Refinancing izinga - kuyinto ... Ukubala of ngesilinganiso refinancing

Namuhla sizama ukuqonda ukuthi yini kuthinta ukuguquguquka wesikweletu yasebhange zenzalo, kungani sikhokha izimali ezengeziwe ekuvuthweni inzalo emalini ebolekwe kwanoma iyiphi ezibanjwayo eyengeziwe okufanele ayicabangele lapho enza insuring ezimpilweni zabo.

Emaphakathi yasebhange refinancing njengoba eyamsiza

Izinga refinancing - lena ngokuyinhloko ithuluzi lapho izikhungo ukuhweba ngemali zinikezwa ne esebenzisa Central Bank. Iyini indima igunya lomphakathi?

Wonke umuntu uyazi ukuthi wonke komgomo wokuboleka amabhange ngezimali of Central Bank unesibopho, futhi injongo yale msebenzi ukuqinisekisa inhlalakahle yezwe (kufika ku uphawu). Lena yingxenye eside izinqubomgomo lukahulumeni mayelana nokugcina ehloniphekile wayibhinca GDP.

Ibhange emaphakathi has iziyisikhombisa yayo ithonya, ngokuthi izindlela senzo. Sekuvunyelwe ngumthetho futhi yilena elandelayo:

• Linganisa amazinga ezisebenza ka ngamabhange;
• edamu Isipele;
• ukuhlinzwa emakethe evulekile;
• kokukhipha umsebenzi;
• isilawuli exchange;
• refinancing amazinga izinhlangano commercial bazibandakanya emsebenzini owodwa owenziwe obolekisayo.

Umqondo futhi ekubalweni ngesilinganiso refinancing

Njengoba sikhuluma amathuluzi ithonya Central Bank, ke sizogxila yokugcina, futhi isendleleni, abaluleke kakhulu kuwo. I refinancing izinga - isilinganiso esenzelwa mayelana izinqubo zezomnotho kanye noguqukozimali kuleli zwe. Njengomthetho, akudingi izibalo eyengeziwe, ngoba isungule ngokucacile isizathu esenza isikhathi esithile, kodwa okwengeziwe ukuthi kamuva.

Manje kufanele uqonde ukuthi oluthinta ngqo ukutholakala credit wonkana. Izinga refinancing - lena ukubaluleka ukuthi kulawula umthamo ukubolekisa kuleli zwe. Ngamanye amazwi, lo ephansi kunjalo, aba maningi amathuba okuba ukuthi amakhaya ungakwazi ukukhokha izinhlawulo kanye amashaji ku imali abayithole ezikweletini.

On ezingeni ebhizinisi umsebenzi izinga kuthinta cishe ngendlela efanayo. I aphansi kuba, aba maningi ezikhanyisayo loan izimali kungenziwa ehilelekile okwabo. Njengoba iphesenti kakhulu.

Refinancing noMbuso

Ngakho, sabona ukuthi ezingeni lokhu isilinganiso kunomthelela oqonde ngqo inhlalakahle kokubili amakhaya kanye namabhizinisi. Iyini indima yakhe isimo? Uhulumeni, esikhundleni salokho, inquma lizinga izintela, izinhlawulo kanye nenzalo izinga refinancing. Ngamanye amazwi, ithinta yonke inqubomgomo kwezimali isimo.

Nokho, njengoba le isici somthetho jikelele lokungena nokuphuma kwemali, kukhona ubuhlobo nabathile: ngokushesha nje lapho izinga lokwehla kwamandla emali kuleli zwe uqala kukhethwe ezingeni oyinhloko, isilinganiso, ngokulandelana, liphume, ngaleyo ndlela kuncishiswe inani asizakale etholakala.

Njengoba for inqubomgomo yentela, kukhona inqubo esemthethweni luyindida kakhulu.

Refinancing loan yakho futhi

Okokuqala, ake sicabangele duty ebaluleke kakhulu zonke amalunga omuzi - intela yengeniso. Lapho umuntu ovamile kuthatha imalimboleko ebhange ngokuhweba, kufika isikhathi ukukhokha isithakazelo, kancane wacabanga ngalokho ikhomishini ezifihliwe kuthiwa ihlawulelwa ngokwehlukile. Cabangela isibonelo esilandelayo. Ake sithi inani lenzalo ka refinancing ngesikhathi kwemali isethwe ngumbuso ngesilinganiso 15%, ngesikhathi Bank inikeza izimali at 11%. Isilinganiso elikhulu ayemkweleta, ngaphansi komthetho wamanje (Art. 212 RF), 75% of the state ifakiwe, isb 11,25%.

It kuvela ukuthi lo muntu obolekayo kusindisa 0.25% yemali ebolekwayo, ukuthatha loan ebhange. Kusukela leli nani, futhi uyobe ekwenze waba emalini yentela engenayo siqu njengendlela inzuzo ngenxa extra. Ivame kufakwe izindleko zokubheka loan, futhi ngokuvamile akekho okhokhela sibanake kakhulu ngenxa yabo kancane zanqwabelana.

Refinancing futhi Lebhizinisi

Osomabhizinisi ukuqaliswa imisebenzi ejwayelekile izinga Central Bank (refinancing) kungathinta kuphela uma kubalwa for yokufuna kwezimpahla noma amasevisi e izibambiso (ezifana promissory amanothi noma izibopho), okuyinto yayikade olithenge wesithathu. Lesi simo usebenza kuphela ezimweni lapho izimpahla angaphansi base-VAT, futhi okwenziwayo kwenziwe ensimini ka WaseRussia.

Khona-ke okuzisholo intela izindleko kuzokhuphula inani engenayo ku izibambiso. Lokhu ucabangela kuphela ingxenye yemali ukuthi idlule kuvunyelwe kulesi sibalo kokuqala, ngokuhambisana Coefficient refinancing.

Kulokhu, izinga refinancing - lena lemali ngawo ibhizinisi lakho bangase bahlupheke. Ngakho-ke, uma leli nani umthethosivivinywa yokufuna lalilide kulabo ngesikhathi kuthengiselana, usomabhizinisi uzolahlekelwa. Uma, kunalokho, izinga rose - ke bazosala inzuzo kusukela imisebenzi.

Refinancing futhi umshwalense

Ngaphezu kwalokho, Central Bank refinancing izinga has ngezinga elithile kwethonya engenayo izakhamuzi 'lapho ukuthathelwa umshuwalense ezimpilweni zabo. Isebenza kanjani?

Njengoba isibonelo, ukuthatha ngesikhathi esisodwa uhlobo ethandwa yomshuwalense - nokubuyiselwa ethile izimali ukuze kufezwe kweminyaka ethile. Ake sithi pholisi wenze njalo iminikelo ngemali yabo iminyaka eminingi, futhi kulo nyaka efika ukukhokhelwa athandwayo.

Kubalulekile ukuqonda ukuthi zithinteka kanjani isimo yayimelelwe izinga refinancing ngesikhathi esiphetha le inkontileka umshwalense. Uma ngosuku lokukhokha isinxephezelo imali ayeqi sibalo Imininingwane amaphrimiyamu, ukwanda kokungabi isici eziyigugu ke wesabe lutho ngaphandle kwesizathu. Uma ngokuphambene nalokho, ne umehluko kuzodingeka akhokhe intela yengeniso ukuze kuzuze ukufunda okwengeziwe.

Indlela ukushintsha unyaka nonyaka izinga refinancing

Eminyakeni eyishumi edlule, lokhu isilinganiso kuyinto ku ezahlukene 7-9%, okusikisela ukuzinza ezithile emakethe yemali emazweni. Noma kunjalo, ngingathanda ukubona isimo lapho izinga kunomthelela oqonde ngqo ku ukuziphatha ngamabhange.

Ngokwesibonelo, ukuvaleka kwegebe refinancing anda. Kulokhu, credit izinyunyana kanye nezinye izikhungo bazibandakanya emsebenzini owodwa owenziwe abolekise, kumelwe ngandlela-thile isinxephezelo ukwehla kulindeleke ziphoqa kwezinkonzo zazo. Kulula - kwandisa inzalo ukuhlinzekwa kwezimali.

Kodwa akugcini lapho. izici ezinjalo musa ukushintsha kanjalo nje. Amathuba kuthiwa, uma kwenzeka, uMbuso is ukusebenzisa inqubomgomo wezimali omusha ukuze alawule kwamandla emali. Lokhu kusho ukuthi eminye ukulandela izinguquko ezintsha ngesimo izenzo zokulawula zomthetho, ngakho amabhange ngeke ulungise ibhizinisi labo ngaphansi Amathrendi esilandelayo.

Refinancing kanye ne-capitalism

Cabanga ngesimo ngesibonelo emazweni athuthukile ezimakethe zomnotho --United States. I refinancing izinga namuhla edlala indima ebalulekile ukulawulwa kwezimali kwemali kanye kumiswa Federal Reserve. EMelika, lesi sibalo inquma iphesenti ukuthi kumele akhokhe ibhange commercial endabeni ukusetshenziswa okwesikhashana kwezimali zomphakathi. Ngakho-ke, uma isilinganiso akuyona okusezingeni eliphezulu ngokwanele, uhlelo commercial akuyona besongelwa, futhi yena kalula enze imisebenzi. Nokho, ngokushesha nje lapho izinga liqala ukuphakama, futhi imisebenzi credit izikhungo engaphansi usongo ngobe ematfuba ukuthi tando they be able ukukhokhela izibopho zayo, sehla kakhulu, okuyinto ke kufuna okumisiwe.

Izinga refinancing eRussia

Ngesinye isikhathi lesi sibalo odlale indima ebalulekile ukulawulwa nokuphuma kwemali ku zwe elikhulukazi. Ngakho, lapho esebenzelana Amathrendi inflation e 1992-1996, lokhu isilinganiso kwafinyelela izinga 99%.

Lapho lezi ageleza esingokwemvelo umnotho okungenamsoco, abangu ezilungisiwe kahle ngokwezinga elithile, kanye nani lase njalo falling. Manje izikhungo commercial zezimali kalula futhi ngesikhathi ngempela iphesenti enele okunika kokubili eside futhi short-term ukubolekisa kwanele (futhi ngezinye izikhathi ngisho ikhredithi obubodwa noma ngempelasonto), ngaphandle umhlatshelo yimiphi idumela layo noma izithakazelo amakhasimende.

Ngaphezu kwalokho, kufanele kuphawulwe ukuthi izinga refinancing kuze kube manje kule Russian Federation okuzuzisayo kuphela, ukuthi livikeleke umthetho futhi isiqinisekiso kuze kube Januwari 2016.