Lachitatu la ma free mana silingakonzekere ngongole, akatswiri amati. Zifukwa zazikuluzikulu: kusowa kwa ntchito yovomerezeka komanso ndalama zochepa. Akatswiri adauza momwe akatswiri akunja amabwerera ngongole.
"Ma Freencers, monga lamulo, yesetsani kugwira ntchito mwachangu kapena opangidwa kukhala odzilemba okha. Poyamba, aulesi sangatsimikizire ndalama zokhazikika komanso ntchito zomwe zimalembedwa - ndiye kuti, thandizo la 2-dff ndi mbiri yolembedwa. Chifukwa chake, ndizovuta kwambiri kuti muvomereze ngongole yanyumba, ndipo ngakhale munjira yabwino, mabanki amagwiritsa ntchito kuwonjezeka. Odzilemba okha pakali pano amawona mabanki anayi okha. Kwa iwo kuli zinthu zakale kwa arnov, oyambitsa co-oyambitsa ndi kuyang'anira mnzake wa ntchito zokana ngongole yanyumba yoyatsira.
"Njira yokhayo yaufulu yomwe imafuna kuti athe kupeza ngongole ndikugwiritsa ntchito ip kapena kukhala odzilemba okha. Nthawi yomweyo, musanapemphe ngongole, ip iyenera kukhalapo osachepera chaka, komanso malinga ndi zofuna za mabanki ena - zaka ziwiri. Ndikofunikira kupereka satifiketi yolembetsa (kuphatikizidwa) kwa munthu ngati wokhomera msonkho (msonkho pa kafukufuku) ndi satifiketi yazomwe amapeza, pomwe ayenera kukhala osachepera miyezi isanu ndi umodzi. , "akutero Carcutal of the Weency Recyncy akuti" Bon Ton.
Malinga ndi ofufuza kampani yofunsira PWC, 64% ya ma botian amapereka ma ruble ochepera 30,000 pamwezi, 17% - mpaka ma ruble 60,000. Monga kafukufukuyu amaneneratu, pofika 2025, kuchuluka kwa mafalati kudzawonjezeka ndi kawiri.
"Banks ena amapereka ngongole yaulere m'makalata awiri. Popanda chitsimikiziro cha Chuma. Koma ngakhale pankhaniyi, chikalata chovomerezeka pantchito chimafunikira osachepera malipiro ang'onoang'ono. Ndiye kuti, kutchula mlandu wovomerezeka monga wolemba ntchito angafunike. Zopereka zoyambirira ndizochepera 30%. Pali njira inanso, ufulu wanyumbayo ukhoza kubwereketsa limodzi ndi munthu yemwe ali ndi ndalama zokhazikika komanso kulowa kwakale muundula, "akatswiri a bungwe la bungwe lotchedwa Estate" akuti.
Komabe, monga akatswiri amadziwika, kuchuluka kwa ngongole pa zikalata ziwiri m'mabanki angapo pamwamba 1-2%. Nthawi yomweyo m'mabanki ena palibe chithandizo cha boma.
