Izindawo lapho ungakwazi futhi bazishaye isifuba ngokuthi abangasebenzi

Ngaphambi wazi lapho ungathatha sokubolekwa abangasebenzi, unezela ukuthi kukhona izigaba eziningana zabantu, ezifana abasebenzi ezizimele noma abantu nje ukusebenza ngokwabo, abangekho ukwazi ngokusemthethweni ukuqinisekisa imali yabo. Emehlweni bebhange ngokuphelele abantu abangasebenzi, futhi udumo bakwazi ukunikeza out kuphela eziphezulu zenzalo. Manje, ezindaweni eziningi emsebenzini nethuba ukusebenza ukude futhi kubhekwe omunye ngezokuvakasha. Kuyinto inzuzo umqashi kanye nomsebenzi, kodwa unganelisekile zokuthenga ngesikweletu.

Ngakho kungenzeka ukuthi uthathe imali ngaphandle kwenzalo ukuze abangasebenzi? Impendulo isobala: yebo. Konke okubalulekile wukuthi abasebenzi khulula akukho amarekhodi umsebenzi, futhi ngaphandle isitatimende kulezi ukuze amaklayenti umnikazi kubhekwe abangasebenzi. Phakathi naleso sikhathi, izimo ngesikweletu anikezwa amabhange, zibukhali kakhulu. Ngokwesibonelo, abanye amabhange zigcwalisa lesi siprofetho ngokunikela izinhlelo ezithile credit, angakhipha loan ngaphandle iziqiniseko kanye imibuzo esikhathini esifushane. Kodwa akubona bonke ngakho elula. Inani Ikhishwe sincane kakhulu, kanti ngonyaka senzalo nje idlula umkhawulo (ongafinyelela ngisho angafika ku-75%!).

Zenzalo emalini ebolekwe labo abenziwe kwimodi express, emangalisayo okusezingeni eliphezulu, futhi ikhono lokunika isamba semalimboleko kuyaqabukela idlule ayizinkulungwane 100. Ruble. ukusebenza Akekho yasebhange akakubangeli izinkinga ezinjalo, ngakho ngeke uchaze ngokuya olujwayelekile mayelana nendlela ukuthola loan abangasebenzi. Into esemqoka ukuthi inombolo encane kwemibhalo (sitjho sakugcina: ngokuvamile kungagcini passport) ingatholakala umthengi credit kuphela. Ukuze a mortgage noma imoto loan eside amaphepha adingekayo eqinisekisa zonke izimali ikhasimende. Le ndlela iyehlisa uhla izindawo lapho ungakwazi futhi bazishaye isifuba ngokuthi abangasebenzi.

Ababoleka imali bavame ngifuna ithuba imali infusions endaweni ethile ohlangothini, ngoba amabhange elikhiphe ukubolekisa ngaphandle ejwayelekile yokuqinisekisa engenayo, kuncane kakhulu. Kulokhu kufanele uthintane credit wabathengi. Atadisha ungubani lo muntu obolekayo futhi, uma zaneliswa solvency egcwele iklayenti, kungaba ukuncoma ebhange umlingani (Yiqiniso, iphesenti ezithile). Yiqiniso, ephelele yi akekho ezithembisa ngempela, kodwa amathuba ukuthola imalimboleko bayovuka kakhulu. Lona enkantolo kuqala futhi ezivamile, lapho ungathatha libolekwe abangasebenzi.

Ungase futhi ukuqasha izinkonzo mikrofinansistov. Nokho, lezi zinto ezisebenza ngayo ikakhulukazi loans amancane isithakazelo eqolo (ezingase zifinyelele 500% ngonyaka), kodwa kuyaqabukela umuntu ujabule. Akufanele ukuvala amathuba ngokubambisana neNhlangano pawnshop, inzalo lapha kwamukelekile ngempela, futhi iyashintshashintsha azungeze 15-30% ngonyaka. Kodwa ukuze uthole lemali okuqinile udinga ukunikeza okungenani ibha esiqinile igolide. Ngezinye izikhathi, ikakhulukazi Lombardy bona kalula ukubaluleka izivunulo zenu, ukuze ikhasimende uthola imali ngokuphelele kuyinto engasho lutho. Nakuba lokhu futhi endaweni ethandwa kakhulu ukuthatha imali ngaphandle kwenzalo ukuze abangasebenzi, kodwa ukwenzani pawnshops kangcono lincane.

Ngakho, siye sacabangela izindlela eyinhloko yokuthola ukubolekisa akasebenzi futhi wathola ukuthi izimo ngabo cishe noma kuphi okungekuhle. Uma ungenayo i-ohambelana entry encwadini yomsebenzi, kungcono ukuboleka imali abangane abahle nabajwayelene nabo, ngisho irisidi. Uma kungenjalo, lakheka ngokubizwa "khala izikhumba ezintathu." Qaphela futhi njalo ufune enye.