A kubweza yankhoyi ifunika ku kulingalira kachiwiri

Mavuto ndi kubweza kwa

Vuto la 2008-2009, monga mukudziwa, anagunda pa kubweza kwambiri kuchepetsa kuchuluka kwa mtundu uwu wa kukongoza pafupifupi yochepa. Pa akuchuluka kusakhazikika kwa zachuma ku mabanki a dziko anachita kusintha okhazikika kubweza kukongoza. Voterani auka, ofunsira anayamba kufufuza kwambiri, ndipo ngakhale kwambiri. Anthu borrowers kuti anatilola ngongole zawo pamaso mavutowo anayenera kulandira izo kale mu malo, ndipo anali kuipa kwake. Choncho, kuchuluka kwa mitengo zinayenera wobwereka kuti ndichepe kuchuluka imene iye akanakhoza kutenga ngongole. Choncho, nyumba, zomwe anthu amafuna, iye sakanakhoza kugula, ndipo ine ndinali kuyang'ana kwa katundu watsopano. Pamene izo zinali, momwe kubweza ndi zambiri kusinthidwa kachiwiri.

Mu ena mabanki pa vutoli kubweza panali mwangwiro mwadzina. Iwo anaika zinthu zosatheka wa ngongole ndi chidwi mitengo ngati kuti sangathe kujambula wobwereka. Nthawi zambiri zimachitika kuti patapita nthawi yaitali poganizira zolembedwa chabe kuti adzakanidwa.

Komabe, anthu ambiri amene amayenera kutenga ndi kubweza ngongole pamaso vuto la 2008-2009, anayenera bondo. Alex Shmona CEO zipata kwa malo Move.su ananena kuti vuto anthu amene kubweza mu madola anali. Ndi mlingo wake wa kukula kwa buku la ndalama kuchuluka kwambiri ndipo ambiri anagunda mthumba.

Komanso, malinga ndi katswiri, chaka pamaso mavutowo, ndi maonekedwe a mumaganiza choimira mu chuma, magombe anayamba kuyang'ana njira kuthawa ndipo kuwonjezera kwa kubweza mgwirizano mzera kuti akamaziwononga banki ali ndi ufulu kukweza mitengo pa ngongole kale mwapatsidwa - mwachitsanzo, ndi kuchepa kwa katundu ndi cikole. Pa vutoli, borrowers ambiri kamodzinso muwerengenso mgwirizano wanu ndipo anali pafupi mantha - pakati nkhambakamwa kuti mitengo kubweza mabanki adzachuluka kuonjezera unilaterally kale pa ngongole ya. Mu zenizeni, akuti Alexei Shmona tilibe mfundo kale ngongole kubweza kwenikweni massively kukweza mitengo - N'kutheka milandu yochepa akutali - mu zigawo. Choncho mantha pakati nkhambakamwa anali msanga chifukwa ngati zinthu zinasintha.

Kodi kupirira mavuto a borrowers

Komabe, osati mphekesera za kuwonjezeka n'zotheka chiwongola dzanja pa ngongole kale mwapatsidwa ndi kuwonjezeka mu dola kusokoneza bata wa kubweza borrowers. Mavuto aakulu anayamba anthu amene anangokhala ndi vuto lenileni: anthu borrowers amene anachotsedwa ntchito kapena zifukwa zina ngakhale mavuto sakanakhoza ngongole ku banki. Monga zapita kuchepetsa chachikulu cha anthu, kuphatikizapo akuluakulu okalamba ndi Ngopambana, borrowers ngati sizinali choncho pang'ono.

Komabe, tiyenera kukumbukira kuti palibe titakumana zinthu ndalama kumudzi, m'mbali mwa wobwereka defaulting si kopindulitsa. Choncho, mabanki ambiri anali okonzeka kutenga njira kwa wobwereka, ngati iye yekha anakhala nawo, ndipo posapita nthawi adzatha amalizitse ngongole yanu.

Vitaly Bahvalov, Mutu wa Marketing ndi Malonda Gulu makampani SU 22 ikunena kuti, pa mavuto 2008-2009, ena borrowers kubweza analephera kupereka udindo wake. Komabe, magombe anali kupita kukakumana ndi anthu ndipo anthu borrowers amene sali kubisala nalowa kubisala mu mwambo mavuto, ndi moona anavomereza angongole mavuto anakumana - analandira alipire deferment kapena thandizo lina. Malinga ndi katswiri, kubanki ndi nthawi chidwi choona kuti kubweza wobwereka linaperekedwa kwa iye mpaka mapeto, ndipo mu nthawi ya mavuto mabanki ambiri kuti nthawi zonse zimagwirizana pa zinthu zina wothandiza.

Sergei Liadov, ndi mneneri wa ndalama ndi chitukuko kampani "City-XXI Century" anandiuza kuti ambiri banki amapereka zinthu zitatu kwa kuthetsa vutoli: kuchedwa wa kupereka, ponso akuti ngongole, ndipo ngati njira kwambiri, kubwezera ngongole mwa kugulitsa nyumba ya. "Dziwani kuti Kudandaula kubwalo lamilandu la banki atero pa osachepera kwambiri, makamaka chifukwa cha nthawi ya Kuthi ndi zotsatira ananeneratu. bwalo safuna kulanda a ina, ngati Mwachitsanzo, anabzala lathyathyathya - mthunzi chabe wobwereka ndipo ngati moyo ana aang'ono, "- anati katswiri.

Choncho, chochitika cha mavuto 2008-2009, wobwereka mu nkhani ya mavuto chifukwa chobwezera cha ngongole (mwachitsanzo, kuchotsedwa ntchito), pali njira zitatu. The choyamba - ndi kugulitsa nyumba, chotero kulipira ngongole ku banki. Pa nthawi imene nyumba mitengo anauka, zolinga zawo akhoza ngakhale kupeza. Koma popeza iwo anagwa kwambiri pa vutoli, kuti nditembenukire kuti pambuyo kugulitsa nyumba ya kunapezeka kuti wobwereka akadali kukhala banki chifukwa chakuti chimaposa sanabise ngongole pa kubweza ngongoleyo.

Yachiwiri kwa borrowers amene anachotsedwa ntchito kapena chifukwa ena ataya luso amalizitse ngongole. Pankhaniyi, anthu anali mu banki ndipo anavomera mwayi malipiro. Ambiri, malinga ndi zimene akatswiri msika, oipa kwambiri borrowers mu Moscow, amene anagulitsa nyumba ndi hamala, panali pafupifupi palibe - mayunitsi amene anakumana. Mu zigawo, zinthu Choipitsitsa, koma ndalama likulu la anthu pamwamba, ndi kusankha pa gombe wakhala kwambiri. Choncho, mabanki ndi mphamvu zonse anayesa kukambirana ndi anthu ndipo nthawi zambiri zinthu ndithu mokhulupirika.

The vuto yachitatu imene munthu kutenga ngongole ku ndalama zakunja (mwachitsanzo, madola), ndi mlingo wake chawonjezeka zikuchepa pa mavutowo. Banks anapereka mu nkhani iyi pulogalamu refinancing, wobwereka anatenga ngongole mu yatsopanoyi - mu rubles - koma ngakhale mu zinthu pano. Ndipotu, izo zifika ngongole zatsopano, kuyambira mlingo chidwi, ndipo zinthu zinali msika - ndi borrowers ambiri anakana refinance, chifukwa pambuyo kuwerengetsera ena kunapezeka kuti rubles, koma zinthu zatsopano ndalama anayenera kukhala kuposa kale .

kubweza lero

Lero, kubweza onse kulankhula mosiyana. Wina anapereka zabwino ndi kukhulupirira kuti kubweza msika anabwera pafupi Pre-mavuto msinkhu, munthu mokoma amanena kuti si yapafupi monga zingaoneke.

Konstantin Shibetsky, mkulu wa kubweza dipatimenti ya Civil Code wa MIKA, ndi kusataya ziyenera ake zimenezi. Akatswiri amanena masiku ano kubweza msika (kubweza Moscow) amakhala zonse zazikulu moyo, ngongole adzapatsidwe, zinthu tidagulidwa. "Poyerekeza ndi nthawi chisanadze mavuto kosathandiza chifukwa kubweza mabanki pang'onopang'ono atapanga kale mavutowo. Terms of ngongole kubweza zasintha bwino, kutentha ambiri chipatala (ulemerero chidwi mlingo) wa 12,4%, ife kuthana, mitengo akhala kuchepa kukula kwa malipiro pansi, kwambiri, nagwa pa avareji 15-20%, pali ngakhale akafunsiridwa ndi ziro malipiro koyamba. Borrowers, magombe anayamba kuganizira kwambiri, "- anati katswiri.

Malinga Bambo Shibetskogo lero kulankhula za kubwezeretsa kwa msika kubweza. Mawuwo Katswiri zimapangitsa zotsatirazi - "gulu la subprime (borrowers ndi yachinsinsi palibe ndalama) mabanki kubweza lero Sikuti, waukulu ngongole ndalama kubweza -. Russia ruble, gawo la ngongole dollar ndi negligible, kuchuluka kwa ngongole kwa nyumba zatsopano ndi kudutsa aliyense ukuwonjezeka mwezi"

Natalia Parfyonov, Mutu wa Sales Zigawo za "Relight Ikani" chikutsimikizira kuti msika kwenikweni kunena za mosavuta mavuto atsopano mu Russia. Komabe, malinga ndi akatswiri, kusowa panopa iwo si bwanji, koma mabanki pang'onopang'ono kulera pamtengo ndi yogwirizana kwambiri ndi issuance wa ngongole, kuchepetsa mlingo pazipita chiopsezo.

Malinga ndi kampani "Incom-Malo" mu chaka cha 2008, banki kapena kuti anaphimba mapulogalamu awo kubweza, ndi zikuchepa chinawonjezeka mlingo, zomwe zingawathandize mlingo prohibitive. Masiku ano, tikuona mitengo kukula ndi 0.5-1.5% makamaka mabanki ndi likulu achilendo, koma si hopping monga izo zinali zaka 3 zapitazo. Komanso, kubweza msika kupitirizabe mabanki latsopano, zikutanthauza kukhalabe ntchito.

Akatswiri a kampani, chisanadze mavuto pachimake cha kubweza kukongoza adzapatsidwa Patapita chaka chino.

Anthu amene sali owopa

Kaya chidaliro kapena zili mu msika wa osinthitsa kubweza, Alexei Shmonov limalangiza anthu amene tsopano kusankha kubweza, ndi mosamala ubwino ndi kuipa kwake. Tiyeni mafuta kuti zifukwa zanu "chifukwa" palibe ngakhale m'modzi akhoza kupereka Kulosera molondola mmene msika kukhazikitsa. Palibe angasonyeze yoyenera, pamene inu mukhoza kutenga kubweza ngongoleyo, kapena nthawi imene, mwachitsanzo, ndi bwino kugula nyumba. Choncho, zonse zofunika kuti akutukwana kuchokera lero chosowa chanu chapadera, sindikuyesera kulosera zinthu bwinobwino kwa zaka 5 patsogolo - kuyembekezera nthawi wangwiro. chinthu china, malinga ndi akatswiri, m'pofunika kumvetsa mlingo wa kukhazikika ndalama - ngati muli ndi chidaliro mu ndalama zawo m'tsogolo luso ntchito, etc. Komabe, ichi palibe mmodzi tikhoza kudziwa motsimikiza, kotero kulemera ubwino ndi kuipa kwake, ngati mukuona kuti Chikoka - ndiye kutenga kubweza ngongoleyo. Mulimonsemo, pakuika nyumba zawo m'malo lendi.

Konstantin Shibetsky anthu amene anaganiza kugulira nyumba, limalangiza zotsatirazi: Choyamba, muyenera mwabwinobwino kuwerengetsa chawo ndalama ngati simungathe kuvutika khalidwe la moyo ndi kuchuluka ndalama mwezi.

Kachiwiri, muyenera kukhala mu malo kuchuluka kwa "tsiku mvula" pafupifupi 6 miyezi ya ndalama pa ngongole, izo kukutetezani ku chiopsezo kuchotsedwa ntchito komanso ndalama, pakalibe amakakamizidwa pa kufufuza ake. Ndipo chachitatu, si banal phokoso Mpofunika inu kwambiri kuyan'ana thanzi lawo, monga kuchokera tsiku ngongole, mudzakhala ndi moyo chosiyana, kuti 'asamachedwe ndi udindo ulemerero ", ndipo iwo ayenera kuchita, ndipo ndi bwino kuchita izo employable.

Sergei Liadov kuonetsetsa kuti chitetezo ndalama kumatheka ngati kubwereka mu ndalama zimene amapeza waukulu akubwera. Pankhaniyi, ndalama chiopsezo wobwereka ndi chabe. "Bungwe kuti borrowers si choyambirira - osati kusintha malo a ntchito mu nthawi chosadalirika, pokhalabe ndalama zawo, ndi njira zambiri udindo ndalama bajeti munthu" - Katswiri limanena.

mavutowo anatha zofala zinthu kumene anthu kutenga kubweza, ndipo ngakhale ngakhale mavuto a zachuma, mtendere wa ake analipira, koma yomanga nyumba wakhala zii. Kudachitika imene anthu amavalira ndi kubweza, ndipo nyumba yobwereka, ndipo komabe sindikudziwa, koma pamene nyumba zawo adzamangira. Natalia Parfenov limalimbikitsa amene kutenga ngongole kwa nyumba yatsopano mosamala onani mbiri ya anaumanga ndi ntchito zake kupitirirabe ndipo anamaliza. "Ndi ofunika powasamalira gawo la zomangamanga, wamkulu ndi mtima kwanu, m'munsi chiopsezo yosatha" - Katswiri akukhulupirira.

Tikukhulupirira kuti malangizo awa adzalola kuti kamodzinso kulemera ubwino ndi kuipa ndi kutenga njira udindo mapeto a kubweza ndikupeleka. Portal Move.su ndikukhumba inu kuti kuonedwa ndi kusankha!