Mlingo wa refinancing wa Bank of Russia n'chiyani, ndipo kodi kukula kwake?

mlingo wa refinancing a Kodi Bank of Russia? Ndi nkhani zofunika kwa chuma ndi speculators ndi amalonda, ndipo ngakhale oimira gawo la kubanki. Tikhoza kunena kuti mlingo waima mtundu ndalama okwanira ndi Bank ku Central wa Russian Federation mabungwe ang'onoang'ono ndalama. Bank chapakati amapereka ngongole ku mabungwe ndalama malonda, zomwe zina kongoletsani anthu (nzika) ndi mabungwe alamulo (makampani, mabungwe ang'onoang'ono ndi mabungwe).

The refinancing mlingo kuchita

Kuti timvetse bwino zimene refinancing mlingo Bank of Russia, ganizirani njira ya utuluke ndalama za kayendedwe. Malonda mabungwe a zachuma kutenga CBR ndalama ngongole. Mwachitsanzo, madola milioni. Patapita chaka chimodzi, membala wabwino wa zachuma azibwerera ndi CBR kubwereka madola miliyoni kuphatikiza chidwi ntchito zake. Panopa mlingo refinancing Bank of Russia ndi Choncho anthu kuti ayenera kulipira ang'ono banki malonda, kuwonjezera chachikulu. M'chaka, pamene wamng'ono bungwe ndalama amagwiritsa ntchito ndalama CBR, limapereka ngongole kwa anthu ndi mabizinesi pansi kuchuluka kuti ndi apamwamba refinancing. Kusiyana pakati pa mlingo wa Bank ku Central ndi chiwongola dzanja limene ndalama amapereka dongosolo malonda, ndipo pali phindu chatha. ngongole CIMODZI CIMODZI, komanso ophunzira onse mphotho yawo chiwembu ndalama.

Chifukwa CBR sizigwira ntchito ndi nzika mwachindunji?

CBR sizigwira ntchito ndi anthu payekha ndi malamulo mwachindunji chifukwa buku la ankayendetsa zing'onozing'ono chuma ndi mu mamilioni, ndipo ngakhale makumi ndi mamiliyoni a madola. Chotero ndalama kwa amalonda chabe unmanageable. Small mabungwe a zachuma ochirikiza m'khalapakati loyambirira kukongoza Kapangidwe ka anthu. Kwa mabungwe a zachuma - ndi mwayi kupeza. Ogwiritsa Zikatero, kulandira chithandizo khalidwe chuma dongosolo yaikulu ya nthambi ndi maudindo, pamaso pa nyumba ndi ambiri ATMs. Kuganiza kuti kukula kwa Bank of Russia mlingo refinancing adzakhala wofanana 10%. Pankhaniyi, anthu ndi mabizinesi adzalandira ngongole pansi 18%. Chifukwa, osunga ndalama adzalandira phindu ukonde kuchuluka kwa 8% ya malipiro okwana ntchito ndalama.

Anandilola ngati anthu awo ndi opereka anthu ambiri pazipita chiyani?

Small mabungwe ena azachuma akhoza kubwereka ndalama ku Bank ku Central pa mitengo otsika chidwi ndi anthu iwo akhoza kusamutsa ndalama pansi pa kuchuluka chimene akufuna. Theoretically, monga kuthekera alipo. Komabe, muyenera kulabadira kwa mpikisano, limene atangothamangitsidwa kumene mu gawo Russian ndalama pa kumangika. Kwambiri ziwawa chidwi m'mbuyo makasitomala. Takambirana kale za zimene mlingo refinancing Bank of Russia. Zimachitika kuti iye ndi malamulo angapo ukulu poyerekeza kuti kupezeka kwa nzika wamba a dziko. Komanso, maganizo ambiri a nyumba malonda musati amasiyana kwambiri. Pali kuchotserapo ku msika. Mwachitsanzo, mabungwe ngongole zikugwira ogula kukongoza m'masitolo akuluakulu ndi ngongole kudzera, akhoza kukhala mlingo wa 30 70%. Fufuzani makasitomala zochokera kuwerenga maganizo a anthu amene akufuna kugula. Ndi iwo amene, chifukwa cha kusowa kulemba ndalama, muziona wamng'ono phindu mgwirizano.

Kodi mlingo wa refinancing?

Mlingo refinancing wa Bank ku Central la Russia anatsimikiza chifukwa amaganizira zinthu ziwiri. Izi zili leni chuma dziko ndi mlingo wa kufufuma. Ndi kukula kufufuma ndi kukula mlingo. Ndi kutsitsa kufufuma ndi zimachepa. zinthu tinganene kuti kuchokera ku mbali yina. Pamene mlingo chidwi Bank of Russia refinancing ndi otsika, anthu ali ndi mwayi wokhala ndi ubwino chotchipa ngongole. Mitengo pa iwo adatchithisira kwambiri mu nthawi imeneyi, anthu anali angavomere, chifukwa kugula chirichonse chimene iwo akufuna, pa overpayment osachepera. ubwino munthu ali ndi makampani kuti tingathe kupempha ndalama kwa zochita zawo. Kuchita nawo ntchito ndalama "wotchipa" limachititsa kutulutsa mabuku lalikulu la mankhwala ndi kupeza zina akadzabweranso mkulu pambuyo kukhazikitsa.

Pamene mlingo amasonyeza chikhalidwe chuma cha boma?

Mlingo refinancing wa Bank ku Central la Chitaganya cha Russia amachita monga ngati chizindikiro cha dziko la chuma cha dziko ndi miyezo anthu amoyo. Pa chiwerengero otsika ngongole anthu chimaoneka pa manja a ambiri ndalama. Anapanga kufunika lalikulu katundu mogwirizana ndi mwayi wa kugula awo. Chifukwa, pambuyo pa nthawi katundu ayamba kukwera mtengo chifukwa kuchepa kwawo. zinthu imayendetsa kufufuma. Iyi ndiyo njira ya depreciation ndalama kuwalitsa mwayi kugula kuchuluka osiyana kwa katundu yofanana. Ambiri kufufuma amasonyeza ubwino wa anthu. The apamwamba zigoli, m'munsi apamwamba mlingo wa bwino ndi madandaulo. Mlingo refinancing wa Bank National zikusintha, monga mlingo kufufuma kusintha kudzera mwa iwo. Kuletsa depreciation ndalama, mlingo wochuluka imbaenda ku adzauka pa mtengo wa ngongole, kuchepetsa kufunika kwa iwo, ndi kwa kuchepa mphamvu kugula.

mitengo kulankhulana ndi misonkho

Kuwonjezera kukongoza, ndi refinancing mlingo wa Bank ku Central la Chitaganya cha Russia ntchito mwakhama m'munda wa misonkho. Mwachitsanzo, ayenera ananena za misonkho ndalama nkhani gawo, chidwi pa zomwe ndi apamwamba kuposa mlingo refinancing ndi mfundo kuchuluka koposa 5. Mwachitsanzo, ngati mlingo refinancing adzakhala wofanana 10% ndi mlingo gawo la 15%, palibe msonkho. Ngati mlingo gawo adzakhala wofanana 20%, muyenera kulipira msonkho kwa boma kuchuluka kwa 35% ya owonjezera 5% ya gawo lapansi.

mitengo kulankhulana ndi maudindo mabwana

Mu kuphunzira zimene refinancing mlingo Bank of Russia, ndi ofunika ponena kuti amachita monga chida, ndilo maziko kudziwa chipukuta misozi, amene anayika antchito pa malipiro mochedwa malipiro, pa akuchedwa kugulitsa kapena ndalama zimene ayenera kulipira ogwira ntchito nkhani ya kuchotsedwa. Malinga ndi malamulo Russian, bwana ayenera kulipira ndalama zonse za ngongole, kumene anawonjezera kubwezera ndalama, masamu pamaziko a mlingo. Izo sizidzakhala zosakwana 1/300 a mlingo refinancing tsiku lililonse yomweyo. Chizindikiro ntchito ndi mawerengedwe a ndalama, amene wapatsidwa monga chilango pa kuzemba msonkho ndi milandu ina.

Pamtengo mu Russian

The zinthu ziliri mu dziko amapanga malamulo yake. Aakulu mavuto azachuma amakakamizidwa mabanki kuti Russia ochuluka kufunsira chithandizo kwa Bank wa Central. Akubwereketsa kuwalola atsatila ndi udindo wake kwa makasitomala. Disbursement peresenti nyumba malonda otchedwa refinancing. Kwa nthawi yoyamba Russian Bank refinancing mlingo anabwera mu 1993. Mmenemo mwadongosolo anasintha kwa zaka 10. Russia nthawi kufuna kudzapeza kuchepetsa index ichi, kuti mlingo wa mayiko kutsogolera. Makamaka mu Japan mlingo ndi 0.1%, zomwe kwathunthu amasonyeza mkulu mlingo wa chitukuko cha dziko. Mu Russia, ndi chiwongola dzanja ndi 8,25%, amene numerically ndi mwapadera kwa mlingo wa America, mu zinthu m'mayiko monga zosiyanasiyana kwambiri.

mlingo wa refinancing Ndipotu ndi chiyani?

Akuti mlingo refinancing mu Russia ndi kukhala chida champhamvu kwambiri pochita ndondomeko ndalama. Kusintha izo ziyenera kuchitidwa kuti zonse kuchuluka kwa ndalama, kuchuluka kwa zomwe ndi mbali yaikulu pa mayiko onse. N'zotheka kudziwa kuti chida si ntchito, kuyambira otsiriza kusintha mlingo chinachitika mu 2012. Osati ntchito m'munda wa ndondomeko ya ndalama mlingo woyikidwa amaonekera pa zachuma. Lamulo kuchuluka kwa ndalama mu dziko likuvutika mpweya. Kunena zoona, index kukula ndi kuchuluka kwa ndalama - kufunika kwambiri sanali zimavuta. Kunena zambiri, pafupifupi kwathunthu popenyana ndi sizisonyeza mzake. akatswiri ambiri amaona kuti vuto mkhalidwe wa underdevelopment monga amafuna malo mitengo ndi. mabizinesi ngakhale ali pobwereka ndalama zambiri Bank Central, kuyambira tsiku limodzi mlingo repo. Malinga ndi chizindikiro iyi inakhazikitsa ngongole kwa anthu ndi mabungwe alamulo. Mwina kudziŵika kuti mlingo refinancing si kuposa amaphunzira ndi chida declarative, osati kupereka amadza bwino pa mfundo ndalama za boma.