"RosDengi": abanamacala ukubuyekezwa. Microloans - usizo lwezimali noma ubugqila?

Namuhla, inani labantu imali usebenzisa microloans ibhizinisi inzuzo kakhulu. Ungaqinisekisa lokhu, okungenani ubuka emakethe, okuyinto eyenziwa imisebenzi ehlobene micro-loans. Lapha kukhona inqwaba izinkampani ukuthi benza kahle lokhu.

Lokhu kungase kubonise ezicini eziningana. Okokuqala, ukufuneka kakhulu imali "fast", kanti okwesibili, iqiniso lokuthi abantu ngokuya ophoqelelwe ukuboleka imali (okuyinto abanayo ukuthi okuningi unika iholo), futhi okwesithathu, ukuthi imalimboleko yenkampani ezivelele ngalesi inzuzo enhle.

Esimeni semakhaya lesi sihloko sizobheka kwasekuqaleni, umqondo wokuthi microcredit ezinjalo - omunye zobugqila noma insimbi inzuzo ngempela ngokwezimali, ngawo ungakwazi ukuxazulula izinkinga zabo; Okwesibili, sizobe ukuchaza omunye yezinkampani ezinkulu elikhiphe microloans ebizwe "RosDengi". Izibuyekezo abanamacala lesikhungo, kanye nolwazi kusukela umphakathi kuyosisiza siqonde kangcono lo mbuzo.

Microcredits. Ngokwesibonelo

Siqala Yiqiniso, ngombuzo jikelele yini microcredit. Ngiqinisekile iningi lethu kakade ukuqonda umehluko phakathi okuthiwa "loan okusheshayo" kusuka ukubolekisa umthengi elula. Kodwa kungcono sikunikeza isibonelo ukuthi zizobonisa kulesi sigaba.

Ngakho, ake sithi uthatha loan ukuthenga nesiqandisi. Lona inani elilingana ezintathu amaholo ethu, thina esingase sihlengwe kancane kancane, enikeza ezinye izinxenye nomholo wabo, bathi, ungakapheli nonyaka. Lona umthengi credit zakudala elenziwe, ngokuvamile okunye okubalulekile, izindleko ezinkulu.

Esinye isibonelo: imali sachitha, nakuba iholo namanje izinsuku 5. Imali edingekayo ukuze ukuthi ukuya esitolo uthenge imikhiqizo useshonile. Yiqiniso, akukho lutho kwesokunxele kodwa isicelo loan encane. Emva kokuthola iholo esingaphansi kwesonto, sizobe abuyisele lesi sikweleti. Futhi isebenza microloans, noma njengoba ingaphezu evame ukubizwa ngokuthi, ukubolekwa imali esheshayo.

Speed ukucutshungulwa nezimfuneko ongaphakeme

"Fast" libizwa ngenxa kanjani inqubo yokubhalisa elula ekulandulayo. Esikhundleni lokuqoqa izitifiketi ahlukene okuqashwa kanye ukhombise idatha ethile amafa abo (njengoba kwaba njalo endabeni ka-umthengi), esimweni abasebenzisi micro-credit umane ukwethula i-passport. Kwezinye izimo-ke kudinga ulwazi olujwayelekile kuphela mayelana nokuthi ukusebenza, futhi ngenxa yalokho, abe umthombo okusimeme engenayo. Njengoba ejulile njengoba amabhange, izinkampani ukuthi ukukhipha microloans, hhayi ukumba.

Isizathu salokhu "ukuziphatha okuxekethile" lenkampani wukuthi kuba inzuzo yokwenza ukubolekisa ezinjalo. Uma ikhasimende ibuyisela imali sikhathi wayephiwe overcharged ngempela iphesenti eliphezulu ukusetshenziswa kwezimali (isib 10% izinsuku 10 - lena izinga evamile). Kwelinye icala, uma kwakungenzeka ukuba okweletayo ingabuyeli imali ngesikhathi, it is elinde ukudonsa izinkantolo kanye nokulahlekelwa ezinkulu zezimali. Imigomo micro-loans abanjalo ukuthi ikhasimende uzobuya inkulu ngokuphindwe kaningi kunemali ekuqaleni wathatha. Ngalolu futhi wenze Amahhovisi ezinjalo.

ithuluzi lwezezimali noma ubugqila?

Empeleni, e-athikili yethu ku microloans, abuze umbuzo yini ziyimisebenzi amahhovisi, okuyinto ekuqaleni iphesenti eliphezulu kakhulu emisebenzini yabo.

Ngakolunye uhlangothi, sizwisise abakweleta bebhekene nenkinga lemali. Abantu ukuthatha loan esheshayo, futhi ngaphandle kwalokho, njengoba umthetho, musa abalulekile imali kukho. Akukhona abameleli ocebile abantu, njengoba umthetho, siphile ngomholo owodwa (ngaphandle ezingavamile). kakhulu umsebenzi microcredit - ukusiza "ukuzabalaza" kuze kube inkokhelo elandelayo.

Ngakho lapho inkampani ucela indoda ukukhokha 10% ngaphezulu, isivele olimaza (nzima kakade) ngesimo sakhe sezimali ukuze uthole inzuzo yabo. Ebona lesi sidingo, amakhasimende abaningi wahlambalaza, kusale izinkulumo ezimbi eziphathelene Amahhovisi ezinjalo.

Omunye umbuzo - lena inzuzo inkampani ihlela microloans esikhipha amaphemithi. inzuzo yalo iwukuba ubalekele umboleki ngamunye imali ayemnike sona ekuqaleni, ngenxa yentshisekelo anda. Futhi ngaleso sikhathi, akekho iphoqa umuntu ukukhipha boleko izimo ekuqaleni ezingezinhle; futhi kuphela asayina lesi sivumelwano - uma sicela, akhokhe! Ngakho-ke, lapho libhekwa iphuzu eliwusizo umbono, ababoleka okufanele babekwe icala ngendlela ngokuthi baphathwe (esimweni yokungakhokhi) sohlobo olufanayo "RosDengi". Izibuyekezo abanamacala ngakho ngezinye izikhathi futhi abe ngokucacile negative, kodwa "yebhizinisi ibhizinisi" ...

Indlela bachithe microcredit?

Kuye ngalokho ezingakwenza ngokuphila imali esikweletini, zingenza kube uthanda isigqila inkosi yaso. Uma uchitha isikhathi esiningi bahlala ukubolekisa enjalo-ke, cishe, umane akazi ukuthi ukuhlela imali yabo. Ngakolunye uhlangothi, ekucubunguleni microcredit kuphela ezithile, ezimweni ezibucayi, ungagcina isimo. Ngemva kwalokho, yebo, udinga ngokushesha ngangokunokwenzeka ukukhokha izikweletu, ukuze singathwesi incur izinkinga ezengeziwe.

Phatha imali waboleka angazi kanjani zonke. Echaza inkampani "RosDengi" libuyekeza abanamacala uqinisekise lesi. Ngokwesibonelo, kukhona imibono engakhi kulabo abaye imisiwe ukukhokha okukweletwa ngempelasonto noma nje ukhohlwe ukuthi kwakwenzekani 'ngosuku lukaJehova lwamanqamu. " Kusobala ukuthi ababoleka bona lezo uzibeke icala ngezinkinga zabo, futhi ukuba loan enjalo kungaba ngempela abe isigqila. Awukwazi ukusho mayelana amaklayenti sisigcine neqondayo, aqaphelisise ngoba isikweletu ukubuyiswa kwemali schedule.

Ngakho-ke, njengoba inani elincane ingxenye yokuqala lesi sihloko singasho ukuthi ubugqila izikweletu scary kuwe, uma ungase ukwazi ukugcina umkhondo imali yakho, uphathe futhi bachithe.

Inkampani "RosDengi"

Engxenyeni yesibili Ngithanda ukwethula kini ukuba enye yezindawo ezinkulu kakhulu micro-credit inhlangano emakethe, okuthiwa "RosDengi". Loan lapha ungathola cishe ubani kungaphansi izidingo efakwe kwi website yabo. Kufanele bathi abaqotho ngokwanele (kabanzi ngalokhu bhala kamuva).

Banikezwe isipiliyoni ocebile isakhiwo (emakethe linikezwa kusukela ngo-2010), kanye Inethiwekhi ebanzi yophathina Amahhovisi (imisebenzi inkampani yakho ingaphezu emadolobheni angamakhulu ezweni), kungase kuqashelwe ukuthi le nhlangano iye yasungula indlela yakhe siqu ibhizinisi kanye nokuxhumana siqu namakhasimende okuyinto efana elokugcina. Lokhu kungenziwa abahlulela yokuthi phakathi nayo yonke inkathi wokusebenza, inkampani uthathé amabhidi kusukela abangaphezu kwesigidi abantu baseRussia.

Mission kanye Amanani

Nokho, thina ngeke nje ukhuluma "amapayipi" commercial enikeza ukubolekisa bonke comers. Eqinisweni phambi kwethu - inkampani nezimiso zayo kanye injongo, okuyinto watshela kabanzi kwi website esemthethweni "RosDengi" (abanamacala Izibuyekezo Yiqiniso, awukwazi ukwabelana ngalezi zimiso). Ngakho, umsebenzi oyinhloko iqembu ukunikeza amakhasimende ukuthi kungenzeka ukuba baxazulule izinkinga zabo zezimali njengoba kahle futhi ngokushesha ngangokunokwenzeka, ukuthola kusukela kulesi sakhiwo loan yesikhashana. Isiqubulo yenkampani: "Singabantu abaseduze, uma udinga imali." Kuze kube manje njengoba singabona, la mazwi zivumelana isimo sangempela inkampani, esebenzisa kunikezelwa amahhovisi amasha kanye kuphela uyanda share emakethe yayo.

impendulo

Igatsha oyinhloko inkampani itholakala Petersburg: it is zilandelwa ngu umhlahlandlela; Aya isicelo esifanayo kanye sifinyeto abaqashwa. Nokho, njengoba kwabikwa ngenhla, ungathola ehhovisi leqembu, cishe, futhi edolobheni lakho. Funda kabanzi mayelana nokuthi uzoyaphi ukuthola ukheshi, sicela ushayele 8-800-200-50-51. It is wakhonza yinkampani "RosDengi" hotline izingcingo okuyizinto khulula. Sicela uqaphele ukuthi, ngaphezu efonini, ku-website yenkampani kukhona uhlobo zokuxhumana nge-Internet. Ngakho zonke isivakashi ungathumela umyalezo inkampani umxhumanisi unesithakazelo isihloko futhi uthole impendulo esheshayo.

Enhloko-dolobha, esebenza igatsha, "RosDengi.Moskva" inkampani. Amahhovisi Local ukuze waziwe eceleni (kusayithi yabo engekho): emahhovisi ezintathu eziyinhloko .Moskovskoy Street 14A Street. Kalinin, 2, nangaphandle Station, 18B. Ukusebenza isikhathi - kuze kube 20:00, izinombolo zocingo zingatholakala ku hotline.

Ukuze uthole ukwaziswa mayelana nendlela iqembu umelwe kweminye imizi, ungafunda ngendlela efanayo. Lokhu kubalulekile ngoba emahhovisi enkampani "RosDengi 'ayizikhungo, lapho kubhaliswa imalimboleko.

izimo

Uma ukholwa ukuthi website esemthethweni ukuthola loan emigomweni yakho lapha ilula. "RosDengi" (inkampani microfinance, okuyinto thina elichaza) inikeza ukubolekisa umthamo wamandla ruble ayizigidi omunye eziyinkulungwane 30 kunoma ubani engu-18 ubudala futhi abangekho emidala kuno-70 futhi abe imali ekahle. Umnqamulajuqu esiphezulu irisidi izinsuku ezingu 17, ubuncane - 7. Inhlangano kwenza kube nokwenzeka ukuthi banwebe isikhathi sokukhokha uma kwenzeka ukuthi umsebenzisi abakwazi ukukhokhela ngesikhathi.

Izibuyekezo abanamacala

Njengoba sesiphawulile, iningi imibono engakhi mayelana isevisi yakhiwa labo ngesikhathi esisodwa wathatha loan futhi abakwazi ukubuyela ngesikhathi. Abantu bhala ukuthi inkampani "RosDengi" kutlhoga kungenzeki: it kwandisa inzalo ibalwa izikweletu amabutho amasha, njalo ukwanda kwesibopho okweletayo sika. Ngakolunye uhlangothi, le nqubo singokwemvelo, ngoba loan saphuma umuntu wayekwazi uya.

Njengoba for izinga isevisi yethu iyonke - akukho izikhalazo aye atholakala. Iqiniso lokuthi inkampani idinga inkokhelo izikweletu - futhi kucace, ngoba kuyindaba umsebenzi wabo futhi ikhono usebenze emakethe esikhathini esizayo.

Impendulo evela abasebenzi

Ngokuvamile, abantu abasebenza lapha nazo bakamalalahlengezela ukushiya amazwana mayelana "RosDengi" inkampani. I loan belapha, yebo, wakwenza hhayi evulekile, kodwa futhi ukubhala kokubili Izibuyekezo emihle nemibi. Othile uyajabula ngokuthi banikezwe ithuba ukufunda okuthile okusha bese wenze imali eningi uma kwenzeka ukuthi usebenza nzima. Abanye bakhononda ngokuthi kukhona baqinisa kakhulu ukuhlolwa bezosebenza, ukuthi iziphathimandla enganikanga ithuba ukuthuthukisa, nokunye. Amazwana mass, kodwa zonke ezihlobene amacala ngabanye. Abanye abakwazi walala wonke picture - Isilinganiso yenkampani kuwebhusayithi nge izibuyekezo mayelana 3.5 amaphuzu 5.

okutholakele

Lokho "RosDengi" singasho mayelana inkampani? Le nhlangano isebenza ensimini sasivumela eqinile ukuncintisana kanye eziyinkimbinkimbi (ngokuya Psychology). Lokhu imvelo zezimali, lapho isimiso 'yebhizinisi ibhizinisi ", okuyinto sishilo ngenhla. Iqiniso lokuthi inkampani iyasebenza kusukela ngo-2010 futhi kuphela rose in naso sonke lesi sikhathi, - kube inkomba yokuthi indlela efanele abaphathi bayo. Njengoba nezinhlawulo esintamo ngenhlonipho kokubili umboleki kanye nabasebenzi - ngokuqinisekile sekwenziwe laba bantu ukuqonda nokuzisola kungaba, kodwa kokubili wayekwazi lokho ekuhambeni.

Hlanganyela manje sizikhandle ngokwanele - ezingeni lelisetulu yesitifiketi inkonzo. Kukhona eliphezulu ukwesekwa (lakhonza "RosDengi" nenamba yefoni usihlolile okungenhla - kungcono ayimi call centre, bengathola ukuba nanoma iyiphi umbuzo). Kodwa ukuze abe isigqila credit yakho noma ukuyisebenzisa njengethuluzi eliphumelelayo ukuxazulula izinkinga zabo - lena ngesinqumo esithathwe umboleki.