Kulipira ngongole: mabanki. Kubwereza kachiwiri kwa ngongole ya "Sberbank": ndemanga

Kukwezera chidwi pa ngongole za banki kumapangitsa okongola kuti apeze zopindulitsa. Chifukwa cha izi, kulandira ngongole kumakhala kofunika kwambiri. Koma musanavomereze malingaliro amenewa, nkofunikira kudziwa, ndipo kodi iwo ali opindulitsa kwenikweni mu chenicheni?

Zifukwa zobwezeretsanso

Kubwezeretsanso ngongole ndi kubwezera ngongole ina bwino, cholinga chake ndikutseka ngongole yomwe ilipo kale. Pa sitepe iyi, anthu omwe amaganizira kuti mabanki ena amapindula kwambiri kuposa omwe adawalembera asanalowe.

Ngati ngongole zogulitsa ngongole zisanapereke zaka 13% pachaka, mabanki ambiri amapereka chithandizo chomwecho kale pa 10-11%. Mwachibadwa, kubwereka koteroko kudzakhala kotsika mtengo. Choncho, ogulitsa oyenerera amayamba kufunafuna mabungwe omwe adzathe kubwerekanso. Popeza mabanki sakufulumira kukonzanso ngongole zomwe zilipo kale, kufunafuna njira zowonjezera kumakhala chisankho cholondola ndi cholondola.

Pogwiritsa ntchito ndondomeko zomwe amapereka ngongole, kubwereketsa ndalama kumapindulitsa kwambiri. Kuchuluka kwa mlingo ngakhale magawo angapo peresenti kudzakuthandizani pa nkhaniyi kupulumutsa kwambiri. Ngati kusiyana kotsika kuli kochepa, ndiye kuti ndibwino kuti musadalitsirenso. Pambuyo pa kukonzanso kubwezeretsa kubwereka kubanki ina ndi zotsatira zake zonse: kukhazikitsidwa kwa inshuwalansi, malipiro onse oyenera komanso ma komiti. Ndipo musaiwale kuti ndi nthawi yochuluka bwanji komanso khama lomwe lidzagwiritsidwe ntchito.

Zomwe zimakonzedweratu

Si mabanki onse angathe kupereka ngongole kwa makasitomala awo. Cholinga choterechi chimatanthawuza anthu omwe ali ndi chiopsezo chachikulu, choncho chiwongolero choonjezera chimafunika kupereka ndalamazo, ndipo osati ngongole aliyense angathe kuchipanga.

Ngakhale kuti ndalama za wobwereka zinayang'aniridwa panthawi yolembera ndalama, kubwereketsa ku banki ina kudzafuna cheke chachiwiri.

Zowonjezera zofunika

Malinga ndi ngongole iliyonse, mbiri yakale ya ngongole ndi yofunikanso poyerekeza. Kuphatikiza pa mapepala oyenera kuti azipempha ngongole, banki idzafuna mgwirizano wodalirika wogwiritsira ntchito ndalama komanso chidziwitso cha kusalakwitsa komanso kugwira ntchito mwakhama. Komanso, chilolezo cholembedwa cha wobwereketsa pakalipano chobwezera kubwezeredwa kwa ngongoleyo chidzafunikila .

Zofuna za kasitomala

Ngongole yobwereketsa ndalama tsopano iyenera kuperekedwa osachepera 1 chaka chatha ndipo panthawi yogwiritsira ntchito ngongole ya nyumba, sipadzakhalanso kuchedwa kulipira. Ngati mukuganizira kukonzanso kachiwiri kwa ndalama za Bank Savings, mungathe kuzindikira zovuta kwambiri. Koma okha ogwira ntchito odalirika angadalire refinancing.

Njira zosiyana zogulira ngongole

Monga momwe zinalili ndi ngongole yoyamba ya nyumba, pofuna kukonza ngongole, mabanki adzafuna ndalama, zomwe zimapezeka. Pachifukwa ichi, kasitomala adzafunika kutumiza zikalata zomwe zingatsimikizire zachuma chake ndi mapeto a owonetsa za mtengo wa nyumba.

Kuchokera ku banki yomwe idapereka ngongole, idzafuna chilolezo chovomerezeka mwalemba kuti mutseke ngongole pasanakhale ndandanda. Wogulitsa ngongoleyo akupanga kukonzanso, akuyenera kutumiza ndalama ku akaunti yofunikira ya banki yomwe ikalandira njira imatseka ngongole ndikuchotsa chikole kuchokera ku chinthu chokhalapo.

Kwa kanthaŵi kochepa, panthawi yomwe kampani ya ngongole imachotsa chikolecho kuchokera ku malowo, ndipo ina sinaiikepo, wothandizirayo ayenera kulipira chiwongoladzanja cha ngongole. Muyeso wotero ndi mtundu wa inshuwalansi ku banki ya refinancing. Pambuyo pake, palibe chitetezo china cha ngongoleyi. Koma atangomaliza kulemba kalata, chiwongoladzanja chochepa chidzayamba kugwira ntchito.

Zolinga zotheka kubwezeretsa ngongole

Amene amasankha kubweza ngongole, ndizofunikira kuti adziŵe nokha ndi malingaliro a mabanki angapo. Amatha kusiyana pa magawo otsatirawa:

• Chiwongoladzanja;
• Malemba a kulandila;
• Ambiri a ngongole.

Pali chikhalidwe chimodzi chokha chosasinthidwa kuti onse okongoza ngongole amveke. Zimagwirizana ndi cholinga cha ngongole, yomwe imangowonjezera kubwezeredwa kwathunthu kwa ngongole ku banki ina. Ndipo nthawi zina ndalama zimatumizidwa kukabwezera ndalama zokhazokha, ndipo chiwongoladzanja ndi zina zowonjezera malipiro kwa wobwereka zidzafunika kupangidwa mosiyana.

Njira ina yothandizira kubwezeretsa ndalama siyikulipilira ngongole yaikulu, komanso kubwezera chiwongoladzanja ndi malipiro ena a ngongole. Nthaŵi zambiri ngongole imaperekedwa yomwe imaposa kuchuluka kwa malipiro pansi pa mgwirizano wamakono. Pachifukwa ichi, wogulayo ali ndi ufulu wogwiritsa ntchito ndalama zotsala, monga momwe akufunira.

Kusiyana kwa bizinesi

Ngongole ya ngongole imaphatikizapo ngongole zambiri, kotero musanasankhe banki, muyenera kufufuza mosamala malingaliro onse ndikusunga nthawi iliyonse powerengera ubwino.

Ngongole zoperekedwa ndi mabanki zingakhale ndi mitengo yokhazikika komanso yoyandama. Zina mwazidziwikiratu kuti kale zidakali zosasintha pa nthawi yonse yobwereketsa. Ndizovuta komanso zimakulolani kukonzekera ndalama zanu pasadakhale.

Mpweya woyandama uli ndi zigawo ziwiri: chosasintha ndi chosinthika. Mmodzi adzakhalabe yemweyo, winayo amadalira zochitika zakunja, zomwe zidzanenedwa mu mgwirizano. Pogulitsa ngongole, ndi chizoloŵezi chowerengera chiyero choyandama pogwiritsa ntchito chizindikiro cha Mosprime, chomwe chingayambitse kusintha kwa tsiku ndi tsiku.

Pakati pa ndalama za banki, pali mphoto yokonzanso, yomwe imayikidwa ndi Central Bank. Ichi ndicho chida chachikulu chomwe chimakulolani kulamulira chidwi cha ngongole chomwe chimagwiritsidwa ntchito ndi CBR yokha pokhapokha mutapereka ngongole kwa mabanki. Mpikisano uwu umasintha, koma osati mobwerezabwereza kamodzi pachaka.

Kusungitsa ndalama

Kulipira ngongole za ndalama zakunja nthawi zambiri sizothandiza. Ndalama za ndalama zakunja zingaoneke zokopa kwambiri panthaŵi ya kulembetsa, koma msika wa ndalama sungakhazikika, ndipo mkhalidwewo ukhoza kusintha kwambiri pa nthawi iliyonse. Pa nthawi yomweyo, malipiro adzawonjezeka.

Nthawi zina, mabanki amavomereza kusintha ndalama za ngongole, koma si onse amapita ku izi. Inde, ndipo zimadalira chilichonse chimene chidzakhala kuchokera kwa wobwereka.

Mitundu yokonzanso

Kusintha ngongole imodzi kwa wina, mungasinthe ndi zikhalidwe zake. Mwachitsanzo, kuchepetsa kapena kuonjezera nthawi yogulitsa ngongole, kusintha ndalama za ngongole, kuchepetsa chiwongoladzanja kapena kuchepetsa kuchuluka kwa malipiro a mwezi uliwonse.

Njira yotsirizayi ndi yopindulitsa kwambiri, popeza kuti kuchepetsa malipiro oyenera, nthawi yowonjezera ngongole, ndipo chifukwa chake, kuchuluka kwa kubweza ngongole.

Bungwe likupereka

Zopindulitsa kwambiri ndikukongoza ngongole ku Sberbank. Mayankho a omvera pa gululi ndi abwino kwambiri. Kubwezeretsa ndalama kumakhudza gawo lonse la ngongole ku banki ina, ndipo nthawi yobwereka ikhoza kufika zaka 30.

Ngati kuchuluka kwa ngongole sikuposa 1.5 million rubles, ndizomveka kugwiritsa ntchito RosEvroBank. Mawu a mgwirizanowa ndi zaka 20, koma amafuna kulipira kwa 0.8% ya ndalama zomwe analandira.

Kulipira ngongole ku "Bank of Moscow" n'kotheka ngakhale pangongole ya ngongole, pa chiwerengero chochepa kwambiri cha 11.95-12.95% komanso nthawi yaitali kwa zaka 30.

Pomwe ngongole imakhala yayikulu kwambiri, Absolut Bank idzapulumutsa. Amagwira ntchito ndi ngongole mpaka rubles 15 miliyoni. Nthaŵi ya ngongole ili zaka 25. Koma iwe uyenera kukhala ndi inshuwalansi kuchokera kwa kasitomala ndi kulipira ntchito.

Musadalire kwambiri kuwona mtima ndi kutseguka kwa mabungwe a ngongole. Si mabanki onse amadziwitsa za ndalama zonse zomwe zikubwera pansi pa mgwirizano wa ngongole, zomwe zenizeni zingabise misampha yambiri. Choncho, pakuganiza za kugulitsa ngongoleyo, m'pofunika kuti muphunzire mwatsatanetsatane zopempha zonse, zofunikira pa inshuwalansi, kubweza makalata, ndi zina zotero.