Refinancing hoaie i loko o ka makauliʻi Bank, kaʻa loan: hōʻike manaʻo. E hiki anei ia au e ma-laweʻae'ē i loko o ka makauliʻi Bank?

aie aaioee - o ka easiest ala, e kuai i ka waiwai i oe hiki ole e kuai i ka manawa hookahi, a no ka dala. Naʻe, i kēia mea,ʻaʻole mau he aho paha. Pinepine lōʻihi-manawa loan i lilo iho i loko o maoli ka noho luhi ana, no ka mea, o ka mea hāʻawi mea hiki, e uku ia. Ma keia hihia, o ka mauu i ka make i ke kai ke kanaka ua refinancing Sberbank. Pehea ka mea i hana ai? A ma lalo o na hana hea? About ia, a kamaʻilio pū ma luna o.

Pōkole e laweʻae'ē

Refinancing mea he hou aie e hoʻolako i ka hiki, e uku aku i ka aie kahiko. Ma keia hihia, kekahi palapala aie pono e hou-hoonohonoho no ka huina nui, a ma kekahi kapa. ʻOiai ua mau papahana i ole a pau aie kulanui, ka mea, i loko o ka makauliʻi Bank o Rusia. No na hana ma ka makauliʻi Bank pehea refinancing, e haʻi hou aku.

Program e refinance loan ma Sberbank

Ma kēia wahi i loko o ka makauliʻi Bank, i ka i kēia aie papahana:

• refinancing hale loan;
• consumer uku e refinance.

He aha ke ano o ka papahana o ka refinancing o ka moraki loan?

Inā 'oe i ka nui a me ka luuluu loa moraki aie, ka mea i ano e koho i ka refinancing aie mai Sberbank. Ma keia hihia, ka polokalamu ua papahana no ka piha kaula o ka "pipiʻi" moraki,ʻaʻole wale nō, akā, no hoi, e kiʻi i ka hou aie no ka hana o ka hale, a keʻena ma ka noi (aka, e hele oe ae no ka pono o ka ona). No laila, aha mea na olelo o keia aie?

Hōʻike no ke kūlana o ka aie, mākou e loa pokole. Mua, ua haawiia mai aie i loko o ke aupuni kālā, a me ka nui o ka i emi iho malalo o 300 000 rubles. I huli ai oe, o ka loa e e manao hiki, no ka mea, i loko o ka huina i oi aku 80% o ka huina o na lilo o ka noho kiʻekiʻe a iniiaiie - manawa, a aole oi aku ka nui o kou aie i koe ma ka kekahi palapala aie - elua. Ma ke alanui, oiai ka hoʻolako 'collateral ka huina nui o ka aie, a aole e oi aku mamua o 80% o ka poe akamai i' ka loiloi 'ana.

Ka lua, refinancing komo ai Sberbank e aie me ka hana kuʻuna uku no ka issuance o i ka 30 makahiki.

He aha nō i ka uku kuala holo 'awelika no ka moraki refinancing?

Size ana ma ka polokalamu moraki refinancing i loko o ka makauliʻi Bank hilinaʻi nui ma luna o ka mea i manao ia i kā mākou wā no ka hoopuka ana loan, e like me ina paha oe e ka payroll Customer o ke kālā kula. No ka laʻana, ka wā o ka makahiki o i ka 10 makahiki, i ka nui o nā kumu kāki ma luna o loan no payroll nā mea mālama mai, e e 13,75%, mai ka 20 makahiki - 14%, a i ka 30 - 14,25% o ka makahiki. I Ina ina oe e ole he Client o Sberbank, a hoʻoponopono i ka aie no ka mea mua manawaʻaneʻi, manao noa e hoonui ia i ka luna kumu ana nō ma 0.5% o ka makahiki.

He aha e na koi no ka moraki?

Inā 'oe makemake e kiʻi i ka refinancing i loko o ka makauliʻi Bank, e hoomakaukau e i collateral. E like me ka mea i hiki ia i ka mākaukau 'ole ma lalo o ke kūkulu hale noho, a i mua a me ka moraki aie i puka mai ai. A i 'ole' oe e haawi aku bail i kekahi'ē aʻe waiwai, hoopukaia e ka hoʻokoe o ka aie. Inā makemake, kahi o ka mea hōʻoia 'oe i ka pono, e hana i ka waiho ana ma ka liʻiliʻi loa 3 miliona rubles.

Insurance: mea e pono ai,ʻaʻole?

I ka hana ana i kekahi aelike e refinance i ka aie ma ke makauliʻi Bank e hoomakaukau no ka muli o lapaʻau. Ma kekahi, oe i ke insure kou moraki waiwai, mai hiki poino, poino a me ka huina o ka make ana o ka kūlohelohe. Manawa lapaʻau hilinaʻi nui ma ka manawa o kou aie aelike.

Ua mea hiki i refinancing ma ka makauliʻi Bank, a me ka wai?

Refinancing no ka Lūkini mea hiki, akā, ma ka ano i ka mea, ke malama lakou i na pono o ka puu. He aha nō kēia mau rula? No ka laʻana, i ka manawa o ka aie noi oe e ole e ma lalo o 21 makahiki kahiko, akā,ʻaʻole nō ma mua o 75 makahiki. Pono no hoi e kekahi kalaka nui-makahiki ka hoao ana i loko o ka he hana, a me ka huina loa o ka mua 5 makahiki - 1 makahiki.

Eia hou kekahi, moraki refinancing pono ai i ke komo ana o ma ka liʻiliʻi loa ekolu ke kākoʻo '-mea hāʻawi. Ua hiki e maoli kanaka, akā, me ka uku e like me ka mea i kā mākou ka nui o ka puu aie. Kekahi o ka ke kākoʻo '-mea hāʻawi o kou loio i wahine' ole i ka wahine ke hana.

He aha nā palapala i koi 'ia no ka kakau ana?

Mai la ninau i ka papa kuhikuhiE, "ina paha oe hiki e refinancing i loko o ka makauliʻi Bank," mākou e olelo aku nei. "Ae, oe hiki." A hiki kaʻaeʻana olelo o ka puu, a me ka palapala i kēia:

• passports;
• Original hanau palapala o nā keiki (ina kekahi);
• Original mare palapala (ina oe e kekahi lala o ka mea);
• passports a me nā palapala e hōʻike i ko lākou pili iā 'oe (kou poe hoahanau hana like, inā i loko o ke kūlana o ke kākoʻo'-mea hāʻawi), a no laila, ma luna o. d.

Kēia mea he mau papa inoa o ka palapala. Naʻe, ka mea hiki ke e lauwili, a inā ma ka olelo hooholo o ka pali.

Pehea e uku aku i ka aie ma ka moraki refinancing?

Oia ka hoaie ua hoopai mai ma ka malama annuity (i loko o nā hua'ōlelo, like i) i ka huina. Hana kaula o ka i kēiaʻaoʻao.

• ma ka pahu office pali lala;
• ma ka pakiko-hana maʻi;
• ATMs;
• me ke kōkua o ka Internet hui panakō;
• ma Mobile hui panakō.

Ua mea hiki i refinancing ola auto hoaie mai Sberbank, mākou e hoʻomau.

consumer laweʻae'ē polokalamu

Ma waho aʻeo ia o ka moraki, he nui mea hāʻawi i ka mahina pilikia i ola auto loan. Eia ua pololei ka refinancing o ua loan ua i ae nei. Naʻe, i loko o ka makauliʻi Bank no kēia mau hana i ka hopena o nā consumer aie polokalamu me ka AIM o hou laweʻae'ē. He aha nō nā 'ano o ka hui panakō huahana?

Ke kumu nui hiʻona o kēia papahana nei i ka mea hiki ke hoʻohana 'ia e uku aku i ka elimaʻikena loan mai nā mea noi. No ka laʻana, ka mea, i e consumer loan, auto loan, e like me kaʻikena nā kumu'āi'ē ma kaʻikena overdraft a aie kāleka.

Eia hou, ka wā e like me ke kae o koi, kēlā mea hāʻawi mai i ka manawa kūpono e kiʻi i ka makemake dala me ka uila i hoʻouna 'hana mooolelo, a loaa ka palapala. Eia hou, i kēia polokalamu 'aʻole i imply i ke ola ana o ke Komisina uku no ka issuance o ka aie nui, a' aʻole i koi i ka hoʻolako 'ana o collateral.

He aha nō ka aie hua'ōlelo no ka polokalamu consumer?

Pili no keia aie hiki ke i online, a ma ka pono'ī aku i kekahi o ka na lala o ka hui. He ua ana i hoakaka ia ma ke aupuni kālā, i ke hoaie makahiki o ka palena iki o ke 3 mahina, i kā mākou - 5 makahiki. No laila, i ke ana dala e ole oi 1 miliona rubles, a me ka hewa i kela kaʻina kānāwai ma 17,5%.

He aha e na koi no ka loan e refinance?

No kēia polokalamu ua wehewehe aku e kekahi e wae e pili ana i ka loan malalo o ke refinancing ma ka makauliʻi Bank. No ka laʻana, ka mea he manawa o ka aie, e ole e emi malalo o eono mahina, a ma mua o ka pauʻana o kona waiwai nui - i na malama e emi malalo o ekolu. Eia hou, i kou ino uku e ole e lā. No ka mea, ma ka liʻiliʻi loa i na malama eono, oe e mau uku ia, a pale delinquency.

He aha e na koi no ka mea hāʻawi?

Like ka polokalamu mua, keia aie ke kauo kanaka elemakule 21 a hiki i 65 makahiki. All'ē aʻe e pono ai, a me ka mea nui, a he hana ka hoao ana, ua'ālike. A no laila, e hana i loko o ka makauliʻi Bank refinancing. Customer hōʻike manaʻo e kōkuaʻoe kiʻi i kekahi mau manaʻo e pili ana i ka polokalamu.

He aha kanaka olelo e pili ana i ka makauliʻi Bank o ka refinancing papahana?

E maopopo pehea waiwai refinancing polokalamu i loko o ka makauliʻi Bank, huli i ka nāʻana. No ka laʻana, kekahi poe kanaka e like moraki refinancing, e like me ka mea ae ia e wehe i ka ukana o ka unsustainable aie. 'Ē aʻe manaʻo i ka loa uʻi keia no ka consumer aie me ka manao e hou refinancing, e like me ka mea, ae oe i ka hihia i ka elima nui loan. Ekolu mea e māʻona ia,ʻo ke kākoʻo '-mea hāʻawi. Ka ha e like kaʻoluʻolu hoihoi uku a me ka ole ke aeia.