Apho ukufumana imali-mboleko ukuze ahlawule ezinye iimali-mboleko. Refinance: mboleko ukuhlawula kwenye mboleko

Lidla abantu ndikhuphe mboleko kwaye akakwazi ukuhlawula nayiphi na isaziso ukuvela iinkqubo ezintsha, nenzuzo nto, abanomdla umbuzo: apho ukufumana imali-mboleko ukuba ahlawule kwezinye mboleko? Kwiindidi umdla eziwa ngexesha elifanayo abanini-mboleko ezininzi ngetyala, eyenzelwe ngamaxesha ahlukeneyo kunye neemfuno ezahlukeneyo. Oluvela yomthwalo lwamatyala kunye ukothula lo mali ziye wenza umbulelo ukuba inkonzo ekhethekileyo zebhanki, eyaziwa ngokuba mboleko. Isiphakamiso isekelwe phezu intlawulo kwamatyala ezindala ngokusebenzisa imali-mboleko entsha, obonelela iimeko zivuma ngakumbi ubambiswano.

Ziziphi iingenelo ekukhutshweni kwemali iibhanki azakuyifumana?

Ngenxa yokuba inani labantu abanomdla umbuzo apho ukufumana imali-mboleko ukuba ahlawule ezinye iimali-mboleko, ukwandisa mboleko uba ifumaneka liyanda inani yeebhanki.

Inikela kuphela Anaki kwicandelo zemali njenge "Savings Bank", "VTB 24" yaye "Gazprombank", kodwa noogxa babo amancinci. Kumlo amaziko nokuba microfinance bayabandakanyeka ukuba umthengi. Umsebenzi amaziko zemali ezinxulumene izinto ezahlukeneyo. Zezi:

• Le ukudodobala noboleka kwi abathenga.
• Okwehlileyo kubaboleki credit-esemgangathweni.
• Ukukhula kwenani kungagqitywanga kunye neentlawulo emva kwexesha.

kutsala abathengi

Mboleko ikuvumela ukuba nomtsalane abathengi ukuba ubambiswano, abo bahlawula ngexesha kwaye ekuhambeni kwexesha, kodwa ngaphambili wakhupha inzuzo credit encinane. Nika up ithuba ukuba omnye umntu abe umxhasi elungileyo akafuni naliphi na iziko wezezimali. Kuba kubaboleki nga kuthathelwa ingqalelo into entle kukuba xa iziko ngokwezimali bazi ukufuna iindlela refinance mboleko yakho, oko ngokwaso izama ukugcina abathengi, idini sokwakha ngokutsha eli tyala. Umntu uba ekhoyo inkqubo mboleko okuhlawula amatyala phakathi ibhanki efanayo.

iimbono ezintsha

Bank mboleko, imali-mboleko ukuze ahlawule omnye mboleko, wenza ekhoyo phakathi iinkonzo bhanki ngo-2011, ngoko nangoko emva kwi-Code Civil izilungiso. Uyakwazi refinance ityala yongeza izohlwayo yayo ukurhoxiswa kwentlawulo ngaphambi kwayo. Kwanele ukuthintela iziko zemali iintsuku ezimbalwa. Eli xesha kuyimfuneko ekube- ityala ngokungqinelana nomthetho, nto leyo iya kuthathela ingqalelo uhlobo lwentlawulo: annuity okanye umohluko.

Yintoni onika refinance?

Xa mboleko umthengi ibhanki uyakwazi ukucombulula ngexesha elifanayo inani imiba ebalulekileyo ngokwabo. Ukuba akunakwenzeka ukuba ukwehlisa izinga lenzala, esizokwenza ukunciphisa isixa esipheleleyo ematyaleni, kukho ithuba ukutshintsha ubungakanani intlawulo yenyanga ukunciphisa. Kungenjalo, endaweni mboleko ezininzi ukuhlawula omnye kakhulu nenzuzo. Ukufumana imali-mboleko ukuze ahlawule omnye ekhoyo kunye nokwanda ukufana ubukhulu mboleko. iimali ezongezelelweyo basoloko eluncedo kakhulu. Imfuneko yenkonzo luqokelelane ngenxa hexa lwezinye iintlobo zemali, xa utshintsho ke kukhokelela ukuyilwa ezigqithisileyo. Ukufakwa lwemali omnye komnye mboleko kunokuba luncedo.

Iibhanki bengaxeli ngobambiswano, njengoko akukho unqwenela niwuzalise nasinye isixhobo yayo kwamatyala ezingaqhubi kakuhle. Ukungxamiseka umba kunye neenkonzo, apho ukufumana imali-mboleko ukuba ahlawule ezinye iimali-mboleko, ukuba ukujonga utshintsho xa kwenzala ye-Central Bank. Kwiminyaka embalwa edlulileyo yokwenyani umyinge wenzala idlula ngamanqaku 5-7. Ukuba sithethe malunga nezivumelwano zokubambisa, lo egqithisileyo ekupheleni isivumelwano semali-mboleko iza kuba kubalulekile.

ndifanele isicelo nini yokubolekisa?

Mboleko ibonelela ngoncedo ezithile akasoloko, kodwa kuphela phantsi kweemeko ezichazwe ngokungqongqo. Ukusebenzisa le nkonzo iza kuba ezifanelekileyo kwale miqathango ilandelayo:

• Ukuba kukho iprogram mboleko ixesha elide (iminyaka emi-5).
• Umahluko phakathi eziziprayimari umlinganiselo omtsha kufuneka ubuncinane 2-3%. Akukho uthunywa, imirhumo, inshorensi kunye nezinye iindleko ezongezelelweyo akwenze.
• amatyala engange hayi ngaphantsi kwe kwesigidi esi-1. Kungenjalo, ityala yamphako kufuneka ibe ngaphantsi kwe-30% etyala iyonke.
• Ukuba ngomhla yesivumelwano sokuqala sele iinyanga ezi-6.
• Ngaphambi kokuba isiphelo isivumelwano semali-mboleko kukho ngaphezu kweenyanga ezi-6.

Ngaphambi kokuba siqwalasele apho uthathe imali-mboleko ukuba ahlawule ezinye iimali-mboleko, kufuneka ukhumbule ukuba ulawulo esisiseko eyile: elide nexesha ligqithile ukususela ukutyikitywa lokuqala sivumelwano semali-mboleko, kokukhona kufuneka umahluko phakathi irhafu.

Ziziphi iibhanki sihambise iimeko kuFeliks mboleko, okanye apho athathe mboleko ukuhlawula ezinye mboleko?

Service mboleko mboleko aqhelekile kakhulu kwicandelo logcino. Phakathi inani elikhulu labantu Iziphakamiso kufuneka sinikele ingqalelo inkqubo amaziko zemali zilandelayo:

• "RosEvroBank". Refinance mboleko, phambi kokuphela apho kukho ngaphezu kweenyanga ezi-3. kufuneka ibe ngaphezulu kweenyanga 9 umhla wokubhalisa mboleko. Kuba mboleko kunye mali, i-Bank inika umyinge we-17% ukuya kuma kwiminyaka emi-5. Le mali iphezulu avumelekile mboleko uyalingana ukuya kwenye kunye nesiqingatha sesigidi. Ukuqwalaselwa isicelo iya kwenziwa zingadlulanga iintsuku ezimbini. Ngabathengi umlando entle ngetyala iminyaka ubuncinane 2, umlinganiselo kwi mboleko osetyenziswayo ukuyibuyisa enye imali-mboleko uza kuba ingongoma ngaphantsi kwe omnye, kodwa ngokuxhomekeka kumgaqo izibambiso.

• "SibRegionKreit". It ufuna refinance mboleko, eyenzelwe iinyanga eziyi-8 eyadlulayo ngexesha lokunikezelwa kwesicelo. Imvumelwano kwi mboleko kufuneka ipheliswe ngaphambi kwama-90. rates Inzala ingahluka ukususela nge-16 ukuya kwi-18%, ngokuxhomekeke kwiimeko ubambiswano. Umqulu we mboleko ekungabonini ukusuka 90 amawaka engange kwi 1.5 million engange. Ixesha yentsebenziswano ibe ukusuka ku-1 ukuya 5. ubungqina bengeniso ezifunekayo. Ukuqwalaselwa isicelo lwenziwa iintsuku akukho ngaphezu-5, yaye isigqibo esifanelekileyo esemthethweni ngenyanga 1.

Ukunikezwa ukusuka 'Savings Bank "

Ukufunda umbuzo ukuba nendlela apho imali-mboleko ukuze ahlawule omnye mboleko, kufuneka ufundisise ngenyameko isindululo amaziko zemali ezinkulu - Sberbank. Njengenxalenye ebhankini inika format ezimbini intsebenziswano. Oku kukunikezelwa mali ukuhlawula imali-mboleko, wabulawa kwenye ibhanki ukwenzela ukuthenga okanye ukwakhiwa kwezindlu eRashiya. Ixesha lokubolekisa kuba neminyaka engama-30. Rate kwi mboleko, ngokuxhomekeke kwiimeko lwentsebenziswano phakathi 15.25% nangaphezulu. Sberbank inika iinkqubo ezahlukeneyo kwetu kuphela nezivumelwano zokubambisa kodwa mboleko abathengi abaphuma kwezinye iiBhanki. Mboleko kungabonakali ezinye mboleko kwi-5. Ixesha apho iimali zingenziwa zifumaneke, hayi kwiminyaka engaphezu kwama-5. Izinga 18.5% kunye ngaphezulu.

Indlela ukukhetha ibhanki ukuba refinance?

Ukufunda umbuzo ukuba njani imali-mboleko ukuhlawula imali nenye ibhanki, kufuneka sinikele ingqalelo inzuzo yabo. Phambi kokuba angene kwisivumelwano intsebenziswano a, kufuneka uhlole ukuba ngaba iziko mali iya kuba nakho ukubonelela iimeko enye okanye ngaphezulu:

• Ukwandisa okanye ukunciphisa ngexesha mboleko.
• Ukunciphisa intlawulo yenyanga.
• Ubukho nkqubo, njengoko apho wokuqala uyakwazi ukuhlawula kuphela umdla kwi-mboleko, uze uqhubeke kweembuyekezo isixa eyintloko ematyaleni.
• Ekutshintshweni kwemali enye kwenye mboleko.
• Ukuba ithuba ekuboneleleni isibambiso ngenxa mboleko ukuba iimeko ezingcono yobudlelane okanye ngendlela ukwandisa imali yedipozithi.

Yintoni ufune?

Fumanisa ukuba yintoni na ibhanki inika mboleko ukuba ahlawule ezinye iimali-mboleko, kufuneka ukuba bahlole ingcinga ephilileyo ukukwazi kwabo ukubhatala, ukuze ukhethe icebo kuFeliks ngetyala. imeko olufunekayo ngentsebenziswano bhanki kweli cebo - yinto esisigxina umthombo wengeniso, ingakumbi, umsebenzi kwindawo enye ubuncinane kangangeenyanga 3-6. Ixesha le mboleko iza kuxhomekeka kumthamo. Ukuba umxhamli ebhankini lunomvuzo omncinane, kufuneka anike intsebenziswano kuqalwe kunye ingeniso elungileyo, kodwa hayi ngaphantsi kunolo client.

Qonda apho uthathe imali-mboleko ukuba ahlawule ezinye iimali-mboleko, kwangaphambili kufuneka alungise iphakheji uxwebhu, apho phantse ayahlukanga ukususela oko kuyimfuneko ukuze ubhaliso lwe-mboleko yokuqala. Umsebenzi kweebhanki kweli cala liyaqhubeka, kwaye nabathengi ngxaki, kodwa kweemeko ezilawulwa yengqongqo yona ngakumbi.