Ukuguqula inkqubo abonge kunye nengeniso

iimfuno ngokukhawuleza eziguqukayo lwabasebenzisi ukwenza ababoneleli ngeenkonzo zebhanki ukwandisa uluhlu lweenkonzo ukufumana izisombululo ezitsha ukwandisa iingeniso abantu, ulungelelene iimfuno umthengi ngamnye. Xa kufikwa ekuphuculeni umsebenzi ebhankini, ukuba kuyimfuneko, kuqala kwiinto zonke, ukuba ukuqinisekisa ukhuphiswano bezibonelelo esipoposhwayo semboleko yekhredithi kwaye uthelekise yingeniso yokwenene yabemi. I-Bank ofuna indlela ngokucokisekileyo ngakumbi uhlalutyo creditworthiness lesigulane eso, ukulawula phezu ukusetyenziswa ekujoliswe zentengo yemboleko, uyilo oluchanekileyo zokukhusela-mboleko kunye nezinye.

Kufuneka kuqatshelwe ukuba imeko ekhoyo kweli lizwe kukho iqela leengxaki leyo iza kucacisa imeko ebhankini xa uwonke kwaye ingakumbi imisebenzi yayo ngetyala kumntu ngamnye. Uzisombulule, kufuneka ukuphuhlisa sikhokelo yowiso-mthetho, zolawulo kunye methodological ngempumelelo ngakumbi kusaqulunqwa zombini elunxwemeni kwaye yi-Central Bank.

Eyona njongo ephambili ebalulekileyo yolawulo lwezimali kukwandisa umgangatho abanini ubutyebi, kwaye injongo yenkqubo zebhanki yonke kukuququzelela ukuba ingeniso yabantu Russian ziye zasekwa ukuze ukwaneliseka efanele iimfuno zentlalo.

Malunga nayo nayiphi na ibhanki, ulawulo phezu okuhlawula amatyala - sisiseko se -nkqubo ngetyala le ibhanki zorhwebo.

Ucazululo Dynamics lwamatyala omsebenzisi kule minyaka imbalwa idlulileyo libonakalise ukunyuka okuthe chu umthamo le hlobo nkonzo, kodwa kuqala yeengxaki zemali US, iibhanki ezininzi ujongene nengxaki ukutsala kwezibonelelo basemzini yeentengo nangoko kubonakala imithamo ukuboleka, kakade, sichaphazele yingeniso yabemi. iimfuno kubaboleki ngokuqinisa, ugunyaziso lomiselo yexeshana kwiintlobo ezithile ze mboleko, ukunyuka kwesantya senzala zikhokelele ekwehleni okuthe kwesantya uboleka abantu kulo lonke elo lizwe.

Enye yeentlobo nathembisayo ngetyala kwabathengi a abolekisa ngemali yequmrhu, apho abantu kubonelelwa mboleko kwiintlobo ngeentlobo mboleko yabathengi phantsi isiqinisekiso yomqeshi, enokuchaphazela kakhulu kwingeniso labemi kunye nesakhiwo sayo. Omnye umba obalulekileyo yokuphucula indlela yomboleki yeentengo zemboleko, nto leyo ebonisa ukuba lemivuzo ephantsi labemi belizwe, na uphuhliso nobudlelwano yebhanki kunye neenkampani ze-inshorensi kunye utshintsho-inshorensi kwempahla kunye ne-inshorensi yobomi le uboleke imali ukuba ayihlawule loo mali ngqo kumngcipheko xa uboleka kubemi. Olu hlobo inshorensi ibonelela ngesiqinisekiso oluthembekileyo yebhanki ngohlobo ipolisi ye-inshorensi, kwakunye enyanzela mboleki ucingisise ngenyameko ukukwazi kwakho ukuhlawula amatyala kwangexesha. Ukongeza, ibhanki ukwenzela ukuqinisekisa ukukhula koqoqosho oluzinzileyo kuyimfuneko ukuze bandise -mboleko yebhanki kuluntu, ukuphucula umgangatho kwinkqubo yolawulo lomngcipheko ngokwemiqathango ireyithingi ityala, ukuphucula umgangatho weenkonzo ngetyala, ukunciphisa iireyithi yokubolekisa ebhankini, ukukhuthaza ukwanda isabelo yesibambiso lwamakhaya ezibhankini ngeendleko yesibambiso ukwandisa olunokubakho kwiibhanki zorhwebo 'ngetyala.

Njengoko uhlobo ezichaseneyo imali eziphambili badla kuphuma ukuthenga currency zijikwe ngokukhululekileyo amazwe nokufumba kwayo okwalandela. Inzuzo lwemali amazwe iintengiselwano lokuthenga eyenziwe isantya utshintsho ngeranti engange kunye namazinga enzala iidipozithi kuloo lwemali.

Okwangoku, i-Bank inika iintlobo ezahlukeneyo iidipozithi zombini engange kunye lwemali amazwe. Ngokusisiseko, ixesha yedipozithi - ukuya ngonyaka, kwaye kwixesha elide - ukuya kwiminyaka emi-3. Kwaye sinika iintlobo ngeentlobo zendidi amazinga enzala iidipozithi. Kusenokuba fixed-rate, ezidadayo, kunye capitalisation of interest, iintlawulo zenyanga, kunye nentlawulo ngekota isicelo abatyali-mali.

Abemi ibeke ithemba ngakumbi kwindlela yokugcina imali, kwaye usoloko ukhetha ukutyala imali simahla ebhankini khona imali ezahlukeneyo kwemali kunye angaphandle, njengoko ikuvumela ukufumana ingeniso eyongezelelweyo evela imali kuhlehliselwe. Nangona kunjalo, inkqubo yangoku yokuqinisekisa imali umdla ziibhanki, oko kunokuba nzima. Kuyinto kude emile kugqitywe nokubunjwa kwayo.