Kodi ndingapeze kuti kukonzanso ngongole?

Kubwezeretsanso ndalama zogulitsa ngongole sikunali kosiyana ndi ntchito yofananayo ponena za ngongole ina iliyonse. Ndondomekoyi ndikalandila mu kampani ya ngongole ya ndalama zambiri pazinthu zoyenera kubwezera zomwe zilipo kale. Pa nthawi yomweyo, ngongole yoyamba ikhoza kutengedwa ku banki imodzi kapena ku bungwe lina la ndalama.

Koma sikuti mabungwe onse a ngongole angaperekeko kubwereketsa ndalama. Mabungwe omwe amakhudzidwa ndi zochitika zoterezi ku Russian Federation akuyimiridwa ndi VTB 24 ndi Sberbank. Pamene mukubwereka ngongole kuntchito zina (monga ngongole yamagalimoto kapena ngongole ya ogula) mungapezeke m'mabungwe ambiri azachuma.

Kubwezeretsa ndalama za ngongole imaphatikizapo kuti ngongole yatsopano imatengedwa, kuchokera ku ndalama zomwe ngongole yapitayo imachotsedwa. Pangano la katundu lilembedwanso kwa wobwereketsa watsopano, ndipo wobwereka akubwezera ngongole ku bungwe latsopano la ngongole. Kawirikawiri, opaleshoni yotereyi imachitika ngati n'zotheka kuchepetsa chiwongoladzanja, kusintha kukula kapena ndalama ya malipiro. Mwachitsanzo, mitengo ya ndalama zogulira ndalama nthawi zambiri imakhala yochepa kwambiri kuposa ya rubles. Komabe, malipiro amaperekedwa mu ndalama za Russian. Mwachitsanzo, kukula kwa dola, ndalama zowonongeka pamabanja zimakula, popeza ndalama zambiri za ruble ziyenera kukhala madola. Choncho, nthawi zina zimapindulitsa kwambiri kubwezera ngongole mu ruble. Zingakhalenso zosangalatsa kubwezera ngongole kwa nthawi yaitali yobwezera. VTB 24 pambali iyi ikhoza kukhala mwini wogulitsa, kupereka nthawi yoposa zaka makumi asanu.

Ndi bwino kuyamba kubwezeretsa ngongole kubanki yomwe poyamba inalembedwa, monga momwe zilili ndi mgwirizano wa ngongole ndi chilango cha kubwezera koyambirira kwa ngongole kapena kusokoneza kusamaliridwa koyambirira . Ngati banki silingathe kupereka chithandizo pa ngongole, ndiye kuti mukhoza kupita ku bungwe lina la zachuma. Pa nthawi imodzimodziyo, muyenera kuwerengera ndalama zatsopano zomwe mungagwiritsire ntchito ngongole, komanso kudziwa kusiyana kwa chiwongoladzanja. Akatswiri amakhulupirira kuti refinancing n'zosatheka ngati chiwopsezo chatsopano chimasiyana ndi chaka chapitalo ndi zosachepera awiri peresenti.

Kubwezeretsa ndalama za ngongole imapangidwa mofanana ndi ngongole yachizolowezi. Mgwirizano walamulo kapena munthu amapereka ntchito, ndi ngongole Chikhazikitsochi chimayesa solvency yomwe ilipo. Ngati munthu amene ali mu mbiri ya ngongole anali mu malipiro a ngongole yoyamba, ndiye kubanki ina akhoza kukanidwa pa ngongole, ngakhale ali ndi ndalama zambiri.

Chinthu chochititsa chidwi kwambiri kwa aliyense wobwereka ndi mlingo wa refinancing. Kuchokera pazinthu izi ndi chida chotsika mtengo "chifukwa chotsika mtengo", chifukwa chiwerengero apa ndi pafupifupi 12.5 peresenti (mwachitsanzo, ku Sberbank). Izi zimachokera ku ngongole zambiri komanso nthawi yayitali. Ngakhale mitengo, mwachitsanzo, pa ntchito ya ngongole ya ogula akhoza kukhala 18-20 kapena kuposa.