Nei zvisingaiti kudzima chikwereti pamberi pehurongwa: Nyanzvi yakanyevera nezve njodzi

Mubhangi repakati rakaverengerwa kuti maRussia akwereta anopfuura makumi maviri ematani anokwira kumabhangi. Panguva imwecheteyo, vagari vanoshingairira kubhadhara zvikwereti pamberi pehurongwa. Nekudaro, mune yechitatu kota yekare, zvikwereti zvemari zvakavharwa ne524.8 mabhiriyoni anobhururuka, ndeipi chinyorwa kubva 2018. Semutemo, kubhadhara zvikwereti pamberi pehurongwa - zvinobatsira, asi kune zviitiko zviripi zvinokwanisa kukonzera matambudziko, taura "nharo uye chokwadi".

Chikwereti chitsva panzvimbo yekare

Kazhinji vanokwereta vanotora chikwereti chitsva kuti ubate nezvikwereti zviripo. Maererano nevanyori, vanhu vanotsaukira kune microloan kana makadhi echikwereti. Izvo zvakakosha kufunga kuti kuwanda kwekuwanda kuchave kwakakura kupfuura huwandu hwekubhadhara kwekutanga.

Semuenzaniso, kana chiyero chechikwereti paavhareji ndeye 10-12% pagore, uye pane kiredhiti kadhi - 20-30% pagore, microloans anogona kusvika kusvika kusvika 365% pagore.

Akasvibiswa nhoroondo nhoroondo

Imwe njodzi inosanganiswa nenhoroondo yezvikwereti. Icho chokwadi ndechekuti sangano remari kana uchiburitsa chikwereti chiri kuverenga pane kubhadhara purogiramu uye kuronga kugoverwa kwekugovera uye pamwedzi kubhadhara. Kana iye anokwereta achibhadhara mari yekubhadhara, bhangi rakanyimwa purofiti kubva mukufarira uye rinofanira kushandisa nekukurumidza mari iyi.

"Munhoroondo yeChikwereti, Kubhadhara Kwemangwanani-ngwanani kunopesvedzera zvisina kunaka. Mune ramangwana, iye anokwereta anogona kuramba chikwereti chechikwereti, sezvo bhanga racho harugamuchire purofiti kubva kumutengi, "nyanzvi yeRushumiro hweRussia chirongwa chePurinance yakayambirwa naHirina Zhigina.

Mukuwedzera, zvinokwanisika kurasikirwa neisina-diki mari kana tikadzorera chikwereti pamberi penguva panopera nguva yechikwereti. Pane kusapindirana, kana mumakore ekutanga kutsiva chikwereti pamberi pehurongwa, bhangi rinodzokorora kufarira, zvinoreva kuti kuwanda kuchaderera pavari.

Izvo zvibodzwa zvinoda kutarisisa

Chekutanga pane zvese, zvakafanira kujekesa zuva rekubhadhara kubhadhara, Zhigina anodaro, sezvo raive riri pazuva rekubhadhara rinotevera kuti iwane kubhadhara chikwereti pamberi pehurongwa. Kana iwe ukazviita gare gare, ipapo iyo yakazotorwa kufarira pamazuva mashanu kutanga uye chete iyo yakasara mari ichaenda kune yekutanga kubhadhara.

Zvakakoshawo kuyeuka kuti maererano nemutemo zvinokwanisika kudzorera chikwereti pamberi pehurongwa, uye panguva imwe chete kwete kubhadhara komisheni. Asi pane zvimwe zvinopiswa pano. Semuenzaniso, chinhu chinogona kutsanangurwa mubhangi nebhangi, zvichienderana neizvo mutengi anosungirwa kuzivisa bhangi pane yekutanga kubhadhara kwechikwereti kwevhiki kana zvimwe.

Uye mumwezve anotonyanya kukosha mutemo: Mushure mekunge chikwereti chakavharwa, iwe unofanirwa kutora gwaro rekusimbisa kubva kubhengi. Iyo ichadzivirira mutengi kubva kune dzakasiyana siyana mabhangi zvikanganiso kana dzoka dzevamwe "dzakakanganwika" muzana rinotanga kuuya.

Zvii zviito zvinogona kungokuvadza chete

Zhigina haayiri kuraira kuonana ne "makambani ane mbiri" anovimbisa chikwereti. Kazhinji, mafiramu aya anoda kuti mabasa avo kubva zviuru zana, asi mhedzisiro ndeye zero.

"Vashandi vekambani vanoenda kudare vachimiririra mutengi, uye kazhinji chivanze chinowira parutivi rwebhangi. Kambani yepamutemo haidzore mubhadharo wemasevhisi aro, uye chikwereti chacho chasara, "nyanzvi yacho yakatsanangurwa.

Yeuka kuti kubva munaJanuary 10, mutemo unopinda muchiremera muRussia, izvo zvinosanganisira kuwedzera kutonga pamusoro pekufamba kwevatorwa nyika.