Zvinoita here refinance kuti chikwereti ane dzakaipa chikwereti nhoroondo? Sei refinance nezvakaipa chikwereti nhoroondo?

Kuita "guru uye anodhura" chikwereti, anokwereta vakawanda havatombobvumi zvinoratidza kuti vanogona kutarisira njodzi dzisiri payers. Asi nguva inopfuura, uye pane imwe nguva vakanga nezvinetso zvemari. Credit nhoroondo vakapamba chose, uye zvikwereti dzinotanga kukura sezvinoita snowball. Panyaya iyi, akakodzera kuita yaizova kuti refinance chikwereti chacho nezvakaipa chikwereti nhoroondo. Chii chinonzi basa iri? Uye chaizvoizvo tapererwa nokuda defaulters?

Ko kunaka ongororo yako chikwereti nhoroondo pamahombekombe chisarudzo?

Haisi zvakavanzika guru nezvokuti pane kusavimbana pamusoro chikamu kukweretesa masangano vatengi zvitsva zvavo kana vagari kuvimbika. Zvikurukuru, tiri kutaura pamusoro anokwereta, uyo vamwe chikonzero yakanga yaparadzwa chikwereti nhoroondo. Kuti ibwe wokupedzisira ari pamwero, iyo ichaita kuti preponderance haisi nyasha nechikwereti. Kunyange zvakadaro, anokwereta ane mukurumbira wakaipa ndiwo mukana refinance nezvakaipa chikwereti nhoroondo. Izvi zvinokwanisika sei?

iri sei chikwereti refinancing?

Chokutanga, zvinofanira kutaurwa kuti refinancing ndiyo imwe rwezvemabhengi basa kuti inogonesa anokwereta yokugadziridza chepakutanga chikwereti mazwi avo nyasha. Chokwadi, izvi hazvirevi kuti iwe nyora chikwereti chako. Zvisinei, nemhaka iyi basa kubva defaulters guru mukana kuwana kudzokorora chikwereti chibvumirano. Unorevei?

Mumashoko nyore, akakwereta anouya anomukweretesa kupfungwa uye kumbira kuti kuuraya refinancing chikwereti. Chokwadi, nokuti anofanira kuva nechikonzero chakanaka chaizvo uye uchapupu. Somuenzaniso, nokuda netsaona kana njodzi dzinongoitika dzoga, akarasikirwa nepfuma yake pfuma chete. Akanga vanogumurwa kubva kubasa, iye akakuvara kubasa, akanga adzingwa basa, etc.

Mumamiriro ezvinhu akadaro, kubhangi anoita refinance chikwereti nezvakaipa chikwereti nhoroondo. kureva iye kunosvika chikwereti uye pakudaro kunoderedza uwandu rendi kuti ndikwane yeGmail.END_STRONG mari nezvaanogona pari.

Refinancing uye anoitwa nevamwe mabhanga, mari masangano kunze womunhu anomukweretesa. Mapurogiramu aya nechinangwa kukwezva uye, zviri nyore, 'poaching' kuti vatengi kubvira vakwikwidzi. Nokuda kwezvikwereti akadaro sevanhu "pasi-kunovhengana Tera" (kutaridza vakawanda zvikwereti mutengi, zvikwereti mari, makadhi) uye zvikwereti guru (mortgages uye zvikwereti motokari). On iroro Fungisisa nemabhengi kuti kubva apo refinancing chikwereti nezvakaipa chikwereti nhoroondo uye mumwe wavo anogona kuwana basa iri?

Izvo mabhanga vane refinancing chirongwa?

refinancing zvirongwa anoshanda mune mabhanga mazhinji Russian. Vari masangano akadai:

• Sberbank kweRussia (dzimba zvikwereti uye zvikwereti nevatengi nokuda refinancing);
• VTB24 (refinancing zvikwereti mari, makadhi, zvikwereti motokari uye zvikwereti mari);
• "Rossselhozbank" (nevatengi zvikwereti);
• "Alfa-Bank" (chikwereti), uye vamwe.

"Ndiudze iwe wakatora apo zvikwereti, uye ini ndigokuudzai ani muri"

Chokutanga, chii kutsvaka mubhengi, kadhi sangano kwaizovepiko chikwereti akatora chikwereti. Pashure pezvose, mukurumbira hakusi chete anokwereta, asiwo kubva zvemari masangano. Uye kuti vave vakatendeseka, vamwe mabhanga ane refu mumvuri Falls unreliability. Uyezve, mhosva tagovera chikwereti nhoroondo anokwereta kungava banal kukanganisa Maneja, netsaona Vaisanganisa mazita, etc.

Ratidza zviri zvechokwadi, kana anokwereta 100% chokwadi chake nemhosva. Kuti izvi zvidaro, usati kushandisa kuti refinance kuti chikwereti ane akaipa zvikwereti nhoroondo, unofanira kutaura chikwereti Bureau TSBKI kana nzvimbo (kana uchiziva IQ yako zvinoreva chero). Zvino, muchiziva akakweretesa akapamba nyaya yako, tinogona kuratidza ake mhosva mudare. Gare gare, pamwechete mutongo uye uchapupu mukurumbira wayo, zvinokuchengetedzai kushandisa kuna Bank.

Ndizvowo kuti kubiridzirwa pamwe zvikwereti Somuenzaniso, kana wava kubatwa dzokudarika, zvamatonga chikwereti chacho zita renyu.

Amount, nguva uye zvinokonzera insolvency

Ndisati ndakuudzai sei refinance chikwereti nezvakaipa chikwereti nhoroondo, kubhangi zvirokwazvo edza kuziva mhosva yako isiri muripo. Kunyanya vamiririri masangano zvemari achava kufarira pfungwa dzinotevera muna:

• uwandu pasina kudzoka;
• kakawanda vasiri kubhadharwa (sei kugara vari);
• Chii izwi ngava (zuva, mwedzi, mwedzi miviri, rimwe gore);
• kwenguva yakareba sei kubhadharwa (a mwedzi kana miviri, etc.) rwanonoka.

Kazhinji, shoma chikwereti (uye imwe-nguva vasiri kubhadhara) hakusi chinouraya, saka ndizvo anokwereta vangatarisira refinance nezvakaipa chikwereti nhoroondo. Asi chii kana uchiri wabudisa "dema zvakarongwa" dodgers uye vakaramba refinance?

Options kugadzirisa dambudziko pamwe zvikwereti "anodhura"

Kana akaramba ari mabhanga akawanda, kuyeuka kwako wokusavimbika, regai kusasa madota pamusoro wake. Kune dzimwe zvinotsiva zhinji. Somuenzaniso, unogona edzai kwete mabhanga makuru uye duku. Chokutanga, sezvo mutemo, vane haazivani vatengi, saka iwewo unogona rusarura vasiri payers. Small sezvo chikwereti zvikoro (somuenzaniso, "Tempbank") vari kurwira nomumwe nemhosva uye, naizvozvo, vakawanda vakavimbika kune vasiri payers.

Uyezve, kana usingakwanisi kuita refinancing chikwereti nezvakaipa chikwereti nhoroondo mubhangi, unogona kushandisa kuminamato asiri Bank masangano nguva dzose. Zvinogona kuva MFIs. Vanodawo vakavimbika kune vatengi, asi vamiririri vavo havawanzosarudzi kupa yakawanda yokutanga yemabhuku.

Pamusoro kwokutanga kurapwa unogona kuwana anenge 4 000-10 000. Kana chikwereti iri kubhadharwa ari nguva, kuti chikwereti uwandu achawedzerwa. The yakanakisisa kuti angatarisirwa muna MFI - mamiriyoni 1-2 rubles. Kusiyana mabhanga zvitsva zvokukweretesa zvikoro kukweretesa mari kwenguva pfupi, uye kuti kubva muzana nekuda kushandiswa zvikwereti akadaro yepamusoro zvikuru.

Kana vakasarudza chii chero chaiva nyaya refinance kubhangi, zvino sezvo kuchengeteka unogona kupa rubatso rakavimbika. Nerumwe, unogona kutsvaka mabasa mari yechibatiso.

Muchidimbu, kuwana dambudziko, kana zvichikodzera, unogona kuva. It aizoshuva.