Ukubolekisa Siqu: ekwakhiweni kwemibhalo, izimo

Isidingo imali ezingavela okwamanje esibi. Kuyadingeka ukuba ngokushesha futhi ngaphansi kwezimo ezimvunayo ukuthatha loan imali. Bese kuthi-ke kuphakama umbuzo: "? Kuphi". Bank noma microfinance isikhungo (MFI)? Ngokuya izinzuzo - ebhange, futhi ngokushesha ngangokunokwenzeka - MFIs.

Bank

Ebhekisela isicelo loan ebhange, umboleki abazoba Kumele unikeze iphakethe kwemibhalo. Imibhalo ngaphezulu umboleki bazokwazi ukuhlinzeka yibhange ukuqinisekisa isimo salo free, ephansi kuyoba inani lenzalo kuyinto yonyaka, kanye nenani loan, kunalokho, ukwandisa.

Yini okudingeka?

Iphakheji liqukethe:

- ubufakazi ungubani.

- inqubomgomo yomshuwalense yezokwelapha eziphoqelelwe.

- ilungelo noma esitifiketini sokubhaliswa wemoto.

- iphasipoti, kuyinto efiselekayo ukuthi kwaba khona abangu-ipasipoti ukulawula izitembu ekhombisa travel phesheya zokugcina ezingu-6 ezidlule.

- Izinkomba umsebenzi wangempela abondla Ezinyangeni eziwu 12 ezedlule, wanyathela futhi wasayinwa ikhanda kwenhlangano.

- Amakhophi zonke emakhasini webhuku umsebenzi noma ezinye imibhalo ezingaba uqinisekise umsebenzi. Lokhu kungaba sicashunwa incwadi zabasebenzi noma isitifiketi esisayinwe ngumhleli inhloko yenhlangano, equkethe ulwazi mayelana nomsebenzi, ubukhulu bakhe kanye nesikhundla. Noma ikhophi yesivumelwano umsebenzi. Wonke amakhasi idokhumenti kufanele ibe uphawu kanye nesiginesha ekhanda. Experience nge umqashi wamanje ubophekile ukuba izinyanga 6, kanye ubude yesevisi - hhayi ngaphansi kuka ezingu-12.

- Isitifiketi sokubhaliswa kanye ehhovisi lentela (INN).

Ukuze ufaneleke ukuthola loan ebhange may futhi zidinga imibhalo eyengeziwe:

- ikhadi wezempi (kulabo okwamanje gone umbundu kweminyaka eyi-27), futhi uma engekho - imibhalo ukuthi ziqinisekisa khona deferment enkonzweni yezempi;

- original futhi ikhophi isiphetho noma kuqedwa umshado;

- ikhophi yesitifiketi eqinisekisa ubunikazi impahla engenakususwa.

Esikhathini samanje 2016 ukuthatha loan imali, loan, umzuzi kuyodingeka ukhethe ebhange nge isithakazelo ezikhanga kakhulu. Umthengi credit amazinga isukela 22-38%, mortgage uzobe ezikhishwe 11,9-18,8%, kanye loans auto izobiza 18-24%.

Iphakheji kwemibhalo oluthunyelwe umboleki uzobe ihlolwe isevisi nokuvikeleka ebhange zingakapheli izinsuku 2-12 ibhizinisi. Ngemva kwalokho, isisebenzi sasebhange ocingweni ngeke wazise ngezinqumo ezizayo umzuzi. Cash loan umboleki uzokwazi ukukhokha kusuka 1 kuya ku-3 iminyaka, esekelwe inani loan futhi umbize inzalo.

Cishe noma yimuphi umboleki, onesifo ngokugcwele ilungelo credit umlando bangathembela ukuthola engcono loan. Inani imikhiqizo kuyoya ngokuthi uhola malini umboleki njalo ngenyanga kanye nezindleko kanye uhlobo eseduze ukuthi anganikeza.

MFI

Uma ibhange kudinga iqoqo eziyinkimbinkimbi kwemibhalo, ephoqa lo muntu obolekayo ukuqoqa ulwazi oluningi futhi wenze amakhophi ngobuningi kwemibhalo ahlukahlukene, ukuthi ukuthatha imali ku-credit ukuze MFIs akudingeki inqwaba kwemibhalo. Futhi ngesikhathi konke ziyoxazululwa ngokushesha okungaka. I negative kuphela - ngisho noma umboleki oyoletha ndawonye inqwaba imibhalo eqinisekisa solvency yayo, inani lenzalo usazoba kunaleyo ebhange. Ngaphezu kwalokho, isamba semalimboleko kuzokhawulelwa, ikakhulukazi uma lo muntu obolekayo osebenza okokuqala. Futhi inani loan okuzokhishwa kuphela ruble.

Uhlu kwemibhalo kufanele ezokwenza kusicelo, emfushane kakhulu futhi siqukethe iphuzu elilodwa kuphela - umazisi.

Kungenzeka ukuthi lo muntu obolekayo uzocelwa ukunikeza incwadi yesibili, kodwa lapha Ungakhetha yena ohlwini, esizokunikeza yomuntu obolekisayo.

Ukuze ukuhlinzeka loan imali zenzalo kuzohluka, kuye indlela mikrofinanosovoy inhlangano umboleki ngeke babambisane. Okuncane senzalo iqale isicelo kusuka 0.8 2% ngosuku. Ngakho, iphesenti yonyaka ngeke isukela 292 kuya 730%.

Ukukhokha lemali lo muntu obolekayo kuyodingeka esikhathini esifushane yesikhathi kusuka emavikini ambalwa ukuze ezinyangeni eziyisithupha.

Uma lo muntu obolekayo eya MFI akusona isikhathi sokuqala, bangalindela ukuba anikezwe udumo nezinye, imigomo izindawo ezingconywana. loan okuphindaphindayo elinesimo izinga esincishisiwe, okuyinto kwehle ngo-cishe 2 izikhathi. Futhi, umboleki bangalindela ukwandisa isamba semalimboleko. Ngakho, inkampani izama hhayi ukulahlekelwa ikhasimende single. Lapha Psychology kwabangela - kule MFI kubhekwa iklayenti sina omuhle uma akunika imali loan futhi unike amabhonasi, ngakho kungani ukubonakala singcono?

credit card

Enye indlela ukuthola loan - kuba ukukhipha ikhadi lesikweletu. Ngokwezibalo, ukusetshenziswa wesikweletu phezu ingxenye eyodwa kwezintathu labantu waseRussia.

Yini edingekayo ukuze abulawe yayo?

Ukuze uthole i-credit card, kuzodingeka ukuqoqa isethi ezifanayo kwemibhalo, njengoba umthengi credit. Phakathi kokuqala yokubhalisa credit akufanele alindele umkhawulo wesikweletu ezinkulu. Uma umboleki uyoba nomthwalo kule nyanga zonke izikweletu inkokhelo, futhi ngenkuthalo ukusebenzisa ikhadi, i-credit wakhe embundwini kuyokhula. Akubalulekile ukuba ukuhoxisa ukheshi ngekhadi lesikweletu. Okokuqala, Akuwona wonke umuntu osamukelayo uhlelo yasebhange, kanti okwesibili, ngoba Ukukhishwa kwemali emsebenzini wabo abathunyelwe credit card singafinyelela embundwini 5% semali ikhishwe. Futhi ngezinye izikhathi, le khomishana ingase idlule inani lemali abolekise.

Isithakazelo, ukubuyiswa kwemali period kanye nanoma iziphi ezinye izindleko

Ukwenza i-credit card ukuthola loan imali akuthathi isikhathi esiningi: ezingu-1 kuya ku-7 zokusebenza. Ngezinye izikhathi lo muntu obolekayo ayidingi ukuya ebhange ukuze ukuthole - neposi service uyokhulula ikhadi lesikweletu ekhaya lakhe.

Igama elithi ka impilo ye-credit card okuyisilinganiso seminyaka engu-3. Minyaka yonke, kuyodingeka ukukhokhela izinsiza. Inani izobalwa okusekelwe uhlobo ikhadi: Maestro noma ye-Visa, ikhadi umkhawulo wesikweletu, plus izindleko ukukhonza yasebhange wekhasimende ebhange. inkokhelo yanyanga zonke imalimboleko kuyoba 5% we umkhawulo wesikweletu.

Ukukhethwa indawo efanelekayo obolekisayo - kuba akubona zonke izakhamuzi. Kuyadingeka ukuba ukuhlola kahle amakhono abo wezimali, ukuhlela ukuthola iholo kanye nezindleko, hhayi ukwenza imali ukuqubuka akhokhe izikweleti ngesikhathi hhayi ukuba zimbi kakhulu umlando yabo ye-credit.