Monga anatsimikiza mtima mtengo wathunthu wa ngongole ndi icho chiri

Mu nthawi yathu danga mudziwe ladzala ndi mfundo za ngongole yabwino. mabungwe banki kufalitsa yabwino kuposa zinthu zina. Komabe, chizindikiro zofunika kwambiri wolandira ndalama - mlingo ogwira chidwi - zambiri ndimachita options dzi.

Koma pamapeto, ndi kuchuluka kwa ndalama zolipira ku banki, anakhala moti nthawi zambiri akampeza pambuyo alipire. Komanso, mfundo zimenezi n'kofunika kwambiri chifukwa amalonda munthu ndi mabungwe. Malinga pakutchulidwa ya malipiro mtengo wa ngongole, anapanga mitengo ya zinthu zina.

Kodi kuwerengera ndalama okwana ngongole ya. Kodi ndi malangizo panopa?

Ngati masamu mlingo ogwira chidwi? M'mbuyo monsemu, palibe mogwirizana sanali nkhaniyi. bungwe lirilonse udindo njira akanakhoza kulengeza za utumiki wa ngongole. Nthawi zambiri inapereka chiwerengero ochepa, nthawi zina kumalire ndi kulingalira ndi mlingo refinancing. Komabe, patapita kuti malipiro yomaliza kangapo kuposa kukula ananena.

The Bank of Russia mu 2008, anapezeka nkhaniyi ndipo anatenga chikalata chimene munthu kuti kutamandidwa mabungwe kuwerengera chizindikiro ichi. Tsopano, kuti bwino kusonyeza ndalama zonse za ngongole, ndi njira iyenera kugwiritsidwa ntchito.

Mu njira iyi, njirayi chakhala malamulo, ndipo, ngakhale lili ena zolakwika, si za chikhalidwe ofunika.

Kodi ndalama zina mwa ndalama za ngongole. Taganizirani funso ili mwatsatanetsatane

Panopa, mlingo ogwira chidwi zikuphatikizapo malipiro zotsatirazi wobwereka ndi:

- kuchuluka, anayambitsa mbali ya alipire wa chachikulu kuchuluka kwa ngongole ya;

- kuchuluka, anayambitsa cholinga cha malipiro a chidwi pa ngongole ya ;

- Commission kubwerezanso ntchito kwa issuance wa ngongole kapena malipiro ngongole (kawirikawiri ntchito kapena ndi khalidwe chobisika);

- Commission chifukwa tikukonza nkhani banki (ndalama achire, kutengerapo nkhani lachitatu chipani, etc.);

- Commission ntchito issuance wa makhadi: mtengo wa khadi, malipiro pa utumiki wa pachaka ndi zina zotero.

Koma mndandanda si wathunthu. The ndalama zonse ngongole zisakuyenda limakula ndalama za inshuwalansi moyo wa wobwereka kapena udindo wake makonzedwe a ina. Izo ziyenera kuti mwa njira imeneyi mabanki kuloza chiopsezo chawo pa mapewa a makasitomala. Komabe, amatikhululukira ngongole zambiri meekly kugwirizana mawu awa. Ndipotu, Pamafunika ndalama.

Kodi kuchuluka sali m'gulu? Bank chapakati wakhazikitsa angapo malipiro, amene mtengo wa ngongole si bwanji. Apa iwo ali:

- malipiro omwe si kugwilizana ndi mawu a pangano ngongole monga CTP, etc.

- chilango oletsa wobwereka a sanali kugwilizana ndi mfundo za mgwirizano;

- malipiro yotentha ndi njira imene wobwereka, kawirikawiri - amalipiritsa alipire oyambirira ntchito mumve pa udindo wa nkhani ya ngongoleyo, Commission kwa oyamba kapena kutapa ndalama;

Nthawi zina, mndandanda kukodzedwa kuphatikizapo ndalama zotsatirazi:

- Commission pa wotuluka ndalama, ngati mgwirizanowo anali mu rubles;

- Commission kwa wotuluka ikuchitika ndi mabungwe ena ngongole;

- malipiro kuyimitsidwa ntchito.

The ndalama zonse za ngongole angakhale ndi mitundu yosiyanasiyana ya kuwerengetsera malinga ndi kukula kwa malipiro. Ngati wobwereka mabasi pa kusintha nthawi makhalidwe awo, kuchuluka ngongole anatsimikiza ndi mulingo pazipita ndi mawu alipire. Ngati mukufuna kwambiri umo_mosangalala ndalama zonse, kawirikawiri mwezi, ndi masamu pa mfundo zimenezi.

Yooneka ngati yosavuta wobwereka adzatha kuwerengera ndalama zonse zomwe iye ayenera kulipira. Ndipotu, osalephera, likukhalira kuti manambala wake adzakhala osiyana banki. Ndipo, ndithudi, mbali ang'onoang'ono. Choncho ndi bwino njira iyi kuyerekeza umafuna a mabanki. Palibe zambiri.