Imalimboleko yabathengi - kungcono kanjani nokuthi ukuliphi ibhange ukuyithatha ngenani eliphansi lenzalo + izinhlangano zezikweletu ze-TOP-5 lapho ungathola khona imali mboleko yomthengi ngaphandle kwezitifiketi zemali engenayo kanye nabaqinisekisi

Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Okuthunyelwe kwanamuhla kumayelana nesihloko esidumile - ukubolekisa kwabathengi... Sizokutshela ukuthi imalimboleko yabathengi ikuphi, ungayithola kuphi futhi kanjani ngemibandela evumayo, lapho kungokoqobo khona ukuthola imali mboleko yomthengi ngaphandle kwezitifiketi zemali engenayo kanye nabaqinisekisi ngenzalo encane.

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

Kusukela ku-athikili ehlongozwayo, uzofunda:

• Okubizwa ngokuthi yimalimboleko yabathengi nokuthi yini ubuhle kanye nobubi bayo;
• Yiziphi izinhlobo nezinhlobo zemalimboleko yabathengi;
• Yiziphi izigaba okufanele zidluliswe ukuthola imali yezidingo zabathengi;
• Kukuliphi ibhange okungcono ukuthatha imali mboleko yomthengi enenzalo ephansi;
• Lapho imali mboleko ikhishwa ngaphandle kwezitifiketi noma iziqinisekiso;
• Uzenza kanjani izibalo ezidingekayo ngendlela efanele.

Uzophinda uthole imininingwane ngokuxhaswa kabusha kwemali (ukukhokhela kabusha) imali mboleko yabathengi nezimpendulo zemibuzo ebuzwa njalo.

I-athikili izoba nentshisekelo kulabo abafuna ukuthatha imali mboleko ngenzuzo enkulu kanye nenduduzo. Ngaphezu kwalokho, ukushicilelwa okwethulwayo kuzoba wusizo ekufundeleni wonke umuntu onentshisekelo kukho ezezimali, kufaka phakathi komuntu siqu.

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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.

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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.

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Iyini imalimboleko yabathengi nokuthi ungayithola kanjani, lapho ungathatha khona imali mboleko yomthengi ngokheshi ngaphandle kwezitifiketi zengeniso nabaqinisekisi - ngalokhu hhayi ukufunda kuphela

1. Yini imali mboleko yomthengi futhi yiziphi izici zayo? 💰

Namuhla umuntu uzungezwe yiminikelo yokubolekiswa. Izingcingo zokuthola imali mboleko zingena zivela yonke indawo: ezivela ku-TV nasemaphephandabeni, kusuka kumaphosta wokukhangisa, ekuthumeleni nge-Intanethi. Ngasikhathi sinye, akuwona wonke umuntu oqondayo ukuthi bayini imali mboleko yabathengi.

Okwamanje, kunjalo ikhasimende ikhredithi namuhla kungenye yezinsizakalo ezithembisa kakhulu emakethe yasebhange. Kwiklayenti, ukusebenziseka kwemali mboleko enjalo yikhono lokusebenzisa imali etholakele njengoba ifuna.

Ngokuqondene nencazelo, ikhredithi yomthengi yimalimboleko, enikezwa isikhungo sezikweletu (ibhange) kumuntu ngamunye ukuhlangabezana nezidingo zakhe. Imikhombandlela yokusebenzisa imali etholakele ingahluka, isib, ukukhokhelwa kwanoma yiziphi izimpahla noma amasevisi.

Okuyinhloko isici isikweletu sabathengi ngu asikho isidingo sokuqinisekisa inkomba yokusebenzisa imali ebolekwe... Noma ezimeni lapho ibhange licela ukukhombisa inhloso yokuboleka isicelo, akekho ozohlola lolu lwazi.

Ngaphezu kwalokho, ngemalimboleko yabathengi, inqubo yokubhalisa Kalula nakakhulukunezinye izinhlobo zokuboleka. Uzodinga ukuhlinzeka uhlu oluncane kakhulu lwemibhalo, futhi isikhathi esincane sizosetshenziselwa ukuthola imali.

Okuyinhloko Inhloso ukubolekisa okunjalo ukukhula kwamathuba abathengi... Ngakho-ke, kungenzeka ukuthola imali mboleko yezinjongo zabathengi hhayi kuphela ku- ibhangekepha futhi ku izitolo... Ngaphezu kwalokho, namuhla insizakalo enjalo ihlinzekwa ngisho yi ukuthenga ku-inthanethi ngemodi eku-inthanethi.

2. Izinzuzo nobubi bemalimboleko yabathengi кредитов

Njenganoma iyiphi enye insizakalo yezezimali, imalimboleko yabathengi inayo izinzuzo nezinkinga eziningi... Ngaphambi kokuthatha isinqumo ngokubolekwa kwale fomethi, noma yisiphi isakhamuzi kufanele sifunde ngokucophelela.

2.1. Izinzuzo (+) zemalimboleko yabathengi

Phakathi kwezinzuzo zemalimboleko yabathengi kukhona okulandelayo:

1. Amandla okusebenzisa izimali ngokubona kwalowo obolekayo inzuzo enkulu.
2. Akunasidingo sokuhlinzeka ngesibambiso nabaqinisekisi. Ngesikhathi somzabalazo weklayenti ngalinye, amabhange ahlala enza lula inqubo yokuthola imali mboleko yabathengi. Iphakethe lamadokhumenti lokuthola imalimboleko enjalo lincane, imvamisa kudingeka ipasipoti kuphela.
3. Isikhathi esincane esichithwe. Ngenxa yokunikezwa kolwazi oluncane, amabhange akhipha imali mboleko yabathengi ngokushesha okukhulu. Yonke inqubo ivame ukuthatha amahora amaningana. Kwesinye isikhathi udinga ukulinda izinsuku ezimbili noma ezintathu.

Lapho ukhipha imalimboleko yabathengi, kwenziwa isheke elenziwe lula lababolekayo. Amabhange athuthukisa izikimu ezikhethekile zokuhlaziya okuphuthumayo kwe-solvency, ngakho-ke kaningi kuneziphakamiso okufanele zikhishwe ukuboleka imali... Kulokhu, ungathola imali kungakapheli imizuzu embalwa uthumele isicelo.

Ngaphandle kwenani elikhulu lezinzuzo, ukubolekwa kwabathengi kunezinkinga eziningi.

2.2. Okubi (() kwesikweletu somthengi

Phakathi kwalezi zinkinga kukhona:

1. Amaphesenti aphakeme kakhulu. Ukukhishwa okusheshayo, kanye nephakeji elincane lemibhalo, kuholela eqinisweni lokuthi ubungozi bokungabuyiselwa kwemali bunyuka kakhulu. Ukuze azivikele, amabhange ajwayele ukufaka ngokwezinhlelo ezifanayo phezulu isilinganiso senzalo.
2. Ayikho indlela yokuthola isamba esikhulu semali. Imvamisa, inani eliphakeme lemali mboleko yabathengi linqunyelwe kuma-ruble ayizinkulungwane ezingamakhulu amabili. Ezimweni ezingavamile kakhulu, ingafinyelela 1,5 isigidi.
3. Amakhomishini kungenzeka. Obolekayo kufanele akhumbule ukuthi lapho efaka isicelo semalimboleko, kubalulekile ukuthi ayifundisise inkontileka. Ukuba khona kwamakhomishini ahlukahlukene kuholela ekukhuleni okukhulu kwezindleko zemalimboleko. Ngaphezu kwalokho, amabhange ngokuvamile adinga ukuthi obolekayo athathe uhlobo oluthile lomshuwalense, isib impilo, impilo noma akukho ukubuya. Ngokwemvelo, noma ngabe imali isheshe ikhokhwe, imali yomshwalense ayibuyiselwa.

Ngakho-ke, imali mboleko yabathengi inakho kokubili izimfanelo ezinhlefuthi yokuntula... Ngaphambi kokusayina isivumelwano semalimboleko, kufanele uzifunde ngokucophelela, ulinganise bonke ubuhle nobubi.

Uma ukuphatha ukucubungula imali mboleko ngomthwalo omkhulu nobucayi, ungagwema izinkinga eziningi ngokuzayo.

3. Izinhlobo nezinhlobo zemalimboleko yabathengi 💸📑

Namuhla kunokunikezwa emakethe kwezimalimboleko ezahlukahlukene zabathengi. Zingahlukaniswa kusetshenziswa izici ezahlukahlukene.

Kunalezi zinhlobo ezilandelayo zokubolekwa kwabathengi:

1. imalimboleko yomuntu siqu - inketho evamile yokuboleka, lapho isicelo senziwa, futhi ngemuva kokucatshangelwa kwayo, imali ikhishwa;
2. amakhadi esikweletu - ukubhaliswa kwekhadi lasebhange elihlukile, lapho ungasebenzisa khona imali ngokuyiboleka;
3. ukweqisa ngokweqile - ikhono lokusebenzisa izimali ngenani elidlula lelo elitholakala ku-akhawunti;
4. uhlelo lwesitolimende - Ukuthengwa kwezitolimende kuvame ukusetshenziselwa izimpahla zenani eliphezulu.

Ngokuqondene nokuqhathanisa izinhlobo zemalimboleko yabathengi, indlela elula yokwenza lokhu ukusebenzisa itafula:

Uhlobo lwemalimboleko yabathengi	Indawo yokubhalisa	Ezinye izici ezihlukile
Ngezidingo eziphuthumayo	Igatsha lasebhange	1. Imvamisa kudingeka umshwalense 2. Amanani wenzalo ephansi
Isikweletu sezimpahla	Izitolo kanye nezinye izindawo zokuthengisa	1. Ukubuyekezwa okusheshayo kungakapheli imizuzu 2. Amanani enzalo aphezulu 3. Imvamisa isicelo sibuye sibe nenkontileka
Ikhadi lesikweletu	Ehhovisi lasebhange noma online	1. Ukuhlaziywa komboleki okwenziwe lula 2. Ukutholakala kwesikhathi esingenayo inzalo 3. Kungenzeka ukuvuselelwa okuzenzakalelayo kwenkontileka
Veza imalimboleko	Egatsheni lasebhange	1. Inani elincanyana Isikhathi esifushane 3. Ukwenza isicelo kube lula 4. Izinga eliphezulu

Ngakho-ke, obolekayo wanamuhla unenombolo enkulu yezinketho zokubolekwa kwabathengi.

Ukukhetha imali mboleko ephelele, kufanele uhlole izimo zecala ngalinye.

Inqubo yemalimboleko yabathengi

4. Ungayithatha kanjani imalimboleko yabathengi - izigaba eziyisi-7 zokuthola imali mboleko yomthengi

Labo abathatha isinqumo sokuthola imali mboleko yomthengi akufanele bakhohlwe ukuthi ngokusayina isivumelwano, obolekayo uzibophezela ukukhokha imalimboleko. Kepha ukusayina isivumelwano - lesi ngesinye sezigaba zokugcina zokuthola imali, sandulelwa yizinyathelo ezimbalwa ezilula.

Njengoba kwabaningi, inqubo yokuthola imalimboleko ibukeka iyinkimbinkimbi futhi ingaqondakali, sinqume ukukutshela ngokuningiliziwe ukuthi izigaba zini eziqukethe.

Isigaba 1. Ukukhetha isikhungo sezikweletu

Lapho ukhetha ibhange, kufanele unake ukuthi bekude kangakanani emakethe. Lezo zikhungo ezikwazile ukumelana nokuncintisana okukhulu eminyakeni edlule zibanga ukwethenjwa... Cishe banokuzinza okwanele.

Imvamisa, izikhungo zokubolekisa ezingathandwa kakhulu zinikela ngokuningi inzalo ephansi... Lapho uthinta izikhungo ezinjalo, kufanele uqaphele ngokweqile.

Imvamisa, ukwehla kwezinga lenzalo kuncishiswa inani elikhulu lezinkokhelo ezengeziwe namakhomishini. Ngaphezu kwalokho, kunengozi yokuxhumana abakhwabanisi.

Isinyathelo 2. Ukukhetha izimo ezifanele

Ngaphakathi kohlaka lwesikhungo esisodwa sezikweletu, izinhlelo eziningana zokuthola imalimboleko zinganikezwa. Uma uziqhathanisa, umuntu akanakulenga esilinganisweni senzalo, ngoba ubukhulu bayo obuncane akusona isiqinisekiso semalimboleko eshibhile.

Ukuqhathanisa, kungaba okulungile ukubheka izindleko ezigcwele zemalimboleko, okubandakanya, ngaphezu kwenzalo yokusetshenziswa kwezimali:

• ikhomishini yokufaka izimali;
• amaphrimiyamu omshwalense;
• ikhomishini ekhokha kusenesikhathi;
• ezinye izinkokhelo ezinikezwa uhlelo lwemalimboleko.

Isigaba 3. Ukuhanjiswa kwesicelo

Ukwehlisa izindleko zesikhathi kulesi sigaba, kungakuhle usebenzise ithuba lokubhalisa isicelo sokuqala... Ukuvunyelwa kuyo akuqinisekisi ukutholwa kwezimali, ngoba isinqumo sokugcina senziwa kuphela ngemuva kokuhlinzekwa iphakethe eligcwele lemibhalo... Ngesikhathi esifanayo, ukwenqaba kuzosiza ukonga isikhathi namandla.

Amabhange amaningi anikela ngohlelo lokuqala ngezindlela ezintathu:

1. Egatsheni lasebhange umsebenzi uzokutshela ngemigomo yokubolekwa kwemali, akutshele ukuthi yimaphi amadokhumenti owadingayo. Ngaphezu kwalokho, uma ufisa, ungadlula ngokushesha kuhlolo lokuqala. Amanye amabhange ngokuyisisekelo awabolekisi imikhakha ethile yezakhamizi; futhi ungacacisa ngokushesha ukuthi kungenzeka yini ukukhipha inani elidingekayo. Ukuphazamiseka kwale ndlela yisidingo sokuchitha isikhathi uvakashela ibhange, ulinde kolayini.
2. Esitolo. Abasebenzi baseBhange bavame ukuba sezitolo. Bangaphrinta uhlu lwemibuzo nohlu lwamadokhumenti, beluleke ngemigomo yemalimboleko. Kodwa-ke, ababonisi bezikweletu ezitolo bavame ukuqondiswa kabi kuyo yonke imikhiqizo yasebhange, ngoba bagxila kwimalimboleko yempahla.
3. Kumodi eku-inthanethi. Le nketho ilungile kakhulu. Akunasidingo sokushiya ikhaya lakho ukuze ufake isicelo. Lokhu kungenziwa nganoma yisiphi isikhathi ngokuvakashela iwebhusayithi yesikhungo sesikweletu osithandayo.

Kunoma ikuphi, esikhathini esibekiwe, obolekiwe uzonikezwa isinqumo sokuqala ngesicelo sakhe. Uma impendulo inguyebo, ungaqhubeka.

Isigaba 4. Ukulungiswa kwephakeji lemibhalo

Iphakethe lemibhalo edingekayo ikakhulu linqunywa inani lemalimboleko. Uma incane, kungenzeka ukuthi ibhange lizodinga kuphela ipasipoti futhi idokhumenti yesibili.

Ungadinga futhi isitatimende semali engenayo futhi ikhophi yencwadi yomsebenziokwenziwa ngomqashi.

Uma umuntu obolekayo engase afune inani elikhulu kakhulu lemali, iphakethe lemibhalo lingaba njalo kuyakhanga.

Isigaba 5. Ukubhaliswa kwesicelo sokugcina kanye nokuxhumana nomsebenzi wasebhange

Lapho lonke iphakethe lamadokhumenti liqoqiwe, ungaya ehhovisi eliseduze lesikhungo sezikweletu. Lapha kuyadingeka ukukhipha isicelo sokugcina futhi ngikhulume nomphathi wemalimboleko.

Kukulesi sikhathi lapho ingxoxo yokugcina yazo zonke izimo zezikweletu iba khona. Obolekayo kufanele akhumbule ukuthi uma kukhona ukungaqondi kahle, kufanele kuxazululwe ngaleso sikhathi. Ngemuva kokuthi isivumelwano sisayiniwe futhi nemalimboleko ikhishiwe, akukho okungalungiswa.

Isigaba 6. Kusayinwa inkontileka

Uma obolekayo esayina inkontileka, kubhekwa ukuthi uyavumelana nayo yonke imibandela ebekiwe kuyo. Yingakho kubalulekile funda ngokucophelela umbhalo wesivumelwano ngaphambi kokusisayina.

Ungakhohlwa ukuthi uma imigomo yesivumelwano semalimboleko ingahlangatshezwa, isithunzi somboleki singalimala.

Isigaba 7. Ukuthola izimali

Indlela yokuthola izimali inqunywa yimigomo yesivumelwano semalimboleko. Imvamisa, kunikezwa imali ukheshi ngedeski lemali lase bhange noma ngokudlulisela ekhadini

Muva nje, amanye amabhange aseqalile ukunikeza insizakalo yokuvakasha kwekhaya noma kwehhovisi lomsebenzi obolekile.

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Ngakho-ke, akukho lutho oluyinkimbinkimbi enqubweni yokuthola imali mboleko yomthengi. Kubalulekile ukudlula ezigabeni eziyisikhombisa ngokulandelana, ugcina imithetho edingekayo.

5. Yiliphi ibhange elingcono ukuthatha imalimboleko yabathengi - isilinganiso samabhange we-TOP-5 eMoscow ngenzalo ephansi

Lapho ufaka isicelo semalimboleko yabathengi, kubalulekile ukuthatha ukhetho lwebhange ngokungathi sína ngangokunokwenzeka. Ungakhohlwaukuthi kuzofanele sibambisane nale nhlangano isikhathi eside impela.

Indlela engcono kakhulu - amabhange abolekisa abantu isikhathi esingaphezu konyaka. Lokhu kuvumela umuntu ukwahlulela hhayi kuphela ukuthandwa kwabo, kodwa futhi nokwethembeka kwabo.

Kunenombolo enkulu yokunikezwa emakethe evela ezikhungweni ezehlukene zezikweletu. Cishe akunakwenzeka ukuwaqhathanisa wonke. Kungakho sethule isilinganiso samabhange amahle kakhulu asebenza eMoscow nakwamanye amadolobha aseRussia, lapho izimo zikhona abaningi kunenzuzo.

# 1. I-Sberbank

I-Sberbank yaseRussia - uhlala njalo eyisikhungo esaziwa kakhulu sesikweletu ezweni lethu. Njengengxenye yemalimboleko engahlosiwe, ungafika lapha ngaphambi isigidi esisodwa nengxenye ama-ruble... Ngasikhathi sinye, inzalo yemalimboleko enjalo ingukuthi 14,9 ngonyaka, okungaphansi kunezinye izikhungo eziningi zezikweletu.

Ngaphezu kwalokho, kulabo abathola amaholo besebenzisa amakhadi eSberbank (futhi ziningi izakhamizi ezinjalo), lapha inani lenzalo lehlisiwe.

Isikhathi esiphezulu okuzokhishwa ngaso imalimboleko yileso ezinhlanu iminyaka. Isicelo sibhekwa kuze kube yizinsuku ezimbili zebhizinisi.

# 2. I-VTB

Ungathola imali mboleko yomthengi ephezulu ku-VTB vula 3 ama-ruble ayisigidi kuze kufike ku- 60 izinyanga. Izinga lenzalo lizoba 16,9%.

Kunezimo ezahlukahlukene ezenza ukuthi imali mboleko ibe nenzuzo ethe xaxa.Ngakho-ke, uma ufuna ukunciphisa inani lenzalo ebhange, ungakwazi impilo yomshwalense kanye nempilo.

Futhi, izakhamizi ezithola umholo kumakhadi e-VTB Bank zingathembela ezimweni ezihamba phambili zokubolekwa kwemali.

Inombolo 3. ISvyaz-Bank

Ochwepheshe be-Svyaz-Bank benze inqwaba yezinhlelo ezahlukahlukene zokubolekisa abantu.

Imalimboleko engamakiwe ingahlelwa lapha ngaphansi 15,5% ngonyaka kuze kufike ku- 60 izinyanga. Kulokhu, ungathola imali enanini ngaphambi 750 izinkulungwane ruble.

Cha. 4. ICitibank

Ukufaka isicelo semalimboleko yabathengi, lapha kwanele ukuhlinzeka ngemibhalo emibili - ipasipoti futhi isitatimende semali engenayo... Ngasikhathi sinye, inani lenzalo eCitibank lisezingeni eliphansi kakhulu - kuphela 15%.

Kodwa-ke, ababoleki banikezwa okwanele izimfuno ezinzima... Ngaphezu kweqiniso lokuthi udinga ukuba yisakhamuzi seRussian Federation, imali engenayo yanyanga zonke yokuthola imalimboleko kufanele ibe njalo hhayi ngaphansi Ama-ruble angama-30,000. Uma iklayenti lihlangabezana nalezi zidingo ezingenhla, lingathola ngaphambi ezimbili ama-ruble ayisigidi.

Cha. 5. Isikweletu se-Renaissance

Lapha banikela ngokuthola imali mboleko enesilinganiso 15,9% ngonyaka. Kulokhu, isikhathi esiphezulu sithi 5 iminyaka.

Ungafaka isicelo semali kusuka 30 ngaphambi 500 izinkulungwane ruble... Ngeke ulinde isikhathi eside ukuthola impendulo - isinqumo sizokwenziwa ngosuku olufanayo.

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Ngakho-ke, thola imali mboleko ngenani elincane lenzalo kuyinto yangempela... Kwanele ukwazi ukuthi yisiphi isikhungo sesikweletu okufanele usisebenzise, ​​kanye nokuthobela izidingo zaso kubaboleki.

Kuwebhusayithi yethu kunendatshana ehlukile emayelana nemalimboleko yempahla, lapho sabhala khona ukuthi kunenzuzo enkulu kangakanani futhi kuphi ukuthola imali ebanjiswayo.

6. Yiliphi ibhange elinezinga lenzalo yemalimboleko yabathengi ephansi kunazo zonke ngo-2020? 📋

Iningi lezakhamizi, lapho likhetha ibhange ukuze liboleke imali yabathengi, okokuqala kunaka konke okuhlongozwayo isilinganiso senzalo... Ochwepheshe bakholelwa ukuthi le ndlela ilungile, ngoba izindleko zokuhlinzeka ngemalimboleko zizoya ngale nkomba.

Lapho ufuna iphesenti eliphansi, kubalulekile ukuthi ubheke ukuthi ubukhulu bayo bunqunywa kakhulu yisimo seklayenti maqondana nebhange, kanye nenani lamadokhumenti ahlinzekiwe.

Ngokulandelana, lapho i-solvency ifakazelwa ngokugcwele, lehla izinga ongathembela kulo... Kungakho kungadingeki ukubala ngesilinganiso esincane lapho ufaka isicelo semalimboleko ngokuya ngedokhumenti eyodwa noma ezimbili.

Okokuqala, kufanelekile ukubheka imibandela esebhange ekhonza i- ikhadi lomholo... Kulezo zigaba zamakhasimende lapho izinhlangano ezikweleta ngokuvamile zehlisa izinga. Ngakho-ke, I-Sberbank lapho ethola umholo ekhadini lakhe, uyavuma ukukhipha imalimboleko enanini elifinyelela ku- izinkulungwane ezingamakhulu amathathu ruble ngaphansi 13,9% ngonyaka.

Ungathembela nokwehla kwezinga lenzalo kulawo mabhange lapho imalimboleko isivele ikhokhwe ngempumelelo ngaphambilini. Izinhlangano zezikweletu zibethemba kakhulu labo babolekisi.

Ngokuqondene namabhange athile anesilinganiso senzalo esincane*Sikweluleka ukuthi unake lokhu okulandelayo:

• uma inhloso yokubolekwa inkokhelo yemfundo, kungcono ukuxhumana I-Sberbank... Kunohlelo olukhethekile olubhekiswe lapha, lapho isilinganiso sivela khona 7,5%;
• abahola impesheni ungaya ngokuphepha ku- Sovcombanklapho ongasukuma khona izinkulungwane eziyikhulu ruble ngaphansi 12% ngonyaka (sibhale phambilini mayelana nokuthi ungasiboleka kanjani imali yempesheni ngemibandela evumayo);
• I-Rosbank inikeza izimo ezihamba phambili - 13,5% labo abasebenza emkhakheni wesabelomali bazodinga umqinisekisi ukuthola imali mboleko;
• abanikazi bezindawo bangaxhumana nebhange UNdunankulu Isikweletulapho, phambi kwesibambiso, bakulungele ukukhipha imali mboleko 14%;
• I-Orient Express Bank ukulungele ukukhipha isikweletu kuze kube izinkulungwane ezingamashumi amahlanu by 15%;
• uma ufisa ukuthola inani elikhulu (kufika ku- ama-ruble ayisigidi) isikhathi eside (kuze kufike ku- Iminyaka engu-15) kufanele axhumane Isikweletu Bank of Moscowlapho isilinganiso sonyaka siqala khona 15%.

* Bheka ukubaluleka kwamazinga wenzalo kumalimboleko kumawebhusayithi asemthethweni ezinhlangano ezikweleta.

Kubalwa kuphi futhi kanjani imalimboleko yabathengi - izinketho zokubala ezingaba khona: i-calculator eku-inthanethi kuwebhusayithi yebhange noma isikhalazo esiqonde ngqo ehhovisi lesikhungo sezikweletu

7. Ukubala imali mboleko yomthengi - izindlela ezi-2 ezilula zokubala imalimboleko yabathengi 📌

Noma ukhetha uhlelo lokubolekisa, kuvame ukuba nesifiso abale imingcele yekhredithi yomthengi - Inani lokukhokha, ukukhokha ngokweqile, njll. Lokhu kungenziwa ngezindlela ezimbili eziyinhloko: ngokuxhumana negatsha lasebhange eliseduze noma ngokuvakashela iwebhusayithi yalo kwi-Intanethi.

Indlela 1. Ukuvakashela ihhovisi lesikhungo sezikweletu, obolekayo wesikhathi esizayo angathola yonke imingcele yokubolekisa engxoxweni yomuntu siqu nesikhulu semalimboleko.

Kanye (+) Le nketho ukuthi lapho kuphakama imibuzo, ungathola izimpendulo kuyo ngokushesha. Ngaphezu kwalokho, uma izimo zivumelana neklayenti, futhi unephakeji edingekayo yemibhalo nawe, kukhona ithuba faka isicelo ngokushesha.

Kodwa-ke, ukuvakashela ihhovisi nakho kufaka phakathi okubi (-)... Kuzofanele usebenzise isikhathi sakho uvakashele ibhange futhi ulinde kulayini. Lesi sikhathi sizomoshwa ngeze uma imibandela yekhredithi yekhasimende ingagculiseki.

Indlela 2. Ukubalwa kwemali mboleko kusetshenziswa isibali sokubala semalimboleko online ilungile kakhulu. Kulokhu, kwanele ukuba nekhompyutha noma enye igajethi enokufinyelela kwe-Intanethi (ishiya ikhaya lakho noma ihhovisi ngeke kudinge).

I-calculator yemalimboleko yabathengi ingatholakala ngenjini yokusesha noma usebenzise leyo etholakala kuwebhusayithi esemthethweni yebhange elikhethiwe.

Empeleni, akunandaba ukuthi iyiphi i-calculator ongayikhetha. Ingqikithi yabo iyafana, kwanele ukufaka imininingwane elandelayo emikhakheni efanelekile:

1. inani lemalimboleko oyifunayo;
2. isilinganiso senzalo sohlelo olukhethiwe;
3. isikhathi semalimboleko (esivame ukukhonjiswa ezinyangeni);
4. inketho yokukhokha - impesheni noma umahluko.

Ngasikhathi sinye, kubalulekile ukuqonda ukuthi yini umehluko phakathi kwezinketho zokukhokha:

• Impesheni - lokhu kuyinkokhelo yanyanga zonke ehlala ifana sonke isikhathi.
• Kwehlukile - inkokhelo eyehla ngokuhamba kwesikhathi, okungukuthi, ekuqaleni, kuzokhokhwa imali enkulu ukukhokha imalimboleko.

Lapho nje zonke izinkambu zigcwaliswa, chofoza inkinobho "Bala"... Uhlelo luzonikeza idatha kuyo yonke imingcele yemalimboleko.

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Kuma-athikili ahlukene, sibuye sabhala ukuthi singayibala kanjani imali ebolekiwe ku-inthanethi bese sibala imalimboleko yemoto usebenzisa umshini wokubala wemalimboleko.

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Ngakho-ke, inketho esebenza kahle kakhulu ekubalweni yile wokubala wemalimboleko... Ikuvumela ukuthi uqhathanise izikimu eziningi zokubolekisa ngaphandle kokushiya ikhaya lakho. Ngaphezu kwalokho, ungaqonda ukuthi yiliphi inani lemalimboleko elizolunga ngokuya ngosayizi wokukhokha.

Okudingayo ukwazi ngokuxhasa kabusha imali noma, njengoba kubizwa njalo, ukuxhasa kabusha imali mboleko yabathengi

8. Ukuphinda unike imali (ukuxhasa kabusha) imali mboleko yabathengi - iyini futhi kufanelekile ukuyisebenzisa 💵

Kuvamile ukuthi obolekiwe asebenzise amandla akhe ezezimali ngokweqile, isimo sempilo yakhe sishintshile, nezimo zezikweletu emakethe sezilunge kakhulu. Kuwo wonke lawa macala, ungasebenzisa isevisi yokubolekisa ngemaliababiza ngezimali ukuxhaswa kabusha.

Kuyini ukubolekwa kwemali mboleko (ukukhokhelwa kabusha)?

Ngaphansi ukuxhaswa kabusha qonda ukwenziwa kwesivumelwano esisha semalimboleko ukuze uvale imalimboleko oyitholile phambilini. Kungaba lusizo lapho uhlelo lunikeza amagama athakazelisayo.

Imvamisa, ukuthola isinqumo esihle kuzinhlelo zokuxhasa kabusha imali, kuyadingeka ukuthi kungabi nephakeji elanele lemibhalo kuphela, kepha futhi umlando omuhle wesikweletu... Iziqinisekiso kanye nezibambiso kunganikeza inzuzo eyengeziwe.

Uma kubhekwa ukuthi kungenzeka yini ukuthi uphinde uxhase imali mboleko yabathengi, kufanele kuqondwe ukuthi isivumelwano esisha ngeke simkhulule umuntu oluthayo. Isinqumo sokubamba iqhaza ezinhlelweni ezinjalo kufanele senziwe ngokucophelela, singavunywa kuphela kwezinye izimo:

1. Ukwehlisa izinga lemalimboleko — lesi sizathu sokubolekwa kwemali ngenye yezinto ezivame kakhulu. Endabeni yokubolekwa kwesikhathi eside, imvamisa kwenzeka ukuthi amanani entengo kamuva ancishiswe. Kulezi zimo, umuntu akafuni ukulahlekelwa ngamathuba amahle futhi akhokhe ngaphezu kwalokho okusemandleni. Ngemuva kokuqamba isivumelwano sokuxhasa ngemali kabusha, obolekayo uvala isivumelwano esikhona manje bese eqala ukukhokha esisha ngendlela evumayo.
2. Ayikwazi ukukhokha inkokhelo elandelayo yenyanga. Ezimweni lapho isimo sezimali somboleki sishintshile, kuba nzima kuye ukukhokha imalimboleko ngesikhathi futhi ngokugcwele. Kulokhu, ungazama ukwenza isivumelwano sokuxhaswa kabusha kwemali, ngokuya ngemibandela lapho inkokhelo izoba ncane khona.
3. Isidingo sokushintsha inhlangano yezikweletu. Izizathu zalokhu zingahluka: 1) izimo ezingcono zemalimboleko kwelinye ibhange; I-2) ayinelisekanga ngekhwalithi yomsebenzi wesikhungo sesikweletu; 3) ayikho indlela yokukhokha imali ebolekiwe ebhange elidala ngaphansi kwezimo zamanje.

Akunandaba noma yiziphi izizathu eziholele esidingweni sokuxhaswa kabusha kwemali, kubalulekile ukuthi ubhekisise ngokucophelela imigomo yesivumelwano esisha. Imvamisa, lapho unika imali kabusha, ayikho indlela yokubuyisa imali mboleko entsha ngaphambi kwesikhathi. Uma isinqumo esinjalo senziwa, umboleki kuzofanele akhokhe inhlawulo (inzalo).

9. Izimpendulo Zemibuzo Ebuzwa Njalo (FAQ) 📢

Ngaphandle kokubonakala kulula, isihloko sokubolekwa kwabathengi siphakamisa imibuzo eminingi. Ukwenza lula ukuqoqwa kwemininingwane yabafundi bethu, sizamile ukuphendula imibuzo ebuzwa kakhulu kubo.

Umbuzo 1. Ngingayitholaphi imali mboleko yomthengi ngokheshi ngaphandle kwezitifiketi zemali engenayo kanye nabaqinisekisi?

Ngesikhathi senkinga, ezinye izinhlangano ezikweletisa zikumisa ukukhishwa kwemali mboleko ngaphansi kwezikimu ezithembeke kakhulu, zizama ukutadisha ngokuphelele ukuxazulula kwalabo abangaba ababoleki. Yize kunjalo, amanye amabhange asendaweni enokuncintisana okukhulu azama ukuheha izakhamizi ngokunikela ngokukhokha imali ephuthumayo yemali. Izimo zabo azichazi ukuhlinzekwa kwephakeji eligcwele lemibhalo, kanye nokuba khona kwabaqinisekisi.

Okubalulekile! Ababoleki kufanele baqaphele okunikezwayo okunjalo. Ungakhohlwa ukuthi ukungabikho kwezitifiketi nabaqinisekisi, izimo zezikweletu azivumi kangako.

Ukuntuleka kobufakazi obubhalwe phansi be-solvency kuholela eqinisweni lokuthi ingozi yokungabuyiswa kwemali iyenyuka. Ezimweni ezinjalo, kungokwemvelo ukuthi amabhange afune ukuyidlala iphephile. Kungakho, uma zingekho izitifiketi nabaqinisekisi, kukhishwa izizumbulu zemali, futhi namazinga wenzalo kuleli cala aphezulu kakhulu.

Sibhale ngokuningiliziwe mayelana nokuthi ungasithola kanjani futhi kanjani isikweletu esinomlando omubi wesikweletu ngaphandle kwezitifiketi zemali engenayo nabaqinisekisi kumagazini odlule.

Lapho ukhetha ibhange, abantu bavame ukuzama ukuqoqa imininingwane ephezulu kokunikezwayo emakethe bese ukuqhathanisa. Kungaba nzima ukukwenza lokhu, ngoba namuhla inani elikhulu lezinhlangano zezikweletu linikela ngokukhipha imalimboleko yabathengi ngaphandle kwezitifiketi nabaqinisekisi.

Ezimweni ezinjalo, kuvame ukuhlakanipha ukushiya ukusesha okuzimele, usebenzisa izilinganiso ezenziwe ngomumo ezivela kochwepheshe.

Ngezansi sizokutshela ngezinketho ezinhle kakhulu ngombono wethu.

1) Ibhange

Ibhange elidume kakhulu eRussia lenza izimfuno ezinkulu kubabolekisi balo. Kepha nalapha kunethuba lokuthola imalimboleko ngaphansi kohlelo olwenziwe lula.

Ungakwenza ezitoloukuthengisa izinto zasendlini nezimoto. AbakwaSberbank bakhiphe imali mboleko okubhekiswe kukho - ukuthengwa komkhiqizo othile, kuncike ekwenzeni 10% wenani layo.

Ukucatshangelwa kwesicelo kuyathatha kusuka kokukodwa amahora komunye izinsuku... Imalimboleko ingakhishwa yisakhamuzi saseRussia esesiphendukile 23 konyaka. Uzodinga ukwethula ipasipoti enemvume yokuhlala unomphela.

Isikhathi semalimboleko kuleli cala sithi kusuka 3 izinyanga ngaphambi Uneminyaka engu-2 ubudala... Izinga lenzalo ligcinwa ku- 16% ngonyaka.

2) I-Orient Express

Leli bhange linezinombolo eziningi zezinhlelo zokubolekwa kwabathengi. Kukhona njengo izimalimboleko ezingafanelefuthi ukukhokhela izimpahla nezinsizakalo ezithileisb. ukuhamba, ukulungisa, imfundo.

Imalimboleko ingakhishelwa labo asebefinyelele eminyakeni yobudala ye- 25 iminyaka. Lokhu kuzodinga ipasipoti kuphela... Inani eliphakeme lemalimboleko - 200 000 ama-ruble. Izinga lisuka ku- 22 ngaphambi 47 % ngonyaka. Isikhathi semalimboleko akumele seqe ezinhlanu iminyaka.

3) Ibhange "Renaissance Credit"

Kuleli bhange, imali mboleko yabathengi ikhishwa enanini ngaphambi isigamu sesigidi ama-ruble, term - from 2 ngaphambi 5 iminyaka. Ungafaka isicelo lapho ufinyelela eminyakeni yobudala 24 konyaka.

Izinga lisethwe phakathi 15,9 ngaphambi 74,9 iphesenti. Ukufaka isicelo semalimboleko, kwanele ukunikeza idokhumenti eyodwa - ipasipoti... Ngokwemvelo, kuleli cala, isilinganiso sizoba siphezulu.

Kuliqiniso, ibhange livumela obolekayo ukuthi anciphise izindleko zokukhokhela imalimboleko ngokukhokha kusenesikhathi, okwenziwa lapha ngaphandle kwemali eyengeziwe.

4) I-Alfa Bank

I-Alfa-Bank inethuba lokukhipha imali mboleko ngezinga elithile 29,3%.

Uma kungekho izitifiketi nabaqinisekisi, obolekayo unelungelo lokufaka isicelo semalimboleko kuleyo mali ngaphambi 100 000 ama-ruble... Ithemu enkulu ngu eziyisishiyagalombili izinyanga.

Uma ufuna ukunciphisa izindleko zokuhlinzeka ngemali mboleko, ungayibuyisa ngaphambi kwesikhathi, kwa-Alfa-Bank le nsizakalo impela mahhala.

5) Ibhange laseMoscow

Lapha ukunikela ngokusukuma 100 izinkulungwane zama-ruble kuwo wonke umuntu ofinyelele 21-ubudala. Amaphesenti ayahlukahluka kusuka ku- 23,5 ngaphambi 49,9 minyaka yonke. Njengesipho kumboleki, ibhange linikela ikhadi lesikweletu.

Okuwukuphela kokubi kokubolekwa kwemali lapha isidingo sokuqoqa iphasela elibonakalayo lemibhalo.

Ngaphezu kwepasipoti, ungahle udinge:

• izincwadi zokushayela nezincwadi zemoto;
• amarisidi okukhokha izinsizakalo ezahlukahlukene zasendlini;
• Isitifiketi se-SNILS;
• isitatimende sasebhange sezinyanga eziyisithupha ezedlule.

Ngakho-ke, inani lamabhange ahlinzeka ngemali mboleko ngaphandle kwezitifiketi nabaqinisekisi alincane. Uma unquma ukuxhumana nenye yezinkampani ezimelwe ohlwini lwethu, siyeluleka funda kabanzi ngemigomo yokubolekisa ngemalingokuvakashela iwebhusayithi yakhe.

Ngaphezu kwalokho, lapho ungathumela futhi isicelo sokuqalangaleyo ndlela konga isikhathi esiningi.

Sincoma futhi ukuthi sifunde i-athikili yethu yokuthi ungayithathaphi imali uma wonke amabhange nama-microloans enqaba.

Umbuzo 2. Ungasifaka kanjani isicelo semalimboleko yabathengi kwaSberbank online?

Muva nje, bayanda abantu abasebenzisa leli thuba lokufaka isicelo semalimboleko ku online... Le sevisi ikuvumela ukuthi ugweme ukuma kolayini, ngaleyo ndlela wonge isikhathi. Ngasikhathi sinye, isicelo kuwebhusayithi yebhange singenziwa nganoma yisiphi isikhathi esikahle ngaphandle kokushiya ikhaya lakho noma ihhovisi.

Labo abanquma ukufaka isicelo semalimboleko yabathengi kwaSberbank kufanele bakhumbule ukuthi le nhlangano yezikweletu inezidingo ezibucayi kubabolekisi bayo. Ngaphezu komlando wesikweletu kuzobhekwa futhi izinga nokuzinza imali engenayo... Kungakho kungafanele uchithe isikhathi ngokuvakashela ihhovisi, kungcono ukuthi ugcwalise ngokushesha isicelo sokuqala online kuwebhusayithi yebhange.

Chofoza esigabeni esithi "Izimalimboleko", landela isixhumanisi esithi "Thatha imalimboleko kwaSberbank", lungisa imibhalo bese ugcwalisa ifomu

Yonke inqubo yokufaka isicelo ngeke ithathe ngaphezu kwekota yehora. Ngasikhathi sinye, kunsizakalo elula, awunakukhetha kuphela inketho yokubolekisa engcono kakhulu, kepha futhi uhlole amandla akho wezezimali.

Iqiniso ngukuthi ngemuva kokwethulwa kwethemu kanye nenani lemalimboleko ehlongozwayo, inkokhelo ibalwa ngokushesha, kanye nokukhokhwa ngokweqile.

Izakhamizi ezihlangabezana nale mibandela elandelayo zingafaka isicelo semalimboleko kwaSberbank:

• iminyaka - hhayi ngaphansi 21 iminyaka, kepha hhayi ngaphezulu 65 iminyaka ngosuku lokuqothulwa okuphelele;
• ulwazi lomsebenzi oluqhubekayo lokungenani unyaka owodwa;
• ubukhulu emsebenzini wokugcina hhayi ngaphansi 6 izinyanga.

Khumbulaukuthi kulabo abathola inkokhelo ekhadini le-Sberbank, izidingo ziyakhululeka. Endaweni yokugcina, kwanele ukusebenza izinyanga ezintathu, futhi ulwazi lomsebenzi oluqhubekayo kufanele lube okungenani izinyanga eziyisithupha.

Ukuqedela isicelo, udinga ukukhetha uhlelo lokubolekisa nokuzijwayeza imigomo nemibandela yalo. Ngemuva kwalokho, kugcwaliswa uhlu lwemibuzo. Lapho ucacisa isikhathi, sicela wazi ukuthi ngeke seqe ezinhlanu iminyaka.

Ngemuva kokugcwalisa uhlu lwemibuzo, kufanele uluthumele ebhange ngokuchofoza inkinobho efanelekile. Isikhathi sokubhekwa ngu kusuka 2 amahora ngaphambi 2 izinsuku... Umfakisicelo uzokwaziswa ngu ucingo noma i-imeyili.

Uma isixazululo sithi okuhle, ukuqedela inqubo yokubhaliswa kwemali mboleko, kuzohlala ukuvakashela ihhovisi lasebhange nemibhalo edingekayo. Ngokwesiko, lokhu kufaka ipasipoti nemibhalo eqinisekisa imali engenayo. Esikhathini esiningi, kubasebenzi, lesi isitifiketi semali esivela emsebenzini.

Ngakho-ke, ukufaka isicelo semalimboleko kwaSberbank nge-Intanethi kwenza lula inqubo yokuthola imalimboleko. Awudingi ukuchitha isikhathi bese ume ulayini. Uma unqatshelwe ukubolekwa imali ebhange, ungathatha i-microloan online ekhadini emizuzwini engu-5 ngaphandle kokubheka umlando wakho wesikweletu futhi ngokunokwenzeka ngaphandle kokwenqatshwa kwenye yezinhlangano zezimali ezincane (ama-MFOs).

Umbuzo 3. Ungaboleka kanjani imali yabathengi kosomabhizinisi ngabanye?

Ukuvula usomabhizinisi ngamunye (ibhizinisi ngalinye), ngeshwa, akusishiyi ngaphandle isidingo sokuthola imali ebolekiwe. Kunalokho okuphambene kuyiqiniso - isidingo sabo siyanda, ngoba osomabhizinisi ngabanye abadingi ukuhlinzeka ngezidingo zabo hhayi kuphela, kepha futhi nebhizinisi labo. Ngasikhathi sinye, ukuthola ngisho nemalimboleko eyisisekelo kusomabhizinisi kuvame ukuba namandla kakhulu kwehlukile kusuka ekubhaliseleni umsebenzi.

Inkinga enkulu kosomabhizinisi ngabanye ukuthi kungaba nzima kubo ukufakazela imali. Ngaphezu kwalokho, ukwenza inzuzo ngokwenza ibhizinisi akuqinisekisiwe. Ngasikhathi sinye, amabhange ayaxwaya kulabo abangaba ababoleki imali yabo engaqiniseki.

Izindlela zokuthola imali mboleko yezidingo zomthengi zikasomabhizinisi ngamunye (usomabhizinisi ngamunye)

Indlela yokuphuma kulesi simo kumabhizinisi ingaba ukubhaliswa kwemali mboleko ebonakalayo... Kulokhu, inhlangano yezikweletu ayenzi isheke ngokuphelele lomboleki, kungenzeka ingazi nokuthi umfakisicelo uyazisebenza.

Kusukela kumadokhumenti uzodinga kuphela ipasipoti futhi idokhumenti yesibili (futhi ungayikhetha ohlwini olukhulu), imali engenayo yedokhumenti ngeke kudinge.

Lapho ufaka isicelo semalimboleko esheshayo, ibhange livame ukunaka kuphela iqiniso lokuthi kukhona ukubhaliswa unomphela, nokuthi futhi awukho umlando omubi wesikweletu.

Kodwa-ke, ukubolekiswa okucacile kunezinkinga ezinkulu. - lena inzalo ephezulu nemali mboleko encane. Imvamisa ngeke kwenzeke ukuthatha ama-ruble angaphezu kwezinkulungwane ezingamashumi amathathu, futhi nesilinganiso senzalo singafinyelela 50% ngonyaka.

Ungakhohlwa ngenhloso yokubolekisa. Uma usomabhizinisi edinga ukuthenga okukhulu, ungafaka isicelo semalimboleko yezimpahla ngqo ku isitolo... Ngasikhathi sinye, isheke eliphelele lomboleki alenziwa. Ibhange lithatha isinqumo ngokushesha, okusho ukuthi ngeke libe nesikhathi sokuqonda ukuthi umthengi ubhalisiwe njengosomabhizinisi ngamunye.

Uma udinga ukheshi nemali inkulu ngokwanele, kuzofanele uzame ukuthola imali mboleko yomthengi indlela yendabuko... Kubalulekile ukukhombisa ngobuqotho ohlwini lwemibuzo ukuthi umsebenzi womfakisicelo ungubani ezamabhizinisi.

Kubalulekile ukuthi ungasho nganoma yisiphi isimo njengenhloso yokuboleka ukuthuthukiswa kwama-Businesses... Kulokhu, kuzolandela ngokuqinisekile ukulahla... Kungcono ukubhala inguqulo eduze kakhulu nomthengi - iholide, ukulungiswa, njll.

Kulokhu, ngokunokwenzeka, kuzodingeka unikeze isimemezelo. Nayi enye inkinga. - osomabhizinisi abaningi babukela phansi ngamabomu imali engenayo ukuze bakhokhe intela encane ngangokunokwenzeka. Akunakwenzeka ukuthi ibhange lizoboleka usomabhizinisi ngamunye onemali encane kakhulu eqinisekisiwe.

Ngenzuzo eyanele esimemezelweni, usomabhizinisi angathembela kwimalimboleko enanini cishe 15Ama-ruble ayizinkulungwane ezingama-0. Ngasikhathi sinye, izinga lenzalo yosomabhizinisi abangabodwa alibi ngaphansi kakhulu. Uvame ukufinyelela 25%.

Uma ufuna ukuthola isilinganiso semalimboleko esanele, kuzofanele uhlinzeke isibambiso noma isibambiso... Esimweni sokuqala, noma iyiphi impahla ebhaliswe kwisakhamuzi njengomuntu ngamunye iyafaneleka. (Kungaba yimoto noma ifulethi).

Uma kunqunywa ukuthi kunikezwe isiqinisekiso, kufanele kuqashelwe ukuthi usomabhizinisi ofanayo ngeke alungele lapha. (Kuzofanele sithole isakhamuzi esinjalo esisebenzela ukuqasha futhi esinganikeza isitifiketi seholo kumqashi).

Ngakho-ke, kunzima kakhulu ukufaka isicelo semalimboleko kusomabhizinisi ngamunye kunalowo osebenzayo. Noma kunjalo, akukho okungenzeki. Kumele ubeke umzamo omncane ngokwengeziwe.

Ngendlela, osomabhizinisi ngabanye bangasebenzisa insizakalo yokuqashisa ukuthenga izimoto noma okokusebenza kwebhizinisi. Sesivele sikhulume ngemigomo yokuqashiswa kwezimoto zabantu ngabanye nezinhlangano zomthetho kwenye yezinkinga ezedlule.

Umbuzo 4. Ungayithola kanjani imali ebolekiwe ngumthengi iminyaka engu-5-7-10-15 futhi ngabe kukhona okuhlukile ekutholeni imalimboleko yesikhathi eside?

Izimalimboleko zabathengi zesikhathi eside azinakho umehluko osisekelo ekwakhiweni kusuka kulezo ezithathwe izinyanga ezimbalwa. Imvamisa, imali mboleko enjalo ikhishwa ngaphansi izinhloso ezithile.

Ngenxa yesidingo esikhulu semalimboleko yesikhathi eside, namuhla zingatholakala emabhange amaningi. Kufanele kukhunjulwe ukuthi amanani enzalo ezikhungweni ezehlukene zezikweletu angahluka kakhulu.

Kumele kuqashelwe ukuthi uma isikhathi semalimboleko esitholiwe isikhathi eside, izinga elizoba ngaphezulu lizoba ngaphezulu... Ngakho-ke, imali mboleko ye- 5 iminyaka ikhishwa ngokwesilinganiso ngaphansi 15% ngonyaka, ngu 10 iminyaka - ngaphansi 20% ngonyaka, njll. Kwamanye amabhange, imali mboleko yesikhathi eside ikhishwa ngesilinganiso 50%. Ngakho-ke, ukuze ungamangali ngokungathandeki, kubalulekile ukutadisha yonke imibandela yemalimboleko. NGAPHAMBI umzuzu wokufaka isicelo.

Kungokwemvelo ukuthi imali mboleko yesikhathi eside inikezwa kuphela uma kunephakheji ebanzi yemibhalo.

Ngokwesiko, imalimboleko enjalo ingatholakala ngokunikeza:

• Ipasipoti yaseRussia isitembu endaweni yokubhaliswa unomphela;
• idokhumenti yesibili ekukhetheni kumboleki (okokushayela, kwe-SNILS, kwe-TIN noma okunye);
• isitifiketi seholo ngesimo se-2-NDFL noma ku-letterhead yebhange uqobo.

Imibhalo eyengeziwe incike kwimigomo yemalimboleko futhi yehlukile ecaleni ngalinye. Njengobufakazi bendawo yokusebenza, amabhange amaningi adinga ikhophi yencwadi yomsebenzikugcizelelwe ngumqashi.

Noma ezimeni lapho imalimboleko inganikeli ngesibambiso, ezinye izinhlangano zezikweletu zidinga ukulethwa kwemibhalo yendawo yalowo ofake isicelo (imvamisa imoto noma ifulethi)... Kulokhu, i- ithuba lesinqumo esihlenjengokuqinisekiswa kwesixazululo somboleki kuvela. Lokhu kusho ukuthi ngokubuka kwebhange, ingozi yokungabuyiswa kwemali inciphile.

Kufanele kuqondwe ukuthi imali mboleko yesikhathi eside ihlala ihlotshaniswa nengozi enkulu yebhange. Isikhungo esikweletwa imali sicabangela iqiniso lokuthi esikhathini eside kangako, ukuzixazulula komboleki kungashintsha - kungenzeka ukudubula noma uzimisele ngigule... Ezimweni ezinjalo, impahla isebenza njengesiqinisekiso esingeziwe, ngoba uma kwenzeka kuba nesimo esingalungiseki, okweletayo uzokwazi ukuyithengisa.

Qaphela! Ngokuphikisana nenkolelo evamile, akudingeki nhlobo ukuthi unikeze isitatimende semali engenayo ukuze uthole imali mboleko yesikhathi eside. Kodwa-ke, kuzoba lula kakhulu ukuthola isinqumo esihle naye.

Vuliwe 5th leli gama lifakwa emabhange amakhulu kakhulu. Thola okuhlinzeka ngemalimboleko 7 iminyaka seyinzima ngokwengeziwe. Vuliwe 10 Iminyaka nemalimboleko ethe xaxa yabathengi ikhishwa ngisho nangaphansi kakhulu. Kwesinye isikhathi zingakhishwa uma ucacisa okubizayo ukulungiswa noma ukuthenga imoto.

Ukuthola imali mboleko yesikhathi eside, kufanele uthathe izinyathelo eziningana ezilandelanayo:

1. Ukubhaliswa kwesicelo. Kunezinketho eziningi. Ungaya ngqo ehhovisi lebhange, ugcwalise uhlu lwemibuzo, udlulise imibhalo edingekayo kwisikhulu semalimboleko. Futhi, amabhange amaningi anamuhla anikela ngokukhipha isicelo online ngaphandle kokuvakashela igatsha ngqo kuwebhusayithi yesikhungo sezikweletu. Kwesinye isikhathi udinga ukulanda scan noma ikhwalithi isithombe semibhalo... Kulokhu, isicelo sithunyelwa ngqo emnyangweni wokubuyekeza.
2. Ukucutshungulwa kwesicelo. Ngemuva kokuphothula isicelo, ibhange lihlaziya imininingwane enikezwe ngumboleki. Uma isikhathi eside semalimboleko ehleliwe, isheke lizoba likhulu ngokwengeziwe. Amabhange amaningi ahlola umlando wesikweletu ngokucela imininingwane efanelekile kusuka I-BKI (isikhungo sezikweletu). Ezinye izikhungo ezibolekisayo zithatha izinqumo ngokushesha - kungakapheli usuku. Kodwa-ke, imvamisa esimweni sokubolekwa kwesikhathi eside, umfakisicelo unikezwa impendulo kungakadluli izinsuku ezimbili. Ngendlela, ungathola ukuthi imaphi amabhange angahloli umlando wesikweletu wababoleki kwenye ye-athikili yethu.
3. Isiphetho senkontileka. Uma ibhange lamukele okuhle isinqumo, uzodinga ukusayina inkontileka. Ngaphambi kokufaka isiginesha yakho kuso, kubalulekile ukuthi uwafunde ngokucophelela wonke amaphuzu esivumelwano, ikakhulukazi lezo zingxenye eziphrintiwe ukubhala okuncane... Yilapho ulwazi olumayelana nezimali ezifihliwe luvame ukutholakala khona.
4. Ukuthola imali. Ngokuya ngemibandela yemalimboleko, izimali zingakhishwa ngokheshi ngocashier noma zidluliselwe ekhadini lasebhange.

Lapho izimali zitholwa, kuhlala kusekela imalimboleko ngekhwalithi ephezulu, okungukuthi, ukukhokha njalo ngenyanga ngesikhathi. Uma lokhu kungenziwanga, ibhange lingakhokhisa inhlawulo, izinhlawulo kanye nokulahlekelwa, okusho ukuthi izindleko eziphelele zemalimboleko zizonyuka.

Umbuzo 5. Ungayithola kanjani imalimboleko yabathengi ngenzalo ephansi?

Lapho ezama ukubolekwa imali, noma imuphi umuntu ohlakaniphile ufuna ukuyiboleka isilinganiso esincane... Abantu abaningi bakholelwa ukuthi akunakwenzeka ukuthonya iphesenti. Kodwa-ke kunemithetho eminingi, ukugcinwa kwayo okuvumela ukuthi uzuze ukwehliswa kwesilinganiso lapho uthola imali mboleko.

Uma uhlela ukuthenga izimpahla ngesikweletu, ngaphambi kokufaka isicelo ebhange, kufanele ubuze nabasebenzi basesitolo ukuthi kungenzeka yini lokho izitolimende... Eqinisweni, kudwetshwa njengesaphulelo kusuka entengo yezimpahla ngenani lenzalo. Kwiklayenti, kubukeka sengathi inzalo engenayo inzalo, okuyinto engokwemvelo impela kunenzuzo.

Izindlela zokuthatha imali mboleko yomthengi ngokheshi ngenzalo ephansi

Kunezindlela eziningana zokwehlisa inani lenzalo noma ngabe kwenzeka lapho ufuna ukuthola imali mboleko ukheshi kusho.

Kunezinketho eziningi kulokhu:

1. Okokuqala, kufanele uqale ngokuqhathanisa izimo zemalimboleko emabhange ahlukene. Kufanele kukhunjulwe ukuthi imvamisa izimo ezinhle kakhulu zisesikhungweni sezikweletu lapho kudluliswa khona umholo. Ngakho-ke, kunengqondo ukuqala ngaleli bhange, sifunde izimo ezithile zabasebenzi beholo. Kufanele futhi unake okuhlukahlukene isilinganiso sokusika amasheya, amabhange ayichitha ngosuku olwandulela amaholidi ahlukahlukene. Kwezinye izigaba zezakhamizi (abasebenzi besabelomali, abahola impesheni), amanani aphansi anikezwa ezikhungweni ezithile zezikweletu. Kuyafaneleka futhi ukwazi ngalokhu kusengaphambili.
2. Inketho yesibili yokwehlisa inani lenzalo ukuqoqa iphasela eliphelele lamadokhumenti ngangokunokwenzeka. Kwimalimboleko, edinga ipasipoti kuphela, inani lenzalo liphezulu impela. Kungcono ukuchitha isikhashana, ulungiselele isitifiketi seholo, ikhophi yencwadi yomsebenzi. Kulokhu, iphesenti lizoba liphansi. Ungaqhubeka nokunciphisa isilinganiso ngokuletha amadokhumenti ahlukahlukene egatsheni lasebhange, eqinisekisa ubukhona bempahla (ingcebo noma imoto). Ngaphezu kwalokho, ungakhanga umqinisekisi onemali engenayo ezinzile.
3. Lapho kubalwa imingcele yemalimboleko, umuntu kufanele akhethe imibandela enjalo lapho inkokhelo yomfakisicelo izokwenzeka. Kulokhu, isikhathi kufanele sibe sincane. Lokhu kungenxa yokuthi uma isikhathi esifushane sokuvuthwa sifushane, izinga lenzalo liyancipha.

Ngakho-ke, uma ufuna ukuthola imali mboleko yomthengi ngenani elithile, kubalulekile ukusebenzisa wonke amathuba ukunciphisa izindleko zokuyiseva.

Enye yemingcele eyinhloko enganciphisa kakhulu izindleko yile isilinganiso senzalo... Ungagcina amanani abalulekile ngokusebenzisa amathiphu angenhla.

Umbuzo 6. Imalimboleko yabathengi engavikelekile - isho ukuthini?

Akuwona wonke umuntu owaziyo ukuthi imalimboleko yabathengi engavikelekile iyini, nokuthi yiziphi izici zayo. Ngasikhathi sinye, uma kunesidingo semali ebolekiwe ukukhetha uhlelo oluhamba phambili, ukuqonda umehluko phakathi kwezinhlelo ezahlukahlukene kubalulekile.

Imalimboleko engaphephile kuyimali mboleko yezinjongo ezahlukahlukene zabathengi, ukubhaliswa kwayo akudingi ukuhlinzekwa kwempahla njengesibambiso, kanye nokumema abaqinisekisi.

Le nketho ilungile ezimweni lapho kubalulekile ukuthola izimali ezibolekiwe ngokushesha okukhulu futhi ngaphandle kobunzima obungadingekile.

Phakathi kwemali mboleko engavikelekile, izinketho ezilandelayo zingahlukaniswa:

• imali mboleko engukheshi noma ngokudluliselwa ku-akhawunti ngokusebenzisa isikhungo sezikweletu;
• izimalimboleko zokuthengwa kwezimpahla ezahlukahlukene, ezikhishwe ezitolo;
• amakhadi esikweletu ngepasipoti enesisombululo esisheshayo.

Ngaphambi kokuzama ukufaka isicelo semalimboleko engaphephile, kubalulekile ukuqonda ukuthi yiziphi izimfuneko amabhange azibeka kulabo abangaba ababoleki ezimweni ezinjalo. Okuyinhloko kunjengokulandelayo:

1. uneminyaka engama-23 kuya kwengama-55, akuvamile ukuthi amabhange avumele ukuthi kunikezwe imali mboleko kubantu abangaphezu kweminyaka eyi-18, kanye nangaphansi kweminyaka engama-70;
2. ubukhona bokubhaliswa unomphela (ukubhaliswa), ngemali mboleko yesikhashana cishe ayinakwenzeka, imvamisa ukubhaliswa kufanele kube esifundeni lapho kunegatsha lasebhange;
3. isipiliyoni somsebenzi esiphelele imvamisa kufanele okungenani sibe yizinyanga eziyi-12, endaweni yokugcina - okungenani izinyanga eziyisithupha;
4. ukuqinisekisa i-solvency, umboleki kumele anikeze okungenani eminye imibhalo. Ngakho-ke, uma ufuna ukubolekwa imali, uzodinga isitatimende semali engenayo unomphela;
5. abesilisa abaneminyaka yobudala engabhalisiwe - kuze kufike eminyakeni engama-27 ubudala kuzodingeka bethulwe ebhange i-ID yezempi;
6. amabhange amaningi adinga ukutholakala kocingo lwasendlini lokuxhumana naye - isisebenzi, ikhaya noma abangani nabantu obajwayele.

Kubaboleki abangenayo imali eyanele yokuthola imalimboleko, izinhlangano eziningi zezikweletu zinikeza ithuba lokuheha njengomuntu obolekayo abalingani... Kufanele kuqondwe, kepha, ukuthi nabo kumele bahlangabezane nazo zonke lezi zidingo ezingenhla.

Kuyaqabukela kakhulu ukuthi amabhange akhiphe imali mboleko ngaphandle kwesibambiso adinga iphakethe elincane lemibhalo - ipasipoti. Kaningi, uzodinga ngokwengeziwe:

• umazisi wesibili;
• ikhophi yomsebenzi;
• isiqinisekiso semali engenayo - isitifiketi esisebhange, 2-NDFL noma esikhwameni sempesheni seRussian Federation, okukhishwa kunoma iyiphi i-akhawunti yasebhange (kufaka phakathi ikhadi).

Kubalulekile ukunaka kakhulu imigomo yemalimboleko. Esinye sezici ezibaluleke kakhulu ukuthi Izinga lenzalo yemalimboleko yabathengi... Imvamisa ibalwa ngawodwana, kuya ngemininingwane ehlukahlukene enikezwe ngumboleki.

Noma kunjalo, kukhona izinketho zokwehlisa izinga noma ngabe ufaka isicelo semalimboleko ngaphandle kwesibambiso:

1. ukuthatha imalimboleko ebhange lapho uthola khona umholo;
2. umlando wesikweletu osezingeni eliphakeme;
3. Ukubhaliswa komshwalense wempilo, kanye nezifo ezibandakanya ukukhubazeka.

Ezinye izimo ezibalulekile zokubolekwa kwemali okungaphephile zifaka - inani elibolekiwe... Imvamisa kuyaqala kusuka kuma-ruble ayi-15,000, ubukhulu bufinyelela isikhawu kusuka 0.5 isigidikufika kuma-ruble ayizigidi eziyi-1.5. Leli gama livame ukufinyelela ezinhlanu iminyaka, akuvamile - Isikhombisa.

Okwalabo abafisa ukuthola imalimboleko ngaphandle kwesibambiso impela isamba esikhulu, kufanele kuqashelwe ukuthi isikhungo sezikweletu sizothatha ngokungathí sina ukuqinisekiswa kwayo yonke imininingwane enikezwe ngumfakisicelo.

Kuvamile ukuthi amabhange afune isiqiniseko esibucayi sezinketho zokukhokha ngemuva kokuhlolwa. Kulokhu, ukuphepha kungaba okungekho emthethweni... Lokho wukuthi, kwanele ukuqinisekisa ubukhona bempahla, kanye nokuxhaswa kwabantu ababucayi, kepha izivumelwano zokuzibophezela nezibambiso ngeke zenziwe.

Ngaphezu kwawo wonke amapharamitha angenhla, kuzoba wusizo ukutadisha ubuhle nobubi bemalimboleko engaphephile. Phakathi kwama-pluses (+) kukhona:

• ukubhaliswa okusheshayo;
• asikho isidingo sokucindezela isibambiso, kanye nokuhlinzeka ngesibambiso;
• ubuncane bemibhalo edingekayo;
• ukusetshenziswa kabi kwezimali.

Ububi bemali mboleko engavikelekile yile:

• izinga eliphezulu;
• isikhathi esifushane;
• inani eliphansi kunezimo ezinikezwa ukuphepha.

Ngakho-ke, kungenzeka ukuthi uthole imali mboleko engaphephile. Kodwa-ke, kuleli cala, kufanele uthathe izimo zayo ngokungathi sína ngangokunokwenzeka, ngoba ngokuvamile inzuzo encanekunokuba nesibambiso.

Umbuzo 7. Yisiphi isikhathi esiphezulu semalimboleko yabathengi?

Lapho ufaka isicelo semalimboleko yabathengi, abaningi bayazibuza ukuthi ingatholakala isikhathi esingakanani. Le parameter ibalulekile ngoba ubude besikhathi sokukhokha bunomthelela oqondile ngosayizi wenkokhelo yanyanga zonke.

Uma isikhathi eside, kuzodingeka ukhokhe kancane. Kulokhu, yiqiniso, ukukhokha ngokweqile kuzoba okubaluleke kakhulu. Kepha obolekayo uzokwazi ukubala inani elikhulu lemalimboleko ngenzuzo yakhe.

Mayelana nalokhu, kubalulekile ukwazi ukuthi isikhathi esingakanani semali mboleko yomthengi singatholakala. Isikhathi sokukhokha sincike ezicini ezahlukahlukene.

Yini enquma isikhathi esiphezulu semalimboleko yemalimboleko yabathengi - izinto ezibalulekile

Okokuqala, isikhathi semalimboleko sinqunywa yi- Inhloso... Ngakho-ke, imalimboleko, imali mboleko ekhishwe imali yokufunda, evame ukukhishwa ubuningi be- 6 iminyaka... Uma injongo yokuthola imalimboleko kungukuthi ukhokhele uhambo lwakho lweholide, akunakwenzeka ukuthi unikezwe okungaphezulu kuka 12 izinyanga... Kulezi zimo, isikhathi semalimboleko asiside kakhulu, ngakho-ke, ukuthola imali ebolekiwe, kuzokwanela ama-passport futhi izitatimende zemali engenayo.

Namuhla kungenzeka ukuthi uthole imali mboleko yomthengi isikhathi eside. Ingafinyelela ishumi elilodwa noma amabili eminyaka... Kepha kulokhu uzodinga ukuhlinzeka ngempahla ebalulekile njengesibambiso... Lokhu kungaba yi-real estate, isibonelo, indawo yomhlaba noma ifulethi, noma imoto. Funda ngemibandela yokuthola imalimboleko evikelwe yimoto i-PTS ku-athikili ehlukile.

Kufanele kuqondwe ukuthi uma kungakhokhwa imalimboleko esikhishelwe yona isibambiso, ibhange linelungelo lokuthengisa impahla ehambelana nalo ukuze libuyise imali ekhishiwe. Ngakho-ke, akufanele uxhamazele ukuthola imali mboleko isikhathi eside kangako. Kungcono ucabange futhi hlola amakhono akho wezezimalingaphambi kokuthatha izingozi ezinjalo.

Kodwa-ke, izimalimboleko zabathengi zesikhathi eside - 10 iminyaka nokuningi, kukhona ukuhlanganisa... it inkokhelo encane... Ngamanye amagama, uma isikhathi siside, maningi amathuba okuthi imali engenayo yalowo obolekayo izokwanela ukwenza inkokhelo yanyanga zonke.

Abantu abaningi abazimisele ngokukhetha isikhathi semalimboleko, kepha lokhu kungenye yemingcele ebaluleke kakhulu.

Ngokuya ngethemu, kukhona:

• imali mboleko yesikhashana - kuze kube unyaka;
• isikhathi esiphakathi nendawo - unyaka owodwa kuya kwemithathu;
• isikhathi eside - isikhathi esingeqile eminyakeni emithathu.

Ukukhetha okwakamuva kulezi zigaba ezintathu, kufanele uxhume ukuhlaziywa ngokuzibophezela ngangokunokwenzeka. Ungakhohlwaukuthi isikhathi eside, ukukhokha ngokweqile kuzoba kukhulu.

Kule ncwadi, sizamile ukutshela okuningi ngangokunokwenzeka mayelana nokubolekwa kwabathengi. Asikhulumi nje kuphela ngokuthi kuyini, kodwa nokuthi yini izinzuzo futhi ukulinganiselwa lolu hlobo lokuboleka. Siphinde sazama ukuphakamisa ukuthi ungayihlela kanjani futhi kanjani lapho kungasiza.

Sikukwazisa ukuthi ubuke ividiyo mayelana nokuthi imalimboleko yabathengi iyini nokuthi yini okudingeka uyazi ngaphambi kokuyithola:

Sincoma nevidiyo esihlokweni esithi "Ungasithatha kanjani isikweletu somthengi ebhange":

Konke lokho okwethu.

Sikufisela inhlanhla ezindabeni zakho zezezimali! Lapho uthatha isinqumo sokuthola imali edingekayo kwimalimboleko, khumbula ukuthi kungasiza ekunqobeni ubunzima besikhashana. Kodwa-ke, ngesimo sengqondo esingalungile mayelana nemalimboleko, ungaqhubeka nokwandisa izinkinga zakho.

Zama ukuhlola amakhono akho ngokucophelela ngangokunokwenzeka, khona-ke ngeke kube khona ubunzima!

Bafundi abathandekayo bephephabhuku i-Ideas for Life, sizojabula kakhulu uma ulinganisa le ndatshana bese ushiya imibono yakho ngesihloko sokushicilelwa ngezansi!

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