सटीक उत्तर: चार से छह महीने
पैसा हमारे दैनिक व्यवसाय के संचालन के लिए सबसे महत्वपूर्ण उपकरणों में से एक है। वैसे ही आज के बाज़ार में पैसे के बिना लोग रह नहीं सकते। पैसा वही करता है जो पैसा करता है, चाहे वह पैसा किसी से उधार लिया गया हो या किसी व्यक्ति की आय हो। आपको कुछ समय चाहिए, और आपको महीने के अंत में कुछ पैसे बचाने की ज़रूरत है।
दुनिया उधार लेने और देने से चलती है क्योंकि हर कोई पर्याप्त पैसा नहीं कमा सकता। यदि आप अपने मासिक भुगतान या व्यय को कम करना चाहते हैं, तो पुनर्वित्त एक स्मार्ट निर्णय है क्योंकि आप ऋण की अवधि को कम कर सकते हैं या अधिक तेज़ी से गृह इक्विटी का निर्माण कर सकते हैं। बहुत से लोग नए घर और प्रॉपर्टी खरीदने में पैसा लगाते हैं।
खरीद के कितने समय बाद आप पुनर्वित्त कर सकते हैं?
It would normally take about four to six months for most lenders not to refinance a mortgage that has been issued within that period. However, once this period is over, you can start looking for a new lender or a mortgage service provider. There are several benefits of deciding on refinancing. Buying a new house is also a great decision, but you have to maintain other needs like paying other kinds of fees.
Refinance means replacing your current home loan with a brand new one. Now, you must be thinking, if your recent home loan is a decent one, then why should you take a new one. Well, there are benefits of refinancing. With the help of refinancing, you can reduce monthly payments and that too with a lower interest rate and with a longer term. There is a chance that you could pay off your mortgage faster by shortening the terms. You can also improve your credit rating, which will help you for other purposes. It will be easier to get rid of the private mortgage insurance that comes with your original loan. You could also add or remove someone from the new loan if you have been married or divorced recently.
| आयोजन | घटनाओं के संबंध में जानकारी |
| खरीद के बाद पुनर्वित्त | चार से छह महीने |
| पुनर्वित्त के लाभ | मासिक भुगतान में कमी और भी बहुत कुछ |
नया घर खरीदने के बाद पुनर्वित्त चार से छह महीने के भीतर किया जा सकता है। पुनर्वित्त का मुख्य लाभ कई अन्य लाभों के साथ-साथ मासिक भुगतान में कमी है।
खरीदारी के बाद पुनर्वित्त में इतना समय क्यों लगता है?
Time taken is about four to six months because that is quite normal for most lenders. However, the program which you select could depend on most of the things. Some can happen sooner than you can think, but some could take more time than usual. If you are looking for a particular loan or have some penalties on you, those factors could affect the overall time. In some cases, it would be a great choice to refinance because you could save big. But, it might seem not very smart to refinance soon after you have gone through the whole process and have paid the closing costs on the original mortgage.
आज, कुछ ऋणदाता आपको उसी कंपनी में पुनर्वित्त करने से पहले कुछ महीनों तक इंतजार कराएंगे। हालाँकि, इसका मतलब यह नहीं है कि आप किसी अन्य कंपनी से दूसरा पुनर्वित्त प्राप्त नहीं कर पाएंगे। बंधक और समय सीमा के विशिष्ट नियम हैं जिनके बारे में आपको पता होना चाहिए।
आपको यह सुनिश्चित करना होगा कि आपके पास अच्छा है क्रेडिट स्कोर because that will help you get good credit support. Take out your mortgage as soon as possible because that will help your credit score to improve. If you apply for a refinance soon after your credit report pings, that situation could affect your eligibility to get the loan. Make sure that the time is right for getting the refinancing loan sanctioned. Make sure you have proper plans before applying for it.
निष्कर्ष
कुल मिलाकर, यह निष्कर्ष निकाला जा सकता है कि आप यह तय करते हैं कि आप नया घर खरीदने के बाद पुनर्वित्त करना चाहते हैं या नहीं। कुछ निश्चित बिंदु और नियम हैं जिन्हें आपको कोई भी निर्णय लेने से पहले जानना आवश्यक है। यदि आपको लगता है कि आपको पुनर्वित्त की आवश्यकता नहीं है, तो बेहतर होगा कि आप ऐसा न करें।
औसतन, नया घर खरीदने के चार से छह महीने बाद पुनर्वित्त किया जाता है। लेकिन, पुनर्वित्त के लाभों को देखते हुए, आप निश्चित रूप से पुनर्वित्त विकल्प जारी करने वाली कंपनियों की तलाश कर सकते हैं। ऐसे समय में जब अर्थव्यवस्था प्रभावित हो रही है, नया घर खरीदना मुश्किल है। यदि आवश्यक हो तो लोगों से मदद लें और फिर तय करें कि आप पुनर्वित्त करना चाहते हैं या नहीं।
संदर्भ
- https://papers.ssrn.com/sol3/papers.cfm?abstract_id=874821
- https://onlinelibrary.wiley.com/doi/abs/10.1111/1540-6229.12104
मैंने आपको मूल्य प्रदान करने के लिए इस ब्लॉग पोस्ट को लिखने में बहुत मेहनत की है। यदि आप इसे सोशल मीडिया पर या अपने मित्रों/परिवार के साथ साझा करने पर विचार करते हैं, तो यह मेरे लिए बहुत उपयोगी होगा। साझा करना है ♥️
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