"Credit Aibolit": Izibuyekezo ikhasimende

Ukuthatha imali esikweletini, une ukubanika. Akunandaba ukuthi ubani owayebaluleke umbolekisi - umngane noma ebhange. Kodwa lezo zinkinga ngezikhathi ezithile zezimali bemvelo yesikhashana kungavimbela ukubulawa abathembekile izibopho umboleki. Futhi manje endabeni yokukhokha lezikweletu ixhunyiwe hhayi kuphela kusevisi nokuvikeleka ebhange obolekisayo, kodwa futhi ukuze besithathu - abaqoqi. Futhi uma kuqala yithuba encane ukuphothula isivumelwano ezifana izikweletu kabusha, lona wamuva uzokwenza okungcono yemizamo yabo ukwenza ukuphila okweletayo babulawa.

Okufanele ukwenze uma isikweletu ayakhekanga kwelinye ibhange? Uma ezingaphezu kweyodwa? Engapheli okusongela izingcingo futhi izincwadi bafuna kubuye konke ngesikhathi esisodwa. Thanda inkemba Damocles kuthé unganikeli isikhathi esikweletini phezu kwekhanda lakho. Lapha-ke ukuza imbangela ochwepheshe ekulungele ukusiza akhokhe izikweleti.

"Credit Aibolit" - kuyini?

Zibizwa ngokuthi ama-izihloko of uhlobo olusha. Lezi zinkampani bazimisele ukusiza defaulters ukuze kuxazululwe lezikweletu Kuvezwe. Manje, zonke okweletayo unethuba ukusizakala ukudamba kwesikolodo -. Impumuzo «ezikweletini umthwalo" "Impendulo Credit Aibolit 'ngomsebenzi wabo omuhle, naphezu kokuhlala emakethe amasevisi anjalo. Ukuze uthathe okuhle kwalokhu okunikezwayo, umboleki kwanele ngesicelo yayo iwebhusayithi ukuhlengwa izikweletu zayo yasebhange futhi igama ebhange kanye nenani izikweletu.

Kanjani le ndlela

Njengoba umlamuleli, "Izibuyekezo Credit Aibolit ' Libuye omuhle. Ukuze ukuqoqa izikweletu kusukela ukufeza umbolekisi iqala ukutshala kule imali yebhizinisi. Kodwa imithi yabo sisuke abakwazi ukukhokha ku loan, kungakhathaliseki umsebenzi ayemkweleta ethwele ukulahlekelwa. Le ndlela kuyazuzisa zombili ngokuba ohlulekayo yithuba ukuba abuyisele izikweletu okhona, usehlane isikhathi eside engenalutho ayengakhokha ngalo, kanye nokubuya lemali imali yibhange yomuntu obolekisayo.

Evamile, inkampani uhlukanisa zonke ebolekwe abafundi ibe 3 izigaba, ngalinye elikwazi ovezwa iphethini ethize.

Isigaba 1: ukubolekisa umboleki sika kakade esiteji ukubambezeleka eside.

• Uma iklayenti has ukubolekisa esivelele ngaphezu konyaka, inkampani "Credit Aibolit" egameni ohlulekayo ngeke yibhange tinchubo, ibhange ngemali izikhathi 4-10 ngaphansi yentengo yasekuqaleni. Iklayenti ke ophindisela ahlengwe e izitolimende zezikweletu sekwephuzile ukuthi ikhokhelwa izinyanga eziningana, hhayi iminyaka.
• Uma lo muntu obolekayo has credits 2 noma ngaphezulu, zingahlanganiswa zibe munye, inkokhelo yanyanga zonke uzobe kushintshwe ubukhulu leso bekungekhe kube umthwalo ephaketheni deadbeat.
• Uma iklayenti ukulibala kancane enziwa, inkampani kuyoba nesandla refinancing nomlingani wakho ebhange. Imizamo ahlangene inkampani "Credit Aibolit" futhi omunye ukunciphisa bungatholakala umlingani amabhange senzalo ku loan, kuncishiswe inani yesikweletu, ukwandisa loan eside, kanye ukuhlehliswa yenkokhelo esilandelayo ngenyanga.

Isigaba 2: I-umboleki has ukubolekisa ezidlulileyo ngenxa, kanye nalabo kuyo ukuthi njalo okhokhela.

• Isixazululo efanele kulesi simo, ngokusho kongoti lenkampani, kuyoba inyunyana yabo bonke loans ibhange efanayo, futhi imigomo engcono kwikhasimende. Ukusetshenziswa izixazululo ezinjalo kuyazuzisa hhayi kuphela ngoba lo muntu obolekayo, abangakwazi ukudunga credit yakho idumela kanye izinkokhelo zenyanga aphansi. IBhange nawo usethubeni lokuhlomula kulolu - emuva abuyisele oyinhloko isithakazelo ukusetshenziswa kwaso. Kodwa ikakhulukazi kuyoba inzuzo ukuze amabhange ukwandisa portfolio ayo loan.

Isigaba 3: Obolekayo has credit, kodwa okwamanje akukho ubuhlongandlebe.

• Iklayenti njalo okhokhela on loans, kodwa e ngokuphazamisa zezimali. Inkampani kuzosiza refinancing izikweletu ebhange-umlingani, abazokwazi ukunikela izimo ezikahle - ukunciphisa inani lenzalo, elithi loan, futhi sandise isikhathi somusa ukuphuma kufushane isimo sezimali.

Ngokwezibalo, inkampani amaklayenti ngamunye has ukubolekisa eziningana e amabhange ezahlukene inani ruble 300-500. Kungenzeka ukuthi ukuphathwa kwengcindezi njalo kusukela izinkampani eziningana iqoqo, ngokuhamba kwesikhathi ikhasimende iyeke ukuxhumana nabo. Futhi lesi simo, sisuke kufanele bakulungele ukuxazulula isimo nge ebhange, okuyinto yena, kufanele futhi basuse.

Njengoba sachaza umqondisi marketing "UDkt Dolittle Credit": "Namuhla, abantu abangaba yizigidi ezingu 5 baseRussia abakwazi ukugcwalisa kwenziwa nezikweletu zezimali. Lokhu kuholela ukungezwani social, ukwandisa ukukhula zobugebengu ngokuvamile futhi ubiza ku umbuzo wona kanye umqondo wokuthandana obolekisayo. Kumele asuswe ezandleni abaqoqi kanye ukufeza isibopho sakhe ukugxila kusuka umbolekisi olulodwa, njengoba isimo iyaqala level off. " Ngokusho eyanikezwa Bank of eRussia, ngemva kokuphenywa ukuqaliswa imikhuba inani ukubambezeleka abantu kwehle kusuka 857,8 ruble 660,2 bhiliyoni.

izindleko amasevisi

On the ingxenye abanamacala abaye basebenzisa izinsizakalo "Credit Aibolit", ukubuyekezwa izindleko zihlukile. Intengo umsebenzi kule nhlangano ibalwa hhayi kuphela kusukela izici izikweletu (ezifana credit, ukubuyiswa kwemali isikhathi sakho kanye neminye imibandela yesivumelwano), kodwa futhi on umphumela izingxoxo yomuntu obolekisayo. Isigaba sokuqala iqala nge uphawu yokukhokha 5% of izindleko Imininingwane yemali ebolekwayo futhi iphela ngo-30%. Esimweni ngasinye, inani lokukhokha kuyoba ngabanye.

Kodwa kuthiwani uma okweletayo ayinakho izimali ukukhokha inani ongenhla 5.30%? Kuleso simo, inkampani inikeza izitolimende izinyanga 24. Iklayenti unikezwa ithuba ukukhetha okungcono kakhulu ngokwakho inkokhelo yanyanga zonke kanye umnqamulajuqu inkokhelo yayo egcwele.

Kungani ukufeza ngokwako akukwazi ukuxoxisana ebhange?

Ukufunda izibuyekezo "Credit Aibolit", singabona ukuthi inkampani ilungele basisize lokungalandeli payers abenza namuhla abakwazi ukubophezeleka izikweletu zalo. Le isixazululo asifanele amakhasimende abacabanga bamenanisele izikweletu zawo. Injongo eyinhloko "Credit Dr. Dolittle" - ukusiza umboleki ukunciphisa credit yayo izibopho ezingeni solvency yayo. Uma lo muntu obolekayo ku sikhalo sabo siqu Bank, yonke imizamo yayo ukusebenza izikweletu zakho zingancishiswa inkontileka ezikweletini ukwakha kabusha. Okwamanje, inkokhelo deadbeat alizange, ibhange siyaqhubeka ezicela izinhlawulo, izinhlawulo kanye nokuhlawuliswa. Ngakho ungalindeli ukuthi u ukunciphisa loan oyinhloko, uma siphendukela yasebhange njengendlela umuntu yangasese. "Credit Inkampani Izibuyekezo Aibolit ' Kuyinto enhle. Lena inhlangano engokomthetho ne nethuba lokuqhuba izifundo eziningana zalokhu amaklayenti inkinga.

Kunezikhathi lapho inkampani hhayi ongeza azosiza ohlulekayo. Kodwa ungakhathazeki: iklayenti akaphelelwa lutho ezindabeni zemali. Inkokhelo ochwepheshe "Credit Dr. Dolittle" zizokwenziwa kuphela uma kwenzeka ukuthi uyoqinisekisa ukuthi isixazululo omuhle ukuze le nkinga. Lapho akunakwenzeka ukufinyelela inhlangano ukuvumelana uzokwazisa ohlulekayo. kobufakazi Real mayelana nenkampani "Credit Aibolit" kubika ukuthi amabhange ayemkweleta ngokuvamile kunalokho madolonzima maqondana inkinga ka sokukhokhwa kwesikweletu, kanye nesithakazelo ekutholeni imali olungaphelele imali yabo emuva.

Yini ukubolekisa angaphansi isevisi

Ukutadisha LLC "Credit Aibolit" kobufakazi zabantu, ungabona ukuthi inkampani lucwaningo umsebenzi walo kuphela nabantu. Futhi kuphela labo ababoleka abenza ngokwethembeka credit izibopho zabo, kodwa ukuvela ezinkingeni ezinkulu zezimali awubavumelanga ukuqhubeka sokukhokha imali ebolekiwe ngesikhathi esasihleliwe. Empeleni, inkampani ithanda amakhasimende abe ngaphezu konyaka emva kwesikhathi. "360+" - I-defaulters enjalo definition elakhiwe.

Namuhla inhlangano libambisana amabhange 40, okuyinto afakiwe nase-izikhungo phezulu zezimali 100.

Kuyoze kube nini ukuthatha ukuxazulula inkinga

Ukuze kulungiswe udaba izikweletu kuzodinga kusuka emavikini 2-3 kuya ezinyangeni eziningana. isikhathi eside enjalo isikhathi ngenxa yokuthi akubona bonke amabhange bazimisele bathengisa isikweletu ohlulekayo "okudayisa." Inqubo yibhange kuyinto ngempela ebizayo ngoba ebhange ayemkweleta, ngakho-ke kulula ukudayisa izikweletu amaningi ngesikhathi esisodwa, okungukuthi "okwedlulele." Lo msebenzi futhi sisuke kunenzuzo - ngaye kungenzeka "ukubhala off" izikweletu zabo enezimo ezingcono.

Ukufunda emithonjeni ehlukene mayelana nenkampani "Credit Aibolit" ukubuyekezwa, zingabantu yangempela noma cha - wonke umuntu uyazinqumela.

Umsebenzi "Credit Dr. Dolittle" ezingeni zomthetho

umsebenzi yenkampani Kwenziwa ngokuqinile ngokuhambisana nomthetho (Ingxenye 1, Art. 382 and Art. 12 zoMthetho Federal № 353). Ukusebenzisa le ndlela, njengoba kuvalwe ubuhlongandlebe zezimali, ungagwema imiphumela yezomthetho, ngokungafani ucabanga ekuqhutshweni.

Ukubuyisela Umlando wokukhokha

Ngemva kwengxoxo lenkampani LLC "Credit Aibolit", ukubuyekezwa zazo azikhulumele, unga ukubuyisela credit nokuma. Okubaluleke kakhulu, uma ibhange ayemkweleta waya ahlangane ohlulekayo futhi ithengiswe loan, isinyathelo enkulu likhishiwe - esikweletini ucime. Isinyathelo esilandelayo ukuqala ukubuyisela umlando ikhredithi udinga ukuthatha imali-mboleko amancane ngesikhathi ukwenza izinkokhelo njalo ngoba. Kuphela ngosizo le ndlela, ungakwazi kabusha uthole entsha, ihlanzekile credit idumela.

Buza inkampani "Credit Aibolit" ukukhokha lesi sikwelede oluvelele

Ukuze uthole usizo enkampanini, udinga ukwenza kuphela izimo ezimbalwa:

• On the website esemthethweni isicelo selivu, lapho ucacise idatha edingekayo, kanye ukujwayelana usayizi ukonga ezingaba khona.
• Le nkampani yenza isikhalazo ebhange ngoba uhlengo NPLs at isaphulelo.
• Le nkampani ithi lo muntu obolekayo Kwenziwa ngemibandela ngaphansi okuyinto ukuthengwa izikweletu kanye lokuvala nokubonga.
• "Credit Aibolit" inikeza ikhasimende nenkontileka ukuze ibuyekezwe futhi isinqumo.

• Iklayenti wenza ukusayinwa inkontileka, futhi ngosuku olulandelayo zonke loans ivaliwe.
• Deadbeat bayikhokha ngokugcwele noma kancane izakhamuzi ngenxa yemisebenzi ababeyenzile.
• Le nkampani inikeza isitifiketi ohlulekayo yangaphambili ukuvala izikweletu zalo ezimbi.

Le nkampani "Credit Aibolit" bangempela Izibuyekezo mayelana yakhe umsebenzi namaklayenti sithunyelwe kukhasi eyinhloko kanjani namawebhusayithi wabo.

Ibalulekile imibono yesikholwa ezinye amabhange kanye nokuqoqwa ejensi

Njengoba kuphawuliwe Pavel Sigal, iphini likamengameli we inhlangano ibhizinisi "Ukusekela Russia", ngoba amabhange kanye MFIs, sikhokhwe scheme "hung" izikweletu kuzuzisa kakhulu. amaklayenti bevinjelwe amathuba okudingeka yibhekisise imigomo yesivumelwano, ikakhulukazi ukuba kudlule kanjani inqubo nokuqoqwa kwezikweletu.

Nazi ezinye izibuyekezo "Credit Aibolit":

• Elena Dokuchaev, umongameli we ukuqoqwa agency, "Sequoia Credit Ukuhlanganisa," Ngakolunye uhlangothi, ingabaza isidingo le sevisi. "Credit Aibolit" - onjani inkampani? Kweleti unqume ukuba zikhokhe izikweleti zakho, khona-ke kungani edonsela wesithathu? Isikweletu uzobe wathengwa nomthengisi "penny", futhi ngalesosikhathi sindisa in izitolimende by okweletayo. Lokhu kwenza ukuthi umuntu usole phakathi deadbeat futhi bakhe ayemkweleta-lomthengi. Isinqumo ukuthengisa isikweletu ayemkweleta kufanele kwenziwe, hhayi okweletayo. Elena Dokuchaev ebheka khona ukuthi luvela lokhu nokungahlanzeki ukukhwabanisa. Futhi, umbono walo, ukudayiswa kwezikweletu elinezinkathazo engavumelekile itholakala kuphela uma iklayenti uye wasebenza lezokuphepha ebhange bese esikweletini wayiswa nokuvulwa iqoqo ejensi. Futhi lapho abathelisi ngisho washada ukuzisiza lakhe uyalulama nesikweletu, umbolekisi kungase ukusidayisa. kwenkathi isikweletu kusukela ezinsukwini 700 kuya ku-900 Kwandiswa ngo-2015. Lokhu kungenxa Ukubambisana eduze amabhange ngeqoqo ejensi.

• Aleksandr Savinov, iphini likamengameli we-ejensi iqoqo, "i-Sentinel Credit Management", unethemba lokuthi uhlelo angeke awujabulele udumo ububanzi. It is kuyaqabukela esetshenziswa ithuluzi, ngoba ngempela esimeni esintekenteke ukuthenga ubakweleta. Inani labo ngeke kwanele ngisho ukulondoloza izindleko zokuphatha lenhlangano kuthengiselana. Alexander uthi kunzima kakhulu ukuthenga emuva eziningi kwezikweleti amabhange ahlukahlukene.
• Anna Blinov, inhloko izinhlawulo ngasekupheleni "Ekhaya Credit" Bank, saveza umbono kunalokho engakhi inkampani «Credit Aibolit". Nezinhlangano saloluhlobo yasebhange hhayi ubambisana futhi ayinaso isibopho esingokomthetho alikho phambi kwabo.
• I isikhungo sezezimali kuphela eliye basabela kahle futhi wekusasa ukuze sezinguquko ezizayo, kwaba "Summer Bank". Ngokuvamile, ukubambezeleka "360+" ungathengi ezibizayo 5% wezindleko. Usihlalo Webhodi Alexander Samohvalov wathi ukuthi bazimisele ukuba babambisane ezimweni ezinjalo.

Ukufunda Inkampani "Credit Aibolit" izibuyekezo zamakhasimende, kuyilapho Iqhinga e kungekho saziso. Kodwa lena kuphela theory. Ekusebenteni, kungcono ukungavumeli ukuvela izikweletu.