Chifukwa chiyani ndizosatheka kuzimitsa ngongole patsogolo pa Nite: Katswiri wachenjeza za zoopsa

Ku Bank of Central Bank kuwerengetsa kuti anthu aku Russia anali ndi ngongole zoposa 20 thililiyoni kumabanki. Nthawi yomweyo, nzika zimangobwezerako ngongolezo. Chifukwa chake, gawo lachitatu lakale, ngongole zanyumba zidatsekedwa ndi ma ruble 524.8, omwe ndi mbiri kuyambira 2018. Monga lamulo, kulipira ngongole patsogolo pa dongosolo - kopindulitsa, koma pali zochitika zomwe zingayambitse mavuto, nenani "zonena".

Ngongole Yatsopano M'malo Okalamba

Nthawi zambiri obwereketsa amatenga ngongole yatsopano kuthana ndi ngongole zomwe zilipo. Malinga ndi kafukufuku, anthu amasintha microovoans kapena makhadi a ngongole. Ndikofunika kuilingalira kuti kuchuluka kochulukirapo kudzakhala kwakukulu kuposa kuchuluka kwa kubweza koyambirira.

Mwachitsanzo, ngati ngongole yobwereketsa ndi 10-12% pachaka, ndiye pa kirediti kadi - 20-30% pachaka, microovoans imatha kufikira 365% pachaka.

Mbiri Yakalembedwe

Chiwopsezo china chimalumikizidwa ndi mbiri yakale. Chowonadi ndi chakuti bungwe la zachuma likapereka ngongole ndikuwerengera zolipira pa ndandanda ndikupanga kugawa chidwi ndi kulipira pamwezi. Ngati wobwereketsa amachita nkhokwe yoyamba, bankiyo imalandidwa phindu ndi chiwongola dzanja ndipo iyenera kugwiritsa ntchito izi mwachangu.

Mbiri yakale, kubweza kwamasiku ano kumachitika molakwika. M'tsogolomu, wobwerekayo angakane ngongole yobweza, chifukwa bankiyo sidzalandira phindu kuchokera kwa kasitomala, "kanthawi ka Utumiki waku Russia cholonjezedwa ndi Irina Zhigina.

Kuphatikiza apo, ndizotheka kutaya ndalama zosacheperako ngati tibwezera ngongole isanakwane. M'malo mwake, ngati zaka zoyambirira kubweza ngongoleyo, zomwe zimatanthawuza kuti zochulukirapo zidzachepa.

Tsatanetsatane ati omwe tiyenera kumvetsera

Choyamba, ndikofunikira kufotokozera tsiku lolipira ndalama, Zhigina akuti, chifukwa linali tsiku lotsatira lomwe likulipira ngongole patsogolo pa ndandanda. Ngati mungachite pambuyo pake, ndiye chidwi cha masiku asanuwa choyamba ndi ndalama zotsalazo poyamba zomwe zingabwezeretse koyambirira.

Ndikofunikanso kukumbukira kuti malinga ndi Lamulo ndizotheka kubweza ngongoleyo isanachitike, ndipo nthawi yomweyo musabweze ntchitoyi. Koma pali zina zobisika pano. Mwachitsanzo, chinthu chitha kufotokozedwa kubanki ndi banki, malinga ndi zomwe kasitomala amakakamizidwa kudziwitsa bankiyo kubweza kwa sabata kapena kupitilira.

Ndipo lamulo lina lofunikanso: Ngongole ikatsekedwa, muyenera kutenga chikalata chotsimikizira kubanki. Idzateteza kasitomala kuchokera ku zolakwa zosiyanasiyana za banki akamafuna za mapelaneti ena "Oiwalika Amayamba Kubwera.

Ndi zinthu ziti zomwe zingavulaze

Zhigigina samalangiza kuti makampani "okayikira a" okayikira "osiyanasiyana amene amalonjeza ngongole. Nthawi zambiri, makampaniwa amafunikira ntchito zawo ma ruble 100,000, koma zotsatira zake ndi zero.

"Ogwira ntchito a kampaniyo amapita kukhothi m'malo mwa kasitomala, ndipo nthawi zambiri khotilo lidagwera ku banki. Kampani yovomerezeka siyibweza ndalama za ntchito zake, ndipo ngongole idakalipobe.

Kumbukirani kuti kuchokera pa Januwari 10, Malamulo amalowa m'malo ku Russia, yomwe imaphatikizapo kuyendetsa bwino kwambiri poyendetsa mayiko akunja a ku Russia.