Ndinofanira kutora kubva chikwereti ikozvino? Ndinofanira kukwereta zvino uye kuti zvinorevei?

Nokuti vakawanda vomunyika yedu processing chikwereti chacho - iyi ndiyo chete nzira kuwana zvinodiwa zvinhu kana mari mabasa. Kutenga motokari kana mufurati kuti mari vashoma. Panyaya iyi, mubvunzo kana kuti atore chikwereti iye zvino, nokuti vokuRussia sezvo akakodzera sezvo nokusingaperi.

anomukweretesa tarisiro ikozvino

In mashoko kunetseka wokumwe ukama Europe uye United States uye nokusimuka mitengo mudzimba rwezvemabhengi zvikoro zviri kusangana zvakakomba liquidity matambudziko. Nokuda kwechikonzero ichi, ivo vanenge vachifunga pamusoro pokurera mubereko prices kuti neimwe nzira kuwedzera kuitika zvinhu. The nyaya rakaoma nokuti marezinesi yakabviswa, uye saka ukuru chivimbo pamusoro chikamu makambani yadzikira substantially mune dzimwe rwezvemabhengi masangano.

Mubvunzo kana kuti atore chikwereti ikozvino, asi chenjera kuti diki uye svikiro kadikidiki bhizimisi. Yaida chikwereti okuti vave akasungirirwa yekudyidzana. Makambani akawanda havangagoni kuzadzisa ayo mitoro pamusoro mutsividzo pamusoro chikwereti uye vanomanikidzwa kuita pakunamata kuti kusauka.

rwezvemabhengi Masangano maitiro Nzira Dzekudzidzisa

Sezvo kare akasimbisa, achiposa Masangano kunge akasungirirwa zvinodiwa kuti anokwereta. Zvisinei, kusvikira kuwedzera chaizvo mubereko prices harisati asvika. Pasinei kukura nezvinetso chinoratidza H1, chikuru rwezvemabhengi masangano hapana kukurumidza kuchinja namapoka avo. Zvisinei, nyanzvi dzinofunga kuti kuwedzera mubereko prices pamusoro zvikwereti pagore ano vachiri kuzoitika. Chokwadi, chikamu anokwereta mwoyo kana kuti atore chikwereti iye zvino, uye kuti ucharambwa mari kuchawedzera. Chii vachaita? Kunenge kuti vatsvage nzira yokupedza nayo zvinetso zvemari nokutaura kuna MFI. Hongu, nyanzvi dzinofungidzira ane 2015 kukura simba mune zvitsva zvokukweretesa zvekutepfenyura.

Zvisinei, mune aiva chikwereti nemasangano chimbadzo ichava nani guru. izvi zvose pamusoro yaitwa zvoupfumi, unocheka mu muhoro uye mudonzvo reductions vachava kupupura pamusoro chimwe chinhu - gomba chikwereti kuchawedzera. Chokwadi, mubvunzo kana kuti atore chikwereti zvakanaka zvino, mumwe nomumwe anofanira kuzvisarudzira pacharo, asi nyanzvi kupa mwoyo akanaka - kuti dzakakwirira kufarira prices uye mari dhefisiti vari vagari vachagara kumutsa munhu kunonoka pamusoro kuzopiwawo muzvikwereti.

Iyo zvikwereti vachava kudiwa mugore ano

Financial vanoongorora chokwadi kuti gore rino achawedzera kudiwa mapurogiramu mogeji. Complex geopolitical mamiriro ezvinhu uye kusagadzikana pamusoro Gengi chichabatsira nechokwadi kuti kuwedzera chinokosha mari dzinokosha zvinhu - Real Estate uye nenyika.

mogeji

Kana uri kushamisika kuti kuti atore chikwereti zvakanaka zvino, zvakanaka kuti vasarudze chikwereti chikwereti, kunyanya munguva yemberi iri pedyo kuwedzera rinokosha mune mubereko for chidimbu ichi haisi kutarisirwa.

Car kweretesa

Uyewo kudiwa muna 2015 achava chikwereti kuti kutenga motokari, uye Russian kugadzirwa.

Izvi zvinogona kutsanangurwa zvikonzero zvinoverengeka. Chokutanga nokukurumidza kuwedzera mutengo motokari yokumwe. Uyezve, pashure Kushatiswa ukama EU kuti kudiwa motokari vatorwa Russia akawira munyika. Uyezve, vagari venyika yedu kubva uchiratidza kuzvipira kunyika zvikonzero, vanoda kurera mukurumbira zvipfuwo motokari indasitiri, vane zvinhu zviri dzimwe nguva isingadhuri pane kutorwa "mabhiza yesimbi". Saka, kana usingazive kana kuti atore chikwereti zvakanaka zvino, ipapo kutenga motokari Russian pamwe vakakwereta mari chichava chisarudzo chakarurama!

mutengi chikwereti

Chokwadi, usaora mukurumbira uye nevatengi neanokweretesa mapurogiramu avo. Zvisinei, anokwereta vanofanira kuziva kuti chimbadzo mu chidimbu ichi kuchawedzera kukoshesa. Chikonzero ndechokuti zvakare zvoupfumi uye kuderedza National mari. Kana marudzi maviri mubereko prices wokutanga achamuka zvishoma uye zvishoma nezvishoma, ipapo kwakadai chikwereti - zvikuru uye nokukurumidza.

Zvakaoma kupindura mibvunzo: "Ndinofanira kutora chikwereti? Kurarama nechikwereti zvino kana kutenga gare gare? "

Muna 2015, zvinogona anokwereta vanofanira zvakatoipisisa kuongorora mwero solvency yavo pamasikiro itsva chikwereti chibvumirano.

Pachava default mugore ano

VokuRussia vakawanda vanotya default mudzimai upfumi. Chii? Muchikamu ichi chinhu mamiriro ezvinhu umo nyika yausingagoni kubhadhara dzimwe zvikwereti. Akurudzirwa chokuti nyika yedu ine anenge asina kudaro. Kusvika pamwero wakati, mumwe default anogona kunzi kukundikana kuchinja mudyandigere hurongwa. Kukurukurwa akaipa chakajairika ari upfumi anogona kuitika sezvo pamusana bhajeti dhefisiti Somuenzaniso, kana tiri kutaura pamusoro kuderedza uwandu mari achibva kutengeswa nokuda aina zviwanikwa.

The pose dambudziko mugore ano kuchaderedza zvinodyiwa uye, naizvozvo, achawira simba kudiwa, iro zvechokwadi kuenda varove Russian upfumi yacho. Kugadzirisa dambudziko zvakakosha kumisa zvebhizimisi ukama China, izvo nyika yedu iri nechekare kugoverwa Mahydrocarbon kuti zvinobatsira zvoupfumi mamiriro ezvinhu munharaunda kumabvazuva munyika.

Chii chichaitika kune mari isimbe uye mubayiro

Pari pamutemo kuwedzera peturu mitengo uye kuwedzera mitengo. Food mitengo vachiwedzera kumusoro, uye Gengi rinokundwa.

Zvinorevei izvi? Chete kuti nenhumbi zvichava anodhura, uye vashandi vanhuwo havagoni kuvimba bonuses uye mari bonuses nezviremera. More zvikuru ezvokutengeserana ezvirevo zvichaita tanga kusauka zvekufamba, iyo yaibva kunotoreva kuwedzera urovha. Mari haazorambi ngazviwedzerwe, dzinenge mumwedzi mitanhatu 2015 rokutanga. Chero zvazvingava, iwe uchava kanomwe kufunga kuti kana kwete atore chikwereti iye zvino. Zvinofungwa nyanzvi panyaya iyi, zvinosuwisa, mwoyo.

Zvine musoro kuti kutora ichi gore, dzimwe mari zvikwereti

mubvunzo uyu zvinofanira akapindura sokukumbira. Kubatsira kuti mari anokwereta kuti chikwereti nokuwedzera mari uye euro zvakajeka. Muna 2008, vaya rakapa zvikwereti refu dzimwe mari panguva yayo rinoita kukura uye uripe chikwereti mu rubles, wakakunda. Pashure 3 months, American uye European mari yakatanga kunaya mutengo, ukuwo, anokwereta akatanga kubhadhara zvishoma. Kubatsira vakanzwa uye vatengi vasina kutsinhanisa currency of chikwereti kuna epamba Ruble. Gore rino, euro uye dhora haafaniri kuwa hasha, asi vamwe vanamazvikokota chiremera vanoti kuti kubudikidza chirimo mari achaita mari hapana anopfuura 45 rubles.

Tinofanira kutarisira chimbadzo maronda

Avo vari kunyanya zvakasimba hanya mubvunzo wokuti kana kwete kana kutora chikwereti ikozvino uye kunobatsira, vanofanira kuziva kuti haazoparadzi mubereko for pfupi.

Uye mumwe nyanzvi anotenda kuti hunotendera chikwereti uye anozviti kuti zviri nani kuva mabhanga, kwete zvitsva zvokukweretesa masangano Ukuwo, zvinonyanya zvichakubatsirai kuti formalize kuti chikwereti ikozvino vakasiya nokuti mubereko richaramba kukura, uye mumwe. Zvinofanira kusimbiswa kuti MFI anokwereta mari pasi 150% chete annum, izvo, chokwadi, zvikurusa. Kubhangi zvazvingava dererei zvikuru, asi onai kuti chikwereti akatendeka, shoma.

In kufunga kana kuti atore chikwereti zvakanaka zvino, kana nani kurega, hatikwanise pfungwa vaongorori zvemari avo vanokurudzira kukwereta mari iri rwezvemabhengi, apo mugove deposits vokuparidzira aine prices. The mazakwatira emari, akapiwa se chiyamuro, inoshanda rwezvemabhengi sangano, dzakanga ayo liquidity, izvo zvinopupurira rakavimbika.

Kunyange zvakadaro, tora kana kwete

Chokwadi, vakawanda mubvunzo kana kukwereta zvino uye kuti izvi zvinorevei, zviri rinokosha. Nyatsoongorora totarisa "zvayakanakira" uye "nezvayakaipira", uye chete ozokwira chisarudzo chokupedzisira. Zvifunge unoda chinhu, kutenga izvo zvaunoda kuti ape chikwereti. Nyatsoongorora kudzokorora yaivapo vaitaura ari rwezvemabhengi pamusika uye wasarudza pane chinonyanya zvisingabatsiri iwe. Kana unogona asingapindiri pamusoro chikwereti, zvakanakisisa kuita izvi kuitira kuti vadzivise matambudziko zvemari nezvinoitika. Nemamwe mashoko, kuronga chikwereti sezvo chokupedzisira Somuenzaniso, kana uchida kubhadhara vana vavo dzidzo kana anodhura kurapwa kwavo vadiwa.

General kurumbidza

Saka imi chokwadi kusarudza mubvunzo kana kuti atore chikwereti iye zvino. Useful Mazano pazasi achakubatsira.

Zvikurukuru vasarudze zvikwereti Ruble. Saka unogona kuderedza mukana kuwedzera uwandu chikwereti kuti kana dhora ichatanga kukura chiitiko. Kana ukapiwa ndaitambira mari iri US kana European mari, kukwereta mari nani zvichiri rubles. Kuderedza mwero National mari kuchabatsira kuti kuderedza yenyu chikwereti uwandu.

Onawo kuti zvinonyanya zvichakubatsirai kuti ape chikwereti kuti kutengwa chigadzirwa, sezvo chimbadzo pamusoro zviri kudzika kupfuura zvikwereti mari.

Chimbofunga kuti haufaniri kupinda panogasa mubhangi mari inishuwarenzi, uye dzimwe mari - zvose izvi nokuzvidira.

Uye, chokwadi, tarisa sei mumwe kana mumwe sangano zvemari yakavimbika. Asati kusaina kuti chikwereti chibvumirano nyatsoverenga ose mashoko, kunyanya avo akanyorwa anodhinda duku. Saka unogona kuzvidzivirira kubva zvisingafadzi zvinoshamisa munguva yemberi!