Refinancing chikwereti ari mari Bank, motokari zvikwereti: wongororo. Ndinogona kuita pamusoro-anomukweretesa muna mumari Bank?

chikwereti kugadzira - ndiyo nyore nzira kutenga chepfuma kuti haugoni kutenga kamwe, uye nokuda mari. Zvisinei, ichi hachisi nguva dzose pfungwa yakanaka. Kazhinji zvikwereti kwenguva refu tinoshandurirwa muusungwa chaiyo, nokuti anokwereta haakwanisi kubhadhara navo. Panyaya iyi, nouswa unonyura munhu refinancing Sberbank. iri sei kuitwa? Uye pasi chii ezvinhu? Nezvazvo uye kutaura.

Brief vari kukweretesa

Refinancing chinhu chikwereti itsva kuti anopa kukwanisa kubhadhara yekare chikwereti. Muchiitiko chino, rapfuura chikwereti anofanira kuzodzosera akaronga wemuno, uye mune rimwe bhengi. Kunyange zvazvo purogiramu dzakadaro havana zvose zvikwereti masangano, vari mumari Bank of Russia. About sei refinancing mabasa ari mari Bank, vachakuudza zvakawanda.

Program kuti refinance zvikwereti muna Sberbank

Panguva ino mune mari Bank, zvinotevera chikwereti mapurogiramu:

• refinancing zvikwereti Housing;
• mutengi chikwereti kuti refinance.

Imhandoi chirongwa ndiyo refinancing yemutoo wezvikwereti mogeji?

Kana uine guru nekutambudzika chikwereti chikwereti, zvine musoro kuti kusarudza refinancing chikwereti kubva Sberbank. Panyaya iyi, chirongwa rakagadzirirwa kwete chete nokuda zvizere mutsividzo yacho "anodhura" chikwereti, asi kuti vawane chikwereti itsva pakuvaka imba kana furati iri chikumbiro (chero kuti usvike mvumo nokuti kodzero uridzi). Saka, chii vari zvinhu izvi chikwereti?

Richirondedzera zvemupiro chikwereti, tichadzivisa zvishomanana chaizvo. Chekutanga, chikwereti anopiwa mu National mari uye uwandu kwete asingasviki 300 000 rubles. Uyewo, chinonyanya kuti inogona kutarisirwa, sezvo iri mari isingadariki 80% of zvachose Mari yechipiri kana chikuru chokugara - nguva, uye hapana kupfuura yasara huwandu chikwereti enyu yapfuura chikwereti - maviri. Zviya, apo kupa rubatso yaipedzerwa chikwereti chacho uye asingauyi kupfuudza 80% of nyanzvi 'mazano.

Chechipiri, refinancing kunosanganisira Sberbank kukwereta pasina zvetsika muripo nokuda issuance kwemakore anosvika 30.

Ndezvipi mubereko for mogeji refinancing?

Size mwero iri chikwereti refinancing purogiramu mumari Bank kunobva chinangwa kunonyanyisa nguva kuti achibudisa zvikwereti, uyewo kana imi muri Payroll mutengi kuti tsika zvemari. Somuenzaniso, kana izwi makore anosvika 10, kukura prices pamusoro zvikwereti kuti Payroll nemakasitoma zvichava 13,75%, kusvika makore 20 - 14%, uye 30 - 14.25% pa annum. Kana kana usiri munhu nemhosva kuna Sberbank worongedza chikwereti kokutanga pano, sununguka kuwedzera kusvika pamusoro nechigadziko mwero achiri 0.5% pa annum.

Ndezvipi zvinodiwa kuti chikwereti?

Kana uchida kuwana refinancing iri mari Bank, gadzirira kupa rubatso. Sezvo zvichiita kuti pave akagadzirira kana pasi kuvakwa kwedzimba, izvo kare uye chikwereti chikwereti wakabudiswa. Kana unogona kupa mari yechibatiso mumwe pfuma inokosha, nekanzuru rinoenderana chitsama chikwereti. Kana akakumbira, panzvimbo mashoko nechokwadi unekodzero kuita rubatso vanenge mamiriyoni 3 rubles.

Inishuwarenzi: zvakafanira kana kwete?

Kana achiita chibvumirano kuti refinance chikwereti chacho ari mumari Bank kugadzirira inishuwarenzi zvairayirwa. Zvikurukuru, unofanira inishuwarenzi yako chikwereti pfuma kubva zvichibvira kukuvadzwa, kurasikirwa kana kuparadzwa zvachose dzinongoitika dzoga. inishuwarenzi Term kunobva izwi rako chikwereti chibvumirano.

Zvinobvira here refinancing muna nemari Bank, uye ani?

Refinancing nokuti vokuRussia zvichibvira, asi mamiriro ezvinhu kuti zvinoenderana zvinodiwa kubhengi. Ndezvipi mirayiro iyi? Somuenzaniso, panguva chikwereti chikumbiro haufaniri kuva pasi pemakore 21 okuberekwa, asi kwete vanopfuura makore 75. Unofanirawo kuva Semi-wepagore ruzivo ari kuitika basa uye zvachose kureba previous 5 makore - 1 gore.

Uyezve, chikwereti refinancing kunoda kunobatanidza zvitatu co-anokwereta. Zvingava zvomuzvarirwo vanhu, asi ane mari chaienzanirana kunonyanyisa kukura kubhengi chikwereti. Mumwe co-anokwereta yenyu pamutemo naye kana kuti murume anogona kuita.

Chii Zvinyorwa zvinodiwa kuti vaverengwe?

Kupindura mubvunzo mukuru, "kana iwe unogona kuita refinancing muna mari Bank," tichiti. "Chokwadi, Unogona." Kana zvaidiwa zvinodiwa mubhangi inotevera magwaro:

• mapasipoti;
• Original zvekuzvarwa kwevana (kana);
• Original muchato (kana uri nhengo kwayo);
• mapasipoti uye magwaro anoratidza ukama hwavo kwamuri (kuhama dzako kuita kana mune basa co-anokwereta), uye zvichingodaro. d.

Izvi vakawanda mazita magwaro. Zvisinei, izvozvo zvinogona dzaisiyana uye vaisanganisa nemijenya kubhengi.

Sei kubhadhara chikwereti pamusoro mogeji refinancing?

chikwereti akadaro mubayiro pamwedzi pagore negore (nemamwe mazwi, akaenzana) Verengai. Akaita mutsividzo zvinotevera nzira:

• bhokisi muhofisi kubhengi mapazi;
• Nemusi basa zviteshi;
• ATMs;
• tichibatsirwa Internet rwezvemabhengi;
• kuburikidza Mobile rwezvemabhengi.

Zvinobvira here refinancing motokari chikwereti kubva Sberbank tichasangana mberi.

mutengi anomukweretesa chirongwa

Kuwedzera chikwereti, anokwereta zhinji tingasangana nezvinetso repair kwezvikwereti. Pano inongova refinancing yemutoo wezvikwereti kwakadaro hakuna inopiwa. Zvisinei, muna mari Bank kuti zvinangwa izvi kunoita mamwe chirongwa nevatengi chikwereti nechinangwa kwohumwe anomukweretesa. Ndezvipi zvechadenga rwezvemabhengi chigadzirwa?

The chikuru chinoratidza purogiramu iyi kuti rinogona kushandiswa kubhadhara kuti mamiriro zvikwereti shanu nevamwe Lenders. Somuenzaniso, kungava mutengi zvikwereti, motokari zvikwereti, uyewo pari munataisireva pamusoro ano overdraft kana kadhi rokubhengi.

Uyezve, kana maererano zvinodiwa kubhangi, mumwe anokwereta ane mukana zvinodiwa mari pasina vatumira basa chinyorwa uye mari chitupa. Uyezve, chirongwa ichi harirevi kuvapo komisheni kubhadhara nokuda issuance pamusoro chikwereti uwandu uye haatarisiri nourongwa anondibatsira.

Ndezvipi chikwereti anoreva chirongwa mutengi?

Shandisa nokuti chikwereti ichi chinogona kuitwa paIndaneti kana kushanyirwa mumwe huripo nemapazi sangano. Ari Kazhinji inopiwa mu National mari, asi chikwereti izwi iri zvishoma pamusoro 3 months, kunonyanyisa - 5 years. Naizvozvo bvumidzwa mari haafaniri kupfuudza mamiriyoni 1 rubles, nechigadziko mwero rinotanga pa 17.5%.

Ndezvipi zvinodiwa kuti zvikwereti kuti refinance?

Nokuti chirongwa ichi kunoratidzwa nemafungiro zvokusarudza kuti zvikwereti pasi refinancing muna mari Bank. Somuenzaniso, mamiriro izwi iri chikwereti haangatongogovani mwedzi isingasviki mitanhatu uye kuguma kwayo kukura pamberi - kwete mwedzi mitatu. Uyezve, chikwereti chako zvakaipa hakufaniri akapera. Kwemwedzi dzinenge mitanhatu, unofanira kugara kuripa uye kudzivirira delinquency.

Ndezvipi zvinodiwa kuti anokwereta?

Kusiyana wambotaurwa purogiramu chikwereti ichi vanogona vanhu makore 21 kusvika 65 makore. zvimwe zvose zvinodiwa, kusanganisira mukuru uye ano basa ruzivo, akafanana. Naizvozvo anobata mari Bank refinancing. Customer ongororo kuchakubatsira kuwana pfungwa mukuru pamusoro zvirongwa.

Chii vanhu vanoti pamusoro mumari Bank of refinancing nepurogiramu?

Kuti tinzwisise kubatsira sei refinancing chirongwa mumari Bank, kutendeukira kuna wongororo. Somuenzaniso, vamwe vagari kufanana chikwereti refinancing, sezvo akavabvumira kubvisa mutoro unsustainable chikwereti. Vamwe vanodavira chinonyanya kukwezva ezvinhu kuti mutengi chikwereti aine maonero mamwe refinancing, sezvo vanobvumira kuti vanovhara kune zvikwereti huru shanu. Third hariguti kukwezva co-anokwereta. Wechina sezvinoita zvinogamuchirika chimbadzo uye hapana basa.