Rekodha chikwereti cheimba chakakwira muThailand
Huwandu hweThai huri kukwereta zvakanyanya uye nekudaro vane zvikwereti zvakanyanya. Chikwereti chepamba chasvika parekodhi ye131.479 baht paimba imwe neimwe paavhareji, huwandu hwakanyanya mumakore masere apfuura, University of the Thai Chamber of Commerce (UTCC) yakazivisa. Vanhu veThai vanonyanya kushandisa mari yakakweretwa kutenga zvinhu zvinogara zvakadai semotokari nedzimba.
Thanavath Phonvichai, mutevedzeri wemutungamiri wekutsvakurudza kuUTCC, akati chikwereti cheimba chakasimuka 10,43 muzana kubva gore rapera. Zvikonzero zvikuru zveizvi matambudziko ehupfumi, mitengo yakakwira uye kukwira kwemitengo. Chimwe chikonzero chakakosha ndechekuti varimi vane mari shoma nekuti mitengo yezvinhu zvitatu zvakakosha zvekurima rabha, mafuta emichindwe nemupunga zvakadonha panguva imwe chete kekutanga mumakore makumi mashanu.
Zvinonetsa kuti avhareji yekubhadhara iri kuderera zvakanyanya: kubva pa8.114 baht pamwedzi gore rapfuura kusvika pa5.980 baht gore rino. Huwandu hwevakwereti vane matambudziko ekubhadhara, kune rumwe rutivi, hwakadonha kubva pa83,5 kusvika 78,6 muzana. Huwandu hwevanhu vanoshanda vakakwanisa kuchengetedza hwakakwira kubva pa39,4 kusvika pa62,6 muzana.
Iyo data yeUTCC yakavakirwa paongororo yevashandi 1.258 vanotambira isingasviki zviuru gumi nezvishanu zvebhaht pamwedzi. Zvikamu makumi mapfumbamwe nezvinomwe kubva muzana zvinoti zvine zvikwereti, zvikamu makumi manomwe nezvisere nemazana matanhatu kubva muzana zvichiti zvinonetsa kubhadhara zvikwereti.
Kunobva: Bangkok Post
Iyo yakataurwa muzana ye97% ine zvikwereti yakafanana neiyo muzana iyo Thai anoshanda mubazi rezvemari yandakataura kwandiri nguva yapfuura: 95%. Chimiro chakakwirira zvisingadaviriki asi chinoratidzika kuva chechokwadi.
Ongororo iyi inongobata vanhu vane mari isingasviki zviuru gumi nezvishanu zveBaht pamwedzi.
Ndinoda kuona kupatsanurwa kuita (mortgage) zvikwereti zvereal estate, zvekufambisa uye nezvimwe zvikwereti, mapoka matatu. Ini ndinowanzo kusaona chikwereti cheimba sechikwereti cheimba. Zvino zvinhu zvose zvatsvairwa murwi.
Kana chikwereti che131.000 baht kune mumwe munhu ane mari ye15 k pamwedzi chiripo chaizvo uye HASI chezvivakwa kana chimwe chibatiso chakasimba, saka uri kutaura nezve kukweretesa zvakanyanya uyezve sebhangi unofanirwa kugara pamablister. kana munhu asingakwanisi kubhadhara.
Chekupedzisira, ndinoshamisika kana ongororo yevanhu 1.258 muhuwandu hwemamiriyoni makumi matanhatu nemasere inomiririra. Zvichida muverengi ane nyanzvi anogona kupindura izvozvo?
Munyika ine kugovewa kwemari kwakatsveyama, zvine njodzi kutsamira paavhareji chete. Zvinogona kuratidzwa zviri nani kuti 50% muganho uri papi kana - muhuwandu hwehuwandu - yepakati.
Vanhu vane mari yakawanda vanowanzova nezvikwereti zvakakura. Izvi zvingaite sezvisinganzwisisike nekuti sevanobuda kunze tinoona avhareji uye epasi-avhareji Thais akatitenderedza nemari shoma (pazasi peavhareji inoratidzwa naTino) uye zvikwereti zvakakura. Nekudaro, zvikwereti zvakanyanya zvinosanganisira zvikwereti zvinotorwa kutenga mota, imba uye / kana ivhu. MuNetherlands isu hatishamisiwo nemunhu anowana 40.000 euros pagore uye ane motokari yepakati yepakati uyewo chikwereti che300.000 euros.
Rega ndiite mamwe mazwi matatu pane ino post:
1. Ndine chokwadi chekuti zvikwereti izvo Thais anowana kumhuri, shamwari nevanokwereta-shark (kazhinji inowanikwa pakutenga kudiki, mari yechikoro uye zvinosuruvarisa zvakare yekubhejera) hazvina kuiswa muhuwandu. Mushure mezvose, vaThai havakuudze izvozvo. Izvo zvinogona kunge zvisiri zvikwereti zvakakura, asi ini ndine fungidziro yekuti vazhinji veThais vane zvikwereti zvakadaro. Nevaduku vazhinji vanoitawo umwe mukuru;
2. Zvinotyisa kuti nhamba yevanhu vane matambudziko ekubhadhara yakanyanya. Izvi zvinenge zvisiri zvekugadzira. Vamwe Thais vane network yakanaka munyika yebhangi vanodzosera zvishoma kana kusabhadhara uye izvo zvinogamuchirwa nebhangi: kusarura. Njodzi ndeyebhangi, asi kukosha kwemotokari kana imba kunopesana nayo. Asi bhanga haringagoni kupindira kana mukuru wemauto akatadza kubhadhara mari yake yepamwedzi.
3. Sezvandinogona kutonga, mabhangi akatora mutsara wakaoma mumakore achangopfuura kune vanhu avo, sekutaura, vanoita mhirizhonga yezvinhu uye nokudaro vanorasikirwa nekuvimbika kwavo. Zvisinei, zvingava nani kusimbisa mamiriro ekubhadhara mari. Ndiko - ndinofunga - danho rinotevera.
Iyo arithmetic zvinoreva ingori imwe yematanho anoshandiswa kuratidza mihoro nezvikwereti.
Inonyanya kushanda kune zvakaringana kunyange kugovera.
Iyo yepakati uye modhi yakanyatsokodzera kugovera kwakatsveyama, sezvo ivo vasinganyatso verengera pesvedzero yeavo vane zvikwereti zvakakura zvakanyanya uye vanhu vasina zvikwereti.
Mari yeThailand nekugovewa kwehupfumi zvanyanya kutsveyamiswa, pakuti vapfumi nevapfumi zvikuru vanosundidzira arithmetic kureva kumusoro, iyo modhi (iyo yakawanda inowanzoitika) uye yepakati (iyo inoparadzanisa hafu yepamusoro kubva pahafu yepasi).
Chero ani anotarisa mari uye zvikwereti kubva pamagariro ekuona haazonyanya kushandisa arithmetic average.
Kuenzanisira: kunyangwe tisingasanganisire vana, mhuri dzechiThai dzine vanhu vakuru vaviri vangazviona vachifara nemari ye2 x 250000 baht, uye vasingafari nechikwereti chinoenderana...
Asi Tino, avhareji yenhamba yakafanana nekutaura pamusoro pehuwandu—chinhu chaunoramba kazhinji.
Iwe uri kutarisa upofu paavhareji nhamba.
Iyo 32% yekuchengetedza, semuenzaniso, ndeye chikamu chikuru chakachengetwa nenhamba shoma yevanhu vakapfuma kwazvo.
Huwandu hukuru hwevanhu veThai havazove nehupfumi, kana hupfumi husina kunaka.
Idzo nhamba dziri mumanongedzo aunopa (ini handisi kuzochera mazviri) pamwe hazvipokane, iwe unongoda kuziva zvavanomiririra.
Dambudziko rakaoma zvikuru kufungidzira nokuti ruzivo runowanikwa pachena haruna kuvimbika zvakanyanya (kuverenga nesayenzi maererano ne "state of the art"), zvidimbu uye hazvienderani.
Kugumisa kuti hazvina kunaka kana zvakanaka, kunetseka kana kusimbisa, zvine njodzi kana kuchengeteka chinhu chiri pachena.
Kana paine kuenzana kwakakwana kuenderana nechikwereti chakavanzika (uye kana iyo capital yakapararira zvakaringana pakati pevakwereta uye saka kwete kungoisa pfungwa pakati pevakwereta), ipapo pane yakakwana solvency muhurongwa uye hapana kusaenzana. Zvadaro mufananidzo wacho hausi usina kunaka.
Zvirinani, pane zvakakomba zviratidzo zvekuti "kugovera" kweThailand hakuna kunaka. Saka hazvisi izvo zvakanaka mushure mezvose?
Pamusoro pezvo, pawongororo yepasi rose yechikwereti chenyika, chikwereti ichocho chinofanira kuonekwa pamwe chete nerehurumende dzenyika iyoyo. Sekuziva kwangu, "kushomeka kwekushandisa" mutemo unogara uripo muhurumende dzese dzeThai, dzazvino uye dzakapfuura.
Nehurongwa uhu hunoramba huchienderera mberi hwehurumende (kusanganisira mari yakawanda yemapurojekiti asingagadziri hupfumi hwakawedzerwa, semuenzaniso ngarava dzepasi pemvura dzeChinese kana kupa rubatsiro rwekuita hupfumi hwekurasikirwa, kunyanya muchikamu chekurima), mumaonero angu hurumende yeThai iri munzira kuenda. kugadzira matambudziko, pachinzvimbo chekuagadzirisa. Hazvina kudaro zvakanaka here?
Hazviratidziki kwandiri kuti unofanira kuverenga chikamu chekurima chinorasikirwa pasi pekuita basa rehupfumi.
Kana hurumende yeThai isingatsigire chikamu chekurima, chii chichaitika?
Ipapo vanhu vanofa nenzara ipapo, kana kuti vanotama vakawanda vachienda kumaguta makuru, vachitsvaka basa, iro risipo.
Hameno kuti mhedzisiro yacho ndeipi.
Pamwe maghetto akakura, ane mhosva huru.
Uye pamwe mapurisa nemauto ekuuraya mapoka ekuchengetedza maghetto ari pasi pekutonga.
Handifungi kuti nyika ichabatsirikana nazvo.
Mufananidzo weramangwana wakatsanangurwa unogoneka, asi dzimwe nzira dzinogoneka uye dzinogoneka.
Nekudaro, dambudziko nderekuti mutemo muThailand (nehurumende dzinotevera) hautarisiri kukurumidza shanduko muchikamu chekurima (otomatiki, makwikwi epasirese). Hapana kana hurongwa hwekudzoreredza hunhu kumaruwa kubatsira vanhu vanoshanda muchikamu chezvekurima kuwana rimwe basa muindasitiri kana sevhisi. Hapana shanduko yevhu, nekuda kwemutemo wenhaka yeThai, nzvimbo dziri kuramba dzakakamurwa, shanduko yevhu inoitwa zvakanyanya kuburikidza nekutadza kwezvikwereti zvine ivhu sechibatiso.
Kusatevedzera mutemo zvakare isarudzo yemutemo.
Kupa rubatsiro kuburikidza, semuenzaniso, kutenga mupunga nemitengo isingaenderane nemusika (hurumende dzakapfuura) kana yekuisa parutivi (hurumende yazvino) kunosvika pakushandisa mari yevateresi "kuvaka imba yerufu".
Imwe nzira ndeyekushandisa mari yemutero se "birth premium" yezvirongwa zvitsva zvehupfumi zvinopa tarisiro yekukura uye kuwedzera kukosha.
Ndeipi mutemo wakanakira vanhu veThai? Wakatarisana nekutendeuka kana kuramba uchitevera nzira dzakatsikwa zvakanaka? Nokusarudza iyo yekupedzisira, iyo yakaipa mamiriro ayo "ruud" sketches anouya pakuonekwa. Nzira inoenda kune iyo yakatambanudzwa zvishoma munguva nemari yemutero. Mari yakashandiswa pane izvi zvechokwadi haichawanikwi yekushandurwazve. Kana mari yezvikepe zvepasi peChinese…
Munyika yakapfuma (kazhinji yakapfuma, nokuti vanogona kukwira zvikwereti zvakakura) pane kazhinji rubatsiro rwemagariro evanhu.
Chimwe chinhu icho rubatsiro pakurima hakuna kunyanya kusiyana, kunze kwekuti zvakare chinoita kuti vanhu vagare vakabatikana.
Uyezve, Thailand, kufanana nedzimwe nyika, yakatarisana nedambudziko rekuti vashoma uye vashoma vashandi vanodiwa nekuda kwe automation.
Icho chokwadi chekuti otomatiki, sekureva kwehurumende, inogadzirawo mabasa matsva emhando yepamusoro, hunyengeri hwakanyanya.
Inogona kugadzira mabasa mashoma emhando yepamusoro, asi kuvashandi zana vanozoshaya mabasa, panogona kuve nemabasa gumi matsva.
Pamwe kwete.
Hurongwa hwehupfumi hwazvino hauna mhinduro yekushaikwa kwemabasa uku kuri kukura, saizvozvowo Thailand.
Nyika yese ichafanirwa kufunga nezvemitemo yemutambo wekuwana mari uye kubudirira, kudzivirira 99% yehuwandu hwepasirese kubva pakunzi haina basa.