Ngokuchasene nobhubhane kulo nyaka uphelileyo iphumelele ukuba iphumelele kakhulu kwimarike yemali mboleko, eyaseka iirekhodi ezininzi zembali kwaoko, zilandele izibalo zebhanki esembindini. Kunyaka, amaRussia afumana amanqaku ayi-1.7 kwimali mboleko phantse i-4,3 tribles. Ingxelo yangaphambili yowama-2018-ngaphezulu kwe-3 yeeTrintallion ruble.
Ababolekisi babevuswa ekupheleni konyaka, bakhutshwe ngoDisemba 212,500 iimali mboleko nge-560 yezigidi zeerandi.
Ngenxa yoko, ipotifoliyo malibambili beebhanki ekuqaleni kwe-2021 ifikelele kwi-9.07 ye-ruble iruble. Isabelo setyala lemali esenziwe ngemali ngenxa yokukhula kwephothifoliyo ihlile unyaka: ukusuka kwi-0.97 ukuya kwi-0.97 ukuya kwi-0.85% ngoJanuwari kulo nyaka.
Isizathu sochulumanco yayiyinto ebaluleke kakhulu kwirhafu yokubambisa emva kwebhendi ephambili yebhanki (yehle ngaphezulu konyaka ngamanqaku ama-2 eepesenti. Ukuya kuthi ga kwi-4.25%) .25%). Ke, umyinge ophakathi we-avareji okhutshwe ngexesha lenyanga yawa ukusuka kwi-9 ukuya kwi-7.36%. Enyaka, ireyithi ihlaziye ubuncinci bembali izihlandlo ezininzi, ukufikelela ezantsi ngo-Agasti - 7.16%, kodwa ekuweniselekile.
Ukongeza, imfuno yemali mboleko yezindlu yashushulwa yinkqubo yemali mboleko yokhetho kunyaka ophelileyo phantsi kwe-6.5%. Ngokutsho komqhubi wenkqubo, i-DODF, kunyaka ophelileyo iibhanki ezikhutshiwe ezingama-345,600 zemali yenkanyazi ye-rubs, oko kukuthi, phantse iMali-mboleko yesihlanu ikhutshwe ngereyithi ye-STRAT.
Inkqubo yemali mboleko yokhetho yayixhaswa kakhulu kwintengiso, kodwa eyona mali iphambili ekukhuleni kwemakethi yentengiso yenqanaba lalizithengise imali ekhutshiweyo, inyanzelisa umlawuli omncinci kwi-Banking Amanqanaba "Ingcali ra" ka-Catherine Schurichine. Into egciniweyo ichaphazeleka: iyakholelwa: Intlekele kuqoqosho, ukuwa kwenqanaba lokutshintsha kwenkunkuma kunye nokuncitshiswa kwamaxabiso abonise ukuba babe ngabemi babonisa ukuba babe nolwabiwo mali lwemali.
Inkqubo yemali mboleko yokhetho yasungulwa ngo-Epreli 2020 ukuya kuxhasa abaphuhlisi kule ngxaki. Ngaphantsi kweemeko zayo, iqondo lemali alinakudlula kwi-6.5% ngonyaka (ipesenti ethathwe ziibhanki). Esona sixa siphezulu semali mboleko ye-MOSCOW, i-St. Ekuqaleni, inkqubo yayifanele ukugqitywa nge-1 kaNovemba, kodwa emva koko yandiswa de kwangoJulayi 1 kulo nyaka. Kwaye kwiveki ephelileyo "i-interfax" ngokubhekisele kwimithombo yorhulumente kuxele ukuba amagosa axoxa ngokutsha kwenkqubo-kude kube sekupheleni kuka-2021, kodwa ngolungiso. Umzekelo, ingandiswa kuphela kwimimandla ethile, apho ukwakhiwa kwezindlu kukuphuhlisa ukungasebenzi, kutshiwo ngoSihlalo woLwesine weKomiti yeDuma ye-ANAKOV.
Ingxelo yexabiso
Nangona kunjalo, i-Central Bank ikhuphele ingqalelo "Iziphumo ezingafunekiyo" zomboleko kwi-boom yobambiswano kuhlolo "kuphuhliso lwecandelo lebhanki". Okokuqala, kukunyuka kwamaxabiso ezindlu, okutyiwa ubukhulu becala kwizibonelelo ezisezantsi. Ngokwe-Central Bank, kunyaka ophelileyo amaxabiso ezindlu anyuka nge-15,6%. Ukongeza, iibhanki zaqalisa ukukhupha iimali mboleko ezingaphantsi (zingaphantsi kwe-20% yeendleko zezindlu) ngomnikelo wokuqala: ngama-35% akwikota yesithathu yama-202 kwikota yesibini. Kwimakethi eyintloko, apho kusetyenziswa khona inkqubo yokhetho, isabelo semali mboleko enjalo ikhule nangakumbi: ukuya kuthi ga kwi-40% ukusuka kwi-24%. Umthamo ongafakwanga umnikelo ophantsi wegalelo lokuqala inikezelwa kubantu abanomthwalo omkhulu, kunye nendibaniselwano yezi zinto zimbini ngelixa begcina iindleko zokukhula kwezindlu, zinokukhokelela kwi Ukuqokelelwa komngcipheko, kuphawule umphathi wenkxaso yebhanki yeSebe leBhanki yeBhanki ye-Alexander Dalov.
Nangona kunjalo, ngokweenyanga ezilithoba ezingama-200, imali-mboleko yokhetho iqhubeka ingena kwinzuzo kumboleki ngokugada intlawulo yenyanga ne-Schurichichine. Ngokutsho kwayo, kuqikelelwa kwi-ATTAGRATRE APREGRATION eyangoku kwimarike, ixesha kunye negalelo lokuqala lesibonelelo kwi-morfeelial kwi-subbaciety elizayo xa iphela iRussia ngaphezulu kwe-81,000 ye-ruble. . Ngale milinganiselo, ubungakanani bentlawulo yenyanga kwinqanaba elincitshisiweyo lilingana nentlawulo ngaphambi kokunciphisa irhafu kunye nokunyuka kwamaxabiso asebenzayo.
Kodwa ukuhla kwamaxabiso, nokuba kungabikho zibonelelo, kwakubalulekile ukuba kulo wuma imakethi yendawo yokuhlala iya kuphoswa, umphathi omkhulu weqela lamaziko e-ACRERY PAVEEN.
"Asiboni lutshintsho olubalulekileyo kwi-overage chect kunye nentlawulo yentlawulo yeshishini le-Elena Nazareko. Umgangatho wemali mboleko, ngokutsho kwakhe, uhlala uphakamileyo.
Ngaphezulu-kunzima ngakumbi
Kukho ithuba lokuba umbongozo uza kubambisa kulo nyaka, incinci, engathandekiyo. Ukuthathela ingqalelo ukukhawulezisa ukunyuka kwamaxabiso ekuqaleni konyaka, izizathu zokwehla ngaphezulu kwesona sigqibo siphambili kwaye, ngenxa yoko, akukho maxabiso emfuno, athi ukuboleka.
Ukuba inkqubo yobambiso obukhethekileyo iya kugqitywa ngoJulayi 1, kwisiqingatha sesibini sonyaka, kunokwenzeka ukuba silindele ukukhula komndilili wentengiso, ivuma i-schurichichina. Inqanaba elinokwenzeka kwixabiso lemali mboleko kwisiqingatha sokuqala sonyaka yi-7-7,5%, kumzuzwana - 7.5-8%, ithi.
"Amaxabiso anokuhamba malunga ne-0.2-0.3 i-PP kumacala omabini, utshilo uTatyana Ushkov, amaxabiso" apheleleyo ebhankini ". Kodwa ekubeni inqanaba eliphambili likwirekhodi eliphantsi, imakethi yokuqala neyesibini iya kuqhubeka ikhula - ikholelwa malunga ne-5-10%, ikholelwa. UNazarenoko ulindile uzinzo lwesihlobo kunye nentshukumo encinci ezantsi okanye phezulu kuxhomekeke kwimeko yentengiso.
I-hype kwimakethi yemali mboleko kunye notshintsho kwiProjekthi yabaphuhlisi abakhokelele ekunyukeni kweakhawunti e-ESCRO kunyaka ophelileyo. Ngokwe-Central Bank, enyakeni baphakama ukusuka kwi-137 yezigidigidi kwi-1.2 yeediliya i-ruble.
I-Schurichi unako lokukhula kwemarike kuya kuba yinto ephilayo: Inxalenye ebalulekileyo yababolekisi abaza kuthatha imali ephelileyo ngenxa yamaxabiso ahamba-nye, ngelixa ingeniso yengeniso yabantu abatshatileyo. Ukongezwa kwemali mboleko yokhetho kunokukhokelela ekungalingani kwintengiso kwaye kuyayikhathalela, njengoko kunokutsala ababolekisi abakuvuzayo njengemali yokubambisa. Ke ngoko, kwimeko yenkqubela phambili yenkqubo, kuyavakala ukuhlaziya iimeko zayo, umzekelo, ukonyusa umrhumo wokuqala, uShchurichichina angavumi.