mubereko wemari mumabhangi, ndeapi mareti emari mumabhangi eRussia?
Kushanda kwemashini

mubereko wemari mumabhangi, ndeapi mareti emari mumabhangi eRussia?

27.06.2022 /

Kutenga mota chinogara chiri chiitiko chakakosha muhupenyu: ikozvino unogona kukanganwa nezve zvifambiso zvevoruzhinji uye kujaira rusununguko rwekufamba.

Maererano nehuwandu hwegore ra2012-2013, inenge hafu yemotokari dzepachivande dzakatengwa nechikwereti.

Maitiro haana kuchinja muna 2014, uye kunyange pasina nhamba yakakwana ye2014 zvakadaro, musoro wezvikwereti zvemotokari hauna kurasikirwa nekukosha kwayo.

Mabhangi eRussia anopa, kuisa zvinyoro, zvakanyanya kana zvishoma kushivirira mamiriro, saka vanhu vanosarudza kutora chikwereti uye kubhadhara imwe mari. Zvechokwadi, kana ukanyorera chikwereti chemotokari inokosha kubva ku500 zviuru, zvino pamwero we12-15 muzana pagore, kubhadharwa kwepamusoro kwenguva iyi kuchava 36-45 muzana - inenge 5-6 zviuru pamwedzi. Nemuhoro we25-50 zviuru rubles, izvi hazvisi zvakanyanya.

mubereko wemari mumabhangi, ndeapi mareti emari mumabhangi eRussia?

Takatoona mamiriro ezvinhu mumabhangi akawanda paVodi.su: Sberbank, Rosselkhozbank, Home Credit, VTB-24.

Iye zvino ndinoda kutarisa mamiriro acho ose.

Imari yekufarira pazvikwereti zvemotokari muRussia

Chekutanga, zvinofanirwa kutaurwa kuti Russia ichiri kure, kure kwazvo kubva kuEurope neUSA, uko mitengo yemubereko iri paavhareji 2-3 nguva yakaderera pane mumabhangi edu akasarudzika:

  • USA - kubva ku3,88% pagore;
  • Germany - 4-5 pagore;
  • France 5-7 pagore;
  • Portugal ine imwe yemitengo yakaderera ye2,75-3 muzana.

Kuverenga data rakadaro, iwe unonyura mukusagadzikana mukuora mwoyo, zvinoitika kuti vanhu vakapfuma kwazvo munyika vanogara muRussia. Chokwadi, maererano nehuwandu hwe oligarchs uye mamirioni, isu tiri pamberi pevamwe. Asi chii chiri chikonzero chekupesana kwakakura kwakadaro? Mushure mezvose, avhareji yeAmerica kana yeEurope inotambira kakati wandei kupfuura yekuRussia, nei vaine mitengo yakaderera kudaro?

Mhinduro iri nyore - kusagadzikana kwemari. Muna 2013, inflation muRussia yakasvika kusvika 6%, asi muEurope yakaderera pakati pe1,5-2%. Nezinga iri rekukwira kwemitengo, National Banks inoisa chiyero chekukweretesa, pasi apa iyo mhindu haigone kuve. MuEU, mutengo wekuderedzwa uri 0,75 muzana, muUS - 0,25, zvakanaka, muRussia - 8,25%, ndiko kuti, haungawani chikwereti chemotokari ine mubereko wepagore pazasi 8, kunze kweiyo, bhangi rinoda purofiti uye vanowedzera njodzi dzavo, mari, makomisheni, mihoro uye zvichingodaro kune aya masere muzana.

mubereko wemari mumabhangi, ndeapi mareti emari mumabhangi eRussia?

Forecasts panguva ino haisi kukurudzira, inflation rate muRussia kubva pakutanga kwe2014 yakave inopfuura manomwe kubva muzana, iyo inoratidza kuwedzera kwemari yezvikwereti pazvikwereti. Kunyangwe pachine maonero ekuti padanho razvino rekukwira kwemitengo, mutengo wemhindu weCentral Bank yeRussia wakanyanya kukwirira.

Kubva pane idzi data, tinogona kusvika pakutariswa kwemamiriro ekukweretesa mumabhangi akasiyana:

  • Sberbank - 13,5-16%;
  • Gazprombank - 10,5-13,5;
  • Alfa-Bank - 13,5-15,5;
  • UralSib - 9-15;
  • VTB-24 - 12,5-20,99;
  • UniCreditBank - 11,5-19,5.

Rondedzero yacho inogona kuenderera mberi, asi mufananidzo wacho wose wakajeka - mabhanga ari kuedza kuderedza zvachose njodzi dzavo nekuisa mari yezvibereko kwete yakaderera pane refinancing rate yeCentral Bank yeRussia - 8,25%, uye pamwe chete ivo vanotora verenga mari dzavo.

Nhamba dziri pamusoro dzinogona kushanduka zvishoma, kumusoro uye pasi, takaongorora zvakadzama paVodi.su mazwi ekukweretesa mune mamwe mabhanga. Saka, vapenjeni kana vatengi verimwe bhangi vanogona kuwana chikwereti kwete pa13,5%, asi 0,5-1 muzana yakaderera kana vakachengeta madhipoziti pano kana kugamuchira muhoro pane kadhi rebhangi.

Kuwanda kwemari yekusingaperi, ruzivo rwakakwana, real estate, kuvapo kweva guarantors, nezvimwe zvakadaro zvinotorwawo. Nzira yakanakisisa ndeyokukumbira chikwereti kubhangi guru, mushure mekuzadzisa zvose zvinodiwa, iyo inonyanya kukosha ndeyekuita kubhadhara kwekutanga kwe10-15 muzana, asi kana iwe ukaita makumi matatu kana makumi mashanu muzana, zvino izvi zvichava. yakakura plus uye iwe unogona kuvimba pane yakanyanya kugadzikana mamiriro.

mubereko wemari mumabhangi, ndeapi mareti emari mumabhangi eRussia?

Kune zvakare chirongwa chechikwereti chemotokari chehurumende pane mamwe mazwi akanaka. Maererano naye, unogona:

  • kutenga motokari yakabatanidzwa mumusha;
  • nguva yechikwereti kusvika kumakore matatu;
  • kubhadhara kwekutanga - kubva pa15 muzana;
  • mwero wacho unobva pa8 kusvika ku10 muzana;
  • chikwereti mari - kwete kupfuura 750 zviuru.

Vamwe vanogadzira mota vanopinda muzvibvumirano zvekudyidzana nemabhangi uye vanopawo zvirongwa zvavo. Ichi chinopihwa chinoshanda kune mota Skoda, Volkswagen, Seat, Opel, Audi, Chevrolet. Mamiriro acho akafanana, nemusiyano chete wekuti nguva yechikwereti inogona kusvika makore mashanu.

Chinokosha chechirongwa ichi ndechekuti iwe unowana chikwereti pane yakajairika 13-15 muzana, asi nyika inovhara 3-5 muzana uye iwe unofanirwa kubhadhara 8-10 muzana. Chirongwa ichi chakatanga muna 2012.

Muna 2014, dzimwe shanduko dzakaitwa: mubhadharo wepasi ungangoita 30 muzana, asi chikwereti chinogona kupihwa nemagwaro maviri chete. Haasi ese mabhangi akakwanisa kupfuudza sarudzo, uyezve, zvimwe zvinodiwa zvinoiswa kune vanokwereta:

  • nhoroondo yakanaka yechikwereti;
  • kuva nemari yekusingaperi.

Rudzi urwu rwechikwereti chemotokari harupiwi vakadzi vane vana vari pasi pemwedzi mitanhatu.

Kubva pane zvese zviri pamusoro, mhedziso dzinotevera dzinogona kutorwa:

  • muRussia, kutora chikwereti chemotokari hakubatsiri zvakanyanya;
  • iyo nyika iri kuyedza kusimudza mukurumbira wevagadziri vedzimba nekupa mamwe mamiriro akanaka kune zvigadzirwa zvavo;
  • iwe unofanirwa kunyatso kuswedera kusarudzo yebhangi, nyatsoverenga chibvumirano uye usingabvumirani neanorema mamiriro.




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