Ndi chiwongola dzanja kubanki chiyani?

anthu ambiri mwakhama ntchito misonkhano ya mabanki. mabungwe Financial kupereka ngongole, madipoziti, chidwi mwankhanza. Nkhani imeneyi ayenera kulankhula mosamala kwambiri, kotero kuti palibe mavuto zina anauka. Ngati ngongole iliyonse kasitomala akufuna kupeza chiwongola dzanja otsika, ndiye pamene kulowetsa mwini ndalama zake - yopindulitsa kwambiri. Koma aliyense banki amapanga zinthu zake za utumiki. Kodi chiwongola dzanja nanga masamu?

tanthauzo

Anthu ambiri amakhulupirira kuti ngati kuchuluka ndi 12%, ndiye lonse ndi wofanana ndi overpayment 12%. Koma zimenezi si zoona, ngati chizindikiro ichi kuchita masamu kuti chaka. Mwachitsanzo, ngongole ndi linapereka zaka 5, kuchuluka kuchita masamu kuti chaka cha ntchito ndalamazo. Iye wapatsidwa kwa muyezo. Nthawi zambiri ngongole, zazikulu overpayment.

Ndi kulembetsa ya mgwirizano ayenera kulabadira zinthu. mabungwe a zachuma mlandu kuchuluka osiyana. Mwachitsanzo, MFIs mlandu ndi overpayment tsiku lililonse, ndipo mabanki zambiri kwa chaka. Kodi ndi chiwongola dzanja pa madipoziti? Ichi ndi kuchuluka kwa phindu, amene wapatsidwa kwa kasitomala makonzedwe kwa kanthawi ndalama ku banki.

amakhudza Kodi mtengo?

kuchuluka The kuchita masamu pa maziko a mlingo Bank Central. Mwachitsanzo, ngati 8%, ndiye palibe bungwe sangathe kongoletsani ndalama kuti borrowers pa overpayment m'munsi. Kawirikawiri ntchito banki ali operekedwa ndi kuchuluka kwambiri.

Pali mawu monga kufufuma. Chaka chilichonse pali depreciation ndalama. Ngati mabanki mutenge mitengo m'munsi, phindu osakhala.

Womwenso mtengo wa ngongole?

Wobwereka ayenera kudziwa osati zimene chiwongola dzanja, koma monga ngongole. Iwo masamu pamaziko a:

• mlingo wa kufufuma, mu Russia ndi za 7% chaka;
• banki si apereke ndalama zake Mwaichi ali ndalama: Ndalama wofunikila yokonza madipoziti, amene ali m'gulu la ngongole ya;
• zina, mabanki ndi kutenga ndalama zinachokera ku mabungwe ena, ndi borrowers kulipira ndalama interbank;
• Aliyense banki ali sanali opereka, amene m'gulu mtengo wa ngongole;
• Bank chimachititsa chitukuko: ndikofunikira kupereka malipilo a wogwila ntchito, ndalama zina, imene komanso kulipira makasitomala.

Kuchokera pa malamulo amenewa mawerengedwe tinganene kuti mlingo kuganizira. ndalama zimene malipiro a banki zosowa zake ndi phindu.

Low ngongole chiwongola dzanja

Kawiri kawiri mutha kupeza mabanki, mitengo chidwi ndi otsika kwambiri. Lililonse wobwereka akufuna kupeza ndalama, osati kwa overpay kwambiri. Koma ngakhale mlingo yaing'ono silimanena kuti ngongole adzakhala wotchipa.

malonda banki nthawizonse anasonyeza mlingo wotsikitsitsa chidwi pa chaka. zithandizozi anthu ochepa makasitomala. Ndipotu ndi gimmick, koma mlingo weniweni wobwereka adzadziwa pambuyo kusiyidwa ntchito ndi kuzipeleka kwa mapepala. Chiwerengero anatsimikiza ndi solvency wa wobwereka, ndi mbiri ya moyo wake ngongole ndi zinthu zina. Ndi kukula banki chidwi chimakwirira ngozi zake, formalizing mgwirizano ndi wobwereka lapansi.

A mlingo yaing'ono limasonyeza. The Bank nthawizonse kulandira phindu lawo, koma wobwereka amaoneka ndalama zotsatirazi:

• premiums inshuwalansi;
• chindapusa cha kutsegula ndi kukhalabe nkhani za ngongole;
• ndalama ndi zilango pochedwetsa;
• milandu kwa alipire oyambirira;
• analipira lalifupi zambiri komanso zofunika zina.

Pamaso kusainira mgwirizanowo ayenera powerenga mudziwe kuti muli. M'pofunikanso kuphunzira kwa katswiri zina ziti zimene chindapusa inu kulipira banki. Only kwa amakhoma misonkho ovomerezeka ndi mwayi kugwiritsa ntchito mitengo otsika chidwi mu 2016.

mlingo pazipita

Mu gawo la banki amachita ngati kuchuluka osachepera ndi pazipita. Izi anatsimikiza ndi lamulo panopa. The ngongole sangakhale oposa 57,3% pa annum. M'kupita kwa nthawi, chithunzi ichi amatha kusintha.

Ichi ndi choona pa mabungwe banki ndi mabungwe microfinance pa izo sizikugwira ntchito. N'chifukwa chake posachedwapa nzika COMPASS ndalama pa 500-800% pa annum.

mitundu ya Zachikondi

chiwongola dzanja ku mabanki ndi zonse, makamaka ngongole ogula ndi zanyumba. Iwo safuna kusaina mgwirizano, ndiye kasitomala ndi anapereka ndandanda ya malipiro ndalama. Ananyamula adalira ndi chiwombolo.

Koma kuchuluka chikuyandama ndi zimene wogwira ntchito udindo wochenjeza kasitomala pamaso kusainira mgwirizanowo. Izi zikutanthauza kuti wokongoza chiganizo kusintha kukula kwa overpayment lapansi. Ndipo wogulayo udindo kulipira peresenti kutchula. wotere amangoona ntchito mu ngongole kuti ndi phindu anthu.

Kodi kukhazikitsa ndi overpayment?

Kuika ndalama anatsimikiza ndi dongosolo la alipire ngongole. Iye ndi annuity ndi kusiyanitsidwa. Mbali yoyamba, onse mulingo ofanana pamaso pa tsiku lomalizira kwa malipiro. Ndipo chimake chachiwiri amapezeka kuchepetsa kuchuluka pamwezi.

Kudziwa overpayment pa malo a wina bungwe. Kuchita izi, pali dongosolo onalayn-anapezazo, koma mudziwe kwenikweni pofuna wogwira ntchito. Ziyenera adzanyamula kukumbukira kuti anthu si mtengo chomaliza cha ngongole ndi, magombe monga malipiro ndi komishoni. Izi zingadziŵike ndi pangano ngongole. chiwongola dzanja pa madipoziti komanso akufotokozera chikalatachi.

Kusonkhezera chiwongola dzanja?

Banks kupereka kwa makasitomala onse m'malo osiyanasiyana, ngakhale pulogalamu ngongole ali limodzi. Izi anatsimikiza chifukwa chakuti kusankha kuti apereke ngongole akutengedwa pa maziko a zikalata anagonjera. Koma mtengo chomaliza cha ngongole ndi kumatengera zifukwa monga mlingo wa malipiro, pamaso pa ina, ngongole mbiri udindo, zaka.

Kuti mupeze mfundo yabwino muyenera ntchito yodalirika ndi malipiro apamwamba, zinachitikira wolemera ntchito ndi zabwino ngongole mbiri. Koma pamene Mwachitsanzo, wobwereka ali alipire oyambirira a ngongole ya anthu ambiri akhoza anapereka. Chifukwa cha ichi ndi imfa ya phindu banki, ngati pali prepayment.

mlingo Marketing - ndichiyani?

Mtundu wa ndalama zambiri zikupezeka showrooms. Yabwino 0%, amene zinthu malonjezo sizikhudza kwa overpayment pa ngongole kubanki. Marketing ikukhudza mlingo kuchotsera katundu mu kuchuluka kwa ndalama zimene ayenera kulipira banki. Mgwirizanowo pa mtengo wa galimoto kutchulidwa pa kuchotsera, ndipo ndi tsiku limeneli lidzagwiritsidwa masamu kuchuluka. Kawirikawiri 10-12%.

Ngati index si wolingana 0, ndiye kuchotsera pa kuchuluka kwa kusiyana kwa malonda ndi banki mitengo. The ndalama wogulitsa amalipira banki pa maziko a mgwirizano. Chifukwa, wogula afika galimoto pa mtengo wotsika. Only iye sankasamala kuganizira ndalama zanu, komanso kuwerenga mgwirizano mosamala. Nthawi zambiri, pamene wotuluka amenewa amapangidwa kuchokera ku inshuwalansi, omwe amaposa.

Choncho, ngati n'koyenera, processing ngongole ayenera kukhala bwino ndi kukula chidwi ndi zikhalidwe zina. Ena chindapusa mabanki ndi mabungwe kale m'gulu mlingo pachaka, choncho ndalama zoonjezera sati chofunika. Koma ngati mtengo wa ngongole n'kofunika wobwereka, ndi njira yamasika kukhoza kukhala kosavuta lipindulitsa pa iye. Pokhapokha ngati kasitomala kukhuta zinthu zonse, akhoza akatunge mgwirizano.