Yintoni na mboleko mboleko

Ngamanye amaxesha iimeko ezo ezifana ukuba mboleki akakwazi ukwenza ngokupheleleyo iintlawulo izibophelelo ngetyala. Usindiso kule meko esinzima ube mboleko mboleko. Kufuneka kuqatshelwe ukuba le nkonzo logcino ayifumaneki kumntu wonke. Sebenzisa kungaba abathengi uthembeke kuphela, oko kukuthi, nokuba imbali abalasela ngetyala. Ukuze benze oku, kufuneka bangabi kwako ekwenzeni iintlawulo zenyanga. Ukongeza, ingqalelo abasebenzi ibhanki iya kuhlawula namanqanaba yengeniso. Lwanele ukucinga ukuba imeko yemali client, onako ukuhlawula iindleko ukususela kwiinkqubo ezimbini ngetyala. Kuyimfuneko ukuba bathi amagama ambalwa malunga into mboleko mboleko. Undoqo iinkonzo zebhanki na ngolu hlobo lulandelayo: ziko zemali inika umxhasi kunye ezintsha yemalimboleko iintlawulo esezantsi ngenyanga, kodwa ixesha elide. Emva kokufumana imali efunekayo, ngoko uye abavuze mboleko wayethathe. Kuyaphawuleka ukuba abe kwinkonzo mboleko kunokuba ube naluphi na uhlobo mboleko, nokuba mboleko yabathengi, imoto okanye indlu.

Amaxesha amaninzi, kubaboleki zidla refinance mboleko sokubambisa ebutsheni, yaye kusengqiqweni, ngenxa yokuba efanayo imveliso ibhanki ikhutshwa ixesha ngokwanelisayo elide apho kwenzala zinokutshintsha ecaleni ezincinane. Phambi kokuthatha isigqibo esinjalo, kufanelekile ukuba ukuthatha ingqalelo yokuba inkqubo lungaquka ndleko zilandelayo:

- ikhomishini bank uhlawule yokuqala mboleko (ukuya kwi-5%);

- Commission for ukuvula nokugcina ii-akhawunti, ukupheliswa kwesivumelwano kunye nezinye;

- uvavanyo kwipropati;

- Imirhumo izivumelwano ukuba nokubhaliswa kwesivumelwano;

- kunye nabanye.

Ngokubanzi, inkqubo ye mortgage refinance mboleko nzima ngakumbi. amaziko Banking ngokufuthi bayala ukunikezela inkqubo enjalo ke kule hlobo yokubolekisa ngemali. A intsingiselo efanayo kube lula wacacisa, ngenxa yokuba kule meko amaziko zemali kangangexesha elithile balahlekelwe ubuchule babo lokulawula ngummeli wowona ulungileyo, ngenxa yoko, kukho umngcipheko kwakhona kobhaliso ezithengiswayo kungekhona kwiziko zebhanki.

Ngenxa yoko, i-mboleko ye-mboleko kulo mzekelo ingentla isingise omnye iinkqubo kakhulu entsonkothileyo, yaye, ngokulandelelana, kwaye kwaqiniswa iimfuneko kubaboleki. Ngenxa yesi sizathu, iibhanki kuphela ezinkulu ukunika abathengi kunye mboleko imali-mboleko, Sberbank, umzekelo.

Ezinye kubaboleki abaphumeleli ngokuthatha imali-mboleko entsha. Oku kungenxa yokuba abasebenzisi rhoqo ukuhlola iingenelo imveliso yebhanki kuphela ubungakanani izinga lenzala. Oku kuphosakele ngenxa elinga eliphantsi izinga lenzala inokuba kufihlwa "imigibe" ezahlukahlukeneyo. Abolekise, iingcali uqaphele ukuba ekukhutshweni kwemali kunokuba luncedo kuphela xa umyinge wenzala kwi imveliso ecetywayo iza kuba ngaphantsi kwe ubuncinane-2%.