Kodi kuchepetsa mlingo pa kubweza ku Bank ndi ndalama? Zikhalidwe chopezera kubweza mu ndalama Bank

Kufunika refinancing kubweza angaoneke milandu angapo. Choyamba, chifukwa imeneyi ikhale choona kuti m'munsi chiwongola dzanja pa kubweza ku Bank ndi ndalama. Kachiwiri, chifukwa kusintha malipiro tizivutika ndi kusinthasintha ndalama zakunja. Ngakhale Sberbank amapereka zanyumba mu rubles, sizisintha chakuti kusintha kwa mitengo yosinthira ndalama zakunja bwanji solvency wa anthu.

State thandizo

Pamaso kuwaika kuchepa mitengo chidwi kapena njira ntchito ndi kubweza banki, kudziwa kuti nthawi zina, akhalidwe anthu kuthandiza pulogalamu, wochitidwa ndi boma. Komabe, ngakhale ndalama zilipo kuyambira 2015, anthu kovuta kulipira wobwereka, kodi n'zotheka kuchepetsa chiwongola dzanja pa kubweza kale? Inde, n'zotheka. Ndipo ndi uyu, inu tingalandire maphunziro angapo kanthu.

Momwe angachitire?

Choyamba, muyenera kulemba kupereka ngongole kwa wokongoza lolingana ntchito. Masiku ano, magombe zonse zazikulu kuti refinance. Mwa zimenezi zingathe kudziŵika ndalama. Ngati tiyang'ana pa bungwe ili ngongole kulandira kusintha ndalama, kuchepetsa ndalama kuchepetsa voliyumu yake.

Pamene ntchito kukongoza mkati, chilangizo ndi kubweza pangano, Sberbank akuonetsa wobwereka:

• Kutsimikizira banki kuti ndalama apempha wobwereka adzakhala amayenda mudzabwezedwa.
• Dziwani mfundo zina zabwino zonse zofunikira, kuphatikizapo makonzedwe alipo ndi ndale mkati mwa bungwe (kuti kuli kubweza ngongole ndi pakafukufuku Mwachitsanzo).
• Statement kulemba ndi kugonjera zimene pamafunika kukaonana ndi bwana.

Ngati gombe ndi okonzeka kukumana ntchito, amene anapereka chigamulo zabwino, wobwereka adzakhala kukonzekera latsopano ndi zinthu. M'pofunika kupeza zimene mlingo pa kubweza ku Bank ndi ndalama.

Kodi nsomba?

Komabe, ngakhale njira imeneyi loyenera kwambiri ndi yabwino kasitomala, kukhazikitsa Sizotheka, chifukwa mabanki sindimakonda kunyengerera ndi kudula mitengo chidwi. Chifukwa chokana kuti refinance, iwo zambiri sangathe amalankhula.

Ngati wobwereka anakana kuchepetsa ndalama lilakalaka kuti alipire oyambirira a ngongole, ndi pang'ono kanthu. Nthawi zambiri, iwo onse wiritsani pansi ku kutenga ngongole watsopano kuchokera wogula kapena bankiyo pa mawu abwino kwambiri. Zikutanthauza nkhani ndi ukutitsimikizira onse ndi pamaso pa phukusi kwathunthu anasonkhana zikalata. Pankhaniyi, ndi kasitomala zambiri si kukumana kukana, zomwe zimachititsa njira chotchuka kwambiri. Izi ndi yankho ku funso la mmene tingachepetsere mlingo pa kubweza ku Bank ndi ndalama.

Nthawi zina, refinancing ngongole kudzera latsopano yoyenera?

Kodi milandu ayenera mofulumira kupeza momwe kuchepetsa mlingo wa chidwi mwa ngongole watsopano, ndi zimene sichili? Choyamba akatswiri onse kulangiza kuganizira kuchuluka komaliza payout. Mwachitsanzo, ngati kusiyana pakati pa ngongole zakale ndi zatsopano adzakhala% 1 yokha, kuchuluka kwa ndalama ndi malipiro adzakhala pafupifupi ofanana. Ndipo pa nkhani ya kutembenuka kwa chiwongola dzanja ndi kufufuma, mwayi wotero mwamsanga alinkuthedwa.

2% kusiyana komanso sangapereke mpumulo amphamvu, ngati akatswiri onani, koma ngati munthu adatenga 3 miliyoni rubles, nkuti, nthawi zaka 25, ndi kuchepa mu ngongole ku 14.5% kuti 12,5% pa annum, monga chiwongola dzanja pa zanyumba mu ndalama zingakuthandizeni kupulumutsa za miliyoni 2 rubles overpayment.

Mfundo yachiwiri imene muyenera kulabadira - pamaso pa nthawi yomweyo ndi zoletsa chiwombolo oyambirira. Ndipo ndikosatheka kukonzanso ndi alipire oyambirira kubweza latsopano wotsatira pofuna perezayma ndalama kungachititse chifukwa kasitomala mavuto ena, milandu ndi mabwalo amilandu.

ena mokoma

Kodi wina angathe kuzimitsa kubweza pa nyumba? Sberbank - waukulu bungwe ngongole, koma palinso ali mbuna zake.

Mukhoza amatchulanso kutenga ngongole watsopano pa izo kwa ndalama ya kasitomala ndi wodula, chifukwa anthu ambiri la Chitaganya cha Russia kale mavuto aakulu mu 2015. Iwo anali kupanga kulanda madola mu ruble kubweza. Pa nkhani imeneyi, tiyenera kupempha osati kuti n'zotheka kuchepa chiwongola dzanja pa kubweza, komanso ngati kusintha ndalama n'zotheka. Kawirikawiri, obwereketsa mosavuta kupereka munthu ngongole mu ndalama ruble, zomwe zingathandize dola kubweza ngongoleyo.

Kodi kusintha mlingo pa kubweza ku Bank ndi ndalama? Funso limeneli ndi lofunika kwa ambiri.

Kodi Ndimaona?

Mfundo yomaliza kuti akuchitira ayenera kulabadira wobwereka - ndalama ndalama, kukula chofunika kwa watsopano wa pangano. Uwerenge ndalama awa ayenera kukhala osachepera kuchuluka kwa overpayment, ndi otsala adzakhala ngati ngongole chomwecho. Komabe, ngati zinthu zonse zimapezeka, ndi mitengo chidwi ndi otsika, mukhoza bwinobwino kupita ku banki. Pambuyo kuchititsa kuwerengetsera kuyambirira ndi zikalata anasankha, komanso mogwirizana ndi bwana, kupeza kuthekera kuchepetsa chidwi wobwereka ndi akuyembekezera mapeto a zaka watsopano ngongole ya pangano. Pa obwereketsa latsopano kuphatikizapo zotheka kuti alembere chikole cha malo.

Komanso, kukonzanso ngongole lero n'zotheka kusintha mndandanda wa akulitsimikizira ndi kusintha chikole, chikole cha ntchito yomanga ndi inshuwalansi. Ndipo palibe kusiyana, masoka kapena malamulo munthu watsopano guarantor. Koma kwa kusintha kumeneku mu mgwirizano koyamba ayenera mwachindunji chiyembekezo cha ntchito yawo wotsatira. Pankhaniyi, ndiko chofunika kwa wobwereka ndi, adzafuna kupereka mfundo. Komabe, akatswiri zisanafike akulangizidwa kufunsa woyang'anira banki pa maziko kuvomerezedwa. Apa mmene mlingo pa kubweza anu ku Bank ndi ndalama kuchepetsa.

Ndipo n'chifukwa chiyani angathe kukana?

Ndipo ngakhale kuti nthawi zambiri ndondomeko yodalirika kubweza ndi sayambitsa mavuto pankhani imeneyi, zikhoza kukhala kulephera kupeza ndalama. Kodi chingakhale chifukwa chobisika chifukwa chokana kuti apereke kubweza ngongole kuti wobwereka chiyani?

Chabwino, choyamba, banki aliyense, kuphatikizapo wa kwatsopano, fufuzani solvency za m'tsogolo wobwereka a. Ndipo n'kofunika kwambiri chifukwa izi mbiri zabwino malipiro kuchokera ku mabungwe ena. Lachiwiri, unafotokoza chuma ina akapitirira mndandanda wa mayesero. Zilibe bwanji chakuti posachedwapa anakhala wokongoza banki ina. Ndipotu, makasitomala ayenera mitengo m'munsi chidwi pa zanyumba wogwila Sberbank.

Chifukwa cha macheke zimenezi anaganiza kapena kukhazikitsa kubweza ngongole kuti aliyense wobwereka payekha. Ngati kasitomala ndi adakana nkhani ngongole, tiyenera adzanyamula kukumbukira kuti anakhala pa kulingalira ntchito sati wowirikiza. Kuchuluka chomaliza cha ndalama, ndithudi, ndi chodziwikiratu kuti upambana rubles 5-10 zikwi, koma makasitomala ayenera kudziwa zimene mavuto akufotokoza banki.

Zikhalidwe chopezera kubweza mu ndalama Bank

Kubweza ngongole yomwe inakhazikitsidwa mu ndalama Bank pa zinthu zotsatirazi:

- The osachepera ngongole kuchuluka ndi 300 zikwi rubles ..

- The pazipita sayenera upambana 80% ya katundu ndi ndalama.

- Loan akuti - kuchokera zaka 5 mpaka 30.

- 20% ya malipiro ikhale.

- chidwi mlingo - 11,75% pa annum (10.75% mu "banja wamng'ono").

kuti borrowers zofunika muyezo. Age kwa zaka 21 75, mkulu ntchito ndi umboni ndalama.

Yotsatirayi, ganizirani mmene kuchepetsa mlingo pa kubweza ku Bank ndi ndalama.

Kodi kuchepetsa mlingo pa kubweza ku Bank ndi ndalama?

Zikatero, pamene kasitomala mwadala lili m'mphepete kumene ngongole akutengedwa waukulu, kuti alandire refinancing, ndi ntchito otsiriza, njira lachitatu la kanthu, kapena kuti amachita chithandizo m'makhoti. Komabe, pali ena mbuna. Mkhalidwe zofunika kwa chigamulochi kukhoti abwino mokomera wobwereka ndi - n'chakuti wa kuphwanya malamulo lolamulira ufulu wa makasitomala onse. Ngati kuyan'anila amenewa anati, ndiye chonena akhoza sadzakhuta. Ndiyeno kukhalabe zikutsatiridwa ngongole ya nyumba. Sberbank ndi lalikulu kwambiri za kugwilizana ndi ngongole udindo wobwereka a.

Kodi mtundu wa kuyan'anila?

Kodi zinthu zikhoza wachinsinsi monga kuyan'anila? Mwachitsanzo, mwina nthawi ndi tsiku chidwi mawerengedwe. Zalembedwa malo №39 CBR 26 August 1998, ndondomeko ndi bwino ndithu mwake. Kuchokera pa zimenezi, chidwi adzakhala sonyezani mwa gombe la yotsala ya ngongole ngongole kumayambiriro kwa wina watsopano tsiku malonda. kupatuka aliyense ku lamulo limeneli, kasitomala ali ndi ufulu akambirane zikalata kwa obwezeredwa wa overpayment kapena pa kukongoza.

VTB24 kubweza akhoza kuchepetsa mlingo pa malo omwewo monga Bank ndalama. zokumana Kodi chifukwa amaloledwa bwalo ntchito kuti kusintha ngongole ndi ngongole ya? Kwa iwo monga kusakhulupirika ndi wobwereka kuti ukutitsimikizira kubanki. Mu nkhani iyi, wogula kapena banki adzachita kwathunthu mogwirizana ndi mawu a pangano olembedwa, ndipo pofuna kuteteza zofuna zawo ndalama, ndipo iwo ali oyenera osati kuti mupewe chikolecho, komanso ntchito ku khoti. Motero nthawi zambiri amachita Sberbank.

Kubweza (ngati n'zotheka kuchepetsa chiwongola dzanja pa mawu ambiri, tinakambirana) ndi chikalata kwa nthawi yaitali. Panthawi imeneyi banja angasinthe Mwachitsanzo, mwana wabadwa.

Kodi kuchepetsa kubweza pa kubadwa kwa mwana?

Wosangalatsa - kubadwa kwa mwana m'banja, komanso ndalama chachikulu, zomwe mwina kuchepetsedwa ngati makolo kupereka umboni 2-DZENJE ku banki. satifiketi Izi zikugwirizana ndi mlingo wa ndalama amachepetsa yokhudza kubweza, ngati ife tiyang'ana pa iliyonse ya wokongoza. Ndipo ngakhale ena amafuna mutayankha Matupi awo, Sberbank kutsimikizira ndalama akhoza kukhala mu njira iliyonse yabwino makasitomala.

Ngati refinancing kapena kubweza ngongole kukopedwa wamng'ono m'banja limene mwamuna kapena mkazi mmodzi ndi zaka wocheperapo 35, iwo adzapatsidwa mwayi wapadera mabanja pulogalamu ngongole. Ubwino ndi izi:

• mu co-wobwereka akhoza kutenga makolo achinyamata;
• ndi chiwongola dzanja pachaka adzakhala yafupika;
• zotheka amodzi a alipire a yaikulu kwa zaka 3;
• Chigawo choyamba zikhoza kuchepetsedwa ndi 10%.

Kuti n'kosavuta ndipo mofulumira kulipira ngongole ya nyumba adzatenga malo mu ndalama Bank.

Kubereka kubweza refinance angapereke Bank, amene alandira kale ngongole kapena wokongoza wina aliyense. Chabwino, mabanja akuluakulu ambiri kupereka ngongole kwa masuliridwe. zinthu.

Pomaliza

Tinganene kuti ngati munthu akweza funso kuchepetsa ndalama pa kubweza, choyamba ndi bwino kutembenukira kuti apereke ngongole kwa wokongoza. Ngati mutapeza kulephera refinance, muyenera kupita ku khoti kapena kupeza wokongoza wina. Tinkaona zochepetsera mlingo pa kubweza ku Bank ndi ndalama.