Refinancing ngongole mu ndalama Bank, galimoto ngongole: ndemanga. Kodi ndingathe pa kukongoza ku Bank ndi ndalama?

ngongole processing - ndi chophweka njira kugula katundu kuti inu simungathe kugula mwakamodzi, ndipo ndalama. Komabe, si nthawi zonse bwino. Nthawi zambiri ngongole yaitali akusinthika mu ukapolo weniweni, chifukwa wobwereka ndi analephera kubweza iwo. Mu nkhani iyi, udzu kumira munthu refinancing Sberbank. Kodi zikuchitika motani izo? Ndipo kodi zinthu? Ndi kulankhula pa.

Mwachidule akubwereketsa

Refinancing ndi ngongole latsopano limene lili luso ngongoleyo akale. Pankhaniyi, ngongole yapita ayenera kachiwiri anakonza zoti ndalama zambiri, ndi ku bankiyo. Ngakhale mapologalamu oterewa alibe onse mabungwe ngongole, iwo ali mu ndalama Bank of Russia. Mmene refinancing ntchito Bank ndalama, adzatiuza zambiri.

Program kuti refinance ngongole Sberbank

Pa mfundo imeneyi ndi ndalama Bank, zotsatirazi mapulogalamu ngongole:

• refinancing nyumba ngongole;
• ogula ngongole kwa refinance.

Kodi mtundu wa pulogalamu ndi refinancing cha ngongole kubweza?

Ngati muli ndi lalikulu ndi lolemera kwambiri kubweza ngongole, n'zomveka kusankha refinancing ngongole kwa Sberbank. Pankhaniyi, pulogalamu lakonzedwa osati kwa alipire zonse za "mtengo" kubweza, komanso kupeza ngongole watsopano pomanga nyumba kapena nyumba pa pempho (anapereka kuti mupeze chilolezo kwa lamanja la umwini). Choncho, ndi zikhalidwe za ngongole imeneyi chiyani?

Pofotokoza zinthu ngongole, ife mwachidule kwambiri. Choyamba, ngongole chikuperekedwa ndalama dziko ndi kuchuluka kwa osachepera 300 000 rubles. Nawonso kwambiri kuti tingayembekezere, popeza mu ndalama osati choposa 80% wa mtengo okwana nyumba yogonamo sekondale kapena chachikulu - nthawi, ndipo palibe kuposa ndalama zotsala za ngongole zanu ngongole yapita - awiri. Mwa njira, pamene kupereka ina chiwerengero cha ngongole ndi si upambana 80% kuwunika akatswiri.

Kachiwiri, refinancing kumafuna Sberbank kubwereka popanda amalipiritsa mwambo kwa issuance wa zaka 30.

ndi chiwongola dzanja kwa kubweza refinancing chiyani?

Kukula mlingo pa pulogalamu kubweza refinancing ku Bank ndi ndalama zimadalira anafuna nthawi pazipita kwa opereka ngongole, komanso ngati ndinu kopeleka malipiro kasitomala wa bungwe ndalama. Mwachitsanzo, pamene nthawi ya zaka 10, kukula kwa mitengo pa ngongole makasitomala kopeleka malipiro adzakhala 13,75%, mpaka zaka 20 - 14%, ndi 30 - 14,25% pa annum. Mu nkhani ngati simuli ndi kasitomala Sberbank ndi kukonza ngongole kwa nthawi yoyamba pano, omasuka kuwonjezera pa mlingo pamwamba m'munsi akadali pa 0.5% pa annum.

ndi zofunika kubweza chiyani?

Ngati inu mukufuna kuti mutenge refinancing ku Bank ndi ndalama, kukhala okonzeka kumuthandiza ina. Monga n'zotheka kupereka mwakonzeka kapena tikukonza nyumba, umene wakhala kale ndi kubweza ngongole unayambitsidwa. Kapena mungapeleke belo ina chuma chamtengo wapatali, kupelekedwa ndi kuchuluka lofanana ndi ngongole ya. Ngati n'koyenera, m'malo mwa nkhani kuonetsetsa muli ndi ufulu kupanga gawo la rubles osachepera 3 miliyoni.

Insurance: koyenera kapena ayi?

Posankha mgwirizano refinance ngongole ku banki ndalama kukonzekera inshuwalansi mokakamizidwa. Makamaka, muli kutsimikiza kubweza wanu katundu kuvulaza, kusowa kapena chiwonongeko cha masoka achilengedwe. Akuti inshuwalansi zimadalira mawu a pangano lanu ngongole.

Kodi n'zotheka refinancing ku Bank ndi ndalama, ndi kwa yani?

Refinancing kwa Russia n'zotheka, koma pokhapokha iwo kutsatira malamulo a banki. ndi malamulo amenewa ndi chiyani? Mwachitsanzo, pa nthawi ya ntchito ngongole muyenera kukhala pansi ndi zaka 21, koma osati zaka zoposa 75. Muyenera kukhala chochitika theka-pachaka ntchito panopa ndi utali wonse wa m'mbuyomo zaka 5 - 1 chaka.

Komanso, kubweza refinancing amafuna nkhani ya osachepera atatu Co-borrowers. Izo zikhoza kukhala anthu kuthupi, koma ndi ndalama lolingana kukula pazipita ngongole kubanki. Mmodzi wa co-borrowers ndi mnzanuyo malamulo kapena mkazi akhoza kuchita.

zikalata zomwe zifunika kuti kalembera?

Kuyankha funso waukulu, "ngati mukhoza refinancing ku Bank ndi ndalama," tikunenazi. "Inde, inu mukhoza." Pamene kugwilizana malamulo a banki ndi zolemba izi:

• zitupa;
• zikalata choyambirira kubadwa kwa ana (ngati);
• Choyambirira satifiketi ukwati (ngati membala);
• zitupa ndi zikalata zosonyeza ubale wawo kwa inu (achibale anu zinthu ngati udindo wa co-borrowers), ndi zina zotero. d.

Uwu ndi mndandanda ambiri mapepala. Komabe, zikhoza zosiyanasiyana wodzilemekeza ndiponso ndi chigamulo cha banki.

Kodi ngongoleyo pa kubweza refinancing?

Chotero ngongole N'chimodzimodzinso annuity mwezi (mwa kulankhula kwina, wofanana) Uwerenge. Anachita alipire mwa njira zotsatirazi:

• pa nthambi banki bokosi ofesi;
• mu malo kudziletsa utumiki;
• ATMs;
• mothandizidwa ndi Internet banki;
• kudzera banki yam'manja.

Kodi n'zotheka refinancing galimoto ngongole kwa Sberbank, ife kupitiriza.

pulogalamu ogula kukongoza

Kuwonjezera kubweza, ndi borrowers ambiri mavuto ndi ngongole galimoto. Nawa chabe refinancing cha ngongole choterocho si anapereka. Komabe, mu ndalama Bank awa zolinga zotsatira zina ogula ngongole pulogalamu ndi cholinga zina kukongoza. ndi makhalidwe a mankhwala banki chiyani?

Mbali yaikulu ya pulogalamu imeneyi ndi kuti angagwiritsidwe ntchito kubweza mpaka ngongole asanu panopa kwa obwereketsa ena. Mwachitsanzo, zingakhale ngongole ogula ngongole galimoto, komanso ngongole chakuti panopa overdraft kapena ngongole khadi.

Komanso, kugwilizana ndi Bank, aliyense wobwereka ali ndi mwayi kupeza ndalama anakhumba popanda kugonjera mbiri ntchito ndi satifiketi ndalama. Komanso, pulogalamu zimenezi sizikutanthauza kuti kuli amalipiritsa kutuma kwa issuance kuchuluka ngongole ndi sikutanthauza makonzedwe a ina.

ndi mawu ngongole pulogalamu ogula chiyani?

Ndilembe ngongole ili likhoza kupangidwa Intaneti kapena anakachezera m'nthambi alipo za bungwe. Iye zambiri anapereka ndalama zawo, ndipo akuti ngongole ndi osachepera miyezi 3, pazipita - zaka 5. Choncho, kuchuluka chovomerezeka sayenera upambana 1 miliyoni rubles, ndi mlingo m'munsi akuyamba pa 17,5%.

ndi zofunika ngongole kwa refinance chiyani?

Pulogalamu imeneyi amakhala ndi maganizo kusankha kwa ngongole phunziro kwa refinancing ku Bank ndi ndalama. Mwachitsanzo, liwu panopa ngongole sadzalowa miyezi yosakwana sikisi ndipo lisanathe kukhwima kwake - osati miyezi itatu. Komanso, ngongole zanu zoipa sayenera anatsirizika. Kwa miyezi sikisi, inu nthawi zonse tiyenera kubwezera ndi kupewa kupanda.

ndi zofunika borrowers chiyani?

Mosiyana ndi pulogalamu yapita, ngongole imeneyi kumathandiza kuti anthu okalamba zaka 21 ndi 65. zofunika zina zonse, kuphatikizapo ambiri ndipo panopa kuntchito, zofanana. Ndipo amagwira ntchito refinancing ndalama Bank. ndemanga kasitomala adzakuthandizani kumvetsa ambiri za mapulogalamu.

Kodi anthu amanena zokhudza Bank ndalama za mapulogalamu refinancing?

Kumvetsa mmene opindulitsa refinancing msonkhanowo Bank ndalama, umtembenuzire ndemanga. Mwachitsanzo, nzika zina ngati kubweza refinancing, monga inawapatsa kuchotsa katundu ngongole mwachisawawa. Ena amakhulupirira zinthu wokongola kwambiri chifukwa ogula ngongole ncholinga refinancing zina, monga iwo amakulolani akutseka kuti ngongole asanu lalikulu. Chachitatu osakhutira kukopa co-borrowers. Wachinayi ngati mlingo yovomerezeka chidwi ndipo palibe ntchito.