Refinancing mlingo - ndi ... The mawerengedwe a mlingo wa refinancing

Today ife kuyesetsa kumvetsa zimene zimakhudza fluctuation mitengo chidwi ngongole kubanki, chifukwa ife kulipira malipiro owonjezera pa kukhwima chiwongoladzanja pa ngongole ya amachotsera zoonjezera ayenera kuganizira insuring miyoyo yawo.

Chapakati banki refinancing monga mfundo

Mlingo refinancing - ichi makamaka chida kupyolera omwe malonda mabungwe a zachuma Amawapatsa njira Bank wa Central. Kodi udindo wa ulamuliro wa onse chiyani?

Aliyense akudziwa kuti lonse ndalama malamulo a Bank ku Central ndi udindo, ndi cholinga cha ntchitoyi ndi kuonetsetsa ubwino wa dziko (mpaka chizindikiro). Izi ndi mbali ya malamulo a boma yaitali njira ndi ulemu kukhalabe yabwino anamangirira GDP.

Banki chapakati ali levers ake a mphamvu, wotchedwa njira ya kanthu. Iwo ovomerezeka mwa lamulo ndipo ali motere:

• Kuchepetsa mitengo zikugwira ntchito a mabanki malonda;
• Kubwerera kovuta;
• opaleshoni ku msika lotseguka;
• opereka ntchito;
• kuwombola ulamuliro;
• refinancing mitengo ya mabungwe malonda kuchita zinthu kukongoza.

Lingaliro ndi mawerengedwe a mlingo wa refinancing

Popeza tikulankhula za zipangizo za chikoka cha Bank ku Central, izo idzafotokoza otsiriza ndipo njira yake, zofunika kwambiri a iwo. The refinancing mlingo - muyeso kuti aumbike za ndondomeko ya zachuma ndi kufufuma mu dziko. Monga ulamuliro, izo sikutanthauza kuwerengetsera zina, chifukwa bwino anakhazikitsa Chinthu mu nthawi zina, koma pa izo mtsogolo.

Tsopano inu mudziwe kuti likukhudza kupezeka ngongole kwa anthu ambiri. Mlingo refinancing - ichi ndi mulingo umodzi umene nthawi kuchuluka kwa ngongole dziko. M'mawu ena, m'munsi ndi kwambiri, n'zotheka kuti mabanja angathe kukwanitsa kulipira zilango ndi milandu pa ndalama analandira ngongole.

Pa mlingo wa mlingo ntchito entrepreneurial amakhudza ziri mwanjira yomweyo. M'munsi ndi, zazikulu Kukhazikika mukukonzeratu ndalama ngongole akhoza malonda awo. Popeza kuchuluka zachepa kwambiri.

Refinancing ndi State

Choncho, tinaona kuti mlingo wa chiŵerengero izi kumakhudza mwachindunji pa ubwino wa mabanja onse ndi mabizinesi. udindo wake ndi boma ndi chiyani? Boma, nayenso, Mzimuyo mlingo wa misonkho, zilango ndi chidwi pa mlingo refinancing. Mu mawu ena, zimakhudza lonse zachuma ndondomeko ya boma.

Chabwino, kuyambira Chinthu ichi ndi yang'anira ambiri utuluke ndalama, pali chiyanjano wina: mwamsanga pamene mlingo wa kufufuma m'dziko liyamba anasankha mlingo mtheradi, mlingo, motero, likutuluka, potero kuchepetsa kuchuluka kwa popezera mpata kupezeka kwa anthu.

Koma mfundo zachuma, pali ndondomeko zolimbana ndi zambiri zovuta.

Refinancing ngongole yanu ndi

Tiyeni tione kaye ntchito yofunika kwambiri anthu onse banja - ndi msonkho munthu. Pamene munthu wamba amatenga ngongole ku banki malonda, ndi nthawi ifika kulipira chidwi, iye pang'ono ndinaganiza uko zimene mabungwe zobisika kulipidwa payokha. Taganizirani chitsanzo chotsatirachi. Tiyerekeze ndi chiwongola dzanja la refinancing pa nthawi sankakhala uli woikidwa ndi boma pa mlingo wa 15%, pamene amapereka Bank ndalama pa 11%. Chiŵerengero akadakwanitsira wa ngongole, pansi pa malamulo zikusinthira (Art. 212 RF), ndi 75% ya boma anaika, i.e. 11,25%.

Iwo likukhalira kuti wobwereka amapulumutsa pa 0,25% ya ngongole, kutenga ngongole ku banki. Kuyambira ndalamazo, ndipo iye adzakhala deducted msonkho munthu monga phindu owonjezera. Nthawi zambiri m'gulu la mtengo wa yokonza ngongoleyo, ndipo nthawi zambiri palibe amalipira iwo chidwi chifukwa pang'ono awo anapeza.

Refinancing ndi Business

Amalonda ndi kukhazikitsa nchito za masiku onse mlingo Bank chapakati (refinancing) zingakhudze ngati ali masamu chifukwa kupeza katundu kapena ntchito mu sheya (monga zolemba promissory kapena kumangidwa), amene kale anagula kwa gulu lachitatu. chikhalidwe ichi amangonena za nthawi imene katundu imvera m'munsi VAT, ndipo iwowo ikuchitika pa gawo la Chitaganya cha Russia.

Ndiye mwadzina mtengo msonkho kumaonjezera kuchuluka kwa ndalama pa sheya. Izi amaganizira yekha gawo la ndalama kuti olumpha chovomerezeka mu mawerengedwe koyamba, malinga ndi refinancing koyefishienti.

Pankhaniyi, mlingo refinancing - izi ndi kuchuluka imene malonda anu amavutika. Choncho, ngati chithunzi ichi kupeza Bill kuposa nthawi ya ndikupeleka, wazamalonda adzautaya. Ngati M'malo mwake, mlingo ananyamuka - adzakhalabe mu phindu pa ntchito.

Refinancing ndi inshuransi

Komanso, Bank of Central refinancing mlingo ali pamlingo winawake chikoka pa ndalama nzika 'pamene iwo kutsimikiza miyoyo yawo. Kodi ntchito?

Mwachitsanzo, Pa nthawi ina Mtundu wotchuka inshuwalansi - reimbursement wa wina kuchuluka kwa ndalama kukwaniritsa zaka ina. Tiyerekeze policyholder zonse kupanga ndalama kwa matumba awo kwa zaka zingapo, ndipo chaka chino malipiro aziti iyeyu n'ngwabwino anafika.

Nkofunika kudziwa kuti pati boma anayimiridwa mwa mlingo refinancing pa nthawi ya pomaliza mgwirizano inshuwalansi. Ngati tsiku la malipiro a ndalama malipiro si upambana okwana chithunzi cha premiums, kuchuluka kwa chinthu chamtengo wapatali, ndiye kuopa chilichonse popanda chifukwa. Ngati M'malo mwake, ndi kusiyana inu kulipira msonkho ndalama zawo pa phindu la kuphunzira.

Kodi kusintha chaka ndi chaka mlingo refinancing

M'zaka khumi zapitazi, chiŵerengero izi mu osiyanasiyana 7-9%, zomwe zikusonyeza kukhazikika ena mu ndalama msika mayiko. Komabe, Ndikufuna kuwona zinthu pamene mlingo kumakhudza mwachindunji khalidwe la mabanki malonda.

Mwachitsanzo, chinawonjezeka koyefishienti wa refinancing. Pankhaniyi, mabungwe ngongole ndi mabungwe ena kuchita zinthu kukongoza, ayenera mwanjira zoperewerazo kuyembekezera kuchepa kufunika kwa ntchito zawo. Ndi yosavuta - kuonjezera chidwi pa makonzedwe a ndalama.

Koma si onse. Zinthu zimenezi si kusintha basi monga choncho. N'zokayikitsa ngati chinachitika, State ndi kukhazikitsa ndondomeko yatsopano zachuma zonse kufufuma. Izi zikutanthauza kuti zina kutsatira kusintha latsopano mu mawonekedwe a zochita malamulo zolimbana, kotero gombe kusintha ntchito zawo pansi mumaganiza yotsatira.

Refinancing ndi bizinesi

Ganizirani chitsanzo cha mayiko ndi chuma anayamba msika - United States. The refinancing mlingo lero amagwira ntchito yofunika kwambiri mu lamulo la zachuma otaya ndalama ndi mapangidwe a Reserve Federal. Mu America, chithunzi ichi Mzimuyo kuchuluka kuti ayenera kulipira banki malonda pa nkhani ya ntchito zosakhalitsa ndalama za boma. Choncho, ngati chiŵerengero si mkulu zokwanira, dongosolo malonda si kutha, ndipo iye mosavuta kuchita ntchito. Komabe, mwamsanga pamene akuyamba mlingo kutuluka, ndipo ntchito za mabungwe ngongoleyo pangozi chifukwa n'kutheka kuti iwo adzatha kulipira maudindo ake, akutsikira zikuchepa, kenako likuoneka kuti kusakhulupirika.

The refinancing mlingo mu Russia

Pa nthawi ina chithunzi ichi zatenganso mbali yofunika kwambiri lamulo la utuluke ndalama m'dziko lalikulu. Choncho, pochita zinthu ndi mumaganiza inflationary mu 1992-1996, chiŵerengero izi anafika mlingo wa 99%.

Pamene izi umayenda chibadidwe salimbikitsa chuma, anali ndi bwino malamulo, ndi maonekedwe anali zonse kugwa. Tsopano malonda mabungwe ndalama mosavuta ndi pa ndithu kuchuluka chokwanira kupereka onse yaitali yochepa ngongole akukwana (ndipo nthawi zina ngakhale kupereka ngongole kwa usiku umodzi kapena mlungu), popanda nsembe iliyonse ya mbiri kapena zofuna za makasitomala.

Ndiponso tisaiwale kuti mlingo refinancing kwa tsiku latsopano la Russia ndi nkhani chabe, amene enshrined m'chilamulo ndipo ali ndi chitsimikizo cha ku January 2016.