Indlela refinance ngomyinge wenzala ephantsi: Khanyisa instrkutsiya

Ukwenza imali-mboleko ebhankini, asizizo zonke umboleki unako ukuchaza imali elizayo. Ngexesha samatyala bangesosigxina kwenzeka iziganeko ezahlukeneyo, ngendlela enye okanye ngenye kuchaphazela impumelelo kwezemali kunye yokuhlawula amatyala yabemi. Emva kweminyaka omnye okanye emibini, intlawulo yenyanga umboleki lingakhangeleka liphezulu ngokugqithiseleyo, yaye ezinye iintlawulo phantsi mboleko esinokuba yingozi imali yentsapho. Ukusuka kule meko kukho exit: ukuba refinance kwi imilinganiselo yenzala ephantsi.

Ukuzimisela ezibolekisa

Mboleko okanye mboleko - inkonzo ukutshintsha nemiqathango yesivumelwano ekhoyo kunye elunxwemeni. It is:

• ukuthoba izinga lenzala;
• ukwandisa igama elithi-mboleko;
• ekunciphiseni intlawulo yenyanga.

Ngamanye amazwi, ukuba ngexesha iintlawulo kwi-mboleko umboleki iye waphawula ukuba ezinye iibhanki ekhutshwe mboleko ngamaxabiso aphantsi, ungenza refinance kwi kwenzala ephantsi. Le nkonzo ibonelela inani elikhulu beebhanki, kodwa ngenxa yokuba kukho ithuba lokukhetha iimeko ezininzi ezinomtsalane.

Iintlobo mboleko ezikhoyo ukuze iqale

Mboleko iyafumaneka phantse nayiphi na imali-mboleko:

• umthengi;
• mboleko imoto;
• sendlu.

Ngenxa yezi mali-mboleko kukho ithuba lokuba refinance kwi imilinganiselo yenzala esezantsi i-Savings Bank kunye neminye imibutho zebhanki enkulu.

Uninzi iibhanki abavumelekanga ukuba refinance ikhadi lamatyala. Oku kungenxa yokuba ayisekho imali ebekiweyo emva ngokucacileyo kubo. Umda uboleka ukuwa kuphela ezo mboleko ukuba babe ngqongqo ngokosuku iseti kwi wokutyikitywa kwesivumelwano semali-mboleko.

izizathu yokubolekisa

Refinance kwi amaqondo enzala aphantsi abe ngenxa yezizathu ezisemthethweni, ukuqinisekisa ukuba kuyimfuneko ukuba angenise amaxwebhu elimiselweyo. Ezi zizathu zibandakanya:

• ukwehliswa ubungakanani yomvuzo lwaseburhulumenteni kwindawo engundoqo yomsebenzi;
• lomqhubi, ngokuhlanganisa inkampani lomqeshi;
• nokuncitshiswa kwabasebenzi;
• ukugxothwa umsebenzi ngumqeshi;
• ukunakekela kubeleka.

Ungenza kwakhona isicelo liboleke abanye; kokwenza ezinye izizathu:

• Imveliso esuka umthwalo akananto (kulo mzekelo inokuba ipesenti encinci ekukhutshweni kwemali mortgage);
• yokudibanisa mboleko eziliqela mnye;
• ukutshintsha mboleko lwemali;
• ukunganeliseki kunye neemeko ezikhoyo mboleko ezikhoyo.

inkqubo mboleko

ukubolekisana Ukwenza kubandakanya amanyathelo aliqela:

• sisigqibo mboleki, leyo ibhange ukuba refinance kumazinga enzala asezantsi;
• ilungiselelo amaxwebhu ayimfuneko;
• ukulungiselela contract yebhanki ye mboleko;
• ukudluliswa imali ukuhlawula imali-mboleko;
• yokuvala isivumelwano semali-mboleko ekhoyo;
• ukufumana ulwazi eqinisekisa ukuvalwa yayo;
• intlawulo yenyanga phantsi ishedyuli entsha intlawulo.

Lwabasunguli obolekisayo

Refinance ngamaxabiso aphantsi inzala kunokwenzeka oko kulinyathelo umboleki okanye isindululo ibhanki yakhe. Kwimeko yokuqala, umntu ukhangela iziko labo abolekisa ngemali yakhe, oko uqokelela amaxwebhu ayimfuneko kwaye yenza ukuba zifumaneke ebhankini ekhethiweyo. Kwimeko yesibini, iziko lamatyala ngokusebenzisa isaziso ezahlukeneyo inika abathengi kunye nomba mboleko-mboleko entsha kwi-akhawunti yangoku.

Ukuba ubolekayo ugqiba ukuba kwicala lwe ebhankini, le yokugqibela iya kumbuyekeza-mboleko ekhoyo kwaye ilungiselela iimeko ezintsha kwelinye icala. Emva kokufumana mboleko yeziko ngetyala apho uyibolekiweyo evulekileyo, kwaimpatho yayo lwenzeka elunxwemeni lomlambo.

Amaxwebhu afunekayo ukuze wokubolekisa ngemali xa isindululo umboleki

Ukuze isicelo ngokuzimeleyo ukuze ekukhutshweni kwemali kwicala ibhanki kuya kufuneka ukuba unike maxwebhu alandelayo:

• ipaspoti;
• kwingxelo yengeniso i;
• nesivumelwano semboleko kunye neshedyuli lokubuyisela;
• kuphando malunga yokungabikho kwamatyala kunye neentlawulo emva kwexesha.

I-Bank ukwamkela isicelo umthengi okanye ukwala ukukhupha imali. Yonke into ixhomekeke kwimbali yamatyala yomboleki, yokuhlawula amatyala kunye noluhlu amaxwebhu angeniswe. Ukuze ufumane ithuba elingcono ukufumana mboleko, kufuneka unikeze amaxwebhu awongezelelweyo nokuba mangaphi. Ezi kungabandakanya:

• ulwazi olungaphezulu malunga imivuzo (hayi indawo inqununu yoshishino);
• isiqinisekiso kubumnini izindlu;
• imbali credit.

Refinance kwi kwenzala ephantsi Raiffeisenbank kunokwenzeka ngqo kwi website esemthethweni ebhankini, ngaphandle kokushiya ekhaya. Ukugcwalisa ifomu kwenzeka kwimo "online". Ukuba isicelo samkelwe, isebe kufuneka beze uluhlu lwamaxwebhu ezilungiselelwe ulwamkelo imali.

Yezemali linikeza yebhanki

Kwimeko apho ibhanki inika umthengi ngokuzimeleyo amalungiselelo mboleko, kuza kufuneka amaphepha ngaphantsi, njengoko mboleko sele pre-evunyiweyo. Ngoko ke, ungakwazi ngokulula refinance ngomyinge wenzala ephantsi, VTB kunye nezinye iibhanki. Ukuba obolekayo ine ngetyala elisemthethweni nokwenza iintlawulo kuyo rhoqo, ibhanki yazisa kuyo malunga ityala woyibingelela ndlela zilandelayo:

• umyalezo inombolo yefowuni;
• Service line eshushu;
• i ATM ngexesha card;
• kufundisiso lobuqu.

Ukuba umboleki sele ethe waziswa phaya entlanganisweni iindlela ngasentla, ukufumana imfuneko mboleko ukuze uqhagamshelane isebe lebhanki. Xa kukho imfuneko yokuba athathe amaxwebhu ayimfuneko, kuquka:

• ipaspoti;
• kwingxelo yengeniso.

Kudla nababolekisi kuphela refinance ukwenza ngaphandle yokundwendwela abo ngabathengi:

• ikhadi bank umvuzo;
• njalo ngokuthembeka mboleko eziliqela kwiziko lamatyala.

Ukuvala ngokwesivumelwano semali-mboleko

Emva kokufumana onke amaxwebhu ayimfuneko wanika imvumelwano entsha. Ukuba kukho ibhanki-ukubolekisa okokuqala ubhaliso lwe-mboleko, imali-mboleko entsha kwi-akhawunti efanayo. Le mali iya kufumaneka kwi umxhasi ngosuku olulandelayo ukuvunywa kwesicelo yebhanki, kwaye kwezinye iimeko, kwaye ngomhla yobhaliso. Ngomhla linye debit ithatha indawo ukuhlawula imali-mboleko. Ukususela ngoko imali iyafumaneka ukuze zisetyenziswe umboleki. Yena uyakwazi oko nikuchithele iinjongo zabo kunye ukubuyisela ezinye mboleko ezikhoyo.

Xa mboleko ubhaliso kwenye inkqubo kweebhanki kakhulu ixesha. A iziko lamatyala idlulisela imali kwi-akhawunti ye-mboleko. Kamsinya nje imali aye kuye, umthengi kufuneka enze ingxelo kwi intlawulo epheleleyo yokuqala. Ngosuku olulandelayo, imali-mboleko uza kwabuyekezwa, ukuqinisekisa ukuba kuyimfuneko ukuthatha uncedo intlawulo epheleleyo yokuqala. Umboleki kufuneka uvale i akhawunti uthabathe isatifikethi original esiqinisekisa.

Ukufumana amaxwebhu zingathunyelwa ebhankini owenza mboleko. Emva kokuba kubhekiswa kuzo ziya kutshekishwa semthethweni, ibhanki ikhupha isivumelwano sentengo yemboleko ucwangciso entsha intlawulo.

iimpawu ezibalulekileyo obolekisayo

Xa umboleki ufuna ukusebenzisa mboleko ukuba uhlawule iimali-mboleko ezininzi, isixa kubangele ukuba isasazwe phakathi mboleko ezikhoyo. Ngaloo ndlela, uyakwazi uvale iintlobo ezahlukeneyo mboleko, kubandakanywa amakhadi ngetyala. Le ndlela elula kakhulu, njengoko ivumela inani-mboleko issue enye. Oku kushenxisa ukudideka ngentlawulelo, njengokuba ngoku uya kuba kota enye, kwaye kuya kwenziwa intlawulo kanye kuphela ngenyanga.

Nayiphi na ibhanki abalumkise refinance njani kwi ipesenti esezantsi umboleki ethile. Kuba abaxhasi beposi iimeko ezahlukileyo ngokuxhomekeke ubude inkonzo emsebenzini lokugqibela, imivuzo, bazisa amaxwebhu. Okukhona umboleki zinika ingcaciso engabo, kokukhona ukufumana iimeko kuFeliks. Oku kuya kuchaphazela umyinge wenzala kunye elide mboleko. Ukuba ibhanki luchonge yokuhlawula amatyala umthengi njengoko a phezulu, ngoko ke ipesenti ziya kuba ncinci, kwaye ithuba ziya kwandiswa.

Mboleko abanokumenza amaxesha ambalwa ngexesha lokuba isivumelwano semali-mboleko. Kulo mzekelo, i-mboleko-mboleko ekhoyo kukhutshwa kuphela yibhanki omnye kuphela ngokupheleleyo. Mboleko mboleko kwimigangatho eyahlukeneyo akuvumelekanga njenge intlawulo kwenxenye kwityala lebhanki okhoyo.

Jonga-mboleko entsha ukubuyisela ekhoyo - loo nto ithetha ntoni na refinance kwi imilinganiselo yenzala ephantsi. Le nkonzo zebhanki evumela kubaboleki ukunciphisa inkcitho yenyanga. Ngenxa ukwandiswa kwexesha contract nokunciphisa inzala kukho ukuncitshiswa intlawulo yenyanga ukuba kukuvumela ukuba uphathe ngokulula kakhulu imali yentsapho. Mboleko ngokubaluleka kuthandwa, yaye inani yeebhanki ezifundisa ubukhula chu.

Ukwenza mboleko ntoni ngokungalunganga kuchaphazela imbali samatyala mboleki, kunye nokholo elungileyo zokuhlala negalelo ukufumana enye imali-mboleko kwi ngokwemimiselo kakuhle ngakumbi.

Nawuphi mboleko - le yindlela ukuphucula imeko yabo yemali kunye nokubambezeleka intlawulo epheleleyo. Ukuze ungayenzi mandundu imeko yabo, kufuneka ukhethe i iimeko ezithandwa kakhulu mboleko, maxa wambi litshintshe.