Imalimboleko emincane online - imiyalo yokuthola imalimboleko encane ephuthumayo ekhadini: izinyathelo ezi-5 ezilula + ama-MFO anikela ngemali mboleko nge-inthanethi ubusuku nemini kulo lonke elaseRussia
Sanibonani bafundi abathandekayo bemagazini ye-Ideas for Life. Namuhla sizokhuluma ngokuthola imalimboleko emincane online, okuyilezi: indlela yokuthola imalimboleko ngokuphuthumayo nokuthi yimaphi ama-MFOs akhipha imalimboleko emincane ubusuku nemini eRussia.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Kulesi sihloko, uzofunda:
- Yini okudingeka yenziwe ukuthola i-microloan ngokushesha;
- Ziyini izimo zokukhokhwa kwesikweletu kumalimboleko amancane;
- Yimaphi ama-MFIs anikela ngemalimboleko emincane ekhadini, kwi-akhawunti noma ngokheshi ubusuku nemini.
Imininingwane emayelana nemalimboleko emincane yenzelwe abantu abahlukahlukene, ngoba kungahlala kunesidingo sokuthola ngokushesha imali encane. Kuzosizakala futhi ukuthola imininingwane ejwayelekile ngalolu hlobo lokuboleka nokwehluka kwabo kokubolekwa okujwayelekile emabhange.
Imali yezimali encane ingaba nentshisekelo kubantu okuthi, nganoma yisiphi isizathu, bangafakwa esigabeni samakhasimende angaba khona ezikhungweni zebhange. Lokhu, isibonelo, abahola impesheni, abafundi, futhi abantu abangenayo indawo yokusebenza unomphela noma isipiliyoni somsebenzi omude.
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.
Ungayithatha kanjani imalimboleko emincane ku-inthanethi nokuthi yiziphi izinhlangano zezimali ezincane eRussia ezikulungele ukukhipha imali mboleko encane ngokuphuthumayo nangehora lonke nge-Intanethi - funda kulo magazini
1. Iyini imalimboleko emincane futhi ibekelwe malini 💸
Empilweni yawo wonke umuntu, isimo singavela lapho inani elincane lemali lidingeka ngokushesha, futhi ngokushesha okukhulu. Kungenzeka ukuthenga into esitolo lapho ulahlekile ngokoqobo 2 000 ama-ruble, futhi umholo uzoba ngemuva kuphela 3 usuku. Noma isikweletu esincane lapho ukhokha izikweletu zombuso nezintelalapho ngokukhokha inani elincane, ungagwema ukucisha ilambu noma ukuqoqwa kwezijeziso ezahlukahlukene.
Esimweni esinjalo kungasizaukubolekwa okuncaneolunikezwe izinhlangano zezimali ezincane (ama-MFIs) isikhathi esifushane.
Imali mboleko encane - imali encane ekhishwe ngesikweletu isikhathi esifushane, kuyilapho uhlelo lokuvunyelwa kwemalimboleko lwenziwe lula kakhulu, kepha lukhishwa ngenzalo ephakeme impela.
Kuvame ukuhlinzekwa nge-Microcredit ngisho ababoleki abasilele emuva ekukhokheleni izimalimboleko ezikhona. Ngaphezu kwalokho, lapho ukhipha imalimboleko emincane, izidingo zeleveli yomholo wabafakizicelo ziyancipha kakhulu.
Imvamisa, amaklayenti ezikhungo zezikweletu ahlinzeka ngama-microloan aba abafundi, abahola impesheni, futhi abantu abangenayo imali engenayo ezinzile.
Ukwamukelwa kwama-microloans kuyashesha impela. Imvamisa isinqumo sithathwa kungakapheli amahora ambalwa kutholakele isicelo semalimboleko. Sivele sibhale ukuthi ungayithola kanjani imali mboleko esheshayo ekhadini, kwi-akhawunti yasebhange noma ngokheshi kundatshana eyedlule.
1.1. Inani lamanani ahlinzekwe ngaphansi kwemali mboleko encane
Ezikhungweni eziningi zezezimali, phakathi ama-microcredits wabantu ngabanye, faka amanani ngaphakathi 30 000-Ama-ruble angu-50 000... Lapho uqala ukuthinta isikhungo sezezikweletu, kuyaqabukela kakhulu ukuthola inani elivumelekile lemali mboleko encane.
Noma unesimo sokwethembeka ngokwengeziwe kulabo abangaba ababoleki, umbolekisi usadinga ukuba nombono wokuthi isiyalo sezezimali seklayenti... ngakho-ke izimalimboleko zokuqalaekhishwe ngemalimboleko emincane kuyaqabukela kweqe 2 000-Ama-ruble ayizi-5 000.
Lapho kwakhiwa umlando omuhle wesikweletu esikhungweni esithile esithile sesikweletu, ubukhulu bomkhawulo wemali etholakalayo yokuboleka iyakhula.
Ngokwesibonelo, esicelweni sokuqala, imali mboleko encane ikhishwe ngenani le- 2 500 ama-ruble we Amaviki amathathu... Le mali mboleko ikhokhwe ngokuphelele ngaphakathi Izinsuku ezi-3... Ngokuzayo lapho uxhumana nenhlangano efanayo, umkhawulo wemalimboleko uzokwengezelwa ku- 10 000 ama-ruble.
1.2. Izidingo ezincane zokuthola imali mboleko encane
Uma ufaka isicelo se-microloan, obolekayo ongaba khona kumele ahlangabezane nezidingo ezimbalwa, okuthi, uma kuqhathaniswa namabhange ajwayelekile, zenziwe lula kakhulu.
Izidingo zomboleki ukuthola i-microcredit:
- ukufinyelela eminyakeni yobudala;
- ukutholakala kokubhaliswa unomphela esifundeni lapho kukhona isikhungo sezezimali kucatshangelwa isicelo semalimboleko (kwezinye izimo, le mfuneko kungenzeka ingabekwa, ikakhulukazi uma isikhungo sezikweletu sinenethiwekhi yamahhovisi amele izifunda);
- ukutholakala komthombo wemali, lesi sikhundla asisona isisekelo futhi izinhlangano eziningi zezimali ezincane zenza isinqumo esihle noma ngabe akukho lwazi oluqinisekisiwe mayelana nemithombo yemali ebolekayo.
Kumele kuqashelwe ukuthi inhlangano ngayinye enikezela ngemali mboleko inemithetho yayo maqondana nokubhekwa kwezicelo zemalimboleko.
Ngasikhathi sinye, izindlela zokukhetha zababolekayo azikapheli futhi inkampani yezezimali ingahlala ivumela imalimboleko yomboleki othize, ngisho uma ingahlangabezani nezidingo. Isimo singaba okuphambene - ofaka isicelo angalelwa ngaphandle kokuchazwa, noma ngabe ihlangabezana ngokugcwele nezidingo ezisemthethweni zenkampani.
Izinketho lapho ungathatha khona imalimboleko encane ngokheshi noma ekhadini
2. Ngubani ohlinzeka ngemalimboleko emincane - TOP-3 abahlinzeka ngezinsizakalo zezimali ezincane
Emakethe ebolekisayo, izinsizakalo zemalimboleko emincane azihlinzekwa kuphela amabhange futhi izinhlangano zezimali ezincane, kodwa futhi ngabanye... Lokhu kusebenza hhayi kuma-microcredits kuphela, kepha nakuyo yonke imikhakha yokuhlinzeka ngemali mboleko yemali ngenzalo.
1. Abantu ukuhlinzeka ngama-microloans cishe ngaphandle kokwenqaba, awawufundi umlando wesikweletu womboleki futhi awadingi imibhalo eqinisekisa imithombo namanani wemali engenayo.
Noma kunjalo, kukhona Ingozi awela ngaphansi kwethonya labakhwabanisi futhi, lapho uthole inani elincane ngesikweletu, dlulisela kumbolekisi noma iyiphi impahla ebiza kakhulu kunenani elitholiwe. Kunengqondo ukuxhumana nomuntu oyimfihlo kuphela ekunconyweni kwabangane noma izihlobo. Sikhulume ngendlela yokuhlela kahle imalimboleko yangasese ngokumelene nerisidi ku-athikili edlule.
2. Lapho ufaka isicelo semalimboleko ebhange inani leziphakamiso zabantu abathola ama-microcrediting ngokuvamile lilinganiselwe, futhi izidingo zomboleki zibucayi impela - ukuthola imalimboleko, uzodinga ukuqoqa iphakethe elithile lamadokhumenti, futhi ibhange lenza isinqumo sokukhipha imali mboleko ezinsukwini ezimbalwa (okungakulungele impela ukuthola imali 2 000-3 000 ama-ruble). Sivele sikhulume ngokuthi yiliphi ibhange okungcono ukuthatha imali mboleko kusuka kumagazini odlule.
3. Ukuqinisekiswa komboleki ezinhlanganweni zezimali ezincane wenziwa ngokushesha okukhulu. Isivinini sokwenza izinqumo kwe-MFI sihlobene ngqo neqiniso lokuthi, njengomthetho, umlando wesikweletu womfakisicelo awuqinisekisiwe futhi imibhalo emholweni wakhe ayifundwa... Izinkampani zezimali ezincane zifaka izingozi zazo ekunikezeni imali mboleko ngesikhathi esifushane kakhulu nangokuqinisekisa okuncane ngenani lenzalo ephezulu, uma kuqhathaniswa namabhange ajwayelekile.
Sizocubungula izici zokuhlinzeka ngemalimboleko emincane ngamaqembu amakhulu amathathu wababolekisi abangaba khona etafuleni elilandelayo:
| № | Izici zokuhlinzekwa | Izinhlangano zezimali ezincane | Amabhange | Abantu abazimele |
| 1. | Ukucutshungulwa ngokushesha kwesicelo | Phezulu | Phansi | Phezulu |
| 2. | Izinga lenzalo | Phezulu | Phansi ngokuqhathaniswa | Ngamunye |
| 3. | Isivinini sokudlulisa | Phezulu | Phansi | Ngayodwana, kuya ngendlela yokukhipha imali |
| 4. | Ukuvuthwa | Imfishane impela, ize ifike ezinyangeni eziyisithupha ngokunwetshwa okungenzeka | Okude | Ngamunye |
| 5. | Izinga lokuphepha | Ephakathi | Mude | Phansi |
Lapho ukhetha umbolekisi, kufanele ufunde ngokucophelela izinketho eziningi. Imakethe igcwele izipesheli ezifanele futhi kunomncintiswano othile phakathi kwababolekisi, abaningi bezama ukuheha amakhasimende amaningi ngokunikezela izimo ezikahle kakhulu.
Kuyafaneleka ukuhlola izinketho eziningana ezivela ezinkampanini ezahlukahlukene, ngakho-ke ungathola ithuba lokuthola imalimboleko ngenzalo ephansi kakhulu.
Umhlahlandlela wesinyathelo ngesinyathelo wokuthola imalimboleko emisha ephuthumayo online kwikhadi noma ukheshi
3. Ungasithatha kanjani ngokushesha imalimboleko encane online ekhadini, esikhwameni se-elekthronikhi noma ngokheshi ngezinyathelo ezi-5 ezilula - imiyalelo enemininingwane detailed
Ngokuthuthuka kobuchwepheshe bolwazi, izikhungo ezikweletwa kanye nabantu ngabanye bazikhulise kakhulu izindlela zokuhlinzeka ngemali obolekayo, ngemuva kokuvunywa kwesinqumo sokubolekwa kwemali.
Cabanga ngezansi 5 izinyathelo eziyisisekelo zokuthola imali mboleko encane.
Isinyathelo 1. Ukukhetha isikhungo sezikweletu
Ngaphambi kokukhetha noma iyiphi inkampani ethile, kufanele ufunde imibandela enikezwa yizinhlangano eziningana ezihlinzeka ngemali mboleko kubantu.
Lapho ukhetha umbolekisi, udinga ukunaka ngokukhethekile:
- usayizi nendlela yokwenza ukubala isilinganiso senzalo;
- imikhawulo ekhona yokuhlinzekwa kwemali mboleko encane;
- ukuhleleka nesikhathi sokubuyiselwa kwemali.
Uma izimo zanoma iyiphi inkampani zingcono ngandlela thile kunezimbangi, kunengqondo hlola idumela isikhungo sezikweletungemuva kokufunda izibuyekezo ngemisebenzi yayo.
Uma ukubuyekezwa kwamakhasimende okuningi kukuhle, lokhu kungakhombisa isimo sengqondo somuntu obolekayo nokungabikho kwamaqiniso okukhohlisa ababolekisi.
Isinyathelo 2. Ukudweba isicelo semalimboleko encane
Ukuze isikhungo sezezimali ezincane siqale ukubheka ukuthi kungenzeka yini sinikeze imali mboleko, udinga ukukhipha okufanelekile uhlelo lokusebenza.
Leli fomu lesicelo lingagcwaliswaonline kuwebhusayithi yenhlangano, okungukuthi, akudingekile ukuya ehhovisi lenkampani ngalokhu. Kulolu hlelo lokusebenza, kuzodingeka ukhombise idatha yakho futhi uqaphele inani elidingekayo.
Imininingwane eyisisekelo ezodinga ukukhonjiswa kuhlelo lokusebenza imvamisa iqukethe imininingwane elandelayo:
- IGAMA ELIGCWELE;
- indawo yokuhlala;
- inani lemalimboleko;
- izinsuku zokuvuthwa okufiswayo;
- inani lemali engenayo yenyanga;
- ubukhona noma ukungabikho kwemibhalo eqinisekisa inani lemali etholakalayo (isitifiketi esivela emsebenzini).
Isinyathelo 3. Ukukhetha ifomu lemalimboleko
Umfakisicelo uqobo unelungelo lokunquma ukuthi ufuna ukuthola kanjani izimali, bangakhishwa ngokheshi nangezindlela ezahlukahlukene ezingezona imali.
Izimali zingadluliselwa ezandleni zomboleki:
- Imali. Imvamisa kudluliswa imali edeskini lemali lenhlangano... Uma okweletwayo kungumuntu wangasese, ukudluliswa kwemali kwenzeka kunoma iyiphi indawo elula, lapho imali ikhishwa, irisidi... Uma uthola imali ngale ndlela, ngeke ukhokhiswe noma yiziphi izimali ezengeziwe zokudluliselwa kwebhange.
- Dlulisela ekhadini lasebhange. Kungaba ikhadi isivele itholakale iklayenti, noma mhlawumbe ikhadi, yakhelwe ngokukhethekile ngesivumelwano semalimboleko yibhange uqobo noma esikhungweni sezezimali esichazwe ngumbolekisi. Isimo esikhulu ukuthi ikhadi lenziwe laba ngelakho futhi selivele lisetshenziswe ngumboleki isikhathi esithile (cishe 3 izinyanga). Sikhulume ngokuthi baboleka kuphi ekhadini ngokushesha ubusuku nemini ngaphandle kokwenqaba kumagazini wokugcina.
- Ukufaka kwi-akhawunti yasebhange.Njengasekhadini lasebhange, kufanele futhi livulwe egameni lalowo obolekayo. Ukudlulisa izimali, kuzodingeka ucacise Igama leBhange futhi Inombolo Ye-akhawunti.
- Dlulisela esikhwameni se-elekthronikhi.Le ndlela yinhle ngoba awudingi ukushiya ikhaya lakho uyofuna imali. Isikhwama semali esisebenza ngogesi esichazwe lapho kuphothulwa isivumelwano semalimboleko kumele sibe “okunamathiselwe»Kufoni ebhaliswe egameni lomboleki. Ukudlulisa okunjalo kwenziwa ngokushesha okukhulu, kungapheli imizuzu embalwa.
Isinyathelo 4. Ukuthola imali mboleko
Uma kwenzeka isinqumo esinqumayo sesikhungo sezezikweletu sokunikeza imali mboleko, ngendlela evunyelwene yokukhipha imali, kungakapheli isikhathi esifushane inani elidingekayo lizotholakala kumboleki.
Ngokuya ngezici ezahlukahlukene, ijubane lokudluliswa kwemali lingahluka, kepha, ngokuvamile, inqubo enjalo ithatha hhayi ngaphezu kwehora elilodwa.
Isinyathelo 5. Ukuselekelwa kwemali mboleko nokubuyiselwa kwezikweletu
Lapho kuphothulwa isivumelwano semalimboleko, izindlela nemibandela yokubuyiselwa kwemali mboleko kuyaxoxwa ngayo. Kungenzeka ukubuyiselwa kwemali, ukudluliswa kwemali engenayo imali, ukufaka kulokho okushiwo ngumbolekisi ama-wallet kagesi futhi amakhadi asebhange.
Ngezindlela ezingezona imali zokukhokha isikweletu, ezahlukahlukene ikhomishinikusungulwe yibo bobabili umbolekisi kanye nesikhungo sezezimali esenza ukudluliswa (okwenziwayo). Usayizi wamakhomishini anjalo usethwe ngokomuntu ngamunye.
Isivumelwano semalimboleko emincane esiphelile kufanele sisho ukuthi kuyadingeka yini ukukhokha isikweletu ngenzalo ngokushesha noma ukuthi kungenzeka yini ukusikhokha kancane kancane isikweletu ngokukhokha njalo. Uma kwenzeka uthola imali kumuntu oyimfihlo, leyo mininingwane ikhonjisiwe kurisidi, ngaphandle uma isivumelwano semalimboleko senziwe eceleni.
Kundatshana ehlukile, siphinde sabhala ukuthi ungayisa kanjani i-microloan ekhadini eliku-inthanethi ngaphandle kokwenqaba nokuhlolwa - sincoma ukuthi uzijwayeze nalo.
4. Yimaphi ama-MFO anikeza imalimboleko emincane online ekhadini ubusuku nemini kulo lonke elaseRussia - uhlu lwe-TOP-5 MFOs olunikeza imali mboleko nge-Intanethi 📊
Inqubo eyenziwe lula yokuhlinzekwa kwemali mboleko emincane iphinde ivezwe emahoreni okusebenza aguquguqukayo amahhovisi ezinkampani ezincane. Ama-hotline e-MFO asebenza empeleni 24 amahora, ngokungafani namabhange ajwayelekile, abasebenzi bawo ababandakanyeka ekukhipheni izimalimboleko kuphela phakathi namahora okusebenza asungulwe yimithethonqubo yabasebenzi.
Lokhu kubangelwe futhi, ngosayizi ongabalulekile wemalimboleko ekhishiwe, ngoba amanani amancane atholiwe ahlangabezana nezidingo ezisheshayo, ngakho-ke imali iyadingeka "lapha manje".
Ngezansi kunohlu lwezihloko 5 izikhungo zezikweletuukuhlinzeka ngemalimboleko emincane cishe ubusuku nemini.
I-MFO # 1. "Imali esheshayo"
Imalimboleko emincane inikezwa ngenani kusuka ku-1 000 kuya ku-25,000 ruble isikhathi se kuze kube yizinsuku eziyi-16... Lapho kwakhiwa umlando omuhle wesikweletu kule nhlangano, iklayenti linganikezwa ikhadi elikhethekile - "Bystrokarta", lapho imali mboleko yababoleki abathembekile inikezwa ngocingo.
I-MFO No. 2. "IVivus"
Usayizi wokubolekisa omncane kusuka ku-1 000 kuya ku-15,000 ruble... Izicelo zemalimboleko zibuyekezwa ubusuku nemini, isinqumo sithathwa ngemizuzu embalwa. Ukuvuthwa kwemali mboleko kufika ezinsukwini ezingama-30ngasikhathi sinye, ukukhokha kusenesikhathi kwesikweletu akubandakanyi ukuqoqwa kwanoma yiziphi izinhlawulo.
I-MFO No. 3. "Imali yasekhaya"
Usebenze emakethe ebolekisayo isikhathi eside (ngamazinga asekhaya). Kuyahluka esikhathini esiphezulu sokukhokha semali mboleko encane - kuze kube izinyanga eziyisithupha, inani lokuboleka lilinganiselwe Ama-ruble angama-40,000... Uma kunesidingo, isikhathi sokukhokha isikweletu singanwetshwa izinyanga eziyisithupha ezingeziwe.
I-MFO No. 4. "SmartCredit"
Ukuvunyelwa kwemali mboleko kwenzeka online ngaphandle kokunikeza ngemibhalo esekelayo. Ekuthintaneni kokuqala, umkhawulo otholakalayo wemalimboleko encane ngu- Ama-ruble angu-2 000, ukuvuthwa Isonto 1futhi akukho mali ekhokhelwa ngaphambi kwesikhathi yesikweletu enikeziwe. Izinga lenzalo yemalimboleko encane enjalo ngu 1,9%. Uma ufaka isicelo futhi, umkhawulo wesikweletu uyakhuphuka, futhi imigomo yokubuyiselwa kwezikweletu iya ngokuya iguquguquke.
I-MFO No. 5. "Indoda Yomuntu"
Ekufoneni kokuqala, inani liyatholakala nge Ama-ruble ayi-1,500 ukuvuthwa Izinsuku ezi-5... Le nkampani ihlukaniswa ngokwengezwa njalo kwezinhlelo ezintsha zezikweletu nokwenyuswa okuhlukahlukene. Umkhawulo wemakethe emincane - Ama-ruble angama-70,000, ngezinkokhelo ezijwayelekile ngesikhathi sokukhokha njalo emavikini ama-2.
Ukucacelwa, imikhiqizo eyinhloko yemalimboleko yalezi zinkampani iboniswa kuthebula lokuqhathanisa:
| № | Igama Lenkampani | Amagama abolekisayo | Inani lesikweletu | Izinga lenzalo (usuku ngalunye lokusebenzisa imalimboleko) |
1. | Imali esheshayo | Izinsuku eziyi-7-16 | 1-25 ayizinkulungwane ruble | Kuze kufike ku-2% |
2. | IVivus | Kuze kube yizinsuku ezingama-30 | Izinkulungwane eziyi-1-15 zama-ruble | Kusuka ku-1.125% |
3. | Imali Yasekhaya | Amaviki angama-25-52 | Ama-ruble ayizinkulungwane eziyi-10-40 | Kusuka ku-0.7% |
4. | SmartCredit | Izinsuku 5-30 | 2-15 ayizinkulungwane ruble | Kusuka ku-1.9% |
5. | ImaliMan | Izinsuku 5-126 Ukukhokha kanye njalo emavikini ama-2 | 1.5-70 ayizinkulungwane ruble | Kusuka ku-1.8% |
Uma wonke amabhange kanye nama-microloans (MFOs) enqaba ukukunikeza imalimboleko encane, khona-ke sikucebisa ukuthi ufunde indatshana yethu yokuthi ungayithathaphi imali njengamanje.
5. Ungayithola kanjani imalimboleko ephuthumayo ngemibandela evumayo - TOP-5 amathiphu awusizo wokukhetha isikhungo sezikweletu credit
Uma kunesidingo esiphuthumayo semali encane, lapho njengamanje le mali ingavunyelwe ukuthi uyithathe kuphi, isixazululo sale nkinga singaba ukuthola i-microcredit.
Kuneziphakamiso eziningi kwi-Intanethi zokukhishwa okusheshayo kwezimali ngenzalo. Isicelo semalimboleko enjalo singenziwa onlinengokukhombisa imininingwane edingekayo kuwebhusayithi yesikhungo semali encane.
Lapho ukhetha isikhungo sezezikweletu esikhipha imalimboleko emincane, kunconywa ukuthi ulandele izeluleko ezimbalwa ezilula.
Ithiphu 1. Naka ukutadisha idumela lenkampani
Amanethiwekhi ekhompyutha ahlinzeka ngamathuba amaningi okushintshisana ngolwazi oluhlukahlukene. Ngeke kube yinto engadingekile ukuchitha isikhathi ucwaninga ngedumela lenkampani yemali encane futhi ubukeza impendulo ngomsebenzi wayo.
Ungakhawuleli ekufundeni imiyalezo kuwebhusayithi esemthethweni yomuntu ongaba umbolekisi, kufanele ukuvakashelwa izinkundla ezizimele, ukuxhumana nomphakathi bese ubuza imibuzo enentshisekelo kwabanye abasebenzisi.
Ithiphu 2. Qiniseka ukuthi imininingwane ebalulwe kokunikezwayo ilungile
Bheka ukunemba kwemininingwane ekhonjiswe kuwebhusayithi yenkampani noma ezikhangisweni. Imibuzo edingekayo ingacelwa ngokuxhumana ngqo nommeleli wenhlangano ngocingo noma ngesikhathi sokuxhumana online.
Uma kuvela ukuthi izimo zangempela zesikweletu (amazinga wenzalo, izinsuku zokuvuthwa njll.) kwehlukile kunalokho okushiwo ekuqaleni, okungukuthi, isizathu sokuxwaya. Mhlawumbe, le nhlangano ijwayele ukuguqula imibandela yenkontileka ngemuva kokuphothulwa kwayo.
Ithiphu 3. Uma kudingeka, hlinzeka ngamathuba okukhulisa ukuvuthwa kwesikweletu
Uma kungekho ukuzethemba okuphelele emandleni okufeza imigomo yesivumelwano semalimboleko esikhathini esibekiwe, ngakho-ke kunengqondo ukukhetha izinhlangano ezinquma esivumelwaneni ukuthi kungenzeka yini ukwandiswa (ukuvuselelwa), kanye nokuhlinzeka "Amaholide esikweletu" ezimweni ezithile.
Kufanele kuqondwe ukuthi inani lenzalo yemalimboleko emincane liyabalwa ngezinsuku, hhayi ngeminyaka, njengasemabhange. Ngakho-ke, uma iphesenti lansuku zonke 2%, lapho-ke kuzoba ngonyaka ngaphezu kwama-700% wenani elitholwe ekuqaleni.
Ithiphu 4. Hlola ukusebenza kahle kwenhlangano, ukuhamba ekudlulisweni kwezimali
Imalimboleko emincane enenzalo ekhuphukile ifaka ukuphuthuma kokuthola inani elincane, kodwa elidingekayo. Ngakho-ke, kungcono ukhethe inkampani enayo kungenzeka ukudluliswa kwemali okusheshayo kumakhadi amabhange wesithathuNgomlando omuhle wokuxhumana nenkampani enjalo, inqubo yokuthola imali izothatha isikhathi esincane kakhulu.
Imininingwane ngesikhathi sokutholwa kwezimali kumele inikezwe ngummeleli wesikhungo sezikweletu.
Ithiphu 5. Cabanga ngezinga lesiza nobulula bemininingwane ethunyelwe kuyo
Uma inkampani inentshisekelo ekubambisaneni kwesikhathi eside futhi okunenzuzo nabangaboleka imali, kufanele kwenziwe imizamo ethile engxenyeni yayo ehlose ukuqinisekisa ukutholakala nokucaca kwemininingwane ikhasimende eliyidingayo.
Kakade ekhasini eliyinhloko lesiza esisemthethweni kufanele kube kuyaqondakala imininingwane mayelana nendlela yokusebenza nemibandela yokuthola imali mboleko encane... Ukuba lula kwesixhumi esibonakalayo somthombo oku-inthanethi nakho kubalulekile, ukuze ungadingi ukutadisha wonke amakhasi esayithi ukuthola imininingwane edingekayo.
Ukulondolozwa ekwakhiweni nasekugcinweni kwewebhusayithi esemthethweni kungakhombisa ukungasebenzi kahle kwabahleli besikhungo semali esetshenziswayo esincanyana, naso okufanele sixwayise lowo obolekayo.
6. Ungayikhokha kanjani imali mboleko encane oyitholile ku-inthanethi ekhadini? 💳
Kuxoxiswana ngemibandela yokubuyiselwa kwemali mboleko ngenqubo yokuyithola. Lapho udlulisela imali mboleko encane ekhadini lasebhange, imalimboleko etholiwe ingakhokhelwa ngokudlulisa imali kusuka ekhadini elifanayo. Ungadlulisa amanani adingekayo ku-e-wallet eshiwo ngumbolekisi noma wenze izinkokhelo ngokheshi.
Umboleki ngamunye angakhetha indlela elula yokubuyisa isikweletu:
- Ukubuyiselwa kwemali mboleko ngokheshi. Ngale ndlela yokukhokha yokusetshenziswa kwemali mboleko, ubukhona bomuntu odlulisa imali kuyadingeka. Ngemuva kokukhokha, umboleki kumele abe nedokhumende eqinisekisa ukuthi ukhokhile (isheke lika-cashier, isiliphu sesikweletu, irisidi). Ekukhokhelweni kokugcina kwesikweletu, kunconywa ukuthi uvakashele ihhovisi lenhlangano ukuze uthole izitifiketi zokuvala imali mboleko.
- Ikhadi lasebhange. Mhlawumbe indlela elula kakhulu yokwenza izinkokhelo ezijwayelekile nokukhokha izikweletu kwimalimboleko encane. Ukudlulisa izimali udinga ukwazi imininingwane yesikhungo sesikweletu, lolu lwazi lutholakala kumadokhumenti aqoqelwe lapho ufaka isicelo semalimboleko, kufaka phakathi nesivumelwano esinikezwe nge-elekthronikhi.
- Isikhwama esikwi-inthanethi. Indlela elula, kepha ehlotshaniswa nokusetshenziswa kwemali okwengeziwe efomini amakhomishiniukhokhiswa ngokusebenzisa insizakalo yokukhokha.
7.Imibuzo evame ukubuzwa (i-FAQ) kumalimboleko amancane 💬
Enkambweni yokutadisha imininingwane equkethwe kumawebhusayithi asemthethweni ezinkampanini zezimali ezincane, imibuzo ehlukahlukene ingavela kokubili ekutholeni imalimboleko emincane ngokujwayelekile, kanye nasezimweni ezivelayo esimweni esithile.
Umbuzo 1. Ungayithola kanjani imalimboleko emincane online ye-Qiwi wallet?
Kuphakama imibuzo eminingi ngokusetshenziswa kwama-e-wallets lapho uthola ama-microloans. Ungaphendula eminye yale mibuzo usebenzisa isibonelo sokuthola imali mboleko esikhwameni seQiwi.
Amatheminali asekela lolu hlelo lokukhokha ajwayelekile. Inkampani i-rightholder isungule izinhlelo zokwamukela izinkokhelo ku- uhlelo oluzimele lwe-elekthronikhi, ikuvumela ukuthi udlulise imali ngokukhululeka, ukhokhele izinsizakalo nezimpahla.
Umkhakha wokubolekisa awuzange ume eceleni nawo. Uhlelo lweKiwi seluyimoto ekahle yabantu ukuthi bathole imali encane.
Njengomthetho, izimalimboleko ezincane zokudluliselwa ku-Qiwi Wallet zinikezwa izakhamizi zaseRussia kusuka 18 ngaphambi 70 iminyaka... Lapho exhumana nenkampani yezimali ezincane okokuqala ngqa, umboleki kungadingeka ukuthi abe nekhadi lasebhange. Ukubambisana okuqhubekayo kungenziwa ngqo ngohlelo Qiwi... Ukusebenzisana okunjalo kungenzeka kuphela uma kungekho izikweletu ezisasele kanye nenkonzo kanembeza yemalimboleko yangaphambilini.
Izinzuzo (+) zokuthengiswa kwemikhiqizo yesikweletu ngohlelo lweQiwi yilezi:
- imibhalo emincane enikezwe ngumboleki;
- cishe ukudluliswa kwemali ngokushesha;
- ukusebenza kahle ekucabangeni isicelo;
- elula kubantu abasebenzisa imali kagesi.
Kwezinye izimo, kunezinhlelo zokwandiswa kwezivumelwano zemalimboleko, kanye nokuphakanyiswa okuhlukahlukene okwenzelwe abasebenzisi abaqotho bohlelo.
Okubi (-) kwemali encane ngeQiwi Wallet kufaka:
- inzalo ephezulu ejwayelekile yalolu hlobo lokubolekisa;
- ukuvuthwa okuncane kwemali mboleko;
- ikhomishini ohlangothini lwabasebenzisi bemali abasebenza ngogesi, okungakhokhiswa ngokukhokha okuqhubekayo emalimboleko.
Inqubo yokuthola i-microloan ku-Qiwi Wallet yenzeka ngezigaba eziningana:
- Ukudalwa kwesikhwama se-elekthronikhi. Lapho ubhalisa kuwebhusayithi yohlelo lwe-Qiwi, kukhonjiswa idatha yepasipoti nenombolo yeselula. Ukugunyaza kusayithi, udinga ukungena ikhodiithunyelwe enombolweni yocingo ebalulwe ngesikhathi sokubhalisa. Ngokuzayo, ukufaka uhlelo, sebenzisa umile (lapho ungena ngemvume kusuka kudivayisi ethile) futhi amaphasiwedi wesikhathi esisodwa... Ngemuva kokubhalisa kusayithi, umsebenzisi angakha isikhwama semali esebenzisa inketho efanelekile.
- Ukugcwalisa uhlelo oluku-inthanethi ukuthola i-microloan. Kwezinye izimo, uzodinga ukuthumela ukuskenwa kwepasipoti.
- Ilinde ukuvunywa kwesicelo.Ngemuva kokuthumela isicelo semalimboleko, ifoni yomboleki iyayithola umyalezo onekhodi ehlukile, okuzodinga ukufakwa kuwebhusayithi yenkampani yesikweletu, ukwethulwa kwale khodi kuqinisekisa ukwamukelwa kwezimo zesikweletu.
- Ukuthola imali.Ngemuva kokuvunyelwa kwemali mboleko, ngemuva kwesikhashana inani elidingekayo lizodluliselwa esikhwameni se-elekthronikhi, futhi idokhumende elektroniki elinezimo zemalimboleko lizothunyelwa kumboleki.
Umbuzo 2. Ngingathola imalimboleko emincane enomlando wesikweletu esibi?
Izikhungo zezimali ezincane zizama ukukhipha imali mboleko ngokushesha okukhulu. Ngenxa yalokhu, izinkampani ezinjalo azinaso isikhathi esanele sokuhlola bonke ababoleki. Ubungozi obuvela kule ndlela bunqunywa ngosayizi omncane wenani elibolekiwe kanye namazinga aphezulu wenzalo.
Kodwa-ke, ukuhlolwa kwesikweletu uqobo kuthatha mayelana 5 imizuzu, ngokufinyelela okufanele kwe I-BKI (isikhungo sezikweletu). Ngakho-ke, asikho isiqinisekiso esiphelele esinganikezwa lokho uma kunezikweletu ezinkulu kwezinye izimalimboleko, imali mboleko encane izovunyelwa. Ngaphezu kwalokho, inhlangano yezimali ezincane inelungelo lokwenqaba ukukhipha imali mboleko ngaphandle kokunikeza isizathu.
Ekuthintaneni kokuqala ku-MFO ethile, noma kunjalo, ungathembela kuphela kwimalimboleko yemali ephansi. Kumakholi alandelayouma zonke izikweletu kule nkampani zikhokhwa, umkhawulo wemalimboleko uyakhushulwa.
Lapho kunqunywa ukuthi izoyikhipha yini imali ebolekiwe kumuntu othile, ama-MFOs, njengomthetho, abheka izikweletu nokukhohlakala kuphela kwizimalimboleko zabo, imvamisa enganaki umlando wabo wonke wesikweletu. Ngakho-ke, bangathembela ekutholeni imalimboleko encane ngisho ababoleki abanedumela elonakele kwezinye izikhungo zezikweletu. Funda kabanzi ngemalimboleko enomlando wesikweletu esibi ku-athikili ehlukile kumagazini wethu.
Umbuzo 3. Ziyini izingozi zokuthola imali mboleko encane ngaphandle kokubheka umlando wakho wesikweletu?
Ngaphezu kwamanani aphezulu wenzalo, ukuvuthwa kwemali mboleko esheshayo namanani amancane emalimboleko, imali encane yemali inenye ingozi ebucayi. it inani elikhulu labakhwabanisiukuzama ukuthatha idatha yomuntu siqu yomuntu ngezinjongo zobugovu.
Kufanele uqaphele kakhulu izinkampani ezinolwazi oluncane kakhulu kusizinda somphakathi. Lokhu kusebenza nakubabolekisi abazimele.
Kwesinye isikhathi, uphendula amanani enzalo akhangayo, ungazithola usesimweni esingemnandi neze, ubeka engcupheni inhlalakahle yakho yezezimali nokuphepha kwedatha yomuntu siqu.
8.Imibuzo yokuphetha + yabafundi 🔔
Ekuphetheni, amanye amathiphu ambalwa wokukhetha nokusebenzela imalimboleko:
- Iseluleko 1. Iseluleko esikhulu lapho ukhetha imalimboleko yile hlola ngokwanele amakhono akho... Lapho ethola imali ngesikweletu, umboleki uthembisa ukubuyisa hhayi kuphela imali ebolekiwe, kodwa futhi nenzalo yokusebenzisa imalimboleko. Kuze kukhokhwe imali ebolekiwe kanye nayo yonke inzalo, isivumelwano semalimboleko sithathwa njengevumelekile... Ukubambezeleka kokukhokha okujwayelekile, ukukhokhelwa kwemali mboleko ngokubambezeleka - lolo lwazi lungaphazamisa ukutholwa kwemali mboleko ngokuzayo.
- Iseluleko 2. Thatha imali mboleko njengesinqumo sokugcina. Uma unethuba lokuboleka imali kubangani noma ezihlotsheni, kungcono ungasheshi ukuvakashela isikhungo sezikweletu.
- Iseluleko 3. Boleka inani elincane elidingekayo. Lapho imalimboleko iba nkulu, inkulu imali, eyakhiwa ngendlela yenzalo.
- Ithiphu 4. Uma kungenzeka, kunconywa kakhulu ukhokhe isikweletu ngokushesha okukhulu... Inani eliphelele lokusebenzisa imalimboleko likhula nsuku zonke. Ngokunjalo, isikhathi esincane semalimboleko esisetshenzisiwe, lapho kufanele ukhokhe imali encane kakhulu. Okuhlukile lapha kungabhekwa imali ekhokhelwa kusengaphambili, kepha imibandela enjalo, njengomthetho, ayisebenzi sonke isikhathi sesivumelwano semalimboleko.
- Ithiphu 5. Funda inkontileka ngokucophelela ngaphambi kokusayina futhi uqiniseke ukuthi kunethuba elihlose ukufeza yonke imibandela yesivumelwano semalimboleko. Uma kwenzeka ushintsho ku-solvency, kunconywa ukuthi wazise ngokushesha okweletwayo ngobunzima ahlangabezane nabo. Ngaphansi kwezimo ezithile, izikhungo zezezimali zinganikela ngalokho okuthiwa "Amaholide esikweletu", equkethe ikhefu elifushane kushejuli yokukhokha ejwayelekile engawuthinti umlando wesikweletu. Umbolekisi unesifiso sokuthola isamba sonke esifanele ngenxa yakhe, ngakho-ke, imvamisa amaqembu ayavumelana ukukhokhelwa kwezikweletu okuhlehlisiwe noma ukuhlela kabusha imali mboleko.
Imali mboleko encane - izindlela ezilula nezisheshayo zokuthola imali yezidingo eziphuthumayo. Lapho ufaka isicelo se-microcredit, akufanele ukhulule amandla akho ezezimali ukuze ungangeni ebugqilini bezezimali.
Ngokunaka imininingwane kanye nendlela ezwakalayo ekukhetheni izinketho zezimali zokusebenza, imalimboleko encane izoba yindlela enhle kakhulu yokuxazulula izinkinga zezinto ezibonakalayo, hhayi umthwalo ocasulayo.
Imibuzo kubafundi
Ngabe ufake isicelo kwi-MFI yemalimboleko encane ephuthumayo online? Unikezwe imali ngaphansi kwaziphi izimo?
Bafundi abathandekayo besayithi "RichPro.ru", uma unemibuzo noma ufuna ukwabelana ngombono wakho, isipiliyoni sakho, bese ushiya imibono yakho ngezansi bese ulinganisa lokho okubhaliwe!