Refinancing ndi kubweza ngongole: ndiponso mmene kusintha mabanki

Anthu amene ntchito kwa kubweza kwa zaka zoposa 2 zapitazo, anakumana ndi gulu la zodabwitsa zosasangalatsa mu mawonekedwe a amadwala chidwi (mu mgwirizano kunapezeka kuti nuance amalembedwa), mwa mawonekedwe a mabungwe lalikulu zikhalidwe za pulogalamuyi. Kumene, kuzindikira kuti ife sitingakhoze basi kuchita zimenezi ndi kutenga kubweza tsopano, iwo sakusangalala.

Kubweza dongosolo kukongoza Kodi kukhala, zikhalidwe sizipanga zimapezeka mapulogalamu ndi onse, koma mpikisano mphamvu mabanki asintha.

A dongosolo latsopano kubweza

Choncho panali dongosolo "refinancing kubweza" imene yomweyo anapeza makasitomala awo (10 100 borrowers mu imodzi yaikulu mabanki kubweza agwiritsa ntchito mwayi umenewu). Izi mawonekedwe a pangano amatchedwanso pa-kwako, ndi ena mwanthabwala kuti "chilekano ndi banki." Timatha inu kupeza ngongole ku banki ina pa mawu abwino kwambiri: ndi kusintha mawu, mlingo, njira ya alipire, ndalama ngongole. Ndipo ngongole alipo.

Kusintha zanyumba mtengo

Kukonza kubweza kuti kulipira ngongole ndi banki ina, m'pofunika kusonkhanitsa muyezo ya zikalata ndi angagwirizanitse zikalata kwa ina. Kumene, banki amaika ufulu wokana, koma ngati inu simuli defaulters njiru, ngati panalibe yomweyo, mulibe mantha.

Komabe, tiyenera kukhala okonzekera mtengo yatsopano ndi kubweza ndi bankiyo. Kubweza refinance ngongole ndalama za 30 chikwi. Pakani. zina ndalama udzakhala kachiwiri kulembetsa wa kugula ndi kugulitsa nyumba ya mgwirizano: udindo boma pofuna kuchotsa encumbrance, kulembetsa kwa zinthu zatsopano pa Companies House. Popeza ndalandira kwa latsopano banki zofunika kuchuluka wofanana ndi ena a inu pa ngongole kubweza, mudzatha kubwezera, koma akhoza kulipira banki ntchito yapita kwa alipire oyambirira. Koma, ngakhale ndalama zonsezi, kumbukirani mmene mudzawapulumutsa ndi kusintha wokongoza, mwachitsanzo Bank.

Ngakhale kuti refinancing ya kubweza ngongole si zovuta ndi zachilendo kwa Russia, mankhwala lotereli komanso chifukwa amapereka wobwereka mtima kwambiri. Ndipotu, tsopano nzika iliyonse adzatha kusintha banki, ngati iye apeza zinthu zabwino kwambiri, kapena kukakamizidwa mavuto a zachuma.

ayamikira

Sankhani kubweza kukongoza pulogalamu pakafukufuku chidwi ndi mawu ena abwino kwambiri kuchepetsa malipiro apamwezi: kusintha mawu a njira alipire komanso mwina ndalama.

Refinancing nyumba ngongole n'zomveka kuti, ngati kuchokera pamene kupeza kubweza ndi msonkhano pazipita zaka 2. Ichi ndi chifukwa chobwezera cha chidwi mu zaka zoyambilira pambuyo kugula, osati kuchuluka ngongole. Patatha zaka 3-5 phindu refinancing Simumva kusiyana kulikonse.

Refinancing mitundu ina ya ngongole

Refinancing chikuperekedwa ndi mabanki mu chimango cha mapulogalamu kubweza kukongoza, koma nthawi zina pali ntchito zina: ndi refinancing wa ogula ngongole ngongole galimoto, ngongole ndalama. Izi mitundu ntchito ayenera ntchito ngati mukufuna kusintha ndalama za ngongole za ku mwambo atasintha kapena mlingo Kusakhazikika. Ena mabanki ndi ofunitsitsa refinance ndi makhadi kupereka makasitomala ndi luso kupereka ngongole zonse. Monga ngongole galimoto: zambiri kasitomala pali kufunika kugula galimoto latsopano, koma mawu a mgwirizano sanabadwe zapita. Mmodzi wa lalikulu ndi yaikulu mabanki - Raiffeisen - akufuna njira chidwi. Kasitomala akukamba galimoto anagula amene sanayambebe analipira, mu okonzera ndi amapatsidwa ndalama ndi kulipira malipiro koyamba pa ngongole watsopano. Choncho n'zotheka kugula latsopano chitsanzo galimoto. Kodi makasitomala ambiri ndi mabanki anasangalala kwambiri.

Refinancing ngongole kubweza, komanso mitundu ina ya mapulogalamu, kwambiri adakula mbiri ya ntchito banki, n'zotheka kusintha zinthu za kasitomala, kupereka kusankha. Ndipo mathokozo onse kuti mpikisano wathanzi.