Imalimboleko evela kumuntu oyimfihlo ngokungayitholi - umhlahlandlela wokuthi ungayithatha kanjani imalimboleko yangasese ngaphandle kokukhokha kusengaphambili nokuthuthuka + izindlela ze-TOP-5 zokuthola imalimboleko kumtshalizimali wangasese
Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Namuhla sizokutshela ukuthi ungayithatha kanjani kahle imalimboleko evela kumuntu oyimfihlo ngokungayitholi nokuthi ungathola kuphi imalimboleko yangasese ngaphandle kokukhokha kusengaphambili ngemizuzu engu-5-15.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Isidingo semali singavela ngokungalindelekile futhi ngokuphuthumayo, ngakho-ke kubalulekile ukuba nemininingwane ephelele ngalesi sihloko ukuze uzivikele enkingeni.
Kulesi sihloko uzofunda:
- Iyini imalimboleko yangasese nokuthi ungayithola kanjani ungayitholi - izici ezihlukile nezici;
- Ungamthola kanjani umtshalizimali onokwethenjelwa wemalimboleko;
- Ungayakha kanjani kahle irisidi yemalimboleko evela kumuntu oyimfihlo.
Sizobheka nezingibe zemalimboleko yangasese bese sizama ukuphendula imibuzo edumile esihlokweni.
Le ndatshana izothakazelisa kulabo abadinga usizo oluphuthumayo lwezezimali nakubantu abahlinzeka ngemali mboleko yangasese uma bengayitholi. Kungakho kufanele ukutadishe khona manje.
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 mayelana nokuthi ungayithola kuphi imali mboleko yangasese ngaphandle kokuthola imali ngaphambi kwesikhathi kanye nokukhokhelwa kusengaphambili, ukuthi kulula kanjani ukuthola imali kumuntu oyimfihlo ngokumelene nerisidi, nokuthi ungayihlela kanjani ngendlela efanele - funda kulo magazini
1. Iyini imalimboleko yangasese uma ungayitholi - ukubuka konke ngomqondo 📋
Imakethe yezezimali inikela ngezimalimboleko ezahlukahlukene, kepha ukuzithola kudinga isikhathi nokugcwaliseka kwezimo ezithile. Sibhale ngokuningiliziwe mayelana nemalimboleko yabathengi esihlokweni esedlule.
Lapho kungenzeki ukufeza izidingo zebhange, baphendukela kubatshalizimali abazimele. Izinhlelo zabo zokukhishwa nokubuyiselwa kwemali mboleko zihlukile kunalezo zezikhungo zezikweletu. Ingqikithi nobunjalo bemalimboleko kuyafana.
Imalimboleko evela kumuntu oyimfihlo ngokungayitholi imele ukukhishwa kwezimali ngumbolekisi kumbolekisi ngezimo ezithile. Izici zabo yilezi isamba, isikhathi, ubukhulu futhiinzalo yemalimboleko.
Umtshalizimali wangasese ungumhlanganyeli wemakethe yezezimali ohlinzeka ngemali mboleko futhi athola inzalo kusuka kuthengiselwano. Abatshalizimali ngabantu ngabanye kanye nezinhlangano zezezimali ezincane (MFIs).
Irisidi ngumbhalo onquma iqiniso lokuthatha imali mboleko ezimweni ezithile.
Isivumelwano semalimboleko - isivumelwano semalimboleko. Ibeka imibandela yokukhishwa nokubuyiselwa kwemali, amalungelo nezibopho zamaqembu.
Imalimboleko enjalo iyathandeka kubantu abangenawo umsebenzi noma amaklayenti abekade bengazifezi izibopho zabo zemalimboleko ngesikhathi futhi benqatshwa yisikhungo sezikweletu. Ukukhulisa imali okunjalo kuyabiza kakhulu kunemikhiqizo yasebhange, kepha kunikezwe nge isivinini esengeziwe futhi iphakethe elincane lemibhalo.
Ngokwesibonelo:
Ngaphelelwa yimali, futhi kusasele amasonto amabili ukuthi ngikhokhe. Udinga ukuthatha 10 (okuyishumi) inkulungwane ama-ruble vula Izinsuku eziyi-14... Akekho umuntu ongaboleka kuye, amabhange awahlinzeki ngamanani anjalo, futhi usebenza ngaphandle kokubhaliswa okusemthethweni, ngakho-ke awukwazi ukuletha isitifiketi somholo.
Kulokhu, ungaya kusayithi elihlinzeka ngemali mboleko ngokutholwa, khetha umtshalizimali bese uthola Ama-ruble ayizinkulungwane eziyi-10... ekhadini.
Sikhulume ngokuthi singayithathaphi imali mboleko yosuku lokukhokha ngomlando wesikweletu esibi esihlokweni esedlule.
2. Imalimboleko evela kumuntu ozimele (umtshalizimali) - ubuhle nobubi 📑
Umtshalizimali ozimele ayihloli solvency futhi ukwethembeka ikhasimende, ngakho-ke ukuthengiselana kuphakeme izingozi... Leli qiniso lichaza izindleko zensizakalo, libiza kaningi kunemali ebolekiwe yasebhange.
Ababolekisi banezindlela ezinzima zokubuyisa imali mboleko kulabo ababoleke ngokweqile. Uma kwenzeka kukhokhwa kungakabi isikhathi kwemalimboleko, ababolekisi bagcina ilungelo lokufaka isicelo ezinhlanganweni zokuqoqa, kubaphathi bezomthetho, njll.
Izinzuzo ze (+) mboleko ezivela kubatshalizimali abazimele
Ukuthandwa kwale sevisi kuqinisekiswa yi izinzuzo:
- Ubulula nesivinini esikhulu sokuthola... Ukuqoqwa kwemibhalo kuzothatha kusuka osukwini olulodwa, lapho-ke isikhungo sekhredithi sicubungula isicelo. Ngemali mboleko enkulu, kuthatha ngaphezulu Izinsuku ezingama-2-3... Lapho kutholwa imali mboleko enkulu, njengomthetho, kudingeka isibambiso sokuthengiswa kwezindlu, okwenziwa kube semthethweni ngekamelo lokubhalisa, kuthatha kufika ezinsukwini ezingama-30... Kuvela ukuthi empeleni, kusukela ekutholeni isicelo kuya esikhungweni sesikweletu noma kwi-MFO, kuya ekunikezelweni kwemalimboleko (imalimboleko) kusuka ezinsukwini ezintathu kuya kwezingu-30... Izinhlangano ezinjalo zinganikela ngamanani amancane ngokushesha, kepha imvamisa kukhona umkhawulo omncane wentengiselwano ngayinye (cishe ama-ruble ayizinkulungwane eziyi-10-20).
- Izinga lokunciphisa eliphansi lezinhlelo zokusebenza, yenza insizakalo itholakale kubasebenzisi abahlukahlukene.
- Ukukhishwa kwenziwa ngokuya ngenani eliphansi lemibhalo... Inani elincane linikezwa kuphela nepasipoti.
- Obolekayo anganikeza imigomo yakhe... Uma ibhange linezidingo ezithile zomboleki, kufanele zigcwaliseke nakanjani; nabatshalizimali abazimele, iklayenti linelungelo lokunikeza imibandela yalo yokuvumelana nomtshalizimali.
- Ukuthola imali mboleko enkulu kuvikelekile... Imali mboleko emelene nezibambiso inikezwa ngaphandle kokubhaliswa kokuthengiselana, ukukala kanye nokuqinisekisa impahla, ngakho-ke ukukhishwa kuyashesha ukwedlula esikhungweni sezikweletu.
Uma umuntu enomlando omubi wesikweletu, alikho ithuba lokukhokha imalimboleko ngesikhathi, angaxhumana nombolekisi wangasese. Umbolekisi unelungelo lokushintsha imigomo yesivumelwano, ahlehlise ukukhokhwa kwemali mboleko.
Okubi (-) kwemali mboleko evela kumtshalizimali wangasese
Kwa okungekuhle Izikhathi zale nsizakalo zingahlukaniswa:
- Izinga lenzalo ephezulu... Ubungako bayo bungaphakama izikhathi eziyizinkulungwane kunebhange; isikhathi esifushane semalimboleko sisiza ukunciphisa inani lokukhokha ngokweqile.
- Ingozi yokuthola umkhonyovu... Kukhona amathuba aphezulu okuwela ezandleni zabakhwabanisi abenza imali kumakhasimende akhohliseka kalula.
- Izindlela ezinzima zokukhokha izikweletu ezisilele emuva... Kukhona amathuba okulahleka kwempahla ebanjiswe ngempahla ngaphandle kokubuya.
Izinhlobo zemalimboleko yangasese
3. Izinhlobo zemalimboleko ezimele - izigaba ezi-3 eziyinhloko 📄
Ngokuya ngezici zabo, imali mboleko yangasese yilezi zinhlobo ezilandelayo:
Uhlobo 1. olungavikelekile (imali mboleko engaphephile)
Lezi zimali mboleko zikhishwa ngokutholwa ngaphandle kwesibambiso. Imvamisa, inani eliphakeme kufika kuma-ruble ayizinkulungwane ezingama-50., umkhawulo omncane uhlukile (kusuka kuma-ruble ayizinkulungwane eziyi-1). Isikhathi semalimboleko enjalo sifinyelela kumaviki ama-2.
Ukuze uthole imali mboleko, kudingeka ipasipoti kuphela, ubukhona bokubhaliswa unomphela lapho uhlala khona. Umlando wezimalimboleko ezibuyiselwe phambilini kanye nokuxazululwa kwekhasimende akuhlolwe.
Thayipha i-2 evikelekile (imali mboleko ehlanganisiwe)
Imalimboleko inikezwa ngemali evikelwe yisibambiso. Imali mboleko isiyonke kusuka Ama-ruble ayizinkulungwane ezingama-500 kufika kuma-ruble ayizinkulungwane eziyizinkulungwane ezinhlanu., isikhathi seminyaka eminingana, senziwa ekuvikelekeni kwezindlu (amafulethi, amakotishi asehlobo, umhlaba, igalaji), imoto noma enye impahla ebizayo. Izinga lenzalo yemalimboleko enjalo lingaphansi kwesilinganiso.
Funda ngemalimboleko evikelwe yimoto nemalimboleko evikelwe yi-PTS ezincwadini ezihlukile.
Okubalulekile! Imalimboleko ehlanganisiwe ayidingi ukulinganiswa kwempahla nokubhaliswa, umshuwalense wempilo nempilo yalowo obolekayo. Abatshalizimali ngokwabo bahlola impahla ebolekiwe yomboleki, benza isaphulelo esimangazayo kusuka kunani lemakethe.
Isivumelwano sesibambiso siphothulwa phakathi komboleki nomtshali-zimali. Uma imigomo yesivumelwano ingagcwaliseki ngesikhathi, umamukeli wemalimboleko usengozini yokushiywa ngaphandle kwempahla ebanjiswe.
Imininingwane yokuthi ungayithola kanjani imali mboleko evikelwe yifulethi ichazwe endatshaneni yethu edlule.
Thayipha 3. Impahla ebanjiswayo (imali mboleko ngaphansi kwesivumelwano sokubuyisa emuva)
Kulokhu, obolekayo udlulisela ubunikazi bempahla kumbolekisi. Kuya kokulahlwa okweletwayo. Ukubuyela emuva kungenzeka ukubuyisa impahla ebanjiswe ngempahla kuphela ngokukhokhwa okugcwele kwesikweletu.
Kumbolekisi, lolu hlobo lwemalimboleko yilona olutholakala kakhulu ephephile, futhi obolekayo angaletha enkulu izinkathazo.
Lapho kubhalwa izifungo noma izivumelwano zokubolekwa kwempahla, iseluleko sezomthetho siyadingeka ukunciphisa amathuba okulahleka kwempahla.
Izindlela ezifakazelwe zokuthola umhlinzeki wemalimboleko wangasese
4. Ungasitholaphi isikweletu esizimele - izindlela ezi-TOP-5 zokuthola umtshalizimali ozimele 💸
Ukuthola umtshalizimali kuyinto eza kuqala kuqala yokuthola imali mboleko. I-Intanethi inikeza ukukhetha okukhulu kwabantu abafuna ukunikeza imali mboleko, kepha kukhona amathuba aphezulu okuhlala ngaphandle kwemali futhi ngaphandle kwempahla, ukudweba amarisidi wabakweletisi abangaqinisekisiwe.
Ngakho-ke, ake sibheke izindlela ezidume kakhulu zokuthola abantu ngezimalimboleko.
Indlela 1. Ngabangane noma ngabantu abanolwazi
Okokuqala, kungcono ukuxhumana nabangane bakho abake basebenzisa izinsizakalo ezinjalo. Noma kubantu abanolwazi mayelana nemalimboleko. Laba kungaba abasebenzisi abakhuthele bezinkundla ze-thematic kwi-Intanethi ngamazwana nezingxoxo zangempela.
Kulokhu, njengomthetho, banaka indawo yomtshalizimali, ukuthi ngabe umhlangano womuntu uyadingeka yini ukucubungula yonke imigomo yokuthengiselana.
Indlela 2. Ngamabhodi emiyalezo
Abezindaba (emaphephandabeni, kwabezindaba noma kwi-Intanethi) bavame ukukhangisa ngokuhlinzekwa kwezimali. Le ndlela yokuthola imalimboleko kumuntu oyimfihlo ilungile uma imali idingeka ngezidingo zomuntu ngokungatholakali.
Indlela 3. Nge-WebMoney
Uhlelo lokukhokhela i-elektroniki iWebMoney luhlinzeka ngezinsizakalo zokuboleka abantu. Kukhona ithuba lokuthola izimali ngaphansi komkhawulo othile wokuthembela.
Imalimboleko ikhishwa ezweni lonke, noma ngabe uhlala kuphi. Lapha ungathola umbolekisi ehlinzeka ngemali mboleko evikelwe yibhizinisi eliku-inthanethi, njengewebhusayithi yakho.
Kusuka esikhwameni esibonakalayo seWebMoney, imali idluliselwa ekhadini lomboleki.
Indlela 4. Ngabalamuli bezezimali
Uma kungekho isikhathi nolwazi oluphelele ngemalimboleko, okungcono kakhulu ukuxhumana nabathengisi abaphakathi. Bazoqinisekisa ukuthembeka nokuba semthethweni kokuthengiselana, bakusize ukhethe izinketho ezamukelekayo kakhulu.
Imisebenzi yabashintshi ayihlanganisi kuphela ukufunwa kotshalomali, kepha nokulungiswa kwayo yonke imibhalo, ukwenziwa kokuthengiselana. Kepha kufanele kukhunjulwe ukuthi izindleko zesevisi ziyenyuka.
Indlela 5. Ngokusebenzisa inhlangano yabatshalizimali
Izinhlangano zabatshalizimali zikhona kunoma yiliphi idolobha elikhulu. Bayinhlangano ehlanganisa ndawonye ababambiqhaza kunqubo yokutshalwa kwezimali.
Inhloso yenhlangano yabatshalizimali ukutshala imali kumaphrojekthi athembisayo.
Kukhona ne-athikili ehlukile kuwebhusayithi yethu, esitshela ngokuningiliziwe ukuthi ungayithathaphi imali uma uyidinga ngokushesha - sincoma ukuthi uzijwayeze ngayo.
Isinyathelo ngesinyathelo sokuthola imalimboleko ngaphandle kokukhokhelwa kusengaphambili okuvela kumuntu wangasese uma ungakutholi
5. Ungayithola kanjani imalimboleko kumuntu oyimfihlo ngokungayitholi - izinyathelo ezilula ezi-7 📝
Ukuthatha imali mboleko ngokuthola imali akunzima kangako. Ukuze wenze lokhu, kufanele udlule ezigabeni ezithile.
Isigaba 1. Ukukhetha umtshalizimali
Abatshalizimali bangaba izinhlangano zezimali ezincane futhi ngabanye... Ama-MFIs ahlinzeka ngamanani amancane isikhathi esifushane. Ababolekisi abazimele abanqunyelwe kumanani nangemigomo.
Kepha ngakolunye uhlangothi, izinhlangano zikhona izinhlangano ezisemthethweni, yenza ngaphakathi komthetho, ngeke kube khona abakhwabanisi futhi abaphangiakunakushiwo okufanayo ngabatshalizimali ngabanye.
Okubalulekile! Ukukhetha nokuhlonza umtshalizimali yisigaba esiyinhloko sokuthola imalimboleko kumuntu ozimele.
Ngaphambi kokukhetha umbolekisi othile, kuzodingeka uhlaziye ukuthi usebenze isikhathi esingakanani kule makethe, ukuthi ungubani idumela lakhe, futhi ufunde izibuyekezo ngaye kwi-Intanethi ezinkundleni.
Amanye amasayithi ahlinzeka ngezinsizakalo zokuhlinzekwa okukude kwezimali (okusho ukuthi izimalimboleko eziku-inthanethi - sibhale ukuthi ungayithatha kanjani i-microloan online ekhadini endatshaneni ehlukile). Lokhu kungenzeka kuphela esimweni semali mboleko encane; imibandela yokuthola imali enkulu kufanele ixoxiswane mathupha.
Isigaba 2. Ukukhethwa kwezimo ezifanele zekhredithi
Imalimboleko yangasese yehlukile kwimalimboleko yasebhange lapho umboleki anganikeza khona imibandela yakho yemalimboleko yokuvunywa... Amaphuzu avelele inani lokukhishwa, inzalo yemalimboleko, isikhathi, ukutholakala kwesibambiso.
Izinga lenzalo likhokhiswa nsuku zonke, inani lalo lixhomeke kokukhethwa ngumtshali-zimali kanye nemibandela yemalimboleko ngayinye. Imali mboleko emelene nezimali ezibanjwayo noma imali ebanjiswayo ikhishwa ngenzalo ephansi futhi isikhathi eside.
Inani lokukhokha isikweletu liyisibopho elicaciswe kurisidi enikeziwe, ngokwemigomo nangamagama. (Ama-ruble angu-50 000 (izinkulungwane ezingamashumi amahlanu)).
Isigaba 3. Ukukhethwa kwemigomo yokukhokha imalimboleko
Imalimboleko ingakhokhwa ngasikhathi sinye enanini elilodwa. Ngokwesivumelwano samaqembu, inani lemalimboleko lingahlukaniswa libe izingxenye eziningana ngesivumelwano samaqembu.
Uma kukhulunywa ngamanani kufika kuma-ruble ayizinkulungwane ezingama-50., imvamisa kuyanikezwa ukukhokhwa kwesikhathi esisodwa, kepha imali mboleko enkulu ihlukaniswe yaba izingxenye ukuze kube lula. Ngaphezu kwalokho, izikhungo zezikweletu zinikela ngohlelo lokukhokha ngokushesha kusuka ngenyanga ezayo, ngezigaba ezilinganayo.
Ngabatshalizimali abazimele, kungenzeka ukuthi nivumelane ngohlelo lokukhokhelwa kwemali mboleko, ngokuya ngezimo zomuntu ngamunye. Isivumelwano semalimboleko kumele siqukathe uhlelo lokukhokha, olunezinsuku ezithile namanani okufanele akhokhwe.
Isigaba 4. Ukufunda isivumelwano semalimboleko
Ukusayinwa kwenkontileka kusho ukuthi okweletayo unesibopho sokubuyisa isikweletu. Konke kubhaliswe kuwo imibandela eyisisekelo, amalungelo nezibopho zamaqembu... Ngakho-ke, udinga ukutadisha ngokucophelela izimo zayo ukuze ugweme izinkinga ngezibalo.
Okubalulekile! Lapho ujwayelene nesivumelwano semalimboleko, kunakwa ngokukhethekile izinhlawulo uma kwenzeka kubambezeleka ukukhokha, ukwenzeka kwezimo ezingalindelekile.
Kunomkhuba wokubhala izikhathi "ezingemnandi, ezishelelayo" zesivumelwano usebenzisa ukubhala okuncane. Lezi zigaba zidinga ukunakekelwa okukhethekile ukuze kuqinisekiswe ukuthi uyayiqonda yonke imigomo yemalimboleko.
Isigaba 5. Ukudweba irisidi
Irisidi lezimali ezibolekayo liyisiqinisekiso sokuthi ukuthengiselana sekuqediwe nokuthi izibopho zomboleki kumbolekisi zokubuyisa izimali sezivele ngenani elithile futhi ngesikhathi esithile.
Irisidi ingaqinisekiswa ehhovisi le-notary, lapho-ke kuzoba ngumbhalo omkhulu wenkantolo uma kungakhokhelwa isikweletu. Izimali ze-notary zivame ukuthwalwa ngumboleki.
Ukusayinwa kwerisidi ngofakazi ababili nakho kuqinisekisa ukusebenza kwayo.
Isigaba 6. Ukuthola izimali
Izimali zinikezwa ngokheshi noma ngokudluliselwa ekhadini (ngokuvumelana kwamaqembu). Uhlobo lokukhishwa kuxoxiswana ngalo ngaphambi kwesikhathi, lubekiwe esivumelwaneni semalimboleko, lapho imininingwane yokudluliswa ikhonjisiwe.
Indlela ephephe kakhulu ukudlulisa imali ngaphandle kwemali ekhadini noma isikhwama online.
Muva nje, izinkokhelo ezisebenzisa izikhwama ze-elekthronikhi seziqala ukuthandwa: Yandex.Money, I-WebMoney, Ukolweni... Zihlukaniswa ngokuthembeka, isivinini, ukusetshenziswa okulula, ithuba lokudlulisa okuqhubekayo noma ukuhoxiswa kwemali.
Isigaba 7. Ukubuyiselwa kwemali mboleko
Kuyadingeka ukulawula okuqinile ekubuyiselweni kwemali mboleko enikezwe ngabantu. Konke ukudluliswa kwezimali kufanele kubhalwe phansi.
Njengesiqinisekiso sokudluliswa kwemali, kungaba khona: amarisidi wokudlulisa imali, amakhophi ama-oda wokukhokha, amasheke e-ATM, amarisidi okweletwayo, njll.
Ngemuva kokukhokhwa kokugcina kwesikweletu, kubalulekileukuze umbolekisi anikeze irisidi lokunqanyulwa kwezimangalo kumuntu obolekayo. Ngisho nangemva kokukhokha ngokugcwele, gcina irisidi lokuthi umbolekisi akanazo izimangalo kumuntu obolekayo.
Izimfuneko ze-IOU - okudingayo ukuthi unake 📃
Iqiniso lokutholwa kwezimali irisidi elibhalwe ngumboleki uqobo. Yidokodo elisemthethweni eliqinisekisa ukuthengiselana phakathi obolekayo futhi umbolekisi.
Isampula yokuthola irisidi yezimali ngaphansi kwesivumelwano semalimboleko phakathi kwabantu
Idokhumenti kufanele iqukathe imininingwane elandelayo:
- Igama Lombhalo (Ngokwesibonelo, Irisidi, Irisidi lokutholwa kwezimali, njll.);
- Imininingwane mayelana namaqembu entengiselwano;
- Imigomo yokuthengiselana (Inani lokuhlinzekwa, inani lembuyiselo, isikhathi, imigomo yokukhokha, njll.);
- Indawo nosuku lokulungiswa kombhalo;
- Isiginesha.
Maphakathi nendawo, kubhalwe igama ledokhumende, ngezansi kwesobunxele kukhona indawo yokuthengiselana, ngakwesokudla usuku lokuthengiselana.
Okubalulekile! Irisidi kufanele libe nemininingwane yepasipoti yamaqembu (uma iqembu elilodwa liyinhlangano esemthethweni, negama lalo eligcwele, negunya lomuntu owamukela irisidi, imininingwane yenhlangano), indawo yokubhalisa, indawo yokuhlala, usuku lokuzalwa.
Okulandelayo incazelo yemigomo yesivumelwano: inani lemalimboleko, inani lokukhokha, inzalo yemalimboleko, isikhathi semalimboleko, imigomo yokukhokha, ukuba khona noma ukungabi khona kwesibambiso... Inani lenzalo liyakhonjiswa uma imali mboleko ingakhokhiwe ngesikhathi. Uma impahla idluliselwa kubambiso, kuchazwa izici zalo ezijwayelekile (umbala, usayizi, ubukhona / ukungabikho komonakalo, njll.).
Ngezansi kwerisidi kukhona isiginesha yalowo okweletayo.
Isitifiketi se-Notarial hhayi kuyinto edingekayo, kungenzeka ukuthi kufakazelwe ukutholwa ngofakazi ababili abanikezela ngemininingwane yabo yepasipoti bese bebeka isiginesha yabo.
Uhlobo lwerisidi aluchaziwe ngokomthetho, kepha ngokwezidingo zalo, isibonelo serisidi esilula esinofakazi sinje:
UHLELO lokuthola inani lemalimboleko
Idolobha laseMoscow
Ephreli 01, 2017
Mina, u-Ivanov Ivan Stepanovich, ipasipoti: uchungechunge 36 00 N123654, ekhishwe yi-OUFMS edolobheni laseMoscow ngoJanuwari 01, 2000, ohlala kuleli kheli: Moscow st. ILenin 157 square 11, etholwe nguPetrov Petr Petrovich
ipasipoti: uchungechunge 36 00 N 789654, ekhishwe yi-OUFMS yaseMoscow ngoJulayi 23, 2005, ehlala kuleli kheli: Plekhanov, 45, kV. 47, imali eyisamba sama-ruble ayi-50 000 (izinkulungwane ezingamashumi ayisihlanu) futhi ngiyafunga ukubuyisa inani lemali mboleko kubabolekisi ngomhlaka 10 Ephreli 2017.
Ephreli 01, 2017 __________________ / Ivanov Ivan Ivanovich
(isiginesha yoMboleki)
Irisidi lenziwa phambi kofakazi:
1. UMikhail Ivanovich Sidorov, ipasipoti: uchungechunge 36 00N 654123, ekhishwe yi-OUFMS Moscow ngoMashi 02, 2007, ohlala kuleli kheli: MOSCOW UL. IProletarskaya, 105 sq. 123.
Ephreli 01, 2017 ___________________ / Mikhail Ivanovich Sidorov
(ufakazi wesiginesha)
2.UKuznetsov Sergey Fedorovich, ipasipoti: uchungechunge 36 00 N 159357, ekhishwe yi-OUFMS Moscow ngo-Agasti 08, 1999, ehlala kuleli kheli: Krasnaya d.36, kV. 59
Ephreli 01, 2017 ___________________ / USergey Fedorovich Kuznetsov
(ufakazi wesiginesha)Ngokomthetho wamanje, isiqiniseko esibhalwe ngomshini sesikweletu siyavunyelwa, kepha uma kunesidingo sokuhlolwa, irisidi elibhalwe ngesandla lingadlala indima enkulu ezingxabanweni phakathi komboleki nombolekisi.
Izimo ezibalulekile ukudweba irisidi kuyincazelo ephelele nenembile yayo yonke imigomo yesivumelwano esikuyo. Akufanele kube nezindawo kudokhumenti lapho okuthile kungangezwa noma kulungiswe khona. Izifinyezo zamagama azifakwanga embhalweni.
Irisidi likhombisa ukuthola imali futhi noma ngabe uqinisekiswe kanjani ummeli olungisa izivumelwanonoma ofakazi... Zombili lezi zinketho zinamandla afanayo wezomthetho futhi zingasebenza njengobufakazi benkantolo.
Ukwaziswa kwedokhumenti, imvamisa, kwandisa "isimo" sokuthengiselana futhi nasenkantolo kubangela ukuzethemba okwengeziwe. Uma kunesidingo, ngeke sibe khona isidingo sokuhlolwa kokubhala ngesandla. Kubabolekisi, ukwaziswa ngesaziso kukhulisa izindleko eziphelele zesikweletu ngezinsizakalo zommeli olungisa izivumelwano.
Ukubandakanywa kofakazi lapho kwenziwa irisidi ngeke kudinge izindleko ezingeziwe. Isidingo esikhulu lapho uzikhetha yilezi ukungabi nasithakazelo esivumelwaneni... Ekuqulweni kwecala, bangofakazi abakhulu beqiniso lokuthengiselana.
Ngokomthetho waseRussia, ukuthengiselana ngamanani ngaphezu kwama-ruble ayi-1000, kufanele iphothulwe ngokubhalwa ngaphandle kokuhluleka, uma kungenjalo zithathwa njengezingelutho futhi ezingenamsebenzi. Ukuntuleka kofakazi futhi isitifiketi se-notarial kungaholela emiphumeleni engemnandi neze.
7. Imibandela yokunikezwa kwemali mboleko ngaphandle kokukhokha kusengaphambili eMoscow nakwamanye amadolobha eRussian Federation 💳
EMoscow, njengakwamanye amadolobha amakhulu, kunokukhethwa okukhulu kwama-MFIs kanye nabatshalizimali abazimele, lapho ungavula khona uma kunesidingo semali eyengeziwe.
Izimo eziyinhloko yilezi:
- Ubuzwe baseRussia nokubhaliswa (eMoscow).
- Amalungelo nezibopho zamaqembu kunqunyiwe esivumelwaneni semalimboleko.
- Isikhathi eside semalimboleko sisho ukwanda kwenzalo kuso.
- Imvamisa imalimboleko inikezwa kuze kube amasonto ayisithupha isilinganiso senzalo kusuka ku-30% ngenyanga... Ukubalwa kwesilinganiso senzalo akwenziwa minyaka yonke, kepha kuzilinganiso zansuku zonke, inzalo ayikhokhiswa esikweletini esisele, kodwa kunani elithathiwe ekuqaleni.
Ungathola imalimboleko ezinkampanini zezimali ezincane, zingabaholi ekubolekiseni ngemali kwangasese.
Etafuleni elingezansi ungazijwayela izinkampani nemibandela yokubolekwa kwangasese eMoscow nakwamanye amadolobha amakhulu eRussian Federation:
| № | Igama | Inani (ama-ruble ayizinkulungwane) | Ithemu (izinsuku) | % ngosuku | Ulwazi lokuxhumana |
| 1 | Fastmoney | 3-30 | 7-15 | Kusuka ku-1.8 | 8 (800) 333-22-00 |
| 2 | I-WebMoney | Kuze kube ngu-30 | Kuze kube ngu-30 | Kusuka ku-2 | 8 (495) 727-43-33 |
| 3 | Imali esheshayo | 1-25 | 7-30 | Kusuka ku-2 | 8 (800) 700-43-44 |
| 4 | I-Rusmikrofinance | 1-30 | 5-15 | 1,5-2 | 8 (800) 500-64-37 |
| 5 | Mani Fani | 5-100 | 1-30 | 0,5-1 | 8 (800) 775-21-34 |
| 6 | E Iklabishi | Kuze kube ngu-30 | 7-21 | 1,7-2,1 | 8 (499) 703-01-59 |
Njengoba ubona etafuleni, amanani athandwa kakhulu yiwo kusuka kuma-ruble ayizinkulungwane ezingama-25-30., kuze kuphele inyanga. Izinga lenzalo emaphakathi 2% ngosuku.
Izinkampani zisebenza ubusuku nemini kanti iphesenti lokwenqatshwa kwezicelo lincane.
Uma kunesidingo, ungathola imali mboleko kubatshalizimali abazimele.
8. Ubani onganikeza ngosizo lwangempela ekutholeni imalimboleko yangasese ephuthumayo ngaphandle kokukhokha kusengaphambili kanye nentuthuko ances
Uma isidingo semalimboleko yangasese sivele okokuqala, kuba nzima ukuqonda imiphumela yokuthengiselana, ngoba imalimboleko iyadingeka, njengomthetho, ngokuphuthuma kakhulu futhi asikho isikhathi sokutadisha yonke imibandela enikeziwe. Kulokhu, kungcono ukufuna usizo kochwepheshe.
Kunikezwa usizo lokuthola imali mboleko yangasese izinhlangano ezikhethekile futhi izinkampani ezahlukahlukene zabarhwebi (abathengisi bezikweletu).
Umthengisi wemalimboleko - lezi yizinhlangano ezisemthethweni ezibhaliswe ngokusemthethweni nabantu abasebenza ezimakethe zezimali, abadlala indima yokuba ngumlamuli ekuthengisaneni futhi banamalayisense afanele okunikeza izinsizakalo zemalimboleko.
Imisebenzi yezinkampani zabathengisi ihlanganisa:
- ukukhetha komtshali-zimali;
- ukukhethwa kwezimo zezikweletu ngazinye, njengoba kuvunyelwene neklayenti;
- isiphetho sokuthengiselana egameni leklayenti.
Ukuthengiselana okwenziwe ngosizo lwezinkampani zabarhwebi kunakho Amaphesenti aphezulu okuthembeka, kepha izindleko zensizakalo ziyiphesenti elithile lomsebenzi, okuholela ekwenyukeni okungeziwe kuzindleko eziphelele zemalimboleko.
Umthengisi uqinisekisa ngomphumela omuhle wesicelo, umsebenzi wakhe ukuhlinzeka ukweluleka futhi umlamuleli izinsizakalo zokubhalisa nokuphetha kokuthengiselana.
Lapho uthinta inkampani ehweba ngokuhweba, kuphothulwa isivumelwano sokulamula, esichaza izibopho zomxhumanisi, inani lekhomishini yokuthengiselana, imigomo kanye nesibopho.
Ithebula likhombisa izinkampani ezaziwa kakhulu ngabarhwebi eMoscow:
| № | Igama | Inani leKhomishini (% yomsebenzi) | Ulwazi lokuxhumana |
| 1 | Isikweletu se-MBK | 1-3 | +7 (495) 99-888-96 |
| 2 | Imali | Kusuka ku-7 | +7 (495) 220-23-40 |
| 3 | Isikhungo sokubolekisa ngemali | Kusuka ku-1.5 min. Ama-ruble ayizinkulungwane eziyi-10 | +7 (495) 601-90-00 |
| 4 | Isevisi Yesixazululo Sezikweletu | ngamunye | +7 (499) 391-06-16 |
Isilinganiso ikhomishini yezinkampani zabathengisi kusuka ku-1 kuye ku-5% kusukela esivumelwaneni... Isivumelwano singachaza isigatshana esithi "ukungabuyiswa" kwemali ekhokhelwa kusengaphambili uma kwenzeka ukwenqatshwa kokuthengiselana ngumtshali-zimali.
Emakethe yesevisi, ungathola abalamuli ababizwa nge- “mnyama» abadayisi... Basiza ukuthola imalimboleko besebenzisa izindlela ezingekho emthethweni: ukukhwabanisa, ukukhohlisa.
Okubalulekile! Abashintshi "abamnyama" baqinisekisa ukuhlinzekwa kwemali mboleko, ngaphandle kokucabanga ngokuthi lowo obolekayo uzobuyisa kanjani. Imvamisa, abathengisi abanjalo basebenza kuphela ngamanani amakhulu nangezinga eliphakeme kakhulu lenzalo.
Ukusebenzisa izinsizakalo ezinjalo kungaba nemiphumela emibi kulowo obolekayo. Isivumelwano semalimboleko nerisidi zisayinwa yibo uqobo, kepha obolekayo ubhekele imininingwane enikeziwe.
Uma kunesidingo, umbolekisi unelungelo lokumangalela obolekayo ngenkohliso nokuqeda isivumelwano ngaphambi kwesikhathi ngokukhokha isikweletu nokulimala kokuziphatha.
Izinhlelo Zokukhwabanisa Zemali mboleko
9. Izinhlelo zokukhwabanisa zemalimboleko ezimele 🔔
Ukuthengiselana kwemali mboleko kudonsela abakhwabanisi nabakhwabanisi, ngolwazi lwabo, abangakhohlisa iklayenti ngemali.
Amaqhinga wezindlela zokukopela ezidume kakhulu:
- Isicelo somthengisi sokuba ikhomishini yokuthengiselana lapho ingakaqedwa.
- Ukusetshenziswa kwamakhophi emibhalo.
- Cela ukudlulisa imininingwane yekhadi lomboleki.
Isikimu 1. Ukukhokha kusengaphambili kokuthengiselana
Abakwa-Scammers bavame ukusichaza isidingo sokukhokha kusengaphambili maqondana nokukhokhwa kwanoma yiziphi izinkokhelo eziphoqelekile (umshuwalense, imali yokudlulisa, izinsizakalo zabameli). Kumele kuqashelwe ukuthi wonke amakhomishini akhokhelwa okwenziwayo.
Isibonelo:
Umuntu ngesikhangiso kwi-Intanethi uthole umtshalizimali, othembise inani elithile ukumnikeza ama-ruble ayizinkulungwane eziyishumi izinsuku ezinhlanu. Phambilini, ucele 500 hlikihla. "kokuhlola umlando wesikweletu". Ngemuva kokuthi imali idlulisiwe, umtshalizimali uyanyamalala ngokuvala ifoni.
Kuyafaneleka ukuqonda ngokuqinisekile ukuthi uma umbolekisi ecela ukukhokhelwa kusengaphambili kokuthengiselana, lokhu kunjalo 100% ukukopela.
Isikimu 2. Usebenzisa amakhophi amadokhumende
Ababolekisi abangathembekile bangacela ukudluliswa nge-imeyili amakhophi wepasipoti yomboleki, izitifiketi zomholo wakhe, ukubheka ukuthi kungenzeka yini unikeze imali mboleko.
Eqinisweni, imininingwane isetshenziswa ku- izinhloso zokukhwabanisa ngokuthatha imali mboleko egameni leklayenti. Ngamakhophi amadokhumenti, kungenzeka ukuthi ubambe isignesha yomboleki, uma kukhona "umuntu wakho" esikhungweni sesikweletu, ngeke kube nzima ukuthola imali mboleko.
Kuzofanele ukhombise ukungangeni kwakho enkantolo, usebenzise imali ezindlekweni zomthetho nabameli.
Isikimu 3. Ukudluliswa kwemininingwane yekhadi
Kufanele kukhunjulwe ukuthi awudingi ukwazi ukudlulisa imali Ikhodi ye-CVC futhi usuku lokuphelelwa yisikhathi kwekhadi.
Okubalulekile! Uma umbolekisi (umbolekisi) ecela imininingwane yekhadi lakho lepulasitiki, kungenzeka ukuthi ngeke kube khona irisidi yezimali zalo. Lo ngumkhonyovu. Ngosizo lwale datha, ungathenga okuhlukahlukene nge-Intanethi noma ugcwalise ama-akhawunti usebenzisa noma iziphi izinsizakalo.
Lapho ukhetha umbolekisi, umuntu kufanele aqaphele kakhulu futhi aqaphele. Awukwazi ukwethemba abatshalizimali bokuqala ohlangana nabo, noma ngabe benza umbono omuhle. Zama ukuthola ngabantu abazimisele ukuhlinzeka ngemininingwane yemalimboleko ku-Intanethi.
Ungenzi izinkokhelo zangaphambili, yenza zonke izibalo ngokwenziwe. Funda isivumelwano semalimboleko ngokucophelela bese ubhala irisidi ngokucophelela nangokucacile.
Uma ungakwazi ukuthola yonke imibhalo ngokwakho, kungcono ufune usizo kochwepheshe.
Imibuzo Ebuzwa Njalo (FAQ) 💬
Kungenzeka uboleke imali ngokumelene neresidi evela kumuntu oyimfihlo, udinga nje ukukhombisa umthwalo nokuzimisela, ungagijimeli ukukhetha umtshalizimali, ubale amakhono akho wezezimali.
Amasayithi ahlinzeka ngemininingwane ehlukahlukene mayelana nezinhlobo nemibandela yemalimboleko, kunemigomo nemibono eminingi yobungcweti. Labo abafuna ukuthola imali ngokushesha futhi kalula ngesikweletu bavame ukuba nemibuzo.
Sizozama ukuphendula imibuzo ebuzwa njalo eza ehhovisi lethu lokuhlela:
Umbuzo 1. Iyini insizakalo yemalimboleko yangasese futhi yenzelwa ini?
Izinsizakalo zemalimboleko yangasese kudalelwe ukukusiza uthole izimo zemalimboleko ngazinye, abatshalizimali abathembekile. Yiziza eziqoqa zonke izinsizakalo ezibalulekile nezifanele futhi zinikezwe ngemalimboleko yangasese.
Imininingwane eqoqiwe ezinhlanganweni zezimali ezincane, ababolekisi abazimele abanezimo nemigomo yokusebenza, imininingwane yokuxhumana.
Ithebula likhombisa ezinye zezinsizakalo zemalimboleko yangasese:
| № | Igama | Inani eliphakeme, ama-ruble ayizinkulungwane. | Isikhathi esiphezulu, izinsuku | % ngosuku |
| 1 | Imalimboleko yeTurbo | 15 | 30 | 2,17 |
| 2 | MONEZA | 30 | 365 | 0,35 |
| 3 | ImaliMan | 60 | 126 | 1.85 |
Ukuphendukela kwinkonzo yemalimboleko yangasese ukuthola usizo, ungaqiniseka ngokuthembeka komlingani, ngoba ziyasebenza ngokusemthethweni, imisebenzi yabo inamalayisense. Kulawo masayithi, kungenzeka ukubona isilinganiso somtshali-zimali, inani lezinto ezenziwayo ezenziwe nguye futhi anqume ukukhethwa kwe-MFI noma umtshalizimali wangasese, ukubuyekezwa ngaye nangababolekisi.
Ngaphezu kwalokho, izinsizakalo zemalimboleko ezizimele zingeluleka iklayenti, liqondise umsebenzi walo, lihlole ukutholakala kwemali engenayo, lihambisane nokukhokhwa kwemali mboleko, futhi lisebenzisane nezinhlangano zokuqoqa.
Ukuthola lonke ulwazi oludingayo ukubhalisa. Inqubo yokubhalisa ayinzima.
Izinsizakalo ezilandelayo zinesilinganiso esiphezulu:
| Izimalimboleko ezizimele: | I-MFI: |
| Siyakwamukela isikweletu | Izikweletu eziyi-100 |
| Imali ngokuphuthumayo | MFI namuhla |
| MONEZA | Boleka ngokuphuthumayo |
| ImaliMan | Z-zaim |
Inketho yenkonzo ishiyelwa obolekayo uqobo. Lapho bekhetha, njengomthetho, banaka ikhomishini ekhokhisiwe, ukutholakala kanye nekhwalithi yezibuyekezo ngenkampani.
Umbuzo 2. Ngingathola imali mboleko yangasese esheshayo online emizuzwini emi-5 ngaphandle kokukopela?
Uma umboleki ephendukele kaningi kumbolekisi, ekhokha imalimboleko ngesikhathi futhi ephelele ngaphandle kokukopela, uzomane athole imali mboleko yangasese entsha ngaphandle kokukopela emizuzwini engu-5-15. Abatshalizimali banikeza amakhasimende athembekile imigomo ekhethwayo enezidingo eziphansi. Amanani amancane angahlinzekwa online noma umane "Ocingweni".
Lapho ufaka isicelo semalimboleko okokuqala, kuzothatha isikhathi ukubheka obolekayo. Umbolekisi ngamunye unezindlela zakhe zokuqinisekisa, kepha noma kunjalo kuthatha isikhathi.
Noma ukhipha inani elincane, umuntu akanakuthembele esixazululo esisheshayo senkinga.... Abatshalizimali nabo abajahile ukuhlukanisa nemali yabo ngaphandle kokuzethemba ekubuyeni kwabo.
Lapho kukhishwa inani elikhulu, ukwaziswa kwemibhalo kuyadingeka, ukuphethwa kwezivumelwano zemalimboleko noma zesibambiso, lokhu kuzothatha isikhathi kusuka emahoreni amaningana.
Okwalabo abafake isicelo semalimboleko okokuqala, isisho "Boleka ngemizuzu engu-5" isebenza kakhulu njengesikhangiso, hhayi iqiniso langempela.
Umbuzo 3. Ungayithola kanjani imalimboleko yangasese ngohlelo lokuxhumana?
Ubuchwepheshe obusha kanye nezinkundla ze-IT zilawula imithetho emisha emkhakheni wokubolekisa. Zonke izinqubo zomnotho ziyashesha. Imakethe yezezimali nayo ayisindiswanga.
Ukube phambilini bekunokwenzeka ukuthola imali mboleko kuphela ezikhungweni zezikweletu, ngokunikezwa konke iphakethe lamadokhumenti, izinkomba, iziqinisekiso, manje kunezinhlangano eziningi ezihlinzeka ngemali mboleko ngokushesha futhi kalula.Sekude kwacaca ukuthi kulula ukukhipha imali mboleko kunokuqongelela imali oyilondolozile isikhathi eside ukuze uthenge kakhulu.
Manje usungafaka isicelo semalimboleko, ngokwesibonelo, ngokusebenzisa uhlelo "Oxhumana naye"... Luhlelo olwenza ukudluliswa kanye nezinkokhelo ubusuku nemini. Inikeza ithuba lokufaka isicelo semalimboleko kungakhathalekile ukuthi uhlala kuphi nokubhaliswa. Inenethiwekhi ebanzi yamahhovisi amele amagatsha ezweni lonke.
Ngenxa yokuthandwa kwayo nokusebenziseka kwayo, uhlelo luyadingeka phakathi kwababolekisi nababolekisi.
Izigaba zokuthola imalimboleko yangasese ngo- "Oxhumana naye"
Cabanga ngezigaba eziyinhloko zokuthola imali mboleko ngalolu hlelo:
Isigaba 1. Ukubhaliswa
Ukubhaliswa kwabo bobabili ababolekayo nababolekisi kuyadingeka ukuxhumana nohlelo. Umbandela oyinhloko iminyaka yeklayenti yeningi. Amakhophi aqoshiwe omazisi azodingeka. Ukuqinisekiswa kwamakhasimende kwenziwa ngokusebenzisa imininingwane etholakala ku-Intanethi, ngakho-ke ukukhishwa kwemali mboleko kuzothatha isikhathi esincane kakhulu.
Isigaba 2. Ukukhethwa kwabatshalizimali
Ngemuva kokubhaliswa, iklayenti lifinyelela kuwo wonke amakhono wohlelo. Ukhetha umtshalizimali onikeza imigomo efanelekile yesikweletu. Inquma inani, ithemu, isilinganiso senzalo. Zonke izenzo zenziwa nge-akhawunti yakho yomuntu siqu.
Lapho begcwalisa uhlu lwemibuzo, banaka ukunemba nokubaluleka kwemininingwane efakiwe. Ukuba khona kokungahambisani kungaholela ekwenqabeni ukukhipha imali mboleko.
Isigaba 3. Kusayinwa inkontileka
Isinqumo sokunikeza imali mboleko sithunyelwa obolekayo nge-SMS, i-imeyili, noma ngocingo.
Ngokuvumelana nemibandela, isivumelwano siyaphothulwa phakathi komboleki nombolekisi.
Isigaba 4. Ukuthola imali mboleko
Ukuze uthole izandla zakho kwimalimboleko eyenziwe ngokusemthethweni, kufanele ukhethe indlela yokwamukela imali ohlelweni lokuxhumana lapho ugcwalisa isicelo. Ngemuva kwalokho, ehhovisi elimele inkampani, lapho kwethulwa ipasipoti kanye nenombolo yokudluliswa kwemali evela kumbolekisi, thola imali mboleko.
Ukudlulisa izimali kuthatha kuze kube yimizuzu engu-15... Ngesixazululo esihle kulolu daba, ngemuva kwemizuzu engu-15, ungashiya oxhumana naye nomnyango wezimali.
Ukulawula ukukhokhwa kwemali mboleko ngesikhathi esifanele ku-akhawunti yakho siqu kunohlelo lokukhokha ngemali esele yesikweletu kanye nezinsuku zokukhokha.
Uhlelo lukuvumela ukuthi uzenzele isicelo sakho semalimboleko ngezimo ngazinye ku-akhawunti yakho.
Izidingo eziyimpoqo kumboleki:
- Ubuzwe baseRussia;
- Umkhawulo wobudala kuma-MFO ahlukile uhlukile, ubuncane beminyaka buyiminyaka eyi-18, ubukhulu buyiminyaka engama-65;
- Ukutholakala kolwazi lokuxhumana;
- Amakhophi aqoshiwe epasipoti ngokubhaliswa;
- Amakhophi amarisidi ezindlu nezinsizakalo zomphakathi (uma kudingeka).
Uma kunesidingo, ungasebenzisa isevisi yokuhlehlisa ukukhokhwa kwemali mboleko. Leli thuba licacisiwe esivumelwaneni semalimboleko. Ezinhlanganweni ezahlukahlukene zezimali ezincane, imigomo yokuhlehliswa yehlukile, umgomo wokunikeza insizakalo uyefana. Kukhona imali ekhokhiselwa ukuhlehlisa, ngokwesilinganiso kukhokhiswa usuku olulodwa kusuka ku-3%, isikhathi sokusebenza esiphezulu 3 izinyanga.
Ukubuyiselwa kwemali mboleko yangasese nakho kwenziwa ngokusebenzisa uhlelo "lokuxhumana" lapho kwethulwa ipasipoti. Lapho ukhokha umuntu wesithathu, uzodinga, ngaphezu kwepasipoti yakho, ikhophi lephasiphothi yomboleki.
Izinzuzo eziphambili zokuthola imalimboleko ngohlelo lokuxhumana yilezi:
- Ukunikezela ngemalimboleko ngokheshi, ukudluliswa, ngokuya ngemibandela yombolekayo.
- Ukuba khona kwamagatsha amaningi kuvumela ukuthi insizakalo inikezwe yonke indawo.
- Ukukhishwa kwezimali ngokusho kwepasipoti (kuze kufike enanini elithile).
- Kungenzeka uthole imalimboleko ngomlando wesikweletu esibi, ukutholakala kwezinkokhelo ezidlulelwe yisikhathi kumalimboleko akhona. Sivele sikhulume ngokuningiliziwe mayelana nokuthi singasitholaphi isikweletu esinomlando omubi wesikweletu ngaphandle kwezitifiketi zemali engenayo nabaqinisekisi kumagazini odlule.
- Uhlelo Lokuxhumana luhlinzeka ithuba kubaboleki nakubatshalizimali lokuxhumana ngqo (ngaphandle kwabalamuli). Uhlinzeka ngemininingwane nokusekelwa kwezomthetho kumaqembu entengiselweni, enze inqubo yokuthola nokubuyisa imalimboleko isebenze.
- Ukwenza izindawo zokuhlala ngohlelo "Lokuxhumana" kuqinisekisa ukuthembeka kokuthengiselana, ukuvikelwa kubakhwabanisi be-Intanethi.
- Amakhasimende aqotho anikezwa amabhonasi nezinzuzo ezahlukahlukene zokubolekisa.
Ngakho-ke, uhlelo lokuxhumana luyithuluzi lekhwalithi ephezulu yezinhlangano zezimali ezincane emkhakheni wokubolekisa.
Maningi amathuba okuthatha imalimboleko yangasese. Izimo zihlukile kubo bobabili ababolekisi abazimele nabatshalizimali, futhi enkampanini eyodwa yesikweletu yababoleki abahlukile.
Kubalulekile ukuphatha ukuphatha ukubolekwa ngomthwalo, hhayi ukujaha, ukuqonda kahle imiphumela engaba khona yalokhu kuthengiselana. Ngemuva kwalokho amathuba ezinsizakusebenza zesikweletu azosetshenziswa ngokugcwele.
Ekuphetheni, siphakamisa ukuthi ubuke ividiyo yokuthi ungaboleka kanjani imali kahle:
Bafundi abathandekayo besayithi "RichPro.ru", uma unemibuzo noma imibono ngesihloko sokushicilelwa futhi ufuna ukwabelana ngolwazi lwakho, bese ubashiya kumazwana angezansi.