Kodi kutenga ngongole kulipira ngongole zina. Refinance: ngongole kulipira ngongole ina

Nthawi zambiri, anthu amene mwapereka ngongole ndipo sangathe kulipira ake zindikirani aliyense zikamera wa watsopano, mapulogalamu yopindulitsa kwambiri, chidwi funso lakuti: pamene kutenga ngongole kulipira ngongole zina? M'magulu chidwi kugwa nthawi yomweyo eni ngongole angapo ngongole, cholinga panthawi zosiyanasiyana ndiponso pa zosowa zosiyana. Kukhathamiritsa cha katundu ngongole ndi katundu wa bajeti apangidwa zikomo zotheka kwa utumiki wapadera banki, lotchedwa refinancing. pempholo zochokera alipire za mangawa akale mwa ngongole watsopano, amene amathandiza kuti zinthu zabwino kwambiri za mgwirizano.

Kodi ubwino refinancing mabanki kupeza chiyani?

Chifukwa chakuti chiwerengero cha anthu chidwi pa funso kumene kupeza ngongole kulipira ngongole zina, kuwonjezeka refinancing amakhala akupezeka mu ambiri a mabanki.

Zokopa zimphona osati gawo la ndalama monga "ndalama Bank", "VTB 24" ndi "Gazprombank", koma anzawo ang'onoang'ono. Pankhondoyi mabungwe ngakhale microfinance PALI kwa makasitomala. Ntchito za mabungwe a zachuma kugwirizana ndi zinthu zosiyanasiyana. Ali:

• The slowdown mu akubwereketsa mu msika ritelo.
• Yafupika ngongole kwambiri borrowers.
• Kuwonjezeka kwa defaults ndi malipiro mochedwa.

kukopa makasitomala

Refinancing limakupatsani kukopa makasitomala kwa mgwirizano, amene kulipira pa nthawi ndi nthawi, koma poyamba chikalata pang'ono phindu ngongole. Ingosiyani mwayi kutembenukira wina mu kasitomala wabwino safuna bungwe lina la ndalama. Pakuti borrowers tinganene kuti chinthu chabwino kuti pamene bungwe ndalama akadziwa kufunafuna njira refinance ngongole chanu, ndi palokha kuyesera makasitomala, kupempha kusintha ngongoleyo. Kasitomala amakhala akupezeka processing ngongole kwa alipire za mangawa mwa gombe chomwecho.

malingaliro atsopano

Bank refinancing, ngongole kulipira ngongole ina imene akupereka mwa misonkhano ya banki mu 2011, atangotha mu Civil Code anali kukonzedwa. Akhoza refinance ngongole wodzilemekeza ake Kulipira chilango malipiro msanga za izo. Ndi zokwanira kuteteza bungwe ndalama kwa masiku angapo. nthawi Izi ndi zofunika kuti recalculate ngongole malinga ndi malamulo, umene kuganizira mtundu wa malipiro: annuity kapena kusiyanitsidwa.

Kodi amapereka refinance?

Ndi refinancing banki makasitomala akhoza kuthetsa pa nthawi yomweyo zingapo zofunika okha. Ngati n'zosatheka kuchepetsa chiwongola dzanja, amene adzalola kuchepetsa chiwerengero cha ngongole, pali mwayi kusintha kukula kwa malipiro a pamwezi kuti ndichepe. Kapenanso, m'malo ngongole angapo kulipira kwambiri yopindulitsa kwambiri limodzi. Kutenga ngongole kulipira wina zilipo ndi kuwonjezeka zinachitikanso kukula ngongole. ndalama zina kawirikawiri zothandiza kwambiri. Kufunika kwa utumiki aumbike chifukwa osakhalitsa la ndalama, pamene kusintha kumene kumabweretsa mapangidwe a overpayments. M'malo a ndalama imodzi ngongole ina zingakhale zothandiza.

Banks zikuwavuta mgwirizano, monga sakufuna kubwezeretsanso zida za mangawa sanali kuchita. Kufunika kwa nkhaniyi misonkhano, kumene kupeza ngongole kulipira ngongole zina, kuona kusintha mu chiwongola dzanja la Bank wa Central. Zaka zingapo zapitazo mlingo chidwi chenicheni kuposa ndi mfundo 5-7. Ngati ife kulankhula za zanyumba, ndi overpayment pa mapeto a pangano ngongole adzakhala zofunika.

Kodi ingandithandize kukongoza?

Refinancing amapereka zinthu zina osati nthawi, koma zinthu mosamalitsa kumatanthauza. Kugwiritsa ntchito adzakhala zogwirizana zinthu zotsatirazi:

• Ngati pali ngongole pulogalamu yaitali (zaka 5).
• Kusiyana pakati pa pulayimale ndi mlingo watsopano ayenera kukhala osachepera 2-3%. No komishoni, mitengo, inshuwalansi ndi ndalama zina zowonjezera kuchita.
• ngongole rubles osachepera 1 miliyoni. Kapenanso, thumba ngongole ayenera kukhala osachepera 30% ya ngongole zonse.
• Ngati pa tsiku la mgwirizano koyamba wakhala miyezi 6.
• Lisanathe pangano ngongole pali miyezi yoposa 6.

Musanayambe tione komwe mungathe kutenga ngongole kulipira ngongole zina, muyenera kukumbukira ulamuliro yakuti: yaitali nthawi yadutsa kuyambira kusaina yoyamba ya pangano ngongoleyo, wamkulu ayenera kukhala kusiyana pakati pa mitengo ya.

Kodi mabanki kupereka yabwino kwambiri zinthu refinancing, kapena kumene kutenga ngongole kulipira ngongole zina?

Service refinancing ngongole sizachilendo kwambiri gawo la kubanki. Pakati pa nambala yaikulu bwana ayenera kulabadira pulogalamu zotsatirazi mabungwe a zachuma:

• "RosEvroBank". Refinance ngongole isanafike atapita omwe pali miyezi oposa 3. tsiku kulembetsa ngongole sayenera akhale wamkulu kuposa miyezi 9. Ngongole ndi ina, Bank amapereka mlingo wa 17% kwa zaka 5. The pazipita kololeka kuchuluka kwa ngongole ndi wofanana miliyoni imodzi ndi theka. Kuphunzira ntchito adzakhalanso pasanathe masiku awiri. Makasitomala amene ali abwino ngongole mbiri ya zaka zosachepera 2, mlingo pa ngongole ntchito kubweza ngongole ina adzakhala mfundo n'komwe, koma nkhani ndi makonzedwe a ina.

• "SibRegionKreit". Iwo amapereka kwa refinance ngongole, cholinga kwa miyezi 8 zapitazo nthawi kugonjera a ntchito. Mgwirizanowo ngongole ayenera kutha palibe kale kuposa masiku 90. chiwongola dzanja akhoza zimasiyana 16 mpaka 18%, malinga ndi zikhalidwe za mgwirizano. Volume ngongole akhoza zosiyanasiyana, kuyambira 90 zikwi rubles miliyoni 1.5 rubles. Kutalika kwa mgwirizano mwina kuchokera 1 mpaka 5. Chitsimikizo cha ndalama zifunika. Kuphunzira ntchito ikuchitika kuti salinso kuposa 5 masiku, ndi chiweruzo chabwino chomveka 1 mwezi.

Chapadera ku "Ndalama Bank"

Kuphunzira funso mmene kumene kutenga ngongole kulipira ngongole wina, muyenera mosamala mwa maganizodwe a mabungwe zopezera ndalama - Sberbank. Monga mbali ya gombe amapereka awiri mtundu mgwirizano. Ichi ndi makonzedwe a ndalama ngongoleyo, anaphedwa gombe lina kugula kapena yomanga nyumba ku Russia. Kukongoza nthawi akhoza kukhala zaka 30. Voterani ngongole malinga pa zikhalidwe za mgwirizano ndi pakati 15,25% ndi apamwamba. Sberbank amapereka paokha chiwombolo zanyumba komanso ngongole ogula ku mabanki ena. Refinancing imachititsa osachepera 5 ngongole zina. Nthawi imene ndalama zikhoza kupangidwa zilipo, osati zaka zoposa 5. Mlingo wa 18,5% ndi apamwamba.

Kodi kusankha banki kuti refinance?

Kuphunzira funso mmene kutenga ngongole kuti ngongoleyo ndi banki wina, muyenera kulabadira kupindula nako. Musanayambe kulowa pangano mgwirizano, muyenera kufufuza ngati bungwe ndalama adzatha kupereka zinthu chimodzi kapena zingapo:

• Kuwonjezera kapena kuchepa mu nthawi ngongole.
• Kuchepetsa malipiro apamwezi.
• Pamaso pa pulogalamu, chimene woyamba angathe kulipira okha chidwi pa ngongole, ndi kupitirira kwa alipire wa chachikulu kuchuluka kwa ngongole.
• M'malo a ndalama imodzi pa ngongole ina.
• Kukhala mwayi popereka ina kwa ngongole kuti mavuto a mgwirizano kapena m'njira kuonjezera kuchuluka kwa gawo lapansi.

Choti?

Mufufuze chimene banki amapereka ngongole kulipira ngongole zina, muyenera mwabwinobwino aziyese kulipira, kusankha yabwino kwambiri ngongole chiwembu. Kuvomerezedwa chikhalidwe cha mgwirizano ndi banki mu chiwembu izi - ndi okhazikika kupeza ndalama, makamaka ntchito mu malo omwewo kwa miyezi 3-6. Mawu a ngongole kudzadalira voliyumu. Ngati banki kasitomala ali ndi ndalama zochepa, izo ziyenera kupereka co-signer ndi ndalama wabwino, koma osachepera wa kasitomala.

Kumvetsa pamene inu mukhoza kutenga ngongole kulipira ngongole zina, pasadakhale akonze mapepala phukusi, omwe pafupifupi sasiyana ku icho chimene chinali chofunikira kwa kalembera wa ngongole yaikulu. Ntchito ya mabanki umenewu ndi yofuna, ndi makasitomala vuto, koma pa zinthu kuyeza kwambiri.