chiwongola dzanja m'mabanki, ndi chiwongola dzanja chotani m'mabanki aku Russia?

Kugula galimoto nthawi zonse kumakhala kofunikira m'moyo: tsopano mutha kuyiwala zamayendedwe apagulu ndikuzolowera ufulu woyenda.

Malinga ndi ziwerengero za 2012-2013, pafupifupi theka la magalimoto onse omwe ali ndi anthu apadera adagulidwa ndi ngongole.

Mchitidwewu sunasinthe mu 2014, ndipo ngakhale palibe ziwerengero zonse za 2014 komabe, mutu wa ngongole zamagalimoto sunataye kufunika kwake.

Mabanki aku Russia amapereka, kunena mofatsa, mikhalidwe yolekerera, kotero anthu amasankha kutenga ngongole ndikubweza ndalama zina. Zoonadi, ngati mupempha ngongole ya galimoto yamtengo wapatali kuchokera ku 500 zikwi, ndiye pa mlingo wa 12-15 peresenti pachaka, kubweza kwa nthawiyi kudzakhala 36-45 peresenti - pafupifupi 5-6 zikwi pamwezi. Ndi malipiro a 25-50 zikwi rubles, izi si mochuluka.

Takambirana kale zomwe zili m'mabanki ambiri pa Vodi.su: Sberbank, Rosselkhozbank, Home Credit, VTB-24.

Tsopano ndikufuna kuyang'ana mkhalidwe wonsewo.

Chiwongola dzanja pa ngongole zamagalimoto ku Russia

Choyamba, ziyenera kunenedwa kuti Russia idakali kutali kwambiri ndi Europe ndi USA, pomwe chiwongola dzanja chimakhala chotsika nthawi 2-3 kuposa mabanki athu omwe timakonda:

• USA - kuchokera ku 3,88% pachaka;
• Germany - 4-5 pachaka;
• France 5-7 pachaka;
• Portugal ili ndi imodzi mwamitengo yotsika kwambiri ya 2,75-3 peresenti.

Powerenga izi, mumangokhalira kukhumudwa, zimakhala kuti anthu olemera kwambiri padziko lapansi amakhala ku Russia. Zowonadi, potengera kuchuluka kwa oligarchs ndi mamiliyoni ambiri, tili patsogolo pa ena onse. Koma kodi n’chifukwa chiyani pali kusiyana kwakukulu koteroko? Kupatula apo, anthu wamba ku America kapena ku Europe amapeza ndalama zochulukirapo kangapo kuposa aku Russia, chifukwa chiyani ali ndi mitengo yotsika chonchi?

Yankho lake ndi losavuta - kusakhazikika kwa ndalama. Mu 2013, kukwera kwa mitengo ku Russia kunali pafupifupi 6%, pamene ku Ulaya kunasintha pakati pa 1,5-2%. Ndi mlingo uwu wa inflation, National Banks inakhazikitsa chiwongoladzanja chobwereketsa, pansipa chomwe chiwongoladzanja sichingakhale. Ku EU, kuchotsera ndi 0,75 peresenti, ku US - 0,25, Chabwino, ku Russia - 8,25%, ndiko kuti, simungapeze ngongole ya galimoto yokhala ndi chiwongoladzanja cha pachaka pansi pa 8, kupatulapo, banki imafunikira phindu ndipo amawonjezera zoopsa zawo, ndalama, ma komisheni, malipiro ndi zina zotero pazigawo zisanu ndi zitatuzi.

Zoneneratu pakali pano sizilimbikitsa, kuchuluka kwa inflation ku Russia kuyambira kuchiyambi kwa 2014 kwafika kupitirira zisanu ndi ziwiri peresenti, zomwe zimasonyeza kuwonjezeka kwa chiwongoladzanja pa ngongole. Ngakhale pali lingaliro lakuti pa mlingo wamakono wa inflation, chiwongoladzanja chochotsera chiwongoladzanja cha Central Bank of Russia ndichokwera kwambiri.

Kutengera izi, titha kuyandikira kuganizira za kubwereketsa m'mabanki osiyanasiyana:

• 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.

Mndandandawu ukhoza kupitirira, koma chithunzi chonse chikuwonekera bwino - mabanki akuyesera kuchepetsa chiopsezo chawo poika chiwongoladzanja chochepa kuposa chiwerengero cha refinancing cha Central Bank of Russia - 8,25%, ndipo kuphatikiza kuwerengera ndalama zawo.

Ziwerengero zomwe zili pamwambazi zimatha kusinthasintha pang'ono, mmwamba ndi pansi, tidasanthula mwatsatanetsatane pa Vodi.su mawu obwereketsa m'mabanki ena. Choncho, opuma pantchito kapena makasitomala a banki inayake akhoza kulandira ngongole osati 13,5%, koma 0,5-1 peresenti yotsika ngati asunga ndalama pano kapena kulandira malipiro pa khadi la banki.

Kuchuluka kwa ndalama zokhazikika, chidziwitso chonse, malo ogulitsa nyumba, kukhalapo kwa guarantors, ndi zina zotero zimaganiziridwanso. Njira yabwino ndikufunsira ngongole kubanki yayikulu, mutatha kukwaniritsa zikhalidwe zonse, chofunikira kwambiri ndikulipira koyambirira kwa 10-15 peresenti, koma ngati mupanga 30 kapena 50 peresenti, ndiye kuti izi zidzakhala. kuphatikiza kwakukulu ndipo mutha kudalira mikhalidwe yabwino kwambiri.

Palinso pulogalamu yobwereketsa magalimoto aboma pamawu abwino kwambiri. Malingana ndi iye, mukhoza:

• kugula galimoto yolumikizidwa m'nyumba;
• nthawi ya ngongole mpaka zaka zitatu;
• malipiro oyambirira - kuchokera 15 peresenti;
• mlingowo ndi 8 mpaka 10 peresenti;
• ngongole ndalama - osapitirira 750 zikwi.

Opanga magalimoto ena amalowa m'mapangano a mgwirizano ndi mabanki komanso amapereka mapulogalamu awo. Kupereka uku kumagwira ntchito ku magalimoto Skoda, Volkswagen, Mpando, Opel, Audi, Chevrolet. Mikhalidwe ndi yofanana, kusiyana kokha kuti nthawi yobwereketsa ikhoza kukhala zaka zisanu.

Chofunikira cha pulogalamuyi ndikuti mumalandira ngongole pamaperesenti 13-15 mwachizolowezi, koma boma limakhudza 3-5 peresenti ndipo muyenera kulipira 8-10 peresenti. Pulogalamuyi idayamba mu 2012.

Mu 2014, zosintha zina zidapangidwa: kubweza ndi osachepera 30 peresenti, koma ngongole ikhoza kuperekedwa ndi zikalata ziwiri zokha. Osati mabanki onse adatha kupititsa chisankho, kuphatikizapo, zofunikira zina zimaperekedwa kwa obwereka:

• mbiri yabwino yangongole;
• kukhala ndi ndalama zokhazikika.

Ngongole yamagalimoto yamtunduwu saperekedwa kwa amayi omwe ali ndi ana osakwana miyezi isanu ndi umodzi.

Kuchokera pa zonsezi, mfundo zotsatirazi zikhoza kuganiziridwa:

• ku Russia, kutenga ngongole yagalimoto sikupindulitsa kwambiri;
• boma likuyesera kukweza kutchuka kwa opanga m'nyumba popereka mikhalidwe yabwino pazinthu zawo;
• muyenera kuyandikira kusankha banki mosamala, werengani bwino mgwirizanowo ndipo musagwirizane ndi zovuta.

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