Kodi n'zotheka refinance ngongole ndi zoipa ngongole mbiri? Kodi refinance ndi zoipa ngongole mbiri?

Kupanga "chachikulu ndi mtengo" ngongole, borrowers ambiri alibe amati angayembekezere tsoka kwa opereka sanali. Koma nthawi ikamapita, ndipo panthawi ina akukumana ndi mavuto a zachuma. mbiri Mawu kwathunthu asokoneza, ndi mangawa kuyamba kukula ngati snowball a. Pankhaniyi, njira yabwino adzakhala kwa refinance ngongole ndi zoipa ngongole mbiri. ndi utumiki chiyani? Ndipo kodi kupeza ofunitsitsa defaulters?

Kodi oipa review ngongole zanu mbiri pa chisankho gombe la?

Si chinsinsi chachikulu cha chakuti pali kusakhulupirirana ya akubwereketsa mabungwe makasitomala awo atsopano kapena nzika osadalirika. Makamaka, tikulankhula za borrowers, amene pazifukwa zina mavuto mbiri ngongole. Kuti akhale mwala wotsiriza lonse, amene zidzayambitsa preponderance si mokomera wokongolayo. Komabe, borrowers ndi makhalidwe oipa ndi mwayi refinance ndi zoipa ngongole mbiri. Kodi izi ndi zotheka?

Kodi ngongole refinancing?

Choyamba, tiyenera ananena kuti refinancing ndi inayake banki utumiki limene limathandiza borrowers kukweza mawu pachiyambi ngongole kupembedzera kwawo. Ndithudi, izi sizikutanthauza kuti kulemba ngongole yanu. Komabe, chifukwa utumiki uwu kwa defaulters ndi mwayi wawukulu kupeza ndemanga za mgwirizano ngongole. Mukutanthauza chiyani?

Mu mawu osavuta, wobwereka adza kwa bungwe kukongoza ndi kufunsa kuti akapereke refinancing ngongole. Kumene, chifukwa iye ayenera kukhala ndi zifukwa zabwino kwambiri ndi umboni. Mwachitsanzo, chifukwa ngozi kapena masoka achilengedwe, anataya malo ake okha. Iye maganizo ntchito, iyeyo anavulala pa ntchitoyo, maganizo, etc.

Zikatero, banki akuchita refinance ngongole ndi zoipa ngongole mbiri. Ie akuwatambasula ngongole ndipo potero kuchepetsa kuchuluka kwa malipiro pamwezi kuti agwirizane ndi kasitomala panopa mphamvu ndalama.

Refinancing ndi kuchitidwa ndi mabanki ena, mabungwe ndalama zina kuposa wobwereketsayo. Ndondomekozi Cholinga chake kukopa ndipo mawu osavuta, 'poaching' makasitomala ku mpikisano. Ngongole amenewa kutengedwa monga "Kuyamikira pansi sakanizani" (ya ngongole angapo ogula ngongole ndalama, makhadi) ndi ngongole zazikulu (zanyumba ndi ngongole galimoto). Pa lomwelo amamvetsera mabanki kupanga pamene refinancing ngongole ndi zoipa ngongole mbiri ndipo aliyense wa iwo akhoza kutenga utumiki uwu?

Amene mabanki ndi refinancing pulogalamu?

refinancing mapulogalamu ntchito ku mabanki ambiri Russian. Iwo ali mu mabungwe monga:

• Sberbank la Russia (nyumba ngongole ndi ngongole ogula kwa refinancing);
• VTB24 (refinancing ngongole ndalama, makhadi ngongole galimoto ndi ngongole ndalama);
• "Rossselhozbank" (ogula ngongole);
• "Alfa-Bank" (ndi kubweza), ndipo ena.

"Ndiwuzeni ine kumene inu anatenga ngongole, ndipo ine ndikuuzani inu ndinu amene"

Choyamba, choti banki, bungwe ngongole adzakhala kumene wamangawa anatenga ngongole. Ndipotu, mbiri si borrowers, komanso mabungwe a zachuma. Ndipo kukhala oona mtima, ena a mabanki ali mthunzi yaitali imagwera kusadalirika. Komanso, chifukwa cha ngongole mbiri zowonongeka wa wobwereka mwina banal woyang'anira banki zolakwa, mwangozi osokonezeka maina, etc.

Kutsimikizira izo ndi zoona, ngati wobwereka ndi 100% wotsimikiza za wosalakwa. Kuti zimenezi zitheke, pamaso chotsatira refinance ngongole ndi zoipa ngongole mbiri, muyenera kulankhula ndi amasinthira TSBKI kapena malo (ngati inu mukudziwa IQ anu akunena kuti aliyense). Ndiyeno, podziwa wokongoza aipsa nkhani yanu, ife tikhoza kutsimikiza wosalakwa kukhoti. Kenako, ndi chiweruziro ndi umboni wa mbiri, tikhoza kugwiritsa ntchito ku Bank.

N'chimodzimodzinso mwachinyengo ndi ngongole, mwachitsanzo, ngati inu kukhala kapolo wa chinyengo, mwapereka ngongole pa dzina lanu.

Ndalama, nthawi ndi zimayambitsa insolvency

Pamaso ndikukuuza zokhudza momwe refinance ngongole ndi zoipa ngongole mbiri, banki ndithu kuyesa kupeza chifukwa cha sanali malipiro anu. Makamaka oimira mabungwe a zachuma khalani ndi chidwi mfundo zotsatirazi:

• kuchuluka kwa sanabwezere;
• pafupipafupi sanali malipiro (momwe zonse ali);
• Kodi mawu a ngongole yanu (tsiku, mwezi, miyezi iwiri, chaka);
• kwa nthawi yayitali bwanji malipiro (mwezi kapena iwiri, etc.) yachedwetsedwa.

Childs, pang'ono ngongole (ndi kamodzi sanali malipiro) si chakupha, choncho ndi borrowers angayembekezere refinance ndi zoipa ngongole mbiri. Koma bwanji ngati muli anabweretsa "wakuda mndandanda" dodgers ndipo anakana refinance?

Mungasankhe kuti athetse vutoli ndi "mtengo" ngongole

Ngati muli anakana ku mabanki angapo, pokumbukira wosadalirika wanu, musati kuwaza phulusa kumutu. Pali zambiri njira zina zina. Mwachitsanzo, inu nthawi zonse sinditsata kuti mabanki zazikulu ndi ang'ono. Choyamba, monga ulamuliro, alibe kusowa kwa makasitomala, kotero ifenso kusankha-opereka sanali. Small monga mabungwe ngongole (mwachitsanzo, "Tempbank") akumenyana aliyense kasitomala, choncho kwambiri wokhulupirika ndi opereka sanali.

Komanso, ngati inu sangathe kupanga refinancing ngongole ndi zoipa ngongole mbiri kubanki, inu nthawi zonse ntchito misonkhano ya mabungwe osakhala banki. Zimakhala MFIs. Iwo alinso wokhulupirika kwa makasitomala, koma owayimilira musati Nthawi zambiri yambiri kauntala choyamba.

Pa chithandizo koyamba mukhoza kupeza za 4 000-10 000. Ngati ngongole ya N'chimodzimodzinso ndi nthawi, kuchuluka ngongole udzakhala wautali. Zabwino kuti zikhoza amafunika MFI - miliyoni 1-2 rubles. Mosiyana ndi mabanki mabungwe microfinance kongoletsani ndalama yochepa, ndi kuchuluka kwa ntchito za ngongole ngati ndi apamwamba kwambiri.

Ngati wasankha chimene chirichonse chinali kuti apereke kwa refinance banki, ndiye kuti chitetezo mungapereke ina ya yokhulupirika. Kapenanso, inu mukhoza kufuna misonkhano ya belo.

Mwachidule, kupeza njira yothetsera vutolo, ngati n'koyenera, mukhoza kukhala. Izo mungafunire.