Imalimboleko enomlando wesikweletu esibi - imiyalo yokuthi ungathatha kanjani imalimboleko sekwephuze kuze kube usuku lokukhokha: izinyathelo ezilula eziyi-7 + amabhange angahloli umlando wesikweletu

Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Isihloko sokushicilelwa kwanamuhla ukubolekwa kwemali ngomlando wesikweletu esibi. Sizokutshela ukuthi ungayithatha kanjani imali mboleko yosuku lokukhokha nge-CI embi futhi uvule ukubambezeleka kokukhokha, futhi ucabangele namabhange angahloli umlando wesikweletu walowo obolekayo.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Ngesikhathi ufunda i-athikili eveziwe, uzofunda:

• Ungayitholaphi imalimboleko online ngomlando wesikweletu esibi;
• Yiziphi izinyathelo okufanele zithathwe ukuhlela imalimboleko kulabo abonakalise umlando wabo wesikweletu futhi babambezeleka ngokukhokha;
• Yimaphi amabhange nama-MFI angahloli umlando wesikweletu wamakhasimende.

Ekupheleni kwendatshana, izimpendulo zemibuzo ethakazelisa kakhulu zithunyelwa ngokwesiko.

I-athikili izoba wusizo kuwo wonke umuntu ofuna ukuboleka imali ngaphansi kwesimo esibi. Isikhathi yimali. Ngakho-ke, ungalahli, qala ukufunda njengamanje.

---

Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:

Isikhundla	Qhathanisa	Isikhathi sokuthatha	Inani eliphakeme	Inani eliphansi	Ubudala ukulinganiselwa	Izinsuku ezingenzeka
1	Isitoko	3 imiz.	Hlikihla ama-30,000 Hlola!	Hlikihla i-100	18-65	Izinsuku eziyi-7-21
2	Isitoko	3 imiz.	Hlikihla ama-70,000 Hlola!	Hlikihla i-2,000	21-70	Izinsuku eziyi-10-168
3		1 iminithi.	Hlikihla ama-80,000 Hlola!	Hlikihla i-1,500	18-75	Izinsuku 5-126.
4	Isitoko	4 imizuzu	Hlikihla ama-30,000 Hlola!	Hlikihla i-2,000	18-75	Izinsuku 7-30
5	Isitoko	-	Hlikihla ama-70,000 Hlola!	Hlikihla i-4,000	18-65	Izinsuku ezingama-24-140.
6		5 imizuzu.	Hlikihla i-15,000 Hlola!	Hlikihla i-2,000	20-65	Izinsuku 5-30

Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.

---

---

Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:

Isikhundla	Qhathanisa	Isikhathi sokuthatha	Inani eliphakeme	Inani eliphansi	Ubudala ukulinganiselwa	Izinsuku ezingenzeka
1		3 imiz.	Hlikihla ama-30,000 Hlola!	Hlikihla i-100	18-65	Izinsuku eziyi-7-21
2		3 imiz.	Hlikihla ama-70,000 Hlola!	Hlikihla i-2,000	21-70	Izinsuku eziyi-10-168
3		1 iminithi.	Hlikihla ama-80,000 Hlola!	Hlikihla i-1,500	18-75	Izinsuku 5-126.
4		4 imizuzu	Hlikihla ama-30,000 Hlola!	Hlikihla i-2,000	18-75	Izinsuku 7-30
5		5 imizuzu.	Hlikihla i-15,000 Hlola!	Hlikihla i-2,000	20-65	Izinsuku 5-30

Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.

---

Funda ngokuthi ungayithatha kanjani imali mboleko ngokuphuthumayo ngomlando wesikweletu esibi futhi uvule ukubambezeleka kokukhokha, izinhlangano zezikweletu ezingabheki i-CI yababoleki futhi zinikeze imali mboleko ngaphandle kokwala - funda kulo magazini

1. Yini okufanele uyenze uma udinga ukuthola imali mboleko yemali ekhokhwayo yosuku lokukhokha ngomlando omubi wesikweletu? 💡

Umuntu wanamuhla uhlangabezana nezimo ezingalindelekile njalo. Amaholo abambezeleka, imoto yaphuka, imali yayidingeka emithini - konke lokhu kungadala ukufuna izinketho zemalimboleko. Isimo singaba nzima kakhulu uma umlando wesikweletu wonakaliswe kabi.

Uma udinga inani elincane isikhathi esifushane - ngokoqobo izinkulungwane ezingama-5-10 ngaphambi komholo (amasonto ambalwa), kunengqondo ukunaka lokho okuthiwa microloans... Ungathola inani elincane ngale ndlela ehhovisi lombolekisi kungaba ngqo nge-Intanethi ngokudlulisela ekhadini lasebhange. Sesivele sichaze ngokuningiliziwe ukuthi ungayithatha kanjani i-microloan ekhadini ngaphandle kokwenqaba ngomlando wesikweletu esibi ngokushesha kule ndatshana.

Namuhla kunikezwa izinsizakalo ezifanayo izinhlangano zezimali ezincane (MFO)... Isidingo esikhulu semalimboleko enjalo siholele ekwandeni kwenani lezinkampani ezikhipha emakethe. Uhlu lwama-MFOs akhipha imalimboleko emincane online ekhadini ubusuku nemini kulo lonke elaseRussia lungatholakala kuwebhusayithi yethu.

Abaningi babheka ama-MFIs njengesimo esibi emnothweni, becaphunaInzalo eyeqisayo... Kepha ngokusetshenziswa okufanele kwama-microloans, angasiza ukuphuma esimweni esinzima.

Ngokubala okulungile nokwenziwa kwenkontileka yenani eliphansi, kanye nokukhokhwa kwesikweletu ngokushesha okukhulu, inani lenzalo lingabonakala lingabalulekile uma liqhathaniswa nezinzuzo zokutholwa kwemali okuphuthumayo. Ngaphezu kwalokho, i-microloan ingenye yezindlela ezimbalwa zokuthola imali ezikweletini. kuncike esikweletini esibi.

Inkokhelo enkulu ngokweqile ingachazwa kalula nje - le ukuphela kwendlela ama-MFIs aqinisekisa ngayo ubungozi bawo. Amanani enzalo aphezulu kuphela avumela lezo zinhlangano ukuthi zisebenze nababoleki abanomlando wesikweletu owonakele ngokungenathemba.

Izinga lenzalo ephezulu livumela i-MFI ukuthi ibeke izimo ezihehayo:

• ububanzi obubanzi bababoleki - izakhamizi zingafaka isicelo semalimboleko kusukela eminyakeni engu-18 kuze kube sekugugeni okuvuthiwe;
• azikho izitifiketi, ama-guarantors, isibambiso noma amanye amadokhumenti adingekayo;
• ukubhaliswa cishe okusheshayo - cishe ngesikhathi 15 imizuzu;
• ukwamukela imali ubusuku nemini, izinsuku eziyisikhombisa ngesonto;
• ukucubungulwa kwemali mboleko nokuhoxiswa kwezimali kumodi eku-inthanethi;
• asikho isidingo sokuqinisekisa ukuba semthethweni kokuqashwa;
• isilinganiso semvume ephezulu - cishe 95% yazo zonke izinhlelo zokusebenza, cishe akunakwenzeka ukwaliwa

2. Ungayitholaphi imalimboleko ephuthumayo ngaphandle kokwenqatshwa ngomlando omubi wesikweletu online - Ababolekisi be-TOP-7 abanikela ngezimo ezinhle kakhulu 📑

Imali mboleko ephuthumayo ingahlelwa njenge kuma-MFIsfuthi emabhange... Usebenzisa izinhlelo ezinjalo, ungathola imali oyidingayo ngokushesha okukhulu ngokunikeza ubuncane bamadokhumenti. Kubhekwe ngezansi 7 izinhlangano ezinikela ngezimo ezinhle kakhulu ze-microcredit.

1) 24 Ezezimali

Inkampani 24 Ezezimali isebenza enhlokodolobha nangaphezulu. Lapha ungathola imali mboleko ephuthumayo ngosayizi kuze kufinyelele ku-15,000 ruble... Ukufaka isicelo, udinga ipasipoti kuphela. Imalimboleko inikezwa abantu asebekhulile 21-65 iminyaka. Ukubhalisa kuzothatha hhayi ngaphezulu Imizuzu engu-15.

Isikweletu sikhokhiswa inzalo ngokwezinga lansuku zonke 2%. Izimali kumele zibuyiselwe ngaphakathi 28 izinsuku. Uma kungenakwenzeka ukukhokha imali mboleko ngesikhathi, ungasebenzisa insizakalo ukuvuselelwa.

2) Opti-Imali

Lapha ungathola i-microloan enanini kufika kuma-ruble angama-30,000... Isikhathi esiphezulu lapho udinga ukufeza izibopho zakho - unyaka owodwa... Imali yokusebenzisa imali ngu 2% ngosuku. Faka isicelo ku- Opti-Imali kungaba nomuntu ophendukile 18 iminyaka. Kusukela ngesikhathi sokubhaliswa kwayo kuze kube yilapho itholwa imali, hhayi ngaphezulu Imizuzu eyi-10.

Le nkampani inenani elikhulu labalingani emakethe yezinsizakalo zokukhokha. Ngenxa yalokhu, obolekayo angakhetha indlela elula yokubuyisa imalimboleko kusuka kunani elikhulu labahlongozwayo. Ungakhokha egatsheni eliseduze lenkampani, ngemali ye-elekthronikhi, kusuka ekhadini lasebhange.

3) Imali ephuthumayo

Ukufaka isicelo semalimboleko ku- Imali ephuthumayo kuzodingeka umbhalo owodwa - ipasipoti noma okunye okufanayo... Ngesikhathi sokukhipha imali mboleko, umfakisicelo kumele okungenani abe nayo 21 iminyaka ingasekho 70 iminyaka. Ngemuva kokuthi kuthunyelwe isicelo, umphathi wemalimboleko uzosibuyekeza. Kuzothatha hhayi imizuzu engaphezu kwengu-5... Uma kwenzeka isinqumo esifanele, ungathola imali ehhovisi eliseduze lenkampani noma ekhadini elivulwe kunoma yiliphi ibhange.

Usayizi wemali mboleko ungakhethwa kusuka kububanzi kusuka ku-1 000 kuya ku-30,000 ruble... Imalimboleko ikhishwa ngombandela wokuthi imali ekhokhwayo isamba sika 2% ngosuku.

Kuzofanele ufake imali ukukhokha isikweletu ngaphakathi 16 izinsuku. Uma kungenzeka ngaphambilini, iphesenti lizobalwa kabusha. Ezimweni lapho imali mboleko ingenakukhokhwa ngesikhathi, inkampani ikuvumela ukuthi uyisebenzise insizakalo yokwengeza imali mboleko.

4) Imali esheshayo

Ngokubambisana Fastmoney ungathola imali mboleko ephuthumayo enanini kusuka kuma-ruble angu-3 000 kuya ku-35,000... Izinga lansuku zonke lizovela kusuka 1,3 ngaphambi 2 iphesenti. Inani eliqondile lenzalo linqunywa ngesikhathi kucatshangelwa isicelo, esithathayo cishe imizuzu eyi-15.

Imalimboleko ikhishwa isikhathi esithile 31 usuku. Uma ufisa, ekugcineni kwayo, ungasebenzisa inkonzo yokuvuselela.

5) Promsvyazbank

Kuleli bhange, ngaphezu kwezinsizakalo ezejwayelekile zezezimali, unga-oda isivumelwano semalimboleko yesikhathi... Ngokungafani neminye imikhiqizo yezikweletu, kulokhu, ngisho nalabo abanomlando wesikweletu owonakele bangathola imvume.

Imalimboleko lapha ingakhishelwa leyo mali kufika kuma-ruble angama-300,000... Kulokhu, isilinganiso sizoba 35% ngonyaka. Inqubo yokwamukela imali ingenziwa lula kakhulu. Kulokhu kufanele ukhiphe ikhadi le-Promsvyazbank, lapho inani lemali mboleko lizodluliselwa kulo.

6) Sovcombank

ISovcombank inikezela ukusebenzisa uhlelo Express Plus... Ikuvumela ukuthi uthole imali mboleko ngosayizi kufika kuma-ruble angama-30,000... Ukuze wenze lokhu, udinga ukwethula idokhumenti eyodwa kuphela - ipasipoti... Isikhathi semalimboleko enjalo asidluli unyaka owodwa. Ukucatshangelwa kwesicelo kwenziwa ngosuku lokufakwa kwalo.

Ngaphansi kwemigomo yohlelo lwesikweletu, asikho isidingo sokunikeza ibhange isitatimende semali engenayo, kanye nokuheha abaqinisekisi. Kodwa-ke, ukusetshenziswa kwezinsimbi ezengeziwe zobufakazi be-solvency kungakhuphula amathuba okuvunyelwa, futhi kutholakale imigomo evumayo kwisikweletu.

7) I-Bank Orient Express

Kunamagatsha aleli bhange emadolobheni amaningi aseRussia. Ngaphandle kweziqinisekiso nezitifiketi zemali engenayo, lapha ungathola imalimboleko enanini le- kusuka kuma-ruble angama-25,000 kuya ku-200,000... Kuyadingeka ukukhokha imalimboleko esheshayo ngaphakathi 3 izinyanga.

Isikhungo sezezikweletu sikuvumela ukuthi ufake isicelo semalimboleko online. Isinqumo ngakho senziwa kungakapheli imizuzu engu-5... Noma ngubani ophendukile 26 iminyaka.

Ngokuqhathanisa okubonakalayo kwemali mboleko ebhekiwe, imininingwane emayelana nayo ifingqiwe etafuleni:

№	Obolekayo	Usayizi wemali mboleko, ama-ruble ayizinkulungwane	Ubudala obukhona bomboleki	Isikhathi semali mboleko	Linganisa
1.	24 Ezezimali	2-15	Iminyaka engu-21-65 ubudala	Izinsuku eziyi-7-28	2% nsuku zonke
2.	Opti-Imali	Kuze kube ngu-30	Uneminyaka engu-18-70 ubudala	Kuze kube unyaka ongu-1	2% nsuku zonke
3.	Imali ephuthumayo	1 kuye ku-30	Uneminyaka engama-21-70 ubudala	Izinsuku 3-16	2% nsuku zonke
4.	Fastmoney	3 kuye ku-35	Iminyaka engu-18-65 ubudala	Izinsuku eziyi-7-31	1.3-2% nsuku zonke
5.	Promsvyazbank	Kuze kube ngu-30	Iminyaka engu-21-65 ubudala	Izinsuku ezingama-324	1.8% nsuku zonke
6.	Sovcombank	5 kuye ku-30	Iminyaka engu-21-65 ubudala	Kuze kube unyaka ongu-1	Kusuka ku-25% ngonyaka
7.	I-Orient Express Bank	25 – 200	Uneminyaka engama-26-65 ubudala	Iminyaka engu-1-3	Kusuka ku-20% ngonyaka

Ngale ndlela, uma wonke amabhange nama-microloans enqaba ukukunikeza imalimboleko, siphakamisa ukuthi sifunde i-athikili yethu ethi "Ungayitholaphi imali njengamanje - izindlela ezifakazelwe."

3. Kungenzeka yini ukuthola imali mboleko yalabo abangasebenzi abanomlando omubi wesikweletu? 📄

Namuhla, imakethe yezezimali yaseRussia inethuba lokuthola imalimboleko ngisho nakwalabo abangenawo umsebenzi osemthethweni futhi abakwazi ukonakalisa umlando wabo wesikweletu. Kepha kulokhu, ngokunokwenzeka, amabhange azokwaliwa.

Ngakho-ke, kuzodingeka uxhumane izinhlangano zezimali ezincane... Iqiniso ukuthi abenzi isheke elinjalo lababolekayo njengezinye izikhungo ezibolekisa. Kepha uma ufisa, ungathola futhi amabhange avumayo ukusebenzisana nababoleki abathandekayo.

Kubalulekile ukuqonda ukuthi ezikhungweni zezimali ezincane, izimo zemalimboleko zihlala zikhona Ngaphansi kunenzuzo kunamabhange.

Kodwa-ke, kuyimali mboleko evela ku-MFI okuwukuphela kwendlela yokunqoba izinkinga zezezimali lapho kungekho mali esemthethweni noma umlando omubi wesikweletu.

Lapho ufaka isicelo semalimboleko ezinhlanganweni zezimali ezincane, kufanele uzilungiselele ukuthola amaphuzu alandelayo:

• amanani aphezulu;
• inani elincane lemalimboleko nesikhathi;
• kwezinye izimo, isidingo sokuheha abaqinisekisi noma ukuhlinzeka ngempahla njengokuvikeleka.

Amanani enzalo aphezulu kuhlotshaniswa nobungozi obandayo umboleki abuthathayo uma kwenzeka ebambisana nomboleki owake wenza ubugebengu obukhulu bemalimboleko.

Ngokwenyusa isilinganiso, umbolekisi ukhawulela ukulahleka okungaba khona lapho kwenzeka iphutha lokubolekwa kwemali mboleko. Futhi, ingozi enkulu iholela ku- isikhathi esifushane semalimboleko futhi inani elincane.

Umhlahlandlela wesinyathelo ngesinyathelo sokuthi ungathatha kanjani imali mboleko yemali ngomlando wesikweletu esibi nokubambezeleka ekhadini, kwi-akhawunti noma kukheshi

4. Ungayithola kanjani imalimboleko ngomlando wesikweletu esibi nokukhohlakala okuvulekile ngezinyathelo ezilula eziyi-7 - imiyalelo enemininingwane

Kulabo abathatha imalimboleko esheshayo okokuqala ngqa, kungaba nzima ukuthola ukuthi yiziphi izinyathelo nokuthi yiziphi izinqubo okufanele zithathwe. Ngakho-ke, okulandelayo kunemininingwane eminingi imiyalo yesinyathelo ngesinyathelo, ezosiza ukuqonda le nkinga enzima.

Isinyathelo 1. Ukukhetha umbolekisi nemigomo yemalimboleko

Ukukhetha inkampani lapho kuzokhishwa khona imali mboleko, kubalulekile ungaweli ekuzingeleni kokukhwabanisa. Ukugwema lokhu, kufanele uhlaziye ngokucophelela imisebenzi yababolekisi. Kungabhekwa uphawu lokuthembeka isikhathi eside somsebenzi, futhi inani elikhulu lokubuyekezwa okuhle.

Lapho ukhetha izimo ezifanele zokuboleka, kubalulekile ukunaka izinkomba ezilandelayo:

• isikhathi esiphezulu semalimboleko;
• isilinganiso (kubalulekile ukunaka isikhathi esikhonjiswe iphesenti - usuku, inyanga, unyaka);
• kuyadingeka yini ukuthatha umshwalense;
• ingabe akhona amanye amakhomishini;
• kungenzeka yini ukuthi ubuyisele imali mboleko ngaphambi kwesikhathi esimisiwe ngokubalwa kwenzalo;
• noma ngabe kungenzeka yini ukwelula isikhathi semalimboleko.

Abantu abaningi bakholelwa ukuthi indinganiso eyinhloko lapho ukhetha imalimboleko yile isilinganiso senzalo... Kodwa-ke, kukhona ezinye izindlela ezithinta izindleko zemalimboleko. Ngakho-ke, ukunakwa okukhulu kakhulu kufanele kukhokhwe wokukhokha ngokweqile kokugcina.

Isinyathelo 2. Ukubhaliswa kwesicelo

Ngemuva kokukhetha imali mboleko, kufanele ufake isicelo sokubhaliswa kwayo. Imvamisa iqukethe imininingwane eyisisekelo mayelana nalowo obolekayo ongaba khona. Okokuqala kunqunyelwe lapha Igama eligcwelekanye nokufiswa okuyinhloko imibandela yemalimboleko – isikhathi futhi isamba.

Kuyafaneleka ukubheka ukuthi ababoleki abangafakazela ubu-solvency babo kumele bakwenze lokhu esigabeni sokufaka isicelo.

Ungakhombisa indawo osebenza kuyo manje, oxhumana nabo bomqashi. Kuzoba wusizo ukunamathisela ukuskena kwedokhumenti okuqinisekisa izinga lemali engenayo kuhlelo. Le ndlela yandisa amathuba esinqumo esihle.

Isinyathelo 3. Ukukhetha indlela yokwamukela imali

Isinyathelo sokugcina sokufaka isicelo semalimboleko kufanele sikhombise ukuthi iyiphi indlela engcono yokuthola imali.

Kunezindlela eziningi ongakhetha kuzo zokuthola imali mboleko:

1. Ekhadini lasebhange. Le ndlela ingenye elula kakhulu. Ikuvumela ukuthi uthole imali ngaphandle kokushiya ikhompyutha yakho. Kwanele ukukhombisa inombolo yekhadi kuhlelo lokusebenza, futhi ngemuva kokuvunywa kwalo, emizuzwini embalwa izimali zizodluliswa. Sivele sikhulume ngokuthi ungathatha kuphi imali mboleko online ekhadini ngaphandle kokuhlolwa okuphuthumayo ku-athikili edlule.
2. Esikhwameni esikhwameni esikhokhelwa ngogesi. Kulokhu, imali nayo izotholwa ngemizuzu embalwa. Funda ngemalimboleko eku-inthanethi ku-Qiwi wallet endatshaneni ehlukile kumagazini wethu.
3. Imali. Ukuze usebenzise le ndlela yokwamukela imali, kuzofanele uye ehhovisi lombolekisi. Kukhona enye inketho - ukushayela ikhuriya noma ihhovisi (ikakhulukazi le sevisi ikhokhwe). Kukhona i-athikili ehlukile kuwebhusayithi yethu echaza ngokuningiliziwe ukuthi ungasithola kanjani ngokushesha isikweletu semali nokuthi yiziphi izinkampani ezihlinzeka ngemalimboleko ebonakalayo ku-inthanethi.

Isinyathelo 4. Ukulinda ukuphela kokucutshungulwa kwesicelo

Imvamisa, akuthathi isikhathi eside ukulinda isinqumo sombolekisi. Kuthatha cishe imizuzu engu-5-10... Lapho kuphela isikhathi sokucatshangelwa, isinqumo se-MFI siza umakhala ekhukhwini, futhi imeyili... Ngaphezu kwalokho, izinkampani eziningi zinikeza amandla okulandela isimo sohlelo lokusebenza ku-akhawunti yakho yomuntu siquivulwe kuwebhusayithi yakhe.

Isinyathelo 5. Ukuqinisekiswa kwesifiso sokuthola imali mboleko

Uma kutholwa isinqumo esifanele kwisicelo, uzodinga ukuqinisekisa isifiso sakho sokuba ngumboleki. Ukuze wenze lokhu, vele ufake inkambu efanele faka ikhodikuchazwe ku- ama-sms-imilayezo.

Kufanele kukhunjulwe ukuthi lapho ufaka isicelo semalimboleko online, lezo zenzo zilingana nokusayina isivumelwano. Lokho kusho ukuthi, obolekayo uyavumelana nemibandela yakhe.

Isinyathelo 6. Ukuthola imali

Ngemuva kokuthi yonke imigudu yenziwe, umboleki uzodluliswa imali. Izinga lokutholwa kwabo linqunywa yizinto eziningi. Kepha kaningi kunalokho, imali iza hhayi ngaphezulu kuka emva kwengxenye yehora.

Uma kwenziwa isinqumo sokuthola imali ngokheshi, kuzofanela uqondise uhambo oluya ehhovisi lenkampani nabasebenzi bayo. Sibhale ngokuningiliziwe ngokuhlinzeka ngemalimboleko engukheshi kumagazini odlule.

Isinyathelo 7. Ukubolekwa kwemali mboleko

Ukusetshenziswa kwemali mboleko kusho ukugcwaliswa kwezibopho ezithathiwe... Imalimboleko kufanele ikhokhwe kungakabi yisikhathi esinqunyiwe esichazwe kwinkontileka. Akufanele uvumele ubugebengu, obungenza isimo sibe sibi ngomlando wesikweletu owonakele.

Ngasikhathi sinye, ukukhokha isikweletu sakho ngesikhathi kusiza ekuthuthukiseni idumela lakho. Ngenxa yalokhu, obolekayo ngokuzayo angathembela kwimibandela yokubolekwa evumayo.

Kunendatshana ehlukile kuwebhusayithi yethu yokuthi ungayithola kanjani imalimboleko yemoto enomlando wesikweletu esibi - sikucebisa ukuthi uyifunde.

5. Yimaphi amabhange angahloli umlando wesikweletu walowo obolekayo - Amabhange we-TOP-5 angahloli i-CI 📊

Uma unezinkinga ngomlando wakho wesikweletu, amathuba okuthola imali mboleko akhona lapho ufaka isicelo kwi-MFO. Kodwa-ke, kunamabhange amaningi angahloli isithunzi sababolekayo noma umlando wabo wesikweletu awunandaba. Kufanele uzame ukufaka isicelo semalimboleko kulezi zinkampani, ngoba amabhange anezimo ezinhle kakhulu kubabolekisi.

Ngakho-ke, yimaphi amabhange angahloli umlando wesikweletu:

1) Izinga laseRussia

IRussian Standard yibhange ngokwesiko elisebenzisana nababoleki abanomlando omubi wesikweletu. Kukhona ithuba lokuthola imalimboleko ngenani le- kusuka kuma-ruble angu-3 000 kuya ku-300,000... Kepha kufanele kukhunjulwe ukuthi kulabo abafaka isicelo semalimboleko eRussia Standard okokuqala, inani laso lizokhawulelwa.

Isikhathi esiphezulu semali mboleko ekhishwe lapha yile 2 konyaka, ubuncane - 3 izinyanga... Kudingeka ubuncane bemibhalo ukufaka isicelo. Lokhu kuvamise ukuba yiphasipoti kanye nomazisi wesibili.

2) I-Sovcombank

ISovcombank ilungele ukunikeza obolekayo ongaba khona izinhlelo eziningi ezikhangayo. Enye yemalimboleko enhle kakhulu iyabhekwa Veza plus... Ngokuya ngemigomo yayo, ungathola kusuka kuma-ruble angu-5 000 kuya ku-40,000 kuze kube unyaka nohhafu. Kulokhu, isilinganiso semalimboleko sizoba cishe ngama-29.9% ngonyaka.

Akungabazeki plus Izinhlelo ukungabi khona kwesidingo sokubhala imali engenayo, kanye nokuhlinzeka ngokuphepha. Ngaphezu kwalokho, ngokukhokhwa kwemali mboleko ngesikhathi esifanele, kunethuba lokwehlisa izinga ngo 5%.

3) Isikweletu Sasekhaya

Leli bhange belisebenza ezimakethe zaseRussia kusukela ngonyaka wezi-2002. Ngalesi sikhathi, akakwazanga nje kuphela ukudala isisekelo esibanzi samakhasimende, kepha futhi wakhulisa nokunikezwa kwemali mboleko okulingayo.

Lapha ungathola isikweletu semali kusuka kuma-ruble ayi-10 000 kuya ku-30,000... Kufanele ikhokhwe ngokuphelele ngonyaka owodwa... Izinga lenzalo yaminyaka yonke kulelo mboleko yileli 19,9%. Uma uthatha ngokungathí sina ukubuyiselwa kwemali mboleko futhi uyenze ngesikhathi, ungathembela ekuthuthukiseni izimo zesikweletu.

4) Isikweletu se-Renaissance

KwaRenaissance Credit kunethuba lokuthola imalimboleko usebenzisa olunye lwezinhlelo eziningi zemalimboleko. Lapha ungathola Ama-ruble angama-30,000, inzalo izoba 15,9 minyaka yonke.

Isikhathi sokuboleka sincike ohlotsheni lohlelo olukhethiwe. Kungaba kububanzi kusuka eminyakeni emi-2 kuye kwengu-5... Ukuba lula kwebhange leklayenti kuxhomeke ekhonweni lokufaka isicelo ngokushesha semalimboleko online.

5) Ibhange le-B & N

IB & N Bank ithembekile kwizakhamizi ezinomlando ongemuhle wesikweletu. Ngisho nababoleki abanjalo banethuba lokuthola imalimboleko ngemibandela evuna kakhulu.

Inani elinikelwe lapha ngu kusuka 100 000 ngaphambi 1 000 000 ama-ruble... Kulokhu, isilinganiso singu 16,5% ngonyaka. Isikhathi esiphezulu lapho isivumelwano semalimboleko singaphothulwa ngaso 7 iminyaka. Okudonswa yibhange kuphela ukucubungula isikhathi eside kwesicelo - kuze kube yizinsuku ezi-4.

Ngokuqhathanisa okulula kakhudlwana, wonke amabhange abhekiwe athulwe etafuleni:

№	Inhlangano yezikweletu	Inani lemali mboleko, ama-ruble	Linganisa,% ngonyaka	Ithemu
1.	Indinganiso yaseRussia	3 000-300 000	47,89	Izinyanga ezi-3 kuye eminyakeni emi-2
2.	Sovcombank	5 000-40 000	29,9	1.5 iminyaka
3.	Isikweletu Sasekhaya	10 000-30 000	19,9	1 unyaka
4.	Isikweletu se-Renaissance	30 000-500 000	15,9	Iminyaka 2-5
5.	Ibhange le-B & N	100 000-1 000 000	16,5	Iminyaka engu-7

Kukhona i-athikili ehlukile kuwebhusayithi yethu esitshela ngokuningiliziwe ukuthi yiliphi ibhange elingcono ukuthatha imali mboleko yabathengi ngenzalo ephansi - sincoma ukuyifunda.

6. Ungawandisa kanjani amathuba okugunyazwa kwemali mboleko engukheshi noma ekhadini elinomlando wesikweletu ongemuhle kuze kufike kumaphesenti ayikhulu (100%) - amathiphu namasu awusizo 💎

Imakethe yezimali yesimanje ihlukaniswa ngenani elikhulu lokunikezwa kokubolekisa. Ngakho-ke, kuhlale kunokwenzeka ukuthi uma inhlangano eyodwa yenqaba ukukhipha imali mboleko, enye izothatha isinqumo esihle ngesicelo.

Kepha uma imali idinga ukwamukelwa ngokushesha okukhulu, udinga ukwenza yonke imizamo yokuthola imvume okokuqala.

Ababoleki abanomlando wesikweletu esingesihle banganikezwa Nawa amanye amathiphu okwandisa ithuba lakho lokuvunywa:

1. Isicelo kufanele sithunyelwe ezinkampanini eziningi zezikweletu ngasikhathi sinye. Lokhu konga isikhathi esiningi. Ukulinda isinqumo kuzokwenzeka ngasikhathi sinye. Uma ukuvunyelwa kuvela kubabolekisi abaningana, kuzokwanela ukukhetha eyodwa enezimo ezinhle kakhulu zokuboleka.
2. Kuyafaneleka ukukhathazeka ngokuthola umqinisekisi kusengaphambili. Imali mboleko eqinisekiswe ngumuntu wesithathu ayigcini nje ngokuba sethubeni elingcono lokuvunywa, kepha futhi inamathuba amaningi okuthola imigomo engcono.
3. Uma kungenzeka, qinisekisa ukuthi u-solvency. Ukunikezwa kwesitatimende semali engenayo kungakhuphula kakhulu amathuba okuvunywa kwesicelo.
4. Sebenzisa wonke amathuba ukuthuthukisa umlando wakho wesikweletu.Labo abafisa ukuthola imali mboleko ngokuzayo kufanele basebenzise izinqubo ezithuthukisa idumela labo njengababoleki.

7. Ukukhwabanisa ngezikweletu - ungakugwema kanjani ukuba isisulu senkohliso

Namuhla, baningi kakhulu abazama ukuthola imali ngezimo ezinzima zabanye abantu. Muva nje, inani elikhulu le- abakhwabanisiabafuna ukwenza imali ngokusizakala ngokungafundi kwezezimali kwabantu baseRussia.

Amathiphu awusizo wokuthi ungakugwema kanjani ukubanjwa ngabakhwabanisi besikweletu

Kulabo ababhekene nokunikezwa kwemibandela yemalimboleko evumayo kakhulu, ungathembi ngamehlo engqondo umbolekisi... Ngokuphambene nalokho, ezimweni ezinjalo kufanele uqaphele. Akunandaba ukuthi umnikelo onenzuzo ulandele ukuthi ngubani - kusuka kumthengisi wemalimboleko, umuntu wangasese noma Ama-IFIs, izimo ezithandekayo zingenye zezimpawu zokukhwabanisa. Sine-athikili ekhethekile emayelana nemalimboleko evela kubantu ngokungayitholi - ungayifunda.

Iqiniso ngukuthi ukukhokhwa ngokweqile kwemali mboleko akuxhomekile kunani lenzalo kuphela. Imibandela yokubhaliswa kwayo ingaqukatha izinkokhelo ezengeziwe njengoba umshuwalense, izinhlawulo zokukhokha kusenesikhathi kanye nezinye izimali ezikhokhwayo.

Ngaphambi kokusebenzisa izinsizakalo zesikhungo sesikweletu, kufanelekile ukuqoqa imininingwane eminingi ngakho ngangokunokwenzeka. Udinga ukuthola ukuthi ngabe unayo ilayisense yomsebenzimingaki iminyaka ikhona. Kuyasiza futhi ukutadisha ukubuyekezwa kwamakhasimende... Uma kukhona amaqiniso okukhwabanisa ezenzweni zombolekisi, ngokuqinisekile kuzoba nemibono engemihle yababolekisi.

Kubalulekile ukuqondaukuthi imfuneko yokwenza inkokhelo kusengaphambili NGAPHAMBI ukuphothulwa kwenkontileka akukho emthethweni. Ngisho nokukhokhwa kwemali mboleko ebanjisiwe noma yemalimboleko yemoto kwenziwa kuphela ngemuva kokusayinwa kwezivumelwano ezidingekayo.

Imvamisa, kuyadingeka ukuthi ukhokhe imali yesevisi ngaphambi kokuthola imali mboleko abathengisi abamnyama... Izinkampani ezinikeza usizo lwangempela ekutholeni imalimboleko zithola inkokhelo ngezinsizakalo zazo lapho kuphetha isivumelwano semalimboleko.

8.Imibuzo Ebuzwa Njalo (FAQ) 💬

Ukuthola imali mboleko ngomlando wesikweletu esibi - inqubo ayilula... Ngakho-ke, kuphakamisa inani elikhulu lemibuzo. Sizozama ukuqhubeka nokuphendula lezo ezivame ukuthinta ababoleki besikhathi esizayo.

Umbuzo 1. Ngabe likhona ithuba lokubolekwa kwemali yempesheni enomlando omubi wesikweletu?

Umlando ongemuhle wesikweletu kuma-MFIs amaningi akusona isizathu sesinqumo esingalungile mayelana nesicelo semalimboleko. Eziningi zalezi zinhlangano zikhipha imali cishe ngokungenaphutha, okuyinzuzo enkulu yokuhlanganiswa kwamakhasimende ngamakhasimende.

Phakathi kwezinhlangano ezithandwa kakhulu ngezimali ezincane yilezi:

• Imali esheshayo;
• Thembeka;
• Kredito24;
• I-VIVA;
• ImaliMan;
• Imali Yasekhaya;
• E Imalimboleko.

Phakathi kwezigaba zamakhasimende anethuba lokuxazulula isimo esinzima sezezimali ngokusebenzisa i-microcredit, noma ngabe enedumela elibi, kukhona futhi abahola impesheni... Kulokhu, kwanele ukuthumela isicelo nge-Intanethi bese ulinda isinqumo esihle ngaso.

Sibhale ukuthi ungasithola kanjani futhi kuphi isikweletu esihle kakhulu futhi esinenzuzo enkulu kubantu abahola impesheni kolunye lwezincwadi zethu zangaphambilini.

Umbuzo 2. Ngabe kunengqondo ukuthatha imalimboleko engu-60,000 - 100,000 - 200,000 - 250,000 - 300,000 - 1,000,000 ruble nge-CI embi?

Wonke umuntu angangena esimweni esinzima esidinga izindleko ezibalulekile zezezimali. Kufanele kuqondwe ukuthi imvamisa lapho ufaka isicelo semalimboleko, indima enkulu idlalwa ngu umlando wesikweletu... Nguyena ezinhlanganweni eziningi ezikhipha imali mboleko uyinkomba yokuxazululeka kwalowo obolekayo.

Hhayi wonke umuntu amabhange ngiyavuma ukusebenza nababoleki abake bafeza izibopho zabo zemalimboleko ngokwethembeka. Ngasikhathi sinye, eziningi Ama-IFIs ngiyavuma ukuhlangana namakhasimende anjalo.

Kufanele kukhunjulwe ukuthi noma iyiphi inhlangano yemali encane ihlola isithunzi salowo obolekayo esikhathini esizayo. Ukuthi nje iningi labo likushalazelela ukuba khona kwezinkinga naye. Funda ngokuthi ungazihlola kanjani umlando wakho wesikweletu kwenye yezindatshana zethu.

Kunoma ikuphi, le mikhakha elandelayo yamakhasimende kungenzeka ukuthi ivunyelwe ukubolekwa imali:

• ukuba nomlando wesikweletu osezingeni eliphakeme;
• phambilini bebengababoleki bama-MFIs.

Kubalulekile ukuqonda ukuthi ngomlando wesikweletu esibi, kunzima ukuthola inani elikhulu lesikweletu. Uma ufuna ukufakwa ku- Ama-IFIs kufanele unake inani elikhulu lemalimbolekookungajwayelekile ukudlula 50 izinkulungwane ruble.

Noma kunjalo, kungenzeka ukuthola inani elikhulu lesikweletu. Kepha kuzodinga umzamo omkhulu.

Indlela yokuqala okwenziwe ngokusemthethwenienii kwimalimboleko yeMFO ye- ubuncane isamba... Imvamisa ayidluli 10 000 ama-ruble. Uma ikhokhwe ngempumelelo, ungathembela enanini elikhulu. Ngakho-ke igxathu negxathu ongafinyelela kulo kancane kancane ngaphambi esiphezulu usayizi imali mboleko enikezwa yi-MFI esetshenziswayo.

Uthola kuphi imali mboleko enkulu ngomlando wesikweletu esibi?

Phakathi kwezinkampani ezisebenza ngemali mboleko enkulu, okulandelayo kungahlukaniswa:

• Imali mboleko - isamba esiphezulu singama-ruble angama-200,000;
• CR 911 - izikweletu ezifika kuma-ruble ayizinkulungwane eziyi-100;
• I-Onezaim - ruble esiphezulu 100,000;
• Ezezimali Zenyunyana uboleka kuze kufinyelele eziyizinkulungwane eziyikhulu ruble.

Kundatshana ehlukile, siphinde sabhala ukuthi yimaphi amabhange anikeza imali mboleko enomlando wesikweletu esibi nokubambezeleka ngenani eliphansi lenzalo.

Inketho yesibili ukuzama lungisa umlando wesikweletu... Inqubo yinde. Kepha umphumela wakho kungaba ukuvunywa kwemali mboleko emabhange, okusho ukuthi hhayi izimo ezithandekayo kuphela, kepha nenani lemalimboleko eliphakeme.

Kunezeluleko eziningana zokulungisa umlando wakho wesikweletu:

• Faka isicelo kaningana bese ukhokha imalimboleko encane ngesikhathi. Ngasikhathi sinye, umuntu kufanele alungele iqiniso lokuthi akubona bonke ababolekisi abazovuma isicelo esifakiwe. Ngaphezu kwalokho, imigomo yokubolekwa kwemali ngeke izuze.
• Khokha imali mboleko ngaphambi kwesikhathi, esabalalisa imali engenayo ngendlela yokuthi kube nokwenzeka ukwenza inani elikhulu ukukhokha isikweletu. Ngale ndlela ungazibonakalisa njengomboleki onomthwalo wemfanelo.
• Thola ikhadi lesikweletu ngomkhawulo omncane futhi ulusebenze kahle. Ukubuyisa ngokushesha izimali ezibolekwe kuzogwema izindleko zenzalo. Ngasikhathi sinye, le ndlela ingaholela ekwandeni komkhawulo wesikweletu. (Sikhulume ngokuthi silithola kanjani ikhadi lesikweletu elinomlando omubi wesikweletu phambilini kwenye yezinkinga zethu).
• Uma kukhona ukubambezeleka, akufanele ucashe kumbolekisi. Imvamisa, inkinga ingaxazululwa ngokuthula, okungeke kube nomthelela omkhulu kumlando wesikweletu.

Futhi kufanele kukhunjulwe ukuthi imininingwane evela emlandweni wesikweletu isuswa kuphela eminyakeni engu-15... Ngakho-ke, kufanele kwenziwe yonke imizamo yokuqinisekisa ukuthi ulwazi lwakamuva oluqukethe luhle.

Umbuzo 3. Ubani ongasiza ababoleki abanomlando omubi wesikweletu ekutholeni imalimboleko?

Uma ukwenqatshwa kwezicelo zemalimboleko kulandelwa ezikhungweni eziningi zezikweletu, akufanele ulahle ithemba.

Ungakhuphula ithuba lokuthola imalimboleko ngokuxhumana nezinkampani ezikhethekile:

1. Abadayisi Bezikweletu - abalamuli phakathi kombolekisi nomboleki abasiza ukuthola imvume yesicelo semalimboleko. Izinkampani ezinjalo azihlinzeki ngeziqinisekiso zokuvunywa, kepha ithuba lokuzithola liyakhula. Ngaphezu kwalokho, iningi labashintshi linesivumelwano nababolekisi, ngenxa yokuthi imali mboleko ikhishwa ngabo ngemibandela evumayo.
2. Abeluleki bezezimali ungasizi kuphela ekutholeni imali mboleko. Babuye beluleke ngamadiphozithi nokuhlelwa kwezezimali.
3. Isuphamakethe yezezimali - inkampani enikeza uhla oluphelele lwezinsizakalo zezezimali. Lapha ungathola ukunikezwa kwemalimboleko, idiphozi, umshwalense ovela kwinani elikhulu lamabhange nama-MFIs.

Usizo lwezinkampani ezikhethekile lumi kanje:

• ukutadisha yonke imininingwane yokubolekiswa ezinhlanganweni ezahlukahlukene;
• funa umbolekisi;
• ukubhaliswa kwesicelo semalimboleko;
• ukukhethwa kwezimo ezinhle kakhulu zesikweletu;
• siza uma udinga ukukhokhelwa kabusha;
• ukubalwa kokukhokha ngokweqile.

Ubuhle bokusebenzisa abasizi abakhethekile ngu ngokonga isikhathi esibalulekile... Ngaphezu kwalokho, kumakhasimende axhumane nebhange ngokusebenzisa abalamuli abanjalo, sinikela imigomo yesikweletu evumayo.

Abadayisi bakhokhisa imali ngezinsizakalo zabo. Ikhomishini yabalamuli ingalungiswa noma ibalwe njengephesenti lemali mboleko ekhishwayo.

Into esemqoka okufanele bayikhumbule ukuthi babiza imali lapho bephothula isivumelwano nombolekisi. Izicelo zokukhokhela izinsizakalo zomxhumanisi kusengaphambili zingakhombisa ubukhona benkohliso ezenzweni zakhe.

Ngakho-ke, umlando wesikweletu esibi akufanele uthathwe njengesizathu sokwenqatshwa okuqinisekisiwe kwesicelo semalimboleko. Ungaboleka imali ngisho ngedumela elonakele. Kepha lokhu kungaba nzima ukukwenza.

Ngakho-ke, kubalulekile ukwenza yonke imizamo ukuhlinzeka ngezinsizakalo ezisezingeni kwizimalimboleko ezitholiwe. Uma idumela selivele lonakele, uma kwenzeka kuvunywa isicelo semalimboleko, into esemqoka ukuvimbela ukubambezeleka ngokuzayo.

Sincoma ukuthi ubuke ividiyo emayelana nemalimboleko enomlando wesikweletu omubi:

Sincoma futhi ukubuka ividiyo ukuthi iyini i-CI, ungayilungisa kanjani umlando wakho wesikweletu bese uqala ukwakha umbono omuhle ngawe:

Konke lokho okwethu. Siyabonga ngokufunda izinto zethu! Sifisa ukuthi ube namabala amnyama ambalwa ngangokunokwenzeka emlandweni wakho wesikweletu.

Bafundi abathandekayo bemagazini eku-inthanethi i-Ideas for Life, sizojabula kakhulu uma wabelana ngamava akho, izifiso kanye namazwana wakho ngesihloko sokushicilelwa kumazwana angezansi.

Bukela ividiyo: SIYOPHILA INGUNA PHAKADE (Septhemba 2024).