Awuyi kuhlawula ngokusemthethweni iimali-mboleko: iingcebiso ezimbalwa zabantu ababoleki

Namhlanje, phantse wonke umntu amaphupha obomi obuhle kunye nokuchuma, okukuvumela ukuba usebenzise iimpahla zanamhlanje zempucuko. Abantu abaninzi bafuna ukufumana imoto enokuzithengisa, indawo epholileyo kunye nebala, i-dacha, i-yacht njalonjalo. Ngexesha elifanayo, ngokuqhelekileyo umntu akayiva into ekhethekileyo yezinto ezinokuziqhayisa-ufuna nje ukuba enze umona phakathi kwabahlobo kunye nezihlobo. Kukho uluhlu lwabantu abathi, ngenxa yokubonakalisa kwabanye "ukupholisa", ukulungele ukuya ezintweni ezininzi, kuquka ukunyuka kwinqanaba letyala. Ngelishwa, xa ukhetha imali mboleko yomboleki, umbolekayo akahlali ehlalutya ngokufanelekileyo izixhobo zabo zemali. Ngenxa yoko, uyayeka ukwenza imali ngexesha ukuze abuyisele ityala, ngenxa yoko ibhanki ithatha kuyo yonke impahla efunyenwe ngumsebenzi ogqithiseleyo.

Ngokuqinisekileyo le meko iyayazi ezininzi. Nangona kunjalo, kukho izizathu ezininzi ezenza umntu angene ebukhosini. Umzekelo, umntu uthathe isigqibo sokuba aqalise ishishini lakhe, akanakho i-capital capital, akukho mntu unokuboleka imali eninzi kuye ngaphandle kwebhanki, ukwenzela ukuba asayine isivumelwano somboleko, athi nge-VTB24 okanye kwi-AkBars, yindlela kuphela . Abantu abaninzi bafuna ukucombulula ingxaki yezindlu ngokuboleka imali. Nangona kunjalo, ngaphambi kokungena kwetyala, ngokwenene uyawaxabisa amandla akho emali.

Kodwa wanquma ukuboleka imali kwiziko lebhanki. Kuvunyiwe, kwaye kwiinyanga zokuqala wahlawula zonke iintlawulo ngexesha kunye nangethuba. Kodwa ke wagxothwa emsebenzini. Kwaye ngoku awaziyo ukuxazulula iingxaki zemali, kuba zilahlekelwe ngumthombo wemivuzo engunaphakade. Okokuqala, ityala likhumbuza abasebenzi bebhanki, ngoko ke abaqokeleli baxhunyiwe, abaqala ukucaphukisa iifowuni ezingapheliyo kunye nosongelo.

Uqhutyelwe ekhoneni, kwaye ngoku kuphela ukuqonda ubunzima beemeko kuqala. Uqala ukucinga ngendlela ongayikhokhelwa ngayo iikhredithi ngokusemthethweni, nokuba ngaba kukho ithuba. Ewe, iyafumaneka. Okokuqala, kufuneka ukwazi kwaye uyakwazi ukukhusela amalungelo akho ngokuqhagamshelana nabasebenzi bee-arhente zokuqokelela. Ndikholelwe, bayazi ukuba bangayihlawulanga ngokusemthethweni imali, kodwa ngokuphindaphindiweyo ngandlela-thile bazama ukusongela umntu obolekayo, ngoko ukuba akazange acinge ukuba imali ayikwazi ukubuyiswa.

Ngoko, kukho iindlela ezininzi zokusombulula ubukhoboka. Cinga ngolu hlobo oluqhelekileyo kubo.

Lindela ukuphelelwa komyalelo wemimiselo

Unomdla kwindlela yokungahlawulisi ngemali ngokusemthethweni? Njengomgaqo jikelele, ixesha lokunciphisa iminyaka emithathu. Kule meko, ukuqala kokuphela kwayo kuya kuba lixesha ogqibeleni udibanisa nabasebenzi bebhanki kwimeko yokuhlawulwa kwemboleko. Ewe, ukufihla abasebenzi bebhanki okanye i-arhente yokuqokelela akuyona indlela echanekileyo yokusombulula ingxaki, kodwa ngamanye amaxesha, ngenxa yokufuna okungcono, uya kwenza okufanayo. Qaphela ukuba kuya kufuneka 'ulale ngokusezantsi' kwaye uphelise bonke ubudlelwane kunye nabahlobo, osebenza nabo, izalamane.

Ngelo xesha, asimele sikhohlwe ukuba abaqokeleli abavuthiweyo bayaphalaza ingqumbo yabo kumboleki, kodwa kubantu abasondele kuye. Ngokwemvelo, abayikufihla kubaqokeleli base-Antarctica, ngoko le ndlela ingathandabuzeki.

Zama ukufumana ukungqinelana nebhanki

Ngaba zikhona ezinye iindlela zokusombulula umba weendlela zokungahlawuli ngokusemthethweni izikriti? Ngokuqinisekileyo. Zama ukuxoxisana nebhanki ukuze ungene kwindawo yakho kwaye uvuselele izibango zakho zezimali. Kwaye kufuneka kwenziwe okokuqala ekuqaleni kwengxaki. Yazisa isikhungo semali-mboleko enokuhlangabezana nobunzima ngokuhlawula imali, kodwa ungenalo ukuhlawula ityala ngokupheleleyo: ubuncinane i-ruble 500 ngenyanga ofuna ukuyichitha kule njongo. Kubonakala ukuba ibhanki iya kuhlola iinjongo zakho, qwalasela umba wokuhlaziywa kwetyala kwaye awuyi kukugweba.

Nceda antikollektorov

Ngokuqinisekileyo, abaninzi baseRussia bathabatha imali yokubolekisa abathengi. Awuyi kuhlawula imali ngenxa yokuhlawulwa kwabo?

Ngokuqinisekileyo wonk 'ubani wayephazamiseke ngalo mbuzo. Apha unokuncoma uncedo lwenkampani echasayo. Njengomthetho, abaqeshwa babo banamalungu afanelekileyo kunye nabanengqiqo abanokwazi kakuhle zonke izinto ezifihlakeleyo kunye nemigangatho yokuboleka abantu ngabanye. Bayakwazi ukubonelela ngoncedo lwabantu abakhokhwa ngamatyala.

Ukwamukelwa komthetho kwi-bankruptcy yabantu

Ngokukhawuleza, iimali-mboleko azinakho ukuhlawulwa ngenxa yokuthotyelwa komthetho "Kwi-bankruptcy yabantu." Kule meko, sithetha ngeemeko xa, ngetyala lama-ruble angama-50,000, umboleki akenzi iintlawulo kwiinyanga ezintathu. Emva koko, umntu ubhengezwa enkundleni enkundleni, unikwa isicwangciso sokufaka isibonelelo seminyaka emihlanu yokuhlawula imali, kwaye ngokufanayo, isicwangciso sokuhlengahlengiswa siphuhliswa.

Indlela yokusombulula umcimbi wetyala e-Ukraine

Abaninzi banomdla kumbuzo wendlela yokungahlawulisi imali e-Ukraine ngokusemthethweni. Ukongeza kwezi ndlela, kukho enye, kodwa yingozi kakhulu kwaye ayilunganga. Ngamanye amaxesha abemi beli lizwe, kunye neRashiya kunye namanye amazwe, banokufaka isicelo enkundleni ukuba baqonde isivumelwano semali-mboleko njengokuba asivumelekanga kuba, xa befake isayinwe kwixwebhu, abazange baqonde ukubaluleka kwezenzo zabo. Njengobungqina banika isatifiketi sezokwelapha zesifo sengqondo. Nangona kunjalo, akunakwenzeka ukucebisa isisombululo esinjalo kwisingxaki, kuba sisecaleni lomthetho. Ukongeza kwiinkathazo ezininzi, le ndlela ayinakwenzeka ukuzisa nayiphi na iziphumo.

Ezinye iinkcukacha

Abemi baseRashiya bebenemali ebhanki ama-7 trillion ruble, kwiinyanga ezili-12 ezidlulileyo, iimali-mboleko ezingaphezu kwexesha ziye zanda kakhulu.