Ochwepheshe abaningana ngokwesiko ngaphambi konyaka omusha babikezele ukuwa kwedola. Kepha akubona bonke abantu abavumelana nalesi sikhundla. Uzokwakhiwa kanjani izifundo zemali ngemuva kwamaholide engxoxweni nge-bankiros.ru etshele umhlaziyeli we-qbf umhlaziyi Ksenia Lapshin.
Ngabe amadola azobiza malini ngemuva konyaka omusha?Njengoba kunikezwe ukuguquguquka okuphezulu emakethe yokushintshaniswa kwamanye amazwe, kungaba yinkinga yokubiza izifundo ngqo. Noma kunjalo, izinto eziningi zingahlukaniswa ezizothinta imali yasekhaya, bese ziqamba uhla olulinganisiwe. Okokuqala, i-ruble izosabela esimweni emakethe yamafutha. Ngokufanelekile enkambweni ye-ruble izothinta ukukhuphuka kancane kancane kwesidingo sezingcaphuno zamafutha nezilinganiso zamafutha uma kugonywa kuzophumelela futhi kuzokwazi ukumisa ubhubhane nakho. Ngokuhlangana okuhle, imakethe yaseRussia kanye nemali yaseRussia kuzokhanga abangewona abahlali, okungavusa ukuqiniswa kwe-ruble. Futhi amanani emali azoncika ezinhlelweni zamabhange aphakathi, umthamo wokukhuthaza imali kanye nezinga lokubheja okusemqoka e-Eurozone, e-USA kanye neRussia Federation.
Okubi kwe-ruble kungaba ukuqalisa kabusha kwe-rhetoric rhetoric ye-United States maqondana neRussia ngemuva kokuvulwa kukaJoe Bayden. Isazi sikholwa ukuthi ezinyangeni zokuqala ezi-1-2 zika-2021, idola lizoba ohlwini lwama-ruble angama-70-75. Ukwehla okungezansi kungama-ruble angama-70 akunakwenzeka, ngoba ngezinhloso zombuso kanye nabathengisi abathumela ngaphandle ukuze balondoloze i-ruble ebuthaka ngokulingene. I-euro ekuqaleni kuka-2021 izoshintsha uhla oluncane lwama-ruble angama-88-90.
Uma ufisa, uthenge imali ngokonga lapho kungcono ukuya e-exchanger ngaphambi noma ngemuva konyaka omusha?Ngamaholide oNyaka oMusha uvame ukushicilela izindaba futhi zenzeka izimo ezingashintsha kakhulu isimo emakethe. Ngenkathi abatshalizimali bephumula embuthanweni womndeni nabangane, izitayela zonyaka olandelayo zizalwa ezimakethe. Uma uthenga amafa manje, ngenyanga, ukuthenga kungadlala ihlaya elibi nomtshalizimali. Kungakho ekugcineni kwanoma yisiphi isikhathi, kungaba inyanga, ikota noma ngonyaka, abatshalizimali bakhetha, kunalokho, ukuze bavale izikhundla, futhi bangazitholi. Kungashiwo okufanayo ngemali.
Yini ezothinta isilinganiso se-ruble ezinyangeni ezimbalwa ezizayo?Ukuthenga imali yokonga nokutshalwa kwezimali kunengqondo kuphela ngokuhamba kwesikhathi, ngoba akekho ovikelekile ngokushintshana kwesikhashana ezifundweni zemali. Emakethe yokushintshaniswa kwamanye amazwe, ukuguquguquka okuphezulu kuvame ukubonwa. Uma umtshalizimali ehlose ngokuqinile ukuguqula ukonga ama-ruble ezinyangeni eziyisithupha, kungahle kubuyele enkabeni ebincishwe amathuba futhi kuhlale ku-minus. Kepha emthonjeni omude, ukonga imali kungaletha imali enhle, ikakhulukazi ngokutshalwa kwemali okwengeziwe kwamadola ekufezeni.