Adam 22 jasynan júmys isteudi bastasa, 35 jasyna deyin 13 jyl qarjy jinaqtaugha mýmkindigi bar eken.
13 jyldy 12 aigha kóbeytsek 156 ay qúyatynymyz shyghady.

13×12= 156

Demek, 156 ay boyy jalaqymyzdyng 10%-yn qúiyp otyramyz.

Endi, zeynetaqy qorynda eng keminde saqtaluy tiyis qarjy 3 million bolsa, osy qarjyny jinau ýshin ay sayyn qansha qarjy qúiyluy kerektigin eseptep kóreyik.

3 000 000 (jinal.qarjy) : 156 (ay) = 19 230t

Yaghni, siz ay sayyn 19 000 tenge qúiyp otyrghanda ghana osynsha qarjy jinay alasyz. Ol degenimiz, sizding ailyghynyz 22 jasynyzdan bastap 190-200 myng tenge boluy kerek.

Endigi mәsele!
Siz múnday ailyq alyp otyrghanda tek eng tómengi shekti qarjyny ghana jinaysyz.
Yaghni, osy 3 million sizding bolashaghynyzgha jinaghanynyz. Ony siz ala almaysyz.

Tek osy 3 millionnan asqan jinaq qarjynyz bolsa ghana alugha bolady.
Demek, siz 35 jasynyzgha deyin 4-5 million tenge jinaqtaqtap ýlgergen boluynyz kerek.

5 million : 156 ay = 32 000t

Sonda, siz 5 million jinauynyz ýshin, sizding 22 jasynyzdan bastap jalaqynyz ortasha 320 000 tenge bolsa ghana,
10 milliondyq pәter aluynyz ýshin bastapqy 20% jarnasyna (2million) jetetin qarjy jinaysyz.

Ózim 2005-shi jyldary әskery salada 30 000 ailyq alyp jýrdik. 2010-shy jyldary ailyqtary kóp bolsa 50-100 myngha jetken bolar.
Sonda....

Múnday qarjy jinau qanshalyqty mýmkin?

Men biletin ainalamdaghy adamdardyng ortasha jalaqysy 50-150 mynnyng tónireginde. Naqty mәlimet boyynsha 720 000 adamda múnday mýmkindik bar eken.

Búlar kimder?

Bizding biznesmenderding týsiniginde qarjylaryn jasyru ýshin ózderine kóp ailyq jazbaydy. Belgili bir bóligi múnayshylar men atom óndirisindegiler bolar. Qalghany jogharghy ailyq alatyn sheneunikter ghana degen kýdigim bar.

320 000 ailyq alyp otyrghan adamgha, qordaghy qarjysyna "qol salugha" sonshalyqty múqtajdyq joq dep oilaymyn. Al, 50-100 000 ailyqpen otyrghandargha arnalghan eshqanday mýmkindik kórip túrghan joqpyn.

Elimizding negizin qúraushy basym kópshiligi osy "ortadan tómen" jalaqy alatyndar ekenin eskersek, búl ózgeristi "túrghyn ýige asa múqtaj basym kópshilikke" bereri qanshalyqty ekenin ózderiniz topshylay berersizder.