Haddii ay qaataan credit hadda? Waa in aan hadda ka amaahan iyo waxa taas macneheedu?

Waayo, inta badan ee muwaadiniinta ka baaraandegidda amaah ah - taasi waa sida kaliya ee ay u bartaan alaabtii la doonayo ama bixiyo adeegyada. Awoodin in ay soo iibsato baabuur ama guri dabaq ah lacag caddaan ah waa yar yihiin. Marka tan la eego, su'aasha in la soo qaato amaah ah hadda, waayo, Russia sida ay khuseyso sida abid.

rajada laga amaahdo hadda

In la eego xiisadda xiriirka dibadda la Europe iyo Mareykanka iyo sicir bararka goor wanaagsan hay'adaha bangiyada gudaha soo wajaheyso dhibaatooyin hantidooda halis ah. Sababtan awgeed, waxay si dhab ah fikirka ku saabsan korinta dulsaarka si ay u bartey kordhiyo in hantida waqtigan. arrinta ayaa ah mid qasan xaqiiqda ah in shatiyada burin, oo sidaas daraaddeed heerka kalsoonida on qayb ka mid ah maal-ayaa hoos u ool ah in hay'adaha bangiyada qaar.

Su'aasha in la soo qaato haatan amaah ah, halkii ba'an ganacsiyada yaryar iyo kuwa meel dhexaadka ah. Shuruudaha amaah jeediyey ayaa si weyn loo adkeeyay. shirkado badan oo si fudud u gudan waydo waajibaadkeeda on bixinta deynta iyo waxaa lagu qasbay in door biday in ay buuxineysid kacday.

hay'adaha bangiyada Khiyaamo anshaxa

Sida horeba carrabka ku adkeyney, hay'adaha amaahda ayaa adkeeyay shuruudaha deynsanaya. Si kastaba ha ahaatee, ilaa kordhinta dhab ah ee dulsaarka waxa aan weli la gaarey. Inkastoo dhibaatooyinka sii kordhaya la H1 tilmaanta, hay'adaha waaweyn ee bangiyada waa in degdeg ma in la beddelo kooxahoodii ay kala ahaayeen. Si kastaba ha ahaatee, aqoonyahanada waxeey aaminsan yihiin kororka heerka dulsaarka amaahda ee sanadka socda ayaa weli ku dhici doona. Dabcan, boqolkiiba deynsanaya welwelina ku saabsan in aad qaadato amaah ah hadda, iyo in la diidi doonaa lacag kordhin doonaa. Waxa ay ku samayn doonaa? Waxay u badan tahay in ay raadin doonaan xal kale oo ay ka haysato dhibaato dhaqaale oo ay ku tilmaamayaa in MFI ah. Haa, khubaro saadaaliyo 2015 koritaanka xoog leh qaybta Microfinance ah.

Si kastaba ha ahaatee, in hay'adaha amaah express dulsaarka uu noqon doono halkii weyn. All this ka dhanka ah asalka ah oo ah dhibaatooyinka dhaqaale, jeexan ee mushaharka iyo shaqaalaha yareynta markhaati furi doonaa oo ku saabsan mid ka mid ah wax - god deynta kori doono. Dabcan, su'aasha in la soo qaato amaah ah hadda, nin waluba wuxuu waa go'aan nafteeda, laakiin khubarada siin aragti niyad - in dulsaarka sare iyo hoos u dhaca lacagta caddaanka ah ee dadka ka cadhaysiin doonaa dib u dhac ah oo ku saabsan bixinta deynta.

Kaas oo amaah ku jiri doona baahida loo qabo in sanadka socda

Falanqeeyayaasha Financial hubiyo in sannadkan kordhin doontaa baahida loo qabo barnaamijyada mortgage. xaaladda geopolitical Complex iyo xasilooni ka mid ah sarrifka xaqiijin doona in la kordhiyo in la taaban karo ee qiimaha alaabta aasaasiga ah - hantida maguurtada ah iyo dalka.

mortgage

Haddii aad u yaabsan ka badan haddii ay qaataan deyn hadda, waxa fiican in laga doorato amaahda hantida maguuraanka ah, ayaa in ka badan si mustaqbalka dhow koror weyn oo dulsaarka ee qeybta this lama filayo.

Car Loan

Sidoo kale in dalabka 2015 uu noqon doono amaah ah iibka ah ee gaari, iyo wax soo saarka Ruush.

Tani waxaa lagu sharaxi karaa sababo dhowr ah. Midkii kowaad wuxuu si degdeg ah loo kordhiyo kharashka baabuurta shisheeye. Waxaa intaas dheer, kadib markii sii daraysa ee xiriirka baahida Midowga Yurub ee baabuurta ajnabiga ah ee Russia dhacay dalalka. Intaa waxaa dheer, muwaadiniinta dalka ka mid ah sababaha wadaninimo, doonaya in ay kor sharafta warshadaha ee guryaha baabuurta, kuwaas oo waxyaabaha ku jira waqtiyo ka raqiisan yahay "fardo bir ah" laga keeno. Sayidka, hadaydaan aqoonin aad in ay qaadato amaah ah hadda, ka dibna aad iibsanayso baabuur Ruush lacag u amaahannay noqon doonaa go'aanka saxda ah!

credit macaamiisha

Dabcan, ma waayi barnaamijyada caan iyo daynta macaamiisha ay. Si kastaba ha ahaatee, deynsanaya waa inuu ogaadaa in dulsaarka ee qeybta this kori doono si dhab ah. Sababta mar waa xiisadda dhaqaale iyo qiime dhaca lacagta qaranka. Haddii labada nooc ee hore ee dulsaarka yar oo si tartiib tartiib ah, ka dibna noocan ah amaah kici lahaa - soo maratay iyo si dhakhso ah.

Way adag tahay in aad ka jawaabto su'aalahan: "Miyaan qaadan amaah ah? Ku noolaanshaha on credit hadda ama ka dib iibsan? "

In 2015, deynsanaya iman kara in ka badan inta si dhab ah loo qiimeeyo heerka uu loobahanyahay of iyaga u gaar ah in design ah ee heshiiska cusub ee amaah.

waxaa jiri doona default ah ee sanadka socda

Russia badan ayaa ka baqa of default dhaqaalaha qoyska. Waa maxay? In qaybtan waa xaalad ay dalka ma awoodo inuu dib u bixiyo deynta shisheeye. Dhiirigelinayaa by xaqiiqada ah in dalka uu leeyahay ku dhowaad sida no. Ilaa xad, default ah oo la odhan karaa guuldaraystay in la casriyeeyo qaabka hawlgabka. Waxaa loo tixgeliyaa arrin taban in dhaqaalaha laga yaabaa inuu dhaco iyada oo sababtu tahay hoos u dhaca miisaaniyada, tusaale ahaan, haddii aan ka hadlayno yaraynta xaddiga lacagaha ka imanaya iibinta for dhoofinta khayraadka dabiiciga ah.

DHIBAATOOYINKA DUNIDA The sannadka hadda hoos u dhigi doontaa isticmaalka iyo, Sidaa darteed, ku dhici in baahida tamarta, kaas oo dhab ahaan u socdaan in ay ku dhacay dhaqaalaha Ruush. Si loo hagaajiyo xaaladda ay lagama maarmaan tahay in la dhiso xiriir ganacsi la Shiinaha, kaas oo in dalkeenu hore u qeybinayay Consort in faa'iido u leh xaaladda dhaqaale gobolada bariga ee dalka.

Maxaa ku dhici doona xasiloonida dhaqaale iyo mushaharka

Currently korodhka qiimaha shidaalka oo kor u ku diiwaan sicir bararka. Qiimaha cuntada kor kawadaan, iyo sarrifka uu hoos u dhaco.

Tani micneheedu waa maxay? Kaliya xaqiiqda ah in badeecadda waxay noqon doontaa kharash badan, iyo shaqaalaha caadiga ah kuma tiirsanaan karo lacagihii gunooyinka iyo lacag caddaan ah ka maamulka. More iyo ka badan dhismayaasha ganacsi bilaabi doonaa dacwadaha kacday, taas oo si toos ah wuxu u kaca ee shaqo la'aanta. Mushaaraadka doonaa lama kordhin, ugu yaraan lixdii bilood ee hore ee 2015. Si kastaba ha ahaatee, aad noqon doonaa toddoba jeer in aad ka fikirto in la qaato amaah ah hadda. Fikradaha khubaro ah oo ku saabsan arrintaan, nasiib daro, niyad jab.

Ma macno samaynayaa in la qaato sanadkan, deynta lacagta qalaad

Su'aashani waa in la jawaabay jirini. Faa'iidada of amaahdaana lacagta ee credit by sii kordhaysa ee dollar oo euro ah waa mid cad. Sannadkii 2008, kuwii ayaa soo saartay deynta muddada dheer ee lacagta qalaad lagu jiro kobaca firfircoon oo bixiyo deynta ee rubles, ayaa ku guuleystay. Muddo 3 bilood ka dib markii, lacagta Maraykanka iyo Yurub waxay bilaabeen inay dhici sicirka, ay u kala horreeyaan, deynsanaya waxay bilaabeen inay bixiyaan wax ka yar. Faa'iidooyinka dareemay iyo macaamiisha kuwaas oo aan is dhaafsadaan lacagta daynta ah si Ruble qoyska. Sannadkan, ka euro oo dollar waa in aan soo maratay dhici, laakiin qaar ka mid ah khubarada awood ay sheegayaan in ay xagaaga dollar mar dambe sii jirin ku kici doona 45 rubles.

Waa in aynu ka filan jeexan dulsaarka

Kuwa gaar ahaan si adag uga walaacsan Su'aasha ah in ama aan in ay qaataan credit hadda ku saabsan oo waa faa'iido, waa in ay ogaadaan in ay lama gooyn doonaa dulsaarka muddo gaaban.

Oo mid ka mid ah khubarada ayaa aaminsan in ansixiyay daynta iyo ku doodayaa in waxa fiican in aad la bangiyada ahaan, ma la hay'adaha Microfinance Dhanka kale, waxaa sii roon ku rasmiyaynayso amaah hadda tagay sababtoo ah danta sii si ay u koraan doonaa, oo kan kale. Waa in la adkeeyay in deynsanaya MFI lacag aad u hesho ka yar 150% sannadkii, kaas oo, Dabcan, aad, aad u tiro badan. Heerka bangiga waxaa aad uga hooseeya, laakiin si loo hubiyo in si amaah ah uu ansixiyo, ugu yaraan.

In ka fikireysa inay qaadato amaah ah hadda, ama ka fiican inaad ka fogaataan waxa ka, ma iska indho tiri kartaa aragtida ah falanqeeyayaasha dhaqaale kuwaas oo ku talinaynaa inaad soo amaahato lacag waa in bangiyada, halkaas oo qayb ka mid ah lacag dhigaal ah ee dadka ayaa heerar sare. The lacag badan, ka helay sida la gelin, hawl hay'ad bangiyada, ee ay hantidooda sare, taas oo ka marag furaa in ay isku halaynta.

Weli, waxay ku qaadan ama aan

Dabcan, su'aasha badan oo ka mid ah in ay hadda ka amaahan iyo waxa taas macneheedu, waa muhim. Si taxaddar leh u fiirsado "pros" iyo "khasaaraha", ka dibna kaliya go'aan kama dambays ah u qaadan. Ka fikir waxa ku saabsan waxaad u baahan tahay shayga, iibka ah ee aad rabto in aad soo saari amaah ah. Si taxaddar leh u eegi jeedinta jira suuqa bangiyada oo dooro mid ka mid ah in uu yahay ugu idiin roon. Haddii aad qaban karto off amaah ah, waxaa fiican inaad tan u sameeya si looga hortago dhibaatooyin dhaqaale lama filaan ah. In si kale loo dhigo, diyaarin amaahda miciinka u dambeeya, tusaale ahaan, haddii aad u baahan tahay in lagu bixiyo waxbarashada carruurtooda ama daawaynta qaali ah kuwa ay jecel yihiin.

talooyinka guud ee

Sidaas si wanaagsan aad go'aansato Su'aasha ah in ay qaataan deyn hadda. Talooyin fiicfiican hoos ku caawin doona.

Ugu horayn doorato amaah Ruble. Si aad u yareeyo kartaa halista sii kordhaya xaddiga daynta ay dhacdo in haddii dollar ka bilaabi doonaan in ay koraan. Haddii aad hesho mushahar ee Maraykanka ama lacagta Yurub, amaahato lacag fiican weli rubles. Yareynta heerka lacagta qaranka caawin doonaa si loo yareeyo lacagta deynta aad.

Sidoo kale ogsoonow in ay tahay ka badan u roon tahay in ay soo saaraan credit for iibka ah ee wax soo saarka, sida dulsaarka ku dul ka yar tahay in of deyn lacag caddaan ah.

Tixgeli ay xaqiiq tahay in aadan haysan in ee Duke of bangiga tago oo iskaga bixiyaan caymiska, iyo lacagaha kale - dhan of this waa ikhtiyaari.

Iyo, dabcan, hubi sida mid ka mid ah ama hay'ad kale oo maaliyadeed loogu kalsoonaan karo. Hor intaadan saxiixin heshiiska amaahda taxadir leh u akhri oo dhan la eego, gaar ahaan kuwa ku print yar ku qoran yihiin. Sidaas aad naftaada ka nixiya mustaqbalka badbaadin kartaa!