Yopulumutsa Ndalama: Zopereka popanda chiopsezo.

Propensity kupulumutsa - mbali yofunika kwambiri ya umunthu. Childs, kuchuluka avareji ndalama - okwana ndalama munthu anachokera ku magwero osiyanasiyana kwa miyezi 3 1 chaka. Malinga ndi sayansi za khalidwe la anthu, boma boma, pali 200 (!) Pa magulu anthuwo chikhalidwe zopanda ziphunzitso zawo. Mwachidule - ndalama apulumuke zopereka popanda chiopsezo mwina chifukwa zolinga zosiyana. Kwa anthu amene amatsatira mfundo zamakhalidwe abwino khalidwe la ogula anthu, izi zikhoza kukhala ukwati zazikulu, koyamba kubweza malipiro pa nyumba, kugula galimoto zodula. Magulu ena okhudzidwa - ulendo chachikulu, kugula katundu mu dziko, kuthera yopuma (njinga yamoto, bwato, ndege ndi zina).

Chophweka njira kupulumutsa ndalama - kubwezeretsanso gawo banki. Tikhoza kunena kuti ndi - chopereka chiopsezo-free, kuyambira chitetezo cha madipoziti kuti rubles 700 zikwi boma Reserve (mu Russian - Agency Gawo Insurance), umene aliyense banki ndi chiphatso, zimapangitsa zopereka. The sangathe chachikulu cha mtundu wa ndalama - mitengo otsika chidwi (mpaka 12%), chifukwa ndalama nthawi zonse depreciating. Choncho amene amaganiza za kudzikundikira, tiyenera kukumbukira - weniweni kufufuma mu Russia kumapeto kwa 2012 analipo oposa 15%!

Njira zina kuti msonkhano gawo banki (zoona, chopereka popanda chiopsezo) munthu amene alibe maphunziro apadera, pang'ono. Tiyerekeze izo zikhoza kukhala ndalama madzi, koma ndi masoka a chuma US kapena mayiko European Union ndi yowopsa kwambiri. Imodzi mwa njira - golide, koma mwalamulo (kudzera Bank ndalama) n'zotheka kugula mitengo yekha apamwamba.

Komabe, pali njira - kuti aganyali mu gawo likunena kukula kwa chuma Russian - yomanga yaying'ono-ngongole ndi malawi bajeti. Ndipotu, "Alefa ndi Omega" wa chuma chathu - mafuta, ndi zaka zikubwerazi, malinga ndi akatswiri, mtengo mlingo wa gwero sanali zongowonjezwdwa sizinasinthe kapena kuonjezera. Chifukwa, inflow wa ndalama zakunja ku Russia apitiriza. Choncho, ogula ntchito adzatsala mkulu, ndi gawo ndalama zidzakuyenderani bwino.

mwayi kuti aganyali m'mafakitale awa amapereka Metropolitan Financial Corporation gulu la makampani, kuphatikizapo yaying'ono-zachuma bungwe "MFI-banki", bajeti mapulogalamu a malawi "AMADZIFUNSA", alendo kampani "EstKlab Lazaro". ndalama ndi padera mu ntchito kwenikweni zolowa (osati reborrow ku Bank ku Central pa mtengo mkulu wa refinancing, monga ankachitira ndi mabanki malonda), choncho imapereka chitsimikizo cha profitability - 17% pa annum. Kotero tikhoza kunena kuti timakhala ndi nthawi ino. Mawu a ndalama ndi otsika mtengo nyumba adzakhala kufunika kosatha! Komanso, "Capital Finance Corporation" ndi okonzeka zopangidwa njira ya kupeza nyumba kutsirizidwa mu LCD lalikulu mu Moscow kapena dera Moscow.