisirwa chimbadzo nezvimwe zvakawanda zvakanaka mashoko kuderedza rendi: kushandura rokuti mutsividzo nzira, uye zvichida mari.

Refinancing pamba chikwereti musoro kuti kunze, kana kubva panguva mvumo chikwereti wakaitwa vaifanira 2 makore. Izvi imhaka kuripwa mubereko mumakore okutanga pashure rwokutenga, kwete chikwereti uwandu. Pashure pemakore 3-5 kuti refinancing zvinobatsira hamungagoni kunzwa chero musiyano.

Refinancing vamwe marudzi zvikwereti

Refinancing iri inopiwa Banks yechinangwa mapurogiramu chikwereti achiposa asi dzimwe nguva pane zvimwe vaitaura: zviri refinancing kuti mutengi zvikwereti, zvikwereti motokari, chikwereti mari. Mhando idzi mabasa vanofanira kushandisa kana uchida kushandura currency of chikwereti iri zvinoitirwawo kuchinja kuchikosha kana zvazvingava kusagadzikana. Vamwe mabhanga vanoda refinance uye makadhi, kupa vatengi vachikwanisa kuita nguva kubhadhara. Kana zvikwereti motokari: kazhinji yeGmail.END_STRONG panodikanwa kutenga motokari itsva, asi izwi chesungano hakusati akapfuura. Rimwe remasangano uye zvikuru mabhanga - Raiffeisen - zvinganaka inonakidza mhinduro. Client munorwira yakatengwa motokari iyo haisati vanobhadharwa vari Salon, anowana mari uye kubhadhara kwokutanga mubhadharo pamusoro chikwereti chitsva. Saka, zvinobvira kuti kutenga idzva womuenzaniso motokari. Chii vatengi zhinji uye nemabhangi kunge akafara chaizvo.

Refinancing zvikwereti chikwereti, uyewo mamwe marudzi zvirongwa, yekudyidzana zvakawedzera Portfolio rwezvemabhengi mabasa, zvinogoneka kuvandudza mamiriro ezvinhu nemhosva, ichipa sarudzo. Uye kuvonga vose makwikwi utano.