Halkee ayaan ka dhigi kartaa mortgage refinance ah?

mortgage Refinance kama duwana hawlaha la mid ah in la ixtiraamo amaah kasta oo kale. Habkani waa in la helo hay'ad credit a xaddiga lacagta on shuruudaha wanaagsan dheeraad ah bixinta waajibaadka jira. Isla mar ahaantaana si amaah ah asalka la tarin karaa bangiga isku mid ah iyo hay'adaha kale ee dhaqaalaha.

Laakiin oo dhan ma deyn laga yaabaa inay bixiyaan Huang mortgage. Banks in ku hawlan hawlaha sida ee Ruushka, wakiil VTB 24 iyo Sberbank. Inkasta oo Kenny Huang ee hawlaha kale (sida amaah baabuur ama credit macaamiisha) waxaa laga heli karaa xarumo badan oo dhaqaale.

Maalgelinta amaahda waa in amaah cusub la sameeyo, wadarta oo ka demo by daynta hore. Wacadka hantida dib-u-diiwaan on amaahiya cusub iyo wax amaahdaana bixisaa amaahda horeba waa hay'ad credit cusub. Sida caadiga ah, howlgalkan lagu sameeyaa, haddii ay suurto gal ah si loo yareeyo dulsaarka, marka la eego bixinta ama la bedelo lacagta bixinta. Tusaale ahaan, in lacagta ee heerka amaahda ku dhow yihiin had iyo jeer ka hooseeya ee rubles. Si kastaba ha ahaatee, mushaharka la bixiyaa in rubles Ruush. Iyada oo koritaanka, tusaale ahaan, dollar kordhay rar amaah on miisaaniyadda qoyska, sida aad u baahan tahay xaddi weyn ee rubles beddelay dollars. Sidaa darteed waxaa mararka qaar faa'iido in la cusboonaysiiyo amaahda ee rubles. Waxa kale oo laga yaabaa xiiso dib-u-diiwaangelinta amaah ah muddo dheer u bixinta. Bank VTB 24 arrintan la xiriira, laga yaabee in ay rikoor, bixiya muddo ugu badnaan konton sannadood.

Si aad u bilaabaan u maalgelinta amaahda fiican in bangiga, halka ay markii hore qaabeeya by, sida in tiro ka mid ah heshiisyo amaah leeyihiin rigoore u bixinta lacagta hore ee deyn ama darsigii a on dhicis joojinta waajibaadka. Haddii bangiga ma bixin karaan adeeg loogu talogalay daynta, waxaa suurtagal ah in in hay'ad kale oo maaliyadeed tagaan. Sayidka waxaa lagama maarmaan ah si loo xisaabiyo inta ay ku kici doonto diiwaangelinta ee amaahda cusub, sidoo kale si loo ogaado faraqa dulsaarka. Khubarada waxay aaminsan yihiin in Huang wuxuu ka shaqayn karto, haddayba heerka cusub ee ka duwan kii hore ka yar boqolkiiba laba.

Maalgelinta amaahda ah waxaa la sameeyaa si la mid ah sida credit caadiga ah. qof dabiici ah ama sharci ah oo Wajigiisa codsi oo amaah ka chrezhdenie wuxuu hubinayaa in ay loobahanyahay hadda. Haddii taariikhda credit qof ee ka qaybgalay dib amaah asalka ah, ka dibna bangi kale u diidi kartaa in amaahda in, xataa haddii waxa uu leeyahay heer ku filan sare ee dakhliga.

Fursada ugu xiisaha badan for amaahdaana kasta waxaa u maalgelinta heerka. Mortgage macnaha halkan waa halkii "cheap" qalab dhaqaale, sida heerka yihiin, taasina ku saabsan 12.5 boqolkiiba (tus, Savings Bank). Tan waxa u sabab xaddi badan oo deyn iyo maturity muddo dheer. Inkasta oo heerka of, tusaale ahaan, waxaa laga yaabaa 18-20 boqolkiiba ama ka badan oo ku saabsan xawaalad credit macaamiisha.