Kwemasvomhu kukarukureta chirango panguva refinancing mwero

pakakuvara chibvumirano

In zvinoitirwawo kunonoka ari Implementation mutoro wayo waiti ari chibvumirano, bato zvakanyeverwa kutyorwa kwakaitika, vanogona kutarisira kuti kubhadhariswa muchimiro marangirwo kana fines. It rinowanikwa rimwe zuva kunonoka mushure nguva inotaurwa kondirakiti. Uye saizi yayo akatsunga maererano remazana mumwe matatu chikamu refinancing mwero Central Bank munyika, kuita musi muripo. Mutadzi achasunungurwa zvayo sungiro kana kuratidza kuti kunonoka haana mhosva yake, asi nokuda Kupindira dzebato rechitatu, njodzi dzinongoitika dzoga uye dzimwe nezvinoitika ezvinhu. Uyezve, urongwa mutongo ari chibvumirano zvinodiwa zvinhu izvozvo, sezvairayirwa mitemo yacho Russian Federation.

The nguva divi mhosva pakakuvara chibvumirano

Mazuva kunonoka dzakava panopera zuva rokupedzisira zvaidiwa nokubatira pasi chibvumirano. Mushure kuuraya dzavo, yakareba zvachose kunonoka kubva panguva chiito kuti wazvipira. Kana mutoro haana zvakazadziswa, uye bato, nokuda iyo kwaiva kutyora zvibvumirano, akagadzirira kubhadhara nhoroondo chirango, musi muunganidzwa nenhoroondo uye ndeyekupedzisira rokuti chirango muripo.

Kukarukureta chirango panguva refinancing mwero

Kuramba chitsama undelivered zvinhu kana vasiri akagovera mabasa ane chokukomborerwa kukura munataisireva, maererano izvo chakayerwa ukoshi hunonyanya mitoro. Muzviitiko apo chibvumirano chakaitwa muna chikamu mutongo dzaona panguva refinancing mwero rinoitwa maererano musiyano chesungano mutengo uye ukuru akagamuchira zvinhu kana mabasa. Izvozvo kunoshamisa munataisireva vari akayera sezvavakanga zvinhu (muzvikamu, mbiri, makirogiramu, etc.) inopiwa kondirakiti mashoko zvinokosha, kana richaroromeswa vakapiwa zvinhu kune imwe pfungwa kana pamwe underfulfilled shoma zviduku pfungwa chesungano.

How kuverenga chirango panguva refinancing mwero

Kuti aite nhanho Pakusarudza chaiyo chirango muripo maererano refinancing mwero zvakakodzera, vakapiwa nguva kuzadziswa sungiro, kufungisisa kukura mwero pazuva rokutanga kusvikira pazuva rokupedzisira, uyewo chero kuchinja nayo nguva dzose. Saka, kana mutongo izwi iri mazuva 100, nokuti icho pamazuva 25 okutanga akanga akaenzana mwero 6,5%, rinotevera 50 Mazuva - 7% uye akasara mazuva 25 - 7.2%, paavhareji mwero inofanira dzaona sezvinotevera:

(6,5 × 25 + 7 × 50 + 7,2 × 25) / 100 = 6,92

Kukarukureta chirango panguva refinancing mwero kuti mumwe nhamba kufarira, pasinei kuitika kuchinja panguva yose nguva vasiri kutevedzera sungiro yaifanira maererano fomura:

A = B × ((CP / 300) / 100) × D;

apo:

A - ukoshi mutongo;

CP - refinancing zvazvingava;

In - uwandu hunoshamisa wazvipira;

D - Mazuva nonoka.

The okunze ari nzira dziri pachena chaizvo uye musoro kuti ruzhinji nhengo evanhu vemazuva ano, ndine mano kuramba mabhizimisi ukama. inoshandisa
nzwisisa kukarukureta pamusoro Zvirango pamusoro refinancing unodiwa. Izvo, akavapindurawo, ndiko mhando kwokutsungirira mubereko-mari Chinoshandiswa nokuyerwa tsika, zvichienderana musika nokufamba. Kuwedzera kukarukureta chirango, itsika kushandisa, kuziva bhengi zvazvingava, mutero pauwandu hweavo, ratios zaymovyh makondirakiti uye mamwe mabasa anoda kupindira chinangwa chipimo zviumbu dzakashandisa kumusika ezvinhu uye nokufamba ari dzakasiyana nguva.