litefiso tsa tsoala libankeng, phaello ea libanka tsa Russia ke efe?

Ho reka koloi kamehla ke ketsahalo ea bohlokoa bophelong: joale u ka lebala ka lipalangoang tsa sechaba 'me u tloaelane le bolokolohi ba ho tsamaea.

Ho ea ka lipalo-palo tsa 2012-2013, hoo e ka bang halofo ea likoloi tsohle tsa poraefete li ile tsa rekoa ka mokitlane.

Mokhoa ona ha oa ka oa fetoha ka 2014, 'me le hoja ho se na lipalo-palo tse feletseng tsa 2014 leha ho le joalo, sehlooho sa likoloto tsa koloi ha sea lahleheloa ke bohlokoa ba sona.

Libanka tsa Russia li fana ka, ho e beha ka bonolo, maemo a mang a mamellehang, kahoo batho ba etsa qeto ea ho nka mokoloto le ho lefa chelete e ngata. Ha e le hantle, haeba u etsa kopo ea mokoloto oa koloi ea bohlokoa ho tloha ho likete tse 500, joale ka tekanyo ea 12-15 lekholong ka selemo, tefiso e fetang ea nako ena e tla ba karolo ea 36-45 lekholong - hoo e ka bang 5-6 sekete ka khoeli. Ka moputso oa li-ruble tse likete tse 25-50, sena ha se joalo.

Re se re nahanne ka maemo a libanka tse ngata ho Vodi.su: Sberbank, Rosselkhozbank, Home Credit, VTB-24.

Joale ke rata ho sheba boemo ka kakaretso.

Litefiso tsa tsoala likalimong tsa likoloi Russia

Pele ho tsohle, ho tlameha ho boleloa hore Russia e ntse e le hole haholo le Europe le USA, moo litefiso tsa phaello li leng tlase ka makhetlo a 2-3 ho feta libankeng tsa rona tse hlomphuoang:

• USA - ho tloha ho 3,88% ka selemo;
• Jeremane - 4-5 ka selemo;
• Fora 5-7 ka selemo;
• Portugal e na le e 'ngoe ea litefiso tse tlase haholo tsa liperesente tse 2,75-3.

Ha u bala lintlha tse joalo, u ikakhela ka setotsoana khatellong ea maikutlo, ho fumaneha hore batho ba ruileng ka ho fetisisa lefatšeng ba lula Russia. Ehlile, ho latela palo ea li-oligarchs le ba limilione, re ka pele ho ba bang kaofela. Empa lebaka la ho se utloane ho joalo ke lefe? Ha e le hantle, Moamerika ea tloaelehileng kapa oa Europe o fumana chelete e fetang ea Lerussia ka makhetlo a ’maloa, ke hobane’ng ha a e-na le litekanyetso tse tlaase hakaale?

Karabo e bonolo haholo - ho se tsitse ha chelete. Ka 2013, inflation Russia e ne e le hoo e ka bang 6%, athe Europe e ne e fetoha pakeng tsa 1,5-2%. Ka boemo bona ba theko ea lichelete, Libanka tsa Sechaba li behile tekanyo ea ho alima chelete, ka tlaase ho moo phaello e ke keng ea e-ba teng. EU, sekhahla sa theolelo ke liperesente tse 0,75, US - 0,25, hantle, Russia - 8,25%, ke hore, u ke ke ua fumana mokoloto oa koloi o nang le phaello ea selemo ka tlase ho 8, ntle le moo, banka e hloka phaello 'me ba eketsa likotsi tsa bona, litšenyehelo, li-commissions, meputso joalo-joalo ho tsena tse robeli lekholong.

Ho bolela esale pele hona joale ha ho khothaletse, sekhahla sa theko ea lichelete Russia ho tloha qalong ea 2014 se fihlile ho feta liphesente tse supileng, e leng se bontšang ho eketseha ha phaello ea phaello ea likoloto. Le hoja ho ntse ho e-na le maikutlo a hore boemong ba hona joale ba theko ea lichelete, sekhahla sa phaello ea theolelo ea Banka e Khōlō ea Russia e phahame haholo.

Ho latela lintlha tsena, re ka atamela ho nahanoa ka maemo a likalimo libankang tse fapaneng:

• 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.

Lethathamo le ka tsoela pele, empa setšoantšo ka kakaretso se hlakile - libanka li leka ho fokotsa likotsi tsa bona ka ho feletseng ka ho beha phaello ea phaello e sa fokotseheng ho feta tekanyo ea refinancing ea Banka e Khōlō ea Russia - 8,25%, 'me ho phaella moo ba kenya letsoho. bala litšenyehelo tsa bona.

Lipalo tse ka holimo li ka 'na tsa fetoha hanyenyane, ka bobeli holimo le tlase, re hlahlobile ka ho qaqileng ho Vodi.su dipehelo tsa ho alima libanka tse ling. Kahoo, ba penshene kapa bareki ba banka e itseng ba ka fumana mokoloto eseng ho 13,5%, empa karolo ea 0,5-1 lekholong e tlase haeba ba boloka li-depositi mona kapa ba fumana moputso kareteng ea banka.

Chelete ea chelete e sa feleng, phihlelo eohle, thekiso ea matlo, boteng ba li-guarantors, joalo-joalo li boetse li nkoa. Khetho e ntle ka ho fetisisa ke ho etsa kopo ea mokoloto bankeng e kholo, ka mor'a ho phethahatsa maemo ohle, ntho ea bohlokoa ka ho fetisisa ke ho etsa tefo ea pele ea karolo ea 10-15 lekholong, empa haeba u etsa karolo ea 30 kapa esita le karolo ea 50 lekholong, joale sena se tla ba teng. e kholo haholo 'me u ka itšetleha ka maemo a boiketlo ka ho fetisisa.

Ho boetse ho na le lenaneo la mokoloto oa likoloi tsa mmuso mabapi le maemo a matle. Ho ea ka eena, u ka:

• reka koloi e kopanetsweng lapeng;
• nako ea kalimo ho fihlela lilemo tse tharo;
• tefo ea pele - ho tloha ho karolo ea 15 lekholong;
• tekanyo e tloha ho karolo ea 8 ho ea ho 10 lekholong;
• kalimo chelete - eseng ho feta 750 sekete.

Baetsi ba likoloi ba bang ba kena litumellanong tsa tšebelisano 'moho le libanka hape ba fana ka mananeo a bona. Tlhahiso ena e sebetsa ho likoloi tsa Skoda, Volkswagen, Seat, Opel, Audi, Chevrolet. Maemo aa tšoana, ka phapang feela ea hore nako ea kalimo e ka ba lilemo tse hlano.

Moko oa lenaneo lena ke hore o fumana kalimo ka liperesente tse 13-15 tse tloaelehileng, empa mmuso o akaretsa liperesente tse 3-5 mme o tlameha ho lefa liperesente tse 8-10. Lenaneo lena le qalile ka 2012.

Ka 2014, ho ile ha etsoa liphetoho tse ling: tefo e tlaase ke bonyane karolo ea 30 lekholong, empa sekoloto se ka fanoa ka litokomane tse peli feela. Ha se libanka tsohle tse ileng tsa khona ho fetisa khetho, ho phaella moo, litlhoko tse itseng li behoa pele bakeng sa ba alimang:

• histori e ntle ea mokitlane;
• ho ba le moputso o sa feleng.

Mofuta ona oa mokoloto oa koloi ha o fuoe basali ba nang le bana ba ka tlase ho likhoeli tse tšeletseng.

Ho tsoa ho tsohle tse ka holimo, ho ka fihleloa liqeto tse latelang:

• Russia, ho nka kalimo ea koloi ha ho na chelete e ngata;
• mmuso o leka ho phahamisa seriti sa bahlahisi ba malapeng ka ho fana ka maemo a matle bakeng sa dihlahiswa tsa bona;
• o hloka ho atamela ka hloko khetho ea banka, bala konteraka ka hloko 'me u se ke ua lumellana le maemo a boima.

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