Sida loo refinance ee dulsaarka hoose: leexo instrkutsiya

Samaynta amaah bangi, ma deyn kasta saadaalin karaa dakhliga mustaqbalkooda. Inta lagu guda jiro credit ee heshiiska uu dhici karaa dhacdooyin kala duwan, mid ka mid ah ama qaab kale saamayn meelmar ah dhaqaale iyo loobahanyahay ee muwaadiniinta. Ka dib hal ama laba sano, lacagta bil kasta amaahdaana muuqan kara sida xad-dhaafka sare, iyo lacagta dheeraad ah amaah ku hoos dhaawici karta miisaaniyadda qoyska. Laga soo bilaabo xaaladan waxaa jira baxo, si refinance ee dulsaarka hoose.

Determination of daynta

Maalgelinta ama maalgelinta - adeeg in la beddelo shuruudaha heshiiska hadda jira bangiga. Waa:

• hoos dulsaarka;
• kordhaya muddo amaah ah;
• yaraynta bixiso bil walba.

In si kale loo dhigo, haddii waqtiga bixinta amaah ah amaahdaana ayaa ogaaday in in bangiyada kale soo saartay deyn at heerka hoose, aad refinance kartaa dulsaarka hoose. Adeegani wuxuu bixiyaa tiro badan oo ah bangiyada, laakiin maxaa yeelay, waxaa suuro gal ah in ay doortaan xaaladaha ugu soo jiidasho leh.

Noocyada amaahda heli karaa maalgelinta

Maalgelinta waxaa laga heli karaa on shiidaa amaah kasta oo:

• macaamiisha;
• deynta gaariga,
• mortgage.

Waayo, deyn, kuwaas oo ay jirto fursad ay ku refinance ee dulsaarka hoose ee Bank Savings iyo ururada kale ee bangiyada waaweyn.

Bangiyada intooda badan looma ogola inay refinance credit card. Tan waxa u sabab xaqiiqada ah in lacag waqtiyada dib ugu caddeeyo, wuuna kajirin. Wajahadda amaahda ku dhacaan oo keliya kuwa amaahda in ay leeyihiin adag set jadwalka bixinta ee saxiixa heshiiska amaahda.

sababaha daynta

Refinance ee dulsaarka hoose sabab u noqon kara sababaha rasmiga ah, si loo xaqiijiyo in ay lagama maarmaan tahay in ay soo gudbiyaan warqadaha ku xusan. Sababaha waxaa ka mid ah:

• ay hoos u dhacday tirada mushaharka rasmiga ah meesha ugu weyn ee shaqo;
• badanoo, habeynta shirkada u shaqayso ee;
• hoos ka mid ah shaqaalaha,
• xil kaqaadidda shaqaale shaqeeyaha;
• daryeelka hooyooyinka.

Waxa kale oo aad codsan kartaa amaahda, isagoo in la sameeyo sababo kale:

• wax soo saarka ka qaaday culaabtii rahaamad (kiiskan laga yaabaa in boqolkiiba yar ee maalgelinta mortgage);
• isku dhowr amaahda ka mid ah gelin,
• beddelo amaah lacagta;
• qanacsanaan xaaladaha hadda deyn jira.

nidaamka Huang

daynta Samaynta ku lug leedahay dhowr tallaabo:

• go'aanka amaahdaana, oo bank in refinance ee dulsaarka hoose,
• bixinta warqadaha loo baahan yahay;
• diyaarinta qandaraaska bankiga Huang;
• wareejinta lacag bixinta amaahda,
• ku dhow heshiiska amaah jira;
• hesho macluumaad xaqiijinaya ay la xidho,
• lacagta bil kasta hoos jadwalka cusub ee bixinta.

Fikrada ah amaahda

Refinance ee dulsaarka hoose suurto gal on initiative ee amaahdaana ama soo jeedinta bangiga ee. Xaaladda hore, qof ay raadinayso ay hay'ad daynta u gaar ah, waxaa ururiya dokumentiyada lagama maarmaanka ah oo iyaga ka dhigaa inay la heli karo in bangiga ee la doortay. In kiiska labaad, hay'ad credit by yahay ee wargelinta kala duwan ah siisaa macaamiisha la arrinta amaahda amaah cusub on account hadda.

Haddii amaahdaana go'aansado inuu ka soo leexdo jihada of bangiga, tan dambe ayaa ka abaal marin doona heshiis amaah ah ku jira iyo isku diyaarinaya xaalad cusub oo dhinaca kale ah. Marka la helo Huang ee hay'adda credit kaas oo si amaah ah asalka ah waa u furan, waxa ay u bixinta qaadataa meel by bangiga.

Waraaqaha loo baahan yahay daynta fikrad ka amaahdaana

In si ay u madax banaan u dalbato maalgelinta jihada of bangiga baahan doontaa inaad keento dukumentiyada soo socda:

• baasaboorka,
• war dakhli;
• heshiis amaah ah kula jadwalka bixinta;
• waydiinta ku saabsan maqnaanshaha daynta iyo lacagta soo daahay.

Bank ayaa aqbali kara codsiga macaamiisha ah ama in ay diidaan in ay soo saaraan lacag. Wax walba waxay ku xiran tahay taariikhda credit amaahdaana ee, loobahanyahay iyo sidoo kale liiska waraaqaha loo soo gudbiyey. Si aad u hesho fursadda ugu fiican si aad u hesho Huang, waxaad u baahan tahay si ay u siiyaan dokumentiyada sida badan oo dheeraad ah. Kuwaas waxaa ka mid noqon kara:

• macluumaad dheeraad ah oo ku saabsan dakhliga (ma aha meel maamulaha of ganacsiga);
• shahaadada lahaanshaha ee hantida maguurtada ah,
• taariikhda credit.

Refinance ee dulsaarka hoose ee Raiffeisenbank waxaa suurtagal ah si toos ah on website-ka rasmiga ah ee bangiga, oo aan ka tagin guriga. Buuxinta foomka qaadataa meel hab "online". Haddii codsigaaga la ogolaado, waaxda u baahan tahay in lala iman lahaa liiska dukumentiyada loo diyaariyey soo dhaweynta ah ee lacagta.

Kenny Huang wuxuu dalab bangiga

In kiiska marka bangiga bixiyaa macaamiisha si madax-bannaan ku diyaarin Huang, u baahan doontaa waraaqaha yar, sida amaah ah waxa ay mar horeba pre-ansixiyey. Sidaas darteed, waxaad si fudud u refinance kartaa dulsaarka hoose, VTB iyo bangiyada kale. Haddii amaahdaana ayaa credit oo sax ah iyo samaynta lacagta it on joogto ah, bangiga waxay wargelinaysaa ku saabsan dalab credit siyaabaha soo socda:

• fariin u lambarka telefoonka ah;
• Adeegga line kulul,
• ATM ah inta lagu guda jiro a xawaalad card;
• iyada oo loo marayo daraasad shakhsi ahaaneed.

Haddii amaahdaana la ogeysiiyo by hababka kor ku xusan, si ay u helaan baahida amaah ah inaad la xiriirto laanta bangiga. Iyada oo loo baahan yahay in ay qaataan dokumentiyada lagama maarmaanka ah, oo ay ku jiraan:

• baasaboorka,
• war dakhliga.

Inta badan deyn refinance dhigi kaliya baasaboorka macaamiisha kuwa:

• waxay leeyihiin kaarka bangiga mushaar;
• si daacad ah ayaad bixinaysaa dhowr amaahda ee hay'adda credit ah.

Xidhitaanka heshiiska amaahda

Markay helaan dhammaan dokumentiyada lagama maarmaanka u diyaarayay heshiis cusub. Haddii ay jirto a bangiga-daynta diiwaangelinta hore ee amaahda, amaah cusub waxaa lagu tiriyaa in xisaabta la mid ah. Lacagta ayaa laga heli doonaa macmiilka maalinta socda ansixinta codsiga bangiga, iyo xaaladaha qaarkood, oo maalinta ka mid ah diiwaangelinta. Taariikh isku mid ah debit ah meel u bixinta amaahda. Laga soo bilaabo in lacagta waxaa laga heli karaa si ay u isticmaalaan wax amaahdaana. Wuxuu u isticmaali karto on gool iyaga u gaar ah oo abaalmarin kartaa deyn kale ee jira.

Markii maalgelinta diiwaangelinta nidaamka bangi kale waa ka badan waqti-Cunidda. hay'ad credit A ku wareejinaya lacag xisaabtaada ee amaahda. Sida ugu dhakhsaha badan lacagta isaga si ay u tegi doonaa, qofka macaamiisha ah u baahan yahay in la sameeyo qoraal ah oo ku saabsan bixinta buuxda hore. Oo maalintii ku xigtay, amaahda loo abaalgudi doonaa, si loo xaqiijiyo in ay lagama maarmaan tahay in ay qaataan gargaar ka bixinta buuxda hore. Amaahdaana waa in la xiro account iyo qaato shahaadada asalka rumayn.

Helitaanka waraaqaha loo soo diri karaa bangiga fulinta Huang wuxuu ka. Ka dib markii tixraac ah in lagu baari doonaa saxsanaanta, bangiga saartay heshiis credit a jadwalka cusub ee ay ugaysteen.

Tilmaamo muhiim ah oo amaahda

Haddii amaahdaana doonayo inuu isticmaalo Huang wuxuu ku bixiso dhowr amaahda, wadarta keentay in la mid ah daymaha jira qaybiyey. Sidaas darteed, aad xirto kartaa noocyada kala duwan ee daynta, oo ay ku jiraan kaararka deynta. Habkani waa mid aad u sahlan, sida ay u ogolaanaya tiro ka mid ah deymaha ka arrinta ka mid ah. Tani waxay tiraa wareer madaxfurashada, sida hadda noqon doonaa muddo hal, iyo lacagta laga dhigi doono bishiiba hal mar oo keliya.

bangiga kasta go'aamiso sida loo refinance at boqolkiiba hoose ee amaahdaana gaar ah. Waayo, dhowr macaamiisha yihiin xaalado kala duwan oo ku xiran dhererka adeegga shaqada ee la soo dhaafay, dakhliga, keenay dukumentiyada. The more amaahdaana bixiyaan macluumaad ku saabsan naftooda, ay u badan tahay in ay helaan xaaladaha wanaagsan ugu. Tani waxay saamayn doonto dulsaarka iyo muddo amaah ah. Haddii bangiga ayaa loo aqoonsaday loobahanyahay macaamiisha ah ee sida sare, ka dibna boqolkiiba noqon doonaa yar, iyo muddada loo kordhin karaa.

Maalgelinta dhigi karaa dhowr jeer inta lagu jiro muddada heshiiska amaahda. Xaaladdan oo kale, Huang ee deymaha hadda jira la soo saari karaa oo keliya by hal bangi oo kaliya in guud ahaanteed. Maalgelinta amaah ah in bangiyada kala duwan lama oggola sida bixinta a qayb ka mid ah deynta bangiga jira.

Hubi amaah cusub oo lagu beddelo jira - taasi waxa weeye waxa ay ka dhigan tahay in refinance ee dulsaarka hoose. adeegga bangiyada Tani waxay u ogolaaneysaa in deynsanaya in ay yareeyaan kharashka bil kasta. Sababo la kordhiyo muddada heshiiska iyo in la yareeyo heerka dulsaarku uu jiro hoos u dhac ah ee lacagta bil kasta oo kuu ogolaanaya in aad si fudud u maareeyaan miisaaniyadda qoyska. Kenny Huang wuxuu sii caan ah, iyo tirada bangiyada bixiya waxaa si tartiib ah u koraya.

Samaynta Huang aanu si xun u saameyn kuma taariikhda credit of amaahdaana ah, iyo iimaanka dejinta wanaagsan kordhinayaan in dheeraad ah u hesho amaah ah oo ku saabsan shuruudaha wanaagsan ka badan.

amaah kasta - waa hab si ay u hagaajiyaan xaaladooda dhaqaale la dib u dhac ah oo lacag buuxda. Si aan si sii xumayn xaaladda, waa in aad doorato xaaladaha wanaagsan ugu for amaahda, mararka qaar iyaga ka beddelo.