Mboleko mboleko evela kwezinye kwiibhanki: yabathengi, sokubambisa, mboleko ezingaqhubi kakuhle

Liyanda inani labantu baseRashiya basebenzisa ngetyala. Kusenokuba mboleko zobuqu, iicredit cards mboleko auto kunye nezivumelwano zokubambisa. Kwelinye icala, oku kuya kukunceda gqitha ukuba athenge loo nto baze baqalise ukulusebenzisa. Kwelinye icala, inzala kwimali-mboleko kakhulu phezulu. Ngoko, ekupheleni yentengo zezibonelelo eninzi malunga kathathu.

Ubomi kukuba maxa wambi kukho iimeko musa kuxhomekeka kuloo mntu. Ngenxa siganeko ulahlekelwa akunakho ukuyibuyisa le mali uyibolekiweyo ngokholo elungileyo. Yintoni esinokuyenza ukuba ningethi igama lakhe nje kuphela, kodwa impahla kwakhona ezifunyenwe yawo? Kulo mzekelo, oko kunceda refinance mboleko evela kwezinye kwiibhanki. Inani imibutho ezifundisa iinkonzo yokubolekisa igcine.

definition

Ezinye iibhanki zinika mboleko refinance kwezinye kwiibhanki. Asingabo bonke abemi bazi ukuba yintoni na kanye oko kubanceda njani kule meko. Ngapha koko, iingcali sele isandi alarm: yabemi Russia mboleko. Yonke intsapho yesibini iintlawulo zenyanga iingeniso kakhulu ngaphezulu. Ngokuphathelele koku ezi-mboleko ezininzi engahlawulwanga.

Mboleko imali-mboleko - yinto mboleko evela kwenye ibhanki ukuya kweemeko ezivumayo nezincomekayo ngakumbi ezivumela iintlawulo. Ngamanye amazwi, oku ekukhutshweni kwemali ukuhlawula amatyala ukuya kwelinye iziko. Kudla umntu kuthatha mboleko ngeqondo ephantsi, nto leyo kunciphisa kakhulu intlawulo yenyanga kuyo. Okanye ukwanda ixesha lokuhlawulwa. Kuyanceda ukuba kukho mboleko eziliqela kwiibhanki ezahlukeneyo. Ngenxa yoko ke, angena kwenye.

Le yeyona ndlela ilungileyo yokuphuma kwabo, ngenxa yeemeko abanako ukubuyekeza ityala ekhoyo isixa esifanayo. Mboleko emehlweni ukuthatha kubaboleki yezazela apho igama kubalulekile.

iingenelo ukuboleka

Ukuza kuthi ga ngoku, ezinye kubaboleki beyixabisa iingenelo mboleko. Ngapha koko, umntu enika ithuba ukuyibuyisa imali endala entsha, leyo awawenza ingqalelo lemibuzo yakhe. Kwakhona iquka yezemali mboleko mortgage kwezinye kwiibhanki. Ziziphi izinto ezintle ngoxa apho?

1. Kuyenzeka ukukhetha iziko elo libonelela ngale nkonzo kwimarike ngezezimali. Oku kuba kwiziko lemali kuphela ekhuphe mboleko yangaphambili, kodwa nayo nayiphi na enye.

2. Kukho ithuba lokungena kwisivumelwano kunye ezantsi umyinge wenzala kwi-mboleko.

3. Ukunciphisa ubungakanani iintlawulo zenyanga ngokwandisa ithuba lemvumelwano.

4. Ungafumana imali eyaneleyo yokuhlawula amatyala akhoyo, olubekwe yi nayiphi na ipropati.

5. Kunokwenzeka ukuba ukudibanisa mboleko ezincinane yeebhanki ezahlukeneyo kwenye. Oku konga ixesha kwemali-mboleko.

Apho ukuze iqale

Liyanda inani maziko sizimisele ukunika uncedo ukuze refinance mboleko. Ukwanda ngokuthandwa le nkonzo ngenxa yokuba umntu ujonge ukuba iimeko kakhulu kangangoko, kunye neebhanki, neliya, banikele iimveliso zabo ukutsala abathengi. Ukongeza, ukukhula elinwabileyo waphembelela kwaye nemeko yezoqoqosho kweli lizwe, kwakunye okwanda inani mboleko mali ebesilindelwe kwiibhanki ezahlukeneyo.

inkqubo mboleko

Kwiimeko ezininzi, inkqubo yokubolekisa akufuneki ukuqokelela zonke iinkcukacha kunye namaxwebhu. Nangona kunjalo, kukho ezinye bokuqonda. Ndimele ndenze ntoni na umboleki ukuze ufumane yezemali mboleko abathengi abaphuma kwezinye iiBhanki?

• Emva kokuba isigqibo malunga noboleka umboleki ukuze ukhethe ebhankini. Oku kunokuba ibhanki efanayo okanye elinye iziko lesithathu wesithathu.
• Ukuba ukuhlola konke imiqathango yenkonzo kwaye khetha ukhetho engcono.
• Emva koko kufuneka uqhagamshelane neziko zemali ecela yokubolekisa.
• Ukuba ukhetho wawa phezu kwibhanki yomntu wesithathu, kuya kufuneka ukuba isiqinisekiso esivela ebhankini kubolekisa kwisixa setyala.
• Emva kokuba imvume liziko inika ukukhethwa best yeemveliso yokubolekisa.
• Sisivumelwano esitsha, nto leyo ethatha iimbopheleleko umboleki egqithileyo ngetyala. Kodwa ebekwe izibophelelo ezintsha eziya kufuneka ukuba enze.

nobubi yokubolekisa

Kakade ke, kunye yemfaneleko nayiphi na imveliso mboleko iye ethile, ekufuneka uyazi abathengi. Ngapha koko, xa kunjalo kufuneka wenze izigqibo uhlaziywe kwaye ngenyameko.

nobubi:

• Ezinye iibhanki ukuhlawulisa umrhumo ephakamileyo kunye client. Nokuba insurance premium, intlawulo yobhaliso okanye into elolo hlobo. Le mali ibalwa ngabanye ebhankini.
• Kwezinye iimeko kuye kufuneke ukuba uqokelele iseti eqhelekileyo yamaxwebhu.
• Xa umboleki angenza isicelo iimfuno engqongqo ngakumbi: imbali elungileyo ngetyala, akukho ezinye mboleko njalo njalo.

Service mboleko: amabango iibhanki '

mboleko mboleko Uncedo yi kokuvulwa ukuthandwa kwaye ithatha nje kuphela mboleko, kodwa iicredit cards kunye nezivumelwano zokubambisa. Ngelo xesha, ngokutsho iingcali, mboleko ixesha elide ukuba refinanced izihlandlo eziliqela.

Ukubonelela ngeenkonzo eziyimfuneko ebomini-mboleko iinyanga ubuncinane ezintandathu. Kwakhona, kungakuhle ukuba ngeli xesha akuzange kube kudala ngayo. Le ingaka ibatsalayo mkhulu ngokuba abolekisa ngemali yi-mboleko, nto leyo enika ithuba lokufumana imali ixesha elide. Kwakhona, akukho imoto ngaphantsi umdla.

amakhadi Credit eziyingenelo umboleki, kuba emva kokuba iqale intlawulo yenyanga ezinzileyo kwindalo. Imephu koko avale okanye ivaliwe. Okt, ukuvala ikhredithi khadi kunye ngoncedo mboleko, Nobolekayo ulahlekelwa ilungelo lokusebenzisa umda. Ezinye iibhanki angakunika ngetyala refinance engahlawulwanga. Nakuba kunjalo, kufuneka libe lide.

iimveliso VTB24

Musa siphambanise ne VTB24, VTB Bank. Mboleko mboleko ibonelelwa ebhankini yokuqala. Kuba ukubhalisa umele ukunika iphakheji isezantsi yamaxwebhu. Kufuneka nje ipasipoti onke amaxwebhu kwi-mboleko: le isivumelwano, ishedyuli sentlawulo, isiqinisekiso eseleyo. Kuba ikhadi lebhanki letyala kufuneka angenise isiqinisekiso imali eseleyo mboleko.

Igama elithi yesivumelwano semali-mboleko ayikho ngaphantsi kweenyanga ezintandathu. Kulo mzekelo, singaphezu abamkelwa. Kubalulekile ukuphawula ukuba unako ukufaka i-odolo ngefowuni. Ibhanki inikeza ikhono ukudibanisa mboleko ezininzi ukusuka arhente ezahlukeneyo kwenye. Oku ngakumbi konga ixesha lokuya iibhanki. Ukongeza, kunciphise kakhulu kwaye isixa sentlawulo yenyanga.

Ubukhulu iphezulu eseleyo mboleko ayidluli 750 lamawaka engange. zizinike ixesha - ukusuka kwiinyanga ezintandathu ukuya kwiminyaka-5. Umlinganiselo wenzala kuqwalaselwa ngamnye kumntu ngamnye.

mboleko Sberbank

Ngakumbi nangakumbi abantu ukunikela ingqalelo mboleko-mboleko ezisuka kwezinye kwiibhanki. Savings Bank inikeza iimeko ezithandwa kakhulu le mveliso. iziko Ekuqaleni benza uboleka nezivumelwano zokubambisa kuphela kunye nolwakhiwo. Ngoku ke uluhlu iye yandiswa iimveliso, zonke iimali-mboleko ezinkulu zibandakanyiwe, esetyenziswa yi bebonke. Elona imali yetyala - hayi ngaphantsi kwe-45 amawaka engange.

Xa usenza umboleki kufuneka angenise isiqinisekiso yebhanki imali eseleyo kwetyala. Ukongeza, le isatifikethi kufuneka kuboniswe iinkcukacha zebhanki, ubungakanani yokubheja, lonke ithuba lemvumelwano. Kwakhona, musa ukuba isiqinisekiso ingeniso eyolukileyo evela kumqeshi kunye yokundwendwela.

Ubukhulu liphezulu ityala - akukho engange ngaphezu kwesigidi esi-1. elide mboleko uyafana gama VTB24. Nangona kunjalo, imali bid usezantsi kakhulu. Kubalulekile ukuphawula ukuba imali ekhoyo kwi-Savings Bank akayi kudlala indima ekuhliseni iireyithi. Iinzuzo ziya kunikwa kuphela nabanini amakhadi yemivuzo. Ubudala umxhasi - iminyaka 21-65. Emva kokuphunyezwa kwesiCwangciso soKwandisa yonke mali idluliselwe kwi-akhawunti kwesivumelwano sentengo yemboleko.

Nceda Alfa-Bank

Alfa-Bank ikakhulu kuthatha kuphela mboleko ezinkulu, ezifana mortgages. Yokuba nenzuzo. Kuhle ukukhumbula ukuba mboleko-mboleko evela kwezinye kwiibhanki, xa isiqingatha ixesha sele kudlule, hayi kunilungele umboleki. Ngapha koko, ubuninzi inzala ethe ekuqaleni kwexesha. Isiqingatha sesibini isetyenziselwa intlawulo yetyala oyintloko.

Kulo ibhanki izinga eliphantsi. Oko kukuthi, avareji ngokunxulumene mortgage yokubolekisa. Refinance mboleko zabo ibhanki ayikwazi ngokuba ngokupheleleyo-ngemali. Ngokuchasene imvelaphi yeziganeko zangoku nkonzo kufuneka zijongwe ngokutsha. Kodwa ke umboleki kufuneka ubungqina bokuba imali yengeniso yakhe lihlile.

Oxhamlayo ekufuneni

Kuba abo ukulibaziseka, kufanele kuqatshelwe ukuba mboleko-mboleko ezingekahlawulwa nezinye iiBhanki kufuna noqeqesha ngenkqubo iphakheji epheleleyo yamaxwebhu ukuqinisekisa platezhosposobnost zabo. Ngaphandle koku, akukho namnye iibhanki uyavuma ukuthatha ityala yomboleki.

Mboleko luyingenelo kwiimeko apho kuyimfuneko ukurhoxisa ipropati ukususela isibambiso. Oko kukuthi, ukuba belizwe zisetyenziswa ukuvala i mboleko, apho ipropati mortgaged. Xa uboleka kwidiphozithi ingafuneki. Ngoko ke, ngummeli wowona sobisi ephethwe yi-nye umnikimali nomamkelimali.

Mboleko mboleko evela kwezinye iiBhanki akuyonzuzo nje kuphela abantu, kodwa kwakhona ukuba amaziko ezemali, ziye wawuqalayo ukuba poach ngokubonakalayo abathengi kontanga. Konke oku kungenxa nokurhoxa kweelayisenisi zebhanki. Ngamnye kubo uzama ukuhlala kwimarike ngokusebenzisa abathengi nzuzo kunye mboleko. Xa kukhethwe kubaboleki ngetyala olukhulu.

Ngaba ndiye ngenxa ekufuneni

Kulo mbuzo, uxanduva ngamnye ngokwakhe. Ukuba obolekayo uqinisekile ukuba inzala mboleko, makayixhome ngokuzolileyo, "draconian", okanye ubungakanani intlawulo yenyanga emagxeni akazange ngenxa yeemeko ebomini, kubalulekile ukujonga izindululo zezinye iibhanki.

Noko ke, izigulana ezo kufuneka ube imbali elungileyo ngetyala, nto leyo Makayibonise njengoko ingabo abahlawuli uxanduva. Kubalulekile ukukhumbula ukuba intlawulo yenyanga kufuneka libe ngaphezulu kwesiqingatha sengeniso zizonke mboleki. Kufuneka uthathe ingqalelo phambi abaxhomekeke kuwe. Abasebenzi ibhanki iya kubala intlawulo yenyanga ukuze ubomi eqhelekileyo umxhasi alichatshazelwa.

Internet amacebo Modern zinika ithuba ukubala zonke iindleko kwaye ukhethe i mboleko eya kuba nako ukuyenza. Kwiimeko ezininzi, ubungakanani intlawulo yenyanga yehla kakhulu kwi kuhlaziywe kwale mvumelwano.

Abaninzi babesebenzisa isibonelelo "ukuba refinance mali-mboleko." Ukubuyekezwa Customer beebhanki bathetha iimeko zivuma. kubaboleki abaninzi bakwazi ukuphefumla lula ngakumbi emva kokuba iimeko amandla majeure ebomini. Ngokukodwa, kumayelana ukuncitshiswa ingeniso yosapho.

Ngokutsho kweengcali, lo yezemali nempembelelo luncedo kuqoqosho. Ukunciphisa inani mboleko ezimbi, leyo ukuvimba abantu ukuba baphile ngakumbi ngokukhululekileyo. Ngenxa yoko, baye bakwazi ukuvala imali ekhoyo kunye nezinga ezinkulu yaye imali ngaphantsi.