Chomangirachi ndi chotetezera chomwe chimapereka ufulu kwa ndalama zomwe zimaperekedwa. Pulogalamu ya wogulitsa zitha kukhala ndi zolipira - zolipira nthawi yogwiritsa ntchito ngongole. Kapenanso mawonekedwe a kusiyana pakati pa mtengo wogula komanso mtengo wa mwadzina mwa kampaniyo panthawi yakubwezera kwake.
Pakufotokozera zosavuta, mgwirizano ndi ngongole wamba ya boma kapena bizinesi. Ndi kusiyana kwakukulu: nkhani yokhudza ubale imachitika njira yolembetsa ku State.Zokolola zomangira
Chuma pa maubwenzi ndi mitundu iwiri. Ndalama zolipira - kuponi - zolipiridwa nthawi zambiri kamodzi pachaka. Ndalama zoterezi zimatchedwa kuponi. Mwambiri, imawerengedwa kotero.Zokolola za mgwirizano ndizofanana ndi kukula kwa coupon yogawidwa ndi mtengo wa chitetezocho, ndipo zotsatira zake zidachulukanso ndi zana. Mwachitsanzo, tinkamangira chomangira ma ruble a 1000. Coupon ndi 50 rubles pachaka. Chifukwa chake, timawerengera ndalama: 50 yogawidwa ndi 1000 ndikuchulukitsa 100% ofanana ndi 5 peresenti pachaka.
Kumbali inayo, chomangira sichikhala ndi coupon. Kenako ndalama zamtsogolo zaogulitsa zidzakhalapo posiyana kuti zimalipira mukagula pepala ndi kuchuluka kwa kubweza kwake. Kuwerengetsa zotsatira zake.
Tiyerekeze kuti pepala lofananalo lomwe liyenera kubwezeredwa mchaka chimodzi, zomwe zikugwirizana sizikhala konse. Koma ndiye ndani angalipire ma ruble 1000 mpaka kumapeto kuti atenge zochuluka? Chifukwa chake, mgwirizano udzagulitsidwa ndi kuchotsera, ndiye kuti, wotsika mtengo. Tiyerekeze kuti ma ruble 950. Chifukwa chake, titha kuwerengera zokolola zake ndikuyerekeza ndi pepala lathu loyamba.
Zokolola zachiwiri ndi zofanana ndi: ma ruble 1000, omwe timalandira m'chaka cha chaka cha 950 amalipira pogula ndalama ndi ndalama zapamwamba. Timachita naye monga koyamba: timagawanitsa ma ruble a 50 kuti tiblankhule zathu za ma ruble 950 ndipo timachulukitsa ndi 100 peresenti. Zotsatira zake, zokolola za pepala lachiwiri ndi 5.26% pachaka. Imatembenuka pepala lachiwiri ndi chiopsezo chofanana kuti mugule chidwi.
Tsopano talingalirani mlandu wachitatu pomwe chitetezo chili ndi coupon, ndipo chimagulitsidwa ndi kuchotsera. Lolani zikhale mgwirizano womwewo, monga momwe koyambirira, ndi kuponi. Koma pa maseta kuti mugule kuti asagule ma ruble 1000 za mwadzina, ndipo kwa ma ruble 950, omwe ali ndi kuchotsera. Ndiye ndalamazo malinga ndi zomwe zingakhale mu ndalama za ma ruble 100 - 50 ndi couble kuphatikiza 50 pobweza kuchokera ku mwadzinja. Timagawa ma ruble 100 pa kukula kwa ma ruble a 950, cell ndi 100% ndipo timapeza ndalama zokhazikika pachaka.
Mitundu ya zomangira
Ndalama ndi mitundu iwiri: boma ndi kampani. Pamawu pamaboma aboma nthawi zambiri amabisa zolipira zawo zomwe zingapitirize kupindula.
Chifukwa chake ngongole zaboma ndi zoletsedwa ndi US Trealuupe zosemphana, zomwe zidaperekedwa m'njira zongopeza ngongole kwakanthawi, mpaka zaka ziwiri, ndikugulitsidwa ndi kuchotsera. Chida ichi, ngakhale chikutsutsidwa, ndi zitsanzo zodalirika ndipo zimawerengedwa kuti ndi zowunikira zomwe mungafufuze. Chifukwa chiyani? Pangokhala chifukwa ngati kuli koyenera, dongosolo losunga feduro limangolemba ndalama zomwe zimafunikira ndikupereka ntchito, monga kale mutu wa Fven Gven Stugngon kamodzi adadula.
Komabe, m'maiko ambiri, ngongole za mayiko zidatha. Mwachitsanzo, m'madera ena ku South America, izi ndi zachinsinsi. Sindinapewe kutenga nawo mbali ngati Russia, pa Maboma, mosasunthika adalengezedwa mu 1998, pomwe msika udagwera ndi GCO - State Banja lalifupi.
Mpaka pano, msika waku Russia wa chitetezo umapereka zomangira za Federal - az. Awa ndi maboma aboma omwe amatha kuwonedwa modalirika. Tsopano zotetezeka za Russia mu digiri imodzi kapena ina zimaperekedwa ndi malo osungirako dzikolo.
Gulu lachiwiri la maulendo - zotetezedwa ndi makampani, kapena otchedwa Corporate. Gawo lino limapereka pepala lazachuma:
- Rosselkhozbank;
- Bank Bank;
- Maluwa;
- Bashneft ndi mabizinesi ena.
Kusiyana pakati pa mgwirizano kuchokera ku zida zina
Ndikofunikira kumvetsetsa izi, mosiyana ndi ma decond a bank, zomangira sizimagwera pansi pa inshuwaransi ya Deposit. Chifukwa chake, woperekayo yekha amalankhula gulu.
Komabe, monga zimachitikira nthawi zonse za ndalama, kuchuluka kwa chiwopsezo kumawonekera pa phindu. Kwa zomangira za federal, ziyenera kukhala zotsika kuposa zosungira ku banki. Ndipo malinga ndi kampani - okwera, komanso kwambiri.