Igcina Izimali: Iminikelo ngaphandle ingozi.

Propensity ukulondoloza - isici ebalulekile emvelweni yomuntu. Ngokuvamile, Inani elimaphakathi ukonga - engenayo ingqikithi umuntu ethathwe emithonjeni ehlukahlukene isikhathi izinyanga 3 kuya ngonyaka 1. Ngokusho isayensi yokuhlalisana kwabantu, esimweni wokuziphilisa, kunezinguqulo ezingaba ngu-200 (!) Of amaqembu disparate nomphakathi ukuthi zinenzuzo yabo orientation. Kafushane - ukulondoloza imali ngokusebenzisa iminikelo ngaphandle ingozi kungenzeka kubangelwa imigomo lehlukile. Kubantu abanamathela emasisweni nobuntu umphakathi umthengi, lokhu kungaba umshado omuhle kakhulu, kokuqala mortgage lokukhokha indlu, ukuthenga imoto ebiza. Ukuze namanye amaqembu omphakathi - uhambo grand, ukuthenga impahla kuleli zwe, ukuchitha kwezinye izinto zokuzilibazisa (isithuthuthu, isikebhe, indiza nokunye).

Indlela elula ukulondoloza ezezimali - ubuyise imali ebhange. Singasho ukuthi - okomnikelo ingozi, kusukela ukuphepha imali ukuze ruble ayizigidi 700 iqinisekisa isimo Reserve (ngesiRashiya - Agency Idiphozithi Insurance), lapho ibhange ngalinye linezinsuku ilayisensi, kwenza iminikelo. Ububi main yalolu hlobo imali - ongaphakeme zenzalo (kufika ku-12%), ngoba imali njalo depreciating. Ngakho labo cabanga ekuqongeleleni, kufanele sikhumbule - wangempela izinga lokwehla kwamandla emali eRussia ekupheleni 2012 Imali ilinganiselwa ngaphezulu kuka-15%!

Alternatives ukusevisa idiphozi yasebhange (eqinisweni, umnikelo ngaphandle ingozi) umuntu akanayo imfundo ekhethekile, kancane. Ake sithi-ke kungaba lwemali ewuketshezi, kodwa ngokumelene izinhlekelele komnotho US noma emazweni European Union kuba impela okuyingozi. Omunye ongakhetha - igolide, kodwa ngokomthetho (ngokusebenzisa Savings Bank) kungenzeka ukuthenga amanani kuphela okuningi kunalokho.

Nokho, kukhona indlela - ukutshala wemboni ezikhulayo kancane kancane komnotho Russian - ukwakhiwa micro-credit nebhajethi yokuhlala. Phela, "alpha and omega" yomnotho wethu - uwoyela, futhi eminyakeni ezayo, ngokusho kongoti, ezingeni intengo isisetshenziswa non-ivuselelwe izohlala injalo noma ukwandisa. Ngenxa yalokho, inflow of currency angaphandle eRussia izoqhubeka. Ngakho, umsebenzi umthengi kutawuhlala kutintfo letisetulu, futhi emkhakheni wezezimali niyochuma.

Ithuba ukutshala kulezi izimboni inikeza Metropolitan Financial Corporation iqembu izinkampani, kuhlanganise micro-ezezimali inhlangano "MFI-Banking", isabelomali yokuhlala lonjiniyela "IYABUZA", inkampani izivakashi "EstKlab Rus". Izimali ekukhuliseni amaphrojekthi zangempela inzuzo (hhayi reborrow kusukela Central Bank ngesilinganiso eliphezulu refinancing, njengoba kuvame ukwenziwa ngu ngamabhange), ngakho-ke sinikeza isiqinisekiso inzuzo - 17% ngonyaka. Ngakho singasho ukuthi lokhu anikelele samanje. Credit imali futhi letibita kancane kuyoba ziphoqa phakade! Ngaphezu kwalokho, "Capital Finance Corporation" iyona izixazululo ngomumo eyenziwe for yokufuna izindlu usuphelile LCD ezinkulu eMoscow noma esifundeni Moscow.