Waa maxay Huang wuxuu amaah

Mararka qaarkood duruufaha jira sida in wax amaahdaana si buuxda ma ka dhigi kartaa bixinta on waajibaadka credit. Salvation xaalad adag noqon kartaa Huang wuxuu amaah ah. Waa in la ogaadaa in adeegga bangiyada this aan la heli karin in qof walba. Isticmaal karaankeeda kaliya macaamiisha Aamin, in uu yahay, isagoo ah taariikhda credit jariiradu. Si arrintan loo sameeyo, waa in aanay noqon daahsan samaynta lacagta bil kasta. Intaa waxaa dheer, fiiro gaar ah u shaqaalaha bangiga ayaa bixin doona iyo heerarka dakhliga. Waxaa ku filan in loo qaato in xaalada dhaqaale ee macmiilka, kaasoo kara inuu daboolo kharashyada ka laba barnaamij oo credit. Waxaa lagama maarmaan ah in la yidhaahdo dhawr eray oo ku saabsan waxa Huang wuxuu amaah ah. Nuxurka adeegyada bangiyada waa sida soo socota: Hay'ad maaliyadeed bixisaa macmiilka iyadoo cusub borrowings lacagta bil kasta hoose, laakiin muddo dheer. Kadib markii ay helaan lacagta loo baahan yahay, ayuu bixisaa amaahda hore loo qaaday. Waxaa xusid mudan in loo dalxiis tago adeega Huang wuxuu noqon karaa nooc kasta oo amaah ah, haddii amaah macaamiisha, amaah baabuur ama mortgage.

Inta badan, deynsanaya u muuqdaan in ay refinance amaahda hantida maguuraanka ah hore loo qaaday, waana macquul ah, maxaa yeelay, in la mid ah wax soo saarka bangiga la soo saaro muddo cadaalad ah inta lagu guda jiro muddo dheer oo dulsaarka beddeli karaa in kooxda yar. Ka hor inta aysan go'aan noocan oo kale ah, waa ay habboon tahay inay tixgeliyaan in habsocodka noqon karaa kharashka soo socda:

- Komishanka bangiga bixinta hore ee amaahda (ilaa 5%);

- Commission for furitaanka iyo dayactirka xisaabaadka, gabagabeeyo heshiiska oo kalena u du;

- qiimaynta hantida;

- ujrada notary diiwaangelinta ee heshiiska,

- iyo kuwa kale.

Guud ahaan, habka of refinance mortgage amaah more adag. hay'adaha Banking inta badan u diido inuu ku siiyo barnaamijka sida ay tahay on noocan ah ee daynta ah. Baaxaa A la mid ah si fudud loo macnayn karaa, maxaa yeelay, haddii ay taasi ku hay'adaha maaliyadeed muddo waqti go'an lumiyaan awoodda lagu maamulo dammiin ah, iyadoo ay sabab u, waxaa jira halis ah oo dib-u-diiwaangelinta hantida maguurtada ah ma aha on hay'ad bangiyada.

Sayidka, Huang ee amaah ah ee tusaalaha kore wuxuu ka Qisoon mid ka mid ah hababka ugu adag, iyo, siday u kala horreeyaan, iyo adkeeyay shuruudaha deynsanaya. Sababtan awgeed, bangiyada oo kaliya weyn siiyaan macaamiisha ay la Huang ee amaahda, Sberbank, tusaale ahaan.

deynsanaya qaarkood waa at khasaaro ah by qaadashada amaah cusub. Tani waa sababta oo macaamiisha inta badan loo qiimeeyo faa'iidooyinka saarka bangiga kaliya on size ee dulsaarka. Tani waa qalad sababta oo ah dulsaarka hooseeyo ee duufsan laga yaabaa in la qarinaayay "dhacyada" kala duwan. Amaahdo, khubaro ogow in maalgelinta noqon kartaa faa'iido keliya haddii dulsaarka on alaabta la soo jeediyey waxay noqon doontaa in ka yar ugu yaraan 2%.