inzalo emabhange, yiziphi izilinganiso zenzalo emabhange aseRussia?

Ukuthenga imoto kuhlale kuwumcimbi obalulekile empilweni: manje ungakhohlwa ngezokuthutha zomphakathi futhi ujwayelane nenkululeko yokuhamba.

Ngokwezibalo zika-2012-2013, cishe uhhafu wazo zonke izimoto eziphethwe ngasese zathengwa ngesikweletu.

Umkhuba awuzange ushintshe ngo-2014, futhi nakuba zingekho izibalo eziphelele zika-2014 okwamanje, isihloko semali mboleko yemoto asilahlekelwanga ukubaluleka kwayo.

Amabhange aseRussia anikeza, ukubeka kancane, izimo ezingabekezeleleki kakhulu, ngakho-ke abantu banquma ukuthatha imali mboleko futhi bakhokhe inani elithile. Ngempela, uma ufaka isicelo semali mboleko yemoto ebiza kusuka ku-500 ayizinkulungwane, ngesilinganiso samaphesenti angu-12-15 ngonyaka, ukukhokhelwa okweqile kwalesi sikhathi kuzoba ngamaphesenti angu-36-45 - mayelana nezinkulungwane ezingu-5-6 ngenyanga. Ngomholo wama-ruble ayizinkulungwane ezingama-25-50, lokhu akukuningi.

Sesivele sicabangele izimo emabhange amaningi ku-Vodi.su: Sberbank, Rosselkhozbank, Home Credit, VTB-24.

Manje ngithanda ukubheka isimo sisonke.

Amanani enzalo emalimboleko yemoto eRussia

Okokuqala, kufanele kushiwo ukuthi iRussia isekude kakhulu neYurophu nase-USA, lapho amanani enzalo ngokwesilinganiso izikhathi ezi-2-3 eziphansi kunamabhange ethu ahlonishwayo:

• I-USA - kusuka ku-3,88% ngonyaka;
• EJalimane - 4-5 ngonyaka;
• I-France 5-7 ngonyaka;
• IPortugal inelinye lamazinga aphansi amaphesenti angama-2,75-3.

Ukufunda idatha enjalo, ungena ngokuzithandela ekucindezelekeni, kuvela ukuthi abantu abacebile kakhulu emhlabeni bahlala eRussia. Ngempela, ngokwenani lama-oligarchs nosozigidi, singaphambi kwabanye. Kodwa siyini isizathu sokwehluka okubukhali kangaka? Phela, umuntu ovamile waseMelika noma waseYurophu uhola ngokuphindwe izikhathi eziningana kunomRashiya, kungani enamanani aphansi kangaka?

Impendulo ilula kakhulu - ukungazinzi kwemali. Ngo-2013, ukwehla kwamandla emali eRussia kwaba cishe ku-6%, kuyilapho eYurophu kuguquguquka phakathi kuka-1,5-2%. Ngaleli zinga le-inflation, i-National Banks ibeka izinga lokuboleka, ngaphansi kwalokho inzalo engeke ibe khona. E-EU, isilinganiso sesaphulelo singamaphesenti angu-0,75, e-US - 0,25, kahle, eRussia - 8,25%, okungukuthi, ngeke uthole imali yokubolekwa kwemoto enenani lenzalo yonyaka ngaphansi kwe-8, ngaphandle kwalokho, ibhange lidinga inzuzo futhi zengeza izingozi zabo, izindleko, amakhomishana, amaholo njalonjalo kulawa maphesenti ayisishiyagalombili.

Izibikezelo okwamanje azikhuthazi, izinga lokwehla kwamandla emali eRussia kusukela ekuqaleni kuka-2014 liye laba ngaphezu kwamaphesenti ayisikhombisa, okubonisa ukwanda kwezinga lenzalo emalini ebolekiwe. Nakuba kusenombono wokuthi ezingeni lamanje lokwehla kwamandla emali, izinga lenzalo lesaphulelo leBhange Elikhulu LaseRussia liphezulu kakhulu.

Ngokusekelwe kule datha, singafinyelela ekucabangeni kwezimo zokuboleka emabhange ahlukene:

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

Uhlu lungaqhubeka futhi luqhubeke, kodwa isithombe sisonke sicacile - amabhange azama ukunciphisa ngokuphelele ubungozi bawo ngokubeka inzalo ephansi kunezinga lokubuyisela kabusha leBhange Elikhulu LaseRussia - 8,25%, futhi futhi bangena bala izindleko zabo.

Izibalo ezingenhla zingase zishintshe kancane, kokubili phezulu naphansi, sihlolisise ngokuningiliziwe ku-Vodi.su imigomo yokuboleka kwamanye amabhange. Ngakho-ke, abahola impesheni noma amaklayenti ebhange elithile angathola imali mboleko hhayi ku-13,5%, kodwa amaphesenti angu-0,5-1 aphansi uma egcina imali lapha noma ethola iholo ekhadini lasebhange.

Inani lemali engenayo ehlala njalo, isipiliyoni esiphelele, indawo yokuhlala, ukuba khona kwama-guarantors, nokunye kuyacatshangelwa. Inketho engcono kakhulu ukufaka isicelo sokubolekwa imali ebhange elikhulu, ngemuva kokugcwalisa yonke imibandela, okubaluleke kakhulu ukwenza inkokhelo yokuqala ngamaphesenti ayi-10-15, kepha uma wenza amaphesenti angama-30 noma angama-50, lokhu kuzoba ukuhlanganisa okukhulu futhi ungathembela ezimeni ezinethezekile kakhulu.

Kukhona nohlelo lokubolekwa kwemoto kahulumeni ngemibandela evumayo. Ngokusho kwakhe, ungakwazi:

• ukuthenga imoto ehlanganiswe ekhaya;
• isikhathi semalimboleko kuze kube iminyaka emithathu;
• inkokhelo yokuqala - kusuka kumaphesenti angu-15;
• isilinganiso sisuka kumaphesenti angu-8 kuya kwayi-10;
• inani lemalimboleko - hhayi ngaphezu kwezinkulungwane ezingama-750.

Abanye abakhiqizi bezimoto benza izivumelwano zokubambisana namabhange futhi banikeze nezinhlelo zabo. Lokhu kunikezwa kusebenza ezimotweni iSkoda, Volkswagen, Seat, Opel, Audi, Chevrolet. Izimo ziyafana, umehluko kuphela wokuthi isikhathi sokubolekwa singafika eminyakeni emihlanu.

Ingqikithi yalolu hlelo ukuthi uthola imali ebolekiwe ngamaphesenti ajwayelekile ayi-13-15, kepha umbuso uhlanganisa amaphesenti angama-3-5 futhi kufanele ukhokhe amaphesenti angama-8-10. Lolu hlelo luqale ngo-2012.

Ngo-2014, ezinye izinguquko zenziwa: inkokhelo ephansi okungenani ingamaphesenti angu-30, kodwa imali mboleko ingakhishwa ngemibhalo emibili kuphela. Akuwona wonke amabhange akwazile ukudlulisa ukukhethwa, ngaphezu kwalokho, izidingo ezithile zibekwe phambili kubaboleki:

• umlando omuhle wezikweletu;
• ukuba neholo elihlala njalo.

Lolu hlobo lwemalimboleko yemoto alukhishelwa abesifazane abanezingane ezingaphansi kwezinyanga eziyisithupha.

Kukho konke lokhu okungenhla, kungafinyelelwa eziphethweni ezilandelayo:

• eRussia, ukuthatha imali mboleko yemoto akuyona inzuzo kakhulu;
• umbuso uzama ukuphakamisa isithunzi sabakhiqizi basekhaya ngokunikeza izimo ezingcono kakhulu zemikhiqizo yabo;
• udinga ukusondela ngokucophelela ekukhethweni kwebhange, ufunde ngokucophelela inkontileka futhi ungavumelani nezimo ezinzima.

Iyalayisha...