Ungamfuna kuphi umtshalizimali ozimele okhipha imali yakhe?

Sawubona, igama lami nginguMikhail. Umbuzo: ungamthola kanjani futhi umtshale zimali wangasese okulungele ukuboleka izimali zakhe zentuthuko, ukudala amabhizinisi nezinye izinhloso zomuntu siqu?

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

Abantu abaningi bayazi ngobukhona bomkhiqizo wasebhange onje ngemali mboleko yokuqala nokuthuthukisa ibhizinisi. Kepha muva nje, okuthiwa ukubolekisa kwangasese... Izikhangiso nokunikezwa kwezinsizakalo ezinjalo, kaningi, kungatholakala kwi-Intanethi nasemigwaqweni. Wonke umuntu uyazi ukuthi iningi lalezi zikhangiso limane nje liyinkohliso.

Kodwa-ke, phakathi kwababolekisi abanjalo kukhona nabangempela abakulungele ukuhlinzeka ngezimo ezinhle zokubambisana, ngakho-ke kubaluleke kakhulu ukufunda ukuthi ungababona kanjani phakathi kwabakhohlisi.

Ukuqonda okushiwo ukubolekwa kwangasese, udinga ukuqonda ukuthi ngubani okwenzayo nokuthi kungani bekudinga.

1. Umtshalizimali ozimele - ungubani futhi uyini umsebenzi wakhe?

Umbolekisi wangasese - lo ngumuntu okulungele ukukhipha imalimboleko komunye umuntu ngezimali zakhe, ngezimo ezithile ezibekwe esivumelwaneni semalimboleko.

Isivumelwano esinjalo siyasungulwa imigomo yokukhokha izikweletu, inani lemalimboleko, inzalo futhi izinhlawulo... Irisidi kufanele linamathiselwe esivumelwaneni, esibhalwa ngumboleki ngesikhathi sokuthola inani lemali. Kungenzeka wenze isivumelwano nommeli olungisa izivumelwano, kepha hhayi impela.

Inzuzo engangabazeki yokubambisana okunjalo kumboleki ngukuthi umtshalizimali ozimele ayinakho ukufinyelela kumlando wesikweletu, futhi, ngokufanele, ayikwazi ukuthonya isinqumo.

Inaniokungabolekwa ngale ndlela akunayo imikhawulo ecacile futhi kuncike ezintweni eziningi, kufaka phakathi amandla wezezimali wombolekisi uqobo. Ngokuyinhloko, lawa ama-microloans ekhadini ngalinye ebangeni 1 000 – 30 000 ama-ruble futhi isikhathi esifushane, ngokwesilinganiso, izinyanga ezi-2.

Izinga lenzalo, njengomthetho, ukhokhiswa usuku ngalunye lokusebenzisa imalimboleko, ngenani le- kusuka ku-0.3% kuya ku-4% ngosuku. Isikweletu, kulokhu, sibuyiselwa ekupheleni kwethemu, konke, kanye nenzalo. Imvamisa, akudingeki isibambiso noma ukuphepha. Kukhona nababolekisi abakulungele ukuboleka imali enkulu, kuze kufike ezigidini ezimbalwa, noma kunjalo, lokho kuzobe sekudinga isibambiso esifanele.

Kufanele ube nempahlasikwazi ukumboza inani lemalimboleko, isivumelwano sizokhombisa ukuthi uma kungakhokhelwa isikweletu, impahla yomboleki izodluliselwa kumbolekisi. Ngokuvamile, inani lemakethe lesibambiso kufanele libe 30-40% ephakeme kunenani lemalimboleko. Izinga lenzalo nemibandela yezinkontileka ezinjalo, yebo, zehlukile - 15-30% ngonyaka, ngokwesilinganiso, iminyaka engu-2-3.

Uhlelo lokukhokha lwemalimboleko yangasese lusungulwa ngawodwana, ngokwesivumelwano esifinyelelwe amaqembu.

Kukhona nababolekisi bezigaba ze-premium abakulungele ukukhipha isamba esingaphezu kwama-ruble ayizigidi ezi-5, bemukela impahla efanele njengesibambiso: izindlu ezibizayo, ibhizinisi elinenzuzo, njll.

2. Ungamkhetha kanjani umtshalizimali ozimele?

Ukuthola umuntu ononembeza ongaboleka imali yakhe kuyinkqubo enzima kakhulu futhi edla isikhathi. Iningi labo lizama ukuthola abantu abanjalo emithonjeni yezindaba yendawo noma ezikhangisweni zomgwaqo, okungafanele ukwenziwa.

Okokuqala, kunengozi enkulu yokuhlangana nalabo okuthiwa ngabatshalizimali abamnyama abanganikela ngokuthenga imishini esitolo ngesikweletu, bethembisa ukuyithenga futhi. Okungcono kakhulu, bazokwenzela i- 60-70% kusuka ezindlekweni, futhi okubi kakhulu, ngeke bayikhokhe nhlobo le mali, beshiya lowo obezoboleka isikweletu esisha futhi engenazo izimpahla.

Okwesibili, abakwa-scammers bangathatha inkokhelo kusengaphambili bese befihla, nakho okungajwayelekile. Imvamisa, izinsizakusebenza zohlu oluyimfihlo aziqinisekisi ubuqotho bazo.

Ungabuza abangane bakho, kungenzeka ukuthi phakathi kwabo kukhona labo abakulungele ukukhipha isamba semali ngenzalo. Phakathi kwemithombo enezikhangiso, abantu be-hcpeople bangahlukaniswa, abahlola ababolekisi futhi kunethuba langempela lokuthola okufanelekile phakathi kwabo.

Ngemininingwane eminingi ukuthi umtshali zimali ungamtholaphi nokuthi kanjani, sabhala encwadini yethu yokugcina.

Noma kunjalo, umthombo ofanele kakhulu kungaba ukushintshana ngokuvumelana p2p ukubolekisa.

Ziningi ezweni lethu, ezithandwa kakhulu kuzo yilezi:

• Vdlolg.ru;
• IZaymigo;
• IFingooroo;
• I-Credbury, njll.

Lolu hlelo lusebenza ngesisekelo sezinsizakusebenza ze-Intanethi, lapho noma ngubani angabhalisa njengomboleki noma umtshalizimali. Isiza uqobo lwaso sinesibopho sokuqopha phansi, kanye nokuhlola ababambiqhaza.

3. Ungaqinisekisa kanjani ukuthi umbolekisi uqinisile?

Ngaphandle kokubheka imininingwane yabatshalizimali akunzima, abantu abaningi bawela kubakhwabanisi, ngenxa yokuthi laba bakamuva banekhono elihle lokwenza imali esimweni esinzima sababolekisi.

Ngemuva kwakho konke, izimali mboleko ezinjalo zifuna abantu okuthi, banezizathu zokuthi kungani bengakwazi ukufaka isicelo semalimboleko yasebhange, ngaphandle kwesibonelo, umsebenzi noma umlando omuhle wesikweletu, ovame ukwesatshiswa yizenzo zabaqoqi noma bezinkantolo, okusho ukuthi bakulungele okuningi ukuze bathole ilungelo inani.

Okokuqala, kusheke lombolekisi anga siza i-inthanethi... Udinga ukushayela idatha mayelana nomtshalimali ongaba khona ebhokisini lokusesha futhi uzijwayeze ngemiphumela yosesho. Ingatholakala ukubuyekezwa noma izikhangiso yalo muntu, kepha enegama elehlukile, elizonikeza ukuqonda okucacile kokungathembeki kwalo muntu.

Uma umbolekisi efuna inkokhelo kusengaphambili nganoma iyiphi indlela nangaphansi kwanoma yisiphi isizathu - ungamthembi... Kepha noma ngaphandle kokukhokha kusengaphambili, ukubamba kungaba sesivumelwaneni semalimboleko uqobo, esidinga ukutadishwa ngokucophelela okukhulu. Mhlawumbe kufanelekile ukusebenzisa usizo lommeli.

4. Ezinye izindlela zokuthola uxhaso

Kukhona nezinye izindlela zokuxhasa imali lapho kudingeka imali.

Ungazama futhi, isib, thola imali ngohlelo lokubuyisa imali. Kuyini ukubuyisa imali futhi yiziphi izinkundla zokuqongelela imali ezikhona, sabhala ku-athikili ekhethekile.

Sincoma ukuthi ubuke ividiyo emayelana nezimali zabantu abaningi, izinhlobo zayo nezikimu zezimali kumaphrojekthi wokuthola imali ngobuningi:

Siphinde salungisa imininingwane ehlukile emayelana nemalimboleko evela kubatshalizimali abazimele, lapho sitshele khona ngokuningiliziwe ukuthi singazifuna kuphi izimali mboleko ezizimele nokuthi sizihlela kanjani kahle.

Siyethemba ukuthi sikwazile ukuphendula umbuzo wakho. Okuhle kakhulu, Imibono yeqembu lempilo!