Yikuphi yasebhange sizonikeza amaphesenti 100 imalimboleko? izimo loan

Akusiyo imfihlo ukuthi, ebhekisela yasebhange yokubhalisa imalimboleko, bezikhali umboleki ulindele isinqumo esihle mayelana nesicelo. Kodwa, sibhekene abakweletwayo okungenani kanye, izakhamuzi ukuba afinyelele isiphetho ukuthi loan kungaba yinselele. Othile nobunzima emsebenzini noma engu kahle, futhi babecela othile ukuba ngingoni loan odlule. Yikuphi yasebhange sizonikeza amaphesenti 100 imalimboleko usesimweni esinjalo? Eqinisweni, kukhona izinhlangano ezilungele ukuhlangabezana amakhasimende ngazo zonke izikhathi.

Ingabe ibhange ukunikeza 100% isiqinisekiso ndaba?

Noma yimuphi yasebhange ngokukhethekile uboleka sabantu, ulindele ukuthi uthole imali yakho emuva. Ngaphezu kwalokho, ngaphansi kwesivumelwano ne inzalo enqwabelene, ngoba umbolekisi has ukwenza futhi amasevisi abo. Ngakho-ke, ikhono ukukhokhela futhi wemfanelo ikusasa umboleki - yilokho ngokuyinhloko izinto ukuze inhlangano yezimali.

Ngakho-ke, abantu abambalwa kakhulu ongamtshela ikusasa umboleki, lapho ukuthola loan ukuze unike. Uma noma yisiphi isikhungo credit ngokungenamibandela unike ayeyiboleke yimuphi umuntu onentshisekelo, kungakhathaliseki ubudala, umsebenzi, kanye nezinye, amabhange ngabe azisekho.

Imigomo esekelwe phezu kwayo i-isikhungo sezezimali enquma zincike umbolekisi othile. Kukhona ubuhlobo kanye nezinhlelo ezithile obolekisayo. Ngakho, loan ayishilo ngezinceku inani eliphansi akusayikubakho ingozi enkulu ngoba ebhange, futhi ematfuba okuzenzakalelayo ihlanganisa zasendle senzalo kanye nezinhlelo umshwalense, okungase ikhokhwe ngokushesha ngemuva kokuthola imali. Ezimweni ezinjalo, it has ithuba lokuba washonaphi futhi umlando omubi wokukweleta. Yikuphi yasebhange uyonika loan Kulezo zimo? Sifunda kamuva.

Iziphi izici ukuqinisekisa isinqumo esihle kunoma iyiphi ebhange?

Uma lo muntu obolekayo uzokwazi ukulungiselela ukuthola loan kusengaphambili, khona-ke akuyena nesithakazelo kakhulu umbuzo yini ibhange uyakutsheleka kwe 100 phesenti. izinhlangano Credit kufanele amaklayenti ezingaba izimfuneko ukuthi ngokwanele ukuba bakwamukele:

• ukutholakala kwemibhalo yokuqala ungubani (ipasipoti Russian futhi idokhumenti eyengeziwe);
• Ulwazi imali umsebenzi (ezinye amabhange ungavumeli kuphela 2-PIT, kodwa izindlela);
• contact umuntu kuze whom you ungabiza bese ucela iklayenti;
• omuhle Umlando wokukhokha kwemali.

Ngaphezu kwalokho, ochwepheshe uzoyilalela nenye idatha yomuntu siqu iklayenti, abayoba afakaze kwato nokwethembeka. Uma lo muntu obolekayo eshadile isikhathi eside ayishintshi endaweni yokuhlala noma domicile, akukashintshi imisebenzi - cishe, ungalindela umthwalo ezivela kuye.

Uma lo muntu obolekayo ihlangabezana zonke nalezi zici ezingenhla, kepha akanalutho ukwesaba. Cishe, esinqumweni sakhe ukuvuma isicelo, eqinisweni - ziyonikela izimo ezikahle kakhulu. Uma ikhasimende feedbacks izimo wayezele ebhange ke uqhubekela esihlokweni esilandelayo.

Yikuphi yasebhange sizonikeza amaphesenti 100 imalimboleko?

Naphezu kwezinto eziningi ezidinga eliphezulu iningi abakweletwayo sisengakwazi ukuhlukanisa izikhungo zezimali eziningana ezinkulu alungele ukuhlangabezana cishe wonke umuntu. Yiqiniso, lezi amabhange balinganiselwe, kodwa ngaphezu kwakho konke iphathelene engu-umboleki futhi umsebenzi wakhe esikhathini esizayo.

Iningi lezingane ukwamukelwa usukela kusukela amabhange:

• "Russian Standard".
• "Renaissance".
• "Tinkoff".
• "Ekhaya Credit".
• "Thembela".
• "Alfa-Bank".
• "Orient Express Bank".

Lezi zikhungo uboleka ukunikela impela ukusabalala esikhulu zenzalo - kusuka 15 kuya 75% ngonyaka. Lezi amabhange nethuba loan, futhi kulabo amakhasimende abe ezinye izinkinga Umlando wokukhokha kwemali. Ukutholakala isikweletu yomphakathi, ngeshwa, nganoma iyiphi ebhange kuyoba isiqinisekiso 100 amaphesenti ukwehluleka.

Ngingathola udumo abangasebenzi?

Yikuphi amabhange ukunikeza ayeyiboleke abangasebenzi? Ukuze siphendule lo mbuzo, kumelwe siqonde umqondo wegama elithi "abangasebenzi". Izakhamizi abangekho abaseminyakeni yokusebenza futhi inempilo enhle, kodwa akumelanga wahlela ukusebenza Unethuba kancane lokucubungula loan. Iqiniso lokuthi muva lwezokuphepha yebhange ukufinyelela idatha RF Pension Fund, futhi uma kudingekile, nomuntu akasebenzi futhi imali yakhe yangempela ibalwa kalula.

Enye into - abahola impesheni. Ezinye izikhungo zezimali bazimisele ukuya ukuhlangabezana engu umboleki ethatha umhlalaphansi, okuyinto njengoba engenayo unomphela umhlalaphansi nje. Lezi zikhungo zihlanganisa inhlangano enkulu kakhulu - "Gazprombank". Ngaphezu ukwethembeka, umfakisicelo kungenzeka ancike oyithandayo ngemigomo yekhredithi. Yiqiniso, uma umlando wakho wokuthenga ngesikweleti, okungukuthi kulungile.

Lapho ukuthola loan abangasebenzi, umlando wakho wokuthenga ngesikweleti, eyayintula ukuza izono? Ungakwazi zisebenza "Renaissance", "Alfa-Bank" noma "Sovcombank". Lezi zinhlangano impesheni nezinye izakhamuzi ze-non-ukusebenza angadingi eziningi nemibuzo, kodwa inani lenzalo, uma sikubeka kahle, kushiya okuningi okufanele oyifunayo.

Kungakanani ungalindela

ababoleka Abaningi abaziqondayo ukuthi amathuba abo ukuze sinqumo esihle ebhange incane, kubuta: 'Singakanani ungathatha "Loan yebo kungenzeki okuningi, kodwa kudingeke ukuba sincike inani eliphansi.

Lokhu kuyiqiniso ikakhulukazi of the amaklayenti abangasebenzi. Kulezi zimo, akuvamile ukubala okwedlula ama-ruble ayizigidi ezingu-200. Kulokhu, isandla esivulekile yasebhange ngqo wakhona Isilinganiso senzalo. Lokhu kungenxa degree of ingozi isehlakalo yomuntu obolekisayo. Ngokwesibonelo, e "Gazprom" impesheni kungenzeka ancike ngesilinganiso 11%, kodwa ngesikhathi esifanayo ukwazi uthole izandla zakho phezu ruble ayibi ngaphezu kuka abayizinkulungwane 50.

Labo izakhamuzi ukusebenza, ngubani ngenxa yezizathu ezihlukahlukene ukungabaza umlando wakhe esikweletu uxhumane ebhange nge izinga eliphezulu lobuqotho, isibonelo, "Tinkoff", ungalindela lemali kuze kube ama-ruble ayizigidi 300. Kodwa ngisho noma umboleki esizayo uzokwazi ukunikeza 2-PIT bese uqinisekisa imali yabo, kubalulekile ukubala lokuthenga ngesikweletu futhi inzalo hhayi ngaphansana 39-47%.

izikhungo microfinance

I-credit bureau, kukhona izinhlobo eziningana ababoleka izindaba. Ngakho, ngokuvumelana Ukwahlukaniswa BCI, hhayi inketho okubi ubhekwa ezikhohlakele noma okubi Umlando wokukhokha kwemali. Yikuphi ebhange kungeke njengokukwethembisa kwakhe, utsheleke ababoleka ngomlando omubi wokukweleta? It kuvela ukuthi uma esimweni sokuqala, ikhasimende kwadingeka abanye amathuba nge loans ezimbi ezikhungweni ezinkulu zezimali umgwaqo uvaliwe.

Ukusiza micro-loans. izikhungo Microfinance alungele ukunikela loan, ngisho ababoleka alithembekile kakhulu. Kodwa MFIs kufanele uqaphele - akuzona zonke lawo zomthetho. Ngaphambi isicelo microloans, kufanele uqinisekise semthethweni we MFI.

Omunye nemiphumela ethile engathandeki ezinkulu ezincane-loans - High senzalo kuyinto loans ezincane kakhulu futhi mfushane eside. Kodwa kunezimo ezingahlanganisiwe akudingeki ukuba ukhethe.

Indlela ukwandisa amathuba okuthola imali-mboleko

Indlela kube njalo uma umfakisicelo ayilungele zisebenze MFIs njengoba ebolekiswe ku ebhange elikhulu futhi akuthathwa kakhulu? Abanye ochwepheshe ukweluleka ukwandisa amathuba okuthola imali-mboleko ngokuthumela izicelo inthanethi ezikhungweni abolekise amaningi. Mhlawumbe endaweni ethile umboleki iphuma lucky ithikithi.

Kodwa isiqinisekiso kangcono ukucutshungulwa bushelelezi imalimboleko sengqondo wemfanelo maqondana nesikweletu odlule, nelokuthola umsebenzi wabo siqu. Yikuphi yasebhange sizonikeza amaphesenti 100 udumo kuleli cala? Cishe noma ubani!