Kodi nditenge kubweza pakali pano? Kodi zaphindu kutenga kubweza tsopano?

Kupeza ndalama mu Russia ndi zovuta kwambiri, ndipo anthu ambiri amaganiza za pofuna chitetezo cha ndalama ndi pakuika iwo kugula yaing'ono. Ena amanena kuti aganyali malo likuvutika ndalama munthu, pamene ena kudalira ngongole kubanki. Koma ngati kutenga kubweza ndi tsopano nyumba? Mwina pali njira yabwino kwambiri kuti aganyali?

Kubweza mavuto: magulu awiri zizindikiro

Kuti tiyankhe funso kaya kutenga kubweza pakali pano, pamene panali mavuto azachuma, zidzakhala zothandiza kuyamba tione zimene ali yantchito Magawo ofunikira a mavuto a banki mu Russia, zimene akatswiri ambiri akunena. Kenako uyese kudziwa kuchuluka amachititsa zinthu izi, EU ndi US ziletso ndi Russia - ndi imafunika mbali yofunika chakuti aliyense zizolowezi zovuta mu chuma Russian.

Choncho, kodi mavuto m'dongosolo banki dziko la Russia? Akatswiri magulu awiri aakulu zizindikiro zamavuto, amene nawonso, akulamuliridwa ndi chiwerengero chachikulu cha zinthu zosiyanasiyana.

mavuto solvency

Chizindikiro choyamba cha mavuto: kuchepekela solvency wa anthu. Anthu chabe sangakwanitse apereke ngongole watsopano. Zimenezi, amagwirizana ndi zinthu zotsatirazi.

Choyamba, kukwera kufufuma, akuchuluka mu mitengo ya katundu ambiri ogula, makamaka kunja. Kukwera kwambiri noticeable mu mtengo za magetsi banja. Ndipo zimenezi ngakhale kuti malipiro weniweni ukuwonjezeka ndi ngati izo siziri mu kufanana ofanana. likunena monga kuwuka kwa nyumba ndi ntchito limodzi zoyendera mitengo. Zotsatira: nzika palibe ndalama yatsalayi mathandizidwe ngongole.

Kachiwiri, ndi mbali zofunika kwambiri za nzika zakreditovannost. Anthu ambiri kwambiri ndikuganiza kwambiri ngati kutenga kubweza pakali pano, nanga bwanji kubweza ngongole m'mbuyomu. Russia ambiri amavutika ndi alipire ngongole panopa.

Tsopano tidzayesetsa kudziwa mmene yaikulu kwa mawu chizindikiro choyamba cha mavuto ziletso pa za chuma ndi Russia. Ponena za chinthu choyamba, mwina zotsatira ndi. Adzawuka mtengo wa akatswiri chakudya kugwirizana ndi embargo chakudya cha Russia ndi ogulitsa European - ndipo izi ndi zolowana kuti ziletso pa. Izi akuchitanji Russian kwa iwo. Ponena za chinthu chachiwiri - zikuoneka mlandu ziletso ndi wachibale. chakuti chochuluka cha ngongole misa chimatsatira Russia kale mavuto a mavuto azandale.

Mwina tikhoza kuona kuti zinthu zonse zapangika chizindikiro lolingana zogwirizana. Rise mu mtengo wa katundu ndi ntchito N'zoonekeratu kwambiri zochepa solvency wa wobwereka kuthekera, anapereka kuti ali ndi ngongole.

Mavuto ku mabanki

Chizindikiro chachiwiri cha vutoli: kuwonongeka kwa zinthu pa gombe, chifukwa - kulephera kwa mabungwe ndalama kuti ngongole, kuphatikizapo zanyumba, ndipo akawapatsa chitonthozo zinthu wosuta. Mfundo za nkhaniyi, nayenso motere.

Choyamba, magombe tsopano okha kwambiri ufulu likulu. Kuti chinachake kupereka borrowers mabanki zinthuzo. Liquidity Russian mabungwe ngongole ndi akatswiri ambiri imawunikidwa monga otsika.

Kachiwiri, mabanki, oddly mokwanira, ndi zikufanana ndi borrowers ndi - mu mawonekedwe a ngongole katundu. Popeza kuti anthu ambiri amene ali - ndalamawo yachilendo, ndi Russian Bank Central.

Poyankha, tidzayesetsa kuona ngati ziletso ndiwo amachititsa imeneyi? Akatswiri ambiri amakhulupirira kuti izi ziri choncho. Chifukwa chiyani? Gululi view izi kutsindika kuti mbali yaikulu ya ngongole Russian ndi mabungwe a zachuma - amangawa wa angongole yachilendo. Iwo ali mu zaka pamaso ziletso zikukangalika ikuchitika ngongole yachilendo, masuku pamutu zinthu wokongola Chidwi. Ngongole kuchira makamaka kuyembekezera chifukwa cha njira refinancing - chifukwa akutenga ndalama latsopano yachilendo. Tsopano, pamene ziletso ndi mabanki Russian saatha kubwereka kunja zachuma muyenera kuyang'ana magwero latsopano la malipiro. obwereketsa ambiri, akatswiri kunena, alibe nkhokwe yake kwa cholinga ichi. Makamaka mulibe likulu kuti apereke monga ngongoleyo.

Mu patsogolo - zinthu ku gombe?

Zoneneratu mmene kukhala kubweza, zimene adzakumane kuchokera kumsika, Pamlingo waukulu zimadalira, akatswiri kunena, pambuyo pa zonse za zinthu zenizeni mu mabanki. Zakufa, ntchito ya borrowers kuthekera, pa siteji lofunika sekondale. Ngakhale Russia analibe vuto ndi solvency, malinga ndi ukuwonjezeka mtengo (makamaka - mu zamagetsi ndi katundu wina kunja) ndi kupanda kukula weniweni malipiro, vuto ambiri a makampani banki ali patali kuchokera akadakwanitsira, ku msika kubweza zachitika monga mwachangu monga zaka zingapo zapitazi, chuma ndikukhulupirira.

Zichotseni pa anthu ndi

Ambiri mwina, akatswiri mabanki ndi ngati okonzeka mwachangu kongoletsani kwa anthu pa nthawi ya mavuto, iwo adzachita izo, kwambiri kulera chiwongola dzanja. Kapena kwambiri kumangika kwa muyezo ngongole ovomerezeka. Choncho n'zotheka ndithu zimene zinkachitika munthu ngakhale kuganizila ngati kutenga kubweza pakali pano. Ambiri mwina, banki chabe sadzatha kupereka ngongole kwa chilengedwe omasuka. Kapena kukana pempho chifukwa mavuto zimayambitsa mkati. Chiyani tinganene kuti atenge kubweza pakali pano, pamene banki ali kutali ndi vuto mulingo woyenera? Akatswiri ambiri amakhulupirira kuti mtundu uwu wa asankhe koma wolungamitsidwa kwambiri.

Ngati ntchito ali wobvomerezeka

Taonani script wabwino - mwachitsanzo, anthu Russian alibe mavuto ndi ngongole ndi, malipiro ake okwezeka, ndi banki, mfundo okonzeka kumupatsa ngongole kugula nyumba. Kodi nditenge kubweza kuti tsopano ndi nzika? Yankho la funso limeneli, kudzapatsidwa, zochokera kuphunzira zinthu chifungulo cha tagwirizana ndi sizichitika, kuti pa kugula nyumba patapita kanthawi adzakhala mtengo kotero kuti kubweza idzakhala opanda pake kwa munthu?

Mu mbali iyi, posankha mfundo kapena kutenga kubweza panopa, zingakhale bwino kufufuza msika si kwambiri pa maganizo a za mavuto zikuchitika ku mabanki ndi ziletso, koma mawu a kusanthula azimuth kuwalitsa mphamvu ya kugula ndi kugulitsa malo. Inde, nkhani zandale n'chofunikira ena. Koma chofunika kwambiri ndi chiyembekezo cha ndalama mu nyumba, malinga ndi zimene akatswiri - zinthu pa msika zogwirizana.

Zimene zikuchitika ku msika malo

zili mu gawo malo a bizinesi ndi chiyani? Tsopano kopindulitsa kutenga kubweza mu mawu a kuyembekezera kayendedwe nyumba mtengo? Akatswiri kudziwa zochitika zitatu zotheka za chiyembekezo cha chitukuko msika.

Malinga ndi mitengo woyamba, malo mu zaka kudza adzatsala pa mlingo kwambiri kapena zochepa lolingana pano. Gululi view ino amakhulupirira kuti panopa malo msika mu mawonekedwe a mitengo, okwanira ndi kufunika mu mgwirizano mokwanira. The kuchepa angathe ntchito ogula chifukwa kukongoza zochepa ndi mabanki ndi otsika platezhesopobnosti borrowers, chuma ndikukhulupirira, kutsatana lolingana kuchepetsa maganizo - kukuchitika chifukwa chakuti eni nyumba amakonda kudikira kunja mavuto, osati kugulitsa nyumba kwambiri wotchipa. Tsopano kopindulitsa kutenga kubweza correlative ndi chitsanzo ichi? N'zokayikitsa kwambiri. Mitengo sizinasinthe, ndi chidwi ku banki, amene Komanso akhoza okwezeka chifukwa cha vutoli, kulipira.

Komabe, mfundo ndi nkhani nyumba pangongole, ngati anthu tsopano kubwereka nyumba, ndipo pafupifupi kuchuluka kwa ndalama kukhala mwachinsinsi ndi rents lapansi. Komabe, njira imeneyi kumafuna pamaso pa nzika ya ndalama kwa malipiro pansi pa kubweza lapansi. Ndipo mu nkhani iyi, angakhale yopindulitsa kwambiri kuti apereke monga gawo ndi kulandira chiwongola dzanja, chifukwa zimene pamapeto, kulipira rents nyumba. Ena mabanki tsopano kupereka kupanga gawo la 20% ndi apamwamba. Ichi ndi chifukwa, monga akatswiri, ndi kuwonjezeka mu Bank chapakati refinancing mlingo, amene anayambira 17% mu December. Ngati ife monga maziko nkhani zafotokozedwa pamwambapa, ku mfundo ndalama maganizo, gawo adzaoneka yopindulitsa kwambiri kupatula mu nyumba ndi - ndi chodziwikiratu kuti, mu nkhani iyi, umachuluka 20% kwa chaka, ndiyeno pa mlingo yomweyo, pamene ngati gawo ndi chidwi accrued ikuchitika ndi banki mu kupitilira.

The Tiyerekezenso amaganiza kuti malo mitengo akadali adzauka. Izi zidzachitika chifukwa anthu adzakhala makamaka inflationary njira. Kuyembekezeredwa, mwachitsanzo, kuti Polongosola mwachidule chuma mu 2014 chiwerengerochi lolingana adzakhala upambana 11%. Ngakhale malo msika kufunika sadzakhala mokwanira zazikulu, akatswiri amanena, kuchuluka kwa mitengo nyumba, ambiri, tingayembekezere mawu mwachinsinsi ndi kufufuma. Ndiyenera kutenga kubweza tsopano, ngati ife tiyerekeze?

Ambiri mwina, mfundo kutchulidwa kwa wogula angathe Pankhaniyi kudzakhala pafupifupi mofanana pa nkhani ya chimake choyamba. N'zotheka kutenga ngongole kwa nyumba, ngati inu panopa nyumba chikutha ndipo malipiro chidwi adzakhala yemweyo, kapena ayi kwambiri kuposa lendi. Kapena ikani chuma cha kuchuluka kuti Akusonkhanitsa kwa ndalama zolowera koyamba, kupeza chidwi likuvutika kulipira renti.

Nkhani lachitatu adzatenge kuchepetsa mitengo nyumba. Ichi ndi chifukwa Zikatero, mwina vutoli pakati okwanira ndi kufunika pa msika, sipangakhalenso usavutike chifukwa chakuti zisakuyenda buku chapadera cha thumba la zomangamanga chinafika ku Russia. Ngakhale kwambiri nyumba yomwe ikumangidwa mu chimango ntchito imeneyi - chilungamo, kuchuluka koma kwambiri a iwo kenako kugulitsidwa pa mtengo msika kapena Mwachitsanzo, kukhala resold. Iwo akhoza kulenga, monga ena chuma, mwa kundipatsako owonjezera mu msika nyumba.

Mwina, ngati mutsatira chitsanzo ichi, palibe ngakhale kudziwa ngati kutenga kubweza pakali pano. Ndithudi, izi si njira yabwino. Pankhani kupeza kopindulitsa ndalama, n'zotheka kulabadira madipoziti lapansi. Ngati pali kufunika kwa nyumba - bwino komabe kubwereka, makamaka chifukwa mitengo zogwirizana zambiri kucheperachepera pambuyo gawo malonda.

zinthu zogwirizana

Komabe, aliyense wa zitsanzo mu msika malo Pamlingo waukulu zimadalira zinthu ku gawo la banki, ndi mlingo wa solvency wene. Choncho tikhoza kunena kuti vuto zinthu zafotokozedwa pamwambapa chikoka mwachindunji pa msika nyumba, komanso pa wina aliyense. Komabe, akatswiri akukhulupirirabe kuti cholinga msika mphamvu - okwanira ndi kufunika - anapanga mchikakamizo cha zinthu anatchula malire. i zofunika kwambiri zimene zimasonyeza zosowa zenizeni za ku Russia mu osiyanasiyana nyumba, kutenga nkhani zotsatira za kusamuka, kusintha yomanga luso nyumba, etc.

chinthu dollar

Akatswiri ena Komabe, amaona kuti chovomerezeka kuonetsetsa komanso nkhani chachinayi, zokhudza kuwonjezeka kwambiri mitengo chuma chifukwa zotsatira za wapadera, mu nzeru zina, chinthu. Monga amadziwika, dollar anaimirira ndi ruble mu 2014, kuwirikiza kawiri. Komabe, ambiri mwa ndalama za maiko ena osauka, kuphatikizapo mayiko CIS, choncho palibe mtengo kwa US. Chifukwa cha zimenezi, malipiro ambiri ndalama mu Russia Mwachitsanzo, mu Kazakhstan, pafupifupi angaimbidwenso, kapena ngakhale mwina anayamba kupereka njira zomwezi pa dziko loyandikana nalo. Chifukwa cha zimenezi, nyumba latsopano la Russia mu mawu a, kuti, Chikazaki tenge inayamba mu angapo zigawo kwambiri mtengo kuposa maiko oyandikana. Nzika za Kazakhstan ku chimaliziro kwa Russia ndi kugula nyumba kuno. Vuto limeneli, pamene ena chuma apitirize ndi kuvutika chifukwa ntchito zofanana anthu a m'mayiko ena oyandikana - Belarus, Azerbaijan, ndi Baltic States, mwina China. Izi akhoza kumlingo kuti kutenthetsa kufunika kwa malo ndi kudziwa mphamvu ya kukula mtengo owonjezera kufufuma.

Mwina ayenera kudzifunsa posankha mfundo kapena kutenga kubweza ndi maganizo Katswiri za Tiyerekezenso wachinayi, koma pokhapokha ngati iye amakhala mu mzinda malire. Kuti, njirayi mukhoza kutengedwa ngati isanafalikire.

anapezazo

Choncho, ife apeza zinthu zazikulu kudziwa mavuto a mu malo mumaganiza msika, ndi kuwunikira nkhani zikuluzikulu, kuphunzira zimene udzatithandiza kudziwa kuti, ngati kutenga kubweza pa nyumba ya zinthu ziliri msika.

Tiyeni tiyese mwachidule. Choncho, msika wa banki kukongoza - mavuto. Banks, mu Mwina sadzatha kuti apereke ngongole ndi mphamvu ya zimene achita m'zaka za m'mbuyo m'mikhalidwe mofanana chidwi. Borrowers Zikatero, nthawi ndi luso cholinga kuti amalizitse ngongole. Chotsatira - kuchepetsa zikufunika kwambiri. Chifukwa mavuto a banki - mavuto azandale. Choncho, kudziwa kuti, ngati m'pofunika kuti atenge kubweza tsopano, pamene iwo amapita ku EU ndi ziletso US ndi Russia mwina anganene kuti ayi. Ife kudikira mpaka zinthu ndi kukhazikika mu mabanki, iwo adzapeza gwero watsopano ngongole kubweza udindo zilipo, kapena angathandize mu boma ili.

Chinthu chachiwiri chimene angachite kusankha ngati kutenga kubweza pakali pano - zinthu mu Russian msika malo. nkhani ya momwe ziriri pano ndi chuma atatu. Izi olimba a mitengo, kukula otsika, mwachinsinsi ndi kufufuma kapena kuchepa. Kapena, ngati munthu amakhala m'tauni malire, kuwonjezereka pang'ono mu mtengo wa nyumba.

Ndiyenera kutenga kugulira nyumba? Ubwino ndi kuipa kwa chisankho ndi kulemekeza zinthu ziliri msika, pali zoonekeratu ndithu. Mwa ubwino - mwayi kuti aganyali ngati ankafuna m'tsogolo chidzakula. Chuma, ngakhale, ndi kuzama ndithu mavuto masiku ano amakhulupirira kuti zinthu zikhala bwino zidzachitika m'tsogolo - likuvutika zotheka kubweranso kwa mitengo mafuta, inatha M'MALO, osiyana a chuma. Komanso ndalama malo, osachepera, kuonetsetsa chitetezo cha ndalama padera mu malumikizanidwe ndi kufufuma. Pali zinthu zingapo zoipa za zochita pa kugula nyumba - Mwina kugwa mitengo kapena kusowa kukula si mkulu. Palibe mmodzi kapena ena sadzakhala lipindulitsa pa wogula nyumba ya. Komanso, nthawi zambiri, panthawi imeneyi, magombe sangathe kupereka zinthu zabwino kwa chidwi wobwereka.