Ngongole yokhala ndi mbiri yoyipa ya ngongole - malangizo amomwe mungatengere ngongole mochedwa kuti mulipire: njira zisanu ndi ziwiri zosavuta + mabanki omwe sawunika mbiri ya ngongole

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Masana abwino, owerenga okondedwa a Magazini azachuma a Ideas for Life! Mutu wofalitsidwa lero ndi ngongole zokhala ndi mbiri yoyipa ya ngongole. Tikukuwuzani momwe mungatengere ngongole yolipira ndi CI yoyipa ndikutsegulira kuchedwa, komanso ganizirani mabanki omwe sawunika mbiri ya wobwereka.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Mukamawerenga nkhani yomwe yaperekedwa, muphunzira:

Komwe mungatenge ngongole pa intaneti ndi mbiri yoyipa ya ngongole;
Ndi njira ziti zomwe ziyenera kuchitidwa pokonzekera ngongole ya iwo omwe awononga mbiri yawo ya ngongole ndipo adachedwa kubweza;
Omwe mabanki ndi ma MFIs samayang'ana mbiri ya ngongole ya makasitomala.

Kumapeto kwa nkhaniyo, mayankho a mafunso osangalatsa amatumizidwa mwachizolowezi.

Nkhaniyi ikhale yothandiza kwa aliyense amene akufuna kubwereka ndalama ngati ali ndi mbiri yoyipa. Nthawi ndi ndalama. Chifukwa chake, musataye, yambani kuwerenga pompano.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

Udindo	Yerekezerani	Nyamula nthawi	Zolemba malire kuchuluka	Osachepera kuchuluka	Zaka malire	Madeti omwe angakhalepo
1	Zogulitsa	3 min.	RUB 30,000 Onani!	RUB 100	18-65	Masiku 7-21
2	Zogulitsa	3 min.	RUB 70,000 Onani!	RUB 2,000	21-70	Masiku 10-168
3		1 min.	RUB 80,000 Onani!	RUB 1,500	18-75	Masiku 5-126.
4	Zogulitsa	Mphindi 4	RUB 30,000 Onani!	RUB 2,000	18-75	Masiku 7-30
5	Zogulitsa	-	RUB 70,000 Onani!	RUB 4,000	18-65	Masiku 24-140.
6		Mphindi 5.	RUB 15,000 Onani!	RUB 2,000	20-65	Masiku 5-30

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

Udindo	Nyamula nthawi	Zolemba malire kuchuluka	Osachepera kuchuluka	Zaka malire	Madeti omwe angakhalepo
1	3 min.	RUB 30,000 Onani!	RUB 100	18-65	Masiku 7-21
2	3 min.	RUB 70,000 Onani!	RUB 2,000	21-70	Masiku 10-168
3	1 min.	RUB 80,000 Onani!	RUB 1,500	18-75	Masiku 5-126.
4	Mphindi 4	RUB 30,000 Onani!	RUB 2,000	18-75	Masiku 7-30
5	Mphindi 5.	RUB 15,000 Onani!	RUB 2,000	20-65	Masiku 5-30

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Werengani za momwe mungatengere ngongole mwachangu ndi mbiri yoyipa ya ngongole ndi kuchedwa kubweza, komwe mabungwe azobwereketsa samawona CI ya obwereka ndikupereka ngongole popanda kukana - werengani m'magazini ino

1. Zoyenera kuchita ngati mukufunikira kuti mulandire ngongole yolipira patsiku lomwe munalemba mbiri yoyipa ya ngongole? 💡

Munthu wamakono amakumana ndi zochitika zosayembekezereka. Malipiro adachedwa, galimoto idawonongeka, ndalama zimafunikira mankhwala - zonsezi zitha kubweretsa kusaka kwa ngongole. Izi zitha kukhala zovuta kwambiri ngati mbiri ya ngongole yawonongeka kwambiri.

Ngati mukufuna zochepa kwakanthawi kochepa - kwenikweni 5-10 zikwi isanachitike malipiro (kwa milungu ingapo), ndizomveka kulabadira zomwe zimatchedwa alireza... Mutha kupeza zochepa motere kuofesi ya wobwereketsayo mwina mwachindunji kudzera pa intaneti posamutsira ku khadi yakubanki. Tinafotokozera kale mwatsatanetsatane momwe mungatengere microloan pa khadi popanda kukana ndi mbiri yoyipa ya ngongole nthawi yomweyo m'nkhani yathu.

Masiku ano ntchito zofananira zimaperekedwa mabungwe azachuma (MFO)... Kufunika kwakukulu kwa ngongole zoterezi kwapangitsa kuti makampani omwe akuwapereka pamsika awonjezeke. Mndandanda wa ma MFO omwe amapereka ngongole zazing'ono pa intaneti pa khadi kuzungulira Russia akhoza kupezeka patsamba lathu.

Ambiri amaganiza kuti ma MFIs ndichinthu choipa pachuma, akunenaChiwongola dzanja chambiri... Koma pogwiritsa ntchito ma microloans moyenera, atha kuthana ndi zovuta.

Ndi kuwerengetsa kolondola ndi kukwaniritsa mgwirizano pamtengo wocheperako, komanso kubweza ngongoleyo mwachangu, kuchuluka kwa chiwongola dzanja poyerekeza ndi phindu lopeza mwachangu ndalama zitha kuwoneka ngati zazing'ono. Kuphatikiza apo, microloan ndi imodzi mwanjira zochepa zopezera ndalama ngongole. kutengera mbiri yoyipa.

Kulipira kwakukulu kumatha kufotokozedwa mophweka - iyi ndiyo njira yokhayo yamaMFIs yoti atetezere zoopsa zawo. Chiwongola dzanja chokwanira chokha chimalola mabungwewa kuti azigwira ntchito ndi obwereketsa omwe mbiri yawo yangongole yawonongeka mopanda chiyembekezo.

Chiwongola dzanja chachikulu chimalola MFI kukhazikitsa zinthu zokongola:

osiyanasiyana osiyanasiyana obwerekera - nzika zitha kulembetsa ngongole kuyambira zaka 18 ndikukalamba;
palibe satifiketi, guarantors, chikole kapena zolemba zina zofunika;
pafupifupi kulembetsa kwakanthawi - pafupifupi nthawi 15 mphindi;
kulandira ndalama usana ndi usiku, masiku asanu ndi awiri pa sabata;
Kukonza ngongole ndi kuchotsa ndalama pa intaneti;
palibe chifukwa chotsimikizirira kuvomerezeka kwa ntchito;
kuvomerezeka kwakukulu - pafupifupi 95% ya mapulogalamu onse, ndizosatheka kukanidwa

2. Komwe mungalandire ngongole mwachangu osakanidwa ndi mbiri yoyipa yangongole pa intaneti - TOP-7 obwereketsa omwe akupereka zabwino kwambiri

Ngongole zachangu zitha kukonzedwa monga mu MFIsndipo m'mabanki... Pogwiritsa ntchito mapulogalamuwa, mutha kupeza ndalama zomwe mukufuna posachedwa popereka zikalata zochepa. Zomwe zili pansipa 7 mabungwe omwe amapereka zinthu zabwino kwambiri zazing'onozing'ono.

1) 24 Zachuma

Kampani 24 Ndalama imagwira ntchito likulu ndi kupitirira. Apa mutha kupeza ngongole mwachangu kukula kwake mpaka ma ruble 15,000... Kuti mulembetse, mukufunika pasipoti yokha. Ngongole zimaperekedwa kwa anthu okalamba 21-65 zaka. Kulembetsa kudzatenga osatinso Mphindi 15.

Ngongole imaperekedwa ndi chiwongola dzanja pamlingo watsiku ndi tsiku 2%. Ndalamazo ziyenera kubwezedwa mkati 28 masiku. Ngati ndizosatheka kulipira ngongole panthawi, mutha kugwiritsa ntchito ntchitoyo kukonzanso.

2) Opti-Ndalama

Apa mutha kupeza microloan kuchuluka kwake mpaka ma ruble 30,000... Nthawi yayitali kwambiri yomwe muyenera kukwaniritsa udindo wanu - chaka chimodzi... Ndalama zolipirira ndalama ndi 2% patsiku. Lemberani ku Opti-Ndalama angathe aliyense amene watembenuka 18 zaka. Kuyambira pomwe idalembetsa mpaka pomwe ndalama zimalandila, zimatenga osatinso Mphindi 10.

Kampaniyi ili ndi anthu ambiri ogwira nawo ntchito pamsika wothandizira. Chifukwa cha ichi, wobwereka amatha kusankha njira yabwino yobwezera ngongole kwa anthu ambiri omwe akufuna. Mutha kulipira mu nthambi yapafupi ndi kampaniyo, kudzera mu ndalama zamagetsi, kuchokera ku khadi yakubanki.

3) Ndalama zachangu

Kufunsira ngongole mu Ndalama zachangu chikalata chimodzi chidzafunika - pasipoti kapena china chofanana... Panthawi yopereka ngongole, wopemphayo ayenera kukhala ndi osachepera 21 zaka osatinso 70 zaka. Pulogalamuyo itatumizidwa, woyang'anira ngongole awunika. Zitenga osaposa mphindi 5... Ngati mungasankhe bwino, mutha kupeza ndalama kuofesi yapafupi ndi kampaniyo kapena pa khadi lotsegulidwa ku banki iliyonse.

Kukula kwa ngongole kumatha kusankhidwa kuchokera kumtunda kuchokera ku ruble 1,000 mpaka 30,000... Ngongole imaperekedwa pokhapokha ngati ndalama mu 2% patsiku.

Muyenera kusungitsa ndalama zolipira ngongole mkati 16 masiku. Ngati zingachitike kale, kuchuluka kwake kudzawerengedwanso. Pomwe ngongole sizingabwezeredwe munthawi yake, kampaniyo imakulolani kuti mugwiritse ntchito ntchito yowonjezera ngongole.

4) Fastmoney

Pamodzi Fastmoney Mutha kupeza ngongole mwachangu pamalowo kuchokera ku ruble 3,000 mpaka 35,000... Mtengo watsiku ndi tsiku uchokera ku 1,3 kale 2 peresenti. Kuchuluka kwa chiwongola dzanja kumatsimikizika pakuwunikiridwa kwa pempholo, zomwe zimatenga pafupifupi mphindi 15.

Ngongole imaperekedwa kwakanthawi 31 tsiku. Ngati mukufuna, kumapeto kwake, mutha kugwiritsa ntchito ntchito yokonzanso.

5) Promsvyazbank

Ku banki iyi, kuphatikiza pazithandizo zanthawi zonse, mutha kuyitanitsa mgwirizano wamalipiro... Mosiyana ndi zinthu zina zogulitsa ngongole, pankhaniyi, ngakhale iwo omwe ali ndi mbiri yakale ya ngongole atha kuvomerezedwa.

Ngongole pano itha kuperekedwa pamtengo mpaka ma ruble 300,000... Poterepa, mulingo udzakhala 35% pachaka. Njira yolandirira ndalama imatha kukhala yosavuta kwambiri. Kwa ameneyu ayenera perekani khadi ya Promsvyazbank, komwe ndalama zandalama zidzasamutsidwa.

6) Sovcombank

Sovcombank imapereka kugwiritsa ntchito pulogalamu Onetsani Zowonjezera... Zimakupatsani mwayi wobwereketsa ngongole kukula kwake mpaka ma ruble 30,000... Kuti muchite izi, muyenera kupereka chikalata chimodzi chokha - pasipoti... Nthawi yobwereketsa motere sikadutsa chaka chimodzi. Kugwiritsa ntchito kumayang'aniridwa tsiku lomwe liperekedwe.

Malinga ndi pulogalamu ya ngongole, palibe chifukwa choti banki ipereke ndalama, komanso kukopa obwereketsa. Komabe, kugwiritsa ntchito zida zina zowonjezera umboni wa solvency kumatha kukulitsa mwayi wovomerezeka, komanso kupeza mwayi wabwino pangongole.

7) Bank Orient Express

Pali nthambi za bankiyi m'mizinda yambiri yaku Russia. Popanda ma guarantors ndi ziphaso zandalama, apa mutha kupeza ngongole ngati kuchokera ku ruble 25,000 mpaka 200,000... Ndikofunikira kubweza ngongole yobwereketsa mkati 3 miyezi.

A credit institution amakulolani kuti mulembetse ngongole online. Chisankho chake chimapangidwa pasanathe mphindi 5... Aliyense amene watembenuka 26 zaka.

Poyerekeza kufananizidwa kwa ngongole zomwe zaganiziridwa, zambiri zazokhudza iwo zidafotokozedwa mwachidule patebulo:

№	Wokongoza	Kukula kwa ngongole, ma ruble zikwi	Zaka zotheka za wobwereka	Ngongole yayitali	Voterani
1.	*24 Ndalama*	2-15	Zaka 21-65	Masiku 7-28	2% tsiku lililonse
2.	*Opti-Ndalama*	Mpaka 30	18-70 wazaka	Mpaka chaka chimodzi	2% tsiku lililonse
3.	Ndalama zachangu	1 mpaka 30	Zaka 21-70	Masiku 3-16	2% tsiku lililonse
4.	*Fastmoney*	3 mpaka 35	18-65 wazaka	Masiku 7-31	1.3-2% tsiku lililonse
5.	*Promsvyazbank*	Mpaka 30	Zaka 21-65	Masiku 324	1.8% tsiku lililonse
6.	*Sovcombank*	5 mpaka 30	Zaka 21-65	Mpaka chaka chimodzi	Kuchokera ku 25% pachaka
7.	*Bungwe la Orient Express*	25 – 200	26-65 wazaka	Zaka 1-3	Kuyambira 20% pachaka

Mwa njira, ngati mabanki onse ndi ma microloans akukana kukupatsani ngongole, ndiye kuti tikupangira kuwerenga nkhani yathu "Komwe mungapeze ndalama pompano - njira zotsimikizika."

3. Kodi ndizotheka kutenga ngongole kwa anthu osagwira ntchito omwe ali ndi mbiri yoyipa ya ngongole? 📄

Lero, msika wazachuma ku Russia uli ndi mwayi wopeza ngongole ngakhale kwa iwo omwe alibe ntchito yovomerezeka ndipo adatha kuwononga mbiri yawo yangongole. Koma pakadali pano, mabanki adzakanidwa.

Chifukwa chake, muyenera kulumikizana mabungwe azachuma... Chowonadi ndichakuti samayang'ana mokwanira momwe angabwereke ngati mabungwe ena obwereketsa. Koma ngati mukufuna, mutha kupezanso mabanki omwe amavomereza kuti agwirizane ndi obwereketsa okayikitsa.

Ndikofunikira kudziwa kuti m'mabungwe azachuma, ngongole nthawi zonse Zochepa yopindulitsa kuposa mabanki.

Komabe, ndi ngongole yochokera ku MFI yomwe ili njira yokhayo yothetsera mavuto azachuma ngati kulibe ndalama zaboma kapena mbiri yakale ya ngongole.

Mukamayitanitsa ngongole m'mabungwe azachuma, muyenera kukhala okonzeka kutsatira mfundo izi:

mitengo yambiri;
kuchuluka kwa ngongole ndi nthawi;
nthawi zina, kufunikira kokopa otetezera kapena kupereka katundu ngati chitetezo.

Chiwongola dzanja chachikulu yokhudzana ndi chiopsezo chowonjezeka chomwe wobwereketsayo amatenga ngati agwirizana ndi wobwereka yemwe adachitapo zoyipa zazikulu kubweza ngongole.

Pakukweza mphothoyo, wobwereketsayo amachepetsa zomwe zitha kuchitika ngati ngongole yangabwereke. Komanso chiopsezo chachikulu chimayambitsa ngongole yayifupi ndipo pang'ono.

Ndondomeko ya tsatane-tsatane yamomwe mungatengere ndalama pobweza ndi mbiri yoyipa ya ngongole ndikuchedwa kwa khadi, akaunti kapena ndalama

4. Momwe mungapezere ngongole ndi mbiri yoyipa ya ngongole ndi ziphuphu zowonekera panjira 7 zosavuta - malangizo atsatanetsatane detailed

Kwa iwo omwe amatenga ngongole mwachangu kwa nthawi yoyamba, zitha kukhala zovuta kudziwa zomwe akuyenera kuchita ndi mndandanda womwe akuyenera kutengedwa. Chifukwa chake, zotsatirazi ndizatsatanetsatane tsatane-tsatane malangizo, yomwe ingakuthandizeni kumvetsetsa funso lovuta ili.

Gawo 1. Kusankha wobwereketsa ndi mawu a ngongole

Kusankha kampani yomwe mungapereke ngongole, zofunika osagwa chifukwa cha nyambo yabodza. Pofuna kupewa izi, muyenera kusanthula mosamala zochitika za omwe amabweza ngongole. Chizindikiro chodalirika chitha kuganiziridwa ntchito yayitali, ndi ambiri ndemanga zabwino.

Mukamasankha momwe mungakwereke ngongole, ndikofunikira kulabadira izi:

ngongole yayikulu;
mlingo (ndikofunikira kulabadira nthawi yomwe chiwonetserocho chikuwonetsedwa - tsiku, mwezi, chaka);
ndikofunikira kutenga inshuwaransi;
kodi pali ma komiti ena owonjezera;
ndizotheka kubweza ngongoleyo isanakwane ndi kuwerengetsa chiwongola dzanja;
ngati pali kuthekera kokulitsa nthawi yobwereketsa.

Anthu ambiri amakhulupirira kuti muyeso waukulu posankha ngongole ndi chiwongola dzanja... Komabe, pali zifukwa zina zomwe zimakhudza mtengo wa ngongole. Chifukwa chake, chidwi chachikulu chiyenera kulipidwa kulipira kotsiriza.

Gawo 2. Kulembetsa ntchito

Mukasankha ngongole, muyenera kulembetsa kuti adzalembetse. Nthawi zambiri imakhala ndi chidziwitso chazomwe angabwereke. Choyamba, amapatsidwa pano Dzina lonsekomanso chofunikira chachikulu njira za ngongole – nthawi ndipo ndalama.

Ndikofunikira kudziwa kuti obwereka omwe angatsimikizire kusungulumwa kwawo ayenera kuchita izi pakagwiritsidwe ntchito.

Mutha kuwonetsa komwe kuli ntchito, kulumikizana ndi abwana. Zikhala zofunikira kulumikiza chikalatacho kutsimikizira kuchuluka kwa ndalama pazomwe mukugwiritsa ntchito. Njirayi imawonjezera mwayi wosankha bwino.

Gawo 3. Kusankha njira yolandirira ndalama

Gawo lomaliza lofunsira ngongole liyenera kuwonetsa njira yabwino kwambiri yopezera ndalama.

Pali njira zingapo zomwe mungachite kuti mupeze ngongole:

Ku khadi laku banki. Njirayi ndi imodzi mwazovuta kwambiri. Ikuthandizani kuti mupeze ndalama osasiya kompyuta yanu. Zokwanira kuti tisonyeze nambala ya khadi mu pulogalamuyi, ndipo pambuyo povomerezedwa, ndalamazo zisamutsidwa mphindi zochepa. Tidayankhula kale zakomwe mungatenge ngongole pa intaneti pa khadi popanda kuwunika mwachangu m'nkhani yapita.
Kwa chikwama mumachitidwe olipira pakompyuta. Poterepa, ndalamazo zilandilidwanso mphindi zochepa. Werengani za ngongole zapaintaneti pa chikwama cha Qiwi munkhani ina m'magazini yathu.
Ndalama. Kuti mugwiritse ntchito njira yolandirira ndalama, muyenera kupita kuofesi ya wobwereketsa. Palinso njira ina - kuyitanitsa otumiza kunyumba kapena ku ofesi (nthawi zambiri ntchitoyi analipira). Pali nkhani ina patsamba lathu yomwe imafotokoza mwatsatanetsatane momwe mungalandire ngongole mwachangu komanso makampani omwe amapereka ngongole zachinsinsi pa intaneti.

Gawo 4. Kudikira kutha kwa kulingalira kwa ntchitoyo

Nthawi zambiri, sizitenga nthawi kuyembekezera chisankho cha wobwereketsayo. Zi za 5-10 mphindi... Pakutha nthawi yowerengera, lingaliro la MFI lidzafika foni yam'manja, ndi imelo... Kuphatikiza apo, makampani ambiri amapereka mwayi wofufuza momwe ntchitoyo ikuyendera mu akaunti yanuanatsegula patsamba lake.

Gawo 5. Chitsimikizo chakufuna kulandira ngongole

Ngati chisankho chovomerezeka chalandiridwa pazomwe mukufunazo, muyenera kutsimikizira kuti mukufuna kukhala wobwereka. Kuti muchite izi, ingolowetsani gawo loyenera lowetsani nambalayofotokozedwera SMS-mauthenga.

Tiyenera kukumbukira kuti mukalembetsa ngongole pa intaneti, zochitika ngati izi ndizofanana ndi kusaina pangano. Ndiye kuti, zikutanthauza kuti wobwereka amavomereza malinga ndi momwe akumvera.

Gawo 6. Kulandila ndalama

Zonsezo zikakwaniritsidwa, wobwereka amasamutsa ndalama. Mtengo wa kulandira kwawo umatsimikiziridwa ndi zinthu zingapo. Koma nthawi zambiri, ndalama zimabwera osapitilira pambuyo theka la ola.

Ngati lingaliro lakulandila ndalama ndi ndalama, muyenera kulumikizira ulendo wopita kuofesi ya kampaniyo ndi ogwira nawo ntchito. Tidalemba mwatsatanetsatane zakupereka ngongole mu kope lomaliza.

Gawo 7. Kubweza ngongole

Ngongole zothandizira njira kukwaniritsidwa kwa udindo womwe ukuganiziridwa... Ngongoleyo iyenera kubwezedwa pasanathe nthawi yomaliza pangano. Simuyenera kuloleza zigawenga, zomwe zitha kukulitsa vutoli ndi mbiri yakale ya ngongole.

Nthawi yomweyo, kubweza ngongole yanu munthawi yake kumathandizira kukonza mbiri yanu. Zotsatira zake, wobwereketsa mtsogolo akhoza kudalira njira zabwino zokongoza.

Pali nkhani yapadera patsamba lathu momwe mungapezere ngongole yamagalimoto ndi mbiri yoyipa ya ngongole - tikukulangizani kuti muwerenge.

5. Ndi mabanki ati omwe samawona mbiri ya wobwereketsayo - mabanki TOP-5 omwe sawunika CI 📊

Ngati mukukumana ndi mavuto ndi mbiri yanu yangongole, mwayi wopeza ngongole ungakhalepo mukalumikizana ndi MFI. Komabe, pali mabanki angapo omwe samayang'ana mbiri ya obwereketsa kapena mbiri yawo yangongole alibe nazo ntchito. Muyeneradi kuyesayesa kufunsira ngongole m'makampani awa, chifukwa mabanki ali ndizabwino kwambiri kwa obwereketsa.

Chifukwa chake, ndi mabanki ati omwe samawona mbiri ya ngongole:

1) Chiyero cha Russia

Russian Standard ndi banki yomwe mwachizolowezi imagwirizana ndi obwereketsa omwe ali ndi mbiri yoyipa yangongole. Pali mwayi wopeza ngongole mu kuchokera ku ruble 3,000 mpaka 300,000... Koma ziyenera kukumbukiridwa kuti kwa iwo omwe amafunsira ngongole ku Russian Standard koyamba, ndalama zake zidzakhala zochepa.

Kutalika kwakukulu kwa ngongole zomwe zaperekedwa pano ndi 2 za chaka, osachepera - 3 miyezi... Zolemba zochepa ndizofunikira kutsatira. Izi nthawi zambiri zimakhala pasipoti komanso chiphaso chachiwiri.

2) Sovcombank

Sovcombank ili wokonzeka kupereka kwa wobwereka mapulogalamu angapo owoneka bwino. Imodzi mwa ngongole zabwino kwambiri imaganiziridwa Fotokozerani kuphatikiza... Malinga ndi momwe mungathere, mutha kupeza kuchokera ku ruble 5,000 mpaka 40,000 kwa chaka chimodzi ndi theka. Poterepa, chiwongola dzanja chidzakhala pafupifupi 29.9% pachaka.

Mosakayikira kuphatikiza pulogalamu ndikuti palibe kufunika kolemba ndalama, komanso kupereka chitetezo. Kuphatikiza apo, ndikubweza ngongole kwakanthawi, pali mwayi woti muchepetse 5%.

3) Ngongole Yanyumba

Banki yakhala ikugwira ntchito pamsika waku Russia kuyambira 2002. Munthawi imeneyi, adangokhoza kupanga kasitomala ambiri, komanso adapanga zokopa zambiri zokopa.

Apa mutha kupeza ngongole ya ndalamazo kuchokera ku ruble 10,000 mpaka 30,000... Iyenera kubwezeredwa kwathunthu chaka chimodzi... Chiwongola dzanja cha pachaka cha ngongole zotere ndi 19,9%. Ngati mutenga kubweza ngongole mwakhama ndikupanga munthawi yake, mutha kudalira kusintha kwa ngongole.

4) Renaissance Mawu

Ku Renaissance Credit, ndizotheka kupeza ngongole pogwiritsa ntchito imodzi mwamapulogalamu angongole ambiri. Apa mutha kupeza Ma ruble 30,000, chiwongola dzanja chidzakhala 15,9 pachaka.

Nthawi yobwereka imadalira mtundu wa pulogalamu yomwe yasankhidwa. Itha kukhala pamiyeso kuyambira zaka 2 mpaka 5... Kusavuta kwa banki kwa kasitomala kuli ndi mwayi wofunsira ngongole mwachangu pa intaneti.

5) B & N Bank

B&N Bank ndi yokhulupirika kwa nzika zomwe zili ndi mbiri yoyipa yangongole. Ngakhale obwereketsa oterewa ali ndi mwayi wopeza ngongole pabwino kwambiri.

Ndalama zoperekedwa apa ndi kuchokera 100 000 kale 1 000 000 Ma ruble... Poterepa, mulingo ndi 16,5% pachaka. Nthawi yayitali kwambiri yomwe mgwirizano wamalipiro ungachitike ndi 7 zaka. Chobweza chokha ku banki ndikuwunika kwakanthawi kogwiritsa ntchito - mpaka masiku 4.

Pakuyerekeza kosavuta, mabanki onse omwe akuwaganizira amaperekedwa patebulo:

№	Kuyendetsa ngongole	Kuchuluka kwa ngongole, ma ruble	Voterani,% pachaka	Nthawi
1.	*Muyezo waku Russia*	3 000-300 000	47,89	Miyezi 3 mpaka zaka ziwiri
2.	*Sovcombank*	5 000-40 000	29,9	Zaka 1.5
3.	*Ngongole Yanyumba*	10 000-30 000	19,9	1 chaka
4.	*Mbiri Yachikulire*	30 000-500 000	15,9	Zaka 2-5
5.	*B & N Bank*	100 000-1 000 000	16,5	Zaka 7

Pali nkhani yapadera patsamba lathu, yomwe imafotokoza mwatsatanetsatane kuti ndi banki iti yomwe ingatenge ngongole ya ogula pamtengo wosachepera - tikupangira kuti muwerenge.

6. Momwe mungakulitsire mwayi wovomerezedwa ndi ngongole yandalama kapena khadi yomwe ili ndi mbiri yoyipa ya ngongole mpaka 100% (100%) - maupangiri othandiza ndi zidule 💎

Msika wamakono wazachuma umasiyanitsidwa ndi kuchuluka kwakukulu kwa zopereka zokongoza. Chifukwa chake, nthawi zonse pamakhala kuthekera kwakuti ngati bungwe lina likana kupereka ngongole, lina lipanga chisankho chovomerezeka pamapempherowo.

Koma ngati ndalama ziyenera kulandiridwa mwachangu kwambiri, muyenera kuyesetsa kuti muvomerezedwe koyamba.

Obwereka omwe ali ndi mbiri yoyipa yangongole amatha kupatsidwa Nawa maupangiri owonjezera mwayi wanu wovomerezedwa:

Ntchitoyi iyenera kutumizidwa kumakampani angapo obwereketsa ndalama nthawi imodzi. Izi zimapulumutsa nthawi yambiri. Kuyembekezera chisankho kudzachitika nthawi yomweyo. Ngati kuvomerezedwa kumachokera kwa obwereketsa angapo, chidzakhala chokwanira kusankha amene ali ndi ngongole zabwino kwambiri.
Ndikofunika kuda nkhawa kuti mupeze guarantor pasadakhale. Ngongole zotsimikiziridwa ndi munthu wina sizimangokhala ndi mwayi wovomerezedwa, komanso zimapeza mwayi wabwino.
Ngati ndi kotheka, tsimikizani kuti mwasungulumwa. Kupereka chiphaso cha ndalama kumatha kukulitsa mwayi wovomerezedwa ndi pempholo.
Gwiritsani ntchito mwayi uliwonse kuti musinthe mbiri yanu yangongole.Omwe akufuna kulandira ngongole mtsogolo agwiritse ntchito njira zomwe zimawonjezera mbiri yawo monga obwereka.

7. Kubera ngongole - momwe mungapewere kukhala achinyengo

Masiku ano, ochuluka kwambiri akuyesera kuti apeze ndalama pamavuto a anthu ena. Posachedwa, kuchuluka kwakukulu kwa zachinyengoomwe akufuna kupanga ndalama pogwiritsa ntchito mwayi wosaphunzira ndalama waku Russia.

Malangizo a momwe mungapewere kugwidwa ndi omwe amabera ngongole

Kwa iwo omwe akukumana ndi mwayi wokhala ndi ngongole zabwino kwambiri, osangodalira mokongoza... M'malo mwake, muzochitika izi ndikofunikira kusamala. Zilibe kanthu kuti mwayi wopindulitsa watsatira ndani - kuchokera kwa wogulitsa ngongole, munthu wachinsinsi kapena Ma IFI, mikhalidwe yabwino kwambiri ndi chimodzi mwa zizindikiro zachinyengo. Tili ndi nkhani yapadera yokhudza ngongole kuchokera kwa anthu omwe sanalandire - mutha kuwerenga.

Chowonadi ndi chakuti kulipira kwakukulu kwa ngongole kumadalira osati kokha pa chiwongola dzanja. Zofunikira pakulembetsa kwake zitha kukhala ndalama zowonjezera monga inshuwaransi, zilango zobwezera msanga ndi ndalama zina zonse.

Musanagwiritse ntchito zandalama, ndikofunikira kusonkhanitsa zambiri za momwe zingathere. Muyenera kudziwa ngati adatero layisensi yantchitozaka zingati zilipo. Zimathandizanso kuphunzira ndemanga za makasitomala... Ngati pali zowona zachinyengo mumachitidwe a wobwereketsayo, padzakhala malingaliro olakwika a obwereketsa.

Ndikofunika kumvetsetsakuti chofunikira kulipiratu pasadakhale PAMBUYO Mapeto a mgwirizano ndiosaloledwa. Ngakhale zolipiritsa zochepa pangongole zanyumba kapena galimoto zimangopangidwa pokhapokha atasainirana mapangano ofunikira.

Nthawi zambiri, amafunika kulipira chindapusa asanalandire ngongole amalonda akuda... Makampani omwe amapereka chithandizo chenicheni kuti atenge ngongole amalandila ndalama pantchito yawo akamaliza mgwirizano wa ngongole.

8. Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬

Kupeza ngongole ndi mbiri yoyipa ya ngongole - njirayi sivuta... Chifukwa chake, zimadzutsa mafunso ambiri. Tiyesetsa kuyankha ena omwe nthawi zambiri amakhudza omwe angabwereke mtsogolo.

Funso 1. Kodi pali mwayi wopeza ngongole kwa wopuma pantchito wokhala ndi mbiri yoyipa ya ngongole?

Mbiri yolakwika ya ngongole m'ma MFIs ambiri si chifukwa chosankhira pempho la ngongole. Ambiri mwa mabungwewa amatulutsa ndalama mosalakwitsa, zomwe ndizopindulitsa kwambiri kwa makasitomala.

Mwa mabungwe odziwika bwino azachuma ndi awa:

Ndalama zachangu;
Moona mtima;
Kredito24;
VIVA;
MoneyMan;
Ndalama Zanyumba;
E Ngongole.

Mwa magulu amakasitomala omwe ali ndi mwayi wothana ndi mavuto azachuma kudzera mu microcredit, ngakhale atakhala ndi mbiri yoyipa, palinso opuma pantchito... Poterepa, ndikwanira kutumiza pulogalamu kudzera pa intaneti ndikudikirira chisankho chabwino pa izo.

Tinalemba za momwe mungapezere ngongole zabwino komanso zopindulitsa kwa opuma pantchito munthawi yam'mbuyomu.

Funso 2. Kodi ndizotheka kutenga ngongole ya 60,000 - 100,000 - 200,000 - 250,000 - 300,000 - 1,000,000 ruble ndi CI yoyipa?

Aliyense atha kukhala pamavuto omwe amafunikira ndalama zambiri. Tiyenera kumvetsetsa kuti nthawi zambiri mukafunsira ngongole, gawo lalikulu limaseweredwa mbiri ya ngongole... Ndi iye yemwe m'mabungwe ambiri omwe amapereka ngongole ndiye chisonyezero cha kutha kwa wobwereka.

Osati aliyense mabanki avomereze kugwira ntchito ndi obwereketsa omwe adakwaniritsa ngongole zawo mokhulupirika. Nthawi yomweyo, ambiri Ma IFI kuvomereza kukumana ndi makasitomala oterewa.

Tiyenera kukumbukira kuti bungwe lililonse lazachuma limayang'ana mbiri ya wobwereka mtsogolo. Kungoti ambiri aiwo amanyalanyaza kupezeka kwamavuto ndi iye. Werengani za momwe mungadziwonere nokha mbiri yanu yangongole mu imodzi mwazolemba zathu.

Mulimonsemo, magulu otsatirawa amakasitomala akhoza kuvomerezedwa kuti atenge ngongole:

kukhala ndi mbiri yabwino kwambiri ya ngongole;
kale anali obwereka a MFIs.

Ndikofunika kumvetsetsa kuti ndi mbiri yoyipa ya ngongole, ndizovuta kupeza ngongole zochuluka. Ngati mukufuna kutamandidwa mu Ma IFI ayenera kulabadira kuchuluka kwa ngongolezomwe sizingapitirire kawirikawiri 50 zikwi ma ruble.

Komabe, ndizotheka kupeza ngongole zochuluka. Koma pamafunika khama kwambiri.

Njira yoyamba ndi kukhazikitsidwaenii mu ngongole ya MFO ya zochepa ndalama... Kawirikawiri sizipitirira 10 000 Ma ruble. Ngati mwalipira bwino, mutha kudalira ndalama zambiri. Chifukwa chake pang'onopang'ono mutha kufikira pang'onopang'ono kale zambiri kukula ngongole yoperekedwa ndi MFI yomwe ikugwiritsidwa ntchito.

Kodi mumapeza kuti ngongole zazikulu ndi mbiri yoyipa ya ngongole?

Mwa makampani omwe amagwira ntchito ndi ngongole zazikulu kwambiri, zotsatirazi zitha kusiyanitsidwa:

Ngongole Zandalama - kuchuluka kwake ndi ma ruble 200,000;
CR 911 - ngongole mpaka rubles zikwi 100;
Onezaim - pazipita 100,000 rubles;
Ndalama za Union Amapereka kwa 100 zikwi rubles.

Munkhani yapadera, tidalembanso mabanki ati omwe amapereka ngongole ndi mbiri yoyipa ya ngongole ndikuchedwa pamtengo wotsika.

Njira yachiwiri ndikuyesa konzani mbiri ya ngongole... Njirayi ndi yayitali. Koma zitha kubweretsa kuvomerezedwa kwa ngongole kubanki, zomwe sizitanthauza zinthu zabwino zokha, komanso chiwongola dzanja chachikulu.

Pali maupangiri angapo oti mungakonze mbiri yanu ya ngongole:

Lemberani kangapo ndikubweza ngongole yaying'ono panthawi. Nthawi yomweyo, munthu ayenera kukonzekera kuti si onse okongoza ngongole omwe angavomereze pempholi. Kuphatikiza apo, mawu obwereketsa adzakhala osapindulitsa.
Bwezerani ngongole yanu isanakwane, kugawa ndalama m'njira yoti zitheke kupanga ndalama zambiri kubweza ngongole. Chifukwa chake mutha kudziwonetsa nokha ngati wobwereka wodalirika.
Pezani kirediti kadi pazochepera ndikugwiritsa ntchito bwino. Kubweza mwachangu ndalama zomwe mudabwereka kumapewa chiwongola dzanja. Nthawi yomweyo, njirayi itha kubweretsa kuwonjezeka kwa malire a ngongole. (Tidakambirana za momwe mungapezere kirediti kadi ndi mbiri yoyipa ya ngongole koyambirira kwa imodzi mwamaganizidwe athu).
Ngati pali kuchedwa, simuyenera kubisala kwa wobwereketsayo. Nthawi zambiri, vutoli limathetsedwa mwamtendere, zomwe sizingakhudze mbiri ya ngongole.

Tiyeneranso kukumbukira kuti zambiri kuchokera ku mbiri yakale ya ngongole zimafufutidwa kokha m'zaka 15... Chifukwa chake, kuyesetsa konse kuyenera kuchitidwa kuti zitsimikizire kuti zomwe zaposachedwa ndizabwino.

Funso 3. Ndani angathandize obwereketsa omwe ali ndi mbiri yoyipa yakubweza ngongole kuti atenge ngongole?

Ngati kukana kufunsira ngongole kumatsatiridwa m'mabungwe ambiri a ngongole, musataye mtima.

Mutha kuwonjezera mwayi wopeza ngongole polumikizana ndi makampani odziwika:

Amalonda A ngongole - oyimira pakati pa wobwereketsa ndi wobwereka omwe amathandiza kupeza chilolezo chofunsira ngongole. Makampani oterewa samapereka chitsimikizo chovomerezeka, koma mwayi wopeza umakula. Kuphatikiza apo, osinthitsa ambiri amakhala ndi mapangano ndi obwereketsa, chifukwa chake ngongole zimaperekedwa kudzera mwa iwo munthawi yabwino.
Alangizi azachuma osangothandiza kupeza ngongole. Amalangizanso za madipoziti komanso mapulani azachuma.
Msika wogulitsa zachuma - kampani yomwe imapereka ndalama zambiri. Apa mutha kupeza zotsatsa za ngongole, kusungitsa, inshuwaransi kuchokera kumabanki ambiri ndi ma MFIs.

Thandizo la makampani apadera ndi awa:

kuwerenga zonse zokhudza kubwereketsa m'mabungwe osiyanasiyana;
fufuzani wobwereketsa;
kulembetsa fomu yofunsira ngongole;
kusankhidwa kwa ngongole zabwino kwambiri;
thandizani ngati mukufuna kulandiranso;
kuwerengera kopitilira muyeso.

Ubwino wogwiritsa ntchito othandizira apadera ndi mu nthawi yayikulu yopulumutsa... Kuphatikiza apo, kwa makasitomala omwe alumikizana ndi banki kudzera mwa otsogolera oterewa, timapereka mawu abwino okongoletsa ngongole.

Osinthitsa amalipiritsa chindapusa china pantchito yawo. Commission ya nkhoswe itha kukhazikitsidwa kapena kuwerengedwa ngati kuchuluka kwa ngongole yomwe yaperekedwa.

Chofunika kukumbukira ndikuti amalipiritsa pakangomaliza mgwirizano ndi wobwereketsa. Kufunsira kulipira ntchito zamkhalapakati pasadakhale kungasonyeze kupezeka kwachinyengo m'zochita zake.

Chifukwa chake, mbiri yoyipa ya ngongole sikuyenera kutengedwa ngati chifukwa chotsimikiziranso kukanidwa kwa pempho la ngongole. Mutha kubwereka ndalama ngakhale ndi mbiri yowonongeka. Koma izi zingakhale zovuta kuchita.

Chifukwa chake, ndikofunikira kuyesetsa kulikonse kuti tithandizire pantchito zabwino kwa ngongole zomwe zalandilidwa. Ngati mbiri yawonongeka kale, ngati kuvomerezedwa kwa pempho la ngongole, chinthu chachikulu ndikupewa kuchedwa mtsogolo.

Timalimbikitsa kuwonera vidiyo yokhudza ngongole yomwe ili ndi mbiri yoyipa ya ngongole:

Tikulimbikitsanso kuti muwonere kanema pazomwe CI ili, momwe mungasinthire mbiri yanu ya ngongole ndikuyamba kupanga malingaliro anuanu:

Ndizo zonse kwa ife. Zikomo powerenga zida zathu! Tikufuna tikhale ndi malo akuda ochepa momwe mungathere m'mbiri yanu yangongole.

Okondedwa owerenga magazini yapaintaneti "Maganizo a Moyo", tidzakhala okondwa kwambiri ngati mutagawana zomwe mwakumana nazo, zokhumba zanu ndi ndemanga zanu pamutu wofalitsa mu ndemanga pansipa.