Ngoba yikuphi kukhona refenansirovaniya izinga?

Refenansirovaniya izinga amathuluzi ezivamile futhi ngempumelelo lapho isimo elawula isimo komkhakha wamabhange. Uma refinancing ngaphambili kohlelo lwenzelwe kokuqondisa nokusakazwa imali, ezweni lanamuhla kuba ezingasho esekelwe izindlela of credit izikhungo. Futhi kufanele kuphawulwe ukuthi waqaphela iminyaka eminingi, futhi ngempela ngempumelelo.

Ngakho izinga refenansirovaniya kuyinto inani lenzalo lapho wezwe National Bank inikeza ukubolekisa commercial ngokuqondene nokuba khona zokugcina izinkinga zezimali yesikhashana. Ngakho, uhulumeni kuqinisekisa ukuthembeka ngabanye zokuthenga ngesikweletu, futhi ngokufanelekile, ukuzinza lonke uhlelo yasebhange. Njengoba yaziwa, ngokuwa ebhange elikhulu kwezohwebo kungaholela ukwehla nezinye, okuyinto nakanjani kuyoholela nesimo esibucayi emnothweni wonke umbuso, futhi mhlawumbe embulungeni yonke.

Ngo umkhuba refenansirovaniya izinga isethwe ngonyaka National Bank kanye ezishiwo komgomo wokuboleka amabhange ngezimali, ithuthukiswe ngokuhlanganyela ejenti kahulumeni. Yiqiniso, ukuze uthole loan enjalo abakwazi njalo inhlangano, kodwa labo kuphela kokuba nedumela elihle nokuba eliphezulu credit umlando. Ngaphezu kwalokho, uma ibhange central kukhona ukungabaza mayelana solvency ezinamathuba umboleki, kwenza isinqumo sokugcina esekelwe umbiko mabhuku inhlangano third-party. Ngemva isiqinisekiso creditworthiness umboleki yakhipha loan isikhathi esithile, ngemva kwalokho ibhange commercial ibuyisela ukuthatha isamba kanye nenzalo.

Refinancing izinga indlela eyinhloko ukuzivumelanisa lemali imali ejikelezayo. Ngaphansi komthetho wamanje elawula imisebenzi credit izikhungo, ngonyaka evunywe National Bank of izici eyinhloko komgomo wokuboleka amabhange ngezimali, ngokukhethekile, eyenziwa sokukhomba supply imali, ngamanye amazwi, ukubeka imiqulu mkhawulo. Uma ngokuhamba umsebenzi kohlaziyo wembula ukuthi ivolumu zemali in kwegazi idlula umkhawulo, ngesilinganiso Central Bank refenansirovaniya iyakhula. Lokhu kuholela ekwandeni izindleko imali ikhishelwe labantu. Khona-ke ababoleka ezingaba kufanele kakhulu ukunciphisa izindleko ngenxa yokuntuleka zimali ukukhokha imalimboleko. Ngakho, kukhona isimo reverse phendla ukwehla okuphawulekayo supply imali ejikelezayo. Refenansirovaniya izinga kuyehla, isikhungo credit kuba inzuzo ukuboleka National Bank, futhi kungakho inzalo emalini ebolekwe ikhishelwa sabantu, is kakhulu ziyancipha.

Ngenxa uhlelo refinancing, isimo elawula izinga lokukhula emali, ekuvimbeleni inqubo ukuthuthukiswa ukwehla kwentengo imali. Phela uma izinga refinancing lancipha umkhawulo ubuncane, inani lemali ayesekhona ngenkuthalo ezikhulayo, futhi ngaleyo ndlela kwandisa amandla okuthenga. inchubekelembili engalawuliwe yale nqubo kuholela ukwehla of imali futhi sinciphise supply kwemikhiqizo emakethe.