A ina zan iya yin refinance jinginar gida?

Refinance jinginar gida ba ya bambanta daga irin wannan ayyukan game da wani aro. Wannan hanya ita kafin su sami wani bashi ma'aikata da adadin kudi a kan mafi m sharuddan domin biya na data kasance wajibai. A daidai wannan lokaci da asali rance za a iya bai wadãtar a cikin wannan banki da kuma sauran cibiyoyin kudin.

Amma ba duk masu ba da bashi iya bayar da jinginar gida refinancing. Banks cewa suna tsunduma a irin wadannan ayyuka a cikin Rasha Federation, wakilta VTB 24 da Sberbank. Duk da yake cikin refinancing na sauran ayyukan (kamar mota, rance ko mabukaci bashi) za a iya samu a da yawa kudi cibiyoyin.

Refinancing wani jinginar gida ne da cewa sabon rance ne sanya, Naira Miliyan Xari da wanda aka shãfe haskensu ta gabata bashi. Jingina da dukiya sake yin rijista a kan sabon mai ba da bashi da kuma borrower repays da rance ne riga wani sabon bashi ma'aikata. Yawanci, wannan aiki aka yi, idan yana yiwuwa don rage sha'awa rates, biya sharuddan ko canja kudin na biyan bashin. Alal misali, a cikin kudin da jinginar gida rates ne kusan ko da yaushe ƙananan fiye da a rubles. Duk da haka, Hakkin ake biya a Rasha rubles. Tare da ci gaban da, misali, da dollar ya karu rance nauyi a kan kasafin iyali, kamar yadda ka bukatar babban adadin a rubles tuba zuwa daloli. Saboda haka yana da wani lokacin m zuwa sabunta aro a rubles. Yana iya kuma yi sha'awar a sake rajista na aro a kan wani daina biya lokaci. Bankin VTB 24 a wannan batun, watakila da rikodin, miƙa wani matsakaicin lokaci na shekaru hamsin.

Don fara refinancing jinginar gidaje mafi alhẽri a cikin banki, inda aka asali dimbin yawa da, kamar yadda a da dama rance yarjejeniyar da bugun fanareti for farkon biya bashi ko wani moratorium a kan wanda bai kai ƙarshe na wajibai. Idan banki ba zai iya samar da wani sabis don rance, yana yiwuwa ya tafi zuwa wani kudi ma'aikata. Kamar haka wajibi ne yin lissafi nawa za kudin da rajista na sabon rance, kazalika domin sanin sha'awa kudi bambanci. Masana sun yi imani da cewa refinancing ne impractical idan sabon kudi ya bambanta daga baya daya daga kasa da kashi biyu cikin dari.

Refinancing wani jinginar gida da aka yi a wannan hanyar a matsayin misali bashi. Halitta ko doka mutum ya sallama aikace-aikace kuma aro daga chrezhdenie jami'in dake duba yawan ta yanzu solvency. Idan wani mutum ya bashi tarihi halarci bata lokaci a kan asali rance, rance sa'an nan kuma wani banki da shi na iya ƙin ba da rancen don, ko da shi yana mai isasshe high matakin na samun kudin shiga.

The mafi ban sha'awa zaɓi don wani borrower aka refinancing kudi. Jinginar gida a cikin wannan mahallin ne wajen "cheap" kudi kayan aiki, kamar yadda rates ne game da 12.5 bisa dari a cikin wancan (msl, Savings Bank). Wannan shi ne saboda yawa rance da kuma dogon lokaci balaga. Duk da yake cikin kudi na, misali, yana iya zama 18-20 bisa dari ko fiye a kan mabukaci bashi ma'amaloli.