Imalimboleko esheshayo - ungalithola kanjani ikhadi, i-akhawunti yasebhange noma ukheshi ngezinyathelo ezi-5 nokuthi ungayithola kuphi imalimboleko ku-inthanethi ngaphandle kokwenqaba khona manjalo futhi ubusuku nemini

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Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Kulesi sihloko, sizokhuluma ngokubolekwa kwemali okusobala: kanjani futhi kuphi lapho ungathola khona imalimboleko esheshayo ekhadini, kwi-akhawunti yasebhange noma ukheshi ku-inthanethi ngaphandle kokwenqatshwa, ngaso leso sikhathi nangehora (amahora angama-24 ngosuku).

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

Ngemuva kokufunda i-athikili eyethulwe, uzothola:

Iyini imalimboleko ebonakalayo;
Yiziphi izinzuzo nezinkinga zokubolekwa kwemali oku-inthanethi okusheshayo;
Ungayithola kanjani imali mboleko ngokushesha ekhadini, kwi-akhawunti noma kukheshi ngaphandle kokushiya ikhaya;
Kukuphi inzuzo ukuthola imalimboleko ebonakalayo ku-inthanethi / nge-Intanethi.

Ekupheleni kwendatshana, kunezimpendulo ngokwesiko emibuzweni ebuzwa njalo. Ngaphezu kwalokho, ukushicilelwa kuqukethe izeluleko zochwepheshe kwizimalimboleko eziveziwe.

I-athikili eyethulwayo izoba wusizo kuwo wonke umuntu - labo asebenqume ukuthola imali mboleko esheshayo. Kokunye konke, kuyasiza ukwazi ngohlobo olwethulwe lokubolekisa, ngoba akekho noyedwa oqinisekisiwe ngokumelene nesidingo sokuthola imali ngesikweletu. Ngakho-ke, ungachithi umzuzu, kungcono ukuqala ukufunda 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	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.

Imininingwane mayelana nemalimboleko eqondile: ungayithola kanjani ku-inthanethi nokuthi yiziphi izinkampani ezikhipha imali mboleko esheshayo ekhadini, kwi-akhawunti yasebhange noma kukheshi ngaphandle kokwenqaba futhi ubusuku nemini (24/7) - funda kulo magazini

1. Iyini imalimboleko ebonakalayo - ukubuka konke komqondo 📃

Izimo lapho imali idingeka ngokuphuthumayo azivamile. Ngasikhathi sinye, isikhathi esiningi asikho isikhathi sokubheka abangane abangaboleka noma balinde ibhange ukuthi libuyekeze isicelo. Kukuzimo ezinje lapho imalimboleko ebonakalayo ingasiza.

Veza imalimboleko iyinsizakalo yemakethe yezezimali ekuvumela ukuthi uthole imali ngokushesha -kungakapheli imizuzu engu-15 - 30ngemuva kokufaka isicelo.

Izici eziyinhloko zemalimboleko ebonakalayo ziyi:

asikho isidingo sokunikeza umbolekisi uhlu olukhulu lwemibhalo;
ukusebenzisa kabi imali, okungukuthi, obolekayo unelungelo lokusebenzisa imali ayitholile ngokubona kwakhe;
imvamisa ama-guarantors awadingeki;
imalimboleko ikhishwa ngaphandle kwesibambiso.

Phakathi kwezinye izinzuzo zemalimboleko ebonakalayo, okulandelayo kuvame ukushiwo:

cishe isinqumo esisheshayo / esisheshayo sombolekisi (kungakapheli imizuzu embalwa);
izinhlobonhlobo zokuvuthwa - kusuka ezinsukwini ezimbalwa kuye onyakeni noma ngaphezulu;
amandla okuthola imali ukude ngemodi onlinengaphandle kokuvakashela ihhovisi lombolekisi;
uma kungenakwenzeka ukukhokha isikweletu ngesikhathi, ungasebenzisa insizakalo yokwelula;
inombolo enkulu yezindlela zokubuyisa imalimboleko.

Ngakho-ke, imalimboleko ebonakalayo ingasiza ekubhekaneni nesimo esinzima kakhulu. Kepha kufanele kukhunjulwe ukuthi ukubolekiswa okunjalo kwenziwa ngemali encane - imvamisa ama-ruble angadluli ku-10 000.

2. Izinzuzo nobubi bemalimboleko esheshayo e-inthanethi - ama-nuances wokubolekwa kwemali 📊

Esinye sezici ezibaluleke kakhulu semalimboleko esiveza online uku isivinini esikhulu sokubhalisa... Imvamisa, kusukela ngesikhathi lapho uhlelo luqala khona nge-Intanethi kuze kutholakale imali, kungadluli imizuzu engama-30... Kungokwemvelo ukuthi ngalesi sikhathi ngeke kwenzeke ukubhekisisa kahle obolekayo. Ngakho-ke, imali mboleko evezwayo inikezwa ngamathuba amancane okwehluleka.

Esinye isici semalimboleko esheshayo sithi asikho isidingo sokunikeza ukuphepha njengoba izibambiso noma isibambiso... Kodwa-ke, abanye ababolekisi abawenqabeli umshuwalense oyisakhamuzi oyimpoqo. Le nsizakalo ingeyokuzithandela, kepha uma kwenzeka wenqaba ukukhipha inqubomgomo, inani lemalimboleko lingakhushulwa.

Ngakho-ke, izinzuzo eziyinhloko zemalimboleko ebonakalayo ziyi:

isinqumo esisheshayo ngesicelo;
isimo sobuqotho kubabolekisi;
asikho isidingo sokunikeza ukuphepha.

Kodwa-ke, lezi zinzuzo zemalimboleko esheshayo ziholela ekubonisweni kwezinhloko zazo ukuswela – inzalo ephezulu... Iqiniso ukuthi umbolekisi uhlala eyingozi kakhulu, enikeza ababolekayo imali ngaphandle kwesheke eliphelele. Le ndlela yokubolekisa iholela ekutheni izinga lingakwazi dlula 500% ngonyaka.

Izinga lenzalo ephezulu lenziwa ngezinto eziningana:

ngqo isilinganiso semalimboleko;
inkokhelo yokukhipha imali noma ukudlulisa imali ebolekiwe;
ikhomishini yokubolekwa kwemali mboleko;
izinkokhelo zesevisi yemalimboleko;
umshuwalense.

Okunye ukungalungi kwemali mboleko eqondile kungukuthi umkhawulo weminyaka eqinile... Imvamisa, ukubolekwa okunjalo kuyatholakala kubantu beminyaka yokuqonda. Ngakho-ke, ukuthola imali mboleko esheshayo cishe akunakwenzeka kubantu ngabanye kuze kube yiminyaka engama-24 ubudala.

Ungayikhipha kanjani kahle imalimboleko esheshayo ekhadini, kwi-akhawunti yasebhange noma kukheshi online - umhlahlandlela wesinyathelo ngesinyathelo wabaqalayo

3. Ungayithola kanjani imalimboleko esheshayo ekhadini, kwi-akhawunti yasebhange noma ku-inthanethi - imiyalo ngezinyathelo ezi-5 ezilula 📝

Ukuthola inani elidingekayo lemali ngokushesha futhi ngaphandle kwezinkinga ezingadingekile, kubalulekile ukwenza konke ngendlela efanele ngangokunokwenzeka. Ngakho-ke ngezansi kunikezwe i-algorithm yezinyathelo ngezinyathelo, ezosiza labo abafaka isicelo semalimboleko esheshayo okokuqala.

Isinyathelo 1. Ukukhetha umbolekisi

Imalimboleko ebonakalayo ingatholakala njenge- ebhangefuthi enhlanganweni yamabhizinisi amancane... Lapho wenza ukukhetha ngokuthanda kwesinye salezi zigaba, kubalulekile ukukhumbula ukuthi ngasinye sinezici zaso:

Amabhange cabanga ngezicelo zemalimboleko isikhathi eside. Bahlaziya ngokucophelela abangaba ababoleki. Kodwa-ke, inzuzo yezinhlangano zamabhange yi okuningi imigomo yesikweletu evumayo... Siphinde sabhala nokuthi yiliphi ibhange elingcono ukuthatha imalimboleko ngenzalo ephansi - sikucebisa ukuthi ufunde le ndatshana.
Izinhlangano zezimali ezincane bathembeke kakhulu kumakhasimende abo. Ngakho-ke bayamukela isinqumo ngezicelo emaminithini ambalwa - imvamisa awekho ngaphezu kweshumi. Amathuba okuvunywa lapho uthinta izinkampani ezinjalo nawo aphezulu kakhulu - ngakho idlula 90%... Kodwa-ke, labo abakhethe i-MFI kufanele bazilungiselele ukukhuphula inzalolapho lezo zinhlangano zivikelekile ekungabuyisweni kwemali ekhishiwe.

Isinyathelo 2. Ukukhetha uhlelo lwemalimboleko

Ezimweni eziningi, umbolekisi ngamunye unikela ngezinhlelo eziningana ngezimo ezihlukile. Kuyafaneleka ukuzihlaziya zonke bese ukhetha eyodwa eyamukelekayo kakhulu kumboleki.

Kulokhu, kufanele unake i- inani lemalimboleko elikhonakanye nokuqhubeka isikhathi, lapho uzodinga ukubuyisa imali etholakele. Ngaphezu kwalokhu, kubalulekile ukuthola ukuthi yikuphi unswinyo faka isicelo ezimweni lapho ukukhokha sekudlule isikhathi.

Isinyathelo 3. Ukwenza isicelo esiku-inthanethi semalimboleko esivelile

Namuhla ungathola imali mboleko, ngaphandle kokushiya ikhaya... Siza ukwenza lokhu izicelo ze-inthanethi... Kwanele ukuya kusayithi lombolekisi okhethiwe bese ufaka idatha ngendlela efanele.

Lapho ugcwalisa isicelo, kubalulekile ukuthi uqaphele kakhulu. Noma yimaphi amaphutha noma ukungahambelani kwedatha kungaholela esinqumweni esingalungile. Imvamisa udinga ukugcwalisa imininingwane yomuntu, imininingwane yemali engenayo futhi indawo yokusebenza... Ngaphezu kwalokho, ezimweni eziningi kuyadingeka ukuthi ucacise imingcele yemalimboleko edingekayo - isamba futhi isikhathi.

Lapho nje yonke imikhakha yesicelo ifakwa, izothunyelwa kubaphathi bemalimboleko ukuthi bayicubungule.

Isinyathelo 4. Ukulinda isinqumo

Imvamisa isinqumo ngesicelo sombolekisi senziwa ngokushesha - kungakapheli imizuzu eyi-10 ubuningi... Ngokwemvelo, akunakwenzeka ukubheka umlando wesikweletu walowo oboleke isikhashana esifushane. Ngakho-ke, idumela lalowo obolekayo alithinti impendulo yombolekisi.

Isinqumo sesicelo singaziswa umfakisicelo ngezindlela eziningana:

Umlayezo we-SMS;
ngocingo;
kuwebhusayithi yomboleki ku-akhawunti yomuntu obolekayo;
nge-imeyili.

Isinyathelo 5. Ukuthola imali

Uma, ngokuya ngemiphumela yokucubungula isicelo, okuhle ikhambi ukuthola imali. Lokhu kungenziwa ngokuya ehhovisi lombolekisi ngemuva kokuthola imali ukheshi.

Kodwa-ke, indlela elula kunazo zonke yokuthola imalimboleko ukukhetha ikhadi lasebhange noma isikhwama online... Kulokhu, awudingi nokushiya ikhompyutha yakho. Kuma-athikili adlule, sitshele ngokuningiliziwe ukuthi ungasifaka kanjani isikweletu online kwikhadi futhi lapho ungathola khona imali mboleko esikhwameni seQiwi ngaphandle kokwehluleka ubusuku nemini - sincoma ukuthi uzifunde ngokucophelela.

Ngale ndlela, ukubhaliswa kwemali mboleko ebonakalayo - inqubo ilula kakhulu. Kwanele ukulandela izinyathelo ezichazwe ukuthola imali ngokushesha futhi ngaphandle kwezinkinga.

4. Imalimboleko esheshayo e-inthanethi - Izinkampani ze-TOP-7 ezinikeza imali mboleko ekhadini noma kwi-akhawunti yamanje ngokushesha ubusuku nemini futhi ngaphandle kokwenqaba 💰

Ungathola imalimboleko ebonakalayo ngokuxhumana nenhlangano yasebhange noma yemali encane enikela ngemali mboleko esheshayo online ubusuku nemini (amahora angama-24 ngosuku) ngokushesha nangaphandle kokwenqaba.

Umbolekisi ngamunye ubeka imigomo yakhe - isamba, isilinganiso, isikhathi... Futhi, izidingo zabafuna ukuboleka imali ezinkampanini zehlukile.

Ngokuvamile kunzima ukuzihlaziya ngokuzimela inani elikhulu lezikhungo zezikweletu bese ukhetha okungcono kakhulu. Ngakho-ke, sikweluleka ukuthi unake izilinganiso zababolekisi ezihlanganiswe ochwepheshe.

Ngezansi kunesibonelo Izinkampani TOP-7 ngemibandela yesikweletu evumayo kakhulu.

1) I-Alfa Bank

I-Alfa Bank unolwazi lomsebenzi omude. Ngalesi sikhathi, wazuza ukuthandwa ngaphandle kokungcolisa igama lakhe.

Lapha ungathola ikhadi lesikweletu ngokushesha okukhulu nangokunethezeka. Isici somkhiqizo oqanjwe igama yi- ukutholakala kwesikhathi somusa... Kubhala Izinsuku ezingama-60... Sonke lesi sikhathi, izimali zesikweletu zingasetshenziswa ngaphandle kokukhokha inzalo. Isamba semali mboleko esiphezulu ngu- Ama-ruble ayizinkulungwane ezingama-300.

Ungafaka isicelo sekhadi lesikweletu ngqo kuwebhusayithi yebhange. Ngemuva kwemizuzu embalwa, omele ibhange uthinta ofake isicelo ukuze acacise imigomo yesikweletu.

2) Ibhange iTinkoff

I-Tinkoff - Ibhange lokuqala laseRussia elisebenza ngokugcwele nge-Intanethi. Lapha ungathola ikhadi lesikweletu elinomkhawulo kufika kuma-ruble angama-300,000.

Ukucatshangelwa kwesicelo esithunyelwe kusayithi kuyenziwa kungakapheli imizuzu engu-5... Ikhadi lilethwa ekhaya lakho noma ehhovisi kukheli eliboniswe ngumfakisicelo.

Ikhadi lesikweletu livumelekile Isikhathi somusa ngezinga le- Izinsuku ezingama-55... Uma ngalesi sikhathi kungenzeki ukubuyisa imali mboleko, kuzokhokhiswa inzalo kuyo ngesilinganiso 19,9% ngonyaka.

Inzuzo yekhadi lesikweletu likaTinkoff ukutholakala ukubuyisa imali... Okusho ukuthi, ingxenye yezimali ezichithwe kwifomu okungeyona eyemali izobuyiselwa ekhadini (ekuthengeni ngakunye kuze kufike ku-30%).

3) I-VTB Bank yaseMoscow

I-VTB Bank yaseMoscow inikeza amaklayenti imalimboleko ehlukahlukene. Uma sibheka inketho yokufaka isicelo semalimboleko ebonakalayo, ikhadi lesikweletu lilungile. "Intela ephansi"... Kuyo ngesikhathi Izinsuku ezingama-50 kunesikhathi esingenayo inzalo. Ibuye inikeze ukubuyisa imali ngezinga le- 5% ukuthenga okwenziwe.

Ukufaka isicelo sekhadi le-VTB Bank of Moscow, kwanele ukugcwalisa ifomu elihlongozwayo kuwebhusayithi. Impendulo kuzodingeka ilinde kungabi ngaphezu kwemizuzu engu-15... Uma kunesinqumo esivumayo, kuhlala kuthinta ihhovisi lasebhange ngemibhalo bese ulithatha ikhadi.

4) Umuntu wemali

Indoda yemali - inhlangano yezimali ezincane enikeza imali ngokushesha okukhulu. Ngasikhathi sinye, inani lemali mboleko eliphakeme lifinyelela Ama-ruble angama-70,000.

Ukufaka isicelo semalimboleko, kwanele ukufaka isicelo kuwebhusayithi yenkampani. Emaminithini ambalwa uzothola impendulo evela enkampanini. Ungathola imali ukheshi, kwi-akhawunti yasebhange noma imephu.

UMoneyman unikeza amaklayenti amasha ukuthi awathole Ama-ruble ayi-10 000... Kuzofanele babuyiswe esikhathini 5-18 amasonto... Ngokuzayo, ngokulandelana uhamba ngezinyathelo ezimbalwa, ungazithuthukisela izimo zokubolekisa.

5) IVivus

IVivus - inhlangano yezimali ezincane, lapho isicelo singathunyelwa khona ngepasipoti eyodwa kuphela. Kulokhu, impendulo kuzofanela ilinde kungadluli isigamu sehora.

Ngalesi sikhathi, umbolekisi unesikhathi sokubheka umlando wesikweletu. Kodwa-ke, akaholiswa ngaso sonke isikhathi lapho ethatha isinqumo.

Imali mboleko yokuqala enkampanini ikhishwa ngenani le- kuze kufinyelele ku-15,000 ruble... Uma uyikhokha ngesikhathi, ungathembela ekukhuleni kwenani nokwehla kwezinga lenzalo.

6. IKredito24

Kredito24 inikeza imali mboleko enanini kufika kuma-ruble angama-30,000... Isikhathi sokukhokha semalimboleko ebolekiwe ayidluli 30 izinsuku.

Ukuthola imali mboleko, uzodinga umakhalekhukhwini, isithombe sephasiphothi esezingeni eliphakeme kanye nekhadi lasebhange.

Ngemuva kokuphothula uhlelo lokusebenza, udinga ukulinda cishe imizuzu eyi-15 izinqumo zombolekisi. Akunasidingo sokunikeza noma yisiphi isibambiso, futhi azikho izimali zokubolekwa. Impela yonke imisebenzi enkampanini ivikelwe uhlelo lokuphepha lwakamuva.

7) Isikhathi

Ama-IFIs Zimer unikeza ukuthola kufika kuma-ruble angama-30,000 isikhathi se kungadluli izinsuku ezingama-30... Ukuze wenze lokhu, kuwebhusayithi yenkampani, kwanele ukukhombisa inani elidingekayo, isikhathi bese ufaka idatha yomuntu siqu.

Irobhothi liphethe ukucubungula izicelo. Ngakho-ke, impendulo ngeke ilinde isikhathi eside - esiphezulu 5 imizuzu... Ungaba umboleki noma yiluphi usuku lwesonto, nganoma yisiphi isikhathi sosuku.

Ukuze kube lula ukuhlaziywa nokuqhathaniswa kwababolekisi abachaziwe, imigomo emikhulu yemalimboleko yethulwe etafuleni elingezansi.

Izinhlangano ezinkulu zezikweletu nemibandela yazo yokukhipha imali mboleko esheshayo:

№	Obolekayo	Inani, ama-ruble ayizinkulungwane	Linganisa	Design umehluko wemisindo nemiqondo yamagama
1	*I-Alfa Bank*	Kuze kufike ku-300 ngekhadi lesikweletu	23.99% ngonyaka	Isinqumo sokuqala kuwebhusayithi, ukuthola ikhadi - emnyangweni
2	*Ibhange iTinkoff*	Kuze kufike ku-300	19.9% ngonyaka	Ukubhalisa kungakapheli imizuzu emihlanu, ukulethwa kwekhadi ekhaya noma ehhovisi
3	*I-VTB Bank yaseMoscow*	Kuze kube ngu-350	24.9% ngonyaka	Isicelo sifakwa kuwebhusayithi, ukuthola ikhadi - ehhovisi
4	*Indoda yemali*	Kuze kube ngu-70	1.85% nsuku zonke	Imali mboleko yokuqala efinyelela kuma-ruble ayizinkulungwane eziyishumi
5	*IVivus*	Kuze kube ngu-15	1.1% nsuku zonke	Umlando wesikweletu uyahlolwa
6	*Kredito24*	Kuze kube ngu-30	1.9% nsuku zonke	Ukuthola ekhadini lasebhange ngaphandle kokushiya ikhaya
7	*Zimer*	30	1.9% nsuku zonke	Isinqumo sithathwa yirobhothi

5. Uyikhokhela kanjani imali ebolekiwe - izindlela ezi-5 ezidumile zokuvala imali mboleko esheshayo

Kunezinketho ezimbalwa zokubuyiselwa kwemali mboleko. Umboleki ngamunye unelungelo lokukhetha indlela ayibona yamukeleka kakhulu kuye.

Kuchazwe ngezansi izindlela zokukhokhaethandwa kakhulu.

Indlela 1. Imali ehhovisi lombolekisi

Le ndlela yokukhokha inezinzuzo eziningi:

ayikho ikhomishini yokufaka izimali;
imali iya ngqo kumbolekisi, ngakho-ke akudingeki uyilandele.

Kodwa-ke, ngaphandle kwezinzuzo ezingangatshazwa, ukubuyiselwa kwemali ehhovisi lenkampani kunakho kusimo - kuzofanele usebenzise isikhathi sakho ukuya emnyangweni, futhi, mhlawumbe, ume kulayini.

Indlela 2. Ngekhadi lasebhange

Ngokwenza inkokhelo, noma yiliphi ikhadi lasebhange... Kepha kunesidingo - ngokuya ngamapharamitha ekhadi, kufanele livumele ukwenza izinkokhelo ze-Intanethi.

Le nketho ilula ngoba yonke inqubo yenziwa kusetshenziswa ikhompyutha exhunywe kwinethiwekhi. Awudingi ukushiya indlu. Kepha kufanele kukhunjulwe ukuthi imvamisa ukukhokhiswa kwemali kuyakhokhiswa ikhomishini.

Indlela 3. Imali ye-elekthronikhi

Abanikazi be-E-wallet bangakhokha ngosizo lwabo. Ngokwemvelo, kuleli cala, isikhwama semali kufanele sibe nezimali ngenani elanele lokusebenza.

Uma kungekho mali ohlelweni lokukhokha, isikhwama semali kuzodingeka sigcwaliswe futhi, okuyinto engeyona elula kakhulu.

Indlela ye-4. Nge-terminals yokukhokha

Namuhla, amatheminali wokukhokha angatholakala yonke indawo. Zifakwe ezindaweni eziningi zomphakathi - ezitolo, emigwaqweni engaphansi komhlaba, ezindaweni zokuthenga.

Ukwenza inkokhelo, ungahle udinge imininingwane yenkampani yesikweletu, futhi inani lesivumelwano... Lapho uwafaka esikrinini, kubalulekile ukuthi uqaphele ngokusemandleni akho, amaphutha azoholela ekutheni imali kuzofanele ibhekwe isikhathi eside.

Indlela 5. Nge-Russian Post

Abasebenzisi abaningi babheka le ndlela njengokulula kakhulu. Noma kunjalo, iyasetshenziswa futhi. Ububi bokukhokha ngamaposi akuyona nje kuphela ulayini omude, kepha futhi ubalulekile ikhomishini – 1-3%, futhi ukudluliswa kwemali isikhathi eside – kufika ezinsukwini eziyi-10.

Ngakho-ke, kunezindlela ezimbalwa zokukhokha imali mboleko. Kepha kufanele ucabangele isikhathi sokudluliswa kwezimali nokuba khona kwekhomishini. Akufanele sikhohlwe ukuthi ukukhokhwa kwemali mboleko okungakafiki isikhathi noma okungaphelele kuzoholela ku isijeziso futhi inhlawulo.

Izeluleko namasu awusizo angama-6 wokuthola imalimboleko ebonakalayo evela kochwepheshe

6. Iseluleko esisebenzisekayo lapho ufaka isicelo semalimboleko esheshayo esheshayo yabaqalayo 💎

Ngaphambi kokuthatha imali mboleko esheshayo, udinga ukucabanga ngokucophelela. Isinqumo sokwamukela lezo zibopho kufanele sicatshangelwe kahle. Uma umboleki ewabheka kabi amandla akhe wezezimali, angahle abhekane nobunzima nezinkinga ezinkulu.

Ngezansi kukhona iseluleko sochwepheshe, ezosiza abantu abanquma ukuthola imalimboleko ebonakalayo.

Ithiphu 1. Sebenzisa amakhredithi asheshayo kuphela ezimweni ezimbi kakhulu

Izinga lenzalo elikhulu kufanele liphoqe abazoba ababoleki ukuthi bahlole ngokucophelela ukuthi badinga imalimboleko engakanani. Uma kunethuba lokuboleka imali ezihlotsheni noma ulinde nesixazululo senkinga kuze kufike umholo, akufanele wenze isivumelwano semalimboleko.

Kubalulekile ukuqonda, akunakwenzeka ukuthenga ngezimali ezibolekiwe izinto ezingabalulekile... Injabulo evela ekuthengeni izodlula maduzane, futhi isikweletu esinesidingo sokukhokha inzalo sizohlala.

Ithiphu 2. Ukukhetha umbolekisi kufanele kuqaphe ngangokunokwenzeka

Enqubweni yokukhetha, amaphesenti aphansi akufanele abe umbandela kuphela. Imibandela yezikweletu eyehluke kakhulu kunabaqhudelana nayo ingakhombisa imisebenzi yokungathembeki yenkampani. Ngale ndlela, amakhasimende angakhangwa, ngenkathi imali izokwanda ngenxa ye- izimali ezifihliwe futhi akuboniswanga ohlelweni lwemalimboleko izinkokhelo.

Indlela ekahle yokuthola inkampani enguzakwethu ukuhlaziya izeluleko zochwepheshe, bese utadisha izibuyekezo zombolekisi kwi-Intanethi.

Ithiphu 3. Kubalulekile ukutadisha ngokucophelela imigomo yesivumelwano

Ngaphambi ukusayina isivumelwano semalimboleko (kufaka phakathi nge-SMS) kufanele uyifunde ngokucophelela. Impela zonke izigaba ezikule dokhumenti, ngemuva kokusayina, zizosebenza.

Ikakhulukazi ngokucophelela kufanele ufunde amaphuzu aphathelene imigomo yemalimboleko... Kuzosiza futhi ukuzijwayeza ngokushesha ngamaphuzu aphathelene imiphumelaokwenzeka ngokusebenza okungaphelele noma okungakafiki kwesibopho.

Ithiphu 4. Musa ukweqisa inani lemalimboleko

Lapho wenza imalimboleko, awukwazi ukuthatha okungaphezu kokudingekile, uma kwenzeka, kugcinwa. Kufanele kukhunjulwe ukuthi inzalo izokhokhiswa kuyo yonke imali yesikweletu.

Imali eyengeziwe kungenzeka ichithwe. Kepha kuzofanele babuyiswe noma kanjani, futhi nenzalo.

Ithiphu 5. Kubalulekile ukuhlola ngokunembile amathuba okubuyiselwa kwemali mboleko

Ngaphambi kokufaka isicelo, kufanele uhlaziye ngokucophelela amandla akho wezezimali, ucabange ukuthi ungasikhokha kanjani isikweletu.

Uma ungenaso isiqiniseko sokuthi uzokwazi ukukhokha imalimboleko ngesikhathi, kungcono ukuthi ungayikhiphi. Ngaphandle kwalokho, isimo sezezimali esivele singenakulinganiswa singaba sibi kakhulu.

Ithiphu 6. Izindleko zemalimboleko kufanele zilinganiswe ngaphambi kokuyithola

Kubalulekile ukuqonda ngokushesha ukuthi ngabe obolekayo ukulungele yini ukuthola inani elithile lezindleko ukuze akwazi ukusebenzisa imali lapha manje.

Iningi lababolekisi libonisa inani lokukhokhwa ngokweqile ekhasini eliyinhloko lesayithi labo. Kodwa-ke, ekubaleni, ungasebenzisa okujwayelekile wokubala wesikweletu.

Ngokulandela lezi zeluleko, ungaqiniseka ukuthi imali mboleko izodlula ngaphandle kwezinkinga, futhi imali oyitholile izosiza, hhayi ukukuqhubela ebugqilini obukhulu nakakhulu.

7.Imibuzo evame ukubuzwa (i-FAQ) kwizimalimboleko eziveziwe 💬

Sihlala sibakhathalele abafundi bethu, ngakho-ke, ngokwesiko ekugcineni kokushicilelwa sinikeza izimpendulo zemibuzo evame ukuvela ngesihloko esicatshangelwayo. Sithemba ukuthi ibhulokhi yanamuhla yolwazi oluwusizo izokusiza ukuthi uthole imali mboleko ebonakalayo kahle kakhulu.

Umbuzo 1. Kungenzeka yini ukukhipha ngempumelelo imalimboleko esheshayo ekhadini le-Sberbank online ngaphandle kwepasipoti?

Kubalulekile ukuqonda ukuthi ngaphandle kwepasipoti, ngeke kutholakale imali mboleko ehhovisi lesikhungo sezikweletu ngaphansi kwanoma yiziphi izimo. Yile dokhumenti kuphela engaqinisekisa ubunikazi bomboleki.

Kodwa-ke, lapho ufaka isicelo semalimboleko online nge-MFO, awudingi ukwethula ipasipoti, ezimweni eziningi akudingekile ngisho nokulanda ukuskena kwayo. Into ebaluleke kakhulu ukufaka ngokunembile nangaphandle kwamaphutha ukufaka idatha yedokhumenti ezindaweni ezifanele zohlelo.

Umbolekisi ophoqelekile usebenzisa yolwazi olukhethekile, qiniseka ukuthi ipasipoti isebenza. Kulesi simo kuphela ongathembela esinqumweni esihle kuhlelo lokusebenza.

Manje mayelana nokuthola imali mboleko esheshayo ekhadini le-Sberbank. Isikhungo esikweletwa ngokwaso asihlinzeki ngemisebenzi enjalo yezezimali.

Noma kunjalo, kungenzeka ukuthi ukhiphe imalimboleko ekhadini laleli bhange. Lokhu kungenziwa ngokuxhumana nenye yezinhlangano eziningi zezimali ezincane ezikhipha ngokuzithandela leyo mali ngokushesha nangaphandle kokwenqaba.

Ama-MFO amaningi akhipha imalimboleko esheshayo engenazinkinga ekhadini le-Sberbank ngaphandle kokukhombisa ipasipoti, noma ngabe unomlando omubi wesikweletu

Imalimboleko ebonakalayo ekhadini le-Sberbank inezinzuzo eziningi:

akudingeki ukuthi uqoqe izitifiketi futhi unikeze iphakethe lonke lamadokhumenti kumbolekisi, kwanele ukukhombisa idatha yepasipoti kuhlu lwemibuzo;
asikho isidingo sokunikeza ukuphepha ngendlela yesibambiso noma ama-guarantors;
ukucatshangelwa cishe ngokushesha kwesicelo nokutholwa kwemali;
ungathola imali mboleko noma ngabe kwenzeka umlando wesikweletu owonakele;
ukwamukela imali, awudingi ukushiya ikhaya, yonke inqubo yenziwa nge-Intanethi.

Umbuzo 2. Kungenzeka yini ukuthola imalimboleko esheshayo ekhadini noma ngokheshi onomlando omubi wesikweletu (ngaphandle kwesheke le-CI)?

Abaningi, ngaphambili ababengakhokhi njalo imali ebolekiwe ngesikhathi, babhekana nenkinga yokwenqatshwa kwezicelo ezifakwe emabhange.

Noma kunjalo, usengathola imali oyidingayo. Ukuze uthole lokhu kufanele uxhumane ezinhlanganweni zezimali ezincane... Iningi labo likhipha imali mboleko cishe ngaso leso sikhathi nangokuvunywa okungu-100%, ngakho-ke umlando wesikweletu (i-CI) cishe awukaze uhlolwe... Sesivele sixoxile ngokuningiliziwe endatshaneni yethu lapho ungathola khona imali mboleko enomlando omubi wesikweletu kanye nobugebengu obuvulekile, nokuthi yimaphi amabhange angayihloli i-CI yababolekisi bawo.

Isikhathi esincane sokucubungula siholela kwesinye ikakhulukazi... Noma uthola isinqumo esingesihle, ungahlala ngokushesha gcwalisa ifomu kuwebhusayithi yenye inkampani.

Ngaphezu kwalokho, namuhla kunezinsizakalo ezimbalwa eziku-inthanethi okuthi, uma ufaka isicelo semalimboleko kubo, uzithumele kuma-MFO amaningi. Obolekayo kufanele alinde impendulo, futhi lapho ethola isinqumo esihle kubabolekisi abaningana, khetha inhlangano eyodwa.

Umbuzo 3. Ungasitholaphi futhi kanjani isikweletu seYandex Money ngokushesha?

Imvamisa, abasebenzisi bezikhwama ohlelweni lweYandex.Money bafuna izindlela zokuzigcwalisa, futhi kaningi bafuna ukwenza lokhu ngemalimboleko. Ngakho-ke, kuyasiza ukwazi ukuthi ungasithola kanjani isikweletu kule mali.

Izindlela zokuthatha imali mboleko ngokushesha kuYandex.Money

Ngenkathi ungene I-WebMoney yakhelwe ngokukhethekile isilinganiso sesikweletuethandwa ngabasebenzisi, I-Yandex ayihlinzeki ngalutho. Ngakho-ke, ababolekisi abangathembekile abazibeki engcupheni. Le ndlela yaholela eqinisweni lokuthi bambalwa abantu abavuma ukuthola imali mboleko ku-Yandex Money.

Kodwa-ke, ithuba lokuthola imali ngemalimboleko lisekhona. Abanye abasebenzisi be-intanethi banikela faka isicelo semalimboleko ngezinye izindlela zokukhokha – I-WebMoney noma ikiwi... Ngemuva kwalokho lezi zimali ziguqulwa zibe yimali ye-Yandex ngosizo lwabashintshi abakhethekile. Le ndlela, vele, ikhona, kepha ibiza kakhulu.

Kufanele kukhunjulwe ukuthi ukuguqulwa kwezimali ze-elektroniki impela ikhomishini ephezulu... Lokhu kuholela ekukhuleni okukhulu kwezindleko zemalimboleko.

Kukhona ezinye izinketho ezinenzuzo enkulu yokuthola imalimboleko:

ImaliMan ikhipha imali kubanikazi bezikhwama eziqinisekisiwe zeYandex. Ngasikhathi sinye, ungathola ngokushesha kufika kuma-ruble angama-30,000... Ngokokuqala ngqa, kukhishwa imali mboleko vula 10 000 ama-ruble, lapho ukhokha ngempumelelo, ungathembela ekukhuleni komkhawulo.
Ungaboleka nezimali ngesevisi yePlatiza... Ukwenza lokhu, ungasebenzisa eyodwa yezindlela ezimbili ezitholakalayo. Okokuqala, ungangena ngemvume ePlatiza usebenzisa i-Yandex yakho. Inketho yesibili ukukhetha into yemenyu ethi "Phezulu phezulu" kusevisi yeYandex Money bese uqhafaza ku- "Transfers from another service". Ohlwini oluvelayo, thola Izinhlangano zezimali ezincane.
Ibhange iTinkoff unikeza uku-oda ikhadi elikhethekile kubanikazi be-Yandex. Iboshwe kalula esikhwameni futhi ikuvumela ukuthi uthole kalula ama-microloans ngemali ye-elekthronikhi. Isikhathi sokukhiqiza ikhadi elinjalo ngu cishe amasonto amabili, izindleko zokukhishwa - ama-ruble angadluli ku-200.
Uma kungekho okukhethwa kukho okwavela nganoma yisiphi isizathu, ungasebenzisa imalimboleko yangasese. Namuhla ku-Intanethi kunenqwaba yezikhangiso ezivela kubatshalizimali abazimele abathembisa ukuthola imali mboleko, kufaka phakathi neYandex Money. Kufanele kuqondwe ukuthi inzalo yemalimboleko enjalo iphezulu impela. Kubalulekile futhi ukukhumbula okungenzeka ukukhwabanisa futhi awunakukhokha imali ngaphambi kwesikhathi.

Ngakho-ke, kunezindlela eziningi impela zokuboleka imali ku-Yandex. Kubalulekile kuphela ukukhetha okulungile kakhulu.

Umbuzo 4. Ungasithola kanjani isikweletu esisheshayo esisheshayo ekhadini leKukuruza?

Namuhla kulula kakhulu ukuthola imali mboleko ekhadini lepulasitiki. Ngakolunye uhlangothi, kunethuba lokwenza lokhu ngaphandle kokushiya ikhaya, ngakolunye uhlangothi, kulula kakhulu ukusebenzisa imali etholwe kuleli cala. Ungakhokha ngekhadi ngaphandle kwekhomishini ezitolo, obolekayo unelungelo lokukhipha imali nganoma yisiphi isikhathi endaweni elula.

Ngendlela, ngalezi zinhloso akudingekile ukuthi ube ngumnikazi wekhadi lepulasitiki lebhange laseRussia, imvamisa lisondele kakhulu zokuxhumana salon I-Euroset... Kuyo ungahlela kalula okuhlukile ikhadi leplastiki Ummbila.

Thola imephu Yommbila kungaba nomuntu ophendukile Iminyaka engu-18... Lokhu kungenziwa ngemizuzu emi-5 ku-Euroset. Kukhona Izinketho zemephu ezi-2: i-debit nekhadi lesikweletu. Umkhawulo wokuboleka wesibili unqunywa ngokuya ngesicelo esifakiwe.

Kuvela ukuthi ngeke kube lula ukukhipha imalimboleko ngokushesha ngemuva kokukhishwa kwekhadi. Kunoma ikuphi, kuzofanele ulinde isinqumo senkampani yezokuxhumana noma izinkampani zezimali ezincane.

Imalimboleko esheshayo ekhadini leKukuruza nge-Intanethi (online) - ukubuka konke kwe-MFI

UKukuruza usebenza ngamakhadi 2 izinkampani - MigCredit futhi UMili... Ukuze uthole imali mboleko, udinga umbhalo owodwa - ipasipoti, isinqumo ngesicelo senziwa cishe ngesikhathi 15 imizuzu.

Ukuze kube lula ukuqhathanisa izimo zezikweletu kulezi zinhlangano, zethulwa etafuleni elingezansi.

Ama-MFO nemibandela yawo yokunikeza imali mboleko esheshayo ekhadini leKukuruza:

Igama lombolekisi	Inani lemali mboleko	Linganisa	Isikhathi semali mboleko	Imibhalo yokubhaliswa	Iminyaka yobolekayo
*MigCredit*	Kusuka kuma-ruble ayizinkulungwane ezinhlanu kuya kwezingama-20	1.6% nsuku zonke	Izinsuku ezingama-28-168	Iphasiphothi kanye nomazisi wesibili	Kusukela eminyakeni engama-21 ubudala
*UMili*	2-12 ayizinkulungwane ruble	2% nsuku zonke	Izinsuku 3-30	Iphasiphothi	Kusukela eminyakeni engu-18 ubudala

Kuma-MFIs UMili kunendlela elula yokubhalisa neyokuhlonza. Ukufaka isicelo, kwanele ngena ngemvume usebenzisa enye yezingosi zokuxhumana nabantu.

Kodwa-ke, ikhasi langempela kufanele likhonjiswe, ngaphandle kwalokho uhlelo lokusebenza luzokwenqatshwa nakanjani. Ngaphezu kwalokho, kubalulekile ukuqiniseka ukuthi ikhasi alinayo imininingwane engalungile noma eyihlazo. Idatha enjalo ingakhombisa ubuqili nokungathembeki kombolekayo.

Ngakolunye uhlangothi, ku MigCredit ungafaka isicelo semalimboleko nge-Intanethi. Ngakho-ke, kubonakala sengathi izakhamizi ezihlala kunoma yisiphi isifunda nazo zingathola imali mboleko. Kodwa-ke, kusazodingeka uxhumane ne-Euroset salon yekhadi le-Kukuruz. Ngakho-ke, kuyalulekwa ukufaka isicelo semalimboleko kuphela kulabo abanethuba lokuvakashela le nhlangano.

Lapho uthola imali mboleko ekhadini leKukuruz, kufanele ukhumbule ukuthi kuzofanele uyibuyise ngokushesha okukhulu. Ngaphezu kwalokho, ku MigCredit kuzofanele ukhokhe okungenani kanye njalo emavikini ama-2... Uma usikhokha ngokushesha isikweletu, kuzodingeka ukhokhe imali encane. Ngokubheka iqiniso lokuthi inzalo yemalimboleko emincane ikhokhiswa nsuku zonke, iseluleko ngokukhokha okusheshayo kwezibopho ngaphansi kwesivumelwano siba semqoka kakhulu.

Kufanele kukhunjulwe ukuthi ababolekisi banikela ngamakhasimende we-bona fide athola njalo futhi abuyise imali efika ngesikhathi izimo eziqotho ngokwengeziwe... Ngakho-ke, kubalulekile ukwehla kwamazinga wenzalo.

Kulula ukuthola imali mboleko yekhadi leKukuruza: kwanele ukufaka isicelo nge-Intanethi... Kulokhu, ikhadi kufanele libe njalo okuqokiwe, okungukuthi, kufanele uqiniseke ukuthi igama nesibongo salo mnikazi ziphrintiwe ohlangothini lwayo lwangaphambili.

Kubalulekile ukwazi, labo abangenalo ikhadi le-Corn okwamanje bangafaka isicelo. Ngemuva kokuthola isinqumo esihle, kungenzeka ukuthi uye ekhadini ku-Euroset. Kulokhu, kukhishwe ekuqaleni ipulasitiki engenagama... Ngokusetshenziswa kwedatha yomnikazi, ikhadi lizokhishwa emasontweni ambalwa.

Lapho uthatha isinqumo sokuthola imali ngesikweletu ekhadini leKukuruz, kubalulekile ukuqonda ukuthi yini umehluko phakathi kwe-microloan nekhadi lesikweletu:

Usebenzisa ikhadi lesikweletu uthatha imalimboleko ejikelezayo. Okusho ukuthi, ngemuva kokukhokha ngokuphelele noma ingxenye yenani lesikweletu, ungaphinda usebenzise imali ngaphakathi komkhawulo wesikweletu. Ngokunjalo, inzalo ikhokhiswa kuphela emalini umboleki ayikweleta umbolekisi okwamanje.
I-Microloan izokhishwa ngokushesha ngayo yonke imali, kuzofanele futhi ibuyiswe ngokushesha noma ngezinkokhelo. Sivele sikhulume ngokuthi ama-microloans anikezwa kuphi kwi-inthanethi ekhadini ngaphandle kokwenqaba nangaphandle kokuqinisekiswa khona manjalo kumagazini wokugcina.

Ngendlela, ngokuqondene nezindlela zokukhokha, kuneziningi zazo.

Ungagcwalisa izibopho ngaphansi kwesivumelwano semalimboleko usebenzisa enye yezindlela ezilandelayo:

usebenzisa amatheminali wokukhokha atholakala ezitolo zokuxhumana ze-Euroset;
ngokusebenzisa umphathi we-Euroset;
kunoma yiliphi ibhange lezentengiselwano.

Umbuzo 5.Ngabe imalimboleko esheshayo / ephuthumayo yabafundi nabahola impesheni inika amakhadi aku-inthanethi?

Iningi lezikhungo ezibolekisa ngemali ziyacabanga abahola impesheni futhi abafundi izakhamizi ezingavikelekile ngokwezezimali... Okuhlukile kuphela yilabo abasebenzayo. Kodwa izakhamuzi ezinjalo zimbalwa. Ngakho-ke, kubantu abaningi abahola impesheni nakubafundi, imalimboleko yasebhange isasele engafinyeleleki... Izinkampani ezinjalo azinaki imithombo engakahleleki yemali engenayo.

Okwamanje, lezi zigaba zezakhamizi zivame ukudinga imali eyengeziwe, ngoba azinayo imali eyanele yokuthenga okunzulu. Kodwa-ke, indlela yokuphuma esimweni sezezimali samanje ilula - ungazama ukuboleka imali ku inhlangano yezimali ezincane ekhadini lasebhange nge-Intanethi.

Izimalimboleko ezisheshayo neziphuthumayo zabafundi nabahola impesheni ekhadini lasebhange online ngaphandle kokwenqaba bakulungele ukuhlinzeka ngezinhlangano zezimali ezincane

Izimo zokubolekwa kuma-MFOs zihlukaniswa ngokuthembeka kubabolekisi. Abafundi futhi abahola impesheni akukho ukuphepha okuzodingeka - kungabi yisibambiso noma isibambiso. Izinhlangano zezimali ezincane azinaki ubukhona nekhwalithi yomlando wesikweletu.

Kodwa-ke, abathathe umhlalaphansi kanye nabafundi abathatha isinqumo sokufaka isicelo kwi-MFI kufanele bazi ukuthi inkokhelo yokwethembeka kwezinkampani kubo ukukhuphuka kwesilinganiso senzalo... Ifinyelela amaphesenti amaningana ngosuku.

Namuhla, emakethe yezezimali yaseRussia kunenqwaba yezinhlangano zezimali ezincane. Kubalulekile ukukhetha phakathi kwabo labo abasebenza nabafundi kanye nalabo asebethathe umhlalaphansi. Izibonelo zama-MFIs anjalo Zimer, ImaliMan, MyZaim, E Iklabishi.

Umbuzo 6. Imalimboleko esheshayo ikhishwa kanjani ngohlelo lokudlulisa imali?

Uma ufisa, umboleki unelungelo lokuthola imali ebolekiwe ngokusebenzisa Xhumana nezinhlelo zokuhumusha... Kunoma ikuphi, ukubolekisa kuqala ngenqubo yendabuko yokubhaliswa enhlanganweni yamabhizinisi amancane.

Ukuthola imali mboleko, kuzofanele uthathe lezi zinyathelo ezilandelayo:

khetha umbolekisi nohlelo lokuboleka;
bhalisa kuwebhusayithi ye-MFO ekhethiwe, dala i-akhawunti yomuntu siqu;
gcwalisa uhlelo lokusebenza ngokufaka idatha yomuntu siqu kulo. Kubalulekile ukuthi uqaphele futhi uthembeke ngangokunokwenzeka;
lapho ukhetha indlela yokuthola imali ebolekiwe, kufanele ukhombise ukudluliswa kwemali Oxhumana naye;
thumela isicelo sokucatshangelwa;
linda isinqumo sombolekisi.

Kubalulekile ukuqondaukuthi akuzona zonke izinhlangano zezimali ezincane ezivumela ukukhetha ukudluliswa koxhumana nabo njengendlela yokwamukela. Ngakho-ke, kubalulekile ukutadisha imibandela ngaphambi kokufaka isicelo bese ukhetha inkampani enikeza lelo thuba.

Kufanele futhi uvakashele iwebhusayithi yohlelo lokudlulisa ukuze uqiniseke ukuthi kunamaphuzu wokukhipha imali edolobheni ahlala kulo obolekayo ngale ndlela.

Kuzofanele ulinde impendulo evela kumbolekisi kusuka emizuzwini eminingana kuya emahoreni amaningana... Konke kuncike ekutheni i-MFI ihlola kangakanani umboleki ongabakhona.

Uma isinqumo sivuma, umbolekisi uzokhipha ukudluliswa, inani laso elizothunyelwa kumlayezo we-SMS. Kungenxa yalokhu ikhodi futhi ipasipoti kuzofanele uye endaweni yokukhipha imali bese uthola izimali.

8.Imibuzo yokuphetha + yabafundi 🔔

Ngakho-ke, kulula kakhulu ukuxazulula inkinga yezezimali yesikhashana esifushane namuhla. Kwanele ukufaka isicelo semalimboleko enhlanganweni yezimali encane. Kodwa-ke, kubalulekile ukukhumbula ukuthi i-microcredit ingasetshenziswa kuphela ezimweni lapho kungeke kwenzeke ngaphandle kwemali ebolekiwe.

Ngaphezu kwalokho, kufanele uqiniseke ukuthi isikweletu sizokhokhwa ngokushesha okukhulu. Ungakhohlwa ngamanani aphezulu wenzalo, okuthi, uma isikhathi sokukhokha sibambezelekile, sizoholela ekukhokhweni okukhulu kakhulu.

Sincoma nokuthi ubuke ividiyo emayelana nokubolekwa kwemali okusheshayo:

Nevidiyo yokuthi ungayithola kanjani imali ebolekiwe ngokushesha nangokuphuthumayo:

Imibuzo yabafundi!

Ngabe wake waba namacala lapho ufaka isicelo ezinhlanganweni zezikweletu zemalimboleko ebonakalayo? Ukwazi ngokushesha kangakanani ukuthola imali?

Sifisela abafundi be-online magazine i-Ideas for Life inhlalakahle yezezimali, nokuthi kuphakama izimo lapho kufanele uboleke imali ngokungavamile ngangokunokwenzeka.

Sizojabula uma wabelana ngemibono yakho namazwana wakho kumazwana angezansi. Kuze kube ngokuzayo ekhasini likamagazini wethu!