Kwi-Central Bhanki ibala into yokuba amaRussia ayenetyala elingaphezulu kwe-20 leedola kwiibhanki. Kwangelo xesha, abemi bayabolekisa iimali mboleko phambili kwishedyuli. Ke, kwikota yesithathu yexesha elidlulileyo, iimboleko zemali mboleko zavalwa ziibhiliyoni ezingama-524.8 zeebhiliyoni, ezirekhodiweyo ukusukela ngo-2018. Njengommiselo, ukuhlawula imali mboleko ngaphambi kweshedyuli - ingeniso, kodwa kukho iimeko apho kunokubangela iingxaki, zinike ingxelo ".
Imali mboleko entsha endaweni yakudalaAbabukeli bahlala imali mboleko entsha yokuhlangabezana namatyala akhoyo. Ngokutsho kwabahlalutyi, abantu baphesheya kwii-roans okanye amakhadi etyala. Kufanelekile ukuba uqaphele ukuba imali engaphezulu iya kuba nkulu kunexabiso lokuhlawulwa kwangoko.
Umzekelo, ukuba ireyithi yemali mboleko kwi-10-12% ngonyaka, emva koko kwikhadi letyala - 20-30% ngonyaka, amantshontsho anokufikelela kwi-365% ngonyaka.
Imbali yeTyalaOmnye umngcipheko unxulunyaniswa nembali yamatyala. Inyani yile yokuba umbutho wezemali xa ukhupha imali mboleko ubala ngentlawulo kwishedyuli kunye nezicwangciso zokuhanjiswa kwenzala kunye neentlawulo zenyanga. Ukuba umntu obolekayo wenza intlawulo kwangoko, ibhanki ihluthwa inzuzo evela kwinzala kwaye kufuneka isebenzise ngokungxamisekileyo le mali.
"Kwimbali yetyala, ukuhlawula rhoqo kuphenjelelwa kakubi. Kwixa elizayo, obolekayo banokwala ukukhutshwa kwemali mboleko, kuba iBhanki ayiyi kufumana inzuzo kumthengi, "Ingcali yeMphathiswa Wezeemali iProjekthi yezeMali yalumkiswa nguIrigina.Ukongeza, kunokwenzeka ukuba uphulukane nexabiso elingenasincinci ukuba siyayibuyisa imali-mboleko ngaphambi kwexesha lokuthenga ngetyala. Ngokuchasene noko, ukuba kwiminyaka yokuqala yokuhlawula imboleko-mali ngaphambi kweshedyuli, iBhanki iphinde yafumana inzala, oko kuthetha ukuba kuya kuncipha okungaphezulu.
Zeziphi iinkcukacha ezifuna ukunikela ingqaleloOkokuqala, kuyimfuneko ukucacisa umhla wentlawulo sentlawulo, Zhigina uthi, ekubeni kaloku ngomhla intlawulo elandelayo ukuba kukulungele kanye ukuba ahlawule ngaphambi amboleke kwishedyuli. Ukuba uyayenza kamva, emva koko inzala eqokelelweyo kule ntsuku mihlanu kuqala kwaye kuphela kwesixa esiseleyo esiya kwimali yokuqala.
Kukufanelekile ukukhumbula ukuba ngokomthetho kunokwenzeka ukuba ihlawule imali mboleko ngaphambi kweshedyuli, kwaye kwangaxeshanye ungabhatali ikhomishini. Kodwa kukho amanqatha apha. Umzekelo, into inokuchazwa ebhankini kunye nebhanki, ngokomthengi onyanzelekileyo ukuba azise ibhanki kwimali mboleko yeveki okanye ngaphezulu.
Kwaye omnye umgaqo obaluleke ngakumbi: Emva kwemali mboleko ivaliwe, kufuneka uthathe uxwebhu lokuqinisekisa kwiBhanki. Iya kukhusela umthengi kwiimpazamo ezahlukeneyo zebhanki xa ibiza malunga neepesenti ezithile "ezityelweyo" ziqala ukuza.
Manyathelo mani anokwenzakalisa kuphelaUZhigina akacebise ukuba aqhagamshelo kwiinkampani "ezingathethekiyo" ezahlukeneyo ezithembisa amatyala. Uninzi lwazo, ezi femu zifuna iinkonzo zazo ukusuka kwi-100 lamawaka ruble, kodwa isiphumo se-zero.
"Abasebenzi benkampani baya enkundleni egameni lomthengi, kwaye uninzi lwenkundla luwela ecaleni lebhanki. Inkampani yezomthetho ayibuyisi mrhumo weenkonzo zayo, kwaye ityala lisasele, "Ingcali icacisiwe.Khumbula ukuba ukusukela nge-10 kaJanuwari, umthetho ungena kwi-Russia, ebandakanya ukulawula ngakumbi ekuhambeni kwamanye amazwe abantu baseRussia.