"Aikin gona Bank", da refinancing na aro: da yanayi, da sha'awa rates, kuma bankin ta shirin

Bisa kididdigar da, kusan kowane biyu mazauni na kasar aiki akwai bashin. Kuma mafi yawansu suna ba da aka jera a kan wani guda aro. So in saya mafi makõmarku dukiya, mutane zuwa banki, inda su aikace-aikace don rajista na aro Lalle ne zã a amince. A wannan yanayin, da suka manta da su kula da samarwa rates. Mene ne bambanci, babban abu - zarar ya zama ma'abũcin wani tsada wayar / mota / Apartment ...

Lokacin da lokacin da biyan bashi, da biyan hoto ne kadan spoiled ... Babu wanda yake so ya biya wata babbar adadin a kowane wata. Sa'an nan bashi fara duba hanyoyin da za a magance wannan matsala: wani sayar da coveted sayen, wasu shawarta sabunta. A karshen da za a tattauna kara. Ko kuma wajen, yadda yake da wannan hanya a cikin banki "Rosselkhozbank".

Refinancing rance daga sauran bankunan: sabis description

"Aikin gona Bank" domin taimaka hanzari da bashi da sauran bankunan, sayar a irin wannan sabis, kamar yadda refinancing rance. Its ainihi ta'allaka ne da cewa borrower sa fitar da wani sabon rance a cikin "aikin gona Bank" a cikin adadin bashin wa wani kudi ma'aikata. Idan ka yi a baya dauka da yawa rance, su za a iya rufe a lokaci guda, samun daya "manyan" ranta wa kamfanin a tambaya. Saboda ƙananan amfani rates da kuma dogon lokaci na rance rage muhimmanci da matakin na wata-wata biya. Saboda haka, ya zama da sauki a biya aro tare da banki "Rasha aikin gona Bank"!

Refinancing rance daga sauran bankuna kawai samuwa a nan a cikin rashi na abokin ciniki bashi. Wannan shi ne saboda sabon rance iya rufe kawai Babban jiki na aro da kuma ban sha'awa a kanta, amma ba tarar da bugun fanareti.

Asiri refinancing

Idan so, shirya refinancing rance "Rosselkhozbank" ya kamata ya cika a cikin aikace-aikace tsari da kuma bankin shirya bukata takardun. A daidai wannan lokaci, za ka iya cika fitar da aikace-aikace kuma ta hanyar da official website na banki "Rosselkhozbank". Refinancing mabukaci rance zai sa'an nan za a kashe da yawa sauri. Wannan shi ne isa Internet / sirri kwamfuta tare da Internet access da kuma kadan lokaci.

Shawara na aikace-aikace na refinancing a matsayin aro a cikin "aikin gona Bank" ga mutane da aka yi a cikin 3 aiki kwanaki. Bayan haka, m borrower za a sanar da yanke shawara. Idan amsar ita ce eh - shi zai zama dole don kari da takardun bace "takardunku." Wato, wani tsantsa daga cikin samuwa bashi bashin, da bincike game da rashi na m biya da kuma kwangila a kan aro.

sharuddan

M abokan ciniki duba bashi ma'aikata za su zama da ban sha'awa da kuma amfani sani a kan abin da sharuddan bayar da refinancing "Rosselkhozbank". A yanayi ne kamar haka:

• The adadin da sabon rance ba zai iya zama fiye da jimlar adadin bashin wa sauran bashi. A wannan yanayin, matsakaicin adadin ba tare da tsaro ne 750,000 rubles, tare da software - 1,000,000 rubles. A aro har zuwa miliyan rubles kuma za a iya bayar ba tare da samar da mahalarta da albashi aikin na "Rosselkhozbank".
• Matsakaicin matsayin aro lokaci - 5 shekaru.
• Software. Idan a kan aro, wanda shi ne batun refinancing aka bayar da software, da kuma "aikin gona Bank" Za bukatar wannan. A babu irin wannan yanayi a cikin wannan banki ne ma software ba bukata. Idan ya cancanta, da software za su iya aiki a matsayin garanti na mutane, doka mutane ko jingina da ruwa dukiya.

Aikin gona Bank buga kanta a rabe daga dozin bankuna a zabi wani Hanyar biya ta borrower na bashi biya. Saboda haka, ya iya zabar da annuity (wata-wata biya daidaita da bashi ga duration) ko bambanci (da adadin biya ta wata ne sannu a hankali canza) rubuta.

sha'awa kudi

A amfani kudi ne m da yawa aka gyara. Saboda haka, na farko da darajar kayyade aro lokaci. Alal misali, idan kana so ka yi a matsayin aro na wani dan gajeren lokaci (har zuwa watanni 12), da rance za a lasafta shan la'akari da sha'awa kudi, daidai 13.5% annum. Idan rance ne ya kamata su kama a wani lokaci 1-5 shekaru, sa'an nan refinancing kudi Rosselkhozbank zai daidaita 15% annum.

Amma akwai wani jerin abubuwan da zai iya haifar da wata karuwa ko raguwa a matakin ban sha'awa rates. Suna nan kamar haka:

• 6% idan akwai bambancin ra'ayi a borrower / co-borrower inshora da rayuwa da kuma kiwon lafiya, ko a cikin yanayin da ba na yarda da wannan takalifi da wadannan mutane a lokacin da dukan aro lokaci.
• 3% a cikin rashi na takardun gaskatãwa niyya amfani da karin wajen.
• -0,6% domin "jama'a kansu" albashi abokan ciniki, abokan ciniki tare da wani "fari" bashi tarihi "Rosselkhozbank".

Bukatun ga bashi

Kamar yadda wani ɓangare na labarin zai zama ya dace a yi ado da kuma bukatun ga bashi nan. Alal misali, ka cancanci zuwa sabunta your rance iya kawai mutane a "Rosselkhozbank", ya gana da wadannan bukatun:

• A gaban Rasha dan kasa.
• Dindindin rajista a lura yankin.
• Age na abokin ciniki daga shekaru 23 a lokacin da rajista na bashi yarjejeniya da har zuwa shekaru 65 a karshen na aro lokaci.
• Aiki da gwaninta na 6 watanni a wannan wuri, da sauran kwarewa - 1 shekara. Idan wani m borrower ne mai albashi abokin ciniki na banki "Rasha aikin gona Bank", da m tsawon na sabis an rage wa watanni 3.
• creditworthiness na abokin ciniki. Ga suna ɗauke shi zuwa lissafi duk kafofin samun kudin shiga na borrower: hukuma albashi, karin kudin shiga, zamantakewa amfanin, pensions, kuma haka a. Idan adadin samarwa banki bai isa ba, sai kara matsakaicin adadin rance za a iya kara jawo hankalin co-bashi. Kamar yadda za su iya aiwatar da miji / matarsa na borrower, iyayensa ko yara da sauran mutane wadanda suke shirye su awainiyar dace biyan bashin na aro.

Shi ne ya kamata a lura da cewa "aikin gona Bank" yana shirye ya bayar da refinancing sabis, ko fansho. Kuma idan sun yi biyan pensions zuwa asusun bude a cikin "aikin gona Bank", sa'an nan a karkashin kwarewa da bukatun ba za a zabi.

jerin takardun

Refinancing la'akari da bashi ma'aikata da aka yarda a gare gabatar da wadannan jerin takardun:

• Rasha fasfo.
• Certificate gaskatãwa ga wanzuwar wani kwari samun kudin shiga na wani m borrower.
• Credit yarjejeniyar rancen da za a refinanced.
• Taimaka daga tsohon banki a kan adadin sauran bashi.
• Ta samar da rance: takardu a kan na biyu dukiya da kuma (ko) takardu daga tabbacin / co-bashi.

A rare lokuta, da banki na da hakkin ya gyara jerin bukata takardun.

sabis yanayi

Bisa ga sabis yanayi na aikin gona Bank kusan ba ya bambanta daga su "hammayarsu". Saboda haka, samun a nan refinancing, da borrower ma za a bukata don yin wasu biya daidai da kafa jadawalin. Idan so, a yarda farkon biya na bashi bashin. Domin irin wannan ayyuka gabatar da ƙarin kudade da kuma zargin ba bayar.

Lokacin da ba biya a saboda lokaci zuwa asusun da ake bukata adadin da borrower zai sa ran wani m 0.1% na fice adadin, kuma wata azãba daidaita zuwa 20% annum ga saura na aro don kammala da rance rufe. A hali na rashin cin nasara da borrower karkashin aro yarjejeniya, Bankin iya gabatar da wani lafiya daidaita 10 m Hakkin. Duk da rigingimu tasowa a karkashin wannan za a warware a kotu.

Shi ne ya kamata a lura da cewa su tabbatar / co-borrower ma alhakin dace rufe na aro. Saboda haka, idan har bisa wani dalili da borrower daina biya wata-wata rance biya, to, ya zama nauyi a kan kafadu na tabbatar.

Refinancing jinginar gidaje "Rosselkhozbank"

"Aikin gona Bank" offers da sabis a jinginar gida refinancing. Duk da haka, ya dauki amfani da shi, kana bukatar ka sadu da irin bukatu:

• A borrower ta shekaru zuwa shekaru 65.
• Kafin ƙarewar da kwangila a karkashin halin yanzu jinginar gida yana akalla wata 2 shekaru.

Idan so, wannan shirin shi ne ma ya halatta ya jawo hankalin co-bashi. Matsakaicin shekaru a lokacin da ƙarewar na aro yarjejeniyar dole ba wuce shekaru 60.

Ko akwai wani amfani?

Shin ina bukatar har yanzu dauki fitar da wani rance a cikin banki "Rasha aikin gona Bank"? Refinancing jinginar gidaje zuwa wasu bankuna da kuma sauran iri rance zai zama mai fa'ida fiye da idan a nan? Abin da ke cikin wannan dauki? Amsa ga wannan tambaya zai taimaka wani na farko lissafi sanya a kan samarwa kalkuleta a kan official website na banki "Rosselkhozbank". Idan Naira Miliyan Xari da wata-wata biya zai zama da yawa m, shi wajibi ne su yi aiki fiye da kuma samun mafi rance a cikin sabon wuri. Duk da haka, ya kamata mu ka manta a lokaci guda da kuma bukatar biya domin inshora na rayuwa da kuma kiwon lafiya na borrower. Zai yiwu sabon rance da ƙarin halin kaka zai kasance mafi tsada.