Refinancing Mortgages: Banks. Refinancing ane chikwereti mu "nemari Bank": wongororo

Kuwedzera kufarira pamahombekombe nechikwereti zvigadzirwa riri kufurira anokwereta kutsvaka zvemakwikwi vachiriita. Kuburikidza ichi refinancing munhu chikwereti ari kuramba dzakakurumbira. Asi vasati vabvuma akadaro panyaya, zvinokosha kuti tizive, uyewo kana zvinobatsira chaizvoizvo?

Zvikonzero Refinancing

Refinancing munhu chikwereti ari Clearance weimwe chikwereti nezvakanakisisa mashoko uye mamiriro, chinangwa chiri kuvhara aivapo redzimba chikwereti. danho rakadaro vari kugadziriswa nevaya vanotenda vaitaura mamwe mabhanga kunobatsira kuwedzera dzavanotizira vaitendawo payo.

Kana kare rakapa zvikwereti chikwereti pa 13% chete annum, asi ikozvino mabhanga akawanda kupa chete basa kare panguva 10-11%. Sezvingatarisirwa, kwakadaro chikwereti achava isingadhuri. Naizvozvo, anokwereta vari kutanga kutsvaka musoro masangano zvemari kuti achakwanisa refinance navo. Sezvo mabhanga hapana kukurumidza kugadzirisa huripo zvikwereti, kutsvaka nzira refinancing kuva musoro uye akarurama sarudzo.

Akapiwa nguva, ayo akapa zvikwereti pekugara, refinancing ane chikwereti kunobatsira chaizvo. Rate akatema kunyange vaviri muzana kuchabatsira iyi, zvinokosha mari. Kana muzana musiyano iri shoma, zviri nani kwete perekreditovyvatsya. Uyewo, refinancing zvinoda munhu chikwereti nomumwe mubhengi vose nemigumisiro yayo: kunyoresa inishuwarenzi, mari yose inodiwa mari yechikoro makomisheni. Uye hatifaniri kukanganwa kuti zvikuru richaperera simba uye nguva.

Conditions nokuti refinancing

Kupa vatengi edu refinancing munhu chikwereti asingagoni mabhanga zvose. chipo ichi zvinoshanda ane ngozi, saka, nokuti issuance yemutoo wezvikwereti vakadaro vanoda okuwedzera kuchengeterwa uye kuumba nayo simba haasi mumwe chikwereti.

Pasinei nokuti mamiriro nemari mukwereti kuedzwawo magadzirirwe redzimba chikwereti, refinancing ane chikwereti nomumwe mubhengi zvinoda apiwa kuzviongorora.

Zvinodiwa Kuti refinancing

Kungofanana chikwereti, apo anokweretesa chikwereti nhoroondo kunokosha. Kuwedzera kune mwero pasuru magwaro hunodiwa kuti fomu vanyorwa chikwereti, kubhangi zvinoda munhu paine chikwereti chibvumirano uye wobvunzisisa pamusoro kusavapo nonoka uye nehana kuitwa pamusoro chikwereti. Unofanira kuva vabvumirana magetsi mukweretesi yakanyorwa yokutanga mutsividzo pakati chikwereti.

Client zvinodiwa

The kuitika chikwereti chikwereti anofanira rakapa kwete asingasviki 1 year ago uye panguva kushandiswa zvikwereti pokugara havafaniri kubvumirwa nonoka kubhadhara. Kana tikafunga refinancing pakati chikwereti iri mari Bank, zvinogona kucherechedzwa anokwezva zvikuru mazwi. Pano vari chete kuvimba refinancing vangangoti nehana payers.

Various nzira anomukweretesa

Sezvakaita pamwe yepakutanga zvikwereti kwedzimba, kuti varonge refinancing munhu chikwereti, mabhengi zvinoda rubatso, iyo inoshanda sezvo vawana pfuma. Nokuda kwechikonzero ichi, kuti nemhosva vanofanira kupa magwaro kuti asimbise mamiriro ake zvemari uye nechokuguma evaluators, pamusoro mutengo redzimba.

Kubva kubhangi kuti akapa chikwereti, zvinoda yakarongwa kubvumirana pakunyorera pakazovharwa chikwereti mberi purogiramu. Akakweretesa, kuti kunze refinancing kunodiwa uchatamisa mari yacho inodiwa akaundi, zvinoreva kana ukagamuchira chikwereti anovhara uye anobvisa chinovadzivirira chokugara nzvimbo.

Kwenguva pfupi apo kadhi sangano rinobviswa rubatso pfuma, uye mumwe haina zvavakatemerwa, mutengi achava kubhadhara yepamusoro yechimbadzo chikwereti. chiyero kwakadaro rudzi inishuwarenzi kuti bhangi refinancing. Pashure vamwe kuchengeteka pamusoro chikwereti zvose asi. Asi rekukwazisa vanyorwa rubatso, kutanga kushanda munhu kuderedzwa chimbadzo.

Possible vaitaura kuti mogeji anomukweretesa

Vaya vakasarudza refinance chikwereti, zvinobatsira kuverenga pre-vaitaura kuti mabhanga akawanda. Vanogona vanosiyana zvinotevera parameters:

• mubereko rate;
• chikwereti mazwi;
• uwandu zvikwereti.

Pane mamiriro chisingaperi mumwe chete kuti wakaisa zvikwereti zvose. It chokuita chikwereti chinangwa, izvo akatuma chete zvizere mutsividzo ane chikwereti nomumwe mubhengi. Uye dzimwe nguva mari vari dzinounzwa bedzi mutsividzo pamusoro wechikoro uye mubereko uye dzimwe fanira kubhadhara kuti akakwereta vanofanira kubhadhara ariega.

Chimwe refinancing Ipfungwa kunosanganisira kwete chete kuripwa wechikoro, asi kuripwa mubereko uye nezvimwe chikwereti kubhadhara. Nezvahwo rakapa chikwereti akapfuudza uwandu vachibhadhara pamusoro ano mogeji chibvumirano. Panyaya iyi, kuti nemhosva anekodzero kushandisa yasara mari sezvaanoda.

Musiyano pakati prices

Mortgage chikwereti kunosanganisira yakawanda chikwereti, saka usati wasarudza mubhengi, unofanira ukanyatsoongorora vose vaitaura uye kwete kutora nguva kubatsirwa Masvomhu.

Inopiwa mabhanga zvikwereti zvinogona vose wakaiswa uye zvinoyangarara prices. Kunyange zita pachena kuti wokutanga inoramba kuchinja nokuda yose chikwereti nguva. Zviri nyore chaizvo uye anobvumira kuti kwerubwinyo rwakagara rwuripo-urongwa zvekushandisa.

Zvinoyangarara zvazvingava ane zvinoriumba maviri: wakaiswa uye shanduka. Mumwe richaramba chete, uye mumwe kunobva zvimwewo zvinoitika, chichakurukurwa raanotaura chibvumirano iri. Nokuti Ruble chikwereti atora Change kuyangarara mwero pakushandisa Mosprime chakarurama, nokuda izvo zvakasiyana zvinogona kuitika zuva nezuva.

Pamwe mubhengi rates, pane refinancing mwero wakasiyiwa Central Bank. Ndiyo huru chishandiso kudzora chikwereti mubereko kuti rinoshandiswa ne Central Bank of anokweretesa mabhanga. zvazvingava Izvi pasi kuchinja, asi kwete kupfuura 1 nguva pagore.

Currency mortgages

Currency chikwereti refinancing kazhinji haana mari. Credit dzimwe mari manotsi angaita seanotora mwoyo chaizvo panguva kunyoresa, asi currency musika iri isina, uye mamiriro ezvinhu anogona zvikuru mamiriro chero nguva. Panyaya iyi, muripo kuchawedzera.

Mune zvimwe zviitiko, mabhengi dzinobvumirana kuchinja chikwereti mari, asi kuuya pamusoro ichi hachisi zvose. Hongu, uye pano zvose zvichava kuvimba chaiyo anokwereta.

mhando refinancing

Kuchinja mumwe chikwereti kune mumwe, uye iwe unogona kushandura zvinhu ezvinhu ayo. Somuenzaniso, kuderedza kana kuwedzera rokuti chikwereti, kutsiva chikwereti mari, rezasi kuti chimbadzo kana kuderedza uwandu pamwedzi kubhadhara.

Ekupedzisira nzira iri muduku akanaka, kubvira rutapudzo rokubva kubhadhara yakawedzera chikwereti izwi, uye, naizvozvo, kuwanda overpayment pamusoro chikwereti.

zvinowanika zviri mabhanga

Chinonyanya kunobatsira ndiyo refinancing kuti mogeji Sberbank. Customer wongororo nezvesangano ichi vainyanya akanaka. Refinancing With Panyaya yose chikamu chikwereti nomumwe mubhengi, uye chikwereti nguva inogona kusvika makore 30.

Kana yakawanda chikwereti hakuiti kupfuudza mamiriyoni 1,5 rubles, zvine musoro kushandisa kuti "RosEvroBank". chibvumirano nguva makore 20, asi kunoda kubhadharwa muripo weUS 0,8% uwandu yakagamuchirwa.

Refinancing ine chikwereti mu "Bank of Moscow" Zvinobvira kunyange shoma chikwereti asara, pamwe yakaderera chaizvo chikamu 11,95-12,95% uye kwenguva refu makore 30.

Muzviitiko uko chikwereti riri guru kwazvo, kubatsira "Absolut Bank". It anoshanda zvikwereti kubva rubles anosvika mamiriyoni 15. chikwereti izwi makore 25. Asi vanofanira kuva inishuwarenzi panguva mutengi uye kuripwa komisheni.

Haufaniri kuvimba zvakawanda pamusoro kuvimbika uye pachena kuti chikwereti masangano. Havasi mabhanga akashuma zvose dzakamirira mhosva pasi chikwereti chibvumirano, izvo zvinogona chokwadi kuvanza yakawanda misungo. Saka, muna kusarudza refinancing, vaitaura zvose nokuda inishuwarenzi dzezvekodzero, kubhadhara mari yechikoro inofanira kuongorora zvakadzama, uye zvichingodaro. E., kuti aida kubatsira vasina kuva zvekufungidzira.