nā uku panee ma nā panakō, he aha nā kumukūʻai ma nā panakō Lūkini?

ʻO ke kūʻai ʻana i kahi kaʻa he hanana koʻikoʻi i ke ola: i kēia manawa hiki iā ʻoe ke poina e pili ana i ka halihali lehulehu a hoʻomaʻamaʻa i ke kūʻokoʻa o ka neʻe.

Wahi a nā ʻikepili no 2012-2013, kokoke i ka hapalua o nā kaʻa pilikino a pau i kūʻai ʻia ma ka hōʻaiʻē.

ʻAʻole i loli ke ʻano i ka makahiki 2014, a ʻoiai ʻaʻohe helu helu piha no 2014 akā naʻe, ʻaʻole i nalowale ke kumuhana o nā hōʻaiʻē kaʻa.

Hāʻawi nā panakō Lūkini, e kau mālie, ʻoi aku a i ʻole nā ​​kūlana tolerable, no laila hoʻoholo ka poʻe e lawe i kahi hōʻaiʻē a overpay i kahi nui. ʻOiaʻiʻo, inā ʻoe e noi no kahi hōʻaiʻē kaʻa mai 500 tausani, a laila ma kahi o 12-15 pakeneka o ka makahiki, ʻo ka overpayment no kēia manawa he 36-45 pakeneka - ma kahi o 5-6 tausani i kēlā me kēia mahina. Me ka uku o 25-50 tausani rubles, ʻaʻole nui kēia.

Ua noʻonoʻo mākou i nā kūlana ma nā panakō he nui ma Vodi.su: Sberbank, Rosselkhozbank, Home Credit, VTB-24.

I kēia manawa makemake wau e nānā i ke kūlana holoʻokoʻa.

Ka uku panee no ka aie kaa ma Rusia

ʻO ka mea mua, pono e ʻōlelo ʻia aia ʻo Rūsia ma kahi mamao loa mai ʻEulopa a me ʻAmelika, kahi i loaʻa ai ka uku paneʻe ma ka awelika 2-3 mau manawa haʻahaʻa ma mua o kā mākou mau panakō haʻaheo:

• USA - mai 3,88% no ka makahiki;
• Kelemānia - 4-5 i ka makahiki;
• Palani 5-7 i ka makahiki;
• ʻO Pokukala kekahi o nā haʻahaʻa haʻahaʻa loa o 2,75-3 pakeneka.

ʻO ka heluhelu ʻana i kēlā ʻikepili, hoʻokomo ʻole ʻoe i loko o ke kaumaha, ʻike ʻia ʻo ka poʻe waiwai loa o ka honua e noho nei ma Rusia. ʻOiaʻiʻo, ma ke ʻano o ka nui o nā oligarchs a me nā miliona miliona, ʻoi aku mākou ma mua o ke koena. Akā, he aha ke kumu o kēlā ʻano like ʻole? Ma hope o nā mea a pau, ʻoi aku ka nui o ka ʻAmelika a i ʻole ʻEulopa i nā manawa he nui ma mua o ka Lūkini, no ke aha lākou i haʻahaʻa ai?

He maʻalahi loa ka pane - kūʻokoʻa kālā. I ka makahiki 2013, ua piʻi ka inflation ma Rūsia ma kahi o 6%, ʻoiai ma ʻEulopa ua loli ma waena o 1,5-2%. Me kēia kiʻekiʻe o ka hoʻonuiʻana, ua hoʻonohonoho nā National Banks i kahi hōʻai'ē, ma lalo o ka hikiʻole ke uku. I ka EU, he 0,75 pakeneka ka uku ho'ēmi, ma US - 0,25, pono, ma Rusia - 8,25%, ʻo ia hoʻi, ʻaʻole ʻoe e ʻike i kahi hōʻaiʻē kaʻa me ka uku pānaʻi makahiki ma lalo o 8, ʻokoʻa, pono ka panakō i ka loaʻa kālā a hoʻohui lākou i kā lākou mau pilikia, nā lilo, nā komisina, nā uku a pēlā aku i kēia ʻewalu pakeneka.

ʻAʻole hoʻoikaika nā wānana i kēia manawa, ʻo ka piʻi ʻana o ka inflation ma Rūsia mai ka hoʻomaka ʻana o 2014 i ʻoi aku ma mua o ʻehiku pakeneka, e hōʻike ana i ka piʻi ʻana o ka uku paneʻe ma nā hōʻaiʻē. ʻOiai aia ka manaʻo i ka pae o ka hoʻonui ʻana i kēia manawa, ʻoi aku ka kiʻekiʻe o ka uku hoʻemi o ka Central Bank of Russia.

Ma muli o kēia mau ʻikepili, hiki iā mākou ke hoʻokokoke i ka noʻonoʻo ʻana i nā kūlana hōʻaiʻē ma nā waihona like ʻole:

• Sberbank - 13,5-16%;
• Gazprombank - 10,5-13,5;
• Alfa-Bank - 13,5-15,5;
• UralSib - 9-15;
• VTB-24 - 12,5-20,99;
• UniCreditBank - 11,5-19,5.

Hiki ke hele i ka papa inoa, akā ua maopopo ke kiʻi holoʻokoʻa - ke hoʻāʻo nei nā panakō e hōʻemi loa i kā lākou mau pilikia ma ka hoʻonohonoho ʻana i nā uku paneʻe ʻaʻole i haʻahaʻa ma mua o ka refinancing rate o ka Central Bank of Russia - 8,25%, a me kā lākou lawe i loko. e helu i ko lakou mau lilo.

Hiki ke loli iki nā helu i luna, i luna a i lalo, ua nānā mākou i nā kikoʻī ma Vodi.su i nā ʻōlelo o ka hōʻaiʻē ma kekahi mau panakō. No laila, hiki i nā penikala a i ʻole nā ​​​​mea kūʻai aku o kahi panakō ke loaʻa i kahi hōʻaiʻē ʻaʻole ma 13,5%, akā 0,5-1 pakeneka haʻahaʻa inā mālama lākou i nā waihona ma aneʻi a loaʻa paha kahi uku ma kahi kāleka panakō.

ʻO ka nui o ka loaʻa kālā mau, ka ʻike holoʻokoʻa, ka waiwai paʻa, ka noho ʻana o nā mea hōʻoia, a pēlā aku. ʻO ka koho maikaʻi loa ʻo ke noi ʻana i kahi hōʻaiʻē ma kahi panakō nui, ma hope o ka hoʻokō ʻana i nā kūlana āpau, ʻo ka mea nui loa ka hana ʻana i ka uku mua o 10-15 pakeneka, akā inā ʻoe e hana i 30 a i ʻole 50 pakeneka, a laila e lilo kēia. kahi hoʻohui nui a hiki iā ʻoe ke hilinaʻi i nā kūlana ʻoluʻolu loa.

Aia kekahi papahana hōʻaiʻē kaʻa mokuʻāina ma nā ʻōlelo ʻoi aku ka maikaʻi. Wahi a ia, hiki iā ʻoe ke:

• kūʻai i kahi kaʻa i hui ʻia ma ka home;
• manawa hōʻaiʻē a hiki i ʻekolu makahiki;
• uku mua - mai 15 pakeneka;
• mai ka 8 a hiki i ka 10 pakeneka;
• ka nui o ka hōʻaiʻē - ʻaʻole ʻoi aku ma mua o 750 tausani.

Hoʻokomo kekahi mau mea hana kaʻa i nā ʻaelike pili me nā panakō a hāʻawi pū i kā lākou papahana ponoʻī. Pili kēia hāʻawi i nā kaʻa Skoda, Volkswagen, Seat, Opel, Audi, Chevrolet. Ua like nā kūlana, me ka ʻokoʻa wale nō e hiki i ka manawa hōʻaiʻē a hiki i ʻelima mau makahiki.

ʻO ke kumu o kēia papahana, loaʻa iā ʻoe kahi hōʻaiʻē ma ka 13-15 pakeneka maʻamau, akā uhi ka mokuʻāina i ka 3-5 pakeneka a pono ʻoe e uku i ka 8-10 pakeneka. Ua hoʻomaka kēia papahana i ka makahiki 2012.

I ka makahiki 2014, ua hoʻololi ʻia kekahi mau hoʻololi: ʻo ka uku hoʻoiho ma kahi o 30 pakeneka, akā hiki ke hāʻawi ʻia kahi hōʻaiʻē me nā palapala ʻelua wale nō. ʻAʻole i hiki i nā panakō a pau ke hoʻoholo i ke koho, ʻo ia hoʻi, ua kau ʻia kekahi mau koi no nā mea hōʻaiʻē:

• moʻolelo hōʻaiʻē maikaʻi;
• loaa ka loaa mau.

ʻAʻole hāʻawi ʻia kēia ʻano hōʻaiʻē kaʻa i nā wahine i loaʻa nā keiki ma lalo o ʻeono mahina.

Mai nā mea a pau i luna nei, hiki ke huki ʻia nā hopena:

• ma Rusia, ʻaʻole maikaʻi loa ka lawe ʻana i kahi hōʻaiʻē kaʻa;
• ke ho'āʻo nei ka moku'āina e hoʻokiʻekiʻe i ka hanohano o nā mea hana hale ma o ka hāʻawi ʻana i nā kūlana maikaʻi loa no kā lākou huahana;
• pono ʻoe e hoʻokokoke pono i ke koho o kahi panakō, heluhelu pono i ka ʻaelike a ʻaʻole ʻae i nā kūlana paʻakikī.

Ke hoʻouka nei…