Sezvo pakutsvaga zvizere Mari chikwereti uye kuti chii chiri

Munguva yedu mashoko nzvimbo izere mazano pamusoro zvakanaka kwezvikwereti. Banking Masangano zvinobudisa mumwe kupfuura vamwe ezvinhu. Zvisinei, chinonyanya kukosha chakarurama kuti kugamuchira mari - inoshanda interest - kazhinji pakukurirwa zvinoyevedza kusarudza.

Asi pakupedzisira, zviri nemari inobhadharwa kuti kubhangi, akava zvokuti kakawanda inotambudza pashure nokuripira. Uyezve, pfungwa iyi inokosha zvikuru kuti mumwe nomumwe Entrepreneurs nemasangano. Zvichienderana panowanikwa vamwe mari iri kukosha zvikwereti, anoumbwa mari inoshandiswa uye mabasa.

sei ngaaverenge zvachose mari chikwereti. Ko pamwe pari mirayiro?

Sezvo akaverenga zvinobudirira chimbadzo? Kutozosvikira munguva ichangopfuura, hapana kuwirirana haana nyaya. Chero sangano rinobvumirwa Nzira aigona pakuzivisa basa zvikwereti. Kakawanda izvozvo akapa pauwandu hweavo vashomashoma, dzimwe nguva kaganhurana pfungwa uye ari refinancing unodiwa. Zvisinei, gare gare Zvakazoitika kuti kwokupedzisira kubhadhara iri kakawanda kupfuura akataura saizi.

The Bank of Russia muna 2008, akapinda kuna nyaya iyi uye vakagamuchira gwaro iri ndoupi mbiri masangano kuverenga chakarurama ichi. Zvino, kuti zvakanaka kuratidza zvizere Mari chikwereti, iyo nzira imwe inofanira kushandiswa.

Nenzira iyi, nzira iyi yava inodzorwa, uye, kunyange zvazvo inopa mamwe zvarakasiya, havasi chinokosha hunhu.

Chii kubhadhara vanobatanidzwa mutengo zvikwereti. Funga mubvunzo uyu zvakadzama

Pari chinobudirira chimbadzo rinosanganisira zvinotevera kubhadhara kuti mukwereti;

- mari, akatanga sechikamu mutsividzo huru chitsama chikwereti;

- mari, akasuma nechinangwa kwokuripirwa yechimbadzo chikwereti ;

- Commission pakudzokorora chikumbiro nokuda issuance yemutoo wezvikwereti kana chikwereti yechikoro (kashoma kushandiswa kana une chimiro yakavanzwa);

- Commission nokuti akaundi yokuzvigadzirisa (mari kushaya, kuchinjirwa kune rechitatu-party nyaya, etc.);

- Commission rinoshandiswa issuance pamusoro makadhi: mari kadhi, mazai ayo basa gore negore uye zvichingodaro.

Asi aya hakusi wakakwana. The azere Mari chikwereti mumakore achangodarika inokura kubhadhara iri inishuwarenzi yacho anokwereta kana ake basa iri urongwa anondibatsira upenyu. Zvinofanira kunzi saizvozvi pemahombekombe dzinofamba yavo pangozi pachavo pamafudzi vatengi. Zvisinei, kuti chikwereti vanogamuchira kazhinji nounyoro kubvumirana mazwi aya. Pashure pezvose, mari inodiwa.

Chii chitsama haina zvaisanganisira? Central Bank akagadza nhamba vachibhadhara, izvo mutengo zvikwereti haina kukanganiswa. Pano vari:

- kubhadhara vasiri zvaidiwa okuti zviri chikwereti chibvumirano akadai CTP, etc.

- Zvirango kwakaitwa mukwereti wacho asiri zvaidiwa okuti chesungano;

- kubhadhara chinoitwa kutanga pamusoro anokwereta, kazhinji - nokuti mangwanani mutsividzo basa kubhadhara nokuti ruzivo pamusoro chinzvimbo ari chikwereti nhoroondo, Komisheni nokuti nhanganyaya kana kushaya Mari;

Mune zvimwe zviitiko, mazita rakawedzerwa zvinosanganisira zvinotevera mari:

- Commission pamusoro mari kwema, kana chibvumirano yaiva rubles;

- Commission nokuti kwema kuitwa nemamwe chikwereti masangano;

- mubhadharo nokuti kuturika remapazi.

The azere Mari chikwereti inogona dzakasiyana siyana pamusoro Masvomhu zvichienderana kukura vachibhadhara. Kana anokwereta rinomira pamusoro kwenguva nenguva shanduko tsika dzavo, chikwereti mari iri pakutsvaga vaifanira rakawandisa uye nokuripira mazwi. Kana uchida mamwe leisurely dzose kubhadhara, kazhinji pamwedzi, izvozvo rinowanikwa pamusoro chikonzero izvi.

Zvinoita nyore anokwereta achakwanisa kuverenga zvose mari izvo aizofanira kubhadhara. Kutaura zvazviri, angangodaro, zvinoitika kuti nhamba ake achava zvakasiyana kumahombekombe. Uye, chokwadi, iri kurutivi duku. Saka zvakanaka nenzira iyi kuenzanisa zvinowanika kuti mabhanga. Hapana zvakawanda.