Kodi ndalama zosowa mwamsanga?

Nthawi zambiri anthu akukumana ndi vuto la kusowa kwa kuchuluka kwa ndalama zofunika mwamsanga mwachangu. Ngakhale ngati munthu wakhala moyo mwa njira zathu, zivute zitani tili kufunsa funso, "Ife kuyesetsa panopa ndalama, pomwe kuti?". Mwachitsanzo, munthu womangidwa malipiro, ndi nyumba lendi kapena ngongole uyenera kulipiridwa yomweyo. Kapena mwana wodwala, wokondedwa, galimoto inawonongeka, ndipo popanda sikutheka kuti ntchito tsiku lililonse kupulumutsa banja ku sukulu, sukulu ya mkaka ndi ntchito.

Mungasankhe mmene kumene ndalama zochepa. Ambiri ndi bwino wa iwo - kufunsa achibale ndi mabwenzi. Ngati nthawi zonse kwaulere ndalama ndipo nthawi zonse kukuthandizani - bwino, chifukwa, choyamba, thandizo tinganene kuti beprotsentnym ngongole, ndipo kachiwiri, inu muli mu zonse ndi chilengedwe yapafupi ndi kuthandizidwa.

Yachiwiri - kugwiritsa ntchito misonkhano ya malonda olemba 'monga "ngongole Quick alibe satifiketi," "Ndalama zonse," "Mawu kwa maminiti asanu," ndi zina zotero. Ndi yosavuta - kubwera ndi chiphaso, kukonza ngongoleyo, pomwepo chokani ndi ndalama. Makamaka mofulumira yaying'ono-ngongole kuchuluka kwa ngongole (kuchokera rubles 20 100 zikwi) ndi mtengo mkulu (700% pa chaka, kapena 1-3% patsiku). Koma ngongole awa linapereka mwezi kapena iwiri, chifukwa palibe wobwereka olongosoka sakugwirizana kulipira kwambiri. ndalama ndi zilango kwa malipiro mochedwa dongosolo ngongole wokongola amphamvu, kuti kasitomala akhoza uwonongedwe.

Yankho lotsatirali funso   za kumene kutenga ndalama - ndi mwamsanga ngongole mabanki. mabungwe ngongole komanso kuyenderana ndi nthawi ndipo muwuzeni zatsopano ngongole. Ngati pali kufunika kwa ngongole mwamsanga, mungachite ntchito osati kupezerapo mwayi pa izi? Muyenera yekha pasipoti, ndi mphindi 20-30 nthawi yanu. Cholinga cha ngongole ndi kuchuluka kwa ndalama zanu si zofunika, gawo si chofunika. Kumene, banki likudziwika chiopsezo kusakhulupirika pa ngongole kudya, kotero mitengo pa iwo ndi apamwamba kwambiri poyerekeza mankhwala ogula.

Komanso, ngati inu simukudziwa kumene ndalama, mukhoza agwirizane ngongole ogwirizana (kapena cooperatives ngongole). Mamembala a mabungwe awa pamodzi kukumana ndi zosowa zawo ndalama ndi mavuto, wina atsegula chuma, munthu amakoka ngongole. Nawonso ngongole ngati mgwirizano Pakufunika mawu ndalama. Kuchuluka ngongole zambiri yaing'ono. Cholinga ngongole zosiyanasiyana: maphunziro, mankhwala, tchuti, kugula galimoto, nyumba, ntchito likulu ndalama kwa anthu amalonda. Dziwani kwambiri "anthu" mtima kuti borrowers mu mabungwe ngongole. Ngati atachenjezedwa ndi kufotokoza chifukwa, zikuoneka kuti "chabe" nthawi yomweyo ndi ndalama amatengedwa ndi zilango (ngati, ndithudi, ntchito molakwika kukhulupirira).

Kwa anthu omwe amafuna tsiku lomwelo kutenga ndalama wokondedwa, pali chuma masitolo. Mabungwe oterewa kusamalira za ngongole mbiri, kuchuluka kwa zasungidwa, kuntchito ndi zaka, bola ngati wobwereka anali pasipoti ndi zolemba pa ina ya. M'njira imeneyi, izo chikalata chuma ambiri osiyanasiyana - miyala yamtengo wapatali, galimoto, malo, malo, katundu ubweya, mafoni, Malaputopu, ndi miyala ulonda Swiss. The chiwongola dzanja pa ina ngongole amadwala kwambiri pa ngongole kubanki zimadalira ina liquidity, ranges kuchokera 0.5% kuti 2% patsiku.

Kodi ndalama ndi momwe ngongoleyo, mwaganiza. Ayenera anabwerera, ndipo mtengo ntchito ndalama anthu ena si mkulu, kotero mwina muyenera kuganiza za stash "zosowa mwamsanga" kapena ngongole. Njira otsiriza yabwino kwambiri ndi zaphindu chifukwa angathe kulipira pafupifupi onse masitolo, ndi chiwongola dzanja si kwambiri (18% pa), mabanki ambiri kupereka ŵakwenera nthawi chidwi zaulere kugwiritsa ntchito ndalama (pafupifupi - masiku 50). Komanso, ngongole ntchito akamavutika, inu kulipira kugula leni anapanga, kaya malire zilipo. Alibe kuti mwaphuma kufufuza yankho la funso kumene kuti ndalama mwachangu, aukhondo bajeti kapena banja ndi kukonzekera ndalama zosayembekezereka.