Imalimboleko esikhwameni se-QIWI - ungayithola kanjani i-microloan ngokushesha esikhwameni se-QIWI ngaphandle kokwenqaba online + ama-TOP-7 MFOs ahlinzeka ngemali mboleko ubusuku nemini
Ngibingelela abafundi bamagazini wezezimali i-Ideas for Life! Namuhla sizokutshela ukuthi ungathatha kanjani imali mboleko ngokushesha ku-wallet ye-QIWI ngaphandle kokwenqatshwa ku-inthanethi nokuthi yiziphi izinkampani ezikhipha ama-microloans kwizikhwama ze-QIWI ubusuku nemini (24/7).
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Ngemuva kokufunda incwadi ethunyelwe, uzokwazi:
- Yiziphi izinzuzo nezimbi zemalimboleko yesikhwama seQiwi;
- Ubani ongathola imali mboleko yesikhwama se-QIWI nge-Intanethi / online;
- Kukuziphi izinkampani ongathatha i-microloan ku-Kiwi ubusuku nemini.
Futhi ekugcineni kwendatshana uzothola izeluleko zokuthi ungangeni kanjani ebugqilini besikweletu nezimpendulo zemibuzo ebuzwa njalo.
Ukushicilelwa kuzoba wusizo kulabo abathathe isinqumo sokufaka isicelo semalimboleko online ku-wallet yeQiwi ngokuphuthumayo. Kuzoba wusizo ukuzijwayeza ngokushicilelwa nalabo abanesithakazelo ezindabeni zezezimali. Kunoma ikuphi, ungachithi umzuzu. Kungcono ukuqala 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 | 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.
Ungayithola kanjani imalimboleko eku-inthanethi kuQiwi ngokushesha ngaphandle kokwenqaba nokuthi ungatholaphi i-microloan esikhwameni se-QIWI ngaphandle kwekhadi lasebhange ubusuku nemini - funda kulo magazini
1. Imalimboleko eya esikhwameni seQiwi (QIWI) - ama-nuances nezici zohlelo lokubolekisa 💰
Isimo lapho imali idingeka ngokuphuthumayo siyajwayeleka kuwo wonke umuntu. Ngasikhathi sinye, akuwona wonke umuntu ongaqhayisa ngokuba nokonga noma abantu abasondelene abakulungele ukuboleka imali edingekayo. Ezimweni ezinjalo, ungaxhumana nombolekisi oqeqeshiwe. Kodwa-ke, kwabaningi, ukubolekwa kwamabhange sekungatholakali ngenxa yomlando omubi wesikweletu noma ukungabi bikho kwemali esemthethweni.
Ngakho-ke, kaningi futhi abantu baqala ukufaka izicelo zemalimboleko ku- ama-wallet kagesi, isib, Qiwi... Lolu khetho luhlinzekwa yizikhungo eziningi zezimali ezincane. Lolu hlobo lokubolekisa lutholakala cishe kuwo wonke umuntu, kufaka phakathi abafundi, abahola impesheni futhi abangasebenzi.
Imalimboleko eya esikhwameni seQiwi i-microcredit lapho izimali zifakwa kuhlelo lokukhokha Qiwi... Isici sayo esiyinhloko yikhono lokuthola imalimboleko ngaphandle kokushiya ikhaya.
Uma isakhamuzi sinquma ukufaka isicelo semalimboleko okokuqala, inani eliphakeme lizoba Ama-ruble ayi-10,000... Ngokugcwaliseka okufika ngesikhathi kwezibopho ezicatshangelwayo, umbolekisi unyusa inani lemalimboleko elikhona.
Izinzuzo (+) nobubi (-) bemalimboleko ku-QIWI
Njenganoma iyiphi insizakalo yezezimali, imali mboleko kaQiwi inayo izinzuzo futhi ukulinganiselwa.
Phakathi kwezinzuzo kukhona okulandelayo:
- ijubane elikhulu lokubhalisa futhi, ngokufanele, ukuthola imali;
- ungathola imali noma kuphi, isimo kuphela ukungena kwi-Intanethi;
- izindlela ezahlukahlukene zokukhokha;
- ukuthi kungenzeka ukwelula isikhathi uma kungenakwenzeka ukukhokha ngesikhathi.
Izicelo ezifakiwe zibhekwa ngemigomo isheke elenziwe lula lesikweletu... Lokhu kukuvumela ukuthi uthole izimali ngokushesha okukhulu. Ngaphezu kwalokho, ukuqinisekiswa okwenziwe lula kuvumela abantu abanomlando wesikweletu owonakele futhi abangenawo umsebenzi onomphela wokuboleka.
Uma ufisa, umboleki akakwazi ukukhipha imali etholakele. Konke kuncike enjongweni yokubolekiswa.
Ungaboleka i-Kiwi sebenzisa ngqo kumodi eku-inthanethi ukukhokhela izinsizakalo nokuthenga okuhlukahlukene. Uma usadinga ukheshi, ungahlala njalo khipha imali esikhwameni semali ukwenza imephu kungakapheli imizuzu.
Ngaphandle kwenani elikhulu lezinzuzo zemalimboleko kuQiwi, ibuye ibe nokukhulukusimo— inzalo ephezulu... Kuchazwa ngesifiso sombolekisi sokuqinisekisa izingozi zakhe. Ukwethembeka kumakhasimende kuhambisana nethuba elibonakalayo lokungakhokhi kwemali mboleko. Amaphesenti aphezulu anciphisa ukulahlekelwa okuncane okungenzeka kusuka ezimweni ezinjalo.
Labo abathatha isinqumo sokukhipha i-microloan kufanele bakhumbule ukuthi imvamisa isilinganiso esikuyo sikhonjiswa njengephesenti losuku olulodwa. Ngokwesilinganiso, kuzodingeka ukhokhe nsuku zonke ngokusebenzisa imali 2-3%... Izinga lingancishiswa kuphela uma ufaka isicelo semalimboleko futhi noma uma ubhala phansi umholo wakho.
Kukufanele nini ukuthola i-microloan esikhwameni seQiwi?
IMicroloan yesikhwama seQiwi - injabulo ebizayo. Kubiza cishe 730% ngonyaka... Ngakho-ke, imalimboleko enjalo kufanele ithathwe kuphela ngaphansi kwale mibandela elandelayo:
- imali iyadingeka ngokuphuthumayo;
- kunokuqiniseka ukuthi kuzokwazi ukukhokha isikweletu ngokushesha okukhulu;
- i-microcredit kufanele ikhishwe ngemali ephansi edingekayo.
Yonke le mibandela emithathu iyahlangabezana ukuqinisekisa ukuthi ukukhokha ngokweqile kuzoba kuncane. Ngaphezu kwalokho, obolekayo uzothola izinzuzo eziningi kusuka ku-microcredit kunokuphoxeka.
Kubalulekile ukukhokha ama-microloans atholwe ku-Kiwi ngokushesha okukhulu. Kulokhu, ukukhokhwa ngokweqile kuzoba kuncane.
Ubani onethuba lokuthola ngokushesha imali mboleko esheshayo esikhwameni se-Qiwi online - uzofunda ngalokhu ngokuqhubekayo
2. Ubani ongafaka isicelo semalimboleko eku-inthanethi yesikhwama se-Qiwi ngokushesha nge-Intanethi - izidingo eziyinhloko zababolekayo
Izikhungo zezimali ezincane zinendlela ethembeke kakhulu kumakhasimende. Noma kunjalo, kunezidingo eziningi ezibekwa kubaboleki.
Izidingo eziyisisekelo zabantu abafisa ukufaka isicelo semalimboleko ephuthumayo esikhwameni se-QIWI online:
- Okokuqala, lokhu kuthinta umkhawulo weminyaka. Izinga eliphansi lisethwe ngumbolekisi ngamunye. Kepha okungenani obolekayo kumele abe seminyakeni esemthethweni. Iminyaka yobudala evamile ayidluli 70 iminyaka.
- Okufanelekile, umfakisicelo kufanele abe nomsebenzi onomphela. Noma kunjalo, le mfuneko ayiphoqelekile. Amanye ama-MFIs angaboleka imali, kufaka phakathi abangasebenzi. Icala ngalinye ezinhlanganweni zezimali ezincane libhekwa ngokwehlukile. Endimeni edlule, sikhulume ngokuningiliziwe mayelana nemalimboleko kubantu abangasebenzi abanomlando omubi wesikweletu - sikweluleka ukuthi uyifunde.
- Amanye ama-MFIs adinga ukuba yisakhamuzi saseRussia.Noma kunjalo, lokhu akudingeki. Ezinhlanganweni eziningi, izakhamizi zamazwe angaphandle zingathola isikweletu semali esikhwameni seQiwi. Isimo kuphela ukutholakala kokubhaliswa endaweni yaseRussia.
Ngakho-ke, indawo esemthethweni yokusebenza, kanye nokuba khona kwemali engenayo eqinisekisiwe yezinhlangano zezimali ezincane akuzona izidingo eziyimpoqo. Kodwa-ke, ukuba khona kwale mibandela kungakhuphula kakhulu amathuba okuvunyelwa kwesicelo semalimboleko.
Ngaphezu kwemibandela ebekwe kumboleki, kubalulekile ukubolekisa ukutholakala kwemibhalo edingekayo... Lapho ukhipha i-microloan yesikhwama se-Qiwi, imvamisa kuphela ipasipoti... Kodwa-ke, amanye ama-MFIs asetha umbandela wokuhlinzekwa kwedokhumenti yesibili engaqinisekisa ubunikazi bomboleki.
Ungakhohlwa ukuthi ukuze uthole imali mboleko ku-Qiwi e-currency, uzodinga nokuhambisana nayo qiwi isikhwama... Kodwa-ke, uma ingekho, akufanele ukhathazeke. Ungavula isikhwama semali kuQiwi kungakapheli imizuzu embalwa kufayela le- online.
Umhlahlandlela oningiliziwe wokuthi ungathola kanjani imalimboleko eku-inthanethi ngesikhwama seQiwi ngokushesha
3. Ungasithola kanjani isikweletu online ku-wallet ye-QIWI (QIWI) ngokuphuthumayo ngezinyathelo ezi-5 ezilula - imiyalo yesinyathelo ngesinyathelo yabaqalayo 📋
Akunzima ukuthola isikweletu semali esikhwameni seQiwi. Kodwa-ke, labo ababhekene nalesi sidingo okokuqala abazi njalo ukuthi baqhubeke kanjani.
Ukugwema izinkinga ngomklamo, kuyasiza ukutadisha ngokucophelela imiyalo yesinyathelo ngesinyathelo kubantu abafuna ukufaka isicelo semalimboleko esikhwameni seQiwi.
Isinyathelo 1. Dala isikhwama se-Qiwi
Ukufaka isicelo semalimboleko ngohlelo lweQiwi, okokuqala udinga isikhwama uqobo. Uma kungenjalo, kuzofanele uqale. Ukuze wenze lokhu, okokuqala kufanele vakashela iwebhusayithi yohlelo lokukhokha uqobo – qiwi (ichashazi) com... Phezulu ekhasini ungabona inkinobho "Dala isikhwama semali"... Ngemuva kokuchofoza kuyo, uzoya kwifomu lokubhalisa, lapho kufanele ugcwalise khona yonke imigqa.
Okubalulekile ungakhohlwa lapho ugcwalisa ifomu lokubhalisa, ekugcineni, khombisa izinombolo ezibonakalayo esithombeni. Ngale ndlela, kubhekwa ukuthi ukugcwaliswa kwemibuzo akuyona irobhothi.
Kuzofanele futhi uqinisekise isivumelwano sakho nemigomo yokusetshenziswa kwensizakalo yokukhokha. Ngaphambi kwalokho, kunconywa ukuba uzijwayeze nabo. Isinyathelo esilandelayo ukwethula 2 izikhathi okusunguliwe iphasiwedi... Ukuphela kokubhaliswa esikhwameni isingeniso sephrofayela ikhodiezongena ngomyalezo weSMS.
Isinyathelo 2. Ukukhetha umbolekisi
Imvamisa ababoleki, bejaha ukukhetha umbolekisi, bawela kumanethiwekhi wabakhohlisi. Imvamisa, izinkampani ezingathembeki kamuva zisebenzisa idatha yamakhasimende ukuzizuzisa. Ngakho-ke, ukukhetha kwesikhungo esikweletisa isigaba esibaluleke kakhulu ekutholeni imalimboleko.
Kuyafaneleka ukucabangela hhayi kuphela imigomo yokubolekisa, kodwa futhi isilinganiso inhlangano yezimali ezincane. Okokuqala, kufanele kubhekwe lawo ma-MFI asenesikhathi eside emakethe yezinsizakalo zezezimali. Kuyasiza futhi ukutadisha ukubuyekezwa kwamakhasimendeasebevele basebenzisa izinsizakalo zenkampani.
Isinyathelo 3. Ukubhaliswa kwesicelo
Isicelo semalimboleko ngemali yeQiwi siyathunyelwa kumodi eku-inthanethi... Kwanele ukufaka idatha yomuntu siqu kuwebhusayithi yombolekisi okhethiwe ngendlela ehlongozwayo, kanye nenani lemalimboleko ehlongozwayo. Ngaphezu kwalokho, ohlwini lwemibuzo uzodinga ukukhombisa inombolo yesikhwama somuntu siqu ohlelweni lweQiwi.
Lapho ugcwalisa isicelo, kubalulekile ukuthi uqaphele ngokusemandleni akho. Noma yimaphi amaphutha azoholela esinqumweni esingalungile sesikhungo esikweletwa.
Isinyathelo 4. Ukuqinisekiswa kwesifiso sokuthola imali mboleko
Lapho isicelo sesiphothuliwe, siya kumbolekisi ukuze asibheke. Ngaphezu kwalokho, kuyabhekwa.
Uma, ngokuya ngemiphumela yokucubungula isicelo, okuhle isinqumo, uzodinga ukuqinisekisa inhloso yakho. Njengoba kungenzeki ukusayina amadokhumenti ngokubhaliswa okukude, kunendlela yokukwenza kokukodwa kokunye okukhethwa kukho okubili.
Kunezindlela ezimbili zokuqinisekisa inhloso yakho yokwenza imali mboleko:
- Ngokufaka ikhodiyamukelwe ngomyalezo we-SMS.
- Engxoxweni yocingo nommeleli wombolekisi, ozimela ngokuzimela lowo obolekayo wesikhathi esizayo.
Isinyathelo 5. Ukukhokhwa kwesikweletu emalimboleko owatholile
Lapho isicelo sesamukelwe, imali izofakwa esikhwameni semali ebolekayo seQiwi. Ngokwesiko, kusukela ngesikhathi sokugcwalisa uhlu lwemibuzo ukuthola imali, kuthatha lokhu kungadluli imizuzu eyi-10.
Kodwa-ke, imali mboleko ayipheli ngokudluliselwa kwemali esikhwameni. Ngemuva kwalokho, kuzodingeka ukuthi ikhokhwe. Indlela elula yokwenza lokhu usebenzisa i-Qiwi wallet... Kulokhu, ayikho ikhomishini. Kodwa-ke, hhayi wonke umuntu unemali esikhwameni sakhe, ngoba inani lemalimboleko selizosetshenziswa. Ngakho-ke, kuzofanele usebenzise ezinye izindlela.
Ezinye izinketho zokukhokha ziyi inkokhelo yemali futhi usebenzisa ikhadi lasebhange... Akusebenzi kakhulu ukukhokha imali ebolekiwe eQiwi ngokheshi, ngoba kulokhu kuzodingeka uye ehhovisi lombolekisi.
Ngakho-ke, akunzima ukuthola imalimboleko esikhwameni seQiwi futhi ungakwenza ngokushesha okukhulu nge-Intanethi. Ukwenza lokhu, kwanele ukwazi i-algorithm yezenzo okuzodingeka zenziwe. Sikweluleka futhi ukuthi ufunde i-athikili yethu yokuthi kanjani futhi kuphi okungcono ukuthatha imali mboleko ekhadini ngokushesha ubusuku nemini ngaphandle kokwenqaba online.
4. Ungatholaphi imali mboleko yesikhwama seQiwi ngaphandle kokwenqaba khona manjalo online - ukubuka konke kwe-TOP-5 MFOs esebenza ubusuku nemini (24/7) 💳
Namuhla inombolo enkulu yezinhlangano zezimali ezincane nikela ukuthola imalimboleko / imalimboleko esikhwameni seQiwi ngaphandle kokwala futhi ngaphandle kokubheka umlando wakho wesikweletu online.
Ungayikhetha kanjani iMFI ukuthola imalimboleko esheshayo online kuQiwi ngaphandle kokwenqaba nokuqinisekiswa kweCI?
Ukukhetha omunye wababolekisi abahamba phambili kungaba yinkohliso. Ngakho-ke, kuyasiza ukunaka uhlu lwama-MFIs ahlanganiswe ngongoti futhi athulwe ngezansi.
1) Isikhathi
IZimer ikuvumela ukuthi uthole imali khona manjalo esikhwameni seQiwi enanini lika kufika kuma-ruble angama-30,000... Ukuze wenze lokhu, kwanele ukukhombisa isikhathi nenani lemalimboleko, kanye nokufaka idatha encane yedatha yomuntu siqu ngendlela ekhethekile. Imali etholakele kuzofanele ibuyiselwe imali engaphezulu kwe- 30 izinsuku.
Isinqumo sokukhipha imali mboleko siyenziwa ngesikhathi 5 imizuzu... Lokhu kwenziwa ngemodi ezenzakalelayo - ngerobhothi. Le ndlela ikuvumela ukuthi uboleke imali ngesikhathi lapho uyidinga - nganoma yisiphi isikhathi sosuku nezinsuku eziyisikhombisa ngesonto.
2) IKredito 24
IKredito 24 kuyindlela esheshayo futhi elula yokuthola imalimboleko. Ngasikhathi sinye, awudingi ukuqoqa izitifiketi ezingadingekile, unikeze impahla njengesibambiso, futhi uhehe nabaqinisekisi.
Kulula ukufaka isicelo semalimboleko lapha - vele uthathe izinyathelo ezi-3:
- gcwalisa ifomu kuwebhusayithi;
- linda isinqumo sombolekisi;
- thola imali esikhwameni seQiwi.
I-MFI eyethulwayo inikeza ukuthola imali mboleko kufika kuma-ruble angama-30,000 isikhathi kusuka 7 ngaphambi 30 izinsuku.
Kodwa-ke, kufanele kukhunjulwe ukuthi kumakhasimende amasha inani lemalimboleko lilinganiselwe kunaniAma-ruble ayi-10,000... Uma ngokuzayo imalimboleko ikhokhelwa ngaphandle kwezinkinga, ungathembela ekukhuleni kwemali mboleko engaba khona.
I-Credit 24, lapho iphothula isivumelwano, ayinandaba nomlando wesikweletu walowo obolekayo, kanye nezinhloso zokuthola imali. Ukuze ubhalise udinga idokhumenti eyodwa - ipasipoti... Ngasikhathi sinye, ukungabikho kwemali efihliwe kuqinisekisiwe.
3) IVivus
IVivus - inkampani lapho kwenziwa khona isinqumo ngezicelo ezifakiwe kungakapheli uhhafu wehora... Kulokhu, ukuqedela uhlu lwemibuzo, uzodinga hhayi ngaphezulu 10 imizuzu... Ungathola imali mboleko lapha unepasipoti kuphela.
Amakhasimende azokuthola kusiza ukwazi ukuthi i-MFI emelwe ihlola umlando wesikweletu walabo abangaba ababoleki. Kodwa-ke, ezimweni eziningi, abazinaki izono ezedlule.
IVivus inikeza amaklayenti amasha ukuthi awathole kuze kufinyelele ku-15,000 ruble... Ngokuzayo, esimweni sokugcwaliseka ngesikhathi kwezibopho ezicatshangelwe, inani lemalimboleko elikhona lingakhushulwa.
Ukuze uthole imali esikhwameni seQiwi, imininingwane yayo ayidingeki. Kwanele ukukhombisa inombolo yocingo ephathekayo.
4) ImaliMan
Lapha, isinqumo sithathwa cishe emizuzwini emi-5... Isikhathi esifanayo siyodingeka ukuqedela imali mboleko.
IMoneyMan inikela ngokuboleka kufika kuma-ruble angama-70,000... Kepha kufanele kukhunjulwe ukuthi imali mboleko yokuqala ngeke yeqe 10 000 ama-ruble.
Ukukhula okuphezulu kungukuthi Amaviki angu-18... Uma kungenakwenzeka ukubuyisa imali esikhathini esivunyelwene ngaso, umboleki angasebenzisa insizakalo yokwengeza imali mboleko... Kulokhu, isikhathi sokukhokha singangezwa ngamasonto amane.
Kunezinzuzo eziningi ze-MFI ecatshangelwayo:
- ukwenziwa ngcono kwezimo zokuboleka okuphindiwe;
- ubukhona bamasheya akuvumela ukuthi ukhiphe imali mboleko engenzalo.
5) iLime-Zaim
Umugqa-Zaim isebenza ezimakethe zezezimali kusukela ngo-2013. Ngesikhathi esifushane, inkampani ikwazile ukuzakhela idumela eliphakeme futhi yazuza ukwethenjwa kwenani elikhulu lezakhamizi.
Inkampani ikhipha imali cishe ngemizuzu eyi-10... Kulabo abafake isicelo lapha okokuqala, kunethuba lokuthatha kufika kuma-ruble ayi-5 000... Uma imalimboleko eminingana ikhokhwa ngesikhathi, kunethuba lokuthola Isimo seklayenti le-VIP... Lokhu kuholela ekwehleni kwesilinganiso kanye nokwenyuka kwenani lemali mboleko ephezulu.
Kule nhlangano eyethulwayo, noma ngubani osevele ephendukile angaboleka isikhwama semali seQiwi 20 iminyaka. Iminyaka yobudala ebolekiwe isethwe ngaphakathi 90 iminyaka. Kukhokhiswa iphesenti ngokusetshenziswa kwezimali 0.8 kuya ku-2.14 nsuku zonke.
Ngokuqhathanisa okulula kwama-MFIs wethuliwe, ungasebenzisa ithebula elingezansi.
Ithebula lezimo zokuhlinzekwa kwemali mboleko kuQiwi Wallet ezinhlanganweni ezahlukahlukene zezimali ezincane:
| № | Igama le-MFO | Inani eliphakeme lemalimboleko, ama-ruble ayizinkulungwane | Izinga lenzalo | Isikhathi sokubuyisa |
| 1 | Zimer | 30,0 | 1.90% nsuku zonke | 21 izinsuku |
| 2 | Kredito24 | 30,0 | 1.90% nsuku zonke | Kuze kube yizinsuku ezingama-30 |
| 3 | IVivus | 15,0 | Kusuka ku-1.10% nsuku zonke | Izinsuku ezingama-28 |
| 4 | ImaliMan | 70,0 | 1.85% nsuku zonke | Amaviki angu-18 |
| 5 | ILime-Zaim | 20,0 | 0.80-2.14% ngosuku | Izinsuku ezingama-90 |
Kundatshana ehlukile, bona futhi ukuthi yiliphi ibhange ongathatha kulo imalimboleko ngomlando wesikweletu esibi ngaphandle kwezitifiketi zengeniso kanye nabaqinisekisi.
5. Ungayibuyisa kanjani i-microloan etholwe esikhwameni se-Qiwi - izindlela ezi-4 ezihamba phambili 💸
Lapho ukhipha i-microloan yesikhwama se-Qiwi, kubalulekile ukucacisa kusengaphambili ukuthi yiziphi izindlela ezitholakalayo zokuyibuyisa. I-MFI ngayinye inikeza uhlu lwayo lwezindlela ezitholakalayo, noma kunjalo, okwendabuko nokuhamba phambili phakathi kwabo, ngokusho kwabezimali, kuchazwe ngezansi Izinketho ezi-4 zokubuyiselwa kwemali mboleko.
Indlela 1. Ukukhokha nge-Qiwi Wallet
Le ndlela iyinzuzo kakhulu. Iqiniso ngukuthi lapho ukhokha isikweletu esitholwe ngemali yeQiwi usebenzisa isikhwama esifanele ayikho ikhomishini ekhokhiswayo... Kodwa-ke, lokhu kuzodinga ukuthi inani elidingekayo lalisohlelweni lokukhokha.
Bambalwa kakhulu abe nokugeleza kwemali okujwayelekile okuvela ngaphandle. Ngakho-ke, kuzodingeka ufune indlela yokugcwalisa isikhwama sakho semali. Kungenzeka ikhadi lasebhange noma Isikhumulo... Lapho imali isesikhwameni semali, kwanele ukuyifaka nokudlulisa inkokhelo ngokuya ngemininingwane yomuntu obolekayo.
Indlela 2. Ngekhadi lasebhange
Kunezindlela eziningana zokukhokha isikweletu usebenzisa ikhadi lasebhange... The elula futhi enokwethenjelwa - kusetshenziswa ikhabethe kuhlelo lokubolekwa kwemali.
Uma ngasizathu simbe le nketho ingatholakali, ungadlulisa imali usebenzisa ibhange le-inthanethi noma ukuvakashela igatsha lesikhungo sezikweletulokho kukhiphe ikhadi. Kodwa-ke, kuleli cala, kuzofanele ucacise kusengaphambili ukuthi yimiphi imininingwane imali okufanele idluliselwe kuyo.
Indlela 3. Ukudluliswa kwebhange
Le nketho ilula ngoba ayidingi ukuxhumana kwe-Intanethi. Kepha kukhona nokubi kule nketho yokukhokha.
Ububi bokusebenzisa ukudluliswa kwebhange ukukhokha imali mboleko:
- Kuzofanele sivakashele igatsha lebhange eliseduze.
- Uzodinga imininingwane yombolekisi nenombolo yenkontileka.
- Ukuba khona kwekhomishini kungenzeka (noma ngabe kunqunywa noma cha kunqunywa yimibandela yebhange lapho kudluliswa khona).
Lapho ukhokha isikweletu ngokudluliswa kwebhange, kubalulekile ukukhumbula ukuthi imali izodinga 1-2 izinsuku zokusebenza... Ngasikhathi sinye, ukuthola imali kungakafiki isikhathi ku-MFO kugcwele inhlawulo... Konke lokhu kufanele kubhekwe lapho kukhethwa usuku ozoludlulisa.
Indlela 4. Usebenzisa uhlelo lokukhokha oxhumana naye
Ochwepheshe beluleka ukusebenzisa le nketho kuphela uma ingekho enye indlela yokukhokha.
Ububi bokusebenzisa i-Contact system bunje:
- kuzofanele uthinte ihhovisi elenza ukuhumusha okuhambisanayo;
- Imininingwane yombolekisi izodingeka;
- ezimweni eziningi, kukhokhiswa ikhomishini.
Ngakho-ke, kunezindlela eziningana zokukhokha imali mboleko etholwe esikhwameni seQiwi. Iklayenti ngalinye kufanele lifunde ngokucophelela izinketho ezitholakalayo bese likhetha elibonakala lilungele kakhulu kuye.
Imiphumela eyinhloko yokungakhokhelwa kwemali mboleko esikhwameni seQiwi
6. Kuzokwenzekani uma ungasikhokhi isikweletu seQiwi ngesikhathi - imiphumela emi-5 kulowo obolekayo 🔔
Ukuqinisekisa isifiso sakhe sokufaka isicelo semalimboleko ku-QIWI, iklayenti liyavumelana nemigomo ebekwa ngumbolekisi.
Uma umboleki enqaba ukufeza izibopho zakhe, lokhu kuzofaka imiphumela eminingi. Kulokhu, unswinyo lapho okubolekwa khona kubekwa ekuziphatheni kwalowo obolekayo, izimo ezikhona, kanye nosayizi wesikweletu.
Ngezansi sizocubungula ngokuningiliziwe imiphumela evela ngokungalandelwa komboleki ngemigomo yesivumelwano semalimboleko.
Umphumela 1. Izinhlawulo
Isilinganiso sokuqala umbolekisi asebenza kuso uma kwenzeka engakhokhi imalimboleko ekhishwe nguye ukutholwa yinhlawulo. Uma umboleki ekhokha isikweletu ngokushesha ngemuva kwalezo unswinyo, izinyathelo ezinzima kakhulu ngeke zilandele.
Umphumela 2. Ukukala kwesilinganiso
Uma, nangemuva kokubala inhlawulo, okweletayo angafuni ukukhokha isikweletu, i-MFI inelungelo lokukhuphula inani lenzalo ngesijeziso... Usayizi wayo omkhulu ungafinyelela 0,1% inani lesikweletu.
Umphumela 3. Ukuheha kwabaqoqi
Ukuqhubeka nokuziba isimangalo esisemthethweni sombolekisi sokukhokha isikweletu kungaholela ekudlulisweni kuma-ejensi wokuqoqa... Izinhlangano ezinjalo zingongoti ekubuyiselweni kwezikweletu futhi zinezindlela zazo zokufaka ingcindezi kubaboleki abanganaki.
Umphumela 4. Ukudluliselwa kwecala enkantolo
Ezimweni lapho ngisho nabaqoqi behluleka ukukholisa okweletayo ukuthi abuyise imali ebolekiwe, umbolekisi unelungelo lokuyisa icala enkantolo.
Ngokuya ngemiphumela yesivivinyo, kuzothathwa isinqumo ngesidingo sokukhokha isikweletu. Uma ingagcwaliseki esikhathini esibekiwe, lolu daba luzongenelela abasizi besikhonzi senkantolo.
Umphumela 5. Ukudluliswa kolwazi ku-credit bureau
Ezimweni eziningi, imininingwane ngezinkinga zokukhokhwa kwezikweletu idluliselwa kwi-credit bureau. Lokhu kuholela eqinisweni lokuthi ngokuzayo, kungenzeka ukuthi kuhlelwe imali mboleko entsha ebhange nakwi-MFI. akunakwenzeka.
Ungakhohlwa ukuthi izinhlangano eziningi ze-microcredit zivumela amaklayenti azo ukuthi azisebenzise inkonzo yokuvuselela uma kungenzeki ukukhokha isikweletu ngesikhathi esifanele. Kulokhu, isikhathi sokukhokha sizobuye sihlehliswe, futhi obolekayo uzokwazi ukukhokha isikweletu.
7. Uma kungekho lutho lokukhokha imali mboleko esikhwameni se-QIWI - isisombululo senkinga ngezigaba ezi-3 ✅
Ngemuva kokukhipha imicroan, izimo kungenzeka zingavuni obolekayo. Kungase kungabi khona imali yokukhokha isikweletu. Kodwa-ke, kunoma yisiphi isimo, umuntu akufanele acashe kumbolekisi ngenkinga.
Kubalulekile ukuqonda!Ngokushesha lapho i-MFI yaziswa ngesikhundla salowo obolekayo, aba maningi amathuba okuthi umbolekisi azozama ukusiza ukuxazulula inkinga.
Uma kungenakwenzeka ukufeza izibopho ezicatshangelwe ngesikhathi, umboleki angahle xazulula inkinga ngezinyathelo ezi-3.
Isigaba 1. Ukwazisa umbolekisi ngenkinga
Ngokushesha lapho umboleki etshela umbolekisi ngezinkinga ahlangabezane nazo, maningi amathuba okuthi kuzofinyelelwa ukuqonda.
Ekhuluma ngesimo esikhona manje, okweletayo ukubeka kucace ukuthi unezinkinga, kepha akasenqabeli isikweletu. Lokhu kuziphatha kuvame ukudala ukwethenjwa... Kepha ungakhohlwa ukuthi isici somuntu sidlala indima enkulu ezimweni ezinjalo.
Kulokhu, umyalezo ungathunyelwa ngendlela yomlomo... Noma kunjalo, kusengcono ukuyikhipha. ngendlela ebhaliwe... Uma kunesidingo samacala kamuva, leyo ncwadi ingaba wusizo olukhulu.
Isinyathelo 2. Ukucaciswa kwesimo sezezimali
Umbolekisi kufanele azi ukuthi yibuphi ubunzima umboleki abenabo obuholele enkingeni yokukhokha isikweletu. Uma kunokwenzeka, kufanele kubhalwe phansi ubunzima.
Ukufakazela ubunzima ohlangabezana nabo nokukhokhwa kwemali mboleko, ungasebenzisa:
- okukhishwe emlandweni wezokwelapha okuqinisekisa ukuthi umboleki usesibhedlela;
- imibhalo evela emsebenzini eqinisekisa ukuncishiswa kwabasebenzi nobunye ubunzima;
- eminye imibhalo eqinisekisa ukuwohloka kwesimo sezezimali.
Isifiso somuntu okweletayo sokucacisa ubunzima bezinto ezibonakalayo obuvelile siqinisekisa ukuthi akakubalekeli ukukhokha isikweletu. Ukuba khona kwemibhalo esekelayo kusiza ukufakazela ukuthi empeleni obolekayo unezinkinga.
Isigaba 3. Ubufakazi bokuseshwa kwezixazululo zenkinga
Akwanele ukuthi obolekayo afakazele ubunzima. Futhi, okweletwayo kufanele afakazele ukuthi okweletayo uzama ukuthola izindlela zokunqoba ubunzima bezezimali.
Uma kungenzeka ukukholisa i-MFI ukuthi ubunzima buzoxazululwa maduze, umboleki nakanjani uzohlangatshezwa maphakathi. Ithuba lokuzuza ukuhanjiswa noma amaholidi esikweletu kuzokwanda.
Obolekayo akumele akhohlwe lokho, ngokungafani nokubhangai-microcredit ayikho ngaphansi kwemigomo eqinile yomthetho... Ngakho-ke, imvamisa ubudlelwano obuphakathi kokweletwayo nomkweletu budlula inkontileka. Udinga ukwazi ukusebenzisa lokhu bese uzama ukuthola ulimi oluvamile ukuze unciphise izinyathelo ngokuqondene nokubambezeleka.
Iseluleko esisebenzayo sokuthi ungakugwema kanjani ukuba yisigqila sesikweletu ezweni lanamuhla
8. Ungangeni kanjani ebugqilini besikweletu - izeluleko ezi-7 eziwusizo ezivela kochwepheshe 💡
Ababoleki kufanele ngomqondo ovulekile hlola amakhono akho wezezimali. Akufanele ufake isicelo sama-microloans esikhwameni se-Qiwi uma singekho isidingo esiphuthumayo saso. Uma inkinga ingalinda kuze kufike umholo, kufanele ukuhlehlisa isixazululo.
Ochwepheshe bezimali bahlinzeka ngamathiphu amaningi kubaboleki ukugwema ukuboshwa kwesikweletu impilo yonke.
Ithiphu 1. Imibandela yesivumelwano semalimboleko kufanele ifundwe ngokucophelela ngangokunokwenzeka
Wonke umuntu uyazi ukuthi ukungazi umthetho akumkhululi umuntu kusukela ekuqaleni kwesibopho. Kodwa-ke, akuyena wonke umuntu okhumbulayo ukuthi lokhu kusebenza nasezivumelwaneni zemalimboleko.
Ungakhohlwa, noma ngabe umboleki enganakanga kunoma yisiphi isigatshana sesivumelwano, kusazodingeka ube nomthwalo ngaso. Ngakho-ke, isivumelwano semalimboleko kufanele sifundwe ngokucophelela ngangokunokwenzeka.
Ngaphambi kokuqinisekisa ukuphela kwenkontileka, kubalulekile funda ngokuphelele (ngisho nalezo zinto ezikhonjiswe ngaphansi kwe-asterisk ngamagama amancane). Kuyafaneleka futhi ukubheka ukuthi izimo zemalimboleko ezichazwe esivumelwaneni ziyahambisana nohlelo olukhethiwe.
Ithiphu 2. Kubalulekile ukukhetha imali efanele okuyokhishwa ngayo imali mboleko
Abanye ababolekayo bakholelwa ukuthi kuhle ukuhlela imalimboleko ngemali yakwamanye amazwe, ngoba amanani kuleli cala aphansi. Kodwa-ke, bakhohlwa ukuthi inkambo ishintsha njalo. Uma imali etholwa ngama-ruble, kunengozi enkulu yokuthi inani lokukhokha maqondana nenani leholo lingakhuphuka kakhulu.
Ukukhula kwesilinganiso sokushintshana kungaholela kokukhulu ukwanda ukukhokhelwa ngokweqile... Lesi simo singaholela ekonakaleni kwesimo sezezimali salowo obolekayo.
Ithiphu 3. Ukuxhaswa kabusha kufanele kugwenywe
Imvamisa, ukufaka isicelo semalimboleko ukukhokha esikhona manje kuholela ekuwohlokeni kwesimo sezezimali. Ngakho-ke, ngaphambi kokuvuma iziphakamiso ezinjalo, kufanele uhlaziye kahle isimo samanje.
Kuyafaneleka ukuvuma ekubolekiseni ngemali kuphela bese, lapho ingekho enye indlela yokuphuma esimweni samanje... Ngokufanelekile, ukuphinda unike imali kufanele kuholele ekongeni futhi kuguqule imigomo yemalimboleko iye kokuhle kakhulu.
Ithiphu 4. Awukwazi ukuqoqa isikweletu
Ukuqoqwa kwezikweletu kuholela ekuqongeleleni isijeziso futhi inhlawulo... Ngokwemvelo, umphumela wukwanda komthwalo wezezimali kusabelomali somndeni.
Inani lesikweletu lizokwenyuka nsuku zonke okungenani 1%... Kulesi simo, lokho kwanda ngeke kwenziwe ngemali oyitholile ekuqaleni, kodwa kuzokwenziwa esikweletini esiphelele. Ngenxa yalokho, isikweletu sikhula njengebhola leqhwa.
Ithiphu 5. Khokha izikweletu ngesikhathi
Awungeke uthathe ngokungakhathali mayelana nezibopho zesikweletu osithathile. Lokhu kungaholela ekutheni lowo obolekayo angene ogibeni lwezikweletu. Kuzoba nzima kakhulu ukulungisa isimo kuleli cala.
Kubalulekile ukulwela ukukhokha ngesikhathi esifanele. Uma ngasizathu simbe kungenzeki ukukhokha isikweletu ngesikhathi, kufanelekile ukwazisa okweletwayo ngakho.
Ezimweni eziningi, uma ungacasheli esikhungweni sokubolekisa, ingahlangabezana nomboleki maphakathi. Njengezinyathelo zokuthuthukisa isimo, ukuhlehlisa futhi amaholidi esikweletu.
Ithiphu 6. Udinga ukufaka isicelo semalimboleko kuphela ezinkampanini ezethembekile
Ungabambisani nama-MFIs angathembekile. Njengababolekisi, kufanele ukhethe izinhlangano ezidumile ezinedumela elicwebezelayo. Ngaphezu kwalokho, kumele basebenze ezimakethe zezezimali isikhathi eside.
Into engcono kakhulu NGAPHAMBIukubhaliswa kwemali mboleko funda ukubuyekezwa kwamakhasimende mayelana nenkampani, xhumana ezinkundleni ezikhethekile. Ezihlokweni eziningi ezihlobene nokuboleka, ungabuza imibuzo mayelana nokucacisiwe kokubolekwa kwenkampani ethile.
Ithiphu 7. Kufanele uqaphele ukuthembela kwisikweletu
Kwabaningi abahlela njalo ukubolekwa kwemali, lokhu kuba umkhuba. Abantu abanjalo bathatha imali mboleko kaningi, bajwayela ukuphila ngaphezu kwamandla abo. Lokhu kuziphatha kuvame ukuholela ekwandeni kwesikweletu.
Ukuze ungaweli ebugqilini besikweletu, kubalulekile ukuthola imali mboleko kuphela lapho uyidinga ngempela. Uma isixazululo senkinga yezezimali singahlehliswa, kungcono uthathe isikhathi sakho ulinde kuze kutholakale umholo.
Ngaphezu kwalokho, umuntu kufanele afunde ukuhlela kahle isabelomali somndeni, alwele ukuqinisekisa ukuthi izindleko zingaphansi kwemali engenayo.
9.I-FAQ - Imibuzo Ebuzwa Njalo 📚
Ukuthandwa kwemali mboleko ku-Qiwi wallet kukhula njalo. Ngasikhathi sinye, akuwona wonke umuntu onolwazi olwanele lwezezimali lokuthola imalimboleko emincane ngaphandle kwezinkinga.
Konke lokhu kuholela eqinisweni lokuthi ngesikhathi sokubhaliswa kuvela inani elikhulu lemibuzo. Ukuthola izimpendulo kuzo kungathatha isikhathi esiningi esiyigugu. Ngakho-ke, ekugcineni kokushicilelwa, ngokwesiko sazama ukucacisa amaphuzu iningi lababoleki bezintshisekelo.
Umbuzo 1. Ngingasitholaphi isikweletu esiphuthumayo sesikhwama seQiwi ngaphandle kokwenqaba ngokushesha online ngaphandle kwekhadi lasebhange, kuphela nepasipoti?
Izimali mboleko ku-Qiwi wallet ziya ngokuya zanda namuhla. Incazelo ilula - le nketho yokubolekisa ilula futhi kulula ukuyisebenzisa. Ungabakhipha ngokushesha okukhulu, wonge isikhathi esiningi.
Ukuze uthole imali ngesikweletu ngale ndlela, awudingi ngisho nekhadi lasebhange. Kwanele ukuba nakho ipasipoti... Ngaphezu kwalokho, ngaphezu kwe irisidi yemalimboleko esheshayo kukhona ezinye izinzuzo: kungenzeka ukwandiswa, isilinganiso esamukelekayo.
Ama-microloans asheshayo kwizikhwama zeQiwi ubusuku nemini ngaphandle kokwenqaba kwepasipoti kwimodi eku-inthanethi
Ngezansi kunama-MFIs anemigomo evumelana kakhulu yokubolekwa kwemali nge-e-currency Qiwi:
- Zaimberi ikuvumela ukuthi uthole imali ngokushesha okukhulu futhi kalula. Ungagcwalisa uhlelo lokusebenza ngesikhathi 3 imizuzu... Ngasikhathi sinye, umphumela wokucatshangelwa kwesicelo awuxhomekile kumlando wesikweletu, isinqumo esihle senziwa kumacala angama-99%.
- U-Ezaem iqinisekisa cishe ukuvunywa okungu-100%. Lokhu kwenza le nkampani ihehe kulabo abanedumela elibi lesikweletu. Ubuhle be-Ezaem ukuthi imali mboleko elandelayo iyacutshungulwa ngesaphulelo cishe 50%.
- ICashrussia ucela ukuthola imali mboleko esikhwameni seQiwi ubusuku nemini nezinsuku eziyisikhombisa ngesonto (24/7). Ukuthuthukiswa okujwayelekile kwezimo zesikweletu kunikezwa kumakhasimende ajwayelekile. Imali mboleko elandelayo elandelayo iyakhishwa ngenani elikhulu ngenani eliphansi.
Lapho ufaka isicelo ku-inthanethi kunoma iyiphi i-MFI, kubalulekile ukukhumbula ukuthi kubalulekile ukwethembeka ngangokunokwenzeka. Uma kwenzeka Namathisela i-akhawunti yokuxhumana nabantu ku-akhawunti yakho, ngoba kuleli cala amathuba esinqumo esihle azokwanda.
Awekho amaphutha futhi ukungahambelani ohlwini lwemibuzo futhi ikuvumela ukuthi uqinisekise ngokuzethemba imalimboleko esheshayo yemali edingekayo.
Uma isicelo sakho senqatshwa, akufanele ucasuke. Kungenzeka ukuthi amanye ama-MFIs anemigomo ethembekile yokuhlola ababoleki.Ngakho-ke, akufanele wesabe ukufaka isicelo kwezinye izinkampani.
Ukuze wonge isikhathi, unga gcwalisa uhlu lwemibuzo kumasayithi amaningana ngasikhathi sinye... Uma kuvunyelwe izinkampani ezingaphezulu kweyodwa zezikweletu, kuzokwanela ukukhetha eyodwa lapho imibandela yamukeleka ngokwengeziwe.
Umbuzo 2. Kungenzeka yini ukuthola i-microloan online kuQiwi kumuntu oyimfihlo?
Kuyasiza ukwazi ukuthi i-microloan yesikhwama se-Qiwi ingatholwa hhayi kuphela ngokuxhumana nenhlangano yemali encane. Namuhla, ungathola futhi imali mboleko ngokuxhumana umuntu wangasese... Funda kabanzi mayelana nemalimboleko yangasese ku-athikili ehlukile "Imalimboleko evela kubantu abangayitholi".
Ngokwesiko, ababolekisi kuleli cala yizakhamizi ezinezimali zamahhala ezifuna ukutshala imali ukuze zenze imali. Kepha ungakhohlwa ukuthi ukuboleka ngabantu ngabanye kuyingozi kakhulu kunama-MFIs.
Namuhla, kunenani elikhulu lokunikezwa kwi-Intanethi ukuthola imali mboleko yemali yeQiwi evela kumuntu oyimfihlo. Kodwa-ke, akukuhle ukusebenzisana nababolekisi abafuna ababolekisi. ezinkundleni zokuxhumana noma kumasayithi angasolisayo... Lapha amathuba okuhlangabezana nenkohliso aphezulu kakhulu.
Kusebenza kahle kakhulu ukusesha ezinkundleni ezikhethekile... Lapha, phakathi kwezinye izinto, ungafunda ukubuyekezwa kwabanye ababoleki abathole imalimboleko kumtshalizimali othile.
Ukuthola imalimboleko ngengcuphe ephansi, kubalulekile ukukhumbula umthetho owodwa. Awukwazi ukuthumela imali ekhokhelwa kusengaphambili kumbolekisi.
Imvamisa, imfuneko yokukhokha kusengaphambili ibekwa phambili ngokunembile abakhwabanisi... Basho ukuthi okokuqala udinga ukuthumela imali njengekhomishini yokuqedela isicelo, bese kuthi imali yemalimboleko idluliselwe kumboleki. Kodwa-ke, kaningi, izakhamizi ezingenalwazi, zithumele imali, azitholi lutho.
Umbuzo 3. Ngingasitholaphi isikweletu esisheshayo sesikhwama seQiwi ngaphandle kokwala eMoscow?
Ungathola imali mboleko yesikhwama kuhlelo lokukhokha lweQiwi cishe kunoma iyiphi i-MFI. Njengoba iningi lazo lisebenza online, izinsizakalo zalowo nalowo ziyatholakala kumaMuscovites.
Ngokwemvelo, kuzofanele wenze imizamo eminingi ngaphambi kokufaka isicelo semalimboleko. Kuyadingeka ukuthi ujwayelane nezinkampani ezisebenza emakethe, ufunde ngokunikezwa kwazo, uqhathanise nemibandela. Ukuthola kungenziwa kube lula ngokusebenzisa uhlu lwama-MFI ahlanganiswe ngabachwepheshe bezezimali.
Ngezansi kunezinkampani ezithandwa kakhulu ngemali encane.
1. I-Ezaem
Kule nhlangano yezimali ezincane ungaboleka kuze kufinyelele ku-6,000 ruble... Isikhathi esiphezulu sokubuyisa ngu- Izinsuku ezingama-30, inani lenzalo lisethwe ku- 2% ngosuku.
Ngasikhathi sinye, i-E-zaem iqinisekisa inani eliphansi lokulahlwa kwezicelo ezifakiwe. Iminyaka yobolekayo ingaba sebangeni kusukela eminyakeni engu-18 kuya kwengu-70 ubudala.
2. UmuntuMali
IMoneyMan yinhlangano yemali encane ekuvumela ukuthi uhlele imalimboleko kwelinye lamanani aphansi - kuphela u-0.75% ngosuku... Futhi lokhu akuyona inzuzo yodwa. Isikhathi esidingeka ngaso ukubuyisa inani elitholakele singesinye esikhulu kunazo zonke emakethe ye-microcredit - Izinsuku eziyi-126.
Enye inzuzo yeMoneyMan kungenzeka ukubuyiselwa imali kancane kancane, okukuvumela ukuthi uhlele isabelomali sakho ngendlela efanele ngangokunokwenzeka. Inani lemalimboleko kule MFO lingaphakathi Ama-ruble ayi-1,500 - 8,000.
3. ICashRussia
ICashRussia yinkampani engathandwa kangako. Kodwa-ke, izimo ezinhle zokubolekwa kwemali azikuvumeli ukuthi udlule kuzo. Inani lemali mboleko kuCashRussia ngu kusuka kuma-ruble angu-3 000 kuya ku-15,000.
Uhlelo lokusebenza lubhekelwa ubuningi bemizuzu engama-20, kepha imvamisa kakhulu imiphumela yaziwa ngaphambi kwesikhathi - cishe ngaphesheya 2 imizuzu... Kulokhu, isilinganiso somboleki ngamunye sisethwe ngakunye.
4. IPlatiza
UPlatiza unikela ukuhlela imalimboleko yale mali kuze kufinyelele ku-15,000 ruble... Isicelo asithathwa njengedlula imizuzu eyi-5.
Kuzofanele ukhokhe isikweletu kungakapheli inyanga eyodwa... Izinga lenzalo linqunywa ngakunye. Labo abafake izicelo abanenkinga encane kumlando wabo wesikweletu kufanele balungiselele ukwanda kwenzalo.
5. Thembeka
I-MFO ngokuthembekile inikeza ukuthola kusuka ku-1 000 kuya ku-8,000 ruble ngaphansi 1,9% nsuku zonke... Enkampanini okukhulunywa ngayo, isikhathi sokubuyisa sifushane - Ingqikithi 15 izinsuku... Kodwa-ke, lokhu kukuvumela ukuthi wonge kakhulu, ngoba ukukhokha ngokweqile ngembuyiselo esheshayo kuzoba kuncane.
6. Boleka Kalula
Enkampanini Imalimboleko Simply, isilinganiso semalimboleko sisethwe ngokususelwa kumlando wesikweletu owedlule. Kumakhasimende ajwayelekile akhokhele imalimboleko lapha amahlandla amaningi ngokuthembeka, umkhawulo wesikweletu uyatholakala ngenani le- Ama-ruble ayi-15,000ukubuya kungakapheli inyanga eyodwa... Ungathola imalimboleko ku-MFI eveziwe vele kusukela eminyakeni engu-18.
7. E Iklabishi
Le nkampani yemali encane izokwazi ukuboleka kuze kufinyelele ku-15,000 ruble... Usayizi wezinga lenzalo, njengakwezinye izinhlangano eziningi, unqunywa ngamunye. Okokuqala, le nkomba ithonywa umlando wesikweletu.
Isikhathi esiphezulu sokubuyiselwa sisethwe ku- Izinsuku ezingama-21... Iminyaka yobolekayo ingaba ngaphakathi kusuka eminyakeni engama-21 kuya kwengama-74 ubudala... Izimo ezinhle kakhulu zokubolekwa kwemali ziyatholakala kumakhasimende ajwayelekile.
Ngaphandle kokuthi i-Intanethi ikuyo yonke indawo namuhla, ababoleki abaningi basathanda ukufaka izicelo zemalimboleko ngokuxhumana negatsha le-MFI. Ngakho-ke, ithebula elingezansi likhombisa amakheli amagatsha enkampani ngayinye echazwe eMoscow.
Amakheli amagatsha aseMoscow ezinhlangano zezimali ezincane:
| № | Ama-IFIs | Ikheli |
| 1 | I-Ezaem | UZemlyanoy Val Street, 33 |
| 2 | ImaliMan | Umgwaqo uBarclay, 6 |
| 3 | UPlatiza | Lane Monetchikovskiy yesihlanu, isakhiwo 16, ihhovisi 2 |
| 4 | Thembeka | Umgwaqo uPolkovaya, indlu 3, isakhiwo 4 |
| 5 | Boleka Kalula | Starokashirskoe onguthelawayeka, 2, isakhiwo 2 |
| 6 | E Iklabishi | I-Presnenskaya embankment, i-12 |
Umbuzo 4. Kungenzeka yini ukuthola imali mboleko ye-Qiwi wallet ngaphandle kokubheka umlando wakho wesikweletu?
Kunezizathu eziningi zokuthi kungani abantu abaningi baseRussia benomlando wesikweletu owonakele. Umphumela uvame ukufana - cishe akunakwenzeka ukuthola imali mboleko entsha. Kungakho umbuzo uvame ukuvela, kungenzeka yini ukuthi ngokomthetho ube umboleki uma esikhathini esedlule bekunezinkinga ngokukhokha izikweletu.
Eqinisweni, impendulo ilula - akukho okungenakwenzeka... Kodwa-ke, kulokhu, kuzodingeka wenze umzamo omkhulu kakhulu. Ngezansi kukhona izincomo zendlela yokuthola imalimboleko ngomlando wesikweletu esibi.
Uma izinto zimbi ngempela ngedumela lakho, akunasisekelo ukuxhumana nebhange. Ukubheja kwakho okuhle ukuzama ukuboleka imali ezinhlanganweni zezimali ezincane. Ngasikhathi sinye, kufanelekile ukuthumela izicelo ezinkampanini ezintsha ezingaziwa.
Imvamisa, ama-MFI anjalo awahloli umlando wabo wesikweletu, ngoba inhloso yabo enkulu ukwakha idumela ngokukhipha imali mboleko kumakhasimende amaningi ngangokunokwenzeka. Kepha kufanele kukhunjulwe ukuthi ezinhlanganweni ezingaziwa kakhulu zezimali ezincane, imibandela yezikweletu ngokwesiko akuyona ekhanga kakhulu.
Ukuthola imalimboleko, njengakwamanye ama-MFIs, unga xhumana negatsha lenkampani noma gcwalisa isicelo online... Inketho yokugcina incamela kakhulu, ngoba ikuvumela ukuthi wonge kakhulu isikhathi. Ngaphezu kwalokho, kungukusebenzisa i-Intanethi ukuthi ungathola imalimboleko kuQiwi e-currency. Emagatsheni, izimali ngokwesiko zinikezwa ngokheshi.
Funda ngokuthi ungayithatha kanjani i-microloan ekhadini emizuzwini engu-5 ngaphandle kokuhlola umlando wakho wesikweletu ngokuningiliziwe kudaba olukhethekile.
Umbuzo 5. Ngabe kunengqondo ukuthatha imalimboleko ngaphandle kwenzalo esikhwameni seQiwi?
Muva nje, okunikezwayo sekuqale ukubonakala kwi-Intanethi khipha i-microloan ngaphandle kwenzalo ku-Qiwi online... Ngokwemvelo, ukukhangisa okunjalo kudala ukungabaza nokungathembani kulabo ababolekayo, abazibuza ukuthi kungokoqobo kangakanani. Empeleni ukubolekwa ngo-0% AKUSIYO inganekwane. Ake sizame ukuthola imininingwane eminingi lapho ungabathola khona.
Imali mboleko engenzalo ku-QIWI ngo-0%
Isizathu sokuvela kwemali mboleko engenzalo silula kakhulu. Inani elikhulu lama-MFIs lisebenza emakethe namuhla. Ngamunye ulwela ukuheha amakhasimende amaningi ngangokunokwenzeka. Kungakho ababolekisi benza ukuvumelana, behlinzeka ngemigomo ekhanga ngokwengeziwe.
Kodwa-ke, ngaphandle kokuheha kwemali mboleko engenzalo, banokulinganiselwa okuthile.
Imvamisa ezimakethe zezezimali kunama-microloans ku-0% wezinhlobo ezimbili:
- Imalimboleko ikhishwa ngaphandle kwenzalo yeklayenti elifake isicelo kwi-MFO okokuqala. Kulokhu, ungathembela ekungabikho kokukhokha ngokweqile kanye kuphela. Ngale ndlela,imali mboleko yokuqala ku-Qiwi wallet ngeke ibe nenzalo.
- I-microloan engenazintshisekelo iyatholakala kuwo wonke amaklayenti. Noma kunjalo, inani nethemu lokunikezwa okunjalo lilinganiselwe kakhulu.
Kunezizathu ezi-2 zemikhawulo yemalimboleko engenzalo:
- ayikho inhlangano eyodwa yezimali ezincane eyovuma ukusebenza njalo ngaphandle kokwenza inzuzo;
- kunemikhawulo yezomthetho eminikelweni.
Ngokuvamile isikimu sokubhaliswa kwemali mboleko ngaphandle kwenzalo kwenziwe kalula. Obolekayo uthola izimali kumbolekisi ngaphakathi komkhawulo obekiwe isikhathi esithile esibekiwe ngombandela wokuthi ayikho inzalo eyengeziwe.
Kodwa-ke, ngokutadisha inkontileka ngokucophelela, uyabona ukuthi iphesenti lisabekiwe, kepha liyakhokhiswa kuphela esimweni lapho umboleki engakhokhi isikweletu ngesikhathi. Ngamanye amagama, uma kungekho ukukhokha esikhathini okuvunyelwene ngaso, i-MFI izokhokhisa hhayi kuphela isijeziso, kodwa futhi inzalo sonke isikhathi sokusetshenziswa kwezimali.
Kuyavela lokho i-microloan engenazintshisekelo empeleni kuyimali mboleko ejwayelekile enenzalo ehlehlisiwe. Lokho wukuthi, ukungabi khona kokukhokha ngokweqile kungenzeka kuphela esimweni lapho obolekayo egcwalisa izibopho zakhe ngokuthembeka.
Ngokwesiko, lapho kubhaliswa i-microloan engenazintshisekelo, kunezidingo ezilandelayo kulowo obolekayo:
- yobudala hhayi ngaphansi 18 iminyaka;
- Ubuzwe baseRussia;
- ukubhaliswa unomphela endaweni ye-Russian Federation;
- ukutholakala kwemali engenayo yanyanga zonke.
Ukuthola inzalo engenanzalo ngemali ye-qiwi, ngeke kuthathe isikhathi esiningi. Kwanele ukuthola i-MFI efanelekile bese usebenzisa. Ukuzenzakalela okugcwele kokuhlaziywa kwababolekayo okukuvumela ukuthi uthole imali ubusuku nemini, nganoma yiluphi usuku lwesonto.
Ithebula elingezansi likhombisa imigomo yemalimboleko engenzalo enikezwa yizinhlangano ezithandwa kakhulu zezimali ezincane.
Izinhlangano zezimali ezincane kanye nemibandela yazo yokunikeza imali mboleko engenzalo ku-QIWI:
| Igama le-MFO | Uhlelo | Inani lemalimboleko, ama-ruble ayizinkulungwane | Isikhathi semali mboleko | Ubuncane beminyaka yokuboleka | Imibhalo eyengeziwe |
| Еzaem | Imali mboleko yokuqala engenanzalo | 2 kuye ku-15 | Izinsuku ezinhlanu kuya kwezingu-30 | Iminyaka engu-18 | Cha |
| Isikweletu | Imalimboleko ku-0% | 1 – 15 | 1 - 30 izinsuku | Iminyaka engu-18 | Akudingeki |
| Imalimboleko Cent | Uziro nje | 1 kuye ku-7 | Kusuka kusuku olungu-1 kuye kwesonto | Iminyaka engu-18 | Ikhodi yephromo ye-TIN |
Umbuzo 6. Ngingayitholaphi imalimboleko ephuthumayo yama-ruble angama-500-1000 esikhwameni seQiwi ngokushesha?
Abanye ababoleki bafisa ukuthola inani elincane kakhulu lemalimboleko yeQiwi, isibukuze khokhela i-inthanethi... Kodwa-ke, akuwona wonke ama-MFO avumayo ukukhipha imali mboleko engaphansi kwama-ruble ayi-1 000, ngoba inzuzo evela kubo incane kakhulu. Noma kunjalo, izinhlangano ezinjalo zikhona.
Ngokwesibonelo, inkampani E Iklabishi isebenza nanoma yimaphi amaklayenti. Ngakho-ke, lapha ungathatha Ama-ruble angama-500 futhi ngisho nangaphansi... Kulokhu, isikhathi semalimboleko sithi kusuka 1 ngaphambi 3 amasonto, futhi isilinganiso 2 % ngosuku... Imalimboleko ingatholakala ngokushesha ngemuva kokubhekelelwa kwesicelo - cishe emizuzwini emi-5. Ukubolekisa kutholakala kubantu ngabanye kusukela eminyakeni engu-18.
Bheka futhi uhlu lwawo wonke ama-MFIs eRussia anika imalimboleko emincane online ekhadini ngokuphuthumayo ubusuku nemini nge-Intanethi.
10. Isiphetho
Namuhla sizamile ukukutshela ngokuningiliziwe ngangokunokwenzeka ukuthi yini imali mboleko esikhwameni seQiwi, nokuthi kulula kanjani ukuyithola. Ngaphezu kwalokho, sicubungule izinkampani lapho kungenziwa khona ngokushesha futhi kube nenzuzo ngangokunokwenzeka.
Imibuzo yabafundi!
Ngabe wake wathatha izimalimboleko zesikhwama seQiwi ngaphambili? Ngabe unenkinga ethile ngokukhipha i-microloan ku-QIWI nge-Intanethi (online)?
Sifisela abafundi bephephabhuku i-Ideas for Life impumelelo ezindabeni zezezimali futhi sithanda ukunikhumbuza ukuthi ama-microloans angabi yindlela enhle kakhulu yokuxazulula ubunzima besikhashana, kodwa futhi nekhanda. Ngakho-ke, kufanele ubathathe ngokungathi sína ngangokunokwenzeka.
Sizojabula kakhulu uma wabelana ngemibono yakho namazwana wakho ngesihloko sendatshana yanamuhla kumazwana angezansi. Ngikufisela inhlanhla ngikubone maduze!