Indlela ukuya nat ungeke uzithole usuwile. ubuso, SP, amabhange? Indlela hamba ayinamali futhi ulahlekelwe efulethini?

Muva nje bonakalise yena wayengase athi izinhlangano ezingokomthetho kuphela. Okwamanje, le nqubo angasebenza, kanye nabantu, kuhlanganise osomabhizinisi ngabanye. Ngemva kwemukelwa imithetho ucabanga abantu imibuzo kunazo ukuphokophela - indlela iba abantu ezikweletini nokuthi akaphelelwa impahla yayo.

yimali

Nge ucabanga of izinhlangano ezingokomthetho konke kuqhathaniswa ecacile, isb. A. Umthetho kulo mkhakha isebenza isikhathi eside futhi baye bakha umzamo ophindaphindiwe. Ngokuqondene abantu zemvelo, kunzima kakhulu, t. Ukuze. Izakhamuzi eziningi kuze kube sekupheleni ayikwazi ukubhekana ungasifaka kanjani isicelo ezintsha ebuhlotsheni uqobo futhi yini edingekayo ukuze abe yimali. Abantu abaningi bakholelwa ukuthi ukuze sigweme ukukhokha ngoba nezibopho zayo, kwanele ukuba athi angama ungeke uzithole usuwile. Eqinisweni, ukuphendula umbuzo indlela hamba ayinamali futhi ngeke ukhokhe loan, kunzima, t. Ukuze., Ukufunda kwemibandela yomthetho, singagcini baqonde okushiwo, kodwa futhi babanjwa inqubo ngokwalo. Okwamanje, inani elikhulu abameli baqale ukuqhuba ukuhlinzekwa kwezinsizakalo kulo mkhakha kahulumeni. Kuphela akucaci ukuthi bayaqonda leli lungiselelo ngokwabo nokuthi ukusisebenzisa kahle, okungukuthi. Ukuze. The yisimiso namanje "eluhlaza." Ungenciki counter kuqala kulabo abanekhono emkhakheni, isb. A. Kungaba ngisho isimo scrupulous ngaphezulu.

abantu beqashelwa defaulters ukuhlobana lapho izakhamuzi, ukuthola isamba esikhulu credits, kumane kungavumi uzikhokhele. Kwanqunywa ukuba axazulule le nkinga, t. Ukuze. Ababolekisi akuzona qotho ababoleka zawo okumelwe zigcinwe, ngokuvamile ngenxa yezimo zokuphila abakwazi ukukhokha izikweletu njalo. Kwezinye izingxenye labantu izikweletu kufana ukufinyelela million ngesikhathi isimo esibucayi ezweni ngisho ukukhokha loan encane kunzima ngempela.

Intuthuko futhi inqubo ukuqashelwa komuntu yimali

Abaningi bakhathazeka mayelana nendlela abe yimali emalini ebolekwe bese ugcine ngesimo sabo sezomnotho?

Ufuna nje uqaphele ukuthi ukusetshenziswa kwale nqubo akuyona indlela elula ukuba ixazulule izinkinga zabo zezimali. Ezimweni eziningi, isidingo ukuchitha isikhathi esiningi nokuzikhandla, futhi kwezinye izimo - futhi imali.
Indlela hamba ayinamali? Sibala ayinhloko:

1. Umuntu angase lishiwo yomkhokhi ezikweletini kuphela izinkantolo.

2. Ukuze ngimemezele yena njengoba nje kunjalo nangokuthola ezifana kuyindaba umuntu wemvelo, futhi ayemkweleta.

3. Isicelo kufanele zithunyelwe ku ukulamula umbango.

4. Ngesisekelo isicelo sithunyelwa, inkantolo enquma.

5. Uma isicelo sithunyelwa yomuntu obolekisayo, ke kuvunyelwe ukufaka bakhipha isitatimende ngokuhlanganyela by abakweletwayo eziningana.

6. Isicelo Ungahambisa, uma izikweletu idlula ayizinkulungwane 50.

7. Isicelo ungafaka esimisweni izinkokhelo ezikweletini. In esinjalo kungase icala ukuzwa lulibala, ngenxa okuyinto kukhona kabusha izikweletu.

8. FL limenyezelwe yimali kuphela uma yokuthi sokuba ngongakwazi ukukhokha izikweletu zezimali nizoba ngokugcwele.

9. Ngemva ukuqashelwa PL untenable endalini impahla yakhe.

Mhlawumbe, ukhetho engcono kungaba ukwamukelwa ngu sivumele isishaya-mthetho, kanye nomthetho, idokhumenti, okuthiwa "kanjani ukuba abe yimali:. Umhlahlandlela ngoba kwakungenzeka ukuba okweletayo"

Lokhu uyogwema imibuzo eminingi engadingekile futhi wonge isikhathi izakhamuzi.

Kuyini izikweletu ukuhlelwa kabusha

Lo mqondo ukubuyekezwa oda yokukhokha kanye credit izimo. Inqubo ye ibhange, umboleki ayisakwazi ukukhokhela izikweletu ekweletwa abakweletwayo ngalesi simo.

Lokuhlela Kabusha senzeka ngesisekelo isicelo okweletayo, okhombisa imbangela ukungabi nakwenzeka kwento buyiselo okwengeziwe ezikweletini namagama ubudala. Isicelo liyakushunyayelwa imibhalo eqinisekisa eziya ziba zimbi isimo sezimali ezisetshenzisiwe. Kubalulekile ukuqonda ukuthi inqubo yokuhlela kabusha ibhange kuyilungelo, hhayi isibopho. Ngakho-ke, ngaphambi kokufaka isicelo loan, kungcono ukuze uthole ukuthi ngabe kukhona kungenzeka ukushintsha imigomo yenkontileka esikhathini esizayo.

Yini okumele uyilindele izakhamuzi kusukela kwezinkambiso yomthetho entsha

Ungalahli ithemba bese ucabanga ukuthi ngemva kokuhlinzwa, lo muntu okukhulunywa ilahlekelwa konke enakho futhi bashiya yonke into. Ngokomthetho, hhayi yonke impahla lingathengiswa isikweleti:

1. Uma isakhamuzi has a yokuhlala, okuyinto uba impahla kwayo, ibhange ngeke ukwazi ukuba amthathe angabuyisela izikweletu.

2. Azikho izinto siqu, e Umq. H lingathengiswa. Imiklomelo kanye imiklomelo.

3. Ukulinganiselwa khona maqondana impahla ezivamile owakwakhe. Uma ithengiswe impahla langempela, kufanele kwenzeke ukuba ukuthenga impahla ezincane omunye abashadayo, anomsebenzi asisebenzi. Ngokwesibonelo, ukushintshanisa efulethini indlu ekhona ngaleso sikwele.

Kuyathakazelisa ukuthi ukuqashelwa umuntu yimali, yonke imisebenzi eyenziwe yena nomkhaya wakhe phezu ngonyaka odlule, babhekwa njengabantu siyize. Lokhu kwenziwa ukuze ugweme bakhohlisi ezingaba nemikhonyovu.

Kanjani hhayi ukulahlekelwa yikho konke ababenakho phakathi naleyo nqubo

Umbuzo kanjani ukuya abantu yimali, iqukethe inqwaba umehluko wemisindo nemiqondo yamagama ukuthi zivame njengenkulumo izakhamuzi. Izimo zethu zihluke kakhulu kunzima ukufunda nemithethonqubo kanye ukuqonda ukuthi kungenzeka ukusebenzisa imithetho yayo ukuze zihambelane nabo. Izakhamizi abakhetha zisebenze yena inqubo okukhulunywa, okokuqala abazibuza nendlela yokuba yimali, hhayi ukulahlekelwa efulethini futhi ngesikhathi esifanayo ukuqeda ezibophweni ezingokwezimali ebhange. Abaningi basebenzisa izikimu ezahlukene futhi amaqhinga ukugcina izimpahla zabo, ngenxa okuyinto ngesikhathi ucabanga umuntu akanawo yini ezingqubuzana izikweletu. Ngokwesibonelo, ngesikhathi nesivumelwano sokubolekwa umboleki ungakwazi kabusha impahla yakhe kwabanye. isinyathelo esinjalo okwengeziwe kubangela izinkinga ezinkulu yomuntu obolekisayo. Imibuzo eminingi kubangele ukuthengiswa kwempahla e ubunikazi ezivamile noma uma ingcebo iyona yokukhosela kuphela okweletayo noma athathwe out mortgage. Kufanele bazitshela ukuthi uma nje hhayi ukukhiqiza umkhuba ngokwanele kanjani ukuya abantu yimali, kuzoba eziningi nezindaba impikiswano ezidinga incazelo kanye kwenaba. Inani ezithile abantu ngokungazi bakholelwa ukuthi ngokumemezela ngokwabo yimali, bazokwazi ukuzikhohlwa izikweletu zakho kanye ephila ngokuthula esilandelayo. Kulokhu, akekho uyakucabangela amaphuzu alandelayo eziphathelene nendlela yokuba yimali eRussia:

1. isakhamuzi ngeke bakwazi ukwenza ibhizinisi ingakapheli iminyaka emihlanu.

2. Wonke amalayisense ekhona azobuyiswa.

3. Ngeke kwenzeke ukukhipha ukubolekisa entsha.

Uma isakhamuzi uzimisele ukuzidela ngale ndlela, khona-ke kungenzeka ukuthi uqale ukuphila ngaphandle izikweletu uthole.

Ukuqothuka njengoba isilinganiso wokuphuthuma

Kubantu abaningi, lokhu inqubo kuyinto ngesilinganiso kakhulu ukuxazulula izinkinga zezimali abantu abakweletwayo. Ukuhluleka izakhamuzi ukukhokha izikweletu zalo ombangela tetemnotfo. Ikakhulukazi isihloko efanele is "kanjani ukuba abe yimali ngokomzimba" kulabo abaphuza a mortgage noma loan izimali zakwamanye amazwe. Mayelana ekukhuleni dollar ukuba abuyisele umbolekisi ke yayingasekho nhlobo indlela yokubaleka. Izakhamizi iphelelwa imisebenzi yabo, imali yabo is kakhulu ziyancipha. Yini-ke eziyenzayo? Vele ufune Impendulo yombuzo kanjani ukuthi ube ibhange ungeke uzithole usuwile.

AbaLawula crisis okubangelwa hhayi kuphela le ababoleka lwemali, kodwa futhi kusukela "ruble". Futhi iningi abanamacala abakwazi ukukhokhela ngisho elula imali ukuthi engunyaza ukuba ukuthengwa ezidayiswayo. Iningi izakhamuzi ekukhokheni kungenxa esincane ukubolekisa, nokumbalwa yalabo abanhliziyo izikweletu anosayizi kahle esikhulu. On iseluleko iningi abameli abasebenza kule ndawo, musa ukusheshe athi angama ungeke uzithole usuwile. Isinyathelo sokuqala siwukuba ukuxhumana ebhange ukuze ahlinzeke ubonisa ukuthi kungenzeka ukuthi izikweletu ukwakha kabusha.

Ngokusho ebhange ngomthetho omusha

izikhungo Abaningi abolekise sengilinde ukwemukelwa alo mthetho, bekholelwa ukuthi kuyokusiza amabhange ngokomthetho ukuxazulula inkinga imali embi, t. Ukuze. Ibhange wayeke yayingekho indlela ukubhekana abanamacala yabo. Yokutholwa isenzo unikeza inkululeko credit izikhungo, ongabopha umboleki ngenhloso ukuqashelwa lokukhokha komunye oyedwa yakhe ezikweletini. Ngokusho amabhange eziningi, inani avelele abanamacala uyavumelana ngcono. Yingakho, ngaphambi kokuya enkantolo ngoba ukuqashelwa okweletayo, kungcono ukuqala ukushaywa umoya sesikweletu uqobo futhi ukufunda ukuthi umbolekisi banganikeza ukuxazulula inkinga futhi uthole ukuthi ube ibhange ungeke uzithole usuwile.

Uma uxhumana nebhange akudingekile ukufihla ukuthi sinjani ngempela isimo izindaba umboleki. Ngokwesibonelo, uma isakhamuzi waphelelwa umsebenzi futhi, ngakho-ke, kuphela kuwumthombo wemali khona, kufanele azise ebhange ngokushesha, ngaphandle kokulinda ukuba buthelela ukubambezeleka enkulu loan. Simelele kuphela kudingeka ukubhala isicelo futhi unamathisele idokhumenti kokuqinisekisa nokulahlekelwa umsebenzi. IBhange uzobuyekeza isicelo bese unquma ukuthi umuntu ukuba abe yimali noma ukhetho engcono kungaba ukunikela inketho kabusha okweletayo. Isikhundla amabhange kanye kuphinda kugcizelele iqiniso ukuthi kukhona abazimisele ukubambisana abanamacala yayo mayelana ekutholeni ikhambi nesimo esinzima kwezezimali.

Can osomabhizinisi athi angama abanamacala ezikweletini?

Uma umbuzo nendlela yokuba ngabanye yimali, ucishe ecacile, indlela ukusebenzisa umthetho SP? Ngokusho imithetho, IP okulingana umuntu ngokomzimba, ngokulandelana, singaphansi zonke izinhlinzeko zalo mthetho omusha. Yini edingekayo Kulokhu ukuthatha nendlela abe yimali, SP? SP kungase kubhekwe njengokuvamile defaulters ngenxa yezizathu ezilandelayo:

1. Uma Transmitter ayikwazi ukuqhubeka ukuhlangabezana nezibopho zakhe ukuba abakweletwayo ngalesi simo.

2. SP walahlekelwa ikhono ukukhokhela izinkokhelo saziso.

Zonke izimangalo abakweletwayo ukuze IP kufanele kube yemali nje kuphela ngohlobo. Inkantolo amukela isicelo Ukubuyekeza kwenzeka ukuthi uma SP has a izikweletu izinyanga ezintathu yomuntu obolekisayo kanye / noma usayizi izikweletu idlula isamba esingama-ruble angu-10 000. Ekuqaleni, ngaphambi ukwamukelwa yomthetho, kwanqunywa ukuthi IP ucabanga kanye nezindaba nendlela yokuba yimali umuntu ezocatshangelwa ezinkantolo ezahlukene. Okwamanje, abantu kanye osomabhizinisi limenyezelwe yimali yikhotho ukulamula umbango. Mhlawumbe ngenxa SP Kuyadingeka ukuthuthukisa idokhumenti ebizwa ngokuthi "Uba kanjani ayinamali. Umhlahlandlela ngoba kwakungenzeka ukuba okweletayo"

On lokho umthetho kufanele sisekelwe?

Lowo Mbhalo wangonyaka we main ukuthi kuwufanele ukuhlola, kuyinto zoMthetho Federal "Ngo abaLawula (Ukuqothuka)". isenzo esisemthethweni uye kwavele ngokuphindaphindiwe izinguquko kanye nezichibiyelo, ukwamukelwa kwenkolelo-okuyinto lihlehliselwe izikhathi eziningana. Lokhu kungenxa yokuthi izinkantolo ukulamula umbango kwakungafanele ekulungele ukwamukela izicelo ukugeleza. Mhlawumbe babengazi ukuthi impendulo yombuzo nendlela yokuba nat ungeke uzithole usuwile. ubuso. Ngenhlanhla, umthetho isitatimende ngo-Okthoba ke wangena force kulo nyaka. Kuze kube manje, izibalo izikweletu zezakhamizi phambi amabhange esidumazayo: zonke Russian yesibili has a ezikweletini credit izikhungo okwedlula ama-ruble ayizigidi 70. Uma sibona ukuthi singakanani bebonke azisizi inani izikweletu, singaqonda ukuthi ngaphandle kwenkokhiso Ikhredithi iphesenti ezincane kunazo zonke izakhamuzi. Ngifuna ukukholelwa ukuthi umthetho omusha ngeke lula izimpilo hhayi kuphela izakhamuzi, kodwa futhi umsebenzi credit izikhungo.

Bank - yimali

Umbuzo othakazelisayo indlela ukuthi ube ibhange yimali uqobo. Impendulo yalo mbuzo ulula: ebhange uye Ubuyise ilayisensi maqondana illiquidity wezimali. Ngakho, uma ibhange liye Ubuyise ilayisensi, ngeke nebhizinisi yasebhange ngaphezulu, okuholela ukuqedwa yayo. Izizathu ezivamile ngoba lokuhoxisa yelayisensi:

1. Ungagijimi kwezinkambiso zomthetho olawula imisebenzi yasebhange.

2. Amabhange wakhonza olungalungile umbiko idatha.

3. Musa ukwenza izinkokhelo saziso nokunye.

Eminyakeni yamuva, ukulawula umsebenzi emabhange some kakhulu, okwaholela sokwesulwa amalayisense, amabhange eziningi, e Umq. H. Of kahle esikhulu, ukusebenza emakethe yezimali isikhathi eside. Kungashiwo ukuthi CBR akusho onga ubani. Ngokwezinga elikhulu kusukela inqubomgomo entsha Central Bank kuthinta izakhamuzi ezivamile, ababe, isibonelo, emabhange yasebhange ophucwa ilayisensi. Abantu abaningi basalokhu bengakakwazi ukuthola imali yakho, isb. A. Bank inqubo ucabanga kuyinto kubenzima futhi isikhathi eside.

Ukuze uzuze kuleli umthetho

Kuyaqondakala ukuthi inqubo ngenhla akusho ukuthi umbolekisi uyothethelela esikweletini bese uyakhohlwa. Kunalokho, isikweletu uzovalwa ngenxa impahla okweletayo sika. Yini eyenza? Ithuba lokuqala ukuqala impilo entsha, t. E., Ngaphandle-credit, isithakazelo, ukubolekisa sekwephuzile. Into esemqoka - akudingeki ukubekezelela izingcingo ezivela abaqoqi nabasebenzi yasebhange izinsongo. Kwakuthinta abathintekayo amabhange ukuba abanamacala yabo phambi komthetho. indlela Iningi zomthetho ukuze ibuyisele le mali ebhange ukuthi ukugcwalisa isimangalo ngokumelene okweletayo. Njengamanje, umthetho ikuvumela ukuba kufike isikhathi lapho umbolekisi iqala inqubo ngokwalo. Ungaya wedwa futhi uziveze njengoba umuntu ezikweletini, okufakazela ngongakwazi ukukhokha izikweletu zabo zezimali.

Akuwona wonke amabhange esikalini umthetho omusha ohlangothini oluhle. Ikakhulukazi imithetho emisha kukhona okungekuhle amabhange likhipha imali mortgage. Ngokomthetho, uma kwakungenzeka ukuba okweletayo unendawo eliyingqayizivele ukuze uhlale ke uthatha njengelungelo buyiselo izibopho ebhange akunakwenzeka. ababolekisi Ngasekuqaleni bangalulindela ukugcina inkokhelo okweletayo noma impesheni. Manje konke isixazululekile kuphela ngokusebenzisa inqubo kwempahla abanamacala '.

Impela, amabhange akuzona uzimisele ume eceleni futhi sibheke indlela imali yabo wachitha akwaziwa lapho bese ubuyela kubo akekho ohambayo. Ngakho alindele amabhange ukukhulisa nesithakazelo rates, kokuqina izimfuneko ababoleka, futhi kungenzeka ukuthi ngeke zifike nge izintuba abasha ukuze ungeze ku kuthishanhloko izibonelelo ahlukahlukene njengoba amasevisi ebhenki ezengeziwe. Ngakho, ukuthola loan elula akunzima nje, kodwa inzuzo.

Ngakho, umthetho entsha ngconywana ezakhamizini zaseNingizimu Afrika. Ngokusho kochwepheshe abaningi, umthetho omusha kwaba isilinganiso ngokuxhamazela t. Ukuze. Russia akakabi isilungele isixazululo elinjalo ezinkulu inkinga abakweletayo, abantu abaningi kwakheka sengqondo esingalungile kwezibopho ezikweletu. Ngaphezu kwalokho, umthetho kakhulu kuthinta izithakazelo abakweletwayo ngalesi simo. Akubalulekile ukuphika ukuthi umthetho omusha kwabaningi iyoba njengezindawo "umoya", okuvumela ukuthi abaleke web izikweletu futhi eyoqala ukuphila okusha ngaphandle owayephethe imicabango.

Imiphumela ucabanga

Inqubo ucabanga kunemiphumela ezithile ezimbi. Kodwa kulabo unezikweletu omkhulu abakweletwayo, miphumela kungase kubonakale kuyinto encane nje elula, futhi umbuzo "kanjani uya ukuphelelwa yimali?" Akuve efanele.

Yini ehlanganisiwe uhlu imiphumela:

1. Ukungakwazi limenyezelwe yimali kule minyaka 5 ezayo.

2. awukwazi ukusebenza esikhundleni sabaphathi iminyaka emithathu.

3. Izinkinga ukuthola imali-mboleko yendlu entsha.

Uma ubheka isimo ngakolunye uhlangothi, akukho lutho olungalungile nalezi nemiphumela khona. Ikakhulukazi kulabo unezikweletu okwedlula ama-ruble ayizigidi 500. Ngokuqondene nephuzu yokugcina kuwufanele egcizelela ukuthi athathe isikweletu, akekho azenqabelayo. Vele lapho ukubhaliswa kwakhe kufanele ubaxwayise ebhange umboleki isidlulile inqubo okukhulunywa ngakho. Khombisa leli qiniso kumelwe kwenziwe kungakapheli iminyaka 5.

Kufanele bazitshela ukuthi ngisho noma lo muntu obolekayo asisitsheli yokuthi amabhange kunoma isiphi isimo uzobe ahlome database abantu ababhekene ucabanga ekuqhutshweni. Ungesabi nakancane futhi bacabange ukuthi ucabanga ziyokonakalisa Umlando wokukhokha kwemali. Uma ucabanga ngakho, njalo yena sonakala ngenxa ngasekupheleni imali yokukhokha. Kulesi credit umlando obonakele akusho abuqede amathuba eminye ukuthola credit. Lokuzithola ngenxa yomthetho, izakhamuzi eziningi kuzobhekwa njengoba payers ezikweletini. It kuvela ukuthi ukuboleka kumane akekho. Ukuze amabhange kuba inzuzo kakhulu. Yiqiniso, ngemva kweminyaka embalwa kusazodingeka ukulinda, mhlawumbe, ngemva sokukhokhwa bonke kweletu isakhamuzi nje akafuni ukugibela liphindele emuva ogibeni izikweletu. Ikakhulukazi izikhungo eziningi abolekise, ezifana microfinance izikhungo, imithombo yezimali kanye ichithekile Umlando wokukhokha kwemali nje ungakujabulisi. Batinikela imali ngaphandle kwezinkinga. Ukuhlaziya imibono kungenzeka ezihlobene umthetho ezikweletini, Ngifuna ukugcizelela ukuthi, ngaphambi kokuthatha loan Kumele bahlole amakhono abo futhi ngokuvamile isidingo ukuyithola. Ikakhulukazi ezweni elinesidingo ngokuvamile nokuntengantenga kwezezimali, kubalulekile ukuba unakekele nanoma uhlobo izikweletu ngokwaso, hhayi ukuba isibalo abanamacala ezikweletini esikhathini esizayo.