Isikweletu (imalimboleko) evikelwe yi-PTS - imiyalo yokuthi ungathatha kanjani imalimboleko ngaphansi kwe-PTS yemoto + Amabhange we-TOP-4 anezimo ezinhle

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Sawubona bafundi abathandekayo be-Ideas for Life kumagazini oku-inthanethi! Namuhla sizokhuluma kwizimalimboleko namakhredithi avikelwe isitifiketi semoto (ipasipoti yemoto).

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

Kulesi sihloko, uzofunda:

Ingabe kufanelekile ukuthembisa i-TCP ukuthi ithole imalimboleko;
Yiziphi izimo zokuthola imali mboleko evikelwe yi-PTS kanye nezigaba zokuthola imali mboleko ngaphansi kwepasipoti yemoto;
Yimaphi amabhange akhipha imali evikelwe yi-PTS.

Ngaphezu kwalokho, ekugcineni kwendatshana ngokwesiko sizophendula imibuzo ebuzwa njalo mayelana nemalimboleko namakhredithi avikelwe yi-PTS.

I-athikili eyethulwayo izosiza kakhulu labo abanesidingo semali, abanemoto, kepha abafuni ukuyithengisa ukuze bathole imali edingekayo. Uma lokhu kusebenza kuwe, ungachithi isikhathi sakho, qala ukufunda 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.

Ungayithola kanjani imalimboleko evikelwe yimoto ye-PTS ebhange nokuthi ungayithola kuphi imali mboleko yemali ngaphansi kwepasipoti yemoto - funda le ndatshana!

1. Kukufanele yini ukuthola imali mboleko (imalimboleko) evikelwe yi-PTS? 📑

Abaningi banquma ukuthatha imalimboleko evikelwe yi-PTS (ipasipoti yemoto), lapho bengatholi enye indlela yokuthola inani elidingekayo lemali... Kodwa-ke, akufanele ubeke engcupheni imoto noma enye impahla uma kunezinye izindlela zokuboleka imali. Ungathola ukuthi ungayithathaphi imali ngokufunda i-athikili yethu edlule.

Ukuze ungalahlekelwa yimoto, uvikeleke ngemalimboleko, kufanele ubambisane nezinhlangano zezikweletu ezinedumela elihle. Ingabhaliswa ngokusemthethweni Ama-IFIs futhi amabhange... Kodwa-ke, laba bokugcina abavumi ngaso sonke isikhathi ukuboleka imali ekuphepheni kwemoto, futhi izinsizakalo zezinhlangano zezimali ezincane azishibhile.

Ngenxa yokushoda kwamabhange nama-MFIs, imvamisa labo abadinga imali baphendukela izitolo zokuthengisela noma izinkampani ezinesithunzi esingabazekayo. Ngenxa yalokho ithuba lokuhlangana abakhohlisi bezezimali kwanda izikhathi eziningi. Ngasikhathi sinye, ngisho nezinkampani ezisemthethweni zingasizakala ngesimo esingenathemba sababolekayo, kanye nokuntuleka kwabo kokufunda ngezezimali.

Okubalulekile! Imali mboleko evikelwe yimoto kufanele ikhishwe kuphela ezinhlanganweni ezidumile ezibhaliswe ngokusemthethweni. Lokhu kuzonciphisa amathuba okuthi lapho imoto izodayiselwa umuntu wesithathu ngentengo ephansi kakhulu. Futhi, akufanele uzethembe izinkampani ezibonakala zihle kakhulu futhi zinikeza izimo ezithandekayo ezingekho emthethweni.

Kungcono ukubambisana ne- amabhange kahulumeni... Izinkampani ezinenani elikhulu lemali nedumela elihle azisoze zajamela ekukhwabaniseni okusobala. Abazami ukuthatha imoto kumboleki, inhloso yabo ukuthola imali ezinzile.

Izinkampani ezinjalo isibambiso se-TCP kuphela isiqinisekiso sokubuyiselwa kwemali ekhishiwe. Uma kwenzeka ubambisene nezinkampani ezinokwethenjelwa kuphela lapho ungaqiniseka ukuthi ukuthengiselana kuzophepha futhi kube nenzuzo kubo bobabili obolekayo nombolekisi.

Ngaphambi kokuthatha isinqumo ngemalimboleko evikelwe yi-PTS, kubalulekile ukuthi ufunde izinzuzo futhi ukulinganiselwa izinhlelo ezinjalo.

Phakathi kwama-pluses (+) kukhona okulandelayo:

Ukuhlinzekwa kwesibambiso kuholela ekwehleni kwezinga. Ngaphezu kwalokho, ngisho namaphesenti ambalwa aholela ekwehliseni okukhulu ekukhokheni ngokweqile;
Inqubo yokubhalisa yenziwe lula - uzodinga ukuhlinzeka ngobuncane bezitifiketi nemibhalo;
Obolekayo angaqhubeka nokusebenzisa imoto. Akuyona imoto ethenjiswe okweletwayo, kepha yimibhalo yayo;
Ngenxa yobukhona besibambiso, isikhathi semalimboleko siyakhula. Zonke ezinye izinto zilingana, lokhu kuholela ekwehleni ngosayizi wenkokhelo yanyanga zonke, ngenxa yalokho, kuzoba lula ukukhokha imali mboleko;
Ngisho nalabo abanomlando wesikweletu owonakele bangathola imalimboleko.

Ngaphandle kwenani elibalulekile lezinzuzo, imalimboleko evikelwe yi-PTS inezinkinga eziningi.

Okunye ukukhishwa (-) kufaka okulandelayo:

Kukhona ingozi yokulahlekelwa yimoto ephethwe ngumboleki ngokungabi khona kwekhono lokukhokha imali mboleko;
Kufakwa umthwalo emotweni okuzosebenza isikhathi sonke sesivumelwano semalimboleko. Kuvela ukuthi umboleki akanalo ilungelo lokulahla imoto - ukuthengisa, ukunikela noma ukwenza ezinye izenzo;
Umnikazi wemoto uphoqeleka ukuthi ayisebenzise ngaphandle kwesihloko. Ngenxa yalokhu, kungavela ubunzima nenkampani yomshuwalense uma kwenzeka ingozi.
Ngeke uthole ngaphezu kuka-50% wezindleko zemoto ngesikweletu.

Lapho kukhishwa imalimboleko evikelwe yi-PTS, amabhange abeka izidingo ezithile ezimotweni ezamukelwe ukuze zibambisane.

Izici ezilandelayo ziyabhekwa:

ubudala;
amamayela;
Izimo zokusebenza;
Ukucaciswa.

Indlela elula ukuthola imali mboleko evikelwe yimoto. Akubona bonke ababolekisi abamukela amaloli njengesibambiso. Noma bevuma ukukhipha imali ekuphepheni kweloli, izidingo ezibucayi zizokwethulwa emotweni.

2. Ngubani okhipha imali ebolekwe yi-PTS - TOP-4 ongakhetha kukho options

Kunezindlela eziningana zokuthola imalimboleko evikelwe yi-PTS yemoto. Inketho ngayinye inokwayo isithunzi futhi ukulinganiselwa... Kubalulekile ukutadisha ngokucophelela izinketho ezingaba khona zokuthola imalimboleko bese ukhetha leyo evumelana kangcono nesimo sakho esithile. Kungenzeka izinketho zokuthola imalimboleko evikelwe yi-PTS.

Inketho 1. Izinhlangano zebhange

Ibhange, elinenethiwekhi ebanzi yegatsha, liyinhlangano ethembekile. Kodwa-ke, akuwona wonke amabhange avumayo ukukhipha imali ekuphepheni kwemoto. Iningi labo, uma lamukela isibambiso, bese likhetha ukusebenzisa ukuthengisa izindlu... Sesivele sikhulume ngalokhu ku-athikili yokubuyekeza ngemalimboleko evikelwe yimpahla.

Ngaphandle kobunzima obuthile, ezindaweni ezinkulu zasemadolobheni ungahlala uthola amabhange azovuma ukukhipha imalimboleko evikelwe yi-PTS. Kodwa-ke, kufanele kuqondwe ukuthi labo babolekisi bazobuyekeza ngokucophelela isicelo esifakiwe.

Inqubo yokuqinisekisa yomfakisicelo ifaka phakathi:

ukubheka umlando wesikweletu womfakisicelo;
ukulinganisa okusemthethweni kwemoto enikelwe njengesibambiso;
ukuhlaziywa okuphelele kwe-solvency yomfakisicelo.

Enye into edingekayo yokukhipha imalimboleko evikelwe yi-PTS ebhange ukutholakala kwenqubomgomo ye-CASCO... Uma umboleki engenawo, kuzofanele athathe umshwalense. Ngaphezu kwalokho, abanye ababolekisi futhi bafuna ukuthi impilo nempilo yomuntu othole imali ivikelwe.

Okubalulekile! Akuwona wonke umuntu owaziyo, kodwa obolekayo unelungelo lokwenqaba ukuthatha umshwalense... Kodwa-ke, isenzo esinjalo siholela ekwandeni kwenzalo ↑ yemalimboleko.

Izinzuzo (+) zokufaka isicelo semalimboleko ebhange yilezi:

izinga liphansi kunelabanye ababolekisi;
isikhathi semalimboleko siyakhushulwa;
kungenzeka ukubuyisa imali mboleko ngaphambi kwesikhathi.

Ngaphezu kwalokho, ngokuvumela ubugebengu, amabhange anika ababoleki ithuba lokulungisa lesi simo. Uma kunesidingo, ungabuza ukuhlela kabusha izikweletu... Imoto izothathwa uma kuthenjiswa ukuthi izoboleka imali ebhange kuphela ezimweni ezimbi kakhulu ngesinqumo senkantolo.

Phakathi kokubi (-) kwale mali mboleko kukhona okulandelayo:

Akuzona zonke izimoto ezamukelwa njengezibambiso;
uma kunesidingo, imoto izothengiswa ngamanani entengo angaphansi.

Inketho 2. Ama-MFOs (izinhlangano zezimali ezincane)

Izinhlangano zezimali ezincane sezithandwa kakhulu eRussia muva nje.

Phakathi kwezinzuzo (+) zokuthola imali mboleko evikelwe yi-PTS ku-MFO yile:

isivinini esikhulu sokubhalisa - imvamisa emini noma ngisho namahora amaningi;
iphakethe elincane lemibhalo edingekayo;
izidingo eziphansi zemoto ethembisiwe.

Nokho, kukhona futhi sina kusimo - ukukhululeka kokuthola imalimboleko evikelwe yi-PTS kuholela emazingeni aphezulu kakhulu. Inzalo ivame ukuphakama kaningi kunangezimalimboleko ezifanayo ezivela emabhange. Izinga lingafinyelela 10% ngenyanga.

Inzuzo yalolu khetho - ikhono lokukhipha imali mboleko esheshayo (funda ukuthi ungayithola kanjani ku-athikili kusixhumanisi).

Inketho 3. Izitolo zokuthenga ezizenzakalelayo

Inani elikhulu kakhulu lezitolo zezimoto ezikhethekile ezisebenza eRussia.

Izinzuzo zokuthola imalimboleko ezinhlanganweni ezinjalo yilezi:

iminyaka yobolekayo ingaba yinoma yikuphi - kwanele ukufinyelela 18 iminyaka;
imibhalo emincane edingekayo ekubhaliseni;
cishe ukubhaliswa okusheshayo - imvamisa kungakapheli isigamu sehora;
ukuhlolwa kwemoto kukhokhwa ngumbolekisi;
kungenzeka ukubuyisa imali mboleko ngaphambi kwesikhathi.

Kodwa-ke, akufanele ucabange ukuthi i-pawnshop ilungele ukuthola imali.

Zonke izinzuzo zalombolekisi zisuswa ngobubi bazo:

inzalo ephezulu kakhulu;
unswinyo olukhulu lokwephuza.

Kwezinye izimo, isivumelwano siqukethe ilungelo lombolekisi lokubeka imoto endaweni yokupaka eboshiwe ngesikhathi sokuqala sokukhokha.

Inketho 4. Abatshalizimali abazimele

Abatshalizimali abazimele ababuzi imibuzo yalowo obolekayo. Abanasithakazelo eminyakeni yobudala, solvency ngisho nedumela lalowo obolekayo esikhathini esizayo. Noma kunjalo, kunamathuba aphezulu kakhulu okuhlangana abakhwabanisi... Ngenxa yalokhu, ungalahlekelwa yimoto yakho ungatholi mali.

Kuyafaneleka ukucatshangelwa! Ukuze ungabi yisisulu sabatshalizimali abangathembekile, kufanelekile ukuwafuna kumasevisi we-Intanethi athembekile.

Ungakhohlwa ukuthi iphesenti lokuthola imalimboleko kubantu lizobe liphakeme kakhulu kunezinye izindlela. Imvamisa isilinganiso ngonyaka sifinyelela noma sidlule ngisho ku-100%. Ngakho-ke, kufanelekile ukusebenzisa imalimboleko evela kubantu kuphela ezimweni ezimbi kakhulu - lapho ezinye izinkampani zingakwazanga ukuthola imali. Futhi, akufanele ufake isicelo semalimboleko enjalo isikhathi eside. Ukuthola eminye imininingwane yokuthi ungathatha kanjani imali mboleko kumuntu oyimfihlo ngokungayitholi, sibhale endatshaneni edlule.

Imibandela yokunikezwa kwemali mboleko nokubolekwa okuvikelwe yi-PTS

3. Imibandela yokukhipha imali mboleko (isikweletu) evikelwe yi-TCP - 3 izidingo eziyimpoqo 📃

Umbolekisi ngamunye ngokuzimela uthuthukisa izimo lapho ekhipha khona imali evikelwe yi-PTS. Noma kunjalo, kunezidingo ezimbalwa wonke umuntu okhipha imali azithobelayo.

Isidingo 1. Ukucaciswa kwemoto

Isimo sengqondo seminyaka yemoto sihlukile kubo bonke ababolekisi. Abanye abazikhiphi izimali izimoto zakwamanye amazwe amadala 5 iminyaka futhi izimoto ezifuywayomdala kuno 3 konyaka.

Kodwa-ke, kukhona nababolekisi abathembekile ngokwengeziwe. Ngakho-ke, Sovkmobank ikhipha imali ekuvikelekeni kwe-PTS yezimoto ezineminyaka yobudala engakanani ingeqi eminyakeni eyi-19.

Kepha kunezidingo zezimoto ezethulwa yibo bonke ababolekisi:

ukusebenza kwezobuchwepheshe kwemoto;
ukungabikho kwamaphutha amakhulu angaphandle.

Isidingo 2. Oda ngemibhalo

Ukuze ithuba lokuthola imali ekuvikelekeni kwe-TCP libe ngokoqobo, kubalulekile ukuthi uqiniseke ukuthi amadokhumende alungile. Ngeke ukwazi ukuthola imali mboleko evikelwe yizimoto zobugebengu. Akufanele kube nezinye izinkinga ngokudlula kwemoto.

Isidingo 3. Izici zobolekayo

Ngokuphathelene nababolekisi, izidingo zababolekisi zicishe zifane:

Ubuzwe baseRussia;
yobudala hhayi ngaphansi 21 iminyaka ingasekho 65 iminyaka;
ukubhaliswa unomphela esifundeni lapho okweletwayo ekhona.

Ukuba khona kwendawo esemthethweni yokusebenza, kanye nobufakazi bemali engenayo, ngokwesiko kudinga lokho kuphela amabhange. Ezinye izinhlangano azihlali zinesithakazelo kulolo lwazi.

Ukwazi ukuthi yiziphi izidingo eziphoqelekile lapho ufaka isicelo semalimboleko evikelwe yi-PTS, ababoleki bazokwandisa kalula amathuba okuthola imali.

Umhlahlandlela wesinyathelo ngesinyathelo sokuthi ungathola kanjani imalimboleko evikelwe yimoto ye-PTS yababolekayo

4. Ungayithola kanjani imalimboleko evikelwe yimoto PTS - izinyathelo eziyisihlanu eziyinhloko 📝

Inani lemalimboleko evikelwe yi-TCP linqunywa ngokuya ngezindleko zemoto, ezizonqunywa uchwepheshe njengomphumela wokuhlolwa. Ngakho-ke, ngaphambi kokuqhubeka nemalimboleko, kufanelekile ukuletha imoto esimweni esihle kakhulu.

Ukuze wenze lokhu, kufanelekile ukuyigeza, ukwenza ukuhlanza okuphelele ekamelweni, nokulungisa ukukhubazeka okuncane. Uma ukwazi ukufakazela umbolekisi ngokunemba nobucayi, ungathembela esimweni sokuthembeka ngokwengeziwe.

Ababoleki abangazi ukuthi baqale kuphi kufanele bafunde ngokucophelela imiyalo yesinyathelo ngesinyathelongezansi.

Isigaba 1. Ukukhetha umbolekisi nokugcwalisa isicelo

Lapho uthatha isinqumo sokuthi ungayithola kuphi imalimboleko evikelwe yi-PTS, kubalulekile ukuhlola isimo samanje. Kungcono ukuphendukela ebhange ukuthola usizo, ikakhulukazi ngoba emadolobheni amakhulu ngokwanele ungathola kalula okunikezwayo okunjalo.

Uma, nganoma yisiphi isizathu, kungenzeki ukuthi uthole imali mboleko ebhange, kufanele uhlole ngokucophelela idumela lalowo ongaba umbolekisi.

Uma uhlela ukuthola imalimboleko ku-MFI, kufanele uyihlole kuqala ubukhona kwirejista kungosi ye-Inthanethi yeBhange LaseRussia. Uma ingekho inhlangano yezezimali ezincane ohlwini olucacisiwe, akufanele uxhumane nayo.

Uma kwenziwa isinqumo sokuxhumana nendawo yokuthengisela impahla, kufanele uyihlole usebenzisa i- Iwebhusayithi ye-FTS... Okungcono futhi, funa izeluleko kubameli abangochwepheshe.

Namuhla, uma ufisa, unga-oda ku-inthanethi isheke eligcwele lomboleki ongaba khona.

Ukuqhathanisa izinhlangano ezikhipha imali evikelwe yi-PTS, kufanelekile ngokucophelela ukuhlaziya lezi zici ezilandelayo:

idatha yezezimali - izinkampani eziningi ezihloniphekile zithumela imininingwane enjalo emphakathini;
qhathanisa imiphumela usebenzisa izinsiza ezikhethekile ezikuvumela ukuthi ukhethe izinhlelo zemalimboleko ezihlangabezana nezimfuneko zomboleki;
ukuhlolwa kwama-ejensi wokulinganisa;
isikhathi sokusebenza emakethe yezezimali;
ukubuyekezwa kwamakhasimende esikhungweni sesikweletu.

Ungafaka isicelo namuhla hhayi ngokuxhumana kuphela ehhovisi lombolekisikodwa futhi nokuyivakashela indawo esemthethweni... Inketho ngayinye inezayo isithunzi futhi ukulinganiselwa.

Ngokuthumela isicelo nge-Intanethi, obolekayo ongahle asuse isidingo sokuchitha isikhathi ehamba futhi elinde kolayini. Kodwa-ke, kuvame ukuba wusizo ukuvakashela umbolekisi, ubheke ukubukeka kwendawo nehhovisi, futhi ukhulume nodokotela. Lokhu kuyiqiniso ikakhulukazi lapho uthatha isinqumo sokuboleka imali. ngezitolo zokuthenga futhi Ama-IFIs.

Isigaba 2. Ukuhlolwa kwezimoto

Ukuhlolwa kwemoto kuphoqelekile lapho unikeza imalimboleko etholwe yiyo. Kulokhu, kungcono ukuxhumana nochwepheshe abazimele (ngaphandle kokuthi, kunjalo, lokhu akuphikisani nezidingo zombolekisi).

Imvamisa, ama-appraiser asebenzela umbolekisi abukela phansi ngamabomu inani lemoto. Ngenxa yalokho, imoto ingahlolwa cishe Izikhathi eziphindwe kabili kunezangempela... Njengoba kunikezwe ukuthi imalimboleko ikhishwe cishe 60% kusukela kunani elilinganisiwe, uma kungenakwenzeka ukukhokha, umboleki uphucwa imoto, ethola inkokhelo encane kakhulu yalokhu.

I-appraiser ayinentshisekelo ekubukeni kwemoto kuphela, kodwa nasekusebenzeni kwayo kwezobuchwepheshe. Uma wonke amapharamitha ejwayelekile, ukuhlolwa akuvamile ukuthi kuthathe ngaphezu kwamahora ambalwa.

Isigaba 3. Ukulungiswa kwemibhalo nokusayina isivumelwano semalimboleko

Uhlu lwemibhalo edingekayo yokuthola imalimboleko evikelwe yi-PTS yehlukile ezinhlotsheni ezahlukahlukene zezinhlangano. Amabhange adinga iphakethe eliphelele kakhulu.

Ngokwesiko, imalimboleko evikelwe yi-PTS idinga imibhalo elandelayo:

Iphasiphothi yaseRussia;
incwadi yesibili;
ikhophi yencwadi yomsebenzi;
isitatimende semali engenayo;
PTS;
STS.

Amathuba esinqumo esihle azokuba ngaphezulu uma unikezela ngokungeziwe Umshuwalense weCASCO.

Lapho imibhalo inikezwa, isikhungo sezikweletu sizothatha isinqumo ngesicelo. Uma imalimboleko ivunyelwe, isinyathelo esilandelayo sizoba ukusayina isivumelwano semalimboleko. Okubalulekile funda lo mbhalo ngokucophelela bese uzama ukuqonda iphuzu ngalinye eliqukethe. Imvamisa, ababolekisi abangathembekile benza imali ngokunganaki kwababolekayo.

Ukunakekelwa okusondele kakhulu kufanele kubhekelwe ezigabeni ezilandelayo zesivumelwano:

inani lesilinganiso sangempela;
ubukhona bezinkokhelo ezahlukahlukene ezengeziwe namakhomishini;
usayizi nezizathu zokubala izinhlawulo;
kungenzeka kanye nemibandela yokukhokha ngaphambi kwesikhathi.

Ngaphezu kwesivumelwano semalimboleko, kuzofanele usayine isivumelwano sesibambiso... Ngasikhathi sinye, kubalulekile ukutadisha ukuthi yimaphi amalungelo nezibopho umboleki azitholayo ngokuya ngezivumelwano eziphothuliwe. Okubaluleke ngokulinganayo ukuthi umboleki angayisebenzisa kanjani imoto yakhe.

Isigaba 4. Ukuthola imali

Lapho ufaka isicelo semalimboleko ebhange imvamisa, imali ayikhishwa ngokheshi. Zisohlwini lwe Umphumela noma ikhadi lasebhange... Lapho usuqede inqubo, kufanelekile ukuhlola ibhalansi yekhadi noma ukucela idokhumenti eqinisekisa ukudluliswa. Inani elidlulisiwe kufanele lihambisane nalokho okukhonjiswe esivumelwaneni semalimboleko.

Ama-IFIs futhi kaningi bakhipha imali ngokudlulisa ngocingo. Izitolo kunalokho, bakhipha imali mboleko ngokheshi. Kepha bobabili nabanye kwesinye isikhathi bazijwayeza ukudlulisela inani lemalimboleko kumakhasimende ngezingxenye. Ukugwema izinkinga, kungcono ukungavumelani nezenzo ezinjalo.

Isigaba 5. Ukukhokhwa okugcwele kwemali mboleko nokubuyiselwa kwe-TCP

Lapho kusayinwa isivumelwano semalimboleko, amabhange nezinhlangano zezimali ezincane zikhipha obolekayo uhlelo lokukhokha... Kubalulekile ukuthobela imigomo namanani asungulwe yilo mbhalo. Uma ungakwenzi, kuzofanele ukhokhe inhlawulo... Ngaphezu kwalokho, lezo zenzo ziholela ezinkingeni ngomlando wesikweletu.

Kungcono uma umbolekisi enikeza obolekayo inombolo enkulu yezindlela zokukhokha imali ebolekiwe. Kulokhu, iklayenti linelungelo lokuzimela ngokuzimela elihlangabezana nezidingo zalo.

Abantu abaningi bayayethemba indlela yokukhokha yendabuko - ngo-cashier amagatsha esikhungo sesikweletu. Kulokhu, obolekayo uzokhishwa hlola, eqinisekisa idiphozi yezimali. Amakhasimende athuthuke kakhulu afuna ukonga isikhathi sabo, ngakho-ke bakhokha isikweletu nge-Intanethi.

Lapho inkokhelo yokugcina yenziwa kwimalimboleko, kuzodingeka uvakashele isikhungo sezikweletu futhi. Kulokhu, kuyadingeka ukuthi ususe okuhlanganayo emotweni bese ubuyisa i-TCP, ebithenjisiwe.

Ngokulandela imiyalo elula yesinyathelo ngesinyathelo, noma ngubani uzokwazi ukuthola imali mboleko evikelwe yi-PTS. Ngokulandelayo, into esemqoka ukuyikhokha ngokugcwele futhi ngaphandle kokubambezeleka. Le ndlela izosiza ukugwema izinkinga, kanye nokwakha umlando omuhle wesikweletu.

5. Yiliphi ibhange elinikeza imali mboleko evikelwe yi-PTS - TOP-4 amabhange athandwayo 💰

ERussia, izikhungo eziningi zezikweletu zikulungele ukukhipha imali ebolekwe yimoto. Kubo, ukutholakala kwesibambiso ezinhlelweni ezinjalo kuba yisiqinisekiso esengeziwe sokubuyiselwa imali.

Obolekayo kumele aqondeukuthi kuye imalimboleko evikelwe yimoto akuyona indlela ephephe kakhulu. Uma kuba nezinkinga ezinkulu zezezimali, ungalahlekelwa kalula yimoto yakho. Ngakho-ke, uma udinga imali kufika kuma-ruble angama-750,000 kufanele ucabangele izinketho zemalimboleko ngaphandle ukuvikela.

Uma izimali zidingeka isikhathi esifushane, ungazama ukukhipha ikhadi lesikweletu... Lo mkhiqizo ulula ngoba amabhange amaningi anamuhla ahlinzeka Isikhathi somusa... Kuqondwa njengesikhathi lapho ungabuyisa khona isikweletu ngaphandle kwenzalo.

Kunoma ikuphi, ukukhetha ibhange kuyisinyathelo esibucayi esidinga utshalomali olubalulekile lwesikhathi nomzamo. Njengoba udinga ukukhetha ibhange, ubale izinkokhelo nenzalo yemalimboleko. Kulokhu, isibali sokubala semalimboleko online sizosiza ekubaleni:

Ukwenza lula umsebenzi wokufaka isicelo semalimboleko kwisibambiso se-PTS, ochwepheshe bahlala benza izilinganiso zababolekisi. Ngezansi kwe- uhlu Amabhange ama-4 ngemibandela yesikweletu evumayo kakhulu.

1) I-VTB Bank yaseMoscow

Leli bhange lithembisa ukuthola imalimboleko yezidingo eziphuthumayo ngezinga kusukela 13.9% minyaka yonke. Inani eliphakeme ngu- 3 000 000 ama-ruble... Abahola impesheni kanye nabasebenzi bakahulumeni bangathembela ezimweni ezikahle kakhulu.

Ukuthola imalimboleko ku-VTB Bank yaseMoscow, vele ugcwalise isicelo kuwebhusayithi. Isinqumo sizothathwa kungakapheli ikota yehora. Uma kukuhle, kuzosala ukuvakashela ihhovisi nemibhalo yoqobo, benze isivumelwano semalimboleko futhi bathole imali.

2) I-Alfa-Bank

Kunenombolo enkulu yezinhlelo zemalimboleko ezenzelwe noma yisiphi isidingo. Ungaboleka kuleli bhange kusuka 300 000 ngaphambi 1 000 000 ama-ruble.

Uma uthatha isinqumo sokusebenzisa ikhadi lesikweletu, ungathembela esikhathini somusa sesikhathi esiphezulu - 100 izinsuku... Izimo ezinhle kakhulu zesikweletu ebhange zinikezwa amaklayenti athola amaholo emakhadini awo.

3) I-Sovcombank

Ku-Sovcombank, ungathola izimali ezidingekayo zombili ngaphandle kwesibambiso nasekuvikelekeni kwemoto.

Uma izimali ezitholwe ngesikweletu zihlelelwe ukuthi zisetshenziselwe ukuthenga imoto entsha, ungasebenzisa uhlelo oluyingqayizivele - imalimboleko yokuthenga imoto entsha evikelwe yilena ekhona. Ngalolu hlelo ungathola ngaphambi 1 000 000 ama-ruble ngaphansi 17% minyaka yonke. Imali kuzofanele ibuyiselwe ngaphakathi 60 izinyanga.

Izidingo zeSovcombank zemoto ethenjisiwe:

ukusebenziseka;
akukho ukugoqa;
ubudala abudluli 19 iminyaka.

Izidingo zomboleki esikhungweni sesikweletu kungokwesiko. Okuwukuphela kwalokho ukuthi kuzofanele unikeze inombolo yocingo yasendlini noma yasemsebenzini.

4) Isikweletu se-Renaissance

Lapha ukunikela 4 izinhlelo ezinkulu zokubolekisa... Isikhathi sokubuyiselwa kwemali mboleko yemali sifinyelela 3 iminyaka. Izinga lisethwe ngakunye, ubukhulu baso bungu- 13,9% minyaka yonke.

Kumakhasimende ajwayelekile, abahola impesheni, kanye nalabo abanikeze amanye amadokhumende, ibhange lizonikeza imigomo yesikweletu evumayo.

Ngokushesha ngangokunokwenzeka, ungathola ikhadi lesikweletu, umkhawulo walo ofinyelela 200 000 ama-ruble... Izinga lesisekelo lalo mkhiqizo lisethwe ku- 24,99% minyaka yonke. Ngasikhathi sinye, kunesikhathi somusa ongenanzalo esilingana ne- 50 izinsuku.

Ukwenza kube lula ukuqhathanisa amabhange acatshangelwe, izici eziyinhloko zemikhiqizo yazo yemalimboleko zetafula.

Ithebula lokuqhathanisa lamabhange nezimo zawo zokubolekisa:

№	Inhlangano yezikweletu	Inani eliphakeme lemalimboleko	Izinga lemali mboleko	Ama-nuances abolekisayo
1	*I-VTB Bank yaseMoscow*	3 million ruble	13.9% ngonyaka	Amagama akhethwa ngabasebenzi bakahulumeni kanye nabahola impesheni
2	*I-Alfa Bank*	Ama-ruble ayisigidi nge-credit card; Ama-ruble ayizigidi ezi-5 zokubolekwa kwemali	Ngekhadi - 24.9% ngonyaka; Imalimboleko yabathengi - 11.99%	Isikhathi somusa esiphezulu siyizinsuku eziyi-100
3	*Sovcombank*	1 ruble ayisigidi	17% ngonyaka	Kunohlelo lwemalimboleko lokuthengwa kwemoto entsha evikelwe endala
4	*Isikweletu se-Renaissance*	Izinkulungwane ezingama-200 ngekhadi lesikweletu; Izinkulungwane ezingama-700 zemalimboleko yemali	13.9% ngonyaka kwimalimboleko yabathengi kumakhasimende ajwayelekile; 24.9% - ngekhadi lesikweletu	Amagama akhethwayo amaklayenti emiholo

Ngale ndlela, sabhala nokuthi yimaphi amabhange anikeza imali mboleko enomlando wesikweletu esibi nokubambezeleka kokunye kokushicilelwa kwethu kwangaphambilini.

6. Kukuziphi izimo lapho benqatshwa ukuthola imalimboleko evikelwe yi-PTS - 3 izimo ezivamile 📛

Izinhlangano zezikweletu azikaze zihlukane nemali yazo kalula. Badinga iziqinisekiso eziphezulu zokuthi isikweletu sizobuyiselwa. Lapho wenza imalimboleko evikelwe yi-PTS, iziqinisekiso ezinjalo imoto... Umbolekisi udinga ukuthi ibe uketshezi. Lokhu kusho ukuthi imoto kufanele ithengiswe kalula emakethe uma imali engakhokhiwe ingakhokhiwe.

Cabanga, isibonelo, izimo okuzoholela kuzo ukwenqatshwa ekukhipheni imali mboleko evikelwe yi-PTS.

Isimo 1. Imoto ibheyili noma iboshiwe

Ibhange alisoze lamukela njengesibambiso imoto eboshwe yinoma yiziphi iziphathimandla noma esivele ithenjisiwe.

Uma imoto yathengwa ngaphansi kohlelo lwemalimboleko yezimoto, futhi obolekayo engakasikhokhi isikweletu, naso ngeke samukelwe njengesibambiso.

Isimo 2. Imoto ayisebenzi kahle

Vele, ungathengisa imoto enamaphutha, kepha ingoma kuphela. Yingakho imoto enjalo ingeke yamukelwe njengesibambiso.

Ngokuvamile lapho ufaka isicelo semalimboleko evikelwe yimoto, amabhange abeka izidingo ezibucayi kwisibambiso. Lokhu akusebenzi kuphela ekusebenzeni, kepha nakubudala bemoto. Kuyiqiniso, izidingo zezikhungo zezikweletu zehlukile.

Isimo 3. Imoto akuyona eyomfakisicelo ngokobunikazi

Uma umuntu obolekayo enganikela ngemoto njengesibambiso, ayisebenzisa ngaphansi kwegunya lommeli ngaphandle kokubhalisa kabusha ubunikazi, uzonqatshelwa imali mboleko.

Noma kunjalo, amanye ama-pawnshops enza okuhlukile. Isibonelo, uma kunamandla amakhulu abameli noma imvume evela kumnikazi, imalimboleko ingakhishwa.

Ukwazi izimo ezingaholela ekwenqabelweni kwesicelo semalimboleko evikelwe yi-TCP, ungathatha izinyathelo zokuziqeda. Lokhu kwandisa amathuba okuvunywa kwemali mboleko.

7. Ungazinciphisa kanjani izingozi lapho ufaka isicelo semalimboleko (isikweletu) esivikelwe yi-TCP - amathiphu amathathu awusizo

Lapho wenza imalimboleko evikelwe yi-PTS, kunezingozi:

ulahlekelwe imoto yakho;
ube yisisulu sabakhwabanisi;
khokha imali eningi kakhulu kwimalimboleko.

Ukugwema izinkinga ezinjalo, kufanele ulalele izeluleko zochwepheshe.

Amathiphu namasu okunciphisa izingozi lapho uthola imalimboleko yesibambiso (imalimboleko) yesibambiso sephansi

Ithiphu 1. Kufanele ubambisane nabakweletisi abathembekile kuphela

Emadolobheni amakhulu ukukhetha kwababolekisi kukhulu impela. Umuntu kufanele akuthathe ngokungathi sína ukuhlaziywa kwabo nokuqhathanisa kwabo.

Abahlali bezindawo ezincane imvamisa akukho lutho ongakhetha kulo. Bangalulekwa ukuthi baxhumane nababolekisi abasebenza ezifundeni nasezifundeni.

Ithiphu 2. Inkontileka kufanele ihlolwe nommeli ngaphambi kokusayina

Isivumelwano semalimboleko singaqukatha inani elikhulu lezingibe kanye nezingibe. Ukuze ungangeni esimweni esingemnandi, kufanelekile ukuxhumana nommeli oqeqeshiwe mayelana nesivumelwano esizosayinwa.

Okubalulekile! Namuhla, usizo lwezomthetho lungatholakala ukude kusetshenziswa izinsiza ezikhethekile ze-Intanethi. Ochwepheshe bazodonsela ukunaka komboleki ezigabeni ezingabazekayo zesivumelwano, futhi baphinde bahlole isimo sezomthetho sesikhungo sezikweletu.

Ithiphu 3. Kubalulekile ukuthi kuqinisekiswe ukuthi inkontileka ifaka phakathi ukuthi kungenzeka yengezwe isikhathi eside

Isivumelwano semalimboleko se-MFO imvamisa iqukethe isigatshana sokuthi kungenzeka sandiswe. Izinkampani ezinjalo zijabula kuphela uma isikhathi semalimboleko sanda. Lokhu kungenxa yokukhula kwemali abayitholayo ezimweni ezinjalo.

Isivumelwano sasebhange kuyaqabukela inekhono lokuyelula. Kodwa-ke, kulula kakhulu ukuxoxisana nalezi zikhungo zezikweletu. Benza ngokuzithandela imvume kubabolekisi, bevuma amaholidi esikweletu futhi ukuhlela kabusha.

Ukuhambisana nemithetho elula echazwe ngenhla kuvumela obolekayo ukuthi agweme izinkinga ezinkulu, kanti kunciphisa ubungozi.

8. FAQ - Imibuzo Ebuzwa Njalo 🔔

Imalimboleko noma imalimboleko evikelwe yi-PTS iyinsizakalo efunwayo, kepha ayithandwa kakhulu. Lesi simo sezindaba siphakamisa imibuzo eminingi. Ukuze ungachithi isikhathi usesha, iqembu le-Ideas for Life lizozama ukuphendula okuthandwa kakhulu kubo.

Umbuzo 1. Kungenzeka yini ukuthatha imali ebolekwe yi-PTS ebhange ngaphandle kwesitifiketi semali engenayo?

Amabhange amaningi adinga ababoleki, lapho befaka isicelo semalimboleko evikelwe yi-PTS, imibhalo eqinisekisa inani lemali engenayo. Noma kunjalo, ungakugwema ukuhlinzeka ngezitifiketi ezinjalo.

Imvamisa, kungenzeka ngaphandle kwesitatimende semali engenayo ezimweni ezilandelayo:

ngomlando wesikweletu ohlanzekile;
uma uthinta ibhange lapho kudluliswa khona umholo;
uma imoto ibiza kakhulu kunenani elidingwa umboleki.

Umbuzo 2. Ngubani ongathola imali mboleko (isikweletu) engukheshi evikelwe yi-PTS ubusuku nemini?

Bangakwazi ukuhlinzeka ngemali ubusuku nemini evikelwe yi-PTS abatshalizimali abazimele... Ungabathola nge-Intanethi - kuzindawo ezikhethekile, futhi ezinkundleni zokuxhumana.

Kuyafaneleka ukucatshangelwa! Kungcono ukuthatha oxhumana nabo bababolekisi abazimele emithonjeni ekhethekile. Abanikazi babo bavame ukubheka imininingwane evezwe kuzikhangiso.

Kumasayithi anjalo ungathola hhayi kuphela oxhumana nabo bombolekisi, kodwa futhi nabakhe isilinganiso... Ukuhlola kusekelwe emiphumeleni yokubambisana kombolekisi nababolekisi besikhathi esedlule. Futhi lapha ungathola ukubuyekezwa amaklayenti.

Ngaphezu kwabatshalizimali abazimele, imali mboleko nayo ikhishwa ubusuku nemini ngabathile izitolo zokuthengisela futhi izinhlangano zezimali ezincane... Ungabathola kwi-Intanethi. Kuliqiniso, emadolobheni amancane ukukhetha kwababolekisi abanjalo kuvame ukuba kuncane. Sabhala ukuthi singaboleka kanjani futhi kuphi ekhadini ngokushesha ubusuku nemini ngaphandle kokwala kwenye yezincwadi zethu zangaphambilini.

Noma ngubani angabhekana nobunzima bezezimali. Indlela elula yokuzixazulula kulabo abanempahla. Akudingekile ukuthi uthengise imoto ngokushesha. Kwanele ukusebenzisa imalimboleko evikelwe yi-TCP... Uma ukwazile ukuyibuyisa ngesikhathi, ungazigcinela imoto yakho, uyisebenzisele isikhathi sonke semalimboleko.

Ekuphetheni, sikukwazisa ukuthi ubuke ividiyo yokuthi ungazithatha kanjani kahle izimali mboleko (amakhredithi) avikelwe yimoto iPTS (iseluleko sezomthetho):

Konke lokho okwethu. Sifisela abafundi bephephabhuku lezezimali i-Ideas for Life ukuthi bangabhekani nobunzima bemali, futhi uma kuvela, babaxazulule ngokukhokha okuncane kakhulu nokusebenza kahle okukhulu.

Uma usenemibuzo ngesihloko sendatshana, bese ubabuza kumazwana angezansi. Sizobonga kakhulu uma ulinganisa izinto zethu futhi wabelana ngemibono kanye namazwana akho ngalesi sihloko.