-CPC "inhlokodolobha umndeni": ukubuyekezwa. -CPC "inhlokodolobha umndeni": egatsheni eMoscow

Uma kukhona imali mahhala, noma kukhona sipho ezikhangayo ukwenziwa imali yekwentiwa kanye utshalomali ongatheni, akudingekile ukucabanga eside. Ngokushesha ukutshala imali yakho, futhi uyojabula. Okungenani, yilokho besho ukukhangiswa izinhlangano, CCP "inhlokodolobha umndeni" ezinjalo-non-banking. Kodwa ingabe konke, ngempela? Kuzobakhuthaza okuxoxwe ngazo kulesi sihloko.

iphrofayela Inkampani

Le nkampani "inhlokodolobha umndeni" - iyinhlangano ngokulinganiswa ayemncane, okuholela imisebenzi yayo kusukela ngo-February 15, 2011. It ngokukhethekile imali yokwakha ahlukahlukene inzuzo, uboleka futhi babasize ngezimali kumalungu wokubambisana yabo.

Ngokolwazi wokulungiselela, phakathi abalandeli yalesi nobungane abantu abaningi futhi izinkampani ezingaphezu kuka-30 ahlukene. Ngokwesibonelo, ezinye zazo zingabantu amabhizinisi ezinkulu ezifana imboni "Breath Okwesibili", "Medvezhiegorsk Dairy Plant", inkampani yezolimo "Tux" nabanye.

Okwamanje, i-credit umthengi izakhamuzi wokubambisana "inhlokodolobha umndeni" inamagatsha ezingaphezu kuka-50 etholakala kulo lonke elaseRussia.

Siyini leso simiso ukusebenza le co-op?

Le nkampani "inhlokodolobha umndeni" isebenza ngale ndlela: wokuqala kukhona ukubandakanywa bamasheya nesithakazelo, abenza ezinye umnikelo yezimali nangethemba isithakazelo okwengeziwe enqwabelene; ngezithukuthuku imali kwakhiwa isisekelo, uyasisiza amalungu wokubambisana ukuthola imali-mboleko yendlu ukuhlangabezana nezidingo siqu.

Credit Umthengi ngokuBambisana "inhlokodolobha umndeni" alinikezi ukubolekisa kubantu abangewona amalungu kwenhlangano. Ngakho-ke, ukuze bathole lo muntu obolekayo oyifunayo loan wayedinga ekuqaleni yilungu le co-op.

Lapho imali iya bamasheya wokubambisana?

Ngokusho abasebenzi lenhlangano ngokwayo, iningi imali iya ukuthuthukiswa eside komkhakha ezifuywayo yezolimo. Lokhu kungenxa yokuthi iningi amalungu wokubambisana kukhona abasebenzi futhi abanikazi amabhizinisi Agro-ezimbonini kanye nezinhlangano ubukhulu ezihlukahlukene kakhulu.

Ngaphezu kwalokho, inyunyana credit has a sokusakaza elikhulu, okuyinto uthengisa izimpahla kanye nemikhiqizo izinkampani efanayo wezolimo, okuyizinto nokulingana bamasheya 'we Umkhaya. " Ngaphezu kwalokho, ohlakeni lwale nhlangano is fully ilawula lonke umjikelezo ukukhiqiza. Inkampani ungumnikazi amafa alandelayo:

• ezinye amapulazi abo;
• ukucutshungulwa labasemkhatsini nalabakhulu;
• izitolo zokuthenga ukudla.

Futhi, inhlangano iye yabhekana abangochwepheshe emkhakheni Logistics, zamanani, credit, imali nokunye. D.

Uba kanjani ilunga le co-op?

Iba masheya ukujoyina credit umthengi wokubambisana "inhlokodolobha umndeni" Wonke umuntu can. Ukuze wenze lokhu, landela lezi zinyathelo:

• ukuza kunoma yiliphi ihhovisi eliseduzane inkampani nge passport;
• ukwenza isiqalo lemali (Imali ubulungu enhlanganweni), ngenani $ 100;
• isivumelwano nokubambisana;
• ukhokhe isamba esengeziwe in the uhla ruble 500 (lokhu kwenziwa emva ukusayinwa kwesivumelwano nokubambisana).

Ngaphezu kwalokho, wonke amalungu inhlangano "inhlokodolobha umndeni" akhokhe imali ubulungu yonyaka ngaphakathi ruble 300. Lokhu kumele kwenziwe ngaphambi lokuqala ngoFebhuwari wonyaka ozayo.

"Ngoba Motherland!" - enzuzweni Uhlelo wokubambisana

Okwamanje, le co-op credit usebenza izinhlelo eziningana, enye yazo inzuzo. It has an igama okuqala eNhlangano yokushisekela izwe "Ngoba Motherland!" Futhi kuhlanganisa nemingcele ezilandelayo:

• inkokhelo yokuqala ruble 500;
• wenze inkokhelo yanyanga zonke ubuyise yisiphi isamba (ruble hhayi ngaphansi kuka-500);
• Isilinganiso senzalo ukuba 28,9% ngonyaka;
• loan eside izinyanga 42;
• nyangazonke isithakazelo inkokhelo, noma phezu kokuphela isivumelwano obolekisayo.

Uhlelo ngenzuzo "Qasha"

-CPC "inhlokodolobha umndeni" linikeza kubanikazi bamasheya bayo nezinye Uhlelo ngenzuzo "Qasha." Kuhilela imali - ruble 500, inani lenzalo - 18% ngonyaka futhi inkokhelo yanyanga zonke kwezinhloso zenzuzo. Kulokhu, kokuthola isithakazelo kungenzeka ngokudlulisela ukuba akhawunti yakho yasebhange wokubambisana noma Ukukhishwa amanani edingekayo yemali ngokusebenzisa cashier kwenhlangano. Kuba semtsetfweni nesivumelwano sokubolekwa kungenzeka phakathi kwezinyanga ezingu-6 no-24.

Uhlelo wokubambisana "Income"

Futhi ekugcineni, uhlelo lwesithathu abanikazi bamasheya, okuyinto olunikezwa CCP "inhlokodolobha umndeni" iyona "Income". Iphinde izenzo kuphela emva kusungulwa enamasheya lokukhokhela isitolimende sokuqala (ruble 500), eqala inani lenzalo ngaphakathi 18-20% ngonyaka, loan eside kusukela ngo-6 kuya ku-12 izinyanga futhi ikhono uthole inzalo kokuphela kwenkontileka.

Ixashwa hlelo "Millionaire ngoba ruble 500 ngenyanga"

Ngaphezu imali, isenzo co-op nezinhlelo zokonga. Ngokwesibonelo, "Millionaire ngoba ruble 500." Njengoba dlule ezintathu, inikeza ukwethulwa iphuma okokuqala, kanye umthamo wemvula eyengeziwe nyangazonke ngaphakathi ruble 500-1000. Izinga lenzalo yemali mboleko ku uhlelo okunjalo kuyoba 15% ngonyaka. Kuhilela ukubhekana nyangazonke imali isithakazelo futhi isikhathi esingangezinyanga 262. Nasi "umkhiqizo" futhi linikeza masheya bayo le CCP "inhlokodolobha umndeni". Izibuyekezo ngakho, ufunda ngezansi.

Ngokwesibonelo, bonke shareholder ngenyanga 262 etshaliwe ruble 500. Eminyakeni yonke inkathi eside inkontileka, wanikeza mayelana 131 000 ruble, ngakho-ke, zanqwabelana ngenxa ruble 1.008.930.

I "Millionaire ngoba ruble 1000 ngenyanga"

-CPC bamasheya "inhlokodolobha umndeni" bangahlanganyela uhlelo okunye. Ukuze wenze lokhu, ngaphezu isifiso ukwenza inkokhelo kuqala inani ruble 1,000, bese qiniseka ukwenza njalo ngenyanga ngo 1000-10 000. Ukuba semthethweni yesivumelwano izinyanga 229, futhi inani lenzalo - 13% ngonyaka. Inzalo ibalwa njalo ngosuku iphrojekthi ekupheleni ethemini yesivumelwano.

Ngokwesibonelo, izinyanga 229 olidlulisele amalungu wokubambisana 229 000 (1,000 ngenyanga), ngaleyo ndlela okuholela engenayo ruble 1.007.054.

Uhlelo Ixashwa "Millionaire"

-CPC inikeza "inhlokodolobha umndeni" futhi olunye uhlelo lokonga kusuka uchungechunge oluthi "Millionaire". Usayizi yokukhokha phansi kuba 10 000 kuphela, kanye negalelo ayimpoqo eyenziwe enamasheya inyanga - ruble 10 000. Izinga lenzalo yemali mboleko kulolu hlelo - 11% ngonyaka. Nokho, lokho akusho unikeze ofeleba senyanga, kodwa kusikisela ekunqanyulweni ekuqaleni yesivumelwano. Ukuhlola - izinyanga 73.

Ngokwesibonelo, uma nyangazonke ukudluliswa inhlangano ruble 10 000 izinyanga 73 ubukhulu imali yakho ngeke azisizi ruble 1.042.193.

Uhlelo ingane yakho - "Izingane inhlokodolobha"

Lolu hlelo esiyingqayizivele, njengoba umnikazi wamasheya lapho iqhaza kubalulekile ukutshala kuqala ruble 500 kuphela, futhi ncamashi esilinganayo pay inyanga ngayinye, futhi 10,000 ukuthola ibhonasi kusukela wokubambisana. Kulokhu 15% ngonyaka lizokhokhiswa inani eligcwele, kuhlanganise ibhonasi. Ngakwelinye ihlangothi, Izimali zalesi simiso zivela futhi usebenza kuze kube yilapho ingane ize uneminyaka engu-18 ubudala. Lesi isibonelo zohlelo, nesebenzela e "inhlokodolobha umndeni" le CCP sika. Izibuyekezo kule nkampani uzobona kamuva.

"Happy Baby" futhi "Young Millionaire" - ukulondoloza izinhlelo

Uhlelo "Happy Child" futhi kuyenzeka 18 iminyaka engu-th wengane yakho, futhi kudinga inkokhelo phansi - ruble 1000, iminikelo nyangazonke ruble 1,000 kanye ibhonasi kusukela inkampani isamba esingama-ruble angu-10 000. Usayizi amazinga - 13% ngonyaka.

"Millionaire Young" kuhilela imali ekhokhwa ngenyanga nomnikelo lokuqala $ 10 000, kanye ibhonasi kusukela inkampani phezu ngqo esilinganayo. Usayizi amazinga - 11% ngonyaka.

Futhi, amalungu wokubambisana bazokwazi kalula ugcine up for izidingo ezilandelayo:

• ukuqeqeshwa (evumelekile abafundi ohlelweni, abafundi kanye nentsha);
• ukuthenga impahla nezimoto.

Esikhathini inhlangano umsebenzi nezinye izinhlelo imikhaya abasha abantu umhlalaphansi.

Credit ama cooperatives: Izibuyekezo

Ngaphambi uba ilungu omunye izinhlangano ezingekho ngaphansi yasebhange, kufanele kube ulihlola ngokucophelela Izibuyekezo ngakho. Ngokuvamile lokhu kungenxa kahle eyiphutha. Ngokwesibonelo, abantu abaningi bakholelwa ukufana kwamazwi wokubambisana esikweletu iphiramidi zezimali ngobuqotho. Kodwa lokhu akulona iqiniso.

Ngokuvamile, izinhlangano ezinjalo futhi ngalutho namabhange, kodwa isenzo ngaphakathi komthetho futhi ingangqubuzani umthetho. Zonke bamasheya iminikelo njalo yokuzithandela. Ngaphezu kwalokho, isibonelo, "inhlokodolobha umndeni" inzalo etholakala bachithe ngezidingo siqu, ukuthenga imikhiqizo okudayisa ngamaketanga wokubambisana. Ngesikhathi esifanayo, futhi lapha bayoba accumulative uhlelo izaphulelo kanye amabhonasi.

Vula ulwazi kanye cwaningo credit ama cooperatives (izibuyekezo). Ngokwesibonelo, igatsha eMoscow le co-op "inhlokodolobha umndeni" usho izinto eziphikisanayo kakhulu. Ngokwesibonelo, abanye bathi "wathenga" ukukhangisa kanye nezithembiso lula imali yokwenziwa, futhi ngenxa yalokho imali futhi abawubonanga othenjisiwe. Ngokwesibonelo, omunye umsebenzisi ubhala ukuthi etshaliwe iminyaka emithathu ruble 1000, wathola isaphulelo on ukuthengwa kwezimpahla e izitolo le co-op. Ekuqaleni, kuphela khona bese uyathenga. Kamuva, ikhwalithi yomkhiqizo ayisekho ngokwanele, futhi wanquma ukuthatha isabelo sakhe. Ngenxa yalokho, uye ibalwa okomnikelo base (ruble 1000) ezinye iminikelo ezingabazisayo ezengeziwe inani ruble 900. futhi wabuyela ezandleni 100 kuphela.

Okunye bamasheya batshelwa ukuthi behileleka iminyaka emine ohlelweni imikhaya abasha. Nakuba abangamaphesenti angu-ayitholanga, ngoba yakhelwe kweminyaka ingane. Nokho, aze aneliseke kuvezwa ukwethembakala abasebenzi kanye obala imibhalo design.

Kanti abanye bakholelwa ukuthi ukubhekisela inhlangano ngenxa izingozi ezithile: ukutshala manje abaningi, futhi sizokwazi ukuthola imali yakho kanye nenzalo? Kodwa lokho ekushoyo mayelana abasebenzi yenkampani siqu?

Leyo nkulumo mayelana nenkampani iqembu

Abantu abakhaliphile uthi, "Ungabi lazy ukufunda, ebhekisela CCP sika" inhlokodolobha umndeni ", lobuya abasebenzi." Yini abanitshela? Ngokwesibonelo, abanye ex-abasebenzi igatsha eMoscow le co-op bathi inkampani usebenzela inhlangano engokomthetho ilayisensi, Ngakho-ke izenzo ngaphakathi komthetho futhi wesabe ukutshala imali Akuwufaneli ke. Abanye ngokuphambene ligxile idumela ezingabazisayo inkampani kanye bathi akufanele lokudlela naye.

Kafushane, ezintathu wacabanga ngale ndaba futhi uhlole ngaphambi othembela imali yabo yokugcina inhlangano "inhlokodolobha umndeni". Credit umthengi wokubambisana - kuba njalo ingozi ethile.