Chiwerengero cha masamu cha chilango pa refinancing mlingo

Kusweka kwa mgwirizano

Ngati pali kuchedwa pokwaniritsa zofunikira zomwe zimagwiridwa ndi mgwirizano, chipani chomwe chigawengachi chimachitika chikhoza kuyembekezera kulipira chilango ngati mawonekedwe abwino kapena zabwino. Icho chiwerengedwera tsiku lirilonse lopitirira pa mapeto a nthawi yomwe ili mu mgwirizano. Ndipo kukula kwake kumayikidwa molingana ndi gawo limodzi la mazana atatu la kubwezeretsanso kwa Bank Central ya dziko, patsiku la kulipira. Wotsutsa za maudindo ake adzamasulidwa ngati atatha kutsimikizira kuti kuchedwa sikunali chifukwa cha kulakwitsa kwake, koma chifukwa cha kulowerera kwa munthu wina, masoka achilengedwe ndi zina zosayembekezereka. Kuonjezera apo, zofunikira zogonjetsedwa mu mgwirizano ndizofunikira zofunikira, malinga ndi lamulo la Russian Federation.

Kuyerekeza kwa kanthawi kovomerezeka kwa mgwirizano

Masiku amachedwa kuchedwa amawerengedwa kumapeto kwa tsiku lotsiriza lomvera zofunikira pa mgwirizano. Pambuyo pa kukhazikitsidwa kwawo, kuchedwa kwake sikuleka kuwerengera kuyambira nthawi yomwe yatsimikiziridwa pazomwe zikukwaniritsa maudindo. Ngati maudindo asakwaniridwe, ndipo phwandolo lomwe limaphwanya mapanganolo liri wokonzeka kulipilira malipiro, chiwerengero chokonzekera akaunti ndi nthawi yomaliza yobwezera chilango.

Kuwerengedwa kwa chilango pa refinancing mlingo

Chiwerengero cha ndalama zomwe sizinaperekedwe ndizinthu zomwe sizinaperekedwe ndikuwonetsera kuchuluka kwa udindo, malinga ndi kuchuluka kwa maudindo omwe akuyenera kuyesedwa. Nthawi zina mgwirizanowu umawonongedwa pang'ono, kutayika kumawerengedwa payekha ya refinancing malinga ndi kusiyana kwa mtengo pansi pa mgwirizano ndi kuchuluka kwa misonkhano kapena katundu analandila. Izi zikutanthauza kuti ntchito zomwe sizikukwaniritsidwira zimayesedwa pamagwiridwe awo (mu magawo awiri, awiriawiri, kilograms, ndi zina zotero) ndi ndondomeko yamtengo wotchulidwa mu mgwirizano, kaya ndi chinthu chosavomerezeka kwathunthu mpaka panthawi ina yogwirizanitsa kapena kugwirizanitsa zochepa zochepa za mgwirizano.

Momwe mungagwiritsire ntchito chilango pa mphindi ya refinancing

Pofuna kudziwa momwe malipiro amalipilira molingana ndi kuchuluka kwa malipiro, ndikofunikira, kulingalira nthawi ya zosakwaniritsidwira, kulingalira kuchuluka kwa tsiku kuyambira tsiku loyamba mpaka lomalizira, komanso kusintha kulikonse pa nthawi yonseyo. Choncho, ngati nthawi yowonongeka ikufanana ndi masiku 100, kwa masiku 25 oyambirira mlingowo unali 6.5%, masiku 50 otsatira - 7% ndi masiku 25 otsala - 7.2%, ndiye kuti mlingo woyenera udzawerengedwa motere:

(6.5 × 25 + 7 × 50 + 7.2 × 25) / 100 = 6.92

Kuwerengedwa kwa chilango pa chiwerengero cha refinancing ndi chiwerengero cha chiwerengero cha ndalama, mosasamala kanthu za kusintha komwe kulipo panthaŵi yonse yosasintha, chiyenera kuchitidwa molingana ndi lamuloli:

A = B × ((CP / 300) / 100) × D;

Kumeneko:

A - kuchuluka kwa zoperewera;

SR - mphoto yokonzanso;

B - kuchuluka kwa maudindo osakwaniritsidwa;

D - nambala ya masiku oposa.

Zomwe zili mu ndondomekoyi ndi zomveka bwino komanso zomveka kwa anthu ambiri a masiku ano omwe ali ndi mwayi wochita malonda. Zimagwiritsa ntchito
Kukonzekera mwachilungamo kwa chilango pa mlingo wokonzanso. Chomwecho, chomwecho ndi chida chokhala ndi chiwerengero choyesa ndalama, zomwe zimadalira kusintha kwa msika. Kuwonjezera pa kuwerengera zoperewera, ndizozoloŵera kuzigwiritsira ntchito, kutengera kuchuluka kwa mabanki , malipiro a msonkho , mgwirizano wa ngongole ndi zina zomwe zimafuna kuti polojekitiyi ikhale yovomerezeka kuti igulitse zinthu ndi kusintha kwake nthawi zosiyanasiyana.