Ama-microloans aku-inthanethi ekhadini - imiyalo yokuthi ungayithatha kanjani i-microloan ngemizuzu engu-5 ngaphandle kokubheka umlando wakho wesikweletu + izinkampani ze-TOP-7 ngokunikeza ama-microloans aphuthumayo ngaphandle kokwala

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Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Namuhla sizokutshela ukuthi ungayithola kuphi futhi kanjani i-microloan ephuthumayo ekhadini eliku-inthanethi ngaphandle kokubheka umlando wakho wesikweletu futhi ngaphandle kokwala ngemizuzu engu-5-15.

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

Ngemuva kokufunda incwadi ethunyelwe, uzofunda:

Kungenzeka yini ukuthola i-microloan online uma isithunzi somboleki sonakele;
Iyiphi inqubo yokunikeza i-microloan esheshayo ekhadini ngaphandle kokwala nokuqinisekiswa kwe-CI;
Uhlu lwama-MFOs lapho ama-microloans akhishwa khona ngemizuzu engu-5, noma ngabe kunezinkinga ngomlando wesikweletu;
Yiziphi izinyathelo okufanele zithathwe ukuthatha i-microloan ngokushesha nge-Intanethi;
Ungasifaka kanjani kahle isicelo se-microloan online.

Ngaphezu kwalokho, ekugcineni kwendatshana, sinikeza izimpendulo zemibuzo ebuzwa njalo.

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.

Ungayithatha kanjani i-microloan ngokuphuthumayo ekhadini eliku-inthanethi nokuthi yiziphi izinkampani ezikhipha ama-microloans ngokushesha ngaphandle kokwenqaba nokubheka umlando wesikweletu nge-Intanethi - funda kulo magazini

1. Ngingayithola i-microloan enomlando omubi wesikweletu nokubambezeleka? 📉

Imvamisa kubantu ngokuzumayo kunesidingo semali. Ngasikhathi sinye, umholo usengaba kude, futhi izihlobo nabangane abahlali benemali edingekayo ngaso sonke isikhathi. Esimweni esinjalo, indlela enhle kakhulu yokuxazulula inkinga ingaba izimalimboleko ezivela ezinhlanganweni zezimali ezincane (MFO)... Kundatshana ehlukile, siphinde sabhala mayelana nokuthi singayithathaphi imali uma wonke amabhange namakhemikhali amancane enqaba.

Ukubhekana nabakweletwayo - amabhange futhi Ama-IFIs ishiya uphawu emlandweni wesikweletu walowo obolekayo. Uma ulandela ngokuqinile izibopho zakho, ukhokha ngesikhathi, ungathembela ekuvunyelweni lapho uthola imalimboleko kabusha, kanye nemibandela evumayo.

Ngesikhathi esifanayo, okuphambene kuyiqiniso. Lokho wukuthi, ukukhokha sekwedlule isikhathi kwemali mboleko, kanye nokwenqaba ukufeza izibopho ezicatshangelwayo, konakalisa idumela lalowo obolekayo. Ngemuva kwalokho, ukuthola imali mboleko kuzoba nzima kakhulu.

Kuyavela lokho umlando wesikweletu yinkomba ekhombisa idumela lalowo obolekayo. Kukuye lapho amabhange nabanye ababolekisi baqondiswa lapho becubungula izicelo ezifakiwe zokwamukela izimali.

kodwa isithunzi esonakele ayideli amathuba okuboleka imali. Imakethe yezinsizakalo zezezimali incintisana kakhulu. Emzabalazweni wamakhasimende, abanye ababolekisi abenqabe ukusebenzisana nababolekisi ngisho uma bekhokha sekwedlule isikhathi.

Izinkinga zokuthola ama-microloans esimweni somlando wesikweletu owonakele ngokuvamile aziveli uma kwenzeka lezi zimo ezilandelayo.

Ake sizibhale:

ukubambezeleka bekukufushane;
lapho ufaka isicelo, asikho isikweletu samanje;
ukubambezeleka kwenzeke ngenxa yezizathu ezizwakalayo.

Noma ezimeni ezibucayi ezinedumela, akufanele ucabange ukuthi nakanjani ngeke ukwazi ukuthola imali mboleko. Kungenzeka ukuthi kuzokwazi ukuboleka imali, kepha inani eliphakeme lemalimboleko lizoncishiswa.

Ngakho-ke, kungaziwa ukuthi Ama-IFIs bavame ukungakuboni ubukhona bezinkinga emlandweni wesikweletu. Lokhu kuchazwa kalula - microloans zibonakala ngamanani aphakeme kakhulu.

Leli phesenti lifaka phakathi kokunye, ingozi yokungabuyi izimali ezikhishwe ngumboleki. Ngakho-ke, ukukhishwa kwemali mboleko, ngisho nakulabo abanezinkinga ngedumela labo lesikweletu, akubangeli umonakalo omkhulu enhlokodolobha yenkampani.

Imvamisa, ababolekayo bangathunyelwa ezinkampanini ezinjalo lapho amabhange nabanye ababolekisi sebenqabile ukubaboleka imali.

Izici nenqubo yokukhipha ama-microloans asheshayo online ngaphandle kokwala futhi ngaphandle kokubheka umlando wesikweletu (i-CI)

2. Ama-microloans asheshayo online ekhadini ngaphandle kokwala futhi ngaphandle kokuqinisekisa 💳 - izici nenqubo yokuthola

Ngoba Ama-IFIs ngiyavuma ukukhipha imalimboleko noma ngabe kunezinkinga ngedumela labo lesikweletu, kulapho labo ngokuphuthumayo imali edingekayo.

Inzuzo yokuboleka ngale ndlela elandelayo:

ngokungafani nokubolekwa kwemali yasebhange, awudingi ukuqoqa isethi enkulu yemibhalo;
inqubo yokufaka isicelo ilula ngangokunokwenzeka;
isinqumo sithathwa ngokushesha okukhulu.

Ngaphezu kwalokho, kuthandwa ikakhulukazi ikhono lokukhipha ama-microloans online... Kulokhu, awudingi ukushiya ikhaya lakho noma ihhovisi ukuze uthole imali.

Kwanele ukuhambisa isicelo futhi, uma samukelwa, linda ukuthola imali ekhadini lasebhange emizuzwini embalwa... Inani lesikweletu lizohlukaniswa libe izinkokhelo eziningana okuzodingeka zenziwe njalo ngenyanga.

Izici zokuthola imali mboleko esheshayo ekhadini nge-Intanethi:

Okokuqala, umuntu kufanele bhekisisa ukutholakala kwekhadi lasebhange. Namuhla, cishe wonke umuntu unazo; uma ungekho, ungafaka isicelo sokubhaliswa kunoma yiliphi ibhange. Ngokufanelekile, ikhadi kufanele libe elisohlelweni lokukhokha lomhlaba wonke - I-Visa noma I-MasterCard... Kulokhu, izimali zizofakwa khona manjalo. Ngaphezu kwalokho, ikhadi kufanele kube ngumuntu siqu, futhi unezimfanelo ezidingekayo ekusebenzisaneni okuku-inthanethi - inyanga nonyaka wokuphelelwa yisikhathi ngaphambili, kanye nekhodi ye-CVC (amadijithi ama-3) ngemuva.
Igama lokucatshangelwa kwesicelo liyimizuzu eminingana, imvamisa alikho ngaphezu kwekota yehora. Okokuqala, lokhu kungachazwa ngokungabikho kokucaciswa nokuhlaziywa komlando wesikweletu. Ngaphezu kwalokho, imvamisa ama-MFIs akhipha imali mboleko ekusetshenzisweni kwe-Intanethi amasistimu wokuhlola othomathikhi... Kulokhu, obolekayo uzosithola isinqumo ngemuva kwemizuzu embalwa ngemuva kokuthumela isicelo.
Isimo kuphela ukuba khona kwe-Intanethi. Ukuboleka imali ku-inthanethi, asikho isidingo sokuya ehhovisi lesikhungo esibolekisa ngemali. Imvamisa, kunamagatsha e-MFO emadolobheni amakhulu kuphela. Noma imuphi umRussia, kungakhathalekile ukuthi uhlala kuphi, angathola imalimboleko encane ku-inthanethi ngokushesha ekhadini.
Amathuba okulahlwa lapho ufaka isicelo ku-MFI mancane. Inhloso yezinkampani ezinjalo ukukhipha imali mboleko wonke umuntu ngaphandle kokukhetha... Abanalo ikhono lokuhlola ngokushesha umlando wabo wesikweletu, ngakho-ke ngisho nomuntu onegama elibi kakhulu angathola imalimboleko.

Ngemuva kokuthola imvume, inqubo yokwenziwa kwemali mboleko ephuthumayo online ekhadini lasebhange yenziwa.

Kubandakanya izigaba ezimbalwa:

Ukuhlola ikhadi lasebhange ukuthi liyahambisana yini nemibandela yokukhipha imalimboleko. Sivele sikhulume ngeqiniso lokuthi kufanele lenziwe ngezifiso futhi libe ngolunye lwezinhlelo zomhlaba wonke. Futhi, amanye ama-MFIs abeka uhlobo lwekhadi lasebhange abakhipha imali mboleko kulo. Amamephu akhona ukudonswa kwemali (bagcina imali yomnikazi), isikweletu (kuhloselwe ukuboleka imali), umholo (umholo womqashi ufakwa kubo). Uma, ngaphansi kwemigomo ye-microloan, kungenakwenzeka ukukhipha imali ekhadini leklayenti, kuzofanele uvule entsha.
I-MFI ihlola ikhadi lasebhange. Ukuze wenze lokhu, ngemuva kokufaka idatha yayo ezindaweni ezifanele ekhadini, inani elincane lemali liyavinjelwa (imvamisa akusekho 10 ama-ruble). Iklayenti lizothola ama-sms mayelana nalokhu kusebenza, okukhombisa inani eliqondile lezimali ezivinjiwe. Leli nani kufanele lifakwe kuwebhusayithi ye-MFI.
Uma isiqinisekiso sidlula ngaphandle kwezinkinga esinyathelweni esedlule, Izimali ezibolekiwe zifakwa ekhadini lasebhange.

3. Ungakutholaphi masinyane i-microloan ekhadini ngaphandle kokwenqatshwa okunomlando omubi wesikweletu emizuzwini emi-5 - ukubuka konke kwama-TOP-7 MFOs 📊

Namuhla kwi-Intanethi ungathola inani elikhulu lokunikezwa kokukhishwa kwemali mboleko esheshayo. Esimweni esinjalo, ungadideka kalula, futhi ukuthola i-MFI eqinisekisiwe ukuboleka imali kungathatha isikhathi esiningi.

Ngakho-ke ngezansi kunikezwe isilinganiso 7 izinkampaniabadweba ama-microloans asheshayo, cishe anqabe muntu.

Ukuze kube lula ukuqonda, izici eziyinhloko ze-MFOs ziboniswa etafuleni:

№	Igama le-MFO	Inani eliphakeme lemalimboleko	Amaphesenti ngosuku	Ezinye izimo ezibalulekile
1.	ImaliMan	Ama-ruble angu-50 000	1,8%	Isikhathi esiphezulu semalimboleko izinsuku eziyi-126 Kungenzeka sandiswe isikhathi esiyisonto eli-1 kuye kwayi-4
2.	Imali Yasekhaya	Ngokokuqala ngqa kufika kuma-ruble ayizinkulungwane ezingama-30, kamuva - kuze kube yizinkulungwane ezingama-50	2,59%	Ukwenqaba ukukhipha i-microcredit kwenzeka ngaphandle kokuchaza izizathu zokuthi Imalimboleko ingafakwa ekhadini lasebhange, i-QIWI, iWebMoney, i-Yandex Money
3.	IVivus	Ama-ruble ayi-15,000	1-1,5%	Iminyaka yobolekayo kusuka eminyakeni engu-18 kuye kwengu-70 Imalimboleko ingakhishwa uma kungekho ndawo esemthethweni yokusebenza Ithuba lokwelula isikhathi ngokukhokha inzalo
4.	SmartCredit	Ama-ruble ayizinkulungwane ezi-2 - 8 kumakhasimende ajwayelekile - kufika kuma-ruble ayizinkulungwane ezingama-200	Ngemalimboleko yokuqala engu-1.9%, yemalimboleko elandelayo - 1.6-1.8%	Imalimboleko ikhishwa lapho ifinyelela eminyakeni engama-21
5.	Imalimboleko yeTurbo	Ekufoneni kokuqala - ama-ruble ayi-5 000 Ngokuqhubekayo - kufika kuma-ruble ayi-15,000	2,2%	Isikhathi semali mboleko izinsuku eziyi-7-30 ngokunwetshwa okungenzeka Ungathola imali ngokheshi, ekhadini, ngama-e-wallets
6.	INano-Ezezimali	Ama-ruble angu-50 000	Kusuka ku-0.5% ngosuku	Abafundi, abahola impesheni, abantu abangasebenzi bangathola imali mboleko Isikhathi esiphezulu - amasonto angama-26 Ungathola imali mboleko kusukela eminyakeni engu-22
7.	Imalimboleko Yesikweletu	Ama-ruble ayizinkulungwane ezingama-35.	I-2.34% ngosuku, kumakhasimende ajwayelekile incipha iye ku-0.8%	Ukucutshungulwa okuzenzakalelayo kwezicelo zeminyaka ebolekayo kusuka eminyakeni engama-23

Ngale ndlela, amabhange onikela ngezimalimboleko ezinomlando omubi wesikweletu nokubambezeleka, bona enye yezincwadi zethu.

Imiyalo yesinyathelo ngesinyathelo yokuthi ungayithatha kanjani ngokuphuthumayo i-microloan online ekhadini lasebhange ngaphandle kokwala

4. Ungayithatha kanjani i-microloan online ekhadini lasebhange ngokuphuthumayo nangokwenqaba ngaphandle - 5 izinyathelo ezilula 📝

Ungathola imalimboleko ku-MFI kungakapheli imizuzu embalwa. Kwalokhu HHAYI kuze kudingeke uphume endlini, uye ehhovisi lombolekisi ume kulayini. Ukuthola imali kwanele ukuba nakho ikhadi lasebhange futhi cishe isigamu sehora isikhathi esikhululekile. Kwesinye sezihloko zikamagazini wethu, sibuye sabhala nangendlela yokukhipha imali mboleko yabathengi ngenzalo ephansi - funda kabanzi ngalokhu kusixhumanisi.

Inqubo yokuthola imali mboleko ilula kakhulu, kuthatha izinyathelo ezimbalwa kuphela. Imiyalo eningiliziwe yalabo abafaka izicelo zemalimboleko okokuqala yethulwe ngezansi.

Isinyathelo 1. Ukuthola ikhadi lasebhange

Kuzoba lula kakhulu ukuthola i-microloan uma umfakisicelo enekhadi lasebhange. Iningi lezikhungo zemali ezincane ziyavuma ukudlulisela izimali kunoma yiluphi uhlobo lwekhadi.

Noma kunjalo, abanye babo bamukela kuphela amakhadi athile. Ngakho-ke, kubalulekile ukuqonda ukuthi yiliphi ikhadi eselivele likhona nokuthi ngabe kufanele yini ukuxhumana nebhange ukuthola okusha.

Kunezinhlobo ezintathu zamakhadi:

ukudonswa kwemali kuhloswe ukugcina izimali zamakhasimende;
amakhadi esikweletu esetshenziselwa ukukhishwa kwemali mboleko yibhange;
umholo - kukhishwa ngaphakathi kohlaka lwephrojekthi yeholo kubasebenzi bezinkampani abenze isivumelwano esifanele nenhlangano yasebhange.

Uma umboleki wesikhathi esizayo engekho ikhadi lasebhange noma uhlobo lwalo ayihlangabezani nemibandela ekhipha imali mboleko kuma-MFOs, kuzofanele uyikhiphe. Ukwenza lokhu, akudingekile ukuya egatsheni lasebhange, ngoba izinhlangano eziningi zezikweletu namuhla zinikela khipha ikhadi online.

Ukwenza lokhu, kwanele ukuthola ibhange elifanele, Gcwalisa uhlu lwemibuzo... Ngemuva kokuyithumela, omele ibhange uthinta iklayenti. Udinga ukwaziswa lapho isithunywa kufanele silethe khona ikhadi nenkontileka.

Noma ezimeni lapho kukhishwa khona ikhadi lesikweletu elijwayelekile, kufanele funda ngokucophelela inkontileka... Ngemuva kokuyifunda, ungasayina isivumelwano. Funda ngokuthi ungalithola kanjani ikhadi lasebhange elinensiza yamahhala online ku-athikili ehlukile kumagazini wethu.

Kulokhu, kufanele futhi uhlole ngokucophelela idatha efakwe yibhange embhalweni. Ngemuva kwalokho, ikhuriya lizoshiya iklayenti ikhadi lasebhange nekhophi eyodwa yesivumelwano, lizozithathela idokhumenti yesibili.

Lapho ukhipha ikhadi lasebhange, kufanele uzijwayeze ngemali ekhokhwayo yesevisi yayo. Okokuqala, kufanele kucaciswe ukuthi ikhona yini imali yokuphathwa kwe-akhawuntikukhokhiswa kangaki nokuthi kubiza malini.

Kuzoba wusizo futhi ukuthola mayelana nemibandela yokukhipha imali - lapho ama-ATM ongakwenza khona ngaphandle kwekhomishini, nokuthi ngabe aseduze yini. Akunakwenzeka ukuthi noma ngubani angathanda ukukhokha iphesenti elibalulekile lokuzikhipha noma aye komunye umkhawulo wedolobha ukuze athole imali.

Isinyathelo 2. Ukukhetha inhlangano yezimali ezincane

Ukukhethwa kwe-MFO lapho imalimboleko izokhishelwa khona kufanele kubhekwane nakho esiphezulu umthwalo.

Ukuthandwa kwalolu hlobo lokubolekisa kuholele ekutheni namuhla emakethe yezinsizakalo zezezimali inani labakhwabanisi likhule kakhulu... Bazidonsela amaklayenti ngokwethembisa imigomo yemalimboleko ekhangayo. Ngemuva kwalokho, obolekayo ufunda ukuthi imingcele yemalimboleko incane kakhulu kunalokho athenjiswa.

Ukuze ungabi yisisulu sabakhwabanisi futhi ungazenzeli izinkinga, lapho ukhetha i-MFI, kufanele ulandele imithetho embalwa elula:

funda ngokucophelela okunikezwayo emakethe;
sebenzisana kuphela nezinkampani ezaziwayo esezinesikhathi eside zisebenza;
funda ngokucophelela isivumelwano ngaphambi kokusisayina, unake kakhulu ubukhona bamakhomishini wemalimboleko;
lapho ukhetha i-MFO, kufanele ubonisane nezihlobo zakho nabangane asebevele bakhipha ama-microloan;
cwaninga ulwazi olwethulwe kwizithangami ze-thematic, kanye nokubuyekezwa kwezinkampani ezincane.

Ngendlela, amabhange nabantu ngabanye bavame ukuzibandakanya ekukhipheni ama-microloans. Kepha lapho uthinta ibhange, ukuthola isinqumo esihle ngohlelo kungaba nzima. Uma kwenziwa isinqumo sokuboleka abantu, amathuba okukhubeka kubakhwabanisi andiswa kakhulu.

Isinyathelo 3. Ukugcwalisa uhlu lwemibuzo

Lapho kukhethwa i-MFO, ungaya kuwebhusayithi yayo bese uqala ukugcwalisa imibuzo yemibuzo... Kwezinye izimo, udinga ukubhalisa kuqala.

Kulesi sigaba, uzodinga ukungena Idatha yomuntu obolekayo... Okokuqala kunakho konke isibongo, igama nesibizo, imininingwane yepasipoti... Amanye ama-MFIs nawo adinga imininingwane mayelana nendawo yokusebenza, abantu ongathintana nabo. Kwesinye isikhathi, vele kulesi sinyathelo, kufanele ukhombise inombolo yekhadi lasebhange.

Imfuneko yokukhipha imalimboleko yile ukutholakala komakhalekhukhwini ovumelekile... Inombolo yayo nayo izodinga ukufakwa kuhlelo lokusebenza.

Abaningi bayesaba ukufaka imininingwane yabo kwi-Intanethi, besaba ukuthi izosetshenziselwa izinhloso zobugebengu. Ukugwema lokhu, kufanele ukhethe ababolekisi abathembekile. Kulokhu, ungaqiniseka ukuthi imigomo yokubambisana ngeke yephulwe futhi nemininingwane ngeke iye kubantu besithathu.

Isinyathelo 4. Ukuqinisekiswa kwesicelo

Ngemuva kokugcwalisa isicelo semalimboleko bese usithumela, kuzothunyelwa umyalezo kule nombolo yeselula ebekiwe. Ikhodi ekhonjiswe kuyo kufanele ifakwe enkambu efanele.

Obolekayo kumele aqonde ukuthi lapho efaka isicelo semalimboleko nge-Intanethi Ikhodi ye-SMS lilingana nesiginesha ebhalwe ngesandla. Ukuyifaka ezinkambu ezifanele kuqinisekisa isivumelwano seklayenti nemigomo yokuboleka.

Isinyathelo 5. Ukucutshungulwa kwemali mboleko

Uma isinqumo esihle senziwa esicelweni somboleki, emizuzwini embalwa sizotholakala kuye isivumelwano semalimboleko.

Amanye ama-MFIs ayithumela nge-imeyili, kwabanye - idokhumenti ingatholakala ku-akhawunti yakho yomuntu siqu... Isivumelwano sizochaza ngokuningiliziwe yonke imibandela yemalimboleko etholakele, kufaka phakathi isilinganiso kanye nesikhathi.

Ngemuva kwemizuzu embalwa kuthunyelwe isivumelwano, izimali zidluliselwa ekhadini lasebhange. Uma ikhadi lingesinye sezinhlelo zomhlaba wonke, ukubhaliswa kwenzeka ngokushesha.

Ngakho-ke, inqubo yokufaka isicelo se-microloan nge-Intanethi ilula. Akuthathi isikhathi eside, cishe ngokwanele 15 imizuzu yokuthi imali ifakwe ekhadini.

5. Ungasigcwalisa kanjani ngokufanele isicelo se-inthanethi se-microloan nge-Intanethi - imithetho nezincomo ezibalulekile 📋

Abantu abaningi babheka ama-microloans indlela engcono yokuphuma esimweni esinzima lapho bedinga imali encane ngokushesha isikhashana.

Kunezinzuzo eziningi zama-microloans:

Uma kuqhathaniswa nemalimboleko yasebhange banenqubo yokubhalisa elula futhi esheshayo. Obolekayo akudingeki aqoqe iphakethe elikhulu lamadokhumenti, afune abaqinisekisi, aqinisekise ubukhona bempahla nomholo ozinzile.
Ngesikhathi esifanayo kuqhathaniswa nokuboleka imali ezihlotsheni noma kubangani i-microloan ukuthengiselana okujwayelekile nokwenziwa kwesivumelwano nokwamukelwa kwezibopho zokukhokha. Ingxenye yokuziphatha kuleli cala ayikho, akudingeki uzizwe ubophezeleke kokuthile.

Kodwa-ke, ngaphambi kokufaka isicelo se-microloan, kufanele uhlaziye isimo sakho sezezimali. Kubalulekile ukuhlola ukuthi imali idingeka ngokwanele yini ukubekezelela yokuntula microloans. Lokhu kufaka phakathi:

inzalo ephezulu;
isidingo sokubuyisa imalimboleko ngokushesha okukhulu.

Kuvela ukuthi kunengqondo ukuthola imalimboleko encane kuphela ezimweni lapho kudingeka khona imali encane futhi kunokuqiniseka ukuthi kuzokwazi ukuyikhokha ezinsukwini ezizayo.

Namuhla ukuthola imalimboleko ku-MFO lula ngangokunokwenzeka. Ukuboleka imali, awudingi nokuthi uphume endlini uhlale kulayini wehhovisi lombolekisi.

Ama-MFIs amaningi ahlinzeka ngamakhasimende gcwalisa isicelo semalimboleko online kuwebhusayithi yenkampani. Le ndlela yenza lula inqubo yokubolekisa kubo bobabili obolekayo kanye nombolekisi.

Lapho ugcwalisa isicelo online, ungakhetha indlela imali ebolekiwe ezotholwa ngayo:

imali egatsheni le-MFO;
isithunywa esizoletha imali ekhaya lakho noma emsebenzini;
usebenzisa uhlelo lokudlulisa imali (isibonelo, oxhumana naye);
ngokudlulisela ekhadini lasebhange;
imali kagesi esikhwameni somuntu siqu.

Kufanele kukhunjulwe ukuthi ngeke kutholakale imali mboleko yemali enkulu kakhulu ngokuphelele nge-Intanethi. Imvamisa ungathola hhayi ngaphezulu 10-15 izinkulungwane ruble.

Kunoma ikuphi, imalimboleko iqala ngokugcwalisa isicelo. Kubalulekile ukuqonda ukuthi ama-MFIs athandwayo athola inombolo enkulu yezicelo nsuku zonke, ngakho-ke kuzofanela uzame ukuthola ukuvunywa.

Ukwenza isinqumo sokuthi uzokhipha imali mboleko noma unqabe, ongoti be-MFO baqhuba ukuhlaziywa kolwazi olunikezwe kuhlelo lokusebenza (ukushaya amagoli).

Le nqubo ifaka izigaba eziningana:

Izicelo ezitholwe kubantu abasohlwini lwabamnyama be-MFO ziyakhishwa;
Ukunemba kwedatha ebalulwe kuhlelo lokusebenza kuyahlolwa;
Ukuqhathaniswa kwemingcele ekhethiwe yemalimboleko (ngokuyinhloko inani layo) nokuxazululwa okuboniswe ngumboleki.

Iningi lama-MFIs lifaka izicelo zamakhasimende ngaphandle kokubandakanya isici somuntu sisebenzisa amathuluzi esoftware kuphela. Ngakho-ke, ukwedlulisa isheke, into esemqoka ukufaka ngokucophelela idatha yangempela kuhla lwemibuzo ehlongozwayo.

Izinhlelo zokushaya amagoli yenza umsebenzi obaluleke kakhulu - bakhipha labo bafaka izicelo abangenaso isifiso namandla wezezimali wokukhokha imali mboleko ngesikhathi.

Umthetho oyisisekelo wokukusiza ukuthi uthole okuhle impendulo kukusondela ekugcwaliseni uhlu lwemibuzo ngokuzola okukhulu nokunakwa.

Izincomo eziyisisekelo lapho wenza isicelo online se-microloan

Ngaphezu kwalokho, kufanele uqondiswe eminye imithetho embalwa:

Unganikeli ngemininingwane engamanga. Akufanele uthathe izimalimboleko zezidumba, ngoba lokhu kungagcina kwehlulekile;
Ungaphazanyiswa ngesikhathi senqubo yokugcwalisa, kubalulekile ukugxila ngangokunokwenzeka. Uma kwenziwa amaphutha ambalwa nokulungiswa, maningi amathuba okuthola imalimboleko;
Nikeza ngemininingwane ephezulu. Inani elincane lezinkambu ezilahlekile futhi ezingenalutho kuzovumela umbolekisi ukwahlulela ukuvuleka okuphelele kweklayenti, kanye nokuntuleka kwenhloso yokufihla noma yiluphi ulwazi olubalulekile;
Cacisa oxhumana nabo abakhulu. Amakheli, izinombolo zocingo zezihlobo noma abantu obajwayele kungadingeka. Kubalulekile ukuqinisekisa ukuthi abantu abanele baqokwa njengabantu abangathintwa;
Hlola ngokufanele amakhono akho wezezimali. Lapho ucacisa inani lemalimboleko, udinga ukucacisa ukuthi kuzobuyiselwa malini ekugcineni. Ngokufanelekile, ubukhulu besikweletu, kucatshangelwa ukukhokhwa ngokweqile, kufanele kube njalo ukuze sikwazi ukukhokhelwa kusuka kumholo owodwa noma emibili.

Kuzoba wusizo ukwazi ukuthi yiluphi ulwazi oludingekayo ukugcwalisa isicelo. Kungahluka kuma-MFI ahlukile, noma kunjalo, kunemininingwane ezodingeka nakanjani:

imininingwane yomuntu - Igama eligcwele, usuku nendawo yokuzalwa;
imininingwane yepasipoti (uchungechunge nenombolo, kukhishwe nini futhi ngubani)
oxhumana nabo - ikheli, inombolo yocingo, i-imeyili;
imingcele yemalimboleko - inani, isikhathi, indlela yokuthola.

Ungadinga imininingwane mayelana nokutholakala kokubhaliswa, indawo yokusebenza, izinga leholo. Imininingwane enjalo isivumela ukuthi silinganise amathuba okubuyiselwa kwemali mboleko.

Imigomo, ebukhoneni bayoba nesinqumo esingalungile mayelana nesicelo:

ukuntuleka kobuzwe baseRussia;
ukuntuleka kokubhaliswa eRussia;
ukungahambelani nenqubo yobudala kuma-MFOs.

Ngemuva kokuthumela isicelo, kuvame ukwenziwa shayela kusuka kuchwepheshe wenkampani umboleki ongaba khona. Inhloso yengxoxo akuyona kuphela cacisa amaphuzu angacacile, kodwa futhi hlola isimo somzwelo obolekayo.

Imibuzo yochwepheshe kufanele iphendulwe ngokuzola okukhulu nangokwethembeka, kepha izama ukwethula imininingwane ngendlela evumayo.

Uma isisebenzi se-MFI sibuza ngobukhona bomlando wesikweletu, akunangqondo ukuqamba amanga. Uma ungabaza, bangacacisa imininingwane ngemizuzu embalwa.

Kufanele kushiwo isipiliyoni esiphumelelayo sokubambisana namanye ama-MFIs. Imininingwane enjalo nayo izodlalela ezandleni zamakhasimende, ngoba izokwenza ukuthi kukwazi ukwahlulela ukunemba kwakhe nolwazi lohlelo lokusebenzisana nezinkampani ezinjalo.

6. Ungawanyusa kanjani amathuba okuthola i-microloan - iseluleko sochwepheshe 📑

Iningi labantu abazoba ababoleki likhathazekile ngokuthi yisiphi isinqumo esizothathwa mayelana nesicelo sabo. Ungaxhumana nenye inkampani. Kodwa-ke, lokhu kugcwele izindleko ezengeziwe zesikhathi nezinzwa.

Eqinisweni, wonke umuntu ofaka isicelo unethuba lokukhulisa amathuba esinqumo esihle. Ukuze wenze lokhu, kwanele ukulalela iseluleko sochwepheshe.:

Inketho ephelele - faka isicelo se-microloan ezinhlanganweni eziningana ngasikhathi sinye. Uma impendulo enhle ivela kuma-MFIs amaningana, ungahlala wehlisa okunikezwayo okungabizi kakhulu.
Hlolisisa amakhono akho wezezimali. Inkokhelo yemalimboleko akufanele ibe ngaphezulu 30-35% wemali engenayo yenyanga. Uma ungalandeli lo mthetho, amathuba okuthi unqatshelwe ukukhishwa ezweni ayokhula kuphela, kepha kungavela nobunzima bezezimali.
Isicelo kufanele sigcwaliswe ngokucophelela ngangokunokwenzeka. Uma kunamaphutha kudatha enikeziwe, i-MFO izokwenqaba ukukhipha imalimboleko.
Uma unama-akhawunti kumanethiwekhi omphakathi, kufanele uwaxhumanise ne-akhawunti yakho kwi-MFO. Lokhu kuzokhulisa amathuba esinqumo esihle. Iqiniso ukuthi kukhona into eyodwa - imininingwane nezithombe kuzo kufanele zibe ngeqiniso futhi zanele. Uma leli khasi liqukethe izithombe ezingcolile nokuxhumana, imalimboleko kungenzeka inqatshelwe.
Kuyafaneleka ukufaka isitifiketi esiqinisekisa izinga lemali engenayo esicelweni. Noma ezimeni lapho lo mbhalo ungaphoqelekile, ukutholakala kwawo kuzodlalela lowo ofaka isicelo.

Ngokulandela le mihlahlandlela elula, ungakhuphula kakhulu amathuba okuvunywa kohlelo lokusebenza.

7. Izimpendulo zemibuzo ebuzwa njalo (i-FAQ) kuma-microloans 📃

AmaMicrooloans zithandwa kakhulu namuhla. Kodwa-ke, le ndlela yokuboleka imali isaphakamisa imibuzo eminingi. Ukuthola izimpendulo kubo kudla isikhathi. Ngakho-ke, ukwenza lula umsebenzi wabafundi bethu, ngokwesiko siphendula imibuzo ejabulisa kakhulu ekugcineni kokushicilelwa.

Umbuzo 1. Ungayikhipha kanjani i-microloan ekhadini le-Sberbank?

I-Sberbank yibhange elidume kakhulu eRussia. Ngakho-ke, izakhamizi eziningi zezwe lethu zinamakhadi avela kuleli bhange. Kungokwemvelo esimweni esinjalo ukuthi abafakizicelo abaningi bafisa ukumboleka imali mboleko kuye.

Ukuthola imalimboleko ekhadini le-Sberbank bekungokoqobo, kufanele kube ngumuntu uqobo futhi kube ngolunye lwezinhlelo ezimbili zamazwe omhlaba - I-Visa noma I-MasterCard.

Kubalulekile futhi ukuba nemininingwane edingekayo ekhadini - isikhathi sokusebenza futhi Ikhodi ye-CVC... Uma yonke imibandela ihlangatshezwa, uma imalimboleko ivunyelwe, imalimboleko izofakwa kulelo khadi cishe ngaso leso sikhathi.

Ukwamukela izimali nge-MFO ekhadini le-Sberbank, akudingekile ukuthi uye ehhovisi lenkampani. Yonke inqubo ingenziwa ngaphandle kokushiya ikhompyutha yakho yasekhaya noma yokusebenza.

Kulokhu, uzodinga ukuhamba ngezinyathelo ezimbalwa ezilula:

Thola ababolekisi abafanele kwinjini yokusesha bese wenza uhlu lwabo;
Vakashela amasayithi ama-MFO akhethiwe bese uzijwayeza imigomo ye-microcredit;
Bhalisa kumasayithi owathandayo (ungasebenzisa amasayithi amaningi ngasikhathi sinye), qhubeka nokugcwalisa isicelo;
Faka imininingwane edingekayo;
Lapho ukhetha indlela yokwamukela imali, bonisa "ekhadini lasebhange";
Kuhlala ukulinda impendulo ye-MFI. Lokhu ngokuvamile kuthatha imizuzu eyi-15. Uma isinqumo sivuma, kuzodingeka ufake imininingwane yekhadi lakho lasebhange ewindini elikhethekile;
Emaminithini ambalwa ungabheka ikhadi lakho lasebhange bese uya ku-ATM ukuthola imali.

Uhlu lwama-MFOs athandwa kakhulu anekhono lokubolekisa ngemali mboleko ekhadini le-Sberbank:

Thembeka;
ImaliMan;
UPlatiza;
IVivus.

Lolu hlu alunakubizwa ngokuthi luphelele. Uma ufisa, ungathola izinkampani eziningi ezifanayo kwi-Intanethi.

Umbuzo 2. Ungasifaka kanjani isicelo online se-microloan eMoscow?

Inqubo yokuthola i-microloan nge-Intanethi ayihlukile kakhulu kuma-MFO amaningi. Uzodinga ukugcwalisa uhlelo lokusebenza ngokuphelele nangokuthembeka ngangokunokwenzeka, uluthumele bese ulinda impendulo.

Ukwenza isicelo online se-microloan nge-Intanethi

Ezinkampanini eziningi, izinhlelo zokusebenza ziyafana kakhulu, kepha kwesinye isikhathi kunezici ezithile. Into esemqoka okufanele uyikhumbule ukuthi akufanele uzame ukufaka imininingwane engamanga.

Vele, kulula kakhulu ukungagcwalisi isicelo ngokwakho, kodwa ukuxhumana Umxhumanisi we-MFI... Kodwa-ke, kuleli cala kuzodingeka uye egatsheni lenkampani, okungahlali kulula ngaso sonke isikhathi (ikakhulukazi eMoscow ngeziminyaminya zalo eziningi).

Ukuthola imalimboleko online, akudingeki uye noma yikuphi. Kwanele ukuthola ikhompyutha noma enye idivayisi ene-Intanethi.

Abantu abaningi babheka indlela elula kunazo zonke yokuthola imali nge-microloan ikhadi lasebhange... Ama-MFIs amaningi asebenza ngamakhadi wezinhlelo zokukhokha I-MasterCard futhi I-Visa... Kulokhu, izimali zifakwa kwimizuzu embalwa. Kukancane kakhulu, kudlula amahora ambalwa kusukela ngesikhathi sokusayina inkontileka kuze kutholakale imali.

Kufanele kukhunjulwe ukuthi akuvamile kakhulu, kepha futhi ungathola izinkampani ezisebenzisana namakhadi Maestro... Kepha kulokhu, imalimboleko kuzodingeka ilinde 2-5 izinsuku.

Ukuthola imali ekhadini lasebhange kuyathandwa, kepha hhayi ukuphela kwendlela. Ungakhipha nemali mboleko:

dlulisela imininingwane yasebhange ye-akhawunti yomboleki;
ngokusebenzisa izikhwama ze-elekthronikhi;
kumakhalekhukhwini;
ngoku-oda kweposi;
ngohlelo lokukhokha Oxhumana naye, uZolotaya Korona;
ngokheshi edeskini lemali egatsheni leMFO.

Ukugwema amaphutha lapho ugcwalisa isicelo semalimboleko kwi-Intanethi, kufanele ulalele izeluleko ezilandelayo:

Sicela unikeze imininingwane ethembekile. Musa ukweqisa ezingeni leholo lakho. Akunakwenzeka ukuthi inkampani izobheka umholo womboleki. Kepha imininingwane emayelana nemali etholakalayo yemisebenzi ethile esifundeni esithile yimininingwane evulekile.
Khombisa inani elidingekayo lemalimboleko. Ngokwemvelo, ngeke kwenzeke ukuthola okungaphezu komkhawulo obekiwe ku-MFI. Kepha ungafaki inani eliphezulu uma kudingeka okuncane ukuxazulula izinkinga. Kubalulekile ukuthi uhlolisise ikhono lakho lokukhokha.
Uma kunenkambu “yenhloso yemalimboleko,” ungayishiyi ingenalutho. Lolu lwazi lungakhethwa. Kepha uma ucacisa umgomo owenele, amathuba esinqumo esihle ayanda.
Ukuvuthwa kufanele kuboniswe ngamagama angempela. Kufanele ucabange ukuthi izimali zitholwa nini, uhlinzeke ngamaholide nangezimpelasonto. Ngemuva kwalokho, kungakuhle ukwengeza ezinye izinsuku ezimbalwa ezimweni zezimo ezingalindelekile.
Kubalulekile ukukhumbula ukuthi indawo yokubhalisa neyokuhlala kaningi ayihambelani. Ukubhalisa ikheli eliqinisekiswa yisitembu sephasipoti.

Uma ubhaliswe njenge usomabhizinisi ngamunye noma Ltd izimo zama-microloans futhi zazo kufanele zifundwe. Imvamisa inenzuzo enkulu kunaleyo ejwayelekile kubantu.

Ngokuvamile, akunzima ukuthola imali mboleko eMoscow online. Into esemqoka ukusondela kule nkinga ngokuzibophezela. Ungakhohlwa ukuthi kubalulekile hhayi nje kuphela ukuthola imali mboleko, kodwa futhi nokukwazi ukuyikhokha ngekhwalithi ephezulu.

Umbuzo 3. Kuzokwenzekani uma ungakhokhi nhlobo ama-microloans?

Kunezimo eziningi lapho, lapho i-microloan ingakhokhelwa ngesikhathi, isikweletu sikhuphuke kaningi. Vele, akekho umuntu onomshwalense omelene nezimo lapho kungenakwenzeka ukubuyisa imali ngesikhathi.

Kepha kubalulekile ukukhumbula ezinye izimo ukuze ugweme inkathazo:

Inzalo kuma-MFIs ibalwa ngesilinganiso sansuku zonke. Ngakho-ke, ukubambezeleka kwezinsuku ezimbalwa kungabiza inani elifanele.
Kufanele uyifunde ngokucophelela inkontileka. Kuyadingeka ikakhulukazi ukuthi ufunde futhi ukhumbule amaphuzu maqondana nezinhlawulo zokukhokha sekwedlule isikhathi.
Thatha imali mboleko ezimweni ezimbi kakhulu nemali edingekayo kuphela. Lokhu kuzonciphisa inani lokukhokhwa ngokweqile.
Isikweletu kufanele sikhokhwe ngokushesha okukhulu. Ama-MFIs amaningi abala kabusha inzalo lapho ekhokha imalimboleko ngaphambi kwesikhathi.
Uma ungeke ukwazi ukubuyisa imali yakho ngesikhathi, kungcono ukuxhumana nombolekisi bese ucela ukwelulwa. Imvamisa, kuzodingeka ukhokhele insizakalo enjalo noma ukhokhe inzalo eqongelelwe. Kepha lokhu kunoma ikuphi kungcono kunokugcina imali eyengeziwe.
Ezinye izinkampani zinikela ngokukhokha kancane kancane ezimweni ezinzima. Kulokhu, ukunqwabelaniswa kwenzalo kumisiwe, futhi inani lesikweletu lihlukaniswe laba izingxenye eziningana.

Kubalulekile ukuqonda ukuthi uma kwenqatshwa ngokuphelele ukukhokha imali ebolekiwe, i-MFI inelungelo lokufaka isicelo enkantolo noma kubaqoqi... Lokhu kuzokwengeza kakhulu isimo esivele sinzima. Ngaphezu kwalokho, inani lesikweletu kulawa macala lizokhula futhi.

Ngokwesiko, inkontileka ibeka ukuthi zonke izindleko zomthetho zehlela emahlombe alowo owephula imigomo yawo. Futhi uma kwenzeka wenqaba ukukhokha, lokhu obolekayo.

Khumbula ukuthi ama-MFIs enzelwe ukusiza ukuxazulula izinkinga, hhayi ukuzenza zibe zimbi kakhulu. Ngakho-ke, izinsizakalo zezinkampani ezinjalo kufanele zisetshenziswe ngokuzibophezela.Kungaleso sikhathi kuphela lapho ezoba nenzuzo futhi ingalimazi ukuzinza kwezezimali.

Umbuzo 4. Ngingayitholaphi i-microloan ngaphandle kwenzalo ngaphambi kweholo?

Muva nje, iziphakamiso ezivela ezinhlanganweni zezimali ezincane ziye zavela ngokuya ngokwanda thola imali mboleko ngaphandle kwenzalo... Kulokhu, kukhishwa imali ngesamba esincane futhi okwesikhashana (yini ebizwa ngaphambi komholo).

Ungathola imalimboleko enjalo ngezindlela ezimbili:

ngokuxhumana nehhovisi le-MFI;
ngokugcwalisa uhlelo lokusebenza kwi-Intanethi.

Indlela yesibili ilula kakhulu. Kudinga isikhathi esincane kakhulu kusuka kumboleki wesikhathi esizayo. Ngaphezu kwalokho, ungathola imali ngaphandle kokushiya ikhompyutha yakho, into enkulu ukuthi ube ne-Intanethi.

Ukuthola imali mboleko engenzalo, kuzodingeka udlule ezigabeni eziningana:

Khetha i-MFIukuhlinzeka ngomsebenzi onjalo;
Funda imigomo yokubolekisa. Uma kwenziwa isinqumo sokukhipha imalimboleko engenzalo, kufanele ufunde ngokucophelela lapho inzalo ingeke ikhokhiswe. Kubalulekile futhi ukuqonda ukuthi yini okusongelayo uma lezi zimo zephulwa. Imvamisa, kuleli cala, kuzokhokhiswa inzalo ngezinga elikhuphukile. Kumele kukhunjulwe nokuthi ama-microloans ku-0% imvamisa kuyindlela ejwayelekile yokuhweba. Eqinisweni, imali mboleko izokhishwa ngokukhokhwa kwamakhomishini angeziwe.
Gcwalisa isicelo. Imvamisa, lapho ufaka isicelo semalimboleko engenzalo, kubekwa izidingo eziphakeme kubaboleki. Lokhu kuyakhathaza ubudala, ukuba nomsebenzi, imfundo... Ngaphezu kwalokho, kuvame ukudingeka ukubhaliswa unomphela esifundeni semalimboleko.
Lindela ukuvunywa. Imvamisa, ama-MFIs akhipha imali mboleko cishe kuwo wonke umuntu, ngoba awahloli umlando wabo wesikweletu. Kukhona namabhange angahloli umlando wesikweletu wamakhasimende.
Thola imali. Indlela elula kunazo zonke yokuthola izimali ukukhetha ikhadi lasebhange noma imali kagesi... Kepha konke kuya ngezintandokazi zomboleki.

Kusasele ukubuyisa imali ngesikhathi ukuze kugwenywe izindleko zenzalo. Ngendlela, kungcono ukucacisa indlela yokubuyiselwa kwemali mboleko kusengaphambili. Ngokwesiko, ama-MFIs anikela ngezindlela eziningi ongakhetha kuzo.

Musa ukulinda kuze kube usuku lokugcina lokuvuthwa. Kuzodumaza kakhulu uma ngomzuzu wokugcina kuvela ukuthi ngeke kwenzeke ukukhokha ngendlela elula yomboleki.

Ziningi kakhulu izinhlangano zezimali ezincane ezisebenza ezweni lethu. Kodwa-ke, akubona bonke abakhipha imali mboleko ngaphandle kwenzalo.

Ngezansi kunohlu lwama-MFIs athandwa kakhulu akhipha imali mboleko engenzalo:

EZAEM inikeza ukuthola i-microloan kuzakhamizi ezineminyaka yobudala 20-65 iminyaka. Inani lemalimboleko lingaba sebangeni kusuka 2 ngaphambi 20 izinkulungwane ruble... Ababoleki abasha kuphela abangathola imali mboleko engenzalo. Kulokhu, inani lemali mboleko eliphakeme lingu- 10 000 ama-ruble... Uma ufaka isicelo kabusha, imali mboleko ikhishwa ngaphansi 2% ngosuku. Udinga ukukhokha isikweletu ngaphakathi 14-30 izinsuku... Kunezindlela eziningi zokuthola imali nokubuyisa imali mboleko: usebenzisa ikhadi lasebhange, i-akhawunti noma isikhwama se-Qiwi. Ungayithatha kanjani imali mboleko esikhwameni seQiwi ngaphandle kokwehluleka ngokushesha online, sikhulume ngokuningiliziwe kumagazini wokugcina.

IViva Imali unikezela ukuthola imali mboleko engenzalo ngokuya ngokubhaliswa ezifundeni lapho inkampani inamahhovisi khona. Iminyaka yobolekayo kumele ibe phakathi 21 ngaphambi 70 iminyaka. Ungathola imali mboleko kulelo nani 1 000-40 000 ama-ruble, ibuye iyalandela Izinsuku eziyi-7... Ungathola imalimboleko evunyelwe ehhovisi le-MFI noma ekhadini lasebhange. Uhlelo lokukhokha (inani nosuku lokukhokha) lubekwa ngakunye.

Ungathola imali mboleko engenzalo hhayi kuma-MFOs kuphela, kepha nasemabhange. Iningi labo linikela hlela ikhadi lesikweletu nesikhathi somusa, lapho inzalo ingakhokhiswa.

Amakhadi esikweletu elula kakhulu kunama-microloans. Zingadwetshwa kusengaphambili, ngaphandle kokulinda ukuthi kuvele isimo esinzima, futhi zisetshenziswe lapho kudingeka.

Lapho ukhipha ikhadi elinesikhathi somusa, kufanele ucacise ukutholakala kwamakhomishini - ukukhishwa nokuvuselelwa, kanye nokuhoxiswa nokufakwa kwemali.

Amabhange athandwa kakhulu akhipha amakhadi esikweletu ngesikhathi somusa:

I-Summer Bank. Ikhadi lifakiwe ikhomishini ekhishwayo enanini lama-ruble angama-300 kuye kwangama-500 (kuya ngohlobo lwekhadi). Umkhawulo omkhulu wesikweletu ngu- 15 000 ama-ruble... Kufanele kukhunjulwe ukuthi uma imali ingabuyiswanga ngaphakathi kwemigomo ebekiwe kwinkontileka, kulungile... Kungenzeka kusebenze insiza yokwazisa nge-SMS usebenzisa ikhadi. Lapho ufaka isicelo, akudingeki ukuthi uqinisekise inani lemali engenayo. Kwanele ukuhlangabezana nemibandela yobudala esunguliwe: kwabesifazane kusuka 18 ngaphambi 70 iminyaka, yamadoda - kusuka 21 ngaphambi 65.
IVanguard - iCashBack. Isikhathi somusa sekhadi sithi 50 izinsuku... Uma ngalesi sikhathi imali mboleko ingakhokhiwe, inzalo izotholakala ngezinga le- 21 ngaphambi 30% ngonyaka. Imali Yezinsiza ama-ruble ayi-1 100. Ikhokhisiwe ikhomishini ekhipha imali 3-8%. Ikhadi lingakhishwa izakhamizi ezineminyaka esukela ku- 19 ngaphambi 58 iminyaka.
I-Alfa Bank. Lesi esinye sezikhathi zomusa ezinde kakhulu - 100 izinsuku... Ikhadi likhishwa mahhala, kepha isevisi ibiza ama-ruble ayi-1,290 ngonyaka. Izinga lisuka ku- 26,99 ngaphambi 39,99 %. Ikhadi lingatholwa yizakhamizi zaseRussia eziguqukile 21 unyaka. Ukunikeza isitatimende semali engenayo kukuvumela ukuthi uthole umkhawulo ophakeme wesikweletu.

Ukukhetha ukuthi iyiphi inketho yokubolekwa ngaphandle kwenzalo ongayikhetha, kunoma imuphi umboleki kuphela. Into esemqoka ukunaka ukugcwaliseka kwezibopho zesikweletu ezicatshangelwe.

Umbuzo 5. Ngabe kunenzuzo ukuthatha ama-microloan ngokusebenzisa uhlelo lokuxhumana?

Kulabo abafaka izicelo abangenalo ikhadi lasebhange noma akulifanele ukubhalisa imali mboleko, i-MFI ihlinzekile ithuba lokuthola imali ngaphansi kwenkontileka ngohlelo lokukhokha Oxhumana naye.

Kulokhu, izimo zokubolekisa zizofana nalapho ufaka imali ekhadini lasebhange. Umehluko kuphela ukuthola imali. Lapho ukudluliswa kuthunyelwa, obolekayo ku- ama-sms uzofika ikhodi yokulawula... Naye kanye nepasipoti, uzodinga ukuya endaweni eseduze yesevisi yokuxhumana.

Umbuzo 6. Ungayithola kanjani i-microloan ku-Yandex Money?

Ama-MFI amaningi amakhulu awakhiphi imali mboleko efakiwe esikhwameni semali Imali ye-Yandex... Azikho izinkampani eziningi ezihlinzeka ngale nsizakalo. Uma benqatshelwa ukubolekwa imali, futhi kudingeka le mali ethile ye-elekthronikhi, kuzofanele ubheke ezinye izindlela zokuthola imali.

Kunezindlela eziningi ezivame kakhulu:

Abashintshi ikuvumela ukuthi udlulisele imali yohlelo olulodwa lokukhokha kolunye. Okusho ukuthi, ungafaka isicelo se-microloan kwenye imali ye-elektroniki bese uyishintshela i-Yandex. Kulokhu, umuntu kufanele abheke inani lekhomishini;
Izimalimboleko ezivela kubantu ngabanye. Le nketho ingatholakala kumaforamu amaningi ezezimali. Kufanele uphathe lezo zimali mboleko ngokuxwaya ngangokunokwenzeka. Kusabalele lapha ukukhwabanisa... Lokhu kuyiqiniso ikakhulukazi ekukhokheleni kusengaphambili ukucatshangelwa kwesicelo. Sibhale ngendlela yokuhlela kahle imalimboleko evela kumuntu oyimfihlo ngokumelene nerisidi endatshaneni edlule.
Ukukhishwa kwekhadi elixhunyaniswe ne-akhawunti yeYandex Money. Lapho isikhwama semali sivuliwe, unga-oda I-debit card... Ngemuva kokukhiqizwa, ithunyelwa eposini ekhelini lomphathi we-akhawunti. Ikhadi elinjalo line-akhawunti eyodwa ne-Yandex wallet yemali. Futhi ungayisebenzisa njengekhadi lasebhange elijwayelekile, kufaka phakathi ukukhipha i-microloan yalo.

Indlela yokugcina iyona ephephe kunazo zonke. Amathuba okukhwabanisa mancane lapha. Vele, lokhu kuyiqiniso lapho kusetshenziswa izinsizakalo zama-MFIs athembekile.

Ngakho-ke, ama-microloans nge-Intanethi angaba yinsindiso esimweni esinzima. Into esemqoka ukuwasebenzisa ngokuhlakanipha, thatha kuphela ezimweni ezimbi kakhulu inani eliphansi... Kufanele futhi ukubakhokhela ngokushesha okukhulu.

Sikweluleka futhi ukuthi ubuke ividiyo emayelana nama-microloans - odinga ukukwazi ngaphambi kokuwathatha:

Ngabe wake wakhipha ama-microloans online futhi wabhekana nabuphi ubunzima? [/ Sj_question]

Sifisela abafundi beMibono Yethu iphephabhuku iphumelele ezindabeni zabo zezezimali! Izimo ezibucayi kakhulu kuwe lapho kufanele ukhiphe ngokushesha ama-microloans.

Sizojabula kakhulu uma wabelana ngemibono yakho, isipiliyoni kanye namazwana wakho ngesihloko sokushicilelwa kumazwana angezansi.

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