Me yasa ba shi yiwuwa a kashe baro kafin jadawalin: Masanin ya yi gargadi game da haɗarin

A cikin bankin na tsakiya ya yi lissafi cewa Russia ne suka rasa fa'idodin tiriliyan 20 ga bankunan. A lokaci guda, citizensan ƙasa suna kawo ƙarshen lamunin gaban jadawalin. Don haka, a cikin kwata na uku na abubuwan da suka gabata, kashi 52.8 sun rufe robles 52.8, wanda yake rikodin tun 2018. A matsayinka na mai mulkin, biyan kuɗi a gaban jadawalin - riba, amma akwai matsaloli inda zai iya haifar da matsaloli, bayar da rahoton "jayayya da bayanai".

Sabuwar rancen maimakon tsufa

Sau da yawa masu karbar bashi suna daukar sabon rancen don jimre wa basu bashin da suke. A cewar manajojin, mutane suna yin bikin Microloans ko katunan bashi. Zai cancanta a la'akari da wannan ƙarin biya zai fi girma fiye da adadin biyan kuɗi.

Misali, idan kuduri a kan matsakaita shine 10-12% na shekara, to, a kan katin bashi zai iya kaiwa har zuwa 365% a shekara.

Tarihin Kudi

Wani hadarin yana da alaƙa da tarihin bashi. Gaskiyar ita ce cewa ƙungiyar kuɗi lokacin da ke ba da rancen yana ƙididdigewa akan biyan kuɗi akan jadawalin kuma tsare-tsaren rarraba ra'ayi da biyan kowane wata. Idan mai ba da bashi yana aiwatar da biyan kuɗi na farko, an hana bankin na riba daga riba kuma ya kamata a hanzarta amfani da wannan adadin.

"A tarihin bashi, farkon biya yana tasiri da kyau. A nan gaba, mai ba da bashi zai iya ƙi izinin aro, tunda banki ba zai karbi riba daga abokin ciniki ba, "in ji ma'aikatar aikin na Rasha ta hanyar Irina Zhigina.

Bugu da kari, yana yiwuwa a rasa adadin da ba karamin lokaci ba idan muka biya bashin kafin lokaci a ƙarshen lokacin kuɗi. Akasin haka, idan a cikin shekaru na farko don biyan bashin gaba shirin, bankin yana sake amfani da sha'awa, wanda ke nufin cewa zargin zai ragu akan su.

Menene cikakkun bayanai don kula da

Da farko dai, ya zama dole a bayyana ranar biyan kuɗi, Zhigina ta ce, tun da ranar biyan na gaba wanda ya fi riba don biyan bashin gabanin jadawalin. Idan kun yi shi daga baya, to, sha'awar da aka tara akan waɗannan kwanaki biyar da farko kuma kawai sauran adadin zai tafi farkon biyan kuɗi.

Hakanan ya cancanci tunawa cewa bisa ga dokar yana yiwuwa a biya bashin gabanin jadawalin, kuma a lokaci guda kada su biya hukumar. Amma akwai wasu dabara da suke. Misali, ana iya kayyade abu a banki tare da banki, gwargwadon abin da abokin ciniki ya wajaba don sanar da banki a farkon biyan bashin na mako ko fiye.

Kuma wani muhimmin sarauta: bayan an rufe rance, kuna buƙatar ɗaukar takaddar tabbatarwa daga banki. Zai kare abokin ciniki daga kuskuren banki daban-daban lokacin da kira game da wasu "manta" ya fara zuwa.

Wadanne ayyuka ne kawai ke cutar da su kawai

Zhigina ba ta ba da shawara wajen tuntuɓar daban-daban ba 'yan adawar "da alkawarin bashin. Mafi sau da yawa, waɗannan kamfanonin suna buƙatar ayyukan sabis daga dubu 100, amma sakamakon shine sifili.

"Ma'aikatan kamfanin sun je kotu a madadin abokin ciniki, kuma mafi yawan 'yantunagar kotu ta fadi a gefen banki. Kamfanin doka bai dawo da kuɗi don ayyukansa ba, kuma har yanzu ba a rage bashin ba.

Ka tuna cewa daga watan Janairu 10, doka ta shiga cikin karfi a Rasha, wacce ta shafa kusa da matakin kasashen kasashen waje na Russia.