Ua mea hiki e refinance i ka aie a me ka ino aie mōʻaukala? Pehea e refinance me heʻino paha aie mōʻaukala?

E hoolilo ana i ka aie "nui a me ka pipiʻi", he nui mea hāʻawi mai i i paipai i ka mea hiki ke kali i ka hopena o ka non-payers. Akā manawa hele, a ma kekahi wahi ka mea, eʻalo i nā kālā pilikia. Aie mōʻaukala loa'ānaiʻia, a me ka aie a hoʻomaka e ulu e like me ka snowball. Ma keia hihia, i ka maikaʻi koho makemake e e refinance i ka aie me ka maikaʻiʻole aie mōʻaukala. He aha ka keia hana? A me ka malama ia anei kiʻi,ʻAʻole eʻole no ka defaulters?

I ka hopena maikaʻi ka loiloi 'ia kou aie mōʻaukala ma ke kapa o ka olelo hooholo?

OʻAʻole he nui huna o ka mea, he mea mistrust ma ka aoao o ka laweʻae'ē kulanui i kā lākou hou nā mea kūʻai mai a unreliable kanaka. Ma kekahi, ua e kamailio e pili ana i nā mea hāʻawi, ka mea no kekahi kumu i hōkaiʻia aie mōʻaukala. I ka mea, i ia i ka pohaku hope ma ka pālākiō, a e alakai ai i ka piha kūpono ole mea i loko o ka lokomaikaʻi o ka mea aie. Aka, mea hāʻawi i ka ino kaulana o ka manawa, e refinance me ka hewa aie mōʻaukala. Pehea o kēia hiki?

Pehea ua ka aie refinancing?

Mua o nā mea a pau, he mea pono e mai la oia i ka refinancing mea he ua hui panakō hana i mau hiʻohiʻona nō mea hāʻawi e hoʻololi i ka palapala aie hua'ōlelo i loko o lākou ka lokomaikaʻiʻia mai. O ka holo ana, 'aʻole i manaʻo i kēia mea e palapala aku i kou aie. Eia naʻe, mahalo i keia hana, mai defaulters i ka manawa nui e loaa i ka loiloi 'ia o ka aie aelike. He aha oukou e hanaʻi pela?

Ma na mea olelo, ka mea hāʻawi mai i ka laweʻae'ē kula, a noi aku ia i ka hoʻopaʻi refinancing aie. O ka papa, no ka mea, ua pono ia i ka loa maikai kumu a me ka hoike. No ka laʻana, ma muli o ia kekahi ulia a kūlohelohe,ʻo ia ka lilo ana o kona waiwai wale. He Ua kī mai ka hana,ʻo ia i seriouslyʻeha ma luna o ka hana,ʻo ia i kī, etc.

Ma ia wahi, i hiki, ke kae hāpai mai refinance hoaie me ka pilikia aie mōʻaukala. Ie oia kŰlń ao ka aie a me ka hiki ia ho'ēmi i kā ka nui o ka malama uku, e pono i ka Client kaʻikena kālā uea '.

Refinancing a ua hanaʻia e nā kapa, kālā kulanui'ē aʻe ma mua o ka mea noi. i pahuna mau papa hana ma Kaʻahumanu, a, ma ka alodio hua'ōlelo, 'poaching' ana o nā mea kūʻai mai, mai nā kānaka hoʻokūkū. No ka mea, ua loan i malamaia lakou nei, me "ia-Mix ai ho'ēmi '" (he lākou i mau consumer loan, dala loan, uku pepa) a me ka nui loan (mortgages a me kaʻa loan). Ma ia ia uku noonoo ana i na kapa e mai ka wā refinancing i ka hoaie me ka inoino aie mōʻaukala a me kekahi o ia e kiʻi i kēia hana?

I kapa i refinancing polokalamu?

refinancing polokalamu a hana i na mea he nui Lūkini mau kapa a pau. Ka mea, i loko o na papa hana e like me:

• Sberbank o Rusia (hale loan a me consumer loan no refinancing);
• VTB24 (refinancing dala loan, uku pepa, kaʻa loan a me dala loan);
• "Rossselhozbank" (consumer loan);
• "Alfa-Bank" (i ka moraki), a me kekahi poe e ae.

"E hai mai oe iaʻu i kahi au i ka aie, a me au e hai aku oe i ka mea au i"

Mua, mea, e nana aku i ke kapa, ina e he aie kula kahi i ka aie i ka ai. Ma hope o nā mea a pau, i ka inoa maikaʻi mea,ʻaʻole wale nō mea hāʻawi, akā, i mai kālā kulanui. A me ia e pono, i kekahi o na kapa lōʻihi malu, e hina ia unreliability. Eia hou, i ke kumu o ka pōʻino, ua aie mōʻaukala o ka mea hāʻawi i e banal kae manakia hewa, accidentally hui pu i na inoa, etc.

Hoao ia mea maoli, ina o ka mea hāʻawi ka 100% ka oiaio o kona hewa. No keia hopena, ma mua ana e refinance i ka aie a me ka ino aie mōʻaukala, e pono e kelepona i ka ai Buro TSBKI a me ka wahi (ina oe i kou IQ pili i kekahi). A laila, e ike ana i ka mea noi hao i kou moʻolelo, ua hiki hoao i kona hewa ma ka 'aha hoʻokolokolo. Hope, a me ka verdict a me ka hoike ana o kona manaʻo maikaʻi, ka mea, he pomaikai, e pili ana i ka Bank.

ʻO ia He oiaio no ka epa me ka aie, no ka kekahi laʻana, ina e lilo he luahi o ka epa, ua hoopuka ia ka aie ma kou inoa.

Huina, manawa a me nā kumu o ka insolvency

Mua au e hai aku ia oe e pili ana pehea e refinance ka hoaie me ka inoino aie mōʻaukala, ke kaeʻiʻo ho'āʻo e loaʻa mai i ke kumu o kou non-uku. No 'elele o kālā a papa hana e e hoihoi i loko o kēia kumu.

• ka nui o ole hoʻi;
• i ke alapine (frequency) o ole-uku (pehea mau mea nō);
• He aha mea i ka manawa o kou aie (lā, ka malama, i elua malama, i ka makahiki);
• no ka mea, pehea lā ka lōʻihi o uku (i ka mahina paha elua, etc.) i hoolohi.

Nō kāu, he uuku nui o ka aie (a me kekahi-manawa ole-uku) mea ole ona, no laila ia mea no laila, hāʻawi ke manaʻo nei e refinance me ka hewa aie mōʻaukala. Akā, aha ina oe i lawe mai no ka "ʻeleʻele papa" dodgers, a hoole i ka refinance?

Koho, e hoʻoponopono i ka pilikia a me ka "pipiʻi" loan

Inā 'oe e hōʻole i loko o kekahi mau kapa, ka hoʻomanaʻoʻana i kou unreliable, mai pipi lehu ma luna o kona poʻo. He nui no hoi na ka papa haʻawina. No kekahi laʻana, e hiki mau ai imi ole i ka nui a mau kapa, a me ka poe liilii. Mua, e like me ka rula, i ole shortage o nā mea kūʻai mai, no laila, ua hiki discriminate ku e ole-payers. Small like aie kulanui (no ka laʻana, "Tempbank") e kaua ana no kēlā me kēia Client, a, no laila, nui kupaʻa i 'ole-payers.

Eia hou, ina oe eʻaʻole hiki iā e refinancing i hoaie me ka inoino aie mōʻaukala i loko o ke kapa, e hiki mau hana i nā lawelawe o ka ole-kapa kulanui. Ua hiki ia MFIs. Ka mea, e hoi kupaʻa i na nā mea kūʻai mai, akā, kā lākou mau 'elele mai i IeAUPIIe, IAa IO haawi nui dala o ka ee mua.

Maluna o ka loiloi mua lapaʻau 'oe ke kiʻi ma kahi o 4 000-10 000. Inā ka aie e hoopai mai ma ka manawa, e mahuahua ka aie dala, e. I ka pono e hiki ke manaoia ma ka MFI - 1-2 miliona rubles. Haʻalele kapa microfinance kulanui haawi i ke kala no ka pōkole manawa, a me ka pakeneka no ka hoʻohanaʻana i ia mau loan mea nui kiʻekiʻe.

Inā 'oe i hoʻoholo ihola mea ua e hoopuka i refinance i ke kapa a pau, alaila, me ka maluhia e hiki i collateral o kona pono. ʻOkoʻa, e hiki ke imi i nā lawelawe o ka bail.

Ma pōkole, huli i ka pāʻoihana i ka pilikia, ina e pono ai, hiki e. Ua makemake makemake.