The azere Mari chikwereti - chii? CPM kukarukureta fomura

Kazhinji kuronga kutora chikwereti, tinofanira kuteerera mapepa masangano anopa basa rakadaro. Kumeso ne yakanaka chimbadzo, vatengi vanoshamisika pavanodzidza zvakadini somugumisiro zvizere Mari chikwereti.

The interest - ichi haisiri zvauri kuwana kana waita chibvumirano. Chitsama overpayment ndiyewo Runowanzosanganisira mari nyaya dzemapepa uye makomisheni siyana. Saka chii chiri kubudirira chimbadzo? Chii uye sei kuverenga chitsama overpayment? Ngatiedzei wofunga nyaya iyi.

Chii CPM?

Saka, chii chiri zvachose mutengo wacho chikwereti? Definition rinotitaurira kuti izvi izwi muchidimbu zvose zvinobvira mari uye pamwedzi kubhadhara chikwereti chacho. Under mutemo Russian, mari iyi inofanira dziri peji rokutanga kuti chikwereti chibvumirano, kana pane iri repamusoro zvakanaka wekona. Information kunofanira akanyudzwa ne sikweya pepuranga uye rakadhindwa kupfuura Fonts kuti anogona kushandiswa iyi. The chinyorwa chinofanira kutora kwete asingasviki 5% of zvachose nzvimbo peji. Saka kana ari kusaina chesungano unokwanisa kuona vazhinji akanyudzwa dema mativi puranga - ndiwo mutengo izere chikwereti. Chii, nemashoko nyore zvinogona kutsanangurwa sezvinotevera. Izvi zvose zviri mari kuti mari pamagumo kana waita chikwereti chibvumirano. Zvinosanganisira mhindu, anotuma, mumwe-nguva yechikoro, mubhadharo kumapati rechitatu, uye zvichingodaro.

Apo chinhu chakadai anoita?

The chete chikonzero munhu pfungwa yakadaro kunogona kunzi sezvo richishandiswa nomumwe zvemari masangano. Vakazongofunga kuti, achivimbisa vatengi attractively yakaderera kufarira rates, mabhengi vari "akanganwa" kuudza dzose kuyeuka mari, kuvimba kondirakiti. Kuvapo dzimwe mari anogona kuva pasi kufarira pamwero, kuti zvichaita vasina ukoshi zvachose.

The Zvakashatira anomukweretesa kwakadaro kuva mutengi haagoni sezvazviri kuongorora ramangwana uye overenga mauto ari chikwereti nokuripira. Kupera zvingatiita zvinosuwisa. Client kubhadhara yakakura inopfupikisa kushandisa chikwereti kugadzirisa. Panguva iyoyo zvinoita achitambura uye zvikwereti nhoroondo mukwereti.

Chokwadi, yakazarukira kubiridzira haisi kusvika - zvose zvinhu uye overpayment nesipereti pachena kunze kondirakiti. Asi kwete vagari vose vane yakakwana pamwero dzidzo, saka kuti pasina rubatsiro gweta uye Economist kunzwisisa nezvehukorokodzwa ayo. Zvose izvi zvakaita kuti chokwadi kuti muna 2013 mutemo unoda zvose zvemari masangano kuunza pfungwa vatengi zviratidzi dzakadai zvachose Mari chikwereti rakagamuchirwa Hurumende.

Chii yaunotarisira kunzwisisa. Ikozvino ngatitaurei pamusoro apo unogona kudzidza uye kuti pasina overenga mufananidzo uyu.

Sei kuziva zvizere Mari chikwereti?

Sezvambotaurwa, mashoko akadaro anofanira kuitwa pachena kuwanikwa. zvakananga Unogona kukumbira maneja: "? chii inobudirira chimbadzo" chii uye kupi kutarisa, imi munotoriziva. Saka unogona chete kutarisa peji chesungano wokutanga. Kana musingadi kuona yakarurama nhamba kuruoko nzvimbo, pane mukana wokufungisisa, uye regai kuhwanda kwamuri kana chinhu. Honest Bank haadi kuvanzira uwandu UCS. Izvi zvinoratidza kuti "kuchena" vavariro, uye pave mufananidzo akanaka kupfungwa ari pamusika mari.

Kuti tinzwisise sei kuverenga zvachose Mari chikwereti, unofanira kuziva chii chinobatanidzwa dzemaitirwe uye chii haana kumbofunga nezvarwo.

Chii chinobatanidzwa mu CPM?

Havasi vose mari inobhadharwa nokuda nemhosva, kushandiswa dzemaitirwe chaidzo chimbadzo. Chikwereti Calculator (karukureta unobatsira iwe) zvingasanganisira zvinotevera parameters:

• maitikiro (periodicity) pakati mutsividzo of chikwereti;
• mari kuti mari utariri mabasa;
• kuripwa mubereko;
• Payment vachida 3 persons vane mabasa zvinodiwa kuti issuance pamusoro chikwereti mari;
• Commission (muunganidzwa) nokuti kufunga kushanda uye issuance kuti chikwereti;
• mari issuance ane muripo kadhi kana wemagetsi mubhadharo mudziyo, nzvimbo iri mhedziso chibvumirano;
• vachibhadharisa pakuchinja nokuvhura rokubhengi.

mapato Chechitatu, muchiitiko ichi kunogona kunzi:

• Developers;
• nyanzvi appraiser;
• gweta;
• inishuwarenzi sangano;

Sezvo kuguma chikwereti chibvumirano mashoma makore kumwedzi rakanyatsojeka zvakaoma kufungidzira chii chichava dziine kumapati rechitatu pashure kwechinguva, dzemaitirwe iri zvachose Verengai zvikwereti iwayo anoshandiswa kuti kuvapo panguva kusaina chibvumirano.

Kuti haina zvaisanganisira?

Vanofanira kuziva kuti havasi vose Tangai chokuita chikwereti kubudiswa, unogona kutorwa paunoronga pakuverenga ari UCS. The anosiyiwa ndiwo:

1. The mari vakanga haana kuiswawo pakati chikwereti nemashoko, asi zvatinopiwa emurairo.
2. Kuripwa fines uye Zvirango kuparara zvemupiro chikwereti chibvumirano.
3. Commission, zvinowanikwa chibvumirano uye zvichienderana nomufambiro nemhosva.

To okupedzisira nguva zvinosanganisira zvinotevera:

• Chirango mangwanani nokuripira yemutoo wezvikwereti.
• Fee nokuti Kuregedzesa mari kubva ATM. Vamwe mabhanga kupa mari chete kutamira kune debit kadhi. Panguva iyoyowo, kana iwe edza kubvisa yose uwandu kana chikamu mu "dzisiri chizvarwa" ATM newe achachengeta chimwezve ndivo.
• The vachibhadharisa pakuchinja urongwa mashoko pamusoro uwandu chikwereti kuburikidza SMS kana e-mail.
• Commission kubhadhara nokuti mufambiro remapazi mu currency zvakasiyana kubva apo chikwereti wakabudiswa. Somuenzaniso, kana iwe Ruble rokubhengi, uye iwe wakaita kutenga mu vokuJapan paIndaneti chitoro.
• Komisheni mhosva pamahombekombe kuti kuchinjwa mari nezvimwe chikwereti masangano.
• Muripo mukana kumbomira rwezvemabhengi kwema (kadhi ichivharira).

fomura

An kukarukureta chaiwo indekisi ichi chiri musimboti hazvibviri, nokuti zvose zvinoenderana kana yepakutanga chikwereti ezvinhu zvakasangana, kusvikira zvidukuduku. Bank of Russia nokuti CPM kukarukureta iri sechibayiro yakaoma inonyatsoita kuti haisi kunyange mubhengi mushandi anokwanisa zvakarurama kuverenga zvose panguva yokutanga. Tingatii pamusoro zvavo vagari.

Pepa ichi, isu zvamaronga zvikuru nyore (kunyange asi rough) kukarukureta yacho chikwereti. Calculator uchiri kuda, asi kuverenga asingatakuri nguva yakawanda. Saka, nzira: UCS = TFR + Ch + P, apo:

• TFR - chitsama mbiri (chikwereti);
• Ck - kukosha zvose makomisheni somunhu mumwe-kure uye nguva nenguva;
• P - the chimbadzo;
• UCS - izere (zvachose) Mari chikwereti.

Data vose mutoo uyu akataurwa panyama nemashoko, asi ari chikwereti mari. The zvachose kukura makomisheni rinowanikwa nokuwedzera yose anozivikanwa kwazvo nokuda zvizere nguva chesungano. Ukuru zvachose mutsividzo% mwero inogona kuwanikwa purogiramu vachibhadhara. Zvinofanira hako rupiwe pamahombekombe.

Muenzaniso pakuverenga zvachose mutengo nokukwereta

Ngatitorei rinoshanda Kutarira sei kuverenga zvachose Mari chikwereti. muenzaniso:

• chikwereti 320 and. E kwemakore 3 pamwero 16% negore .;
• nokuti chikwereti zvikunde basa - 2%;
• Abhadhare mari zvakanaka services - 1,2%.

First unofanira huwandu chikuru kufarira, unogona kuonekwa chikwereti chibvumirano. Kwatiri, kuti pagore negore mubhadharo nzira chitsama overpayment achava 85. e.

Tinotenda rairo nokuda issuance ose 320 and. e. * 2% 6.4 = y. e.

Zvino tinoona kuti vazhinji Commission kuti mari zvakanaka mabasa: (.... 320 bv + 82 cu) * 1,2% = 4,86 in. e.

Mushure ose Masvomhu zvinoita kuziva zvizere uwandu 320 and. e. +85 Y. e. + 6.4 Y. e. + 4.86 mu. e. = 416,26 pa. e.

Kazhinji, hapana kwakaoma. Chokwadi, ichi hachisi yose mari kuti sendi, izvo vachasunungurwa dzemaitirwe munhu kunzwisisa nzira, wakatangwa neHurumende. Asi kusiyana havasi zvinokosha chaizvo. Unogona kushandisa dzakasiyana-siyana chikwereti macalculator, zhinji akaisa paIndaneti nokuda Masvomhu rakanyatsorurama.

Chii anopa Kuongorora inoratidza CPM?

Kuziva zvizere kukosha chikwereti pakutanga kunokupa pfungwa zvakajeka chaiye kukura overpayment racho chikwereti pa kukura. Saka, kana anoita kuenzana mubereko rates, unogona kusarudza imwe rwezvemabhengi chigadzirwa, izvo zvichava isingadhuri. Zvisinei, hatifaniri kukanganwa kuti tinyatsonzwisisa kuti CPM haatori zvakawanda zvinhu - iri tsika zvingasava sapamazuva Masvomhu.

Somuenzaniso, mumwe munhu anogona kuwana mari uye kubhadhara chikwereti mberi purogiramu. Panyaya iyi, iyo overpayment zvichange yekudyidzana ipfupi. Asi unogona kuenda mumwe nzira. Sokunonoka ari Implementation kuti chibvumirano zvokudya angaguma Zvirango kuti vakawanda nguva kuchawedzera chitsama overpayment. Saka, pakusarudza mubhengi chigadzirwa haavimbi Pamuganhu tsika nokuda zvachose Mari chikwereti, unofanira kuedza kupa zvose zvavanogona.

NeHurumende pamusoro nemisha

Chimwe chinokosha mashandiro ari Central Bank ndiko kuongorora mamwe masangano zvemari. Chinangwa chikuru ichi - vachiongorora kuitira kuti mabhanga havashushi simba ravo uye inflated mubereko prices mubereko. Panyaya iyi, Central Bank iri Quarterly hwaro anounganidza anodiwa ruzivo uye rinobudisa avhareji musika kukosha CPM nokuti mifananidzo akasiyana zvikwereti. All masangano chikwereti vanosungirwa kufunga parameters izvi. Ipa mamiriro pasi izvo zvachose kukosha chikwereti akapfuudza musika avhareji neinopfuura 1/3, mabhengi havabvumirwi.

PSK, inozivisa musimboti mabhanga zvechokwadi average. Pashure pezvose, vari dzaona pahwaro mashoko kubva kanenge 100 chikwereti chikuru, kana 1/3 kuti masangano zvemari munyika ichipa chero chaiyo chikwereti chigadzirwa.