"Imali yakho": libuyekeza izimo umboleki. microloans

ERussia, lapho kuqaliswa inkinga, ama-microloans kanye ne-microcredit basakazeka kabanzi. Njalo ngonyaka izinhlangano eziningi ezifanayo zivela ezweni. Udinga ukwazi ukuthi yimiphi imibono amakhasimende abanayo mayelana nabo. Phela, amafemu angathandeki futhi angenangqondo agcwele. Uthola "imali" yakho? Ingabe le nhlangano ihlinzeka ngamasevisi wekhwalithi futhi angakhohlisi? Izingqinamba zezezimali ngokujwayelekile zidinga ukunakwa okuhlukile futhi okukhulu. Ngezinye izikhathi, ukuthatha isikweletu semali encane, ungabangela ukukhathazeka. Ngakho kufanelekile ukusebenzisa "imali yakho" ngokujwayelekile? Ingabe kufanelekile ukunakwa? Noma ingabe yinhlangano ejwayelekile kunazo zonke zezinkampani zemali, okuvela kuyo okufisa ukuhlala kude? Mayelana nakho konke lokhu okunye.

Kuyini

Ukuqala: yini inhlangano yethu yamanje eyenzayo? Ingabe kufanele ngempela ukunakwa ekugxilweni kwayo? Uma udinga isikweletu esisheshayo noma isikweletu, yebo yebo. "Imali yakho" yinhlangano yezimali ezincane. Ihlinzeka, ngokusho kwabadali, ukubolekwa kwemali mboleko nezinzuzo. Futhi ngokushesha. Futhi ngaphandle kwekhasi elibomvu lephepha elibomvu.

Ngokuyinhloko, imisebenzi ye-corporation "iyabonakala". Umncintiswano eRussia ukhulu ngempela. Ngemuva kwalokho, njengoba sekushiwo kakade, izinhlangano zezinkampani zemali zithola ukusakazwa okukhulu okwamanje. Kunoma yikuphi, ukuqondiswa kwemisebenzi yabo "Ukubuyekezwa kwemali yakho " kuyakha. Ayikho inkohliso noma "ugaxekile". Udinga ukuboleka imali noma mboleko ngokushesha ngangokunokwenzeka? Khona-ke usufike endaweni efanele!

Ukusakaza

Ngendlela, inhlangano yethu yanamuhla isebenza emakethe isikhathi esithile. Futhi kuye konke lokhu sekusize izakhamuzi eziningi. Yebo, umncintiswano uyanda, kodwa "Imali yakho" isasebenza. Ngaphezu kwalokho, sekuye kwaziwa iminyaka emihlanu kakade. Ngo-2011 yavulwa eMoscow, futhi manje isakazwa kulo lonke elaseRussia.

Kodwa-ke, ngoba isikhathi asikho okuhle njengoba singathanda. "Imali yakho" ikheli linokuhlukahluka. Futhi emizini ehlukene yezwe. Kuningi labo eMoscow. Futhi kuyajabulisa. Lokhu kungukuthi, singasho ngokuqiniseka ukuthi ayikho inkohliso phambi kwethu. Abakwa-Scammers bavame ukusabalalisa amafemu abo "asele" eRussia, futhi bawakhangise ngokusemthethweni.

Uma ufuna ukwazi amakheli athile, kutuswa ukusebenzisa ikhasi elisemthethweni "Imali yakho". Amahhovisi azoboniswa ebalazweni elisebenzayo lamadolobha akhethiwe. Lapho uzobona amakheli agcwele. Ayikho inkohliso! Konke kucacile futhi kulula. Ngakho, ungathembela inhlangano yethu yanamuhla. Ngenxa yalokhu, uthola imibono eminingi emihle evela kumakhasimende akhona. Yebo, inhlangano yezinkampani ezincane iyingozi enkulu. Kodwa, njengoba kulula ukubona, "Imali yakho" ikhona isikhathi eside. Futhi ayifihli kunoma ubani, ihlala ivula futhi ivule amagatsha amasha namasha emadolobheni ahlukene ezwe. Abakwa-Scammers ngeke benze ngokucacile. Kuyinto esolisayo kabi futhi eyingozi.

Angazi ukuthi ungaphi eMoscow ukuthola izinsiza ezivela enhlanganweni? Bese ubheka ibalazwe elihlangene ekhasini eliyinhloko "Imali yakho". Ihhovisi lekhanda lisePervomayskaya street, indlu 73, isakhiwo 6. Lapha (hhayi kuphela) ungathola mboleko noma mboleko. Ku-Taganskaya 1 (ukwakha 1), naku-Open Highway 5 (isakhiwo 11), unelungelo lokusebenzisa izinsizakalo zenhlangano.

Kodwa imininingwane yokuthola, kanye nayo yonke imibuzo oyithandayo, ibuzwa ku-hotline. Ukuze wenze lokhu, shayela u-8 800 700 22 29 efonini. Le nombolo iyafaneleka kuzo zonke izifunda zaseRussia. Oxhumana nabo abanjalo bayatholakala enkampanini "Imali yakho".

Uhlu lwamasevisi

Yiqiniso, indima enkulu idlala yizinsiza ezihlukahlukene inkampani enganikeza. Ukuthembeka, akukho okukhethekile ngokuphathelene ne- "Jet Mani" (ngezinye izikhathi okuthiwa "Imali yakho") ayikho. Lokhu, njengoba sekushiwo kakade, inhlangano yezimali ezincane. Akucaci ukuthi yini ngempela engayinika amakhasimende ayo?

Izikweletu nemali mboleko. Futhi ngegama elihle. Kunoma yikuphi, abantu abaningi kangaka bayaqinisekisa. Inzalo ephansi, ukubhaliswa okusheshayo. Ngokuyisisekelo, lokhu kuqedela uhlu lwezinsizakalo. Uma ucacisa okuncane, ungabona izinkomba eziningana zenhlangano.

Owokuqala ukukhipha imali yesikhashana esheshayo futhi esheshayo kunoma yiziphi izidingo. Iqiniso, inkokhelo yokukhokha lapha ayikho enkulu kakhulu. Akufanele kusimangaze, ngoba sizobhekana nemalimboleko yesikhashana. Akukho okuyinkimbinkimbi, akunjalo?

Okwesibili yiboleti besikhashana. Cishe kufana nekhredithi. Kodwa lapha ukukhokhwa ngokwezimali, njengomthetho, kuncane kakhulu.

Owesithathu ubolekise "ukukhokha." Lona uhlobo lwenkonzo eheha abathengi abaningi. Imali ngaphambi kokukhokhwa mhlawumbe isevisi ethandwa kakhulu futhi esakazeka kuzo zonke izinhlangano zemali zanamuhla.

Konke lokhu kudala ukubuyekezwa okuhle mayelana nenkampani ebizwa ngokuthi "Imali yakho". Ungasho ukuthi unelungelo lokufaka lapha uma udinga imali ngokushesha. Futhi ungakhathazeki ukuthi inqubo "iyohudula" noma idinga amaphepha amaningi kuwe, hhayi nakancane. Lokhu akuvimbeli amathuba kanye nezinzuzo zenkampani. Yini enye eyenziwa ngamakhasimende? Yiziphi izinzuzo nezinkinga ezivame ukugcizelela?

Izici

"I-Jet Mani" ihle kakhulu, nakuba ngezinye izikhathi ingabaza ngamakhono abo. Futhi akukhona ngamasevisi nhlobo. Futhi mayelana nokuthi inikezwa kanjani. Into ethi "Imali yakho" yinhlangano yezinkampani ezincane ezingahlinzeki ngemali mboleko noma izikweletu emahhovisi, akunjalo. Phakathi kwezinye izinto, ungathola lezi noma ezinye izinsizakalo ngaphandle kokushiya ekhaya. Okusho ukuthi, nge-intanethi!

Imisebenzi enjalo iphakamisa ukusola phakathi kwabantu abaningi - akuyona yini inkohliso? Ngempela, izinhlangano eziningi ezinikela ngemali mboleko kanye nemali mboleko nge-Inthanethi zivame ukudukisa amakhasimende abo kuphela. Kodwa i-MFO "Imali yakho" isiye eRussia isikhathi eside. Ingabe uzokhohlisa amakhasimende akhe?

Akunjalo. Ungakwazi, ngesevisi ye-Intanethi kanye nekhasi elisemthethweni lenhlangano, ukhiphe imali mboleko noma mboleko. Yiqiniso, ukukhishwa kwalo kuzokwenzeka ehhovisi (lokhu kuzodingeka kuqashelwe lapho uhlela uhlelo lokusebenza), noma ngqo ekhadini lebhange. Enye ayinikezwa. Ayikho into esolisayo, nakuba ukukhethwa komkhiqizo we-virtual akuyikuvusa ukuzethemba kwekhasimende. Kunoma yikuphi, faka inhlangano ebizwa ngokuthi "Imali yakho" ilungile. Ngisho nasekhasini elisemthethweni kuboniswa ukuthi ungafaka isicelo ehhovisi ukuze uthole isikweletu noma usebenzise isinyathelo esingathandabuzeki kakhulu - ukusetshenziswa kwe-intanethi. Ukuzikhethela kungokwakho.

Izimo

Iyini inkampani "Imali yakho" inikeza izimo zokukhishwa kwemali mboleko kanye namalimboleko kumakhasimende ayo? Indlela yokuqinisekisa abaningi - inzuzo. Futhi ngisho kakhulu. Ungatshela, ngandlela-thile abakhohlisa. Lokhu kokubili kujabulisa futhi kuyasabeka ngesikhathi esifanayo. Phela, bambalwa abantu ezweni lanamuhla abathembela ama-microloans kanye nezikweletu. Omunye usuvele "uwile ngenxa yezinkolelo" zezinhlangano ezinjalo, abanye bamane bathembele emaphutha angaphandle. Ngakho izimo zokuhlinzeka ngezinsizakalo zinikezwa ukunakwa okukhulu. Iyini inhlangano yethu yamanje?

Into eyinhloko ukuthi nakanjani uzoqinisekiswa ukubhaliswa kuma-akhawunti amabili. Awekho iphepha elingadingekile, ukulinda okude, noma okunye okunjalo. Ukuboleka okusheshayo nenhlangano ebizwa ngokuthi "Imali yakho" yinto engokoqobo. Umboleki kumele abe neminyaka engu-18 ubudala. Mhlawumbe lokhu kuyona kuphela isimo esibalulekile.

Ukwamukela amasevisi kusuka kuwe kuphela ipasipoti kuyadingeka. Futhi akusekho imibhalo yesithathu-party. Uma ungumhlalaphansi, ungabonisa nesitifiketi somhlalaphansi, kodwa lokhu akudingekile. Futhi akunandaba ukuthi uveza kanjani umklamo - nge-intanethi noma ngomuntu. Ipasipoti eyodwa yanele.

Unelungelo lokubolekisa inyanga inyanga noma yimuphi omunye isikhathi esincane. Yiqiniso, uzocelwa ukuba ubhalise umthombo onomphela wenzuzo, kanye nokucacisa ukuthi yini inzalo ekhokhelwa "Imali Yakho" kumalimboleko. Okwamanje, izinga lilinganiselwa ku-2% ngosuku. Ukuphakama kungenziwa "ukuboleka" 25 000. Futhi akukho lutho. Ngakho inhlangano inezilinganiso. Futhi lokhu kuyajabulisa - akekho ozokukhohlisa, konke kuchazwa ngokuningiliziwe.

Isivinini

Ukubheka ngokukhethekile kufanele kuhambisane nesisindo semisebenzi yamakhasimende. Phela, abantu abaningi "bayibheka" kuwo. Imalimboleko "Imali yakho" ingathathwa, njengoba uzothenjiswa, emizuzwini emihlanu nje. Lokho kweso leso sikhathi. Ukuvunyelwa kwenzeka ngqo, ehhovisi. Futhi ukulethwa kwemali - futhi.

Uma ngabe isicelo se-intanethi, khona-ke mboleko noma mboleko izofika ekhadini lakho lasebhange. Konke lokhu (kufaka phakathi ukubhalisa) kuthatha imizuzu engaba ngu-10. Futhi akunandaba, usuku noma ebusuku. Isisindo senkonzo yamakhasimende enhlanganweni yethu namuhla siphakeme kakhulu. Le ndlela ijabulisa izivakashi. Manje, uma udinga imali ngokushesha, ungakwazi ukuxazulula le nkinga ngemizuzu embalwa kakhulu emibhalweni enhle kakhulu. Ngakho qaphela "imali yakho" kufanelekile.

Nokho, ngezinye izikhathi izicelo ze-Inthanethi zicutshungulwa isikhathi eside (cishe usuku). Lokhu kwenzeka ngokungajwayelekile, akufanele ukwesaba. Abasebenzisi batusa ukulinda isikhathi esithile. Into esemqoka ayizami ukukhipha imali. "Imali yakho" izothatha isinqumo esinjalo njengesikweletu sesibili. Futhi emva kwesikhashana uzothola izikweletu ezimbili ezivunyiwe. Akuyona indlela engcono kakhulu, ngoba ukubuyisa imali eyengeziwe ngaphandle, ngaphandle kwenzalo, ngeke isebenze. Ngakho-ke, uma isicelo sisetshenzwa ngaphezu kwemizuzu engu-10, ungesabi. Futhi ngokuqinisekile ngeke udale entsha.

Isevisi phambi kobuqu bakho "Ukubuyekeza kwakho imali" kuthola okuhle kuphela. Ngempela, umsebenzi osheshayo futhi odidiyelwe kahle. Yilokho okudingayo. Imigqa emahhovisi, njengombuso, cha. Futhi uma behlangana, basheshe bahlakazeke - izakhamizi zithola imvume yokubolekwa kwemali mboleko kanye nemali mboleko, bese umane ushiye. Akukho okukhethekile ngalokhu. Ngakho "Imali yakho" (ikheli kanye nekheli eliqondile lamahhovisi lingabuka ekhasini elisemthethweni lenhlangano yedolobha lakho) yinkampani efanelekile ukunakekelwa. Ungamethemba.

Ukuxhumana kwezikweletu

Ukukhathalela okukhethekile ekukhanyeni kwethu kwanamuhla kudinga isihloko esinjengokukhokhwa kwezikweletu. Noma kunalokho, ukuxhumana nababolekisi. Lo mzuzu ubaluleke kakhulu, futhi abathengi abaningi banakekele. Into ethi i-microloan "Imali yakho" inikeza ukucima okungenani inzuzo, kodwa ngesikhathi esifanayo nemigomo ebiza kakhulu. Yebo, amakhasimende amaningi anelisekile - azama nje ukuthatha imali encane isikhathi esifushane. Futhi ngeke kube nokukhokhwa okukhethekile okukhethekile. Kuphela izinkinga kule ndawo zisatholakala.

Yiziphi? Uma usesikweletu, cishe uzozisola ngokushesha ukuthi uthintane nenhlangano ebizwa ngokuthi "Imali yakho." Kungani? Phela, le nkampani idlulisela cishe yonke ibhizinisi layo kubaqoqi. Okusho ukuthi, ngokwanele nje ukulibala ukukhokha kanye (ikakhulukazi uma inani likhulu), njengoba izinkampani zokuqoqa ziqala ukusebenza.

Qaphela ukuthi uzonikezwa ukukhokha izikweletu. Uma ungenzi lokhu, izinsongo zizohamba. Futhi, njengamakhasimende amaningi "Inkokhelo yakho" inothi, noma ngabe usuvele ukhokhele isikweletu, ngeke uphazamiseke. Ngamanye amazwi, bazosebenzisa imizamo yabo emihle yokukhetha lezi noma ezinye izindlela. Akuyona into engcono kunazo zonke, kodwa injalo.

Ngalokhu konke, "Imali yakho" iphika ukungabi namthetho kwezenzo zayo. Ngokuyisisekelo, "cindezela" le nhlangano ukuze kusetshenziswe izinkampani zokuqoqa sezivele zizame. Kodwa ayizange inikeze imiphumela. Kungani? Okokuqala, izikhungo zezimali ezincane zezindawo zezindawo ezinokungabazeki. Futhi inkantolo ayivami ukuvela ezindabeni ezinjalo eceleni komboleki. Okwesibili, kunzima kakhulu ukufakazela izenzo ezingekho emthethweni. Kuzokwehluleka kuphela ukufeza ubulungiswa emacaleni ambalwa.

Konke lokhu "Ukubuyekeza kwakho imali" akutholali okuqukethwe okungcono. Eqinisweni, sidukiswa. Okokuqala ukhangwa izimo ezihle, bese uqala ngenkuthalo ukushaya izikweletu nezikweletu ezivaliwe kakade. Lokhu akulona icala lokudlwengula. Ngakho qapha. Amakhasimende amaningi akhuthaza ukugcina wonke amasheke kanye namarisidi okukhokha isikhathi eside. Phela, ngezinye izikhathi ngisho neminyaka embalwa emva kokuxhumana nenhlangano ethi "Imali yakho" ungase ukhathazeke yizikhukhula. Uzodinga ukufakazela ukuthi ukhokhele zonke izikweleti enhlanganweni ngesikhathi futhi kusengesikhathi esidlule. Izinkokhelo kuphela ezizosiza kulokhu. Uma belahleka, ungalinda izinqubo ezinde. Futhi, ngokufanele, ukulahlekelwa kwemali.

Iphepha lephepha elibomvu

Inzuzo enkulu ukuthi "Imali yakho" inikeza ukuthi le nhlangano ayinayo iphepha elingenasidingo sephepha elibomvu. Lokhu kungukuthi, ngosizo lwepasipoti eyodwa kanye nemizuzu embalwa yokulinda (nakuba amanye amaklayenti athi izicelo zibhekwa ezinsukwini ezintathu), unelungelo lokuboleka ngokushesha. Futhi kuphela isikhathi esifushane, nemikhawulo ethile, kodwa ngegama elihle. Akukho bufakazi be-Solvency yakho, ayikho imaphepha! Okudingayo! Kule nkampani uthola impendulo enhle mayelana nemisebenzi yayo.

Kodwa abanye kuphela abathandeki lesi sinqumo. Yebo, isikweletu noma umbolekisi manje kulula ukwenza. Kodwa ayikho isiqinisekiso sokuthi idatha (othintana nabo) ekhonjisiwe emasimini afanele izoba ngowomboleki. Kungani lokhu kuyiqiniso?

Amanye amakhasimende agcizelele ukuthi ahlukunyezwa ngabathelisi mayelana nama-delinquencies noma izikweleti ezinkulu zokuboleka imali ezithathwe yinkampani "Imali yakho." Kukhona kuphela omncane kuphela kodwa-akekho owambolekisa lapho. Ngamanye amazwi, othile waqondisa abaqoqi izakhamizi ezingenacala. Ukufakazela ukuthi awuzange uthathe izikweletu futhi empeleni akuyona amakhasimende enhlangano ethi "Imali yakho", cishe izoba enkantolo. Uma ungenzi lokhu, uzobe uhlaselwa njalo. Ngaphezu kwalokho, ngeke ukwazi ukufakazela icala lakho - kuyodingeka ukhokhe imali. Futhi nazo zonke izintshisekelo, izinhlawulo nezinye izinkokhelo. Izinkinga ezinjalo zingalinda izakhamuzi.

Iyini inhlangano ethi "Imali yakho" ethi ngalokhu? Akukho lutho. Akekho ohlola idatha ecacisiwe uma kucubungula uhlelo lokusebenza ngokheshi! Okusho ukuthi, umane uhlinzekwa ngemali ebolekayo. Futhi lapha kubalulekile ukucabangela ijubane lenkonzo. Uma kungenjalo, inhlangano ngeke ihlinzeke ngama-microloans. Kodwa ngingahlola ukufaneleka nokuchonga koxhumana nabo abafakiwe.

Ngakho-ke, "Imali yakho" yinhlangano ephoqeleka kakhulu. Kukhona labo abahlala bejabule ngempela emva kokuxhumana nabo. Lokhu kusebenza ikakhulukazi kulabo ababolekisa "abathintekayo". Cabanga ngalesi sici. Futhi uma ngokungazelelwe uqale ukubiza abaqoqi, yenza ngokushesha, uqinisekise ukungabi namacala! Uma kungenjalo, ungathola izikweleti ezinkulu, ezizokhokhwa.

Ayikho imali

Futhi nansi into eyodwa ehlangene nayo mayelana nenhlangano yethu yanamuhla. I-pops up hhayi njalo, kodwa iyakwenza. Ngokuvamile, abasebenzisi bazama ukwakha i-microloan "Imali yakho" nge-intanethi, ngohlelo lokusebenza lwe-elekthronikhi. Ithuba elinjalo lwenzeka. Kufanele kuphela isetshenziswe?

Ngezinye izikhathi ubeka ingozi yokushiywa ngaphandle kwemali, kodwa unesikweletu. Amakhasimende amaningi akhononda ngezigameko ezinjalo. Okusho ukuthi, uthatha imali mboleko, uyayamukela, kepha awutholi imali. Kodwa izinkokhelo, ezikhokhiswa nsuku zonke - yilokho okuzovela ngemuva kokuthi ufake isicelo ngefomu lobuchwepheshe.

Okuthakazelisayo kunazo zonke ukuthi akusizi ngalutho ukufakazela ukungabikho komuntu. Noma ukhokhela isikweletu, noma uqale ukuxhumana nabaqoqi futhi ulandelwe isikhathi eside. Kunoma yikuphi, izigameko azijabulisi. Ngakho-ke, "Imali yakho" inokuthambekela okungathandabuzeki.

Ukukhishwa

Khona-ke indlela e-inthanethi ungathola Izibuyekezo eziningi kangaka yamakhono inhlangano sethu samanje? Kuyini ngempela? Kungani amakhasimende ngokuvamile unganelisekile ngokuphelele ukuzihlanganisa corporation, kodwa ushiye umbono omuhle ke?

"Imali Yakho" (eMoscow nakwamanye amadolobha), uma ukubhekisisa kahle, usasebenzisa amacebo okuthakazelisa kakhulu umsebenzi kuyi-Internet. Yena othenga umbono omuhle esikhathini esiningi. Ngamanye amazwi, bonke ukuthopha ikheli lenhlangano - it is a inkohliso. Ngaphezu kwalokho, isetshenziswa ukuheha abathengi. Ngokusho nimkholwe, noma cha - kungcono wonke umuntu unquma bona. Ngakho, ubizwa esolwa ngokukhwabanisa, "imali yakho" kuyize. Akekho umuntu uphika wakholelwa iqiniso izincwadi. Isinqumo sokugcina kumele kwenziwe.

Ngakho, "imali yakho" - iyona MFI, sekuyisikhathi eside okuyinto kube eRussia anhlamvana. Ukuphishekela konke lokhu kwenza, lisebenzisa uhlelo eside eyaziwayo ukukhuthazwa ale Nhlangano. Futhi une ukuthatha leli ku-akhawunti. Kungenjalo, ungahlala ne izikweletu, kodwa kungekho imali ngaso sonke.

Imiphumela

Yikuphi iziphetho engafinyelelwa kuzo zonke kulokhu okungenhla? Uma ngikhuluma iqiniso, "imali yakho" - ke ngempela usebenza enkampanini. Linikeza ukubolekisa yesikhathi esifushane kanye loans. Izinga lenzalo yemali mboleko kancane overpriced, kodwa izimo jikelele mahle.

Ukuthi uthemba corporation? Uma ngikhuluma iqiniso, kubalulekile ukuba uyangabaza ke. "Imali Yakho" akuyona okuningi ezahlukene kusukela mncintiswano - futhi kukhona ukukhohlisa, namasu abo. Abanye basikisela ukuba abe amakhasimende wale nkampani kuphela ezimweni ezimbi kakhulu. Khona-ke futhi kuphela ke uzokwazi uyogwema izinkinga eziningi.

Ngakho, "imali yakho" - kungcono omunye nje inkampani microfinance, okuyiqembu Russian isivele eziningi. Lidonsa amakhasimende wathenga impendulo (ngaso sonke isikhathi, kodwa ezimweni eziningi), kanye ezihlukahlukene izimo ezikahle. Isibopho ngemiphumela umboleki Bayothwala. Zibone kusengaphambili kungenzeka yabo. Ngisho ukubolekisa ikhokhwe ngokugcwele ngokuvamile ke ahlale evulekile. Loan "imali yakho" - ikhambi kulabo Kuyaphuthuma imali. Futhi uyavumelana ixhumana ne corporation, uma ngikhuluma iqiniso, kubalulekile kuphela uma wena bophezela. Kungcono ukugwema izikhungo microfinance, uma kukhona leli thuba elihle kangaka! Le nkampani "Imali Yakho" - akuyona inhlangano singamethemba zifa!