Akonzi a Bankroos.ru akufotokozera mwachidule chaka chotuluka. Tsopano tinena za zosintha zachuma zomwe zidachitika miyezi 12 ndikuwonetsa pa chuma chadzikoli komanso ma pillet a ku Russia.
Coronacrisris: Kuyambira
Mu Januware kale, anali kudziwa za kachilombo ka China Kosadziwika, Wosangalatsa China. Komabe, ngakhale anali kutali, nthabwala zokha pa intaneti. Sikuti nzika zonse zomwe zimamvetsetsa momwe zinthu zilili, ndipo ena samvetsa mpaka pano. Komabe, analinso iwo omwe amalimbana ndi zinthu zonse m'mashelufu, kuphatikiza mchere ndi pasitala.
Matenda atsopano, olekanitsidwa mofulumira ndi dziko lapansi, yikani chuma ndi kupanga "pa liwiro". Woyamba anachitika ndi misika ya hydrocarbon ndi ndalama za mayiko omwe akutukuka kumene ruble ndi. Mafuta adagwa pamtengo pansipa $ 20 pa mbiya, ndipo tsiku limodzi zamtsogolo, ndipo nthawi imodzi zatsala pang'ono kukhala pamtengo wolakwika: Otsatsa, sadziwa komwe angapangitse - malo osungiramo onse anali otsekera. Chifukwa chake, adapatsidwa "chifukwa chotero", nawonso amachotsedwa pamwambapa kuti atenge.
Izi zidawononga makampani angapo aku America, ndipo opera + adayeneranso kukhala patebulo la zokambirana ndikukopa mayiko ena kuti afotokoze. Tsopano mafuta amabwezeretsa udindo wake, ndipo oyang'anira pakati pa akatswiri anenera mu 2021 Madola A US A US ALIYENSE A BONDING BENDIAN AMBONI. Kodi zowonetsera zenizeni zidzachitika? Zikuwonetsa nthawi. Tsopano tsopano zimatengera kuti makonzedwe atsopano aku America adzachotsa kwa ogwira ntchito payekha. Ngati inde, misika imatha kuphwanya mafuta osavomerezeka. Komabe, zinthu sizikhala zakanthawi, zidzapereka zopereka zoipa.
Kusintha ruble
Kuti dollar ya chaka chamawa idagwa ndi 20%. Mpaka euro - pofika 30%. Iwo omwe adakwanitsa kugula "azungu" ndi "aku America" kumayambiriro kwa chaka. Iwo omwe kale adamasulira ma ruble a ruble omwe ali ndi golide wagolide adapezeka kuti ali pa Golden Kon. Ndalama yodziwika bwino kwambiri ya Russia ya Georgy Victoronec idayamba mtengo wa pafupifupi kawiri. Ndipo komabe sizigwa.
Koma zokolola zowopsa kwambiri zidawonetsa Cryptombucy. Kuchuluka kwa mafuta a bitcoin madzulo pa Disembala 30, 2020, malinga ndi ma dearoros.ru, kuli pafupifupi madola 28,000. Kachiwiri, kugulitsa ndalama mu ndalamayo kunakhala ngati munthu wamba salalnic maakaunti a palladium.
Chosangalatsa ndichakuti, chaka chino, monga gawo lothandizidwa ndi chuma chake, malo omwe US Federal adasindikizidwa angapo madola. Ndalama zoperekedwa kwa anthu kuti anthu azitha kukhala ndi moyo wokhoma ndi kuwononga makampani mu ntchito. Nthawi yomweyo, dollar idafunsa, koma sanagwa.
Mkati mwa maziko a kusatsimikizika kwa dziko lapansi, osunga madola amagula madola, ndikunyamuka m'malo oteteza ndipo mwachangu amakhala ndi ndalama zowopsa m'maiko omwe akutukuka kumene. Monga momwe tanthauzo - dola lidalipo misewu, ntchoro ndi yofooka.
Kugulitsa ndi kupezeka kwa msonkho wapadera
Chapakatikati pachaka chino, pomwe pali mliri womwe udafika ku Russia, Purezidenti Vladimir Punin adasangalatsa kangapo ku mtunduwo. Poyamba, mutu wa boma unatumiza Russia kukhala kunyumba, kenako mikodzo ya chilengedwe chonse idafikira mwezi wina.Kudzaza zotayika za bajeti zomwe zidayamba chifukwa cha kugwa mitengo yamafuta, kufunikira kothandizira bizinesi, odzilemba okha, osagwira ntchito ndi mabanja ndi ana, madin adalengeza za njira zingapo msonkho nthawi imodzi.
Kuyambitsa kwakhala anthu oyamba komanso osangalatsa. Zoyambira zinali msonkho (kuyambira 2021, ma rubls a 13% adzalandira chiwongola dzanja cha 42,5 (kuchokera kuzomwe zimasungidwa Chotsani zitsulo za miliyoni miliyoni ndi kubetcha kofunikira pa Januware 1 mwa zaka zambiri). Nthawi yomweyo, msonkho sudzatengedwa kuchokera ku zosonkhana, koma kunenedwa ndi mabanki.
Nkhaniyi idadzetsa mavuto pakati pa anthu, zomwe zidachitika, tinena pambuyo pake.
Njira yachiwiri idakhala yophulika ndi 15% kwa iwo omwe amapereka ma ruble oposa 5 miliyoni pachaka. Ndalama zomwe zimapezeka pamtengowu zidzasangalatsidwa ndi msonkho wowonjezera.
Chofunika china, chomwe sichinthu chofunikira kwa nzika wamba, koma ndizofunikira kuti dziko la dziko likhale lopanda ndalama. Purezidenti adakweza msonkho kwa okhala komanso osakhalamo, omwe amabweretsa ndalama kudzera ku Kupro ndi mayiko ena amadziwika ndi misonkho yochepa.
HILIKOTUT YA
Nyumba zonse zitagwetsedwa, ndalama m'matumba a ku Russia zidayamba mwachangu. Yemwe sanachotsere (kwa iwo omwe adachotsedwa ntchito, phindu laudalitso lidachotsedwa mu malipiro ocheperako achigawo), otumizidwa kutchuthi kapena malipiro akutali. Izi zidadzetsa zovuta kwambiri kuposa kukhazikitsidwa kwa ma cubes a ma code ndi chindapusa chophwanya lamulo lapadera lokhazikitsidwa m'madera ambiri.
Maiko ena atangothandiza nzika zawo zachuma, anthu aku Russia adayamba kupemphedwa ndi cholinga chogawa ndalama kwa anthu. Akatswiri ndi akatswiri a anthu omwe amathandizidwa: aulesi okha omwe sananene kuti "kukwera mu cube" - kuti atsegule thumba ladziko lonse komanso kugawana ndi Russian.
Nthawi yomweyo, agogoda kuchokera kutsutsidwa, boma ndi banki yapakati idatsutsa kufalitsa "Ndalama Zauliritsopita" - The Sernasensir wosalamulirika kwa aliyense komanso monga choncho.
Ndipo kenako Vladimir Punin anaganiza zolipira mabanja onse kuyambira zaka zitatu mpaka 16 za ma ruble 10,000. Patatha mwezi umodzi, tranche ankabwerezanso, nthawi ino makolo a ana kuyambira 0 mpaka 16 anali pakati pa omwe anali ndi mwayi. Ndalamazo zidalipira molingana ndi mawu omwe ali ndi vuto la boma. Ndalama zomwe mabanja sizinaganizire.
Sikuti anthu onse aku Rusto sanalabadire pazabwino izi. Ambiri adakulirakulira. Makamaka, ambiri adawonetsa zoyipa zomwe zingachitike m'ndende zaka, ndikufunsa m'magulu ochezera: "Ndipo ana akadzapempha ana 16?".
Mu Ogasiti, anthunso adadabwanso: Kodi galimoto yachitatu ilipira? Zambiri zopempha za adilesi ya Purezidenti yofuna kulipira ndalama 10,000 kuti atengenso ana kusukulu, osayankhidwa.
Boma linakuzungulira kuti anthu azikhala ndalama zolipiridwa: Apita kukawononga ndalamazo, masitolo zovala, zomwe zingayende bwino ndi mavutowo. Dongosolo silinagwire ntchito. Pamene ziwerengero zawonetsa, ndalamazi zimalembedwanso "kwa tsiku lakuda" kapena kugwiritsidwa ntchito m'malo amenewo sizinakhudze gawo lililonse.
Mwa njira, tchuthi cha Chaka Chatsopano chisanachitike, makolo ndi oyang'anira ana mpaka zaka zisanu ndi ziwiri, mosasamala kanthu za ndalama analandira tranche ina - ma ruble zikwi zisanu, zomwe zinadzetsa chidwi ndi iwo omwe sanasangalale nazo.
Timatenga madipodi: Mudanyamula kuti ndalama
Chaka chinakumana ndi tsoka kwa iwo omwe akukhala munjira yosungirako - amakonda kupulumutsa ndi kuchedwetsa kugula, koma osatenga ngongole. Kubweza banki kunayamba kuchepa. Ngati pa Januware 1, 2020, gawo lofunikira la bank of Russia linali 6.25% pachaka, ndiye mu 2021 chithunzi chija chikulowa, kutaya awiri a pawiri - 4.25%.
Tsopano zoperekazo zili pamlingo woposa 4% pachaka - china chake kuchokera kudera labodza. M'malo mwake, muyenera kukwaniritsa zingapo, mwachitsanzo, kuti mugwiritse ntchito ndalama zambiri, musabwezeretse zinthuzo kwa nthawi kapena kuchepetsedwa gawo la ndalama pa IIS kapena inshuwaransi yochulukirapo.
Pankhaniyi, kukwera mtengo kwa 2020 kuyenera kukhala wamkulu kuposa khumi ndi aniam. Chifukwa chake, ogwiritsa ntchito zopereka ruble chaka chino sanakhalebe pafupifupi kanthu.
Anthu anamvetsetsa izi nthawi yomweyo, ndipo anayamba kupeza ndalama m'masiku oyambilira a pafupipafupi - akangolengeza msonkho padongosolo. Ena amafuna kuchedwetsa kuchuluka kwa pilo chokhala pano ndipo tsopano, ena amafunafuna njira zina.
Ndalama zambiri zinawuluka ku nkhani za Eskrow. Kuwerengera m'maganizo, nyumbayo ndi ndalama zingati pagawo la dzenjelo, ndipo kuchuluka kwa momwe zingagulitsidwe kale m'matangati omalizidwa, nzika zambiri zidakhazikitsidwa m'malo ogulitsa nyumba. Kuchuluka kwa kuchuluka kwa nyumba komanso pulogalamu ya boma yanyumba yokongoletsedwa pamsika: Pakutha kwa chaka, mitengo ya nyumba ya nyumba yanyumba yalumpha kwambiri.
Ogwira ena osungitsa amakhala pamadongosolo, kutaya ntchito. Chachitatu adapita kwa ogulitsa. Chiwerengero chotsegulira II chaka chino chaka chino chimaphwanya zolemba zonse. Pofuna ku zipatso zina, nzika zimayamba kugula zinthu zogulitsa m'mabanki omwewo. Vutoli lidachokera komwe sanadikire. Pamapeto pa chaka, powona momwe anthu angati amawotchedwa pazithunzi zosadziwika, kenako ndikudandaula za banki yayikulu ya Russian, yemwe a Resolator adafunsidwa kuti achepetse ndalama zogulitsa madipatimenti a mabanki ndi kampani. Kodi bizinesi imatuluka bwanji mkhalidwe uno - zidzadziwika kokha mu kubweranso 2021.
Mwachidule
Pachuma onse padziko lonse lapansi, chaka chinali choyipa. Zoyipa kwambiri. Mavuto osakhala ndalama pafupifupi adabisala misika ya Hydrocarbon, malonda opanga ndi mafakitale angapo. M'maso panali Kampani ya Willel ndi kutumiza. Kwa 2020 lomaliza, zidakhala malo agolide.
Mwa zabwino, mayiko angapo adakhazikitsa kale katemera wamkulu kwa Coronavirus, omwe amachititsa chidwi kuti abwezeretse chuma padziko lonse lapansi. Zoyenera m'misika imangothiridwa ndikuthira pachiwopsezo ndi chidwi chopanga chuma chambiri ku Russia ndi. Kuchokera pachiwopsezo chadziko lonse lapansi chakhalabe - kusinthana kwatsopano kwa America ndi mikangano pafupi ndi malire.
Akatswiri olimba mtima kwambiri amaneneratu kulimbikitsidwa kwa ruble pakati pa 2021, omwe adzatsatire nthawi yomweyo kuti achulukitse mitengo yamafuta. Kaya kuneneratu chidzakwaniritsidwa - palibe amene anganene molimba mtima. Monga tawonera 2020 - chilichonse chitha kusintha nthawi ina.