Ungawulungisa kanjani umlando wakho wesikweletu: imiyalo yokulungisa umlando wakho wesikweletu + izindlela ezi-6 zokwenza ngcono (buyisela) i-CI

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Sawubona bafundi abathandekayo be-Ideas for Life! Namuhla sizokhuluma ngokulungisa umlando wakho wesikweletu, okungukuthi, ungawulungisa kanjani umlando wakho wesikweletu nokuthi ngabe kungenzeka yini ukuthi uthuthukise (ubuyisele) i-CI uma yonakele.

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

Ngemuva kokufunda le ndatshana kusukela ekuqaleni kuze kube sekugcineni, uzofunda futhi:

yiziphi izizathu zomlando wesikweletu esibi;
ungakanani umlando wesikweletu ogcinwa ku-BCH;
ungasula kanjani umlando wesikweletu nokuthi ngabe kungenzeka yini ukusula eRussia;
ama-MFIs angcono kakhulu ukuxhumana nawo ukwenza ngcono i-CI.

Ekupheleni kwendatshana, ngokwesiko siphendula imibuzo ethandwa kakhulu ngesihloko esicatshangelwayo.

Ukushicilelwa okwethulwayo kuzosiza hhayi kuphela labo abanomlando wesikweletu osuvele woniwe, kodwa futhi nalabo abathola njalo imali mboleko.Ngakho asihambe!

Funda ngokuthi ungawulungisa kanjani futhi uwuthuthukise kanjani (ubuyisele) umlando wakho wesikweletu, kungenzeka ngempela ukuwusula ngokuphelele, yiziphi izindlela ezikhona zokulungisa umlando wakho wesikweletu - funda ukukhishwa kwethu.

1. Ubaluleke ngani umlando wesikweletu walowo obolekayo 📝?

Enqubweni yokunquma ukuthi kungenzeka yini ukuthi ikhasimende linikezwe imalimboleko, okokuqala, ibhange lihlola ukuzinza kwalo. Inkomba yokhiye ithi umlando wesikweletu.

Idumela elonakele, ukufeza ngokungafanele izibopho zezezimali ngenkathi kusetshenzelwa imali mboleko yangaphambilini kungaba yisithiyo esikhulu ekutholeni imali mboleko ngokuzayo.

Kubalulekile ukwazi! Isikhalazo ngasinye esikhungweni sezezimali kufanele sifakwe embhalweni wesikweletu. Noma ngabe imali mboleko yenqatshiwe, imininingwane emayelana nesicelo iyavela kumlando wesikweletu.

Ukuze ithuba lokuthola izimali ngezinjongo zabathengi, ukubolekwa kwezimoto kanye nemalimboleko ebanjiswayo kube phezulu ↑, kuyadingeka umlando omuhle wesikweletu... Noma ngabe kukhona umbono webhizinisi onekhono kanye nephrojekthi esezingeni eliphakeme, izinhlangano ezikweleta zizokwenqaba ukuxhasa ngezimali uma esikhathini esidlule obolekayo ebenezinkinga ngokufeza izibopho zemalimboleko.

Ubudlelwano bomboleki namabhange eRussia kulawulwa umthetho wesifundazwe "Emlandweni wesikweletu"... Yilesi senzo esinquma izizathu zokusebenza nedatha ngedumela lalowo obolekayo. Ngenxa yokwamukelwa komthetho oqanjwe ngegama Ubungozi bababolekisi banciphe kakhulu, futhi ukuvikelwa kwamakhasimende nguhulumeni sekuthuthukile.

Amanye amaklayenti azi ngokuthembeka ukuthi umlando wawo wesikweletu wonakalisiwe anentshisekelo yokuthi "izosethwa kabusha kanjani". Eqinisweni, impendulo yalo mbuzo kungenzeka icasule ababoleki abangathembekile.

ICredit Bureau igcina imininingwane ngokugcwaliseka kwezibopho iminyaka engu-15 kusukela ngosuku idatha egcine ukuguqulwa ngalo.

Kuphela lapho isidlulile kusukela ngesikhathi sokwephula umthetho 15 iminyaka, imininingwane emayelana nabo izokhanselwa. Ngakho-ke, uma bekukhona ubuhlongandlebe bakamuva, amathuba esinqumo esihle kuzicelo zemalimboleko mancane.

Imininingwane yedumela kumboleki igcinwe ku- isikhungo sezikweletu (sifushanisiwe I-BKI). Kuyinhlangano yezentengiselwano, inhloso yayo bekungukuhlinzeka ngemisebenzi yolwazi yokwakheka, ukugcinwa nokulungiswa kwedatha, kanye nokuhlinzekwa kwemibiko kuyo uma iceliwe.

Ukuthola ukuthi igcinwe kuliphi i-bure ulwazi mayelana nomboleki othile, udinga ukwazi ikhodi yendaba yomlando wesikweletu. Sikhulume ngakho ngokuningiliziwe kwesinye sezindatshana zethu.

Izizathu eziyinhloko zomlando wesikweletu esibi

2. Kungani umlando wesikweletu ungaba mubi - izizathu eziyisihlanu eziyinhloko

Eqinisweni, ukugcina umlando omuhle wesikweletu akunzima kangako. Kwanele ukufeza ngonembeza izibopho zesikweletu ocatshangelwe, ukuvimbela ukuhlanekezwa ngamabomu kwemininingwane ngawe. Uma ulandela le mithetho elula, ngeke ukwazi ukonakalisa isithunzi sakho.

Okwamanje, umuntu angahlukanisa Izizathu eziyisihlanu eziyinhloko, okuvame ukonakalisa umlando wesikweletu wababolekayo.

Isizathu 1. Izinkokhelo ezenziwa ngemuva kwesikhathi noma ezingaphelele

Enqubweni yokukhipha imali ebolekiwe, lowo obolekayo usayina nezimali zakhe ebhange isivumelwano semalimboleko, okuyingxenye ebalulekile okuyi- uhlelo lokukhokha.

Kubalulekile ukunamathela ngokucacile kulo mbhalo, ukukhokha ngokuhambisana nesikhathi nenani eliboniswe kulo. Ungakhohlwa ukuthi ngisho nezinsuku ezimbalwa zokubambezeleka nokukhokhelwa okungaphansi kwama-ruble ambalwa kuzothinta kabi umlando wakho wesikweletu.

Isizathu 2. Ukuthola imali kungakafiki isikhathi ebhange

Amabhange amaningi anikela ngezindlela ezahlukahlukene zokukhokha. Lapho usebenzisa ngayinye yazo, kufanele ucabangele imigomo yokubhalisa... Kubalulekile ukukhumbula ukuthi isikhathi sokukhokha sithathwa njengesikhathi lapho izimali zifakwa kwi-akhawunti yesikweletu, hhayi lapho zithunyelwa khona.

Uma imali ifakwe kudethi ekhonjiswe kushejuli, futhi isikhathi sokufaka imali siyizinsuku ezimbalwa, leli qiniso lizobhekwa njengokwephula umthetho futhi lizolithinta kabi idumela.

Isizathu 3. Isici somuntu

Kwesinye isikhathi umlando wesikweletu ungalimala ngenxa yamaphutha wesisebenzi sasebhange noma seklayenti uqobo. Kwanele ukwenza iphutha egameni lalowo obolekayo, inani lokukhokha noma umnqamulajuqu ukuze konakale idumela. Kungakho kufanele uhlole ngokucophelela amadokhumende asayiniwe.

Ngaphezu kwalokho, Ochwepheshe batusa ukuhlola umlando wakho wesikweletu minyaka yonke (ikakhulukazi kusukela 1 kanye ngonyaka ungakwenza mahhala). Sibhale ukuthi ungawuthola kanjani umlando wakho wesikweletu mahhala ngegama lesibongo nge-Intanethi endabeni yokugcina.

Isizathu 4. Ukukhwabanisa

Emkhakheni wezikweletu, ukukhwabanisa kuyinto ejwayelekile. Umthelela wayo emlandweni wesikweletu akumele uchithwe nawo.

Ngokwesibonelo: Kunezimo lapho abakhohlisi bathola imalimboleko ngokungemthetho besebenzisa ipasipoti yesakhamuzi. Ngokwemvelo, abakhokhelanga kuso. Ngenxa yalokhu, umlando wesikweletu womnikazi wepasipoti walinyazwa yileli qiniso.

Isizathu 5. Ukwehluleka kobuchwepheshe

Ukuthi kungenzeka kube namaphutha ezobuchwepheshe akunqatshelwe. Lapho ukhokha, kungahle kube khona ukuphahlazeka ku-terminal ne-software... Ngenxa yalokho, inkokhelo ngeke ifike noma ngeke ifike ngesikhathi.

Ngisho noma kwenziwa uphenyo futhi kufakazelwa ukuthi iklayenti alinakusolwa ngokwephula imigomo yokukhokha, imininingwane ngaye kungenzeka isivele ithunyelwe ku-BKI. Ukuvikela ukuthinteka kwamaqiniso anjalo kumlando wesikweletu, kubalulekile ukuwahlola ngezikhathi ezithile.

Ngaphandle kokuthi imininingwane kumlando wesikweletu igcinwa isikhathi eside, ungacabangi ukuthi konke ukwephula kunomthelela ofanayo... Kungokwemvelo ukuthi ukubambezeleka ku- 1 usuku lwe 10Imalimboleko yonyaka ayinakuqhathaniswa nokwehluleka ngokuphelele ukukhokha ngemuva kwezinyanga ezimbalwa.

Akuwona wonke umuntu ofakiwe ohlwini lwama-credit bureau ngenxa yokwephula imigomo yokukhokhwa kwemali mboleko. Kwesinye isikhathi "izinhlawulo" azikaze zithathe imalimboleko nhlobo noma zikhokhe ngesikhathi.

Iqiniso ngukuthi ukungakhokhelwa okunenzuzo okunobungozi, kanye nezintela, nakho kungaphazamisa umlando wakho wesikweletu. Kuyavela lokho idumela lithonywa ukugcwaliseka kwazo zonke izibopho zezezimali, hhayi isikweletu kuphela.

3. Kungenzeka yini ukuhlanza (ukusula) umlando wesikweletu ✂?

Akunakwenzeka ukususa noma yiluphi ulwazi kumlando wesikweletu, ingasaphathwa eyokusula ngokuphelele imininingwane mayelana nomboleki. Yonke idatha egcinwe kuzincwadi ze-BKI ingaphansi kokuvikelwa okunamandla kwamazinga amaningi.

Bambalwa kuphela abasebenzi abanesibopho sokuthola ulwazi. Ngaphezu kwalokho, zonke izenzo abazenzayo zibhalwa ohlelweni. Ngokomthetho waseRussia, imininingwane ngomboleki igcinwa ku-BCH ye 15 iminyaka selokhu kwaba noshintsho lokugcina.

Kufanele kuqondwe ukuthi ukuthi noma yiziphi izinguquko ziyenziwa kuphela ngesicelo seklayenti nangemvume yakhe ebhaliwe. Izikhungo zezimali azinalo ilungelo lokucela ngokuzimela imininingwane emlandweni wesikweletu, futhi zifake izicelo zoshintsho lwazo uma ingekho imvume efanelekile yomboleki.

Ngokuya ngalokhu okungenhla, singaphetha ngokuthi noma yiziphi izinhlangano ezithi ziyakwazi ukususa imininingwane engemihle emlandweni wesikweletu empeleni zijwayelekile abakhwabanisi.

Ezinye izinkampani, zithole imvume esemthethweni yekhasimende, zicela i-bureau imininingwane ngomlando wayo wesikweletu. Ngemuva kokuthola lo mbiko, bawutadisha ngokucophelela befuna izikhala zokukhuphula isilinganiso salowo obolekayo. Ngokwemvelo, le nqubo yinde. Ngaphezu kwalokho, izinkampani ezinjalo azisebenzi mahhala. Ngakho-ke, iklayenti kuzodingeka likhiphe inani elikhulu lokuhlanza umlando wesikweletu nezinye izinsizakalo ezifanayo.

4. Ungawalungisa kanjani amaphutha emlandweni wesikweletu ✍ - izindlela zokulungisa ukunganembi

Imiyalo yezinyathelo ngezinyathelo yokulungisa iphutha kumlando wakho wesikweletu

Umlando wesikweletu ungonakaliswa hhayi kuphela esimweni sokungenzi kahle kwezibopho zabo zezezimali. Imininingwane ingaqukatha ukunganembi okukuphambukisayo.

Imvamisa, amaphutha angakhonjwa kolunye lwezinhlobo ezilandelayo:

Imininingwane enganembile ngomboleki. Imvamisa amaphutha avela ku- usuku futhi Indawo yokuzalwa, ikheli lokuhlala, ngokubhala okuyinkimbinkimbi izibongo, igama futhi amagama aphakathi... Okungalungile okunjalo akuyona inkinga ikakhulukazi. Uma zitholwa, zisuswa ngokushesha ngaphandle kwezinkinga.
Imininingwane mayelana nemalimboleko engakhokhiwe. Kwesinye isikhathi abasebenzi bezikhungo zezezimali, nganoma yisiphi isizathu, ababiki ku-BCH ukuthi umboleki useyikhokhile imali ebolekiswe ngokuphelele. Esikhathini esiningi, izimo ezinjalo zivela lapho ibhange liphucwa ilayisense futhi kwasungulwa ukuphatha okwesikhashana. Esimweni esinjalo, izinkinga zomlando wesikweletu zivela ngaphandle kwephutha lomboleki.
Ukucabanga ngomlando wesikweletu wolwazi mayelana nokubolekwa kwemali iklayenti elingakaze likuthole. Lolu hlobo lokunganembi kungenye yezinto ezingemnandi kakhulu. Ababoleki, lapho befunda lo mbiko ngomlando wabo wesikweletu, bangathola kuwo ubuhlongandlebe kwizimalimboleko abangazikhiphi. Lokhu kuchazwa kaningi ngu 2- ngezizathu - ukunganaki kwabasebenzi basemabhange futhi amaqiniso okukhwabanisa.

Uma kutholakala amaphutha embikweni womlando wesikweletu, kufanele uthumele ngokushesha ku-BCH isaziso Mayelana nakho. Ngasikhathi sinye, kubalulekile ukunamathisela kuwo amakhophi amadokhumenti nezitifiketi, eziqinisekisa iqiniso lamaphutha wedatha. Amakhophi anjalo kufanele aqinisekiswe ngummeli olungisa izivumelwano ngaphambi kokuthumela.

Kusungulwe ngokusemthethweni lokho Abasebenzi be-BCI banelungelo lokucabanga ngesaziso abasitholile kungakapheli inyanga eyodwa. Ezimweni lapho kudingeka khona, ibhange lingabandakanyeka ekucwaningweni kwamabhuku, okuthumele imininingwane ephikisiwe ku-bureau.

Lapho uphenyo seluphelile, impendulo esemthethweni izothunyelwa kumboleki. Uma iklayenti lingenelisekile ngombono olitholile, linelungelo lokufaka isicelo enkantolo ukuxazulula inkinga yalo.

Lapho uthatha isinqumo sokulungisa umlando wakho wesikweletu, kubalulekile ukukhumbula, ukuthi ungashintsha kuphela imininingwane evele kufayela lomboleki ngephutha. Akunangqondo ukuzama ukusula idatha engemihle eyiqiniso. Isikhathi kulo msebenzi sizomoshwa.

Izindlela ezifakazelwe zokuthuthukisa umlando wakho wesikweletu uma unganikeli ngemalimboleko

5. Ungawuthuthukisa kanjani umlando wakho wesikweletu uma wonakele - TOP-6 izindlela zokwenza ngcono i-CI bad embi

Uma, lapho ufaka isicelo semalimboleko, iklayenti lihlala lithola ukwenqatshwa, kungenzeka ukuthi izikhungo zezezimali zinokungabaza ngokuxazululwa kwakhe. Imvamisa kuhlotshaniswa nezinkinga emlandweni wesikweletu.

Kodwa-ke, ungacabangi ukuthi uma isithunzi sakho sonakele, awusoze wakwazi ukuthola imali mboleko enenzuzo futhi. Eqinisweni, kunezindlela eziningi zokusebenza ezingakusiza ukulungisa umlando wakho wesikweletu.

Indlela 1. Sebenzisa uhlelo olukhethekile ukwenza ngcono umlando wakho wesikweletu

Namuhla, kunenqwaba yababoleki abanomlando wesikweletu esibi. Emzabalazweni weklayenti ngalinye, izikhungo zezezimali ziyathuthuka izinhlelo ezikhethekile zokuthuthukisa idumela... Ngemuva kokudlula kuyo, iklayenti lingathembela kwisithembiso esihle sokuthola imalimboleko.

Ngokwesibonelo: Uhlelo "Udokotela Wesikweletu" kusuka Sovcombank... Ingqikithi yendlela ukwenziwa ngokulandelana kwemali mboleko eminingana ngokunyuka kancane kancane kwamanani. Ekupheleni kohlelo, uma luphothulwe ngempumelelo, obolekayo angalindela ukuthola imali mboleko efanelekile ngenani lentela emakethe.

Indlela 2. Thola ikhadi lesikweletu

Enye yezindlela ezilula futhi ezingabizi kakhulu zokulungisa umlando wakho wesikweletu ukucutshungulwa kwekhadi lesikweletu... Kulokhu, kufanele ukhethe amabhange angabizi kakhulu kumakhasimende angahle abe khona. Sibhale kwesinye sezindatshana zethu ukuthi amakhadi wesikweletu akhishwa kuphi kusetshenziswa ipasipoti enesisombululo esisheshayo online.

Isikimu sokulungisa umlando wesikweletu usebenzisa ikhadi lesikweletu

Indlela elula ukuthola ikhadi lesikweletu esikhungweni sezezimali esikhonza ikhadi lomholo, elibambe iqhaza ekuheheni amakhasimende, noma lithuthukisa ngentshiseko umkhiqizo omusha wemalimboleko.

Kepha gcina engqondweni ukuthi ukuze ulungise isithunzi, kuzofanela usebenzise imali njalo kusuka kumkhawulo wekhadi lesikweletu, ukuyigcwalisa ngesikhathi esifanele. Ngemuva kwesikhashana, ungalindela ukukhuphula umkhawulo wakho wesikweletu.

Lapho ukhetha ezinhlelweni eziningana zokukhipha amakhadi wesikweletu, kufanele unake le mingcele elandelayo:

Isikhathi somusa, ubukhona bayo nobude bayo. Uma kwenzeka kusetshenziswa imali ngaphandle kwemali futhi kuyabuya ngesikhathi somusa, ngeke kukhokhiswe inzalo. Kwezinye izimo, kunikezwa isikhathi somusa sokukhipha imali;
Izindleko zokukhishwakanye nokugcinwa konyaka;
Linganisa - ukwehla kwenani lenzalo ↓, kuncane ↓ ukukhokhwa ngokweqile ekhadini lesikweletu okukhishiwe kuzoba;
Izaphulelo ezahlukahlukene. Ingabe akhona amabhonasi noma imali ebuyiswayo ekhadini?

Lapho ugcwalisa ikhadi, kubalulekile ukucubungula ngokucophelela imithetho yokubala umnqamulajuqu wokufaka imali. Njengoba zingahluka ngamabhange, akuvamile ukuthi amakhasimende afake imali ngemuva kokuphela kwesikhathi somusa futhi angaqondi ukuthi kungani akhokhiswa inzalo.

Uma amabhange enqaba ukukhipha ikhadi lemali enkulu ngasikhathi sinye, kufanelekile ukuvuma umkhawulo omncane wesikweletu. Uma uhlala ugcina umsebenzi - ukhokha njalo ngekhadi lakho bese uligcwalisa ngesikhathi esifanele, ungalindela ukukhuphula umkhawulo ↑ ngokuhamba kwesikhathi.

Indlela 3. Thatha imali mboleko enhlanganweni yezimali ezincane

Enye indlela ephumelelayo yokulungisa umlando wakho wesikweletu yile ukuthola izimalimboleko ezinhlanganweni zezimali ezincane... Lezi zinkampani zezezimali ziboleka imali encane ngesikhathi esifushane.

Ungathola i-microloan ngqo kwi-Intanethi ngokufaka ikhadi lasebhange. Uma uyikhipha kaningana bese uyibuyisa ngesikhathi, ungathembela ekulungisweni komlando wakho wesikweletu.

Sína kusimo microloans kuyinto izinga eliphezulu lokukhokha ngokweqile... Ngasikhathi sinye, isilinganiso sivame ukukhonjiswa njengosuku, amaklayenti amaningi acabanga ukuthi iphesenti lincane impela. Eqinisweni, uma ubala kabusha isilinganiso sonyaka, uthola ukukhokhwa ngokweqile kwamaphesenti angamakhulu amaningana.

Kubalulekile ukuhlola amakhono akho ezezimali ngisho nangaphambi kokuthola i-microloan. Imvamisa ngemuva kwenyanga kufanele ubuyele ku 2 izikhathi inani elitholiwe.

Lapho kungenasiqiniseko sokuthi kuzokwazi ukukhokha isikweletu ngenzalo ngesikhathi, kungcono ukungasifaki isicelo semishini emincane. Uma uhlangabezana nezinkinga ngokukhokha, idumela lakho lesikweletu lingaphinde lonakaliswe.

Uma usebenzisa ama-microloans, kungcono ukuboleka imali encane isikhathi esiyizinsuku ezimbalwa. Ukukhokhwa ngokulandelana kwemali mboleko eminingi enjalo kuholela ekugcwalisweni komlando wesikweletu ngolwazi oluhle. Ngenxa yalokhu, ungathembela ekunikezweni okuhle kakhulu kwemali mboleko yendabuko. Ngemininingwane yokuthi ungasithola kanjani futhi kuphi isikweletu esinomlando omubi wesikweletu ngaphandle kwezitifiketi zokuthola imali, funda i-athikili kusixhumanisi.

Noma kunjalo, usebenzisa indlela echazwe, kufanele kukhunjulwe engqondweni ukuthi ukukhokha kusenesikhathi yizikhungo zezimali ezincane kuthathwa njengokungenzi kahle. Futhi kufanele kukhunjulwe ukuthi ukuthumela imininingwane ku-BCI kuyenziwa njalo ngenyanga noma 1 kanye 2 amasonto.

Indlela 4. Thenga izimpahla ngezitolimende

Enye yezindlela ezingabizi kakhulu zokwenza ngcono umlando wakho wesikweletu ukuthenga kancane kancane. Le nketho ifaneleka kakhulu kulabo abahlela ukuthenga umkhiqizo obiza kakhulu.

Akunandaba ukuthi uthenga muphi umkhiqizo. Njengoba sekukhishiwe isikweletu sezimpahla noma izitolimende, kubalulekile ukubakhokhela ngesikhathi. Lokhu kuzosiza ukukhulisa kakhulu amathuba esinqumo esihle kuzicelo ezifakwe ebhange ngokuzayo.

Enye indlela enhle 2Izikimu ezibizwa ngama--th zingaba isitolimende ikhadi... Iziphakamiso ezinjalo zikhuthazwe ngentshiseko muva nje ngamabhange amaningi. Ukuze umkhiqizo onjalo usize ukulungisa umlando wakho wesikweletu, kubalulekile ukuthi uhlaziye ngokucophelela amakhono akho ezezimali futhi ungaphuli izikhathi ezibekiwe zokukhokha.

Indlela 5. Iya enkantolo

Njengoba sesishilo, umboleki akalona icala ngaso sonke isikhathi ngezinkinga ezinedumela lesikweletu. Kwezinye izimo, ulwazi olunikezwe embikweni lungahle lube nephutha.

Uma uthola noma yikuphi ukunganembi, kufanele uqale uthinte okweletayobavunyelwa bani. Uma ukuchitshiyelwa kunqatshiwe, kuzofanele uhlanganyele nakho isikhungo sezikweletu futhi nge yinkantolo.

Ezimweni eziningi, imininingwane emlandweni wesikweletu iyashintshwa ngesisekelo sesinqumo senkantolo lapho kwenzeka amaphutha ngenxa yezizathu ezilandelayo:

isoftware nokwehluleka kwezobuchwepheshe ngenkathi kucutshungulwa inkokhelo yombolekayo;
imisebenzi yenkohliso;
amaphutha abasebenzi besikhungo sesikweletu esibhekele ukudlulisa imininingwane ku-BCH.

Ngaphambi kokuqala kwecala, kuphoqelekile inqubo yokukhokhelwa ngaphambi kokuqulwa kwecala ngokubandakanyeka kwamahhovisi esikweletu.

Indlela 6. Yenza idiphozi ebhange

Ukufaka ukuzethemba kumbolekisi, ungahlela idiphozi yasebhange. Vele, le nketho idinga inani elithile lemali. Okufanelekile, idiphozi kufanele igcwaliswe njalo.

Imvamisa, amabhange anikeza amakhasimende awo idiphozi ukuze akhiphe imali mboleko ngokwemibandela evumayo.

Noma kungekho mali ebekiwe, ungathola idiphozi enethuba lokugcwaliswa kabusha nokuhoxiswa okuyingxenye sonke isikhathi. Njengoba sesenze isivumelwano esinjalo, kuzohlala kukhokha ingxenye yomholo kwi-akhawunti. Uma kunesidingo, izimali zingasuswa ngaphandle kwezinkinga.

Zonke izindlela ezichazwe ngenhla zikuvumela ukuthi ushintshe umlando wakho wesikweletu ube ongcono. Noma kunjalo, akufanele uthembele emiphumeleni esheshayo. Ukwenza ngcono umlando wakho wesikweletu kuhlala kungumsebenzi omude futhi onzima.

Ilungisa umlando wakho wesikweletu ngama-microloans ngezinyathelo ezi-3

6. Ungawubuyisa kanjani umlando wesikweletu usebenzisa imalimboleko - imiyalo yesinyathelo ngesinyathelo 📋

Lapho uthatha isinqumo sokulungisa umlando wakho wesikweletu, isinyathelo sokuqala ukukhetha inkampani yabalingani ezokusiza ukwenza lokhu. Ukugwema izinkinga lapho ukhetha ama-microloans, sikucebisa ukuthi usebenzise imiyalo engezansi.

Isigaba 1. Ukukhetha i-Microfinance Organisation (MFI)

Ngaphambi kokuqhubeka nokubhaliswa kwe-microloan, kufanele uzijwayeze ngolwazi mayelana nezinkampani ngokukhishwa kwazo. Ngasikhathi sinye, kuyadingeka ukuthi ufunde idumela le-MFI, futhi uthole nokuthi isebenza ngani i-CHB.

Ukuhlola isilinganiso senhlangano yezimali ezincane, udinga ukunaka izinkomba ezilandelayo:

isikhathi sokusebenza emakethe yezezimali yaseRussia;
ukuba khona kwamagatsha emadolobheni ahlukahlukene ezweni lonke;
ukutadisha ukubuyekezwa kwamakhasimende.

Ochwepheshe abatusi faka isicelo semalimboleko enkampanini yokuqala ehlangabezana nayo, noma ngabe kubonakala sengathi izimo ezikuyo zilungile.

Kungcono ukuhlaziya izimo zama-MFO okungenani ama-3 bese udweba isiphetho ngokuya ngalezi zindlela ezilandelayo:

Ukubambisana ne-BKI. Kungcono ukufaka isicelo semalimboleko enhlanganweni yezimali ezincane, edlulisa imininingwane ku-CRI, equkethe imininingwane ngawe. Enye indlela ukubambisana nama-MFIs athumela imininingwane kuma-bureau amaningi.
Ukulula kokuthola imalimboleko. Kubalulekile ukuthi uhlole ukuthi iyiphi insiza ezisebenzisayo. Imvamisa, imali ikhishwa ngokheshi noma nge-inthanethi ekhadini lasebhange. Esimweni sokuqala, kufanelekile ukubuza kusengaphambili ukuthi likuphi ihhovisi le-MFI.
Izinga lenzalo yemalimboleko. Ezinye izinhlangano zezimali ezincane zikhombisa izinga lokuzifihla - ngesimo sokukhokha ngokweqile noma esivumelwaneni kuphela ababoleki abambalwa abasifunda ngaphambi kokufaka isicelo. Ngasikhathi sinye, ama-MFIs amaningi ane-wokubala kuwebhusayithi yawo ekuvumela ukuthi ubale inkokhelo eyeqile. Ngosizo lwayo, ungahlaziya kalula ukuthi imali mboleko izobiza malini.
Ukubhaliswa ngokusemthethweni kwemalimboleko. Ochwepheshe bancoma ukuthi ngisho nangaphambi kokuba isicelo sifakwe, cela isivumelwano sesampula ku-MFI bese usicwaninga ngokucophelela. Kulokhu, kufanelekile ukunaka ubukhona balokho okuthiwa ayeke izici... Ngakho-ke, ezimweni lapho inkontileka icacisa isidingo sokuthembisa impahla ebalulekile, ochwepheshe abeluleki ukuthi bavume ukuthola imalimboleko enjalo.
Ukutholakala kanye nenani lamakhomishini angeziwe. Kubalulekile ukwazi ukuthi ngabe umbolekisi ukhokhisa imali yokuthola imali mboleko, ukukhipha ukheshi, ukwamukela izinkokhelo.

Isigaba 2. Ukuthumela isicelo semalimboleko

Lapho inhlangano yemali encane ikhethiwe, ihlala ithumela uhlelo lokusebenza... Ngale njongo, ungavakashela ihhovisi lenkampani. Kubalulekile ukuhamba nawe ipasipoti, futhi idokhumenti yesibiliukukhomba umuntu.

Kodwa-ke, kulula kakhulu ukusebenzisa online. Namuhla, ama-MFIs amaningi analo leli thuba. Amaphepha ngokuvamile adinga mayelana 30 imizuzu.

Ochwepheshe abakhathali ukukhumbuza ababolekayo ukuthi ngaphambi kokusayina inkontileka kumele ifundwe ngokucophelela kusukela ekuqaleni kuze kube sekugcineni.
Ngasikhathi sinye, kubalulekile ukubheka ukuthi azikho yini izinkomba zokuthi uma kungakhokhwa isikweletu, obolekayo kuzodingeka adlulisele impahla yakhe kumbolekisi. Kufanele futhi wenze isiqiniseko sokuthi inani lokulethwa kwemali mboleko liyahambisana nokunikezwayo.

Okubaluleke kakhulu ekutholeni imalimboleko yilezi inhlawulo... Ngakho-ke, imininingwane ngabo kufanele ifundwe ngokucophelela, inake imibandela yokuqongelela kanye nenani lezijeziso.

Lapho imigomo yesivumelwano iqinisekiswa, kusala ukusayina isivumelwano nokuthola uhlelo lokukhokha... Kubalulekile ukucacisa kusengaphambili ukuthi iziphi izindlela zokufaka imali ezingasetshenziswa futhi ukhethe izinketho ezinhle kakhulu.

Izinkokhelo zingenziwa ngezindlela ezi-2:

izingxenye ngezikhathi ezithile;
ekupheleni kwethemu.

Isigaba 3. Ukuthola nokubuyisa imali

Ochwepheshe batusa ukusebenzisa izindlela ezingeyona imali ukuthola izimali - ekhadini lasebhange, i-e-wallet, i-oda lemali... Lapho usebenzisa izinketho ezinjalo, obolekayo ugcina ubufakazi obuyidokhumende bemali etholiwe.

Lapho imali itholwa, kubalulekile ukuthi uyilahle ngokuhlakanipha. Kulokhu, kufanele ucabangele imigomo yokubuyisa esungulwe yisivumelwano. Uma ngosuku olubekiwe kungekho amarisidi ezezimali ahleliwe, kufanelekile ukonga inani olitholile ukuze ukwazi ukwenza inkokhelo.

🔔 Kubalulekile ukukhumbula, ukuthi ukwephulwa kwemibandela yokubuyisa kungaqhubekisela phambili isimo ngomlando wesikweletu owonakele. Ngakho-ke, isikhathi esinqunyiwe sokwenza izinkokhelo kufanele sihlonishwe. Ngesikhathi senqubo yokukhokha, kufanele unakekele ukugcinwa kwemibhalo eqinisekisa ukubekeka kwemali.

7. TOP-3 MFIs yokulungisa umlando wesikweletu 🏦

Kuzothatha isikhathi esiningi ukutadisha ngokuzimela nokuqhathanisa imigomo yemalimboleko yama-MFIs amaningana. Ukwenza lula lo msebenzi, cabanga Izinkampani TOP-3, ezinedumela lekhwalithi nezimo ezithandekayo.

1) u-Ezaem

Inkampani U-Ezaem unikeza ukuthola isikweletu sokuqala ngokuphelele. Ngokufakwa okuphindiwe, inzalo iqongelelwa.

Ngokwesilinganiso sonyaka sokusetshenziswa kwezimali ngesikhathi 15 izinsuku kufanele ukhokhe ngaphezulu 700%... Uma uthola imali mboleko vula 30 izinsuku, isilinganiso sizobekwa cishe ngo- 600% minyaka yonke.

Ababoleki bakhululekile ukukhetha ukuthi bazithola kanjani izimali zezicelo ezivunyelwe.

Ungathola imali ngezindlela ezahlukene:

imali;
kwi-akhawunti yasebhange noma ekhadini;
Isikhwama se-Qiwi;
ukudluliswa kwemali ngohlelo lokuxhumana.

Ungakhokha ngokheshi, ngekhadi lesikweletu, nangeposi noma ngokudlulisa imali ebhange. Ukufundwa kokuqala kwemigomo yesivumelwano, isivumelwano singalandwa kuwebhusayithi ye-MFI. Amanani wokubolekwa anemininingwane nawo afakwa lapha.

2) ImaliMan

Ngemalimboleko yokuqala ImaliMan unikeza isaphulelo - 50%. Lapho uthola imali mboleko enanini 10 000 ama-ruble isilinganiso sibekiwe 1,85% nsuku zonke.

Ungathola imali ekhadini lasebhange noma ku-akhawunti, ngokheshi, ngezinhlelo zokudlulisa imali. Izinkokhelo zenziwa ngamatheminali wokukhokha, ngokudlulisa kusuka ekhadini lasebhange noma ku-akhawunti.

Ungesabi ukuthi i-MFI ecatshangelwayo inikezela ngemibhalo eminingi. Ngaphezu kwenkontileka, kuzofanele usayine imvume futhi izibopho.

3) E-iklabishi

E-iklabishi futhi inikeza amakhasimende amasha ukukhushulwa okuhlukahlukene. Namuhla, kunombandela ngokungabikho kwenzalo eyengeziwe kwimalimboleko yokuqala.

I-E-iklabishi yemalimboleko ibeka amanani alandelayo:

ngesikhathi sokuqala 12 izinsuku - 2,1% okwezinsuku zonke;
1,7% usuku ngalunye olulandelayo.

Bese ukhumbula ukuthi iwebhusayithi ye-MFO ayinaso isibali sokubala imingcele yemalimboleko. Ngakho-ke, imininingwane eningiliziwe ngenani lokukhokha ngokweqile ingatholakala kuphela ku-akhawunti yakho yangasese ngemuva kokubhaliswa.

Ungathola imali, futhi ukhokhe nemalimboleko, usebenzisa amakhadi asebhange, ama-e-wallet noma ukheshi... I-MFI ithi imininingwane mayelana nazo zonke izimali mboleko idluliselwa kuyo I-BKI.

Ukucacelwa ngokwengeziwe, yonke imingcele yokubolekisa kuma-MFO abukeziwe ifingqiwe etafuleni.

Ithebula: "Izinhlangano zezezimali ezincane ze-TOP-3 nezimo zokubolekisa kuzo"

Ama-IFIs	Izimo ezikhethekile zemalimboleko	Linganisa	Indlela yokwamukela izimali	Izindlela zokukhokha
U-Ezaem	Imali mboleko yokuqala ngaphandle kwenzalo	Isikhathi se 15 izinsuku - okuningi700% ngonyaka Vuliwe 30 izinsuku - 600%	Ku-akhawunti yasebhange noma ekhadini, i-Qiwi wallet, ngokudluliswa kwemali ngohlelo lokuxhumana	Imali, ikhadi lesikweletu, iposi noma ukudluliswa kwebhange
ImaliMan	Isaphulelo 50% kumakhasimende amasha	1,85% ngosuku	Kwikhadi lasebhange noma i-akhawunti, ngokheshi, ngezinhlelo zokudlulisa imali	Ngamatheminali wokukhokha, ngokudlulisa kusuka ekhadini lasebhange noma ku-akhawunti
E-iklabishi	Imalimboleko yokuqala ikhishwa ngaphandle kwenzalo	Ngesikhathi sokuqala 12 izinsuku - 2,1% nsuku zonke, 1,7% usuku ngalunye olulandelayo	Ekhadini lasebhange, i-e-wallet noma ukheshi	Ngekhadi lasebhange, i-e-wallet noma ukheshi

Ithebula liqukethe iziphakamiso * zezikhungo zezimali ezicwaningiwe, ezihlinzeka ukulungiswa komlando wesikweletu nama-microloans online.

* Ngemininingwane esesikhathini ngemibandela yokuthola imali mboleko, bheka amawebhusayithi asemthethweni e-MFO.

8. Ungawulungisa kanjani umlando wakho wesikweletu uma unganikeli ngemalimboleko - izeluleko ezi-6 eziwusizo 💎

Eqinisweni, kungekudala kakhulu, amabhange amaningi akhipha imali mboleko kuwo wonke umuntu, ngaphandle kokubheka ukuthi yi-solvency, kuphela lapho enikeza ipasipoti.

Kodwa-ke, njengasekuqaleni2017 kudlulile isikweletu esedlule isikhathi sabaseRussia ezinhlanganweni zamabhange2 trillion ama-ruble.

Ngasikhathi sinye, izibalo zikhombisa ukuthi okuningi 50% ababoleki bathola imali mboleko emisha ukuze bakhokhele leyo ekhona.

Ngenxa yalokhu, abaningi ababolekayo bazithola besesimweni lapho bezwa ukwenqatshwa yonke indawo lapho kufakwa izicelo. Ababolekisi abasakholelwa ukuthi bayakwazi ukufeza izibopho zabo.

Kepha isimo singalungiswa. Ukuze wenze lokhu, kufanele ulandele ngokusobala izeluleko ezingezansi.

Amathiphu wangempela wokuthi ungawubuyisa kanjani umlando wakho wesikweletu uma amabhange enganikeli ngemalimboleko

Ithiphu 1. Khokha isikweletu sakho

Ochwepheshe bayaqiniseka ukuthi indlela efanelekile futhi ngasikhathi sinye enokwethenjelwa yokubuyisa isikweletu ukukhokha isikweletu esikhona, ngenxa yalokhu kuzodingeka uthathe izinyathelo ezimbalwa:

Isinyathelo 1. Thumela isicelo kukhathalogi emaphakathi yemilando yezikweletu ukuthola ukuthi kuma-CRIs kukhona imininingwane emayelana nawe.

Iqiniso ukuthi imininingwane ngomlando wesikweletu ingagcinwa kuma-bureau amaningana.

Ngaphezu kwama-93% omlando wesikweletu agxilwe kumahhovisi amakhulu amane: i-NBKI, i-Equifax, i-Russian Standard Credit Bureau, i-United Credit Bureau (i-OKB)

Konke kuncike ezinhlanganweni lapho imalimboleko ikhishwe khona. Imininingwane ingatholakala ku-CCCI mahhala (ngaphandle uma isicelo senzelwa umboleki yinhlangano engumlamuli).

Isinyathelo 2. Lapho isitifiketi esivela kuCCCI sesilungile, udinga ukuxhumana ne-credit bureau, iklayenti elinguye okubolekayo. Lapho, kucelwa imininingwane emayelana nemininingwane etholakalayo.

Ihhovisi ngalinye linikeza ngesethenjwa samahhala 1 kanye ngonyaka. Kepha ngasikhathi sinye kuyadingeka ukuxhumana nommeli olungisa izivumelwano ukuze aqinisekise isiginesha esicelweni. Ngokwemvelo, kuzodingeka ukhokhele izinsizakalo ezinjalo.

Isitifiketi somlando wesikweletu sikhombisa imininingwane ngamaqiniso okwamukelwa kobugebengu bemalimboleko. Ngaphezu kwalokho, esikhathini ngasinye isikhathi saso sikhonjiswa ngezinsuku.

Lapho ufaka isicelo semalimboleko, amabhange alinganisela isikhathi sokubambezeleka:

Uma idlula 30 izinsuku, kufundwa izizathu eziholele ekwephulweni, kanye nokuthi ngabe zisusiwe yini okwamanje.
Uma ukubambezeleka kudlula 90 izinsuku, imali mboleko entsha kungenzeka yenqatshwe.

Kubalulekile ukuqonda ukuthi i-CRI iqoqa imininingwane mayelana nazo zonke izinhlobo zemalimboleko - imali mboleko yabathengi, imali mboleko yemoto, imali ebanjwayo, amakhadi.

Isinyathelo 3. Lapho umboleki ethola umbiko wesikweletu ezandleni zakhe, usevele wazi kahle ukuthi ukweleta kuphi nokuthi malini. Kusele ukuxhumana nombolekisi bese ukhokha imalimboleko.

Uma isikweletu sithengiselwa inkampani eqoqa imali, ochwepheshe batusa kuqala kunakho konke ukufuna kuyo isivumelwano sokuyekaokwenziwa ngayo ukutholwa. Ngaphezu kwalokho, ngesivumelwano esinjalo, kufanelekile ukuya ebhange ukuze uqiniseke ukuthi kusesikhathini.

Isinyathelo 4. Lapho isikweletu sesibuyisiwe, kufanele wenze isicelo kwi-credit bureau ukufaka imininingwane efanele kulo mbiko.

Ngemuva kokufaka lonke inani lesikweletu, kubalulekile ukuthi ungakhohlwa ukuboleka kubasebenzi besikhungo sezikweletu noma inkampani eqoqa izikweletuUsizo ukuthi iklayenti alisekho okweletayo.

Ngaphandle kwalokho, ngemuva kokwenza inkokhelo, kufanele ugcine idokhumenti eqinisekisa ukukhokha. Uma lokhu kungenziwanga, kunengozi yokuthi izimali ngeke zifike endaweni, futhi isikweletu ngeke sikhokhwe.

Ithiphu 2. Thintana nebhange elikhiphe ikhadi lomholo

Le nketho futhi ingasiza ekulungiseni umlando wakho wesikweletu futhi ikhulise amathuba okuvunyelwa kwesicelo semalimboleko. Lokhu kudinga ukuqashwa nomqashi okhipha imali ngendlela engeyona imali.

Ngaphesheya 3 izinyanga zamacala ajwayelekile ekhadini, ungazama ukufaka isicelo ikhadi lesikweletu... Uma ibhange livuma futhi likhipha ikhadi elinjalo, kuyadingeka ukuthi usebenzise njalo umkhawulo onikeziwe bese ukhokha isikweletu ngesikhathi esifanele.

Le ndlela ivumela cishe 12-36 izinyanga ukwenza ngcono umlando wakho wesikweletu. Kodwa-ke, lokhu akunakwenzeka ukuthi kwanele ukuthola imali mboleko yemali enkulu. Noma kunjalo, sekuvele kungenzeka ukubala kumalimboleko amancane.

Kubalulekile ukukhumbula, ukuthi ezimweni eziningi, lapho kubhekwa obolekayo, abasebenzi basebhange banake imininingwane yakamuva kwi-credit bureau.
Ngakho-ke, inzuzo engangabazeki kuzoba ukubhaliswa kwemali mboleko esikhathini esedlule, kanye nokubuyiselwa kwayo ngesikhathi esifanele. Ngakho-ke, kancane kancane indaba enhle izofihla engeyinhle.

Ithiphu 3. Sebenzisa izinsizakalo ze-MFI, ukhokhele imali mboleko ngesikhathi

Le nketho yokwenza ngcono umlando wakho wesikweletu mude impela. Kepha ikuvumela ukuthi ukhulise kakhulu izinga lokuzethemba kwamabhange kumboleki.

into esemqoka inzuzo le ndlela ukuthi imvamisa kuphela ipasipoti... Ngasikhathi sinye, ama-MFO, njengabanye ababolekisi, adlulisa imininingwane ngokugcwaliseka kwesibopho ngesikhathi esifanele isikhungo sezikweletu.

Ukuze uthuthukise idumela lakho ngokubolekwa kwemali kuma-MFOs, kufanele uqale uboleke inani elincane lama-↓, futhi ngemuva kokukhokha ngempumelelo, ungakhuphula usayizi wemali mboleko ekhishwayo. Ngemuva kwalokho, kusala ukukhulisa kancane inani ↑ nokufeza izibopho ngesikhathi esifanele.

Ekugcineni ngemuva cishe 6-12 izinyanga, usuvele ungazama ukuxhumana nebhange ngesicelo semalimboleko encane. Funda futhi nendatshana ngesihloko - "Imaphi amabhange angahloli umlando wesikweletu".

Ithiphu 4. Lungisa amaphutha kumlando wakho wesikweletu

Lapho kubhekwa umbiko ngomlando wabo wesikweletu, ababoleki bavame ukuveza amaphutha athile nokungahambi kahle kwawo. Imithetho ivumela amaklayenti ukuthi alungise ulwazi olungelona iqiniso.

Inqubo izobandakanya lezi zinyathelo ezilandelayo:

Obolekayo udinga ukuthumela isicelo ku-credit bureau. Kubalulekile ukukhombisa kulo ulwazi mayelana nawo wonke amaphutha nokungalungile okufanele kuguqulwe.
Umbolekisi othumele imininingwane ephikisanayo uthunyelwa isikhalazo sokuqinisekisa imininingwane. Ngesikhathi 2-x amasonto, ubophezelekile ukuthi alungise umlando wesikweletu, noma awushiye ungashintshiwe, uma imininingwane enikeziwe inokwethenjelwa.
Abakwa-credit bureau nabo balungisa bese bethumela umbiko kumboleki ngesikhathi 30 izinsuku kusuka ngosuku abathola ngalo isicelo.

Kubalulekile ukuqonda lowo akufanele athembele ekulungiseni imininingwane ethembekile. Izinguquko zenziwa kuphela uma kunamaphutha wangempela.

Uma ukulungiswa kokunganembi kunqatshwa, obolekayo unelungelo lokuya kwabaphathi bezobulungiswa ngale njongo.

Ithiphu 5. Thola imali mboleko evikelwe ngempahla nenzalo ephezulu

Uma umlando wakho wesikweletu wonakele ngokungenathemba, unganikela ngempahla ebalulekile kumbolekisi njengesibambiso ukukhulisa amathuba esinqumo esihle esicelweni semalimboleko.

Kubalulekile ukuthi impahla ihlangabezane nalezi zidingo ezilandelayo:

kwakungeyomboleki ngelungelo lobunikazi;
ibinamanzi kakhulu, okungukuthi, kufanele ifunwe emakethe.

Uma umboleki enqaba ukukhokha, ibhange lizothengisa isibambiso ngokushesha futhi ngaphandle kwezinkinga futhi lizobuyisa inani elikweletwayo. Okuvame ukusetshenziselwa le nhloso izimoto futhi impahla.

Kodwa-ke, ezimweni lapho kunezinkinga ezinkulu ngomlando wesikweletu, umuntu akanakuthemba imigomo evumayo yokubolekwa kwemali mboleko, noma ngabe enesibambiso sekhwalithi ephezulu.

Kungenzeka, imali izokhishwa ngezinga eliphezulu, elingafinyelela 50% minyaka yonke. Kepha imalimboleko enjalo, enembuyiselo efike ngesikhathi, ingahlinzeka ithonya elihle kumlando wesikweletu.

Uma ufuna ukufunda kabanzi ngokuthi ungakuthola kanjani futhi kuphi imali mboleko evikelekile ngokuthengiswa kwezindlu, funda indatshana yethu.

Ithiphu 6. Sebenzisa izinhlelo ezikhethekile zokubhanga

Ukulungisa umlando wakho wesikweletu, ungasebenzisa izinhlelo ezikhethekile zebhange... Uma uzisebenzisa, obolekayo unikeza imali ayitholile ukukhokhela izinsizakalo zokuthuthukisa idumela.

Ngaphandle kokuthi izimali ezingaphansi kwalezi zinhlelo zebhange azinikezwa iklayenti, kufanele zibuyiswe. Usayizi wemalimboleko futhi, ngokufanele, ukukhokha akuxhomekile kuphela esikhungweni sesikweletu, kodwa futhi nakukhwalithi yomlando wesikweletu walowo obolekayo.

Ekugcineni elinye icebo elibaluleke kakhulu – ungalokothi unikeze imali, amadokhumenti nolwazi lomuntu siqu kubakhwabanisi... Akunzima ukuwahlukanisa: abantu abanjalo baqinisekisa ukukhishwa kwemali mboleko futhi bacele ukukhokha ikhomishini yokucubungula isicelo.

Abanye abakhwabanisi bathembisa ukwenza ngcono umlando wakho wesikweletu ngemali. Iziphakamiso ezinjalo ziyangabazeka kakhulu, ngoba ngumboleki kuphela uqobo ongathuthukisa idumela.

9. FAQ - Imibuzo Ebuzwa Njalo

Isihloko sokwenza ngcono umlando wesikweletu sikhathaza abaningi. Ngaphezu kwalokho, ngenkathi uyitadisha, imibuzo eminingi ivame ukuvela. Ekupheleni kwendatshana, ngokwesiko sazama ukuphendula ezithandwa kakhulu.

Umbuzo 1. Ngingawulungisa kanjani umlando wami wesikweletu mahhala ngegama lesibongo nge-Intanethi?

Ababolekisi abaningi abanegama elibi bayazibuza ukuthi bangawuthuthukisa kanjani umlando wabo wesikweletu online ngaphandle kokukhokha ikhomishini ngokunikeza isibongo sabo kuphela.

Noma kunjalo, kufanele kuqondwe ukuthi yini engenziwa online kuphela thola ukuthi yiluphi ulwazi oluqukethwe kulo mbiko.

Izinkampani eziningi ezikwi-Intanethi zinikela ngokusheshisa ukuthola imininingwane. Kodwa-ke, abakwazi ukulungisa umlando wesikweletu besebenzisa igama lomboleki kuphela. Isilinganiselo abangasiza ngaso ukweluleka ekwenzeni ngcono idumela lakho.

Ngamanye amagama, lungisa umlando wesikweletu kuphela ngesibongo nge-Intanethi izokwehluleka... Ngisho nasezimweni lapho kudingeka khona ukulungisa amaphutha, kuzofanela ulungiselele iphakethe lamadokhumenti asekelayo.

Umbuzo 2. Uzobuyiselwa nini umlando wesikweletu esibi? Igcinwa isikhathi esingakanani ku-credit bureau?

Lapho wenza noma iyiphi imali mboleko, kubalulekile ukukhumbula ngomlando wakho wesikweletu. Noma ikuphi ukwephulwa kwezibopho kuzothinta idumela leklayenti isikhathi eside.

Kuthatha isikhathi esingakanani ukuvuselela umlando wesikweletu? Ukuqedwa ngokuphelele komlando wesikweletu kuzokwenzeka kuphela eminyakeni engu-15 ngemuva kokwenza ushintsho lokugcina kuyo. Ngasikhathi sinye, imibuzo akufanele ithunyelwe ku-CRI futhi kufanele kukhishwe imali mboleko emisha.

Kodwa-ke, ukwephulwa komthetho kusethwe kabusha kudossier mayelana 5 iminyaka. Kepha lapha kunesimo esibalulekile - kufanele uhlele njalo imali mboleko ngenani elincane, ukufeza izibopho ezifika ngesikhathi kubo.

Umbuzo 3. Ungawusula kanjani umlando wesikweletu ku-database jikelele?

Imvamisa kunezikhangiso kwi-Intanethi ezinikela ngokususa umlando wesikweletu noma ukulungisa imininingwane embikweni. Kuyamangaza ukuthi ababoleki abaningi abanomlando wesikweletu owonakele basakholelwa ngamehlo engqondo ukuthi lokhu kungenzeka.

Kubalulekile ukukhumbula, lowo mthetho waseRussia ulawula ngokuqinile ithuba lokulungisa umlando wesikweletu. Ungayishintsha kuphela uma kunamaphutha nokunganembi.

ERussia, ayikho indlela yokuhlanza umlando wakho wesikweletu ngentando. Umbiko uvuselelwa njalo, ngakho-ke akekho umuntu noma inkampani ekwazi ukuthonya imininingwane eboniswe kuyo.

Imisebenzi ye-BCI ilawulwa ngokuqinile NguBhange Elikhulu LaseRussia... Noma yiluphi ulwazi lufakwa kumlando wesikweletu kuphela ngemuva kokuthi kwenziwe isheke elithile. Vele, amaphutha angenzeka. Kodwa-ke, amathuba abo aphansi ↓. Konje, ngisho nangemva kokushona komuntu obolekayo, imininingwane ngaye isagcinwa 3 konyaka.

Kuvela ukuthi ukuthonya idatha emlandweni wesikweletu, futhi ngisho nokususa kakhulu, kumane nje akunakwenzeka... Umbiko ukhishwa unolwazi mayelana nemalimboleko, inani lesikweletu, kanye nokubambezeleka okuvunyelwe.

Umlando wesikweletu namuhla ungenye yezinkomba ezibaluleke kakhulu zokuxazululwa kwalowo obolekayo. Ababolekisi abaningi bayayinaka. Ngakho-ke, kubaluleke kakhulu ukuzama ukungonakalisi idumela lakho.

Kodwa-ke, uma umlando wakho wesikweletu usuvele wonakele, kunethuba lokukulungisa. Kepha kufanele kukhunjulwe ukuthi le yinqubo ende ezodinga umzamo omkhulu kumboleki.

Ekugcineni, sincoma ukuthi ubuke ividiyo yokuthi ungahlola kanjani futhi ulungise umlando wakho wesikweletu:

Konke lokho okwethu.

Sifisela abafundi bephephabhuku lezezimali i-Ideas for Life ukuthi babe nomlando omuhle wesikweletu. Uma kukubi, sethemba ukuthi ungayilungisa ngokushesha futhi kalula.

Uma unemibuzo, ukuphawula noma okungeziwe kulesi sihloko, bese ubhala kumazwana angezansi. Sizobonga futhi uma wabelana nabangane bakho ngalendatshana ezinkundleni zokuxhumana. Kuze kube yisikhathi esilandelayo!

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