Refinancing zvazvingava - iri ... The kukarukureta pakati mwero refinancing

Nhasi isu edza kunzwisisa chii kunokanganisa kusiyana-siyana kwakaita chikwereti kubhengi mubereko rates, nei tinobhadhara okuwedzera yechikoro ari kukura mubereko pamusoro zvikwereti chero okuwedzera mari vanofanira kufunga kana insuring hwavo.

The Reserve Bank refinancing sechinhu chinokosha

The refinancing zvazvingava - ichi ndiko kunonyanya mudziyo kuburikidza nawo yezvokutengeserana masangano zvemari inopiwa pamwe achishandisa Central Bank. Chii basa paruzhinji simba?

Munhu wose anoziva kuti yose mari mutemo kuti Central Bank ndiye, uye chinangwa basa iri kuitira zvinakire nyika (vakakwira munembo). Ichi chikamu hurumende kwenguva refu inokosha mitemo panyaya kuramba vakadzikama ngaasungirire GDP.

The Reserve Bank ine levers kuti simba, yainzi zvigadziriswe kuita. Ivo vanotenderwa nomurayiro uye ndeinotevera:

• Kuderedza kushanda prices ezvokutengeserana mabhanga;
• Negadziriro yeparutivi nokugoverwa;
• Kuvhiya mumusika rakashama;
• akadzika kwebasa;
• Exchange kuzvidzora;
• refinancing prices masangano ezvokutengeserana paaivatambudza anomukweretesa mabasa.

Pfungwa uye kukarukureta pakati mwero refinancing

Sezvo tiri kutaura pamusoro zvishandiso simba pamusoro Central Bank, zvichaita omerera yokuteverera, nenzira kwayo, inokosha vavo. The refinancing zvazvingava - chiyero inopfurwa panyaya zveupfumi uye mitengo pezvakaitwa munyika. Kazhinji, hazvina haatarisiri mimwe Masvomhu, nokuti zvakajeka akasimbisa chinhu imwe nguva, asi zvakawanda pamusoro paikoko.

Zvino iwe unofanira kunzwisisa kuti zvakananga zvarinoita Kuwanikwa mbiri zvavo vanogara. The refinancing zvazvingava - ndiro ukoshi kuti anoita huwandu zvikwereti munyika. Nemamwe mashoko, rezasi ndiko kunonyanya rinofanira mhuri anogona kunobhadhara Zvirango uye mhosva pamusoro mari yakagamuchirwa nechikwereti.

Nenhanho entrepreneurial basa exchange kunokanganisa nehasha saizvozvo. The repasi ndiro, kunokonzera wokurarama chikwereti mari inogona kubatanidzwa pachavo mubhizimisi ravo. Sezvo chikamu muzana iwayo yakaderera.

Refinancing uye State

Saka, takaona kuti padanho reshiyo ichi chine rakananga kukanganisa zvakanaka zvose mhuri nemabhizimisi. Chii basa rake nokuti mamiriro? Hurumende, uyewo, anosarudza padanho kwemitero, Zvirango uye yechimbadzo refinancing unodiwa. Mune mamwe manzwi, zvinokanganisawo yose fiscal wokuti hurumende.

Eya, sezvo chinhu ichi chinhu vakawanda regulator Mari Rwako, pane ukama: rekukwazisa nenhanho mitengo munyika anotanga kusarudzwa kuti wakanakisisa vanochiva zvazvingava, ukuwo, rinobuda, nokudaro kuderedza uwandu zvireruke riwanikwe yevagari.

Kana fiscal mutemo, pane pamutemo muitiro zvakawanda kuoma.

Refinancing chikwereti chako uye

Ngatitangei nokuongorora chinokosha basa kuti nhengo dzose veimba - pachake mari mutero. Kana aingovawo munhu anotora chikwereti kubva wezvokutengeserana pamahombekombe, uye nguva yasvika kubhadhara mubereko, iye zvishoma akafunga pamusoro chii zvakavanzika makomisheni zviri ndanyarara hangu yoga. Chimbofunga nezvomuenzaniso unotevera. Ngatitii kuti chimbadzo kuti refinancing panguva iyo nokukwereta yakaiswa neHurumende pamwero 15%, ukuwo Bank inopa mari pa 11%. The optimum nhamba mukweretesi, pasi mitemo ano (Art. 212 RF), ndiyo 75% of akagadzawo mamiriro, i.e. 11.25%.

Zvakaratidza kuti mukwereti anoponesa pamusoro 0.25% of chikwereti, achitora chikwereti kubhengi. Kubva mari iyi, uye achave deducted pachavo mari mutero sechinhu zvinobatsira kuti yokuwedzera. Kazhinji zvaisanganisira mu mari SERVICING chikwereti chacho, uye kazhinji hapana inobhadhara nezvazvo zvikuru nokuda kwavo akaunganidza zvishoma.

Refinancing uye Business

Entrepreneurs ari Implementation pamusoro dzose mashandiro ari Central Bank mwero (refinancing) anogona kukanganisa chete kana vari dzaona kuti pakuunganidza pfuma kana mabasa securities (akadai wevimbiso manotsi kana zvisungo), izvo kare vakanga akatengwa kubva pati yechitatu. Ichi chirwere rinongoshandisirwa zviitiko apo zvinhu zviri pasi VAT nechigadziko, uye kutengeserana rinoitwa pamusoro munharaunda Russian Federation.

Zvadaro chezita mutero mutengo kuchawedzera uwandu mari pamusoro kuchengetedzeka. Izvi inorangarira chete mugove iro kwemari kupfuura aitoti kwokutanga kukarukureta, maererano refinancing coefficient.

Panyaya iyi, iyo refinancing mwero - ndicho mari nawo bhizimisi rako vangatambura. Naizvozvo, kana mufananidzo uyu kuzviwanira bhiri yakanga yakakwirira kupfuura panguva yacho kutengeserana, iyo entrepreneur acharasikirwa. Kana, nekusiyana, mwero akamuka - achaita kuramba mari kushandiswa.

Refinancing uye inishuwarenzi

Uyewo, Central Bank refinancing mwero ane vati simba pamusoro vemo 'mari kana ivo inishuwarenzi hwavo. Ungazviita sei?

Somuenzaniso, tora pane imwe nguva yakakurumbira mhando inishuwarenzi - mari imwe mari mari kuti kubudirira imwe zera. Ngatitii policyholder nguva kuti mipiro muhomwe dzavo kwemakore anoverengeka, uye gore rino ari kuchochora mubhadharo yasvika.

Zvakakosha kunzwisisa kuti zvakadini Hurumende Aimiririrwa refinancing mwero panguva tagutsikana chibvumirano inishuwarenzi. Kana musi kwokuripirwa muripo uwandu hakurevi kusapfuudza zvachose mufananidzo premiums, kuwedzera inokosha chinhu, zvino kutya chinhu pasina chikonzero. Kana uri kudaro, pamwe musiyano uchava kubhadhara mutero pamusoro pachavo mari kubatsira kudzidza zvakawanda.

How kuchinja kubva gore negore refinancing mwero

Mumakore gumi apfuura, reshiyo ichi chiri kuwanda 7-9%, izvo zvinoratidza mumwe kugadzikana mune mari pamusika kunyika. Kunyange zvakadaro, ndinoda kuona mamiriro ezvinhu umo mwero ine rakananga kukanganisa kwemaitiro zvebhizimisi mabhanga.

Somuenzaniso, chichiwedzera coefficient kuti refinancing. Muchiitiko chino, chikwereti mibatanidzwa uye nemamwe masangano aidaro achiposa mabasa, tinofanira zvimwe nekure kutarisirwa kuderera mune kudiwa mabasa avo. Zviri nyore - awedzere yechimbadzo urongwa mari.

Asi kwete ndizvozvo zvose. Zvinhu zvakadai handishanduki saizvozvo. Kazhinji vari, kana zvakaitika Hurumende iri pakutevedzera chitsva fiscal mutemo waidzora mitengo. Izvi zvinoreva kuti zvimwe kutevera kuchinja vatsva muchimiro yepamutemo pamutemo mabasa, saka nemabhengi anogadzirisa bhizimisi ravo pasi anotevera nemiitiro.

Refinancing uye capitalism

Chimbofunga mamiriro ezvinhu ari muenzaniso munyika dzakabudirira musika upfumi - the United States. The refinancing zvazvingava nhasi inoita basa rinokosha murau pamusoro fiscal mari kuyerera uye paumbwe Federal Reserve. In America, mufananidzo uyu anosarudza mashoko kubva muzana kuti anofanira kuripa zvokutenga bhengi panyaya kwekanguva kushandisa paruzhinji mari. Naizvozvo, kana nhamba haina yakakwirira zvakakwana, wezvokutengeserana gadziriro harisi pangozi, uye iye anogona kuita nyore kushandiswa. Zvisinei, rekukwazisa mwero anotanga kumuka, uye mabasa zvikwereti masangano ari pasi pangozi nokuti mukana kuti vachakwanisa kubhadhara yayo mitoro, anosiya hasha, izvo zvino vanotyisidzira Default.

The refinancing mwero Russia

Pane imwe nguva nhamba iyi akabatanidzwa rinokosha pakuita murau Mari inoyerera yakakura nyika. Saka, mukubata inflationary nezvemaitiro 1992-1996, reshiyo ichi asvika pamwero 99%.

Kana izvi runoyerera tinoberekwa hakuvaki upfumi, vakanga vachiri zvakanaka inodzorwa, uye nhamba yacho yakanga dzose kuwa. Zvino vezvokutengeserana zvemari masangano anogona nyore uye nenguva zvikuru mukana wakakwana kubva muzana kupa zvose refu uye zvenguva pfupi zvikwereti yakakwana (uye dzimwe nguva kunyange kupa chikwereti munhu usiku kana neSvondo), pasina vachibayira chero mukurumbira wayo kana zvido vatengi.

Uyezve, zvinofanira kucherechedzwa kuti refinancing mwero kudanana muna Russian Federation chinodzidzisa chete, kuti ari mumutemo uye ane runovimbisa kusvikira January 2016.