Idiphozi yesikhathi esifushane at amaphesenti okusezingeni eliphezulu. Lapho izimo ezikahle kakhulu?

Bank ezifakwa ayindlela imali zabo emiphumeleni elimazayo emali, kanye amasela ungathola ngaphansi komqamelo ebe lazy isidleke amaqanda.

Futhi cishe wonke umuntu ufuna ukushicilela umnikelo ngesikhathi eziphezulu zenzalo, kodwa ungakwenza kanjani lokho?

Ukuze izinzuzo ezahlukene, kanye ebhange ilungele ukukhokhela amakhasimende ezahlukene

Akusiyo imfihlo ukuthi isimiso esiyisisekelo okusebenzela ibhange - ukuthi imali engaphezu kuka uchitha. Izindlela eziyinhloko yezinzuzo ebhange, kunezindlela ezimbili, zingabantu:

• zokuhlala kanye imali amasevisi (ngemuva kwalokhu - CSC);

• obolekisayo.

Lapho RKO yasebhange, isimiso, akadingi imithombo yezimali, ukuze credit, kubalulekile ukuba izimali, okuyinto ekhishwe kumakhasimende.

Umthombo oyinhloko edonsa ezifakwa sisebhizinisini nezimali ezinkulu. Futhi naphezu ezahlukene zenzalo, bonke bangabafowabo efana nomunye, kodwa yebo, yiba umehluko othize.

Izinga lenzalo yemali mboleko ku idiphozi - indlela ukuheha abathengi

Ukuze ukuheha lemali imali esikhathini esifishane, amabhange zigcwalisa lesi siprofetho ngokunikela amakhasimende ukubeka iminikelo at eziphezulu zenzalo. Futhi-ke, ukuthi iningi labantu liyokhetha ngokunembile labo izikhungo zezimali ukuthi ukusetha ibhidi eliphakeme.

Phela, uma ibhange ekhoneni inikeza imigomo kahle, ke kungani kungenjalo hamba khona umhlobiso umnikelo?

abeluleki lwezezimali kungaba ngokuqinisekile baqala ukutshela ukuthi akudingekile ukubheka inani lenzalo kanye nesidingo uhlole isilinganiso asebhange, zokuxhumana yayo, ukuthembeka nokuzinza ngokwezimali, ikakhulukazi uma sikhuluma izimali zakwamanye amazwe ezifakwa at eziphezulu zenzalo.

Lokhu iqiniso lalo futhi ingxenye ethile wamanga. Empeleni, ngala mazwi, abazama ukudlala esifisweni sakho hhayi ukuhlala ne ekhaleni hhayi lilahlekelwa yimali yalo.

Lokhu, ngenhlanhla, kuyinto ehluke ngendlela ephumelelayo evumela ezinye amabhange abe ezibanzi ikhasimende base, ngaphandle ukunikela umuntu wabo ukubeka umnikelo ngesikhathi eziphezulu zenzalo.

The esiphezulu idiphozi izinga

Uma ngikhuluma iqiniso, ngisho 2009, abantu abaningi ungazange ngafunda ukuthembela imali yabo emabhange, okuyinto ke "waqhumuka" like Bubbles. Kodwa kancane kancane abuyiselwe ithemba emabhange, nakuba wamanje agxume lwemali baphoqeleka ukuba ukhathazeke. Kodwa ubudala izimali zakwamanye amazwe ezifakwa at eziphezulu zenzalo Yiqiniso, ayisaxhunyanisiwe ezitholakele.

Uma sihlaziya emakethe services yasebhange, singabona Amathrendi ezithile ukuthi lizimelele ku Russian Federation. Ake sibheke kubo.

Yiqiniso, ibhange yokungezwani ebhange, futhi bonke inqubomgomo yakhe siqu idiphozi izinhlelo, ukunikela iminikelo at eziphezulu zenzalo. Naphezu umehluko ezingaba okuphawulekayo zenzalo yokuzigcina imali, umehluko loan futhi idiphozi izimo iyefana.

Lokho umehluko phakathi kwesilinganiso okulinganiselwa ku ku imali kanye loans e iningi izikhungo zezimali Russia ivuliwe iqophelo elilodwa.

Yimiphi iminikelo kungcono ukukhetha ukuze uthole inzuzo kakhulu?

Ngeshwa, izimo samanje idiphozi, zifakwe ebhange, ngisho e-eziphezulu zenzalo, ungavumeli ukuba ngempela ukwenza imali yabo. Ikakhulukazi kahle lokhu amakhasimende ebhange abakhethe ukuvula ezifakwa in ruble ethembeni ngesilinganiso ephakeme kunaleyo izimali zakwamanye amazwe.

Ngenxa yokuthi i-ruble sesehle kakhulu liqhathaniswa ne-dollar, inhlokodolobha langempela zimali uye yehliswa nge-cishe amabili izikhathi. Phakathi naleso sikhathi, ekupheleni zifakwe ebhange nganoma eziphezulu zenzalo kuzoletha akukho kuka 13% wemali engenayo. Lena ngisho noma ungenawo ungangemuki ku-akhawunti kwamandla emali. Futhi labo bakwazi ukuzwa ingozi bese ubeka idiphozi ngamadola wase-US, kunalokho, wazuza.

Efanisa zenzalo yokuzigcina ezifakwa ezihlinzekwa amabhange ku Russian Federation ezingeni amazwe aseYurophu, singabona ukuthi amabhange aphesheya bazimisele ukukhokhela izinsiza zezimali mancane kakhulu. Ngakho, usayizi credit premium futhi ephansi kakhulu kunezinye nemibandela yaleyo sipho emakethe Russian kwezinkonzo ezingokwezimali.

Izinto ezibhekwayo nibaluleke ukunakwa kwakho lapho ukhetha uhlobo akhawunti idiphozi

Ukuze ukwazi ukubona ukuthi ukukhulisa inzuzo ukubeka imali ebhange, kuhle ukucabangela amaphuzu alandelayo:

• amazinga lenzalo;

• itemu idiphozi;

• nemibandela kokuvala inkontileka, izibopho amaqembu;

• idumela isikhungo sezezimali;

• Uhlelo ukwethembeka.

Sizokwenza ukubaqonda ngokuningiliziwe.

izimo umnikelo akumelwe kube edukisayo

Befuna esesilinganisweni senzalo esiwubuningi Kulula ukuba abe yisisulu. Uma lizinga idiphozi isithakazelo kusobala sihluke izimo emakethe Ngokwesilinganiso, kuba ngesikhathi esisodwa isizathu sokukhathazeka.

Isibonelo, lokhu kungasho ukuthi ibhange kubalulekile yini imali eyanele. sesimweni esinjalo kungaholela ngokushesha isikhungo sezezimali ezikweletini. Lapho izingane amazinga ezifakwa kumele lenyuke ngokuzenzakalela ikhomishini futhi inzalo emalini ebolekwe. Futhi kusongelwa yokuthi amakhasimende lubuye ebhange.

Bheka for imali ngesikhathi eziphezulu zenzalo izinyanga ezingu-6? Funda ulwazi olulandelayo

Ngokuvamile, amazinga aphakeme kuyagcinwa ku imali, okuyinto ezibekwe kweyoku izinyanga 9-12 lwemali kazwelonke. Ngaphezu kwalokho, into okuyiyona ebaluleke kakhulu isimo kwenzalo ukususwa emzimbeni idiphozi.

Uma ufaka imininingwane mayelana ibhange angeke kususe umnikelo kusengaphambili, khona-ke ungalindela ukunikela imigomo izindawo ezingconywana. Nakuba zikhona izinhlelo ahlukahlukene Luhambo okusheshayo imali ukuthengisela, uma ibhange akanayo ngokwanele zokusebenza dolobha.

Ezimweni ezinjalo, izikhungo zemali ukunikela yesikhathi esifushane ezifakwa at eziphezulu zenzalo ethemini 1 kuya ku-3 izinyanga. Kodwa ngabo enzima ukwenza. Nje sengathi usuke kakhulu ngendlela 15%, kodwa akuyona phezu eside yesivumelwano (isikhathi lapho imali ibekwe), kanye kunyaka ogcwele. Ngakho, sicabanga imali yesikhathi esifushane at eziphezulu zenzalo, ezingeni okuhlongozwayo per cent isabelo isikhathi sokuba sesikhundleni isivumelwano idiphozi.

Futhi uzinake umthetho owodwa - kulapho yasebhange isikhungo, ephansi idiphozi izinga ke angaba namandla okuwunikela. Yebo, ungakwazi ukubona ukuthi bangaki abanye yasebhange engaziwa inikeza 15, 17 noma ngisho 20% ngonyaka emgwaqeni.

Ingabe kufanele ngikukholelwe ukuthi uthola imali yakho emuva? Kungenzeka kakhulu ukuthi le-ejenti ezincane zezimali liqhume 3-4 izinyanga, futhi imali yakho kuyoba nothile ephaketheni lakho, kodwa hhayi wena. Ngisho noma ufuna ukubeka ezifakwa inyanga eyodwa ngaphansi iphesenti eliphezulu, akekho uzokunika isiqinisekiso sokuthi iyiphi inhlangano yezimali efana uzobuya imali yakho.

Ngezinye liyini lizinga idiphozi okunikezwayo namuhla?

Amanani zingashintsha nsukuzonke, njengoba kuncike ngokuqondile kunqubomgomo ebhange kanye isimo ezisebenza amasevisi zezimali emakethe.

Namuhla, uma uya kwi amabhange, ngokwesilinganiso uzonikezwa:

• elithi idiphozithi yanoma RUB - kusuka 6.0% kuya 10.0%;

• ngoba imali efanayo, kodwa ngamadola wase-US - esingaphansi 3%;

• ezifakwa isikhathi esingenasiphelo - akukho kuka 2%, uma ibekwe ku ruble nokuningi below- e izimali zakwamanye amazwe.

Singafanisa lezi zibalo nge izinga isilinganiso emali eRussia, okuyinto kwaba (ngokusemthethweni) kancane amaphesenti angaphezu kuka-10.5 kusukela ekuqaleni 2015. Futhi uma ucabangela iqiniso lokuthi ruble wawa kabili ke kubukeka nakakhulu.

Ngakho, imali yangempela ngeke zisebenze noma yiluphi uhlobo enikelwe.

Funda ukuthi uphawu

Kukhona Kuyiqiniso elidabukisayo ukuthi kuzo zonke ikhasimende, inkontileka ofunda akukho ngaphezu kuka 10%. Izigaba elihluke abameli ufundisisa kuyo yonke izwi, uzama ukuthola ezinye izingibe.

Ngokuvamile ku ezifakwa in ruble ngaphansi iphesenti eliphezulu izivumelwano, kanye nanoma yimuphi omunye, kungenziwa ebekiwe izimo opaque obuhambisana izingibe. Ngokwesibonelo, unesithakazelo a okusezingeni eliphezulu lenzalo, okuyinto amaphuzu ambalwa ephakeme kunaleyo kwamanye amabhange.

Ngo isivumelwano ebhange enjalo kungenziwa ebekiwe ekukhokhweni isabelo ngesikhathi ukubeka noma kokukhipha kulo idiphozi. Noma inganikelwa izinhlawulo ukuhoxiswa ekuseni noma okunje.