Kungani kungenzeki ukucisha imali mboleko ngaphambi kwesheduli: Isazi saxwayisa ngezingozi

Ebhange eliphakathi kubalwe ukuthi amaRussia akweleta ama-ruble angaphezu kwezigidi ezingama-20 emabhange. Ngasikhathi sinye, izakhamizi zibuyisela ngenkuthalo imali mboleko ngaphambi kohlelo. Ngakho-ke, kwikota yesithathu yesikhathi esedlule, imali mboleko yempahla ebanjiswayo yavalwa ngama-ruble angama-524.8 billion, okuyirekhodi kusukela ngo-2018. Njengomthetho, ukukhokha imalimboleko ngaphambi kwesheduli - kunenzuzo, kepha kunezimo lapho kungadala khona izinkinga, bika "ukuphikisana".

Imalimboleko entsha esikhundleni sakudala

Imvamisa ababolekisi bathatha imali mboleko entsha ukuze babhekane nezikweletu ezikhona. Ngokusho kwabahlaziyi, abantu baphendukela kuma-microloloans noma amakhadi wesikweletu. Kuyafaneleka ukubheka ukuthi ukweqiwa kwemali kuzoba kukhulu kunenani lokukhokha kusenesikhathi.

Isibonelo, uma isilinganiso semalimboleko ngokwesilinganiso singu-10-12% ngonyaka, bese ekhadini lesikweletu - ama-20-30% ngonyaka, ama-microloan angafinyelela kuma-365% ngonyaka.

Umlando Wezikweletu Ochithiwe

Enye ingozi ihambisana nomlando wesikweletu. Iqiniso ngukuthi inhlangano yezezimali lapho ukhipha imalimboleko ebalwa ekukhokheni ohlelweni futhi kuhlela ukusatshalaliswa kwenzalo kanye nezinkokhelo zanyanga zonke. Uma obolekayo enza imali ekhokhelwa kusenesikhathi, ibhange lincishwa inzuzo kusuka kwinzalo futhi kufanele lisebenzise le mali ngokushesha.

"Emlandweni wesikweletu, ukukhokha kaningi kusenesikhathi kuthonywa kabi. Ngokuzayo, obolekayo anqabe ukukhishwa kwemalimboleko, ngoba ibhange ngeke lithole inzuzo kwiklayenti, "uchwepheshe woMnyango Wezezimali waseRussia wezezimali waxwayiswa ngu-Irina Zhigina.

Ngaphezu kwalokho, kungenzeka ukulahlekelwa yimali engeyona encane uma sikhokha imali mboleko ngaphambi kwesikhathi ekugcineni kwesikhathi sesikweletu. Ngokuphambene nalokho, uma eminyakeni yokuqala yokukhokha imali mboleko ngaphambi kohlelo, iBhangengodla liphinda libe nentshisekelo, okusho ukuthi ukweqiwa kuzokwehla.

Imiphi imininingwane edinga ukunaka

Okokuqala, kuyadingeka ukucacisa usuku lokukhokhwa kwemali ekhokhwayo, uZhigina uthi, ngoba bekulosuku lokukhokha okulandelayo okuzuzisa kakhulu ukukhokha imali mboleko ngaphambi kohlelo. Uma ukwenze ngokuhamba kwesikhathi, khona-ke intshisekelo eqokiwe kulezi zinsuku ezinhlanu kuqala futhi kuphela inani elisele elizoya ekukhokheni kusenesikhathi.

Kuhle futhi ukukhumbula lokho ngokomthetho kungenzeka ukuthi ukhokhe imali mboleko ngaphambi kohlelo, futhi ngasikhathi sinye hhayi ukukhokha ikhomishini. Kepha kukhona okucashile lapha. Isibonelo, into ingacaciswa ebhange ngebhange, ngokusho kwalo iklayenti libophekile ukuba likwazise ibhange ekukhokheni kokuqala kwemali mboleko yesonto noma ngaphezulu.

Futhi umthetho owodwa obaluleke kakhulu: Ngemuva kokuthi imali mboleko ivaliwe, udinga ukuthatha idokhumenti yokuqinisekisa evela ebhange. Kuzovikela iklayenti kumaphesenti ahlukahlukene asebhange lapho amaphesenti "athile" okhohliwe "aqala ukuza.

Yiziphi izenzo ezingalimaza kuphela

UZhigina akayethuli ukuxhumana nezinkampani "ezingaba" ezahlukahlukene ezithembisa isikweletu. Imvamisa, la mafemu adinga izinsizakalo zawo kusuka kuma-ruble ayizinkulungwane eziyikhulu, kepha umphumela ungowero.

"Abasebenzi benkampani baya enkantolo egameni leklayenti, futhi ikakhulukazi inkantolo iwela ohlangothini lwebhange. Inkampani yezomthetho ayibuyeli imali yezinsizakalo zayo, futhi isikweletu sisasele, "kuchazwa uchwepheshe.

Khumbula ukuthi kusukela ngoJanuwari 10, umthetho ungena kuwo eRussia, okubandakanya ukulawula okusondele kakhulu ekuhambeni kwamazwe angaphandle aseRussia.