Rance sake fasalin kudin: abin da yake da shi? Yadda za a yi da sake fasalin kudin na rance?

A rayuwa, akwai iya zama lokuta inda biya ta kwanan nan dauka credits ba wani abu da yake da wuya da kuma kusan ba zai yiwu. Duk wani borrower sanin abin da ta iya yin barazana: doka mataki, wani kaya na dukiya da kuma tilasta dawo da basusuka da shari'a da 'yan sanda. A cewar halin yanzu dokoki, kotun na da hakkin ya tilasta sake fasalin kudin na sharri basusuka. Sa'a, da bankunan da kansu ba su ƙi bayar da wannan hanya firgita bashi, ba shakka, idan ya kasance ba su da sha'awar a cikin aikace-aikace.

rance sake fasalin kudin: abin da shi ne

Lokacin da shan fitar da wani rance ne kusan babu borrower ba ya son da za a fuskanci sirri fatarar, idan biya bashi wajibai ne ba zai yiwu. Amma alas, a kowace shekara cikin kaso na fice bashi tsiro, haka da yawa ne kawai a tambaya: yadda za mu iya rage bashi wajibai da kuma rage bashin kaya? Abin baƙin ciki, mutane da yawa har yanzu ba su san daga hanya na rage sha'awa da bugun fanareti. Kuma da yawa mutane tambaye wannan tambaya, kamar yadda da sake fasalin kudin na aro. Mene ne wannan? Manufar da hanya ne da sabuntawa da bashi yarjejeniya, a cikin abin da bita deadlines ga biya da kuma ban sha'awa. Ba za a rikita batun tare da refinancing na bashi! Lokacin da rancen sake fasalin kudin, sake-hannu kwangila iya kawai kudi ma'aikata, wanda aka dauka a matsayin bashi da refinancing - a wani banki.

sake fasalin kudin Features

rance sake fasalin kudin shirin duniya ne, amma babban dalilin da kaddamar ne to sun rasa biya da kuma delinquencies a kan kwangila. Bayan duk, idan refinancing wadannan nuances iya zama wani dalili ga ƙi, amma sake fasalin kudin suna maraba. Bugu da ƙari, da gaban da free bashi ne babban dalilin renegotiation da kwangila tare da borrower. Banks ne ba riba kai kara, da cewa suna da wani gagarumin asara da lokaci da kuma karuwa a matsayin aro fayil. A wasu lokuta, da karuwa a cikin aro fayil daukawa atomatik akan rage banki rates, da waɗanda, bi da bi, runtse da rating hukumomin.

Cikin manyan dalilan da sake fasalin kudin

By perepodpisanie kwangila ne:

1. Asarar da wani aiki da borrower.
2. Rage matakin na samun kudin shiga.
3. Mai tsananin rashin lafiya na borrower ko 'yan uwa.
4. Sauran kyau dalilai, muhimmanci rinjayi karu a matakin na samun kudin shiga.

A abũbuwan amfãni daga sake fasalin kudin

Alal misali, lokacin da akwai wani sake fasalin kudin bashin karkashin bashi a cikin Savings Bank, da borrower amfãni ga matsalar ne bayyananne:

1. Ability don ajiye wani tabbatacce bashi tarihi, batun qananan tsiwirwirin kuskure.
2. Zai yiwu su hana lawsuits, wanda da manyan tasiri a kan m da wani tunanin jihar na bãshin.
3. A taron na kudi matsaloli perepodpisanie kwangila sau da yawa samar da wata dama ba kawai don kula da suna mai kyau, amma kuma ya cece su kudi. Ta shiga wata garabasa kwangila tare da wani karami yawan (a cikin wannan yanayin da bankuna ne musamman m, kawai a cikin mafi "wuya" lokuta).
4. Guji sirri fatarar da kafa wani sabon biyan bashin da kuma sharuddan biya na yarda ga bangarorin biyu.
5. Gyara bashi rance a cikin Savings Bank samar da wata dama ga rabu da accrued tarar da bugun fanareti.
6. Guji lamba kuma tilasta bashi tarin zartarwa ma'aikacin kotu.

Babban iri na aro sake fasalin kudin

A lokacin, akwai da dama iri bashi bita na sake fasalin kudin shirin, wato:

1. Da tsawaita ko kyautatuwa daga cikin sharuddan na sama na shagaltar da adadin. Alal misali, a rance da aka dauka na tsawon shekaru 5. Bayan na mirgina a kan karshe biya kwanan wata aka canza zuwa shekaru 7, da wata-wata biyan bashin da aka rage.
2. Canja aro kudin. Wannan ba shine mafi m hanya domin Rasha bankuna, amma, duk da haka, suna ƙara amfani saboda halin tattalin arzikinsu. An amince ne kawai domin na ainihi bashi a kan sharuddan m zuwa yanayin biyu. A wannan yanayin, rance mai bayar a cikin US / Yuro maye gurbin da ruble musayar kudi da kuma shan la'akari halin yanzu ban sha'awa.
3. Da yiwuwar samun wani "hutu bashi". Hakazalika indulgence bashi ake dan lokaci rasa aikinsu na tsawon 3 zuwa 6 watanni. Domin wannan sabis, kana bukatar ka tuntube da banki da ya dace aikace-aikace, bayan da ya amince da abin da borrower ne iya dan lokaci bai iya biya sha'awa da kuma babba adadin kawai. Babu azãba.
4. Cikakken ko m soke tara fanarite da tara.
5. Akan rage sha'awa a kan aro. Ana amfani da wuya da kuma kawai don wani abin dogara da kuma amintacce bashi.

Amfanin bashi sake fasalin kudin

A taron na kudi matsaloli, za ka iya rike wani m hanya perepodpisanie yarjejeniya a kan mafi m sharuddan. rance sake fasalin kudin: abin da yake da shi? Wannan shi ne da farko wani roko da bankin da ya dace aikace-aikace tare da bukatar zuwa renegotiate da sharuddan da rance yarjejeniya. Alal misali, rubuta wata sanarwa a kan sake fasalin kudin na mai rance, rance Sberbank (da samfurin ka samar reshe ma'aikatan) za ku yi saka a cikin shi dalilin da irin wannan magani. Kuma idan bankin deems mai kyau hanyar, za ka shiga kwangila ga mafi kirki yanayi.

A general hanya don rajista na sake fasalin kudin

Lokacin da ake ji wa rajista da kuma hanya ta sake fasalin kudin akwai general dokoki domin duk kudi cibiyoyin, wanda ba muhimmanci bambanta. Kafin ka sa sake fasalin kudin na rance, dole ne ka shirya da wadannan takardu:

1. Rasha fasfo.
2. Aikace-aikace don sake fasalin kudin rance Sberbank, wani samfurin na wanda za ku ba da ma'aikata sarrafa.
3. Original aikin yi rikodin tare da wata alamar sallama ko rage albashi.
4. Certificate na albashi ga 6 months daga karshe aiki.
5. Ake bukata na asali takardar shaidar daga gundumar aikin sabis, wanda dole ne a kayyade bayanai a kan ranar rajista da kuma adadin wata-wata fa'ida (idan wani accrued).
6. The yarda da wani mata ya canza bashi.

Wannan dukan jerin takardun da ake bukata domin banki ne gamsu a lokacin wucin gadi tawaya na borrower, da kuma yanke shawarar a hanya mai kayu da tambaya na sake fasalin kudin na aro. Abin da shi ne, ya bayyana, bayar da m tsarin kula da duk matakai na taro takardun da hannu kan yarjejeniyar.

A lokacin da ka bukata don amfani ga wani aro sake fasalin kudin

A taron na sharri basusuka kamata nan da nan nemi taimako a mafi kusa manyan reshe na bankin. Idan wannan shi ne ba zai yiwu, don Allah kira hotline da kuma a cikin wani tarho kira don bayyana halin da ake ciki. Mafi m, za a directed zuwa yankin tsakiyar ofishin, kwararre a bashi bashin, abin da za ku zama a nan gaba don ci gaba da tattaunawa. Abu mafi muhimmanci - zuwa banki da wani request ga review na aro yarjejeniya har irin wannan lokaci kamar yadda manyan nau'i na bata lokaci da kuma za a biyar. Jiyya da wuri ne mafi kusantar su sake duba yarjejeniya a kan mafi m sharuddan ga borrower, ba tare da amfani da bugun fanareti.

A taron na kudi matsaloli, nan da nan a tuntuɓi mafi kusa ofishin. A bankuna da kansu ba su da sha'awar a jari na sharri basusuka da m kotuna.

Firgita Bashi sake fasalin kudin

A cikin akwati. Idan ka bashi ya zama matsala, kuma ya accrued amfani da bugun fanareti, bankuna za su iya bayar da ku a sake fasalin kudin, amma tare da wani kananan fasalin. Lokacin da sake fasalin kudin na sharri basusuka bankunan m rubuta kashe fenariti da ci tarar, haka na bashi yarjejeniyar da suka kokarin yin dukan adadin. Lokacin shiga kula da shi. Lokacin da disagreeing bankuna wani lokacin je hadu bashi, Munã rage ko gaba daya rubutu kashe tarar da bugun fanareti. A wannan mataki, bankuna suna miƙa restukturizatsiyu matsayin matakin karshe zuwa ga borrower kafin bauta wa kotu da takardun.

Sake fasalin kudin mabukaci bashi

Wannan irin sake fasalin kudin - mafi mashahuri a kan m bashi kasuwar. sake fasalin kudin hanya mabukaci bashi ne mai sauqi qwarai, ba ya bukatar ƙarin takardun, da kuma bankuna kalle shi ta hanyar ta yatsunsu. Ga mabukaci rance hada da: katin bashi, da adadin dauka a kan dabara da kuma sauran kananan abubuwa daraja har zuwa 1 dala dubu .. Mafi yawa daga dukkan yarjejeniyoyi kan sake fasalin kudin na rance ga mabukaci -imenno hali a kan kananan yau da kullum da bukatun.

sake fasalin kudin hanya ne mai sauki, bankuna suna shirye don mu tafi taryarku, kuma mafi muhimmanci - da borrower ba zai iya jinkirta da yanke hukunci. Bayan duk, da jima da tuntube da kudi ma'aikata, da mafi kyaun yanayi iya a halin yanzu samar.