Lapho uthola khona mboleko, uma uphika yonke indawo. Ngingayitholaphi imali mboleko eMurmansk, i-Novokuznetsk, i-Izhevsk, i-Chelyabinsk?

Ukubolekwa kuyinkonzo elula kakhulu, eyakhelwe ngumuntu. Ngokungangabazeki, kuyinto ejabulisa kakhulu futhi njalo igcwele izindleko ezengeziwe. Noma kunjalo, yibo loan yasebhange eyenza ukwazi ukuthola into, insizakalo noma into lapho ukuthengwa kwemali yomuntu siqu kunganele. Kodwa yini okufanele uyenze nokuthi uyothola kuphi imali, uma wonke umuntu enqaba?

Kungani unqaba amabhange: isizathu siwukuqala

Okokuqala, kuyasiza ukuthola ukuthi kungani izinhlangano zezimali zikuphika. Ngakho-ke, enye yezinto ezivame kakhulu ihambelana nesamba semali engenayo. Kulesi simo, kufanelekile ukuqonda ukuthi ngaphambi kokuba umklomelo avume ukukhipha imali edingekayo, uhlaziya inani lemali engenayo. Njengomthetho, kufaka phakathi imali engenayo yomuntu obolekayo kuphela, kodwa futhi wonke amalungu omndeni ahlala naye endaweni eyodwa.

Ngesikhathi esifanayo kule mali kuncike izindleko zokukhokha izinsiza, izintela nezinye izindleko. Umphumela wukuthi imali umuntu obolekayo angakwazi ukuyikhokhela. Ngakho-ke, uma lokhu kubonakala kungaphansi kwalowo umuntu okhonjweyo ofuna ukuwamukela, khona-ke ukwenqaba kwebhange kuyaqondakala kahle. Ngenxa yalokho, umbolekisi ukhuluma ngendaba efanayo enhlanganweni yesibili, yezemali yesithathu futhi uthola impendulo engalungile. Futhi-ke, engaqondi ukuthi kungani isizathu, uqala ukukhathazeka ngokuthi uzokweleta kuphi, uma benqaba yonke indawo.

Isizathu sesibili: ukungabi khona kwemithombo eqinile yengeniso

Isizathu sesibili singase sifihleke emthonjeni ongaqiniseki weholo lomthengi. Laba bangabakhokhi abangahle bangasebenzi kuphi ngokusemthethweni. Lokhu kungukuthi, kungaba ngabaqambi nabontonkontileka abenza umsebenzi wokuklama, ama-freelancers, abaculi abanemali engavamile, njll.

Ngokuvamile abantu abanjalo banqatshelwe imali noma bayavuma ukunikeza imali encane kunenani elidingekayo. Futhi, isikhathi sokunikeza leyo mboleko singancishiswa, futhi njengesiqinisekiso, ibhange lizokweluleka ukuheha abaqinisekisi abaningi abathembekile, banikeze umshwalense wokuthenga noma wokuthenga. Ngakho-ke, ukuze ungakhathazeki ngokuthi ungaphila, uma wenqaba yonke indawo, kufanele uqale uthole isizathu sokwenqaba. Futhi-ke, kubalulekile ukucabangela okunye okukhethwa kukho okuhlongozwa yilowo omele isikhungo sesikweletu.

Isizathu sesithathu: iminyaka engewona imali

Esinye isizathu sokuthi lowo obolekayo ushiye ibhange ngokungenalutho, akuyona iminyaka eyi-creditworthy. Ngakho-ke, kungenzeka ukukhipha inkokhelo emabhange amaningi kusukela eminyakeni engu-21-23 (kancane kancane - kusuka ku-18). Uma ungaphansi kwesilinganiso esincane, khona-ke uzophikwa u-100% wesikhathi.

Okufanayo kusebenza kubantu abadala asebekhulile. Ngesikhathi sokusayina isivumelwano sesibolekiso, akufanele kudlule ukuphakama okucacisiwe emithethweni yasebhange. Isibonelo, eSberbank yaseRussia ingafaka isicelo sokubolekisa abantu abasebenza ngemali kusukela eminyakeni engu-21 ukuya kwengu-65. Ibhange laseMoscow libolekisa izikweletu kubbolekayo eminyakeni yobudala kusukela eminyakeni engu-21 ukuya ku-70. Omunye ungaphinda afake ukungahambisani nanoma yiziphi izidingo zeziko lesikweletu, isibonelo, isipiliyoni sakho somsebenzi singaphansi kwezinyanga eziyisithupha, nasemsebenzini wokugcina owasebenza ngaphansi konyaka, njll. Uma konke okungenhla okuphathelene nawe, kufanele ucabange ukuthi ungathola kuphi Isikweletu, uma benqaba yonke indawo. Kodwa okuningi ngalokhu kamuva.

Isizathu sesine: indaba ehlambulukile

Mhlawumbe iphuzu elibaluleke kunazo zonke ababolekisi abanaka ngayo ukutholakala kwedumela elingalungile lesikweletu. Okusho ukuthi, lowo obolekayo ubophezelekile ukuba ahambisane nayo yonke imithetho enikeziwe kwisivumelwano sesikweletu, ungaphuli imithetho yokukhokhelwa kwenyanga, yenza imali kuphela ngokulandelana nokulinganisa okucacisiwe.

Futhi, ngokufanele, uma lowo obolekwa ephula imithetho ebekwe yibhange, umlando walo wesikweletu uzosulwa. Futhi lokhu kusho ukuthi akuvamile ukuthi umkweletu akhombise ukubhekana nomklayenti ongenangqondo.

Ngingayitholaphi enye imali mboleko eMurmansk?

Ngakho-ke, kuphi ukuboleka imali, uma wonke umuntu enqaba? E-Murmansk, ake sithi kunengqondo ukubolekisa imali hhayi ebhange kuphela, kodwa nasenhlanganweni engeyona ebhange. Isibonelo, kungaba yi-MFI (inhlangano yezinkampani ezincane zezimali). Yiziphi izinzuzo zokwelapha okunjalo?

Okokuqala, abameleli bama-MFIs banamathela kumakhasimende abo, ngokungafani namabhange. Okwesibili, inqubo yokuthola nokwamukela izikweletu kulezi zakhiwo ezingenzi inzuzo, njengomthetho, ilula. Lapha ungathola imali yekhredithi kuphela ngepasipoti, futhi akudingeki ukuthi ubeke izitoreji kanye nezitolimende zokuqala, ukuheha abaqinisekisi. Okwesithathu, cishe wonke ama-MFI anesimiso sohlelo lokuthembeka. Ihlinzekela ukwanda kwenani lemalimboleko yiklayenti, uma inesikhathi sokuzibonakalisa ngecala elihle emva kokubolekwa kokuqala.

Isibonelo, e-Murmansk kunenkampani enjenge "Centrofinance". Ihambisa ama-microloans ngenani lezinkulungwane ezingu-1000 futhi kuze kufike ku-50,000 rubleki isikhathi esisodwa kuya kwezinsuku ezingu-90. Inani lokukhokhwa ngokweqile ngemalimboleko enjalo kuyoba ngu-0.5-1% ngosuku. Ubudala bokuboleka ngesikhathi sokubhalisa kufanele kube phakathi kweminyaka engu-21 no-75.

Lapho uthola khona mboleko uma wenqaba yonke indawo: i-Novokuznetsk

E-Novokuznetsk, izinhlangano ezingekho ebhange nazo ziyasebenza, zilungele ukunikeza imali mboleko yesikhathi esifushane kubakhokhi babo abakhona. Isibonelo, i-microcredit kuze kube yizinsuku ezingu-21 kanye nenani lezinkulungwane ezingu-1 000 kanye nama-ruble angu-15,000 angatholakala enkampanini "i-SMS".

Thumela isicelo se-intanethi kusayithi lensiza bangababolekayo, abaneminyaka yobudala okungenani engu-18, kanye neminyaka engu-70 engaphezulu. Inani lokukhokhelwa ngokweqile ngosuku ngosuku olunjalo lwe-microloan lilingana no-0.90-1.74% ngosuku.

Ngingayitholaphi i-microloan e-Izhevsk?

Uma ungazi ukuthi uzoboleka kuphi, uma unqatshelwe yonke indawo e-Izhevsk, qaphela ama-MFIs alandelayo:

• "I-Centrofinance".
• "Imali ikhokhwe."
• "I-SMSfinance".
• "Webbanker."
• "Men Men".
• «Kredito24» nabanye.

Isibonelo, uma usuvele uneminyaka engu-21, khona-ke ku-MFO "Imalimboleko yemali" ungakhipha inkokhelo yama-ruble angu-5 000 no-100 000 isikhathi semasonto amabili kuya kwangu-24. Inani lokukhokhelwa ngokwezimali lizobe li-1% ngosuku.

Ngingayitholaphi imali eKhelyabinsk?

Awukaqapheli ukuthi uzotholaphi mboleko, uma inqatshelwe yonke indawo, e-Chelyabinsk? Qaphela i-MFO "Imali izoba!", Okuthatha isinqumo ngesikweletu phakathi nengxenye yehora futhi, ngokuphendula okuhle, kuphazamisa ama-microcredits ngenani lama-5,000 kuya ku-70,000 ama-ruble ngezinsuku ezingu-14 kuya ku-365. Ubukhulu bokukhokhwa ngokwezimali kuzoba ngu-0.3-1.8% ngosuku. Ababolekisi bale nhlangano, ngokwemigomo yenkampani, bangaba izakhamizi eminyakeni yobudala kusukela eminyakeni engu-21 kuya kweyengu-70.

Ngaphezu kwalokho, kunezinye izinhlangano e-Chelyabinsk ezingakunikeza ngesikweletu. Phakathi kwabo - inkampani ehlakaniphile "Imali yakho", inhlangano ethi "Platiza.ru", i-MFO "Lime-Zaym", "Ferratum Rasha" nabanye.

Ngelinye igama, kunezinye izindlela zokubolekwa kwebhange. Ihlala kuphela ukwenza isinqumo esifanele ngokuqondene nalokhu noma leyo nkampani.