"Raiffeisenbank": refinancing "Raiffeisenbank": Izibuyekezo

Nokuthathelwa ekhishwe kuze kudlule isikhathi eside. Akubona bonke ababoleka ehluleka ukukhokha izikweletu ngendlela esifike ngesikhathi, elibangela eziningi izinkinga. Uma lokho kungase kwenzeke, kungenzeka ukuba bafeze refinancing "Raiffeisenbank". Le nqubo ihilela ebolekelwe izinkokhelo uvule ngaphansi kwezimo ezimvunayo. Imali sithathwa inkokhelo yemali ebolekwayo nomunye ebhange. Le nhlangano inikeza izimo ezivuna ababoleka.

"Raiffeisenbank" kubhekwa omunye ethandwa kakhulu namuhla. Ngosizo sabantu udonsa ezahlukene izinhlobo sokubolekwayo. izimo ezikahle uphiwa kumakhasimende akhona namasha. Omunye amasevisi iwukuba refinance, ekahle mortgage ababoleka ngubani aye sawohloka isimo sezimali.

Okufanele ukwenze nge Ukuwohloka isimo sezimali?

Akubona bonke ababoleka ukububala ngokunembile amathuba zezimali. Isibonelo, nge nokulahlekelwa umsebenzi noma ukugula nzima ukukhokhela izibopho zabo. Uma isikhathi engakhokhi loan ke:

• izinhlawulo enqwabelene;
• kukhona ekunqanyulweni ekuqaleni yesivumelwano;
• abathintekayo kule nkampani ukuze alulame izikweletu;
• zenzeka umbango.

"Raiffeisenbank" ukuzixazulula nobunzima yesikhathi esifushane lokukhokha yesikweletu. Uma ikhasimende sabhekana nobunzima okwesikhashana, kubalulekile ukwazisa yasebhange mayelana usuku cishe kokwenza inkokhelo. Lokhu kumele kwenziwe uma kwenzeka ukuthi izikweletu akuyona izinsuku ezingaphezu kwezingu-90.

isevisi Izici

Uma ubunzima eside, isidingo ukuya ebhange nge isicelo refinancing. Isinqumo yenziwa ngemva kokutadisha Imininingwane ikhasimende, izinhlelo credit, ubunkimbinkimbi. Ngosizo intando refinancing:

• ukwandisa eside loan;
• ukunciphisa izinkokhelo zenyanga;
• ukukhipha ebolekiswe ku evumayo zenzalo.

Isevisi angasebenzisa amakhasimende ekhona ebhange kanye ababoleka kusuka nezinye izinhlangano zezimali.

izimo

Ngokuvamile ingenzele e "Raiffeisenbank" mortgage refinancing. Ngaphansi kwale mibandela entsha yesivumelwano uzokwamukeleka ngaphezulu. Imibandela zihlanganisa:

• amakhredithi esiphezulu isikhathi - engu-25, uma eseduze impahla, futhi iminyaka engu-15 nge-mortgage-non-ezihlosiwe;
• ethemini ubuncane - unyaka owodwa;
• anikezwe loan in ruble;
• Ayikho ikhomishini ukuze anakwe futhi isinqumo;
• the eseduze kuyinto isibambiso;
• Izimali izofakwa ku-akhawunti, okuyinto Lalivulwe iklayenti le njongo.

amazinga

Refinancing "Raiffeisenbank" wenziwa ngesilinganiso, usayizi okuyinto incike inhloso lemali odlule yakhishwa. Amaphesenti ingahluka zonke ababoleka - konke kunqunywa kungakhathaliseki ukuthi amakhasimende njalo.

Esikhathini "Raiffeisenbank" mortgage refinancing kwenziwa 11.9% kuze enjalo sikhathi njengoba loan ngeke bhalisiwe e ebhange. Khona-ke izinga kuyehla kube 10.9%. Uma loan akufaneleki ke izinga kuzosuka 17,25% ngonyaka. Uma inkontileka esayinwe izinsuku 45 emva ukuvunyelwa ebhange, ikhasimende ukhokha inzalo ngesilinganiso esingamaphesenti 0.25%. Ngakho-ke kungcono hhayi ukuba kubambezeleke.

isamba

Umkhawulo kanye ubuncane lemali isethi esekelwe izikweletu ezisele, lesi sinqumo. "Raiffeisen Bank" linikeza ukuthatha kuze ruble ayizigidi ezingu 26. Inani ubuncane incike ibhalansi ukukhokhelwa mortgage.

wokubala

Ngiwaphuze refinance mortgage "Raiffeisenbank" e-2017? Konke kuncike uhlobo ebolekiwe, kuqala kubalulekile ukwenza ukubala besebenzisa i wokubala inthanethi, okuyinto kuwebhusayithi esemthethweni ebhange.

Udinga ukugcwalisa idatha lemali futhi isikhathi isithakazelo. I wokubala izoba abala ukukhokhelwa. Lokhu izocacisa ukuthi lemali kuyoba esingaphansi uma sisebenzisa ngosizo ebhange. Futhi ngeke setha usayizi overpayments.

tesakhiwo

Lapho ababoleka unganelisekile imigomo loan wamanje ke kukhona isixazululo: i refinancing ku "Raiffeisenbank". Bheka kungaba umuntu noma ngocingo. Lo chwepheshe ngeke aphendule yonke imibuzo nge-e-mail, ungathumela amakhophi amadokhumende. Noma ukubakhulula umuntu ehhovisi eliseduze.

Ekucubunguleni isicelo abasebenzi yasebhange ungaxhumana ikhasimende ukucacisa ulwazi lakhe isithakazelo. Ngezinye izikhathi lo muntu obolekayo edingekayo ukuze uthumele amadokhumenti ezengeziwe, ukwanda lokubhadela kokuthoma, ukuvalwa imali ekhona. Ungacela ukwamukelwa of neminye imigomo loan amanani. Ikhasimende kumele ungajahi ukuphendula, ngoba ungacabanga ngakho bese wenza isinqumo.

Isicelo kubhekwa ezinsukwini ezingu-2-5 zebhizinisi. Ngalesi sikhathi ama-solvency elilinganisiwe obolekayo, kube kucacisiwe ukwaziswa okwengeziwe, amadokhumenti, yokuqinisekisa Kwenziwa. Uma impendulo inguyebo, isisebenzi sasebhange azisa iklayenti, futhi wathi, yini imibhalo ziyadingeka. Uma kwenzeka yokwenqaba kufanele waziswe izizathu Ukungakwamukeli.

Kwenzekani ngokulandelayo?

Khona-ke kuvunyelwane usuku ngemvume idokhumenti. Ngayizolo, umphathi baxhumana umboleki. Khona-ke udinga ukukhokha umsebenzi wokulungisa izivumelwano ku imibhalo siqinisekiso.

Lapho Kusayinwa isivumelwano, lemali is adluliselwe ku-akhawunti siqu ebhange futhi obolekisayo. ukuqinisekisa ukubhalisa wenziwa izinsuku ezingaba ngu-60, lapho impahla uya ukuqinisekisa ukuvikeleka ebhange. Ikhasimende ukhokha kubhaliswa zempahla, umshwalense.

amadokhumenti

Ukuze enze refinancing Raiffeisenbank, udinga ukuqoqa madokumende alandelayo:

• Isitatimende Ilebulelwe refinancing imigomo.
• Ikhophi Amakhasi ipasipoti iklayenti nokubambisana ababoleka.
• Kuvele isitatimende engenayo.
• Ikhophi yencwadi umsebenzi.
• Ubunikazi.
• Ikhophi yesivumelwano mortgage.
• Ikhophi isimiso.

izidingo

Refinance loan, "Raiffeisen Bank" bazocula ngokuhambisana imfuneko. Iklayenti engenayo akufanele kube ruble angaphansi kuka-15 eziyinkulungwane, futhi kwezinye izindawo -. Ruble ayizigidi 20 .. Futhi co-ababoleka, lesi sibalo sehle izinkulungwane 10. Ruble. I co-umboleki kungaba umngane womshado, isihlobo, uma impahla wayo ukuletha loan.

Ngu izidingo zihlanganisa:

• kweminyaka engu-21 futhi ngesikhathi sokukhokha - akukho eminyakeni engaphezu kuka-5;
• ubuzwe WaseRussia noma yimuphi omunye State;
• esahlala futhi esebenza esifundeni Bank;
• ukubhaliswa esifundeni;
• ubudala kusuka ezinyangeni eziyi-6 ku-umsebenzi wokugcina kanye Imininingwane - 1 unyaka;
• khona ucingo;
• omuhle umlando esikweletu hhayi ningi than 2 imali engakhokhiwe e-"Raiffeisenbank", noma nezinye izinhlangano.

izidingo Collateral

Kufanele ube eseduze ngaphambi beka mortgage refinancing ku "Raiffeisenbank". Izibuyekezo abonisa ukuthi kukhona izimfuneko impahla elinikeza izibambiso. Ibhange uhlu ezindaweni lapho kungase kube ingcebo.

Ukulondeka kumele bahlangabezane nalezi zidingo ezilandelayo:

• is kuvikelwe ingcebo, nokuthi isivumelwano kwangaphambili;
• lesakhiwo kumelwe lingabi ngaphansi encumbrance ngaphandle ebhange abolekise;
• kokubhaliswa ngokomthetho ilungelo lempahla;
• nokukhokhwa ukuzibophezela odlule ababulawa ngemva yokubhaliswa ukudluliselwa ku ukuphepha sikhungo;
• Impahla akufanele sisebenzise besithathu.

Kuphela uma ngaphansi imithetho ngenhla uyohlela refinancing "Raiffeisenbank". Izibuyekezo abonisa ukuthi kukhona Kusenjalo usayizi isikhala ephilayo, indawo, endlini, isimo sabo futhi zezimali.

yokukhokha

Uma isevisi ikhishwa, inkokhelo yemali ebolekwayo in izitolimende elinganayo. Inani labo kunqunywa ubukhulu izimali enikeziwe, elithi, isithakazelo. Ngakho-ke, iklayenti ngasinye kuyoba ezahlukene. Ukuze neqhaza, ungakwazi esebenzisa ebhange, ATM, amakhadi epulasitiki. Imithetho efanayo iyasebenza njengoba loan ezivamile.

Ukukhokha kusengaphambili kwenziwa ngaphandle izimali ezengeziwe, kubalulekile ukuba sisebenzise kuphela emva kusungulwa lemali edingekayo. Ngemva kwalokho, kubalulekile ukususa encumbrance nesibambiso.

Ungenza izinkokhelo ngendlela efanayo njengoba loan ezivamile. Kukhona izindlela zokuzivikela ngokudlulisela imali ngaphandle ikhomishana, ezifana ngokusebenzisa ATM. Ngabo, inkokhelo kuyashesha.

umthengi credit

Refinance loan, "Raiffeisen Bank" abantu ngabanye kungenzeka futhi uma imalimboleko umthengi yakhishwa. Isevisi yenziwa eminyakeni 1-15. Lo mnikelo isebenza kuhambisane netinhloso, ngaphandle ibhizinisi. Imali ekhishiwe ngaphansi isiqinisekiso ingcebo, ukubhaliswa impahla umuntu wemvelo.

Kungenzeka ukuthola imali-mboleko ngaphansi 17,25 per cent uma ikhasimende - iholo. Lokhu kulinganisela evunyiwe emva ukubhalisa isibambiso. Ngaphambi kwalokhu izinga obuncane amaphesenti 18,25.

ukubolekisa auto

Lisebenza "Raiffeisenbank" refinancing ukubolekisa ezivela kwamanye amabhange amakhulu esimweni wakhishwa loan ukuthenga imoto. Le sevisi itholakala kubantu ngabanye. Ulwazi mayelana kuba kuwebhusayithi esemthethweni ebhange. Kuye uhlobo imoto izinga kuyoba amaphesenti 17-18. Isevisi lizotholakala kuphela uma wenza imoto njengoba eseduze ukuthengiselana.

lwemali abatshelekayo

Nakuba abaningi loans ekhishwe ruble, refinance loan, "Raiffeisen Bank" abantu ngabanye zingenziwa ngoba ekukhokhweni kwezikweleti izimali zakwamanye amazwe. Badinga kuphela ihambisane nezidingo sisebenza kuleli ikhomishana ekhokhele into ejwayelekile.

Ukukhokha okweqile phezu abatshelekayo lwemali zingase zihluke. Izinga kuyoba ulingana amaphesenti 10.5-12. Kumele kukhunjulwe ukuthi isevisi yenziwa kwenzeka ukuthi loan senziwa "Raiffeisenbank" esemqoka. Ukuze ukubolekisa, yakhelwe nezinye izinhlangano, inketho ayitholakali. Inhloso yayo kubhekwa ukushintsha lwemali loan ngaphakathi ebhange.

kumpendulo yekhasimende

Phakathi iningi amakhasimende ebhange ungahlangana eziningi okubuyayo mayelana service. Kuyasiza ngempela nesikhathi esinzima, nje kudingeka zithathe isinyathelo esiwujuqu manje. Kungcono ukuba bafake isicelo sokubhaliswa ka refinancing okuvela yesimo esinzima kwezezimali, kunokuba uma eziningi ubuhlongandlebe. Ukuze izinhlawulo ke lizokhokhiswa, ukuze okufanayo kungenzeka sinqatshwe.

Baningi ababoleka ukwenza inkonzo ukuze inciphise izinkokhelo ukuze babe nemali eyanele yokuphila. Abantu weneliseka ikhono ukubala izinkokhelo. Nokho, izimo ezithile ingatholakala ebhange uma sisebenzisa.

On Web sites, sihlangana izimpendulo eziningi mayelana lokuthi amakhasimende ebhange ingenzele loans ezimbi. Ngokusho kwakhe etholwe ngokweqile ezinkulu. Khona-ke ikhambi ukuklama refinancing.

Emihle nemibi refinancing

Refinancing izitshela ukuthi iklayenti uthola imigomo ngcono kunalabo abababusayo ku ayamukela loan ngaphambili.

Izinzuzo amasevisi zihlanganisa:

• ukucutshungulwa okusheshayo kwezicelo;
• nemeneja ocingweni;
• awokuthi ukwamukelwa;
• usizo kuzo zonke izigaba;
• ngaphansi kwezimo ezimvunayo;
• nokuncipha izimali nokwanda esikhathini;
• ushintsho lwemali angangeni kazwelonke.

I yokuntula zihlanganisa:

• iqoqo imibhalo ka umboleki, guarantors futhi umhlabathi;
• kokuchitha on ukuhlolwa umsebenzi wokulungisa izivumelwano, ukubhaliswa;
• ngoba befuna imbuyiselo ekuqaleni ebhange odlule kungase kufaneleke.

Ngokusho Izibuyekezo kuyacaca ukuthi sifana refinancing inkonzo, njengoba evumela ukuthuthukisa isimo sezimali. Naye kungenzeka ukunciphisa noma ukwandisa eside inkokhelo. Kodwa kulabo abangakholwa kuyoba usizo olukhulu kubantu nesimo esinzima kwezezimali. Abasebenzi "Raiffeisenbank" aluleka ababoleka kuzo zonke izindaba, ngakho kufanele ibuphi ubunzima esingase sibhekane naleso sokubhalisa.