Ekonomija i Corona virus pandemija

[Milosh76]

Šta će, za sada, morati da se plati na vreme:

• Računi za mobilni telefon
• Računi za kablovsku televiziju
• Računi za internet
• Građani koji imaju manje od 65 godina ili nisu penzioneri – moraju da plaćaju sve račune

Šta još (ne) plaćamo?

Ostale mesečne obaveze građani će različito morati da plaćaju u zavisnosti od kompanije.

Šta još može da se plati tri meseca kasnije:

• Računi za komunalije za penzionere, bez kamate, za februar, mart i april
• Redovne platiše neće izgubiti ni pravo na popust od pet, šest ili sedam odsto, kao i subvencije od deset do 30 odsto, ako na njih imaju pravo
• Reprogram dugova, bez kamate
• Neće biti prinudne naplate za sve neplatiše
• Računi za komunalije za sve građane u Nišu, odluka je preduzeća Objedinjene naplate

 

Porodica Jovanović do sada je mesečnu ratu za stambeni kredit plaćala 284,02 evra mesečno.

NBS (Narodna banka Srbije) donela je odluku po kojoj je plaćanje kredita moguće odgoditi na tri meseca, što su Jovanovići odlučili da iskoriste.

 

 

Nakon tri meseca, mesečna rata će im do kraja otplate biti 287,84 evra.

Razlika u 3,82 evra jeste kamata na pauzu od tri meseca.

Ovo je primer računice koji je Narodna banka Srbije (NBS) dala kako bi pokazala koliko će dužnike u Srbiji koštati takozvani moratorijum na zaduženja.

 

https://luftika.rs/krediti-placanje-racuna-srbija-vanredno-stanje/?fbclid=IwAR3tFdmSDl5b5iibrNmGGyNP_TQ6yEX4zs6D9rGVFMCLv0BynGuB99ju9fY

 

Edited March 23, 2020 by Milosh76

[Frank Pembleton]

Meni u glavi neki grafikon od pre par godina gde je neki matematičar pojašnjavao "grejs period" i dokazivao da si na kraju u vrlo malom minusu (procentualno) , malom ali minusu...
E sad da li su parametri isti nemam pojma...



... Shiit has hit the fan...

[nick1986]

jesi u minusu ako posle sve rate placas po dospecu. Moja ideja je ako sve prodje manje vise ok sa nasim poslovima da te 3 rate platimo odjednom i na taj nacin smanjimo glavnicu. U toj soluciji bh bio oko nule.

[goofs]

Zenstvenija polovina ima stambeni kredit, sracunala je da ako prihvati ovaj tromesecni moratorij na kraju kredita ce im isplatiti 320eur vise nego bez prihvatanja. Na 20 i kusur godina gredita ispadne 80din veca rata mesecno ili tako nesto. Pa nek svako gleda sta mu se vise isplati, ona ce prihvatiti zbog nesigurnosti plate u narednom periodu.

[Krošek]

suvisno za reci, ali...

 

u ovoj situaciji svi hoce svoje pare:  

Quote

Real Estate Billionaire Barrack Says Commercial Mortgages on Brink of Collapse

March 23, 2020, 12:03 AM GMT+1

• Warns of cascade of margin calls, foreclosures, bank failures
• White paper calls for banks, government to coordinate relief

WATCH: Barrack sees a risk of defaults "across the board" in the U.S. commercial-mortgage market.

Real estate billionaire Tom Barrack said the U.S. commercial-mortgage market is on the brink of collapse and predicted a “domino effect” of catastrophic economic consequences if banks and government don’t take prompt action to keep borrowers from defaulting.

Barrack, chairman and chief executive officer of Colony Capital Inc., warns in a white paper of a chain reaction of margin calls, mass foreclosures, evictions and, potentially, bank failures due to the coronavirus pandemic and consequent shutdown of much of the U.S. economy. The paper was posted late Sunday on online publishing platform Medium.

“Loan repayment demands are likely to escalate on a systemic level, triggering a domino effect of borrower defaults that will swiftly and severely impact the broad range of stakeholders in the entire real estate market, including property and home owners, landlords, developers, hotel operators and their respective tenants and employees,” he wrote.

Barrack said the impact could dwarf that of the Great Depression.

...

 

a niko nece da kupi dubiozne finansijske instrumente koji su sada masovno na rasprodaji

Quote

US subprime mortgage specialist seeks buyers for $1bn of assets

---

Fund manager AlphaCentric suffers heavy outflows on coronavirus fears

 

A $2.3bn mutual fund sought buyers for more than $1bn of US mortgage bonds on Sunday to cover investor withdrawals after booking heavy losses in the current market turmoil.

The AlphaCentric Income Opportunities fund lost more than 30 per cent of its value last week owing to its heavy exposure to home loans to borrowers with lower credit scores. The fund’s public filings show that at the end of 2019 — when it still had $4bn in assets — it had invested two-thirds of its portfolio in bonds backed by subprime mortgages. 

The mortgage market has come under broad pressure as some investors began to doubt homeowners’ ability to repay their loans. Two traders said that the fund’s portfolio managers sought offers from potential buyers on a list of more than $1bn of securities to raise cash.

The mutual fund, which carries the highest, five-star rating by influential investment research firm Morningstar, offers its investors the chance to withdraw their money on a daily basis. 

A statement from AlphaCentric’s management team said coronavirus had caused “severe market dislocations and liquidity issues” across the bond market and that they were “moving expeditiously to address the unprecedented market conditions”. 

The statement noted that it was not necessarily trying to sell all the bonds it put up for offer. However, because of the “lack of liquidity in the marketplace” it had put a larger pool of assets up for grabs to see which drew “the most favourable prices”. 

“We can most likely expect a continuation of price volatility across the bond market spectrum until the panic selling and market uncertainty subsides or government agencies intervene to support the broader fixed income market,” the statement continued.

The Federal Reserve accelerated its purchases of agency mortgaged-backed securities on Friday, after earlier interventions failed to calm the market.

While marketed on New York-based mutual fund specialist AlphaCentric’s platform, the Income Opportunities fund’s investment decisions are made by California-based Garrison Point. Tom Miner, the lead portfolio manager, previously worked for 20 years in the structured finance department of now-defunct investment bank Lehman Brothers.

...

 

Edited March 23, 2020 by Krošek

[ragasto]

UNWTO je održala konferenciju povodom Korone, i narednih dana će objavljivati preporuke. Do tada, možemo da uživamo u prikladnom heštegu #TravelTomorrow

 

https://www.unwto.org/unwto-convenes-global-tourism-crisis-committee

 

Spisak učesnika je na dnu strane.

[Tresko]

A pazi stručnjake, blokiraju rate na 3 meseca. Baš su se pretrgli. Ovde blokiraju na 12 ili 18 meseci.

I pri tome mandrili iz NBS nisu mislili da je možda pametnije da u toku moratorijuma na rate, ljudi ipak plaćaju samo deo koji se odnosi na kamatu, što je minimalni deo rate, tako da im posle moratorijuma ne porastu rate. To je bilo suviše komplikovano za smisliti.

[Ravanelli]

Jedno pitanje za ekipu

 

Da li biste se odrekli dela plate zarad svoje firme, dok traje ovaj lockdown? 

 

Ja sada malo trosim, a firma jadna ce da pati verovatno najmanje do kraja godine, a mozda i duze. Tako da ja bih se uskromnio i do 30% dok ovo ne prodje. 

Popricam i sa kolegama o tome, neki bi, neki misle da bi direktorima bilo dosta skratiti njihova primanja, a ne raji, neki ni da cuju

 

Kako vi stojite? 

[Krošek]

neki su pokupovali wc papir, a neki...

 

Quote

Gold bars in short supply due to coronavirus disruption

Retail investors buy up bars and coins to protect money during market rout

© Reuters
Traders have reported a growing global shortage of gold bars, as the coronavirus outbreak both disrupts supply and stokes demand, with one business comparing the frenzied buying of the yellow metal with the consumer rush for toilet roll. 

Retail investors in Europe and the US have bought up gold and silver bars and coins over the past two weeks in an effort to protect their money from the collapse in global stock prices and many currencies. 

But Europe’s largest gold refineries have struggled to keep up because of the region’s widening shutdown. Valcambi, Pamp and Argor-Heraeus are all based in the Swiss region of Ticino, near the border with Italy. Local authorities announced in recent days that production in the area was to be temporarily halted.

The gold price hit a seven-year high on March 9 of more than $1,700 a troy ounce as the deepening economic impact of the coronavirus outbreak sent investors scurrying for haven assets. But gold has since been swept up in the selling frenzy, with some investors needing to offload their holdings to free up cash, pushing the price down to about $1,530 on Monday afternoon.

Most of the selling has been in gold futures or exchange traded funds backed by the metal. During the same period, retail demand for physical gold bars has surged.

Retailers have already reported shortages and delays of up to 15 days on shipments. Markus Krall, chief executive of German precious metals retailer Degussa, said it was struggling to meet customer appetite for gold bars and coins and had to turn to the wholesale markets. Demand is running at up to five times the normal daily amount, he said. 

“We are being creative to find new sources but what is driving it all are the measures by authorities to stop coronavirus. This is so unpredictable,” added Mr Krall.

Rob Halliday-Stein, founder and managing director of Birmingham-based BullionbyPost, said the situation was unprecedented. “Basically we’re selling as soon as we get stock on location in secure vaults — but we’re restricted to what we can get hold of. It’s a bit like toilet roll.” 

While London’s gold vaults are full of gold bars, they are of the 400-ounce variety traded by large banks such as HSBC and JPMorgan, not the smaller bars that retail customers buy, which tend to be 1kg (35 ounces) or lighter. 

“I don’t think you will find a kilobar presently in Europe and the US for love nor money,” Ross Norman, a veteran gold trader, said. “It’s quite extraordinary.”

...

 

[*edited by mod]

Jedno pitanje za ekipu
 
Da li biste se odrekli dela plate zarad svoje firme, dok traje ovaj lockdown? 
 
Ja sada malo trosim, a firma jadna ce da pati verovatno najmanje do kraja godine, a mozda i duze. Tako da ja bih se uskromnio i do 30% dok ovo ne prodje. 
Popricam i sa kolegama o tome, neki bi, neki misle da bi direktorima bilo dosta skratiti njihova primanja, a ne raji, neki ni da cuju
 
Kako vi stojite? 

Pa zavisi dosta od firme i toga čime se firma bavi, zar ne? U slučaju da je start up ili neka slična a zdrava priča, sa ok odnosima do tad i nekom perspektivom uz primer menadžmenta, onda bih razmotrio. Da sam u turizmu ili ugostiteljstvu, vrlo verovatno da bih još i lakše prihvatio.

Sa druge strane nema preterano smisla da neko ko radi za fejsbuk, gugl ili volmart razmišlja o tome.

Sent from my H3213 using Tapatalk

[borris_]

Ovdje u francuskoj firme te moglu poslati na tehnički odmor gdje dobijas 84% plate. Država je obećala da će platiti ostatak. Moja žena će od četvrtka biti 4 dana u sedmici na tom tehničkom odmoru. Za sada je vlada rekla da će pokriti mart mjesec. Ne zna se šta će biti dalje. 

 

Ja bih prihvatio da mi se plata smanji (naravno da se svima u firmi smanji).

[Goranz]

28 minutes ago, *edited by mod said:

 

 

Pa zavisi dosta od firme i toga čime se firma bavi, zar ne? U slučaju da je start up ili neka slična a zdrava priča, sa ok odnosima do tad i nekom perspektivom uz primer menadžmenta, onda bih razmotrio. Da sam u turizmu ili ugostiteljstvu, vrlo verovatno da bih još i lakše prihvatio.

Sa druge strane nema preterano smisla da neko ko radi za fejsbuk, gugl ili volmart razmišlja o tome.

Sent from my H3213 using Tapatalk
 

 

 

U turizmu ili ugostiteljstvu bi ti tražili da prihvatiš 30% plate, i to ako su među jačim igračima. 

[borris_]

Poslije svih ovih mjera u čitavom svijetu mislim da će sve centralne banke tražiti upustva u topcuderskom brdu kako da održavaju mašine danonoćno a da se ne pokvare. 

 

Po svom ekonomskim parametrima bi trebali imati vas dobru inflaciju. Samo što ovo nisu normalna vremena pa mislim da trenutno niko ne zna šta će se desiti poslije.

 

E sada imam neku ušteđevinu i jedan još neplaćenih stan koji se iznajmljuje. Tom ušteđevinom bi mogao da ga isplatom ali do sada nije bilo potrebe. 

 

Ako bude inflacija, ode ušteđevina ali ode i kredit na taj stan.

 

Šta mislite šta da radim, još da čekam ili da isplatom taj stan?

[goofs]

1 hour ago, Ravanelli said:

Jedno pitanje za ekipu

 

Da li biste se odrekli dela plate zarad svoje firme, dok traje ovaj lockdown? 

 

Ja sada malo trosim, a firma jadna ce da pati verovatno najmanje do kraja godine, a mozda i duze. Tako da ja bih se uskromnio i do 30% dok ovo ne prodje. 

Popricam i sa kolegama o tome, neki bi, neki misle da bi direktorima bilo dosta skratiti njihova primanja, a ne raji, neki ni da cuju

 

Kako vi stojite? 

 

Ja bih pristao, pogotovo ako je dilema izmedju otpustanja xy radnika ili spustanja svima plate za xy%.

 

Nesto slicno se vec desilo u jednog IT firmi u Bgu, radnici su racunali da ce biti varijanta 2, a u stvari bila varijanta 1 koju ce verovato pratiti varijanta 2 kroz koji mesec.

[Goranz]

Svi su mislili da će biti smanjenje plate?

Edited March 24, 2020 by Goranz