Sake bashin bashi

Sannu kadan, manyan kamfanoni na kasa da kasa sun yi ta karbe kasuwannin jinginar gidaje a kasashen da kananan bankuna ke da iko. Ɗaya daga cikin mafi kyawun samfuran waɗannan bankunan na duniya shine refinancing (sake sakewa a Turanci) na lamuni; Bari mu ga abin da suke nema da kuma irin fa'idodin da ke akwai.

1. Suna neman tsaftace fayil ɗin abokin ciniki

Wannan yakan faru ne saboda lokacin da banki ya sami jakar lamuni, sai ya karba "kamar yadda yake," wanda ke nufin cewa wasu rancen suna cikin mawuyacin hali ko kuma suna da jingina da bankin duniya ke ganin babban hadari ne. Don haka bayarda sakewa wata dabara ce ta tsaftace jakar kwastomomi, sabunta bayanai (wanda baida tsari sosai a cikin kasashe masu hargitsi) da kuma daga darajar masu kwastomomi ga sauran kayayyakin da bankin yake bayarwa.

2. Daidaita darajar lamuni zuwa kudin kasashen duniya.

Wannan takobi mai kaifi biyu ne, amma gaba daya yana amfanar wanda ya karba, wanda yake da yawan kudaden ruwa saboda an lissafa su da kudin cikin gida kuma gaba daya suna da girma sosai saboda rashin tabbas na rage darajar. Kamar yadda ake sake sabunta shi a cikin kuɗin ruwa tare da tsayayyen kuɗaɗe, walau dala ko Yuro, a bayyane yake cewa fa'idar ta yi ƙasa kuma waɗanda suke yin nazari a cikin dogon lokaci sun san cewa za su biya ƙasa kaɗan; kodayake an riga an biya babban riba.

3. Sake darajar lamunin lamuni.

A hali na Kungiyar Loan, suna dagewa sosai kan sabunta lamunin, su kasance don sake sake kuɗi ko don jinginar gida na biyu akan wannan garantin, la'akari da cewa kadarar ba ta rage daraja ba kuma wataƙila ta dawo da ribar da ta samu. Wannan yana basu damar bawa kwastomomi fiye da ɗaya madadin sake saka jari.

Manyan dabarunsa sune:

• Sake kuɗaɗe (sake sakewa a cikin Ingilishi) ƙarƙashin yanayi masu sauƙi

A fahimtar cewa akwai riga kimantawa ta baya, yardar rance da rufewa, wannan ma'aikatar tana tabbatar da cewa komai ya sauƙaƙa. Hakan yayi kyau.

• Wani zaɓi don biyan babban jari a gaba

Wannan madadin ana kiyaye shi, don zaburar da mutane su adana adadi mai kyau, bayar da ƙimar kuɗi da rage fa'ida. Misalin da suke nunawa shine idan kana da bashin $ 200,000 kuma an biya $ 2,000 ga shugaban makarantar, zaka iya tabbatar da ajiyar $ 63 a kowane wata, $ 760 a shekara kuma kusan $ 22,000 gaba ɗaya kawai don ribar da ba a biya ba. Wannan yana nufin kusan kashi 1/2% a cikin kudin ruwa, a bayyane yake, tunda shekarun farko sune lokacin da aka biya karin riba, kuma lokacin datse kwankwasiyya ana hasashen yanki mai girma fiye da yanke shi a tsakiya ko a karshen.

• Solarfafa Bashi

Wannan samfurin Hanyar sadarwar yana ba da ita azaman madadin, ga waɗanda ke da sharuɗan bashi daban-daban kamar katunan bashi, lamuni na sirri, bashin lamuni da sauran waɗanda za a iya haɗa su cikin lamuni ɗaya ba tare da biyan cibiyoyin kuɗi daban-daban ba.