Akufanele yini ngenze athathe isikweletu manje? Kufanele ngiyacela manje ukuthi kusho ukuthini lokho?

Ngoba iningi lezakhamuzi zethu kucutshungulwa loan - lena kuphela indlela ukuze bathole izimpahla oyifunayo noma ukukhokhela amasevisi. Ukuthenga imoto noma ifulethi imali zimbalwa. Kule ndaba, umbuzo ukuthi athathe isikweletu njengamanje, ngoba abaseRussia zihlobane kakhulu kunanini ngaphambili.

amathemba abolekise manje

Ngamagama ukungezwani angaphandle elala eYurophu nase-United States futhi kwanda izinga lokwehla kwamandla emali izikhungo zamabhange akuleli uhlangabezana nezinkinga ezingathi sína zezimali. Ngenxa yalesi sizathu, bona ucabanga ngokungathí sina ngokushada ukhulisa zenzalo ukuze andise ngandlela-thile izimpahla zamanje. Udaba nzima yokuthi amalayisense ichithwe, futhi ngenxa yalokho ngezinga ukuzethemba ku ingxenye zimali uye wehlile kwezinye izikhungo yasebhange.

Umbuzo ka ukuthi athathe isikweletu manje, kunalokho acute amabhizinisi amancane kanye naphakathi. Umgwaqo ohlongozwayo loan imigomo baye some kakhulu. Izinkampani eziningi nje engasakwazi ukufeza izibopho zayo ku sokukhokhwa loan futhi ziphoqelelwa ukuba iphendukele ukugcwalisa for ezikweletini.

amabhange ukuziphatha Amaqhinga

Njengoba kakade kugcizelelwe, izikhungo abolekise baye some izimfuneko ababoleka. Nokho, kuze kube nokwenyuka yangempela zenzalo ke akukafiki. Naphezu kwalezi zinkinga ezikhulayo ne H1 inkomba, izikhungo ezinkulu yasebhange kukhona ekujaheni ukushintsha izifundo zabo. Nokho, izazi zikholelwa ukuthi ukwanda zenzalo emalini ebolekwe ngo nyaka namanje okuzokwenzeka. Yiqiniso, iphesenti ababoleka nikhathazeke ukuthi athathe isikweletu njengamanje, nokuthi uzobe waphika lemali kuyokhula. Ukuthi yini ayoyenza? Kungenzeka ukuthi uyobheka ezingaba yisisombululo izinkinga zezimali ngokukhuluma kuya MFI. Yebo, ochwepheshe babikezela ukukhula 2015 eqinile emkhakheni microfinance.

Nokho, ngo-express izikhungo loan senzalo kuyoba kunalokho enkulu. Konke lokhu ngokumelene isizinda izinkinga zezomnotho, ukusikeka umholo kanye nabasebenzi entengo ngeke afakaze into eyodwa - emgodini izikweletu luyokhula. Yiqiniso, umbuzo ukuthi athathe isikweletu njengamanje, kwaba yilowo nalowo ngenxa yena ekufanele athathe isinqumo ngalokho ngoba ngokwayo, kodwa ochwepheshe ukunikeza ube nombono esidumazayo - ukuthi ephakeme zenzalo nokungeneli imali ezakhamuzi ayobe avuse ukubambezeleka ku buyiselo ezikweletini.

Yiziphi izikweletu kuyoba ezifunwayo nyaka

abahlaziyi lwezezimali siqinisekise ukuthi kulo nyaka kuzokhulisa ukufunwa izinhlelo mortgage. Inxanxathela isimo geopolitical nokuntengantenga izinga lokushintshisana kuzosiza ukuqinisekisa ukuthi nokwanda okuphawulekayo izindleko izinto eziyisisekelo - ingcebo futhi umhlaba.

mortgage

Uma nimangala ukuthi athathe isikweletu njengamanje, kungcono ukuphuma loan indlu, ikakhulu esikhathini esizayo esiseduze nokwanda okuphawulekayo zenzalo kule ingxenye is akulindelekile.

car Loan

Futhi ezifunwayo 2015 kuyoba boleko ukuthengwa bezimoto, futhi ukukhiqiza Russian.

Lokhu zingachazwa ngezinqubo yezizathu eziningana. Eyokuqala ngokushesha ukwandisa izindleko izimoto angaphandle. Ngaphezu kwalokho, ngemva Ukuwohloka elala funa EU sika izimoto angaphandle eRussia wawa amazwe. Ngaphezu kwalokho, izakhamuzi zezwe lethu ngaphandle lokushisekela ubuzwe izizathu, ufuna ukukhulisa isithunzi imboni yasekhaya yezimoto, ogama imikhiqizo ngezinye izikhathi ezishibhile amazwe "amahhashi yensimbi". Ngakho, uma ungazi ukuthi athathe isikweletu njengamanje, khona-ke ukuthenga imoto Russian Ngaboleka imali kuyoba isinqumo esifanele!

umthengi credit

Yiqiniso, qinani ukuthandwa futhi umthengi abolekise yabo izinhlelo. Nokho, ababoleka kufanele uqaphele ukuthi isilinganiso senzalo kule ingxenye luyokhula sina. Isizathu ukuthi aphinde bomnotho kanye ukwehla kwamandla kazwelonke. Uma izinhlobo ezimbili lokuqala zenzalo bayovuka kancane futhi kancane kancane, bese lolu hlobo loan - ngokucijile futhi ngokushesha.

Kunzima uphendula lemibuzo elandelayo: "Ingabe kumele ngizinike loan? Ukuhlala ngesikweletu manje noma ukuthenga kamuva? "

Ngo-2015, ababoleka okungahle kwenzeke, kufanele kube ngaphezulu sina ukuhlola degree of solvency eyabo ekuklanyweni isivumelwano esisha loan.

Ingabe kuzoseshwa okuzenzakalelayo ngo nyaka

AmaRashiya abaningi bayesaba ezenzakalelayo ku kumnotho wasekhaya. Kuyini lokhu? Ngokwengxenye lokhu nesimo lapho izwe akakwazi ukuba abuyisele izikweletu angaphandle. Ekhuthazwe yokuthi izwe lethu likwazi cishe akukho enjalo. Ngokwezinga elithile, ezenzakalelayo kungenziwa ngokuthi ukuhluleka ukuguqula isimiso impesheni. Kubhekwe ngumkhuba omubi emnothweni kungenzeka ngenxa kwesabelo sezimali, isibonelo, uma sikhuluma kuncishiswe inani izimali ivela ukudayiswa ukuthekelisa kwemithombo yemvelo.

Inkinga global ngo nyaka kuzonciphisa ukusetshenziswa futhi, ngakho-ke, iwe yamandla okungakaze, okuyinto nakanjani uya hit emnothweni Russian. Ukuze uthuthukise isimo kubalulekile ukusungula ibhizinisi ubuhlobo China, okuyinto ezweni lethu isivele kokunikeza hydrocarbon ezuzisa isimo somnotho izifunda wezwe empumalanga.

Kuzokwenzekani ukuzinza kwezezimali kanye namaholo

Okwamanje ukwanda uphethiloli amanani nokwenyuka bhalisiwe kwamandla emali. Amanani okudla sinyuke phezulu, futhi izinga lokushintshisana uwela.

Kusho ukuthini lokhu? Kuphela yokuthi izimpahla kuyoba ezibizayo, nabasebenzi abavamile abakwazi ancike amabhonasi kanye cash amabhonasi kulabo abaphethe. Ziyanda izakhiwo commercial ngeke ukuqalisa ucabanga tinchubo, okuyinto ngokuzenzakalelayo kuhilelani ukunyuka kwezinga abangasebenzi. Imiholo ngeke yanda, okungenani ezinyangeni eziyisithupha zokuqala 2015. Kunoma yikuphi, uzobe kasikhombisa ukucabanga mayelana yini noma cha ukuze athathe isikweletu njengamanje. Ibalulekile imibono yesikholwa ochwepheshe ngale ndaba, ngeshwa, esidumazayo.

Ingabe kunengqondo ukuba athathe kulo nyaka, izimali zakwamanye amazwe ukubolekisa

Lo mbuzo kufanele ngoyebo. Inzuzo lwemali umboleki sika credit ngokwandisa dollar kanye euro kucacile. Ngo-2008, labo ngikhiphé loans zesikhathi eside izimali zakwamanye amazwe ngesikhathi ekukhuleni kwayo asebenzayo futhi abuyisele kwezikweleti ruble, esezuze. Emva kwezinyanga ezingu-3, lwemali Melika nawaseYurophu yaqala ukuna intengo, ngokulandelana, ababoleka waqala ukukhokha kancane. Izinzuzo wazizwa kanye namakhasimende abangazange bashintshisane lwemali ye libolekwe ruble yasekhaya. Kulo nyaka, i-euro kanye dollar akufanele iwe ngokucijile, kodwa abanye ochwepheshe onegunya bathi ehlobo dollar izobiza hhayi ningi than ruble 45.

Kufanele yini silindzele kutsi senzalo ukusikeka

Labo ikakhulukazi kakhulu ukhathazekile umbuzo yini noma cha ukuthi uthathe credit manje futhi kuyazuzisa, kufanele wazi ukuthi ngeke usike zenzalo esikhathini esifushane.

Futhi omunye ochwepheshe ukholelwa ukuthi avumela isikweleti sakhe futhi uthi kungcono ukuba emabhange, hhayi microfinance izikhungo ngakolunye uhlangothi, kuzuzisa ngokwengeziwe kube semthethweni loan manje ishiywe ngoba isithakazelo bayoqhubeka bekhula, kanye nezinye. Kufanele kugcizelelwe ukuthi MFI ababoleka uthole imali ngaphansi 150% ngonyaka, okuyinto Yiqiniso, kakhulu impela. Izinga yasebhange ephansi kakhulu, kodwa ukuqinisekisa ukuthi imalimboleko sivunyiwe, ubuncane.

Ekucubunguleni ukuthi athathe isikweletu njengamanje, noma kangcono wokudeda ke, asikwazi indiva umbono abahlaziyi zezimali abancoma ukuboleka imali ku yasebhange, lapho isabelo imali sabantu inemazinga lasetulu. I imali eningi, wathola njengoba okokufaka, usebenza yasebhange isikhungo, ayanda zezimali zalo, okuyinto kufakazela ukuthi linokwethenjelwa.

Noma kunjalo, ukuthatha noma cha

Yiqiniso, izingane eziningi umbuzo ukuthi ukuboleka manje futhi yini lokho kusho ukuthi kubaluleke kakhulu. ayicabangele ngokucophelela 'elithola "futhi" nebubi ", futhi kuphela ke thatha isinqumo sokugcina. Cabanga-ke udinga into, ukuthengwa ofuna ukukhipha imali ebhange. ubuyekeze ngokucophelela iziphakamiso ezikhona emakethe yasebhange bese ukhetha nguye enenzuzo kakhulu ngawe. Uma ungakwazi ukubamba khona loan, kungcono ukwenza lokhu ukuze ugweme izinkinga zezimali esingalindelekile. Ngamanye amazwi, hlela loan njengesixazululo sokugcina, isibonelo, uma udinga yokukhokhela imfundo yezingane zabo noma ukwelashwa okubizayo yabathandekayo babo.

izincomo Jikelele

Ngakho nakanjani unquma umbuzo ukuthi athathe isikweletu njengamanje. Amacebiso awusizo ngezansi kuzokusiza.

Ngokuyinhloko ukhetha ruble sokubolekwayo. Ngakho unganciphisa ingozi ukukhulisa inani izikweletu uma kwenzeka ukuthi uma dollar uzoqala sikhule. Uma uthola iholo e-US noma lwemali European, ukuboleka imali kangcono namanje ruble. Ukwehlisa izinga lwemali kazwelonke kuzosiza ukunciphisa izikweletu zakho lemali.

Phawula futhi ukuthi kunilungele ngaphezulu ukukhipha udumo lokuthenga lomkhiqizo, njengoba inani lenzalo kuso lingaphansi kunalokhu ukuthi yemali mboleko yendlu.

Cabangela iqiniso lokuthi ungenawo ukuya ngemva ebhange futhi ukukhokhela umshuwalense, nezinye izimali - konke lokhu kwenziwa ngokuzithandela.

Futhi-ke, ukuhlola indlela eyodwa noma enye inhlangano yezimali enokwethenjelwa. Ngaphambi kokungena ngemvume nesivumelwano sokubolekwa ufunde ngokucophelela yonke imigomo, ikakhulukazi lezo ezibhalwe ngamagama amancane. Ngakho ungazivikela kusukela lezimanga ezingemnandi esikhathini esizayo!