Ndiyenera amatenga ngongole tsopano? Ndiyenera kubwereka tsopano ndipo zikutanthauza chiyani?

Ambiri nzika wathu processing ngongole - izi ndi njira yokhayo kuti atenge katundu anakhumba kapena kulipira ntchito. Kugula galimoto kapena nyumba kwa ndalama ndi angapo. Mu nkhani imeneyi, funso kaya amatenga ngongole pakali pano, kwa Russia monga zogwirizana monga kale.

kukongoza chiyembekezo tsopano

Kumbali ya mavuto yachilendo kugona ndi Europe ndi United States ndi kuuka kufufuma mabungwe banki zoweta ndi mavuto aakulu liquidity. Chifukwa cha ichi, iwo kuganiza kulera chiwongola dzanja kuti mwanjira ina kuwonjezera chuma panopa. nkhaniyi ndi zovuta chifukwa chakuti ziphatso lakana, choncho mlingo wa chikhulupiriro pa mbali ya ndalama wathetsedwa zayamba mabungwe ena kubanki.

Funso kaya amatenga ngongole tsopano, m'malo pachimake kwa mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe. Akufuna mawu ngongole kuti omangika kwambiri. Makampani ambiri sitingapeze kukwaniritsa udindo wake pa alipire ngongole ndi amakakamizidwa amachita amaloledwa kwa bankirapuse.

mabungwe banki khalidwe Wopezerera

Monga kale anatsindika, mabungwe kukongoza kuti omangika zofunika borrowers. Komabe, mpaka kuwonjezeka weniweni chiwongola dzanja lili apabe. Ngakhale mavuto kukula ndi chizindikiro H1, mabungwe banki lalikulu pachangu palibe kusintha maphunziro awo. Komabe, akatswiri amakhulupirira kuti kuwonjezeka chiwongola dzanja pa ngongole m'chaka panopa akadali zichitike. Inde, kuchuluka borrowers nkhawa kuti kaya kutenga ngongole pakali pano, ndipo ameneyo adakana za ndalama kwambiri. iwo kodi? Zikuoneka kuti iwo amafunafuna njira zina zothetsera kusamvana mavuto a zachuma ndi kunena za MFI. Inde, akatswiri kulosera ndi 2015 mbewuzi mu gawo la microfinance.

Komabe, mabungwe lofotokoza ngongole chiwongola dzanja adzakhala m'malo chachikulu. Zonsezi motsutsa maziko a mavuto azachuma, mabala mu kuchepetsedwa malipiro ndi ndodo umboni za chinthu chimodzi - ngongole dzenje chidzakula. Inde, funso kaya amatenga ngongole pakali pano, munthu aliyense kwa iye yekha ayenera kusankha yokha, koma akatswiri kupereka zinthu zokhumudwitsa - chiwerengero apamwamba chidwi ndi kuchepekedwa ndalama anthu imautsa akuchedwa pa alipire ngongole.

Amene ngongole adzakhala kufunika mu chaka panopa

ofufuza Financial kutsimikizira kuti chaka chino kuwonjezera kufunika kwa mapulogalamu kubweza. Zovuta geopolitical zinthu ndiponso kusakhazikika kwa mlingo kuwombola zidzatithandiza kuonetsetsa kuti kuwonjezeka kwambiri mu mtengo wa zinthu zofunika - malo ndi dziko.

kubweza

Ngati inu mukudabwa kaya kutenga ngongole pakali pano, ndi bwino kusankha kwa kubweza ngongoleyo, choncho posachedwapa kuwonjezeka kwambiri chiwongola dzanja mu gawo ili sayembezereka.

Car Loan

Komanso anthu ambiri amafuna mu 2015 adzakhala ngongole kwa ogulidwa magalimoto, ndi kupanga Russian.

Izi zingathe kufotokozedwa ndi zifukwa zingapo. Woyamba mofulumira kuonjezera ndalama magalimoto lina. Ndiponso, kuwonongeka kwa kugona ndi atawalamula EU kwa magalimoto zakunja Russia mayiko anagwa. Komanso nzika za dziko lathu mwa zifukwa wakutemwa, ndikufuna kulera kutchuka kwa makampani zoweta magalimoto, amene katundu ndi nthawi mtengo kuposa kunja "akavalo chitsulo". Choncho, ngati inu sindikudziwa ngati kutenga ngongole panopa, tinagulira galimoto Russian ndi ndalama anabwereka adzakhala zochita mwanzeru!

ogula ngongole

Kumene, Musataye kutchuka ndi ogula kukongoza awo mapulogalamu. Komabe, borrowers ayenera kudziwa kuti chiwongola dzanja mu gawo ili chidzakula kwambiri. Chifukwa chake kachiwiri mavuto azachuma ndi devaluation wa ndalama dziko. Ngati woyamba mitundu iwiri ya chiwongola dzanja adzauka pang'ono ndi pang'onopang'ono, ndiye mtundu wa ngongole - zikuchepa ndipo mwamsanga.

Wovuta kuyankha mafunso: "Ndiyenera kutenga ngongole? Kukhala pa ngongole tsopano kapena kugula mtsogolo? "

Mu 2015, angathe borrowers ayenera kukhala kwambiri ganizilani kuchuluka kwa solvency akeake kamangidwe ka latsopano pangano ngongole.

Kodi padzakhala kusakhulupirika mu chaka panopa

Russia ambiri amaopa kusakhulupirika mu chuma zoweta. Ndi chiyani icho? Mu gawo ili ndi vuto limene dziko si tingathe kubweza ngongole yachilendo. Atalimbikitsidwa ndi chakuti dziko lathu lili pafupi zoterozo. Kumlingo, ndi kusakhulupirika angatchedwe kulephera kusintha dongosolo penshioni. Akuti chodabwitsa sizabwino chuma kumachitika chifukwa cha kuchepekedwa bajeti Mwachitsanzo, ngati tikulankhula kuchepetsa kuchuluka kwa ndalama akubwera kuchokera zogulitsa kwa katundu zachilengedwe.

Mavuto padziko lonse m'chaka panopa kuchepetsa mowa, choncho kugwa mu ankafuna mphamvu, umene uli kupita kugunda Russian chuma. Kusintha zinthu m'pofunika kukhazikitsa zikulumikizana malonda ndi China, amene dziko lathu kale kupereka chimasanduka opindulitsa kwa mmene chuma chikuyendera dziko la kum'mawa zigawo.

Kodi n'chiyani chidzachitikire mtendere chuma ndi malipiro

Panopa mayina Kukwera kwa mitengo ya mafuta ndi kuwonjezeka mu kufufuma. mitengo chakudya chikukwera oposa, ndi kugwa mlingo kuwombola.

Kodi izi zikutanthauza chiyani? Only chakuti katundu adzakhala zodula ndi antchito wamba akhoza kudalira mabonasi ndipo mabonasi ndalama kuboma. Koposa nyumba malonda adzakhala kuyambitsa bankirapuse Kuthi, amene basi zikuphatikizapo nyamuka ku ulova. Malipilo sati kuchuluka, osachepera mu miyezi sikisi 2015. Mulimonsemo, mudzakhala kasanu kuganizila kapena kutenga ngongole pakali pano. Maganizo a akatswiri pa nkhani imeneyi, mwatsoka, zokhumudwitsa.

Chiyani tinganene kuti atenge chaka chino, ndalama zakunja ngongole

funso limeneli liyenera kuyankhidwa kuti inde. Phindu la ndalama wobwereka ndi ngongole ndi kuwonjezeka dollar ndi yuro momveka bwino. Mu 2008, anthu amene mwapereka ngongole kwa nthaŵi yaitali ndalama zakunja pa kukula yogwira ndi kubweza ngongoleyo rubles, anapambana. Patapita miyezi 3, American ndi European ndalama unayamba kugwa mu mtengo, motero, borrowers anayamba kupereka zochepa. Ubwino anamvera ndi makasitomala amene sanali kusinthitsa ndalama za ngongole za ku ruble zoweta. Chaka chino, yuro ndi dollar sayenera kugwa zikuchepa, koma akatswiri ena odalirika kuti pofika chilimwe dola ndalama zosaposa rubles 45.

Tiyenera kuyembekezera chiwongola dzanja mabala

Anthu amene makamaka kwambiri nkhawa funso kapena ngati kutenga ngongole tsopano ndi n'kwabwino, ayenera kudziwa kuti adzakhala sanadulidwe chiwongola dzanja kwa kanthawi kochepa.

Ndipo mmodzi wa akatswiri akukhulupirira kuti amavomereza ngongole ndi amazitcha kuti ndi bwino kukhala ndi mabanki, osati ndi mabungwe microfinance Komano, si kuyenera kuti formalize ngongole tsopano anasiya chifukwa chidwi adzapitiriza kukula, ndi zina. Kuyenera anatsindika kuti MFI borrowers ndalama pansi 150% pa annum, amene, ndithudi, kwambiri. Mlingo banki kwambiri m'munsi, koma kuonetsetsa kuti ngongole ya wavomerezedwa, osachepera.

Kupendanso ngati kutenga ngongole pakali pano, kapena bwino kuti asale, tingakhale sanyalanyaza maganizo a akatswiri a zachuma amene amalangiza kubwereka ndalama ku banki, kumene gawo la miyala ya anthu ali ziwawa. The ndalama zambiri, monga athandizira, ukugwira banki bungwe, ndi apamwamba liquidity, lomwe umboni wosonyeza ake.

Komabe, kutenga kapena ayi

Kumene, anthu ambiri funso kaya kubwereka tsopano ndi zimene zikutanthauza, ndi yofunika kwambiri. Mosamala ndi "ubwino" ndi "kuipa", ndipo kokha kutenga lingaliro lomaliza. Ganizani za zimenezi muyenera katunduyo, ogulidwa ndi zomwe mukufuna kuti apereke ngongole. Mosamala mfundo bwana wogwila mu msika banki ndi kusankha amene ali opindulitsa kwambiri kwa inu. Ngati inu ungasunge pa ngongole, ndi bwino kuchita izi pofuna kupewa mavuto zosayembekezereka ndalama. M'mawu ena, kukonza ngongole monga yomalizira Mwachitsanzo, ngati mukufuna kupereka maphunziro ana awo kapena chithandizo mtengo wa okondedwa awo.

ayamikira General

Kotero inu ndithu kusankha funso kaya amatenga ngongole pakali pano. nsonga zothandiza zotsatirazi zikuthandizani inu.

Makamaka kusankha ngongole ruble. Kotero inu mukhoza kuchepetsa chiopsezo cha kuchuluka kwa ndalama ya ngongole kukachitika kuti ngati dola amayamba kukula. Ngati kulandira malipiro mu US kapena ndalama European, kubwereka ndalama bwino akali rubles. Kuchepetsa mlingo wa ndalama lidzapambana amathandiza kuchepetsa ngongole kuchuluka kwanu.

Komanso dziwani kuti si kuyenera kuti apereke ngongole kwa ogulidwa mankhwala, monga chiwongola dzanja pa izo n'chozama kuposa ngongole ndalama.

Kuganizira kuti mulibe kupita mu anadzuka ya gombe ndi kulipira inshuwalansi, ndi zolipira zina - zonsezi ndi kwawo.

Ndipo, ndithudi, onani mmene munthu kapena bungwe lina ndalama molondola. Pamaso kusainira pangano ngongole mwawerenga mosamala mawu onse, makamaka amene analembedwa kusindikiza yaing'ono. Kotero inu mukhoza mungadzitetezere ku zodabwitsa zosasangalatsa m'tsogolo!