Imali ebolekiwe - ungakuthola kanjani futhi kuphi ekhadini ngokuphuthumayo ngaphandle kokuhlola izeluleko zakho zomlando wesikweletu + kulabo abadinga imali nge-CI embi nokubambezeleka

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Ngibingelela abafundi be-Ideas for Life! Namuhla sizokutshela ukuthi ungaboleka kuphi imali nokuthi ungayithola kanjani ekhadini ngokuphuthumayo ngaphandle kokubheka umlando wakho wesikweletu online, nokuthi yini okufanele uyenze lapho udinga imali ngomlando wesikweletu esibi kanye nokubambezeleka kokukhokha.

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

Ekupheleni kokushicilelwa uzothola izeluleko zochwepheshe zokuthi ungaphuma kanjani emgodini wesikweletu, kanye nezimpendulo zemibuzo ethandwa kakhulu.

Ngakho-ke siyahamba!

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	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 ungaboleka kanjani imali nokuthi kuphi (ekhadini ngokuphuthumayo ngaphandle kokubheka umlando wakho wesikweletu), nokuthi ungaya kuphi uma udinga imali nge-CI embi nokubambezeleka - funda kulo magazini

1. Yini okufanele uyenze uma udinga imali ngokuphuthumayo ngesikweletu? 📄

Akuwona wonke umuntu okwazi ukusabalalisa imali ngendlela yokuthi izokwanela umholo. Ngaphezu kwalokho, akekho ongavikeleki ezimweni ezingalindelekile. Ezimweni ezinjalo, kuphakama umbuzo wokuthi ungaboleka kuphi imali.

Enye yezinketho ezimweni ezinjalo kungaba ukuthola ukubolekwa ekhadini lasebhange. Imali ebolekiwe ekhadini ikhishwa amabhange futhi izinhlangano zezimali ezincane... Lokhu kuzothatha isikhathi esincane kakhulu: empeleni kuzodingeka kusetshenziswe imizuzu embalwa ukugcwalisa isicelo esiku-inthanethi, ngeke kusetshenziswe isikhathi esingaphezu kwekota yehora ukwenza isinqumo sombolekisi nezimali zokubonga.

Kumongo wayo, insizakalo yokubolekisa imali ekhadini lasebhange imalimboleko encane ngokudlulisela imali kuthuluzi lokukhokha elilula.

Buhle (+) le nketho inokuningi. Asikho isidingo sokuhlangana nommeleli webhange ukuqedela isicelo bese uthola imali ebolekiwe. Ukuthola imali ngesikweletu ekhadini kwenziwa ngokuphelele kumodi online... Lokhu kungenziwa nganoma yisiphi isikhathi, nganoma yiluphi usuku lweviki.

Ochwepheshe batusa cabanga izikhathi ezimbalwa ngaphambi kokuxhumana nabakweletwayo. Le ndlela igwema ubunzima ngokukhokhelwa kwemali mboleko.

Kuyafaneleka ukuboleka imali ekhadini kuphela ezimweni ezilandelayo:

amabhange amakhulu enqaba ukukhipha izimalimboleko zabathengi;
kuqubuke izinkinga ezinkulu ezidinga ukuxazululwa ngaphambi kwesikhathi futhi izindleko zezimali azikwazi ukunikezwa;
lapho lingekho ithuba lokuboleka kubangani nezihlobo;
kunokuqiniseka ukuthi isikweletu sizokhokhwa ngokushesha okukhulu;
ngotshalomali lwezezimali, kuzokwazi ukuthola izinzuzo ezizobhekana nezindleko zokuhlinzeka ngemali mboleko.

Uma ukala ngokweqile amakhono akho, ungahlangabezana nezinkinga ezinkulu. Uma uthola imali ngesikweletu, kuzodingeka ukhokhe imali enkulu inzalo... Lokhu kuholela esidingweni sokuphatha ukwesekwa kwemali mboleko ngendlela efanelekile ngangokunokwenzeka. Ukubambezeleka kokukhokhelwa kwezinsuku ezimbalwa kuphela kubandakanya okukhulu ukwanda⇑ ukukhokhelwa ngokweqile... Ngakolunye uhlangothi, ngokukhokha ngaphambi kwesikhathi, ukonga kungenziwa ngokubala kabusha inzalo.

Izinsiza zanamuhla zokukhipha imali mboleko zikuvumela ukuthi uboleke imali cishe kunoma yiliphi ikhadi lasebhange. Kungenzeka abe umholo, evamile ukudonswa kwemali noma ngisho isikweletu... Kodwa-ke, kungcono kakhulu ukuba nekhadi elenzelwe wena uqobo. Uma umnikazi engakhonjisiwe kuyo, kungahle kube nezinkinga ngokufaka inkokhelo.

Kufanele kubhekwe, ukuthi lapho uthola imali ngesikweletu ekhadini lesikweletu, ukheshi kungaba nekhomishini. Inani lalo linqunywa yibhange elikhiphe ikhadi. Futhi, ukugwema ubunzima, kufanele uqiniseke ukuthi ikhadi liyasebenza futhi alikapheli.

Izinzuzo nobubi bokuthola imali ngesikweletu ekhadini lasebhange

2. Ubuhle nobubi bokuthola imali ngesikweletu ekhadini 📑

Ngaphambi kokuthatha isinqumo sokuboleka imali ekhadini, kubalulekile ukuhlola izinzuzo futhi ukulinganiselwa Ngale ndlela.

Phakathi kwama-pluses (+) kukhona okulandelayo:

Ukuntuleka kokuhlolwa kwesikweletu. Ngisho nalabo abanedumela elonakele bangathola imali ngesikweletu. Kungakho ithuba lesinqumo esihle ngesicelo liphakeme kakhulu.
Inombolo encane yemibhalo edingekayo. Ezimweni eziningi, kwanele ukwethula ipasipoti yakho. Kwesinye isikhathi kudingeka umazisi wesibili.
Kulula kohlelo lokuklama. Kungakapheli ikota yehora, imali ingafakwa ekhadini lasebhange.

Kodwa-ke, kukhona nobubi bokuthola imali ngesikweletu ekhadini (-):

Izigxobo eziphakeme. Imvamisa, inzalo yansuku zonke isetshenziselwa imalimboleko okukhulunywa ngayo. Zingaba kusuka ku- 0,8 ngaphambi 3,0 iphesenti. Izindleko eziphelele zonyaka zifinyelela 1 100 iphesenti.
Inani eliphansi lezimali ezitholiwe. Izinkampani eziningi azikhiphi ngaphezu kwe- 5 000-10 000 ama-ruble. Uma kwenzeka ukuphikisana okuphindaphindiwe kumbolekisi ofanayo, ungalindela ukukhulisa umkhawulo ube cishe cishe 50 000 ama-ruble. Kumongo wayo, ukuthola imali esikweletini kuyinto encane.
Isikhathi esifushane sokubuyisa. Imvamisa, kufanele ubuyise imali oyitholile ekhadini kungakapheli nenyanga. Uma inani lemalimboleko likhulu ngokwanele, ngeke kube lula ukulibuyisa ngesikhathi esifushane kangaka.

Futhi, ungakhohlwa ukuthi lapho uboleka imali ekhadini, ababolekisi babeka phambili izidingo ezibucayi mayelana nobudala bomboleki wesikhathi esizayo. Ezinye izinkampani zithi noma iziphi izakhamizi ezindala zingathola izimali kubo. Eqinisweni, ezimweni eziningi abantu abancane 25 iminyaka ekubolekiseni imali ekhadini wenqabe.

Ngemuva kokufunda konke okuhle nokubi kwendlela ebhekiwe yokuthola izimali ezidingekayo, wonke umuntu anganquma ukuthi kwamukeleka malini ngqo kuye.

Izinyathelo ezi-5 zokuboleka imali ekhadini ngokuphuthumayo nge-Intanethi (online)

3. Uyiboleka kanjani imali ngokuphuthumayo ekhadini online (nge-Intanethi) ngaphandle kokushiya ikhaya - imiyalo yesinyathelo ngesinyathelo 📝

Ukuthola imali ngesikweletu ekhadini, kwanele ukuchitha imizuzu embalwa bese unqoba Izinyathelo ezi-5... Kulokhu, awudingi nokuthi uphume endlini futhi uchithe isikhathi esiningi kolayini. Ukuthola imali masinyane ezikweletini, kubalulekile ukwazi ukulandelana kwezinyathelo okuzodingeka zithathwe.

Isinyathelo 1. Ukuthola ikhadi lasebhange

Ukuthola imali esikweletini ngendlela ecatshangelwe, okokuqala, awukwazi ukwenza ngaphandle ikhadi lasebhange... Namuhla, izakhamizi eziningi ezindala zinethuluzi elinjalo. Uma, ngasizathu simbe, ungakakwazi ukuthola ikhadi, kuzofanela ukwenze.

Cishe noma yimuphi umkhiqizo wepulasitiki ulungele ukuboleka imali. Kungaba njalo ukudonswa kwemalifuthi ikhadi lesikweletu... Kodwa-ke, kulokhu okugcina, kubalulekile ukubhekisisa ukuthi iningi lamabhange lithatha ini ikhomishini ngokukhipha imali kumakhadi wesikweletu.

Amabhange amaningi anamuhla anikeza amakhasimende awo ukuthi akhiphe ikhadi ngaphandle kokushiya ikhaya. Kwanele ukugcwalisa uhlelo lokusebenza oluhambisanayo kuwebhusayithi. Lapho ikhadi lasebhange selilungile, i-courier izoyiletha kunoma yiliphi ikheli elilula. Ngokushesha lapho lokhu kwenzeka, ungaqhubeka ngokuphephile esinyathelweni esilandelayo.

Isinyathelo 2. Ukuthola umbolekisi

Ukukhethwa kwenkampani lapho imali izobolekwa khona ekhadini kufanele kubhekwane nakho ngendlela efanelekile. Ngenxa yokuthandwa kwale ndlela yokuboleka, inani elikhulu labakhohlisi livele emakethe. Abazukuboleka imali kuphela, kepha bazofaka nezimali ezifanele ukukhokhelwa ikhomishini ngosizo olunikeziwe.

Ukuze ungabi yisisulu sabakhwabanisi, kubalulekile ukulandela imithetho eminingi lapho ukhetha umbolekisi:

funda ngokucophelela, uhlaziye futhi uqhathanise okunikezwa izinkampani ezahlukahlukene;
funda ngokucophelela isivumelwano semalimboleko ngaphambi kokusisayina;
funda izibuyekezo nolunye ulwazi mayelana nombolekisi kwi-Intanethi;
unake isithunzi nobude benkampani yesikweletu;
cabanga ngesipiliyoni sabangane nabantu obajwayele lapho uthola imali ngesikweletu ekhadini.

Imvamisa, banikela ngokuboleka izimali ngendlela ebhekiwe izinhlangano zezimali ezincane... Kodwa-ke, amanani nezinye izimo lapha zinjalo ukukhokha ngokweqile imali mboleko iphezulu kakhulu.

Ungaboleka imali ekhadini kwezinye amabhange... Kepha ukuphendukela kubo, kufanele uqonde ukuthi amathuba okuvunywa kwesicelo azoba phansi kakhulu, futhi ukuqinisekiswa kuphelele kakhulu kune-MFO.

Isinyathelo 3. Ukwenza isicelo online

Lapho umbolekisi ekhethiwe, kuwebhusayithi yakhe kuzofanela ugcwalise uhlelo lokusebenza... Ngokwesiko, iqukethe imininingwane eyisisekelo mayelana nalowo obolekayo. Ukugcwalisa uhlelo lokusebenza akudingi isikhathi esiningi nomzamo.

Kunemithetho eminingana, elandelayo ekhulisa amathuba esinqumo esihle:

lapho ufaka idatha yomuntu siqu, kufanele uqaphele ngangokunokwenzeka, ugweme ukuthayipha namaphutha;
akufanele ubhale amanga ngawe, kungenzeka ukuthi ukukhwabanisa kuzodalulwa bese kuthi lowo obolekayo nakanjani anqabe ukukhipha imali ngesikweletu;
ngaphambi kokuthumela isicelo esigcwalisiwe, kufanelekile ukusihlola ngokucophelela.

Kuphoqelekile ukuhlinzeka ngemininingwane yokuxhumana - umakhala ekhukhwini futhi Ikheli le-imeyili... Kulokhu, kubalulekile ukuthi ungenzi iphutha, ngoba kuzofanele baqinisekiswe besebenzisa ikhodi ethunyelwe. Ukuze imali ebolekiwe inikezwe ikhadi lasebhange, imininingwane yayo izodingeka - inombolo, isibongo kanye negama lomnikazi, isikhathi sokusebenza.

Kuyafaneleka ukucatshangelwa! Uma ikhadi lingabhalisiwe, kungaba nobunzima ekufakeni imali. Abanye ababolekisi babiza inani elincane kusuka ekhadini ukuqinisekisa ukuthi imininingwane efakiwe ilungile (imvamisa akusekho 10 ama-ruble). Ngemuva kokuqinisekiswa, imali ibuyiselwa kumnikazi.

Isinyathelo 4. Vumelana nemibandela yesivumelwano

Njengoba ukukhishwa kwemali ngesikweletu ekhadini kwenziwa ngaphandle kwesidingo sokuvakashela ihhovisi, ukuvumelana nemigomo kwenziwa ngaphandle kokusayina isivumelwano. Ngoba lokhu kuyasetshenziswa ikhodiithunyelwe kumboleki ngomlayezo we-SMS.

Ngokufaka inhlanganisela yezinombolo emkhakheni okhethekile, umboleki uqinisekisa isivumelwano nemibandela yokuthola imali ngesikweletu ekhadini. Izenzo ezinjalo, empeleni, zilingana nokusayinwa kwesivumelwano semalimboleko.

Isinyathelo 5. Ukukhipha imali

Awudingi ukulinda isikhathi eside ukuze uthole impendulo esicelweni osithunyelwe. Umbolekisi wenza isinqumo kungakapheli mizuzu embalwa.

Uma kuvela ukuthi kulungile, idokhumende lithunyelwa ku-imeyili yomboleki equkethe yonke imibandela yemalimboleko:

inani lezimali ezikhishiwe;
inani lenani lenzalo;
ukuvuthwa.

Ngemuva kwemizuzu embalwa, inani lemalimboleko litholwa ekhadini lasebhange lomboleki.

Akuthathi isikhathi esiningi nomzamo ukuthola imali ngesikweletu. Kodwa-ke, kufanelekile ukutadisha kusengaphambili ukuthi yiziphi izinyathelo okuzodingeka zithathwe kulokhu. Lokhu kuzosiza ukunciphisa isikhathi senqubo nokuxazulula inkinga ngokushesha okukhulu.

4. Lapho ungaboleka imali ekhadini ngokuphuthumayo ngaphandle kokubheka umlando wesikweletu futhi cishe ngaphandle kokwala - ukubuka konke kwamabhange e-TOP-3 📊

Labo abanomlando wesikweletu ongcolile kuzofanele baboleke imali ezinkampanini ezingayihloli. Ngokuphikisana nenkolelo evamile, lezi akuzona izinhlangano zemali ezincane kuphela. Amanye amabhange nawo athembekile kubabolekisi bawo.

Kunenzuzo enkulu ukuxhumana nalezi zinkampani, ngoba amanani azo aphansi, futhi inani nemigomo iphakeme. Ngezansi kukhona TOP-3 amabhange athandwa kakhulu ngamathuba aphezulu okuvunyelwa kwezicelo zokuthola imali ngesikweletu.

1) Ibhange iTinkoff

I-Tinkoff Ingabe ukuphela kwebhange eRussia elahle ngokuphelele amagatsha namahhovisi. Inkonzo yamakhasimende lapha yenziwa online nge-Intanethi noma ngocingo. Lokhu kukuvumela ukuthi ususe ngokuphelele isidingo sokuma kolayini, futhi usebenzise isikhathi ukufika egatsheni lasebhange.

Ukuthola imali ngemalimboleko, ungafaka isicelo lapha Ikhadi lesikweletu likaTinkoff Platinum... Isinqumo ngesicelo esifakiwe senziwa kungakapheli ikota yehora. Ngasikhathi sinye, ibhange lithembekile kumakhasimende anomlando wesikweletu owonakele.

Phakathi kwezinzuzo zekhadi lesikweletu likaTinkoff kukhona okulandelayo:

isilinganiso esiphansi – 19,9% ngonyaka;
ukutholakala kwesikhathi somusa kuya ku 55 izinsuku - uma ngalesi sikhathi isikweletu sikhokhiwe, ngeke kube nokukhokha ngokweqile;
ukutholakala kwemali ebuyiswayo - ngaphambi 30% yemali esetshenzisiwe ukuthenga ibuyiselwa kumnikazi wekhadi.

2) I-Alfa-Bank

I-Alfa Bank Ingenye yamabhange amakhulu waseRussia. Lapha ungathola imali ngesikweletu ekhadini lesikweletu.

Ngasikhathi sinye, akudingekile nakancane ukuba nomlando omuhle wesikweletu.

Imibandela esemqoka yekhadi lesikweletu imi kanje:

umkhawulo wesikweletu kuze kufike ku- 300 000 ama-ruble;
inzalo engenzi nzuzo kuze kube 60 izinsuku;
isilinganiso ekupheleni kwesikhathi somusa - 23,99% ngonyaka;
insizakalo yamakhadi yamahhala.

Phakathi kwe- izinzuzo I-Alfa-Bank ingahlukaniswa ngokwehlukana ukutholakala kwezinga eliphezulu... Kunama-ATM angaphezu kwezinkulungwane ezingamashumi amabili ezweni lonke, lapho ungakhipha khona imali ngokukhululeka okukhulu bese ukhokha inani lemalimboleko.

Ebhange elibhekiwe, kunethuba lokuthola imalimboleko yabathengi ngenani elikhudlwana - kuze kufike ku- 2 000 000 ama-ruble... Kodwa-ke, kuleli cala, ukubhekwa komlando wesikweletu kuzoba ngokuphelele.

3) I-VTB Bank yaseMoscow

AT I-VTB Bank yaseMoscow ungathola ikhadi lesikweletu. Le nkampani ihlola umlando wesikweletu njalo. Noma kunjalo, lokhu akwenziwa ngokucophelela lapha. Ngakho-ke, uma ungenazo izinkinga ezinkulu kakhulu ngedumela lakho, kungenzeka ukuthi uthembele esinqumweni esihle.

Elinye lamakhadi wesikweletu athandwa kakhulu e-VTB Bank yaseMoscow yi- "Tariff Low", imibandela eyinhloko yalo yile elandelayo:

umkhawulo wesikweletu ngaphambi 300 000 ama-ruble;
Isikhathi somusa ubude besikhathi 50 izinsuku;
isilinganiso ekupheleni kwesikhathi esingenanzalo - 23,9% ngonyaka;
ukubuyisa imali ngezinga le- 5% wezindleko zamakhadi.

Ukuthola ikhadi lesikweletu ku-VTB Bank yaseMoscow, udinga ukugcwalisa isicelo kuwebhusayithi. Isinqumo kuzodingeka silinde cishe ikota yehora. Uma impendulo inguyebo, kusalokhu kuvakashela ihhovisi lasebhange bese ulanda ikhadi. Kufanele ube nomazisi.

Ukwenza kube lula ukuqhathanisa izinhlelo ezethulwayo, izimo zazo eziyinhloko zifingqiwe etafuleni elingezansi.

Ithebula "Izinhlangano zezikweletu ezinemibandela engcono kakhulu yokunikeza imalimboleko ekhadini":

Inhlangano yezikweletu	Umkhawulo omkhulu wesikweletu ekhadini	Usayizi wesikhathi somusa	Linganisela ekupheleni kwesikhathi esingenanzalo	Design umehluko wemisindo nemiqondo yamagama
Ibhange iTinkoff	Ama-ruble angama-300,000	Izinsuku ezingama-55	19.9% ngonyaka	Zingakapheli izinsuku eziyi-1-2, ikhadi lilethwa kukheli elishiwo
I-Alfa Bank	Ama-ruble angama-300,000	Izinsuku ezingama-60	23.99% ngonyaka	Isinqumo ngesicelo esiku-inthanethi senziwa kungakapheli imizuzu embalwa
I-VTB Bank yaseMoscow	Ama-ruble angama-350,000	Izinsuku ezingama-50	23.9% ngonyaka	Uma kunesinqumo esivumayo ngesicelo esikhishwe kuwebhusayithi yebhange, ikhadi kufanele lilandwe egatsheni eliseduze

* Ngemininingwane esesikhathini ngemigomo yokubolekwa kwemali, bheka amasayithi asemthethweni.

5. Ngingayiboleka kuphi imali uma ngidinga imali ngokuphuthumayo ngomlando omubi wesikweletu nokubambezeleka kwepasipoti - ukubuka konke kwama-TF-3 MFOs 📋

Akuwona wonke umuntu okwazi ukufeza isinqumo esihle lapho exhumana nebhange. Kulokhu, ochwepheshe bayeluleka ngokuzama ukuthola imali ngesikweletu ekhadini ngenhlangano encane yemali... Vele, izimo ezinkampanini ezinjalo azivumi kangako. Kodwa-ke, cishe wonke umuntu angathola imali mboleko lapha. Ngaphezu kwalokho, ngokubuya okusheshayo nokuthola isamba esincane sesikweletu, ukukhokha ngokweqile kuzobe kungabalulekile.

Ngezansi kunemibandela yokukhipha imali ngemalimboleko 3ama-MFIs athandwa kakhulu.

1) Umuntu wemali

Indoda yemali - inhlangano yezimali ezincane lapho ungathola imali ngokushesha. Lapho becubungula isicelo, abanaki kangako izinga lomlando wesikweletu.

Ukuthola imalimboleko enkampanini, kwanele ukugcwalisa isicelo kuwebhusayithi. Kulokhu, kuphela ipasipoti, umakhala ekhukhwini futhi imephu, okuyofakwa kuzimali.

Isikhathi sokuqala oxhumana ngaso noMoneyman, uzothola kuze kufike 10 000 ama-ruble. Kodwa-ke, ukwanda komkhawulo wesikweletu kuyatholakala kumakhasimende ajwayelekile. kufika kuma-ruble angama-70,000.

UMoneyman uboleka imali isikhathi esithile kusuka 5 izinsuku ngaphambi 18 amasonto... Kusukela ngesikhathi sokubhaliswa kwesicelo kuze kube yilapho kutholwa izimali, akukho ngaphezu kwalokho 20 imizuzu.

2) IKredito24

Kredito24 iyinhlangano yemali encane lapho ungaboleka imali ekhadini ngaphandle kwezinkinga ngesikhathi esifushane.

Ngasikhathi sinye, awudingi ukunikela nganoma yiluphi ulwazi mayelana nomthombo wemali etholakele, kanye nenhloso yokuthola imali. Kwanele ukuthumela umbolekisi isikena noma isithombe esisezingeni eliphakeme sepasipoti yakho, kanye nemininingwane yekhadi lakho lasebhange.

Phakathi kwezinzuzo ezinkulu zokuboleka imali ekhadini kwaKredito24 kukhona okulandelayo:

umkhawulo wesikweletu - kufika kuma-ruble angama-30,000;
ayikho imali efihliwe;
isivinini esikhulu sokukhishwa - angiphinde 15 imizuzu;
izinga eliphezulu lokuvikelwa kokuthengiselana kwezezimali;
izindlela ezahlukahlukene zokukhokha - ngekhadi, ngokusebenzisa ama-e-wallets nabanye.

3) iLime-Zaim

ILime-Zaim unikeza ukuthola ngokushesha imali esikweletini ngaphandle kokunikeza ibheyili, ukuheha abaqinisekisi, ukuqoqa inani elikhulu lemibhalo.

Ukwamukela imali, kwanele ukuthatha izinyathelo ezimbalwa nje:

bhalisa kuwebhusayithi ye-MFO;
khomba umkhiqizo;
gcwalisa isicelo sokwamukela imali;
khetha isikhathi semalimboleko.

Ngemuva kokuvunywa kwesicelo, imali idluliselwa ekhadini. Kuzofanele zibuyiswe zingafika ku- 30 izinsuku. Ngokuya ngemali ekhokhwayo, ungathola imali mboleko eLime-Zaim kufika kuma-ruble ayi-100,000... Noma kunjalo, inani eliphakeme litholakala kuphela kumakhasimende ane- I-VIP-isimo... Ukuze uyithole, kufanele uthole imalimboleko ngenkuthalo bese uyikhokha ngesikhathi.

Amakhasimende ajwayelekile anelungelo lokusizwa ngamanani ancishisiwe. Ngokuhambisana nayo ngesikhathi 5 izinsuku, ayikho inzalo ekhokhiswayo kwimalimboleko.

Ngokuningiliziwe, imibandela yokuthola imali esikweletini ezinhlanganweni zezimali ezincane ezichaziwe ixoxwa etafuleni elingezansi.

Ithebula "TOP-3 MFOs elinemigomo evumelekile yemalimboleko":

Igama le-MFO	Inani lemali mboleko ekhishiwe	Isikhathi sokubuyisa	Linganisa
*Indoda yemali*	Ngaphambi 70 000 ama-ruble	Ngaphambi 18 izinyanga	1,85% nsuku zonke
Kredito24	Ngaphambi 30 000 ama-ruble	Ubukhulu 30 izinsuku	1,90% nsuku zonke
*ILime-Zaim*	Ngaphambi 100 000 ama-ruble	Ngaphambi 30 izinsuku	Ukuzimisela ngamunye

* Ungathola imininingwane esesikhathini ngemibandela yokubolekwa kwemali kumawebhusayithi asemthethweni.

Futhi, kwesinye sezindatshana zethu, sikhulume ngokuthi yimaphi amabhange anikeza imali mboleko enomlando omubi wesikweletu nokubambezeleka ngaphandle kokwenqaba.

6. Ungaphuma kanjani emgodini wesikweletu uma kungekho lapho ungathatha khona imali - izeluleko eziwusizo ezivela kochwepheshe 💎

Emphakathini wanamuhla, izimo azivamile lapho isakhamuzi sehluleka ukukhokha izikweletu zaso. Izizathu zalokhu zingahluka. Kepha imiphumela ivame ukufana. Isicupho sezikweletu singaholela hhayi kuphela ku- nciphisa ↓ amazinga okuphila, kodwa futhi nasekulahlekelweni okuphelele kwempahla yomuntu okweletayo.

Ungaphuma emgodini wesikweletu. Noma kunjalo, lokhu akulula ukukwenza. Kuzofanele uyiguqule ngokuphelele indlela ophila ngayo.

Okokuqala, kufanele ukuqonde lokho akufanele ucashe kubakweletisi... Lokhu kuziphatha ngeke kukusize ukuqeda isikweletu. Okwamanje, isithunzi somboleki sizomane sibi kakhulu. Lokhu kuzosibhebhethekisa isimo ebesivele sinzima njengoba isikweletu siqhubeka nokukhula ngenxa yenhlawulo.

Okwamanje, uma, lapho kuvela ubunzima, wazise umbolekisi ngokushesha, kungenzeka kakhulu ukuthi avumelane naye. Lapho udlulisela icala ekubeni khona kwesikweletu enkantolo, izindleko kuzodingeka zikhokhwe ngumuntu okhiphe imali. Kungakho ababolekisi imvamisa bengajahi ukuletha isimo kulesi sigaba..

Kubalulekile ukuthi izinkampani zezikweletu zibuyise imali yazo, ngakho-ke amaklayenti avame ukunikezwa izinketho ezahlukahlukene zokwakhiwa kabusha.

Imvamisa, esinye sezikimu ezilandelayo sisetshenziselwa ukwakhiwa kabusha:

Ukuhlehliswa kwenkokhelo.Kulokhu, ngeke kudingeke ukhokhe imali mboleko izinyanga ezimbalwa. Ngemuva kwesikhathi okuvunyelwene ngaso, izinkokhelo ziyaqhubeka zenziwe ngesikhathi esifanele.
Ukukhokhwa kwenzalo kuphela kwimalimboleko. Isikhathi esithile, umbolekisi uvumela obolekayo ukuthi akhokhe inzalo kuphela. Ngasikhathi sinye, inani lesikweletu alinciphi.
Umbolekisi uqinisa isikweletu. Kusukela manje, akukho nzalo noma izinhlawulo ezikhokhiswayo. Ngaphezu kwalokho, inani lokukhokha kungehliswa ↓ iye ezingeni elamukelekayo kumboleki. Kepha ungakukhohlwa lokho isikhathi kulokhu, kuzokwanda ↑.

Yikuphi isikimu esizonikezwa kuncike kuphela kwimibandela yesivumelwano. Imvamisa umbolekisi uyasicabangela isimo somboleki futhi aphakamise izindlela ezingcono kakhulu ngaye.

Esimweni esibi kakhulu, lapho izimo zempilo ziguquka futhi kungenzeki ukuthi ukhokhe isikweletu, kufanelekile ukuya enkantolo ngesicelo sokuqothuka.
Noma kunjalo, kufanele kukhunjulwe engqondweni ukuthi esimweni esinjalo, ukuqoqwa kuzokhokhiswa endaweni yomuntu okweletayo.

Izeluleko ezi-6 eziwusizo zokuthi ungaphuma kanjani emgodini wesikweletu uma kungekho lapho ungathola khona imali

Ithiphu 1. Unqabe ngokuphelele ukukhokha

Kubalulekile ukuvumelana nombolekisi ekukhokheni okungenani inani eliphansi. Ngisho 10% imali engenayo ivame ukwanele ukuqala ukunciphisa isikweletu ↓.

Ithiphu 2. Susa kuqala imali mboleko ebiza kakhulu

Imvamisa, ukuwela ogibeni lwesikweletu kuhlotshaniswa nokwenziwa ngokunganaki kwenani elikhulu lezivumelwano zokuthola imali ngesikweletu. Esimweni esinjalo, okokuqala, kufanele ususe leyo mali mboleko, inzalo okuyiyo ephezulu kakhulu.

Ukukhokha izikweletu ezinjalo kubiza kakhulu. Ngakho-ke, kufanele bakhokhelwe ngokushesha okukhulu. Ngasikhathi sinye, ungakhohlwa ngezimalimboleko ezisele. Uma wenqaba ngokuphelele ukubabuyisela, kubi inhlawulo.

Ithiphu 3. Zama ukuthola imali esikweletini ukuze uphinde wenze imali ebolekiwe ekhona

Isevisi yokuxhaswa kabusha imali ithandwa kakhulu namuhla. Ikuvumela ukuthi ukhokhe imali mboleko ekhona ngokusayina isivumelwano esisha sokuthola imali ngesikweletu.

Ukuphinda unike imali kunezinzuzo eziningana:

ukuhlanganisa imalimboleko eminingana ibe yinto eyodwa;
↓ ukuncishiswa kwenkokhelo yanyanga zonke ngenxa yokwenyuka ngokwemigomo;
Ukwehliswa rate kwezinga lenzalo, yingakho ukukhokhwa ngokweqile.

Kodwa-ke, akufanele ukholelwe ngamehlo engqondo izethembiso zokukhangisa bese ngokushesha ushesha ukufaka isicelo sokuthola imali kabusha.

Ngokuyinhloko kufanele ufunde ngokucophelela imigomo yokunikezwa, uthole ukuthi yimaphi amaphesenti namakhomishini.

Ngemuva kwalokho kuyadingeka ukubala izindleko zokuhlinzeka ngemalimboleko yokuphinda unike imali bese uyiqhathanisa nezindleko zemalimboleko yamanje. Le ukuphela kwendlela yokuqonda ukuthi kusizakala kanjani ukuphendukela ekuxhasweni kabusha kwemali.

Lapho uthatha isinqumo sokusebenzisa lesi seluleko, kufanele ucabangele, ukuthi isicelo sokuxhaswa kabusha sicatshangelwa ngendlela efanayo nemalimboleko yendabuko.
Ngakho-ke, ezimweni lapho kunamaphutha amakhulu emlandweni wesikweletu kanye nobukhona bobubi obukhona, kuzoba nzima ukuthola imvume yombolekisi.

Uma unedumela elibi, ungazama ukuthola imali mboleko ngenani lenzalo ephezulu ngesikhathi eseluliwe. Lokhu kuzosiza ukunciphisa inkokhelo yakho yanyanga zonke.

Sikweluleka futhi ukuthi ufunde i-athikili yethu: "Kuyini ukukhokhelwa kabusha kwemali mboleko nokuthi kuhamba kanjani."

Ithiphu 4. Funda ukuhlela izimali

Ukuphuma emgodini wesikweletu kusiza abanekhono ukuhlela ezezimali... Kubalulekile ukucubungula ngokuningiliziwe nangokunembile imali engenayo futhi izindleko... Uma lokhu kwanda ngesizathu esithile kukhuphuka, kufanele ushintshe indlela oziphatha ngayo kwezezimali. Lokhu kuzosiza ukukhulisa imali eyengeziwe ukuxazulula izinkinga.

Ithiphu 5. Khulisa umholo wakho

Imvamisa, nokuhlela kahle kwezezimali akusizi ukubhekana nomthwalo wezezimali. Esimweni esinjalo, okuwukuphela kwekhambi elilungile kungaba ukufuna eminye imithombo yemali engenayo.

Kodwa-ke, akufanele ulithathe kancane leli phuzu futhi uhlanganyele ezenzakalweni ezahlukahlukene. Lokhu kuvame ukwenza isimo esinzima sibe sibi kakhulu. Kungcono kakhulu ukuthola umsebenzi wangempela ohlangothini.

Ithiphu 6. Susa okweqile

Imvamisa, izindleko ziyanda ngenxa yobukhona bezinto ezibizayo okufanele zigcinwe. Uma uzisusa, ungasithuthukisa kakhulu isimo sakho sezezimali. Ngokwesibonelo, ungashintsha imoto enkulu ube yimoto encane.

Ngaphezu kwalokho, namuhla ungathengisa kalula izinto ezingadingekile ngezingosi ezikhethekile kwi-Intanethi. Lokhu kuzosiza hhayi kuphela ukuvula indawo yokuhlala, kodwa futhi kuzoletha imali eyengeziwe engasetshenziswa ukukhokha isikweletu.

Ukulandela amathiphu angenhla kuzokusiza ukuphuma esikweletini. Kepha kufanele kukhunjulwe ukuthi lena inqubo ende futhi kuyadingeka ukuthi isebenze ngokungaguquguquki.

7.Imibuzo Ebuzwa Njalo (FAQ) 💬

Enkambweni yokutadisha isihloko sokuthola imali ngesikweletu ekhadini, kuphakama imibuzo eminingi. Ukuze abafundi bethu bangachithi isikhathi kuseshwa, ngokwesiko sinikeza izimpendulo ezithandwa kakhulu kubo ekugcineni kokushicilelwa.

Umbuzo 1. Ungamtholaphi umuntu ozoboleka imali ngenzalo ngaphambi kosuku lokuhola ngaphandle kwesibambiso?

Ukuthola umtshalizimali ozimele ozoboleka imali akunzima namuhla. Ngesicelo, injini yokusesha ikhipha inani elikhulu lezinketho. Iningi lazo iziphakamiso vula amabhodi emiyalezo... Kuhlala ukukhetha kuzinketho ezitholakalayo eyodwa lapho izimo zisebenza kahle khona.

Kodwa-ke, akuyona yonke into elula kangako. Ubunzima bulele ekugwemeni ukuxhumana abakhwabanisi futhi labalamuli.

Izibalo ziyakuqinisekisa lokho 50% wezikhangiso ezabaxhumanisi, nokuningi 40% kuholela kubakhwabanisi noma kumawebhusayithi ezinhlangano zezimali ezincane. Kuyavela ukuthi kuphela i-10% yezikhangiso ezikwi-intanethi ezivela kubabolekisi abazimele abathembekile.

Umthetho obaluleke kakhulu okumele ulandelwe ukuze ugweme imikhonyovu yile: akudingekile ukuthi udlulisele imali ekhokhwa kusengaphambili kumboleki kuze kube yilapho imali itholakele.

Imibandela yomtshali-zimali othembekile yile elandelayo:

okweletwayo uqobo ufuna ukuthi ukuthengiselana kubhalwe phansi;
isilinganiso semalimboleko asikwazi ukuba ngaphansi 25% (ezimweni eziningi kuze kufike ku- 50%);
akudingeki ukuthi uqinisekise umqashi futhi unikeze isiqinisekiso;
kwezinye izimo, ababolekisi badinga isibambiso (uma imali ikhishwa ekwakheni nasekuthuthukiseni ibhizinisi, isabelo enkampanini singasetshenziswa njengoba sinjalo);
umbolekisi othembekile akalokothi agweme umhlangano womuntu obolekiwe.

Uma zonke lezi zimo ezingenhla zijwayelekile kumtshali-zimali okhethiwe, kungenzeka ukuthi akukho okumele ukhathazeke ngakho.

Kodwa-ke, kunezimpawu ezimbalwa zabakhwabanisi nabalamuli:

imibandela yobufakazi obudingekayo bemali engenayo iyisibonakaliso sokuthi awuyena umtshali-zimali, kodwa ungumxhumanisi webhange;
ukwenqaba ukunikeza imininingwane yokuxhumana yomuntu siqu (inombolo yocingo ephathekayo);
Olunye uphawu lomxhumanisi ozogcina ekhipha imali ebolekelwa ikhasimende ukwenqaba ukusebenza uma kukhona ukubambezeleka;
kunemikhawulo yeminyaka yokuthola imali ngemalimboleko;
imali ayinikezwa izakhamizi ezinemvume yokuhlala ezifundeni ezithile;
uphawu lokuthi une-MFI phambi kwakho isixhumanisi esiya kuwebhusayithi esikhundleni semininingwane yokuxhumana.

Sikweluleka futhi ukuthi ufunde indatshana yethu yokuthi ungaboleka kuphi imali ngokuphuthumayo ngokumelene nesiliphu esivela kubantu abavamile (abantu ngabanye).

Umbuzo 2. Ngidinga imali namuhla ngokuphuthumayo ngekhadi lasebhange elidlulelwe yisikhathi. Ungasitholaphi masinyane isikweletu ngaphandle komsebenzi kanye nenzalo?

Izimo lapho imali idingeka ngokuphuthumayo zingavela kuwo wonke umuntu. Uma kukhona ukubambezeleka, ukusesha kungaba nzima kakhulu. Noma kunjalo, kuhlale kunezinketho zokuthola imali esikweletini. Ngezansi kukhona okudume kakhulu.

Ukuboleka imali ezihlotsheni nakubangani. Le nketho ivame ukufika engqondweni kuqala. Kodwa-ke, akwamukelekile ngaso sonke isikhathi. Izihlobo kungenzeka zingabi nayo imali edingekayo. Ngaphezu kwalokho, kufanele uchaze ukuthi kungani udinga imali. Noma kunjalo, okuningi 80% yezakhamizi, lapho zizama ukuboleka imali, zisebenzisa le nketho. Lokhu kuyiqiniso ikakhulukazi kubantu asebekhulile.
Ukuthola imali ngokuqasha ikhaya lakho.Kujwayelekile ukuthi izakhamizi ezisencane zifune izinketho zokudala ukuheha izimali ezengeziwe. Enye yazo ukuhlala nezihlobo futhi uqashe ifulethi lakho.
Microcredit ngaphandle kwenzalo. Abantu abaningi bayazi ngobuhle nobubi bokuboleka imali kuma-MFIs. Kepha akuwona wonke umuntu owaziyo ukuthi izinkampani ezinjalo zivame ukusebenzisa imali mboleko ngaphandle kwenzalo njengokukhushulwa. Le sevisi iyatholakala kumakhasimende amasha.
Ukusetshenziswa kwezimali zamakhadi wesikweletu. Ngamafuphi, lena akuyona indlela yokuthola imali ngaphandle kwenzalo. Kodwa-ke, ngokusetshenziswa okulungile kwaleli thuluzi: ngokubuyisa imali ngesikhathi somusa nokuvimbela ukwanda kwamakhomishini, ungagwema ukukhokha ngokweqile.
Imalimboleko evela kumtshalizimali wangasese. Uma ufuna imali yokwakha noma yokuthuthukisa ibhizinisi, ungaxhumana nomtshalizimali wangasese. Esikhundleni senzalo, angafuna isabelo enkampanini.

Abantu abaningi bazama ukuthola imali mahhala ngokuya endaweni yomnikelo. Kodwa-ke, ngeke kwenzeke ukwenza imali ngokushesha ngaleyo ndlela. Okuwukuphela kwendlela ukunikela ngegazi 40 izikhathi noma i-plasma 60 futhi ube ngumnikeli ohloniphekile... Kulokhu, isakhamuzi siyoba nelungelo lokuthola izinkokhelo zanyanga zonke, uhambo lwamahhala oluya esibhedlela Njalo ngonyaka, isinxephezelo sokuhamba.

Ukuxazulula ubunzima bezezimali, abaningi bazama ukuthola imali ngemalimboleko ekhadini lasebhange ngemodi online... Ukuze wenze lokhu kube nenzuzo futhi isebenze ngangokunokwenzeka, kubalulekile ukuthi uzijwayele ngama-nuances ale nqubo.

Ekuphetheni, sincoma ukubukela ividiyo yokuthi ungaboleka kanjani imali futhi kuphi ngokushesha:

Futhi ividiyo yalabo abadinga imali ngokushesha ezikweletini, noma benomlando omubi wesikweletu nokubambezeleka okwamanje

Ithimba leMibono ye-Life lifisela bonke abafundi inhlalakahle yezezimali. Uma kunesidingo sokuthola imali ngemalimboleko, ake ukwenze lokho ngokunenzuzo ngangokunokwenzeka!