Refinancing - Ko te pūtake o te ture o te mākete moni me te nama i tenei

Ko tētahi o nga tohu tino nui o te pēke tere ko te āhua o ona rauemi. tikanga te taumata tiketike o tenei tohu e taea ki te utu i ona taunahatanga, e rua wā o nāianei, me te heke mai te whare pūtea ko. A, no te taka tere, a konei te whakaea o te pēke, kia refinance koe. tikanga o tēnei e kia tohatoha o te State Central Bank moni atu i roto i te taha ki te pūtea hiahia.

Fundamentals o Pūtea Pūnaha pūmautanga

Ko te whāinga o tetahi pareparenga pokapū - ko te wa ki te mōhio i te āputa i roto i te wa i roto i te tere o te pēke, tātari reira me, ki te tika, ki te kitea te tikanga ki te whakakore i te reira. Refinancing - Kei te he tukanga e taea ai e koe ki:

1. Me whakarite tonu o utu i roto i te ōhanga motu i te utu o tino otinga i te tere o ia pēke takitahi.
2. Ki te aroturuki i te āhuatanga i runga i te mākete moni na roto i te te whakatakoto ngä päpätanga huamoni.

Otiia, he nui te reira ki te mahino e refinancing - e kore te mea he puna tūturu o moni atu mō pūtahi pūtea tenei. e kore he hiahia ki te tautoko i te whare pūtea raruraru i runga i te wā i te pēke pokapū. Na reira, me rapu tetahi pareparenga ki te kohi moni atu kiritaki hou me whai pānga.

te mau parau tumu Basic o refinancing pai

Ki te whakarite i te pūmautanga o te pūnaha moni o te State Central Bank i te whakarato o atu moni ki ētahi atu whare pūtea kia arata'ihia e te tikanga e whai ake nei:

• He rohe tomu'a me moni.
• Refinancing o pareparenga kia rite ki te kaupapa here moni whāngai.
• kore me Hiahia whare pūtea whai nama ki te Central Bank me ki e taea i roto i te heke mai ki te utu i te taurewa.
• Te wātea o te kai pono o moni atu.
• Te rahi tika o te taurewa e rite ana ki te uara o te utu.
• E kore e taea e te auau refinancing kia raro atu i te hekenga.

momo o taurewa

Refinancing - Ko te tupono whakamutunga mō te nuinga o pareparenga tenei. Ko te Bank o tono ina kua pau te tahi atu ara katoa o te kukume moni free, me nama ki kiritaki tonu. E rua ngā momo taketake o taurewa: ture, me te motuhake. Ko te tuatahi he e whakamahia pūmau mea pūtea ki te aroturuki i te āhuatanga i runga i te mākete moni. E whakamahia whiwhinga motuhake ki te ū te āhuatanga ki te kore o te tere i roto i etahi pareparenga. Central Bank ki te whakahaere i ai hoki hei te mākete repos whakamahia me Ngā.

Ko te tikanga o te mahi

Refinancing - Ko te tukanga i te mea e whai ake tenei:

1. Ko te pēke he raruraru ki te whakaea.
2. CB tātari te āhuatanga, me te hanga i te whakatau ki te tukua mai he pūtea tārewa, hei tauira, he $ 10 miriona ia tau.
3. pēke arumoni homai te moni i roto i te nama ki a ratou kiritaki i raro i te ōrau ki runga ake i te auau refinancing.
4. Ki runga ki paunga hoki reira 10 miriona ki Bank o moni.
5. Hua i tenei mahi e reallocated moni, me te whakapai ake i te whakaea o te pēke.

e kore e CB mahi tika ki te taupori, ka rite i roto i tenei take e whai ki te aroturuki i te milioni o ngā kaitono e iti. Na reira, mahi tahatika arumoni rite takawaenga i waenganui i a ratou me te iwi noa.

rate refinancing

E ai ki te ture Federal "I te Central Bank o te Russian Federation", te Central Bank kia whakarato moni atu mo te tetahi wā o apiti pūtahi nama ki te whakaoti o ratou raruraru tere. Ko te auau refinancing - ko te taputapu i roto i nei te mana o te moni i runga i putunga me loans. Ko te painga ki ngā kaitono e tona hekenga, i ngaro pūtea wahi o to ratou moni. whakamana Refinancing te i te faaoti papu ranei tīpakohia e hāngai ana i runga i nga tikanga mākete auau.

ōrau e fakafuofua

Tae noa 2010, te nui mōrahi, ka mohiotia e te hei whakapaunga, rite ki te uara e whai ake nei: refinancing rate * 1.1. Na kua nui haere te rua o nga take ki te 1.8 ki te RUPO tono. Ki te takoto te tikanga kia hanga tetahi o nga tohu i roto i te nama o te kirimana utu rua. Ki te whakaaro ki kirimana ki te moni ke, i reira he kore te te auau refinancing whakamahia. Ko te taumata mōrahi e taea te whakaaro auau rere - 15%.

Ngā wāhanga o te tono, me te pānga

Refinancing o pareparenga i te mea o roto i te Russian Federation he pānga kore ki runga ki a ratou ano anake nga pūtahi pūtea, me te nama, engari ano hoki i runga i te tangata noa. I roto i ngā, i te take e whai ake nei:

1. Interest taake moni i runga i putunga (i te tere waehere Tāke RF te whakatakotoria ki te 35% i roto i te taikaha o te moni tatau nei i te auau o te refinancing).
2. Tātaitanga o utu mo te roa o te moni nama ki te kaimahi (tae atu ki tau faafaaearaa).
3. Tātaitanga o te moni i runga i ranei kohinga tāke (ko reira kotahi toru ōrau o te auau whakapumautia o refinancing).

Ko te tukanga o whiwhinga te Central Bank o tahatika arumoni ko te regulator nui o te pūnaha pūtea o te kāwanatanga. Te reira i te nuinga tei runga i te whanaketanga o te ōhanga, kia rite ki te iwi ahu ki te whakawhirinaki ratou rauemi ki pareparenga anake, ki te he pūmau ratou.