Phi ndenza mortgage refinance?

Refinance mortgage ayahlukanga evela kwimisebenzi efanayo malunga nayiphi na enye imali-mboleko. Le nkqubo kukufumana iziko lamatyala isixa semali kwi amagama kakuhle ngakumbi okuhlawula izibophelelo ezikhoyo. Ngelo xesha linye i-mboleko uyinikiweyo ongahle ufumaneke ebhankini efanayo kunye namanye amaziko zemali.

Kodwa asingabo bonke ngemali banokwenza mortgage mboleko. Iibhanki ukuba abandakanyeke imisebenzi enjalo Russian Federation, emelwe VTB 24 no Sberbank. Nangona yezemali neminye imisebenzi (ezifana mboleko imoto okanye yomboleki yeentengo zemboleko) anokufunyanwa kumaziko ezininzi zemali.

Mboleko-mboleko kukuba mboleko entsha yenziwe, isixa leyo kuhluthe yi ityala wangaphambili. Nicelwa kwempahla kwakhona ubhalise kwi umbolekisi entsha kwaye umboleki ubuyisa le mboleko sele iziko elitsha ngetyala. Ngokuqhelekileyo, lo msebenzi wenziwa, ukuba kunokwenzeka ukunciphisa amazinga enzala, imiqathango yembuyekezo okanye ukutshintsha imali yentlawulo. Umzekelo, ngohlobo lwemali amazinga mortgage phantse lonke kunonyaka engange. Noko ke, umvuzo ihlawulwa engange Russian. Ngokukhula, umzekelo, i-dollar kuxanduva-mboleko kwi-mali usapho, njengoko ufuna isixa esikhulu kwi engange ajikwa eerandi. Ngoko ke ngamanye amaxesha kuluncedo ukuhlaziya i-mboleko engange. Kusenokwenzeka babe nomdla kwakhona yobhaliso mboleko ixesha lokuhlawula elide. Bank VTB 24 ngokumalunga noku, mhlawumbi irekhodi, ukucela ixesha leminyaka engamashumi amahlanu.

Ukuqala mboleko nezivumelwano zokubambisa ngcono ebhankini, apho emise kuqala, njengoko eziliqela izivumelwano zemali-mboleko kufuneka izohlwayo uhlawule yokuqala amatyala okanye ugunyaziso lomiselo ngaphambi kwexesha nokupheliswa nezibophelelo. Ukuba ibhanki awukwazi ukunika inkonzo liboleke abanye, kunokwenzeka ukuya kwelinye iziko zemali. Ngoko kuyimfuneko ukuba ukubala malini lubekelwe ukubhaliswa-mboleko entsha, kwakunye ukufumanisa umahluko izinga lenzala. Iingcali zikholelwa ukuba mboleko akunakwenzeka ukuba izinga mtsha wahlukile kowangaphambili ngepesenti ngaphantsi kwe ezimbini.

Mboleko-mboleko senziwe ngendlela efanayo njenge credit eqhelekileyo. Natural okanye zomthetho umntu ofaka isicelo kunye mboleko evela chrezhdenie nokutshekishwa solvency yayo yangoku. Ukuba imbali yekhredithi yomntu baya ulibaziseko kwi-mboleko yokuqala, ngoko kwenye ibhanki oko ukwala uboleka, nokuba na inqanaba sezingeni eliphezulu yengeniso.

Eyona ndlela kakhulu umdla nayiphi ubolekayo ekufuneni rate. Mortgage kulo umongo kunokuba "cheap" isixhobo zemali, njengoko amazinga malunga 12.5 ekhulwini apha (umz, Savings Bank). Oku kungenxa oluninzi mboleko nokuvuthwa ixesha elide. Nangona izinga, umzekelo, inokuba 18-20 ekhulwini okanye ngaphezulu lekhredithi zentengiselwano yabathengi.