Indlela uthembe unjiniyela, lapho konke engazinzile ngakho?

Izimpawu ukuthembeka kunjiniyela

Umbuzo lokho unjiniyela singamethemba, kwaba njalo ebaluleke. Kodwa esikhathini nokuntengantenga kwezezimali nezingozi ukwanda kakhulu, futhi ngenxa yalokho umthengi ngaphambi kokwenza isinqumo sokugcina, kubalulekile ukuba baqaphele ngokukhethekile.

Natalia uSolomoni, oyisikhulu MIC-Real Estate (GC CIS) inikeza izici ezilandelayo for umthuthukisi eqinile:

1. Ukuba khona izinto kubaqoqi amafulethi ukuthi sezivele ibhalwe impahla;
2. Ukuntuleka kokukhulumisana emisebenzini yokwakha eqandisiwe;
3. Umsebenzi we ukuhamba komsebenzi endaweni ekhethiwe into yokusesha;
4. Imininingwane kwabezindaba nakuyi-Internet (kuhlanganise Izibuyekezo) - njalo ukubhala ngezinkinga;
5. Imininingwane kusayithi kwesihlalo sokwahlulela arbitral;
6. Amakamelo okulala awabange ukudayiswa ngokuhambisana uMthetho Federal 214.

Leonard Blinov, umqondisi marketing UrbanGroup Icabangela ezibalulekile idumela lonjiniyela, kanye nendlela inkampani ihambelana nemithetho amazinga washo ukwakhiwa. "Le ndlu kuwufanele ukuthenga kusukela Umakhi nge ezinhle idumela nokwakha ukulungela izindlu ezingekho ngaphansi kweziyi-30%. Udinga ukuthenga impahla kuphela izakhiwo zokuhlala, ukuqaliswa elisemnyango 214 FZ, esivikela engcono umthengi.

Ukuba khona imisebenzi eminingana, kuhlanganise okungenani eyodwa igcwaliswe futhi omunye esigabeni elivuthiwe isakhiwo ukubukela ijubane ukwakhiwa. Ulwazi mayelana wakunqoba kanjani Inkinga 2008 ngonyaka. Kuyinto efiselekayo ukuthi inkampani iminyaka okungenani 3 ", - uthe uchwepheshe.

Ukubaluleka oluthile idumela omakhi igcizelela Vitaly Bahvalov, Inhloko Marketing futhi Ukukhangisa Group of izinkampani SU 22. Ngokusho kwakhe, akukho lutho ngoba umthengi empikiswaneni enjalo enamandla njengoba ukuthi inkampani ezigcwaliseka esikhathini zonke izibopho zayo odlule ngesikhathi ukuqedela izakhiwo - kuhlanganise inhlekelele 2008-2009. "Abantu ungabiza e esakhiweni futhi ubone konke ngamehlo akho - njengoba umthetho, bese kwesigamu umbuzo ziyanyamalala."

Alex Shmona CEO portal phezu impahla Move. su lithi nokuvuleka lonjiniyela, ukuzimisela kwakhe ukukhuluma nabezindaba - ziwuphawu oluhle. Ngokusho kochwepheshe, umthengi engaba angase promonitorit umsebenzi PR edingekayo inkampani: ukufunda okwashiwo izazi zayo phambili ekukhulumeni kwabezindaba, umsebenzi izikhulumi kanye nezethulo njll "Uma inkampani ixhumana ngokungafihli abezindaba, qalisa ingxoxo imiklamo yabo - avame kusho ukuthi bayaqiniseka ngokwanele amakhono abo. Musa ukudida umsebenzi PR izinkampani ne emphakathini lezinombolo ayo ayinhloko, esekelwe izitatimende ihlazo, njll Prakthiza ebonisa ukuthi isitayela tekwenta libhizinisi laba badlali abafanele, okuba nomthelela omubi ukusebenza izibopho zayo kumakhasimende ", - uthi uMnu Shmona.

loan ukwakhiwa

Ngokusho isipiliyoni 2008-2009, onjiniyela abaningi zishiswa ngoba imilutha kakhulu credit ngezimali. Imakethe bekulokhu kuyanda, wathenga yonke into - bese ngokuvamile kakhulu hhayi yokuhlala yabo, futhi ngenjongo kabusha. Ngidala iphrojekthi, futhi ngisho nalapho ukuthuthukiswa kwethu okusezingeni eliphezulu nempucuko emakethe, consultant babehilelekile ku akusiyo njalo. Ngokuvamile mayelana nanoma yisiphi imiqondo ukumaketha kanye kwenaba kohlaziyo ka umbuzo, onjiniyela babekholelwa ukuthi nokunye uyakwehla - emakethe ngeke ukuncela iyiphi ivolumu. Ngaphezu kwalokho, ngandlela-thile umqambi ephethwe ukuvula nomugqa wekhredithi, futhi yonke into ihamba kahle - inqobo nje amabhange esibucayi, ngakolunye uhlangothi, abakwazanga uqhubeke ezimalini, futhi abathengi baye bafunda ukubala imali futhi waqala ukukhetha ngokucophelela lokho ofuna ukuthenga. Futhi le nkinga nge mortgage ingxenye abathengi ngokushesha unqunywe.

Ingabe lokho kusho ukuthi kumelwe siqaphe ikakhulukazi lapho uthenga zokuhlala labo onjiniyela ukwakha ikakhulukazi Ngaboleka imali? Futhi akunandaba ukuthi lowo lomthengi kungenzeka ukuthola ulwazi mayelana nenqubomgomo yezimali kanye Ikhredithi inkampani?

Leonard Blinov ukholelwa ukuthi ingozi umthengi ukuze unjiniyela ukwakhela phezu izimali ezibolekwe, kungukuthi kuxhumene ngqo. "Uma kukhona okuhle okuqinile project ngezimali ebhange, futhi uzoqhubeka, kuba a plus elikhulu. Kodwa khona izimali yombazi siqu nako kubalulekile - kuba ingozi enkulu, ngakho izozama ukufeza izibopho zabo ngisho nasezimweni ezinzima. Ingxenye ulwazi lungatholakala kusukela isimemezelo iphrojekthi "- uthe uchwepheshe.

Natalia uSolomoni uyavuma ukuthi inkinga zezimali 2008 wabonisa, khona engozini enkulu kusukela konjiniyela abephula nesimiso esiyisisekelo nokusimama inkampani: isilinganiso efanele izikweletu nokulingana.

Nokho, ngokuvumelana uchwepheshe, ulwazi oluthembekile umthengi cishe itholakala kuphela uma unjiniyela akusho ukusingatha zomphakathi izitatimende zabo zezimali.

Vitaly Bahvalov libuye lithi umthengi akunakwenzeka ukuba ukwazi ukuthola ulwazi kusuka kunjiniyela ngalokho imali wakha. Nokho, ukwahlulela, kuba njani okunokwethenjelwa unjiniyela okungagcini nje indlela abanekhono zezimali Inqubomgomo kuba, kodwa futhi, isibonelo, ukuthi amakhono it has. "Kunemisebenzi inkampani yethu kungaba pohvastsya yokuthi sakha bebodwa, ngaphandle ukubandakanywa osonkontileka. Akuwona wonke inkampani has ezifana ukukhiqizwa umxhwele futhi base lobuchwepheshe, njengoba esinayo. Kubantu abaningi lo is nengxabano Nokho, okubaluleke kuhamba phambili ngokwakhe uthi idumela lethu futhi umlando lezinto - ukulethwa yabo ngesikhathi. Futhi kanjani sakha - I-umthengi nanku umbuzo wesibili, "- uthi Vitaly Bahvalov.

U-Aleksey Shmonov futhi ukholelwa ukuthi ulwazi ngezimali umthengi akekho lizovuleka. Kepha wavumelana Vitali Bahvalova umbono ukuthi inkomba for umthengi akuyona kuphela ratio izikweletu nokulingana, lapho cishe akunakwenzeka ukuthola, kodwa amandla ukukhiqizwa, inkampani anazo.

Nokho, ukuphatha izimali loan, ngokusho kwabanye ochwepheshe, kunezinzuzo zako. Ngakho, uSergei Liadov, umkhulumeli ukutshalwa kwezimali futhi kwathuthukisa inkampani "City-xxi Century" kusho ukuthi kungenzeka ukufinyelela kunjiniyela credit izinsiza amabhange kuwusizo akubalulekile nje inkampani ngokwayo, kodwa futhi amakhasimende ayo. Kulokhu, yinhlangano engenzi-kwaqedwa izingozi ukwakhiwa ziyancipha.

Yilokho uMnu Lyadov kutjelwa isipiliyoni wokubambisana inkampani yakhe kanye namabhange esikhathini esinzima esibucayi zeminyaka eyedlule: "Inkinga yokungabi 2008-2009. ngokuyinhloko Onjiniyela ethintekile, ababe Inqubomgomo utshalomali nolaka by ekuheheni inombolo enkulu imali. Nokho, inkampani wethu babenamathela Yiqiniso olandelanayo isinyathelo, futhi bavunyelwe ukuba ukugcina ukulinganisela phakathi ukulingana izikweletu. Inkampani wagcwalisa ngokuphelele izibopho zezimali ukuze Sberbank esikhathini zomnotho ezinzima kakhulu. Futhi uye wasivumela ngo-Ephreli 2010 ukuvala umugqa Ikhredithi 60 million. Dollar, futhi kancane ngaphambili, ngo-March 2010 ukuthola loan omusha kusuka yasebhange inani 1.1 bln. Ruble. Sberbank kuyinto umlingani wethu njalo amaphrojekti wokuthuthukisa, kuhlanganise nokwenza uhlelo olunzulu Strogino wesifunda, futhi ngathi njengoba inkampani-Umakhi kubaluleke kakhulu futhi esiyigugu, kuze kube manje lokhu kubambisana uyaqhubeka, ayiyona inkimbinkimbi ngu yizimo zangaphandle. "

iseluleko umthengi

Sergei Liadov wanikeza iseluleko esilandelayo kumakhasimende sendlela wonke efanayo ukukhetha Umakhi okuthembekile.

"Lezi zindlela sencazelo izinyathelo ukuze uvikele inkampani libhekisela, okokuqala kunakho konke, esiphethwe kunjiniyela ukulingana iqhaza sivumelwano (PO) kanye ukubhaliswa isimo kuthengiselana e Rosreestra. Okwesibili, ukukhokha isitolimende, lapho kukhonakala khona. Ukuze bangabi sengozini kuzomele sifake ukuthengwa ukwakhiwa ngangokunokwenzeka eziteji kamuva yokwakha. Nokho, kulesi simo, yentengo ngokuvamile ayoba ephakeme, kodwa inkokhelo ekunciphiseni ingcuphe. Kubalulekile ukwenza amadili nge Onjiniyela kokuba omuhle ibhizinisi idumela kanye iphothifoliyo amaphrojekthi ngempumelelo ukwakhiwa efanayo. yokuqinisekisa okuphoqelekile isihloko imibhalo, ngokuba izwe futhi sivumele imibhalo ukuze kwakhiwe. Nciphisa ingozi futhi bayabandakanyeka ukuxoxisana amadokhumenti wonjiniyela ukuqinisekiswa abameli abaqeqeshiwe abangongoti Ezimweni ezinjalo, "- wathi uchwepheshe.

Isimo abathengi kanye ukuqhubeka emakethe

Kuyaziwa ukuthi ngesikhathi kunezinkinga esidingweni emakethe eyinhloko esitshalweni cishe ngokuphelele ecaleni "we yesibili." Namuhla, nge anda imikhuba emibi emnothweni, kungakhathaliseki umsebenzi abathengi yehlile emakethe eyinhloko, ngakho ungakwazi ahlulele ushintsho umthengi inhliziyo embonini ezintweni ezingekho? Yilokhu sabuza ochwepheshe bethu.

Vitaly Bahvalov wathi inkampani yabo ningagcini ephonsa ukufunwa ezindlini e izakhiwo kuyakhiwa. Kunalokho, ngokusho kongoti, ekupheleni ehlobo kwakukhona boom funa.

Sergei Liadov uthi wakhula kakhulu ngo-August, isithakazelo izinto wemakethe eyinhloko, inkampani waloba ukwanda emithathu ngeshumi funa. "Ngo-September, yawa kancane, kodwa yayisalokhu ezingeni eliphezulu. Isidingo enkulu lisetshenziswelwa izinjongo ekilasini umnotho nenduduzo. Ukunciphisa ngevolumu ukwakhiwa entsha ningagcini. , Izinga odlule ukunikezela ngenxa ukungena amaphrojekthi amasha futhi imiqulu entsha e ezisaqhubeka ", - uthe uchwepheshe.

Natalia uSolomoni abelana umbono wokuthi ukufunwa zokuhlala ezindlini ezintsha ukhula kancane. "Umbandela esiyinhloko kokunquma ukuthi ukuthenga - intengo. Isu onjiniyela, lapho emakethe aphonswe amaqoqwana elincane ezindlini e isakhiwo ethakazelisayo futhi kahle isekela umsebenzi abathengi, "- wathi uchwepheshe.

Leonard Blinov uthi kubalulekile ukuqonda ukuthi umehluko amanani emakethe zamabanga aphansi naphezulu bengase bazikhandlele 30-40%. "Ngakho-ke, lowo usengcupheni, okhokhela ngentengo ephansi. Nakuba ukuhlanzeka zomthetho kuthengiselana emakethe yesibili - akulona udaba elula kangaka, doskanalno futhi kufanele ihlolwe "- uthe uchwepheshe.

Ngakho, inhlekelele 2008-2009 wenza Onjiniyela siqaphe nakakhulu, hhayi kuphela, kodwa futhi abathengi. Uma onjiniyela babuyekeze inqubomgomo yabo zezimali kanye nokuphathwa, abathengi baba ngokucophelela okwengeziwe ukukhetha lonjiniyela, ngonanzelelo linokwethenjelwa kanye nekhono ukuhlangabezana nezibopho zakhe hhayi kuphela ngaphansi kwezimo zomnotho evumayo, kodwa futhi ezikhathini seziyaluyalu zezimali. Nokho, umsebenzi omkhulu emakethe yezindlu kuyakhiwa, ngisho okwamanje lapho lenyuka imikhuba emibi emnothweni kusikisela ukuthi ukuthembeka yabathengi libanzi futhi beneme ngokuvamile okuhle ngendlela engakholeki.

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