Njengoba kunqunywa izindleko egcwele loan futhi uyini

Esikhathini sethu isikhala Imininingwane ligcwele iziphakamiso mayelana ukubolekisa evumayo. amabhange ukushicilela eyodwa kunenye izimo. Nokho, kuyinkomba ebaluleke kakhulu umemukeli kwezimali - Isilinganiso senzalo esisebenzayo - ngokuvamile zithathelwe ongakhetha ikhange nakakhulu.

Kodwa ekugcineni, kuba inani lemali ikhokhwe ebhange, kwaba into ngokuvamile hlupha ngemva ukukhokha imbuyiselo. Ngaphezu kwalokho, lo mqondo kubaluleke kakhulu ngoba osomabhizinisi ngabanye kanye nezinhlangano. Kuye okuvela kuyo izimali ezithile enanini ukubolekisa, yakhiwa izindleko zokukhiqiza kanye nezinsizakalo.

Wenzenjani ukubala izindleko ingqikithi loan. Yini neziqondiso zamanje?

Njengoba ibalwa isilinganiso senzalo esisebenzayo? Kuze kube muva nje, akukho ukuvumelana kwakungeyona inkinga. Noma iyiphi inhlangano ogunyazwe amasu kungaba ezikhangisa isevisi imalimboleko. Ngokuvamile lalineseluleko amaphesenti elincane kakhulu, ngezinye izikhathi asemingceleni ingqondo futhi izinga refinancing. Nokho, kamuva kwacaca ukuthi ukuthi izinkokhelo yokugcina ezikhathini eziningana ephakeme kunosayizi wamemezela.

I Bank of Russia ka-2008, kwaba khona abangu-ukuba le nkinga futhi bamukela idokhumenti yimuphi likhokhele izikhungo ukubala le nkomba. Manje, ukuze sibonakalise kahle izindleko egcwele loan, umuntu ifomula kumele usetshenziswe.

Ngale ndlela, le nqubo sesibe ezilungisiwe, futhi, nakuba inikeza abanye ngeziphambeko, zingabantu alusilo ayisisekelo.

Yini izinkokhelo afakiwe izindleko zesikweletu. Cabanga ngalo mbuzo kabanzi

Okwamanje, isilinganiso senzalo esisebenzayo ihlanganisa izinkokhelo alandelayo umboleki:

- lemali, owethulwa njengengxenye sokukhokhwa imali uthishanhloko imalimboleko;

- lemali, owethulwa ngenjongo nokukhokhwa inzalo loan ;

- Commission ukubukeza isicelo Ukukhishwa aboleke imali noma imali loan (kuyaqabukela asetshenziswa noma abe umlingisi ezifihliwe);

- Commission sesondlo akhawunti yasebhange (cash ukuhoxiswa, ukudluliswa kuma-akhawunti yomuntu wesithathu, njll);

- Commission asetshenziswe Ukukhishwa wesikweletu: izindleko ikhadi, izimali zenkonzo yalo yonyaka nokunye.

Kodwa lokhu hlu aluphelele. Izindleko egcwele credit eminyakeni yamuva ikhula izinkokhelo yomshuwalense impilo umboleki noma umthwalo wakhe wonke ekuhlinzekweni kwezinhlelo izibambiso. Kumele ukuthi ngale ndlela amabhange shift ingozi yabo emahlombe amakhasimende. Nokho, abamukeli loan ngokuvamile ngokuthobeka ukuvumelana nale migomo. Kakade imali iyadingeka.

Yini isamba akufakwanga? Central Bank isungule eziningi izinkokhelo, okuyinto izindleko zesikweletu ayiphazamiseki. Nampa:

- izinkokhelo ze-non-ukuhambisana nemigomo yesivumelwano sokubolekwa imali ezifana CTP, njll.;

- izinhlawulo onikezwe umboleki sika-non-ukuhambisana nemigomo yesivumelwano;

- izinkokhelo ezenziwa isinyathelo umboleki, ngokuvamile - zakuqala buyiselo Imali ikhomishana ngokuba ulwazi ngesimo se-akhawunti loan, uKhomishane ukwethulwa noma ukuhoxiswa imali;

Kwezinye izimo, uhlu lubandakanye izindleko ezilandelayo:

- Ikhomishana lwemali ukuthengiselana, uma inkontileka kwaba in ruble;

- Commission for ukuthengiselana eyenziwa ezinye izikhungo credit;

- lokukhokha ukumiswa imisebenzi.

Izindleko egcwele loan ungaba ezahlukeneyo ezahlukene izibalo kuye ngobukhulu besikhumba saleso izinkokhelo. Uma lo muntu obolekayo eyeka ku ushintsho ngezikhathi amagugu abo, isamba semalimboleko kunqunywa amanani esiphezulu kanye ukubuyiswa kwemali imigomo. Uma uthanda a izinkokhelo okudliwa ngaphezulu njalo, ngokuvamile njalo ngenyanga, kulinganiselwa zizathu.

Kungabonakala sengathi umboleki elula uzokwazi ukubala yonke imali lapho kuzodingeka ukhokhe. Eqinisweni, cishe, kuvela ukuthi izinombolo zakhe zizohluka kwezabantu ebhange. Futhi-ke, ngo-ohlangothini ezincane. Ngakho kungcono ngale ndlela ukuqhathanisa izipesheli kwamabhange. Lutho.