Refinancing tere - ko ... te tātaitanga o te auau o refinancing

I teie mahana, tamata tatou ki te matau ki ta pānga te tātāu o ngä päpätanga huamoni pēke nama, aha tatou utu utu atu i te paari moni i runga i loans o tetahi atu deductions Me whai whakaaro, no te tuku rīanga mō to ratou oraraa.

Ko te refinancing pēke pokapū rite te huānga matua

Ko te auau refinancing - ko matua tenei te mea i roto i nei e whakaratohia arumoni pūtahi pūtea ki nga tikanga o te Central Bank. He aha te mea te tūranga o te mana tūmatanui?

Te tangata e matau e te kaupapa here moni katoa o te Central Bank he haepapa, me te whakaaro o tenei mahi ko ki te whakarite i te toko i te ora o te whenua (ki runga, ki te tohu). Ko wāhanga o ngā kaupapa here rautaki a te kāwanatanga wā roa-ki te faatura ki te whakaū i te GDP here tika tenei.

He ona hua o te mana, ka karanga huarahi o te mahi te pēke pokapū. E whakaaetia ratou i te ture, me te he e whai ake nei:

• Whāiti nga reiti whakahaere o tahatika arumoni;
• e fakafuofua Pūrua;
• pokanga i roto i te mākete tuwhera;
• tuku mahi;
• mana utu;
• refinancing reiti o ngā rōpū arumoni mahi i roto i ngā mahi moni.

Ko te ariā me te tātaitanga o te auau o refinancing

Mai e korero tatou e pā ana ki te taputapu o te mana o te Central Bank, ka arotahi te reira i runga i te muri, me te, i roto i tona ara, te nui te nuinga o ratou. Ko te auau refinancing - he mehua i hanga e te ki te faatura ki ngā tukanga ōhanga me te pikinga i roto i te whenua. Ka rite ki te tikanga, e kore te reira e rapua e tātaitanga atu, no te mea kua mārama whakapumautia reira take i roto i te tetahi wā, engari atu i runga i taua i muri.

Na kia matau koe e te reira tika pānga te wātea o nama mo te taupori whānui. Ko te auau refinancing - ko te uara e regulates te nui o loans i roto i te whenua tenei. I roto i te mau parau te tahi atu, te raro ko reira, te nui te tūponotanga e taea whare utu ki te utu whiu me utu i runga i moni riro i roto i te nama.

I runga i te taumata o te auau mahi pakihi pānga pakeke te ara ano. Ko te raro ko reira, e taea te whai wāhi te nui nga moni taurewa whakakopa i roto i to ratou ake mahi. Mai te mea tino iti te ōrau.

Refinancing me te State

Na, ka mohio tatou e te taumata o tenei ōwehenga he pānga tika i runga i te pai o e rua whare me pakihi. He aha te mea i tona tūranga mo te āhua? Te kāwanatanga, i roto i te tahuri, whakatau te taumata o takoha, whiu, me te moni i runga i te auau refinancing. I roto i te mau parau te tahi atu, pānga reira te katoa kaupapa here moni o te kāwanatanga.

Well, mai tenei take ko te regulator whānui o kapewhiti, i reira te mea he tetahi hononga: te taenga atu ano te taumata o te pikinga i roto i te whenua tīmata ki te kia tīpakohia ki te taumata hopea, auau, aua, e whakatika, reira whakaiti i te nui o huanga e wātea ana ki te taupori.

Ko te kaupapa here moni, i reira he he nui atu uaua te tukanga ture.

Refinancing koutou taurewa, me te

Kia whakaaro tuatahi tatou te ohipa tino nui mō ngā mema katoa o te whare - te tāke whiwhinga moni whaiaro. A, no te e te tangata noa te pūtea tārewa i te pēke arumoni, me tae mai te wa ki te utu i te moni, ia iti whakaaro i runga i te mea e utua kōmihana huna motuhake. A feruri i te hi'oraa e whai ake nei. Tera pea te auau huamoni o refinancing i te wa whakaturia te tono e te kāwanatanga i te tere o te 15%, i te Bank whakarato moni i 11%. Ko te ōwehenga tino arotau o te moni, i raro i te ture o nāianei (Art. 212 RF), ko te 75% o te kāwanatanga tāutatia, i.e. 11.25%.

Huri i te reira i roto i e whakaora i te nama i runga i 0,25% o te pūtea tārewa, tango i te pūtea taurewa i te pareparenga. Mai i tenei nui, a ka kua tangohia ia tāke moni whaiaro rite te painga mo te anō. Kei te nuinga o te wā ngā reira i roto i te utu o te tukunga i te taurewa, me maha tangata nui whakarongo utua ratou no o ratou iti putu.

Refinancing me Pakihi

Kaipakihi i roto i te whakatinanatanga o te mahi o ia rä o te auau Central Bank (refinancing) taea pā anake, ki te e tātai ratou mo te rironga o taonga ratonga ranei i roto i te peeke (pērā i tuhipoka promissory ranei here), i hokona nei i mua i te rōpū tuatoru. E pā ana tēnei huru anake ki te wā i reira e raro ki te turanga takahanga nga taonga, a ka kawea te tauwhitinga i roto i runga i te rohe o te Russian Federation.

Na ka whakanui i utu tāke iti te nui o te moni i runga i te peeke. e tenei ki pūkete anake e wahi o te moni e nui whakaaetia i roto i te tātai tuatahi, i roto i runga i te tau whakarea refinancing.

I roto i tenei take, i te auau refinancing - ko te moni i ai kia mamae to koutou mahi tenei. Na reira, ki te ko ki runga ake i te wa o te hoko tenei ahua te pire te hopu, ka ngaro i te kaipakihi. Ki te, i runga i te anga ke, ka whakatika te auau - ka noho ia i roto i te pai i ngā mahi.

Refinancing me te inihua

I tua atu, i te auau refinancing Central Bank kua he tetahi tohu o te mana i runga i te moni tangata 'ina inihua ratou to ratou oraraa. Pehea e mahi i te reira?

Ka rite ki te tauira, te tango i i te wa kotahi i te momo rongonui o te inihua - moni o te nui etahi o moni mo te paetae o te ngā tau. Tera pea hanga policyholder wā takoha i to ratou ake whitiki mo te maha o nga tau, me tenei tau tae te utu hiahiatia.

He mea nui ki te matau ki te aha whānuitanga māngai te āhua i te taha o te auau refinancing i te wa o te mutunga o te kirimana inihua. Ki te kore e nui ake te rā o te utu o te moni utu te katoa ahua o utu, he hua o te take utu nui, na e wehi tetahi mea kahore take. Ki te i runga i te anga ke, me te rerekētanga ka whai koe ki te utu tāke i runga i moni whaiaro mo te painga o te ako atu.

Me pēhea te ki te huri i i tau ki tau te auau refinancing

Neke atu i te te tekau tau o mua, ko tenei ōwehenga i roto i te whānuitanga o 7-9%, e fokotuu he tetahi pūmautanga i roto i te mākete moni whenua. Otiia, e hiahia ana ahau ki te kite i te āhuatanga i reira te auau he pānga tika i runga i te whanonga o tahatika arumoni.

Hei tauira, te tau whakarea o refinancing nui haere. I roto i tenei take, ngā uniana nama me ētahi atu whare rave i roto i ngā mahi tuku moni, me te hopoia utu mo te heke tūmanakohia i roto i te tono mo o ratou ratonga. E mea ohie - whakanui i te moni i runga i te whakarato o moni.

Otiia e kore e katoa te e. e kore e taua āhuatanga huri noa rite taua. Tūponotanga e, ki te tupu i te reira, kei te whakatinana i te State he kaupapa here moni hou ki te whakahaere i te pikinga. tikanga o tēnei e whai atu hanganga hou i roto i te puka o te ture mahi ture, kia ka whakarite i te pareparenga ratou mahi i raro i nga ngā muri.

Refinancing me te moni

A feruri i te āhuatanga i runga i te tauira o whenua ki öhanga mākete whakawhanakehia - te United States. Ko te auau refinancing tenei ra e whai wāhi nui i roto i te ture o te rere moni pūtea me te hanganga o te Reserve Federal. I roto i Amerika, i tenei ahua whakatau te ōrau e me utu i te pēke arumoni i roto i te take o te whakamahi rangitahi o moni tūmatanui. Na reira, ki te kahore he tiketike nui te ōwehenga, te pūnaha arumoni te kore mōrearea, a taea ngāwari ia te mahi i ngā mahi. Heoi, te taenga atu ano te auau tīmata ki te whakatika, me te mahi o ngā pūtahi nama kei raro i riri no te mea i te tūponotanga e ka e taea ki te utu i tona ake herenga ratou, makaka koi, e ka fakamanamanai ki taunoa.

Ko te rate refinancing i Russia

I tetahi wa kua takaro tenei ahua he wāhi nui i roto i te ture o te kapewhiti i roto i te whenua nui. Na, i roto i te pā ana ki ngā inflationary i roto i 1992-1996, tae tenei ōwehenga he taumata o 99%.

A, no te rere enei ohanga e hawata ana tūturu, i ngā pai whakaritea, me ngā wā katoa i te ahua i hinga. Na arumoni pūtahi pūtea e taea ngāwari me i tino he te ōrau tika ki te whakarato e rua wā-roa, me te wā-poto taurewa he rawaka (me ētahi wā noa hoatu nama mō te kotahi te po wiki ranei), kahore he patu tetahi o ona ingoa ngākau nuitanga o te kiritaki ranei.

Ano, kia tuhia te reira e te auau refinancing ki te rā i roto i te Russian Federation he kōrero anake, tohutohu e te i roto i te ture, me te he taurangi o runga ki Hānuere 2016.