Kodi mungayang'anire wogulitsa ndalama wamba yemwe amapereka ndalama zawo?

Moni, dzina langa ndi Mikhail. Funso: momwe mungapezere ndikusankha wogulitsa ndalama payekha yemwe ali wokonzeka kubwereka ndalama zake zachitukuko, kapangidwe ka bizinesi ndi zina?

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

Anthu ambiri amadziwa zakupezeka kwa zinthu zakubanki ngati ngongole yoyambira ndikupanga bizinesi. Koma posachedwapa, otchedwa kubwereketsa payekha... Zotsatsa ndi zotsatsa zamtunduwu, nthawi zambiri, zimapezeka pa intaneti komanso m'misewu. Aliyense amadziwa kuti zambiri zotsatsa izi ndizachinyengo.

Komabe, pakati pa obwereketsa amenewa palinso ena enieni omwe ali okonzeka kupereka zinthu zoyenera kuti agwirizane, chifukwa chake ndikofunikira kuphunzira momwe mungawadziwire pakati pa achinyengo.

Kuti mumvetsetse tanthauzo la kubwereketsa kwachinsinsi, muyenera kumvetsetsa yemwe amachita izi komanso chifukwa chake amafunikira.

1. Wogulitsa ndalama payekha - ndi ndani ndipo ntchito yake ndi yotani?

Wobwereketsa payekha - uyu ndi munthu amene ali wokonzeka kupereka ngongole kwa wina kuchokera ku ndalama zake, pazinthu zina zomwe zalembedwa mgwirizanowu.

Pangano lotere limakhazikika mawu obwezera ngongole, kuchuluka kwa ngongole, chidwi ndipo zilango... Chiphaso chiyenera kuphatikizidwa ndi mgwirizano, womwe umalembedwa ndi wobwereka panthawi yolandila kuchuluka kwa ndalamazo. Ndikotheka kupanga mgwirizano ndi notary, koma osati kwenikweni.

Ubwino wosatsimikizika wa mgwirizano wotere kwa wobwereka ndikuti wogulitsa ndalama payekha ilibe mbiri yakubweza ngongole, motero, sichingakhudze chisankho.

Kuchulukazomwe zingatengeke motere zilibe malire omveka ndipo zimadalira pazinthu zambiri, kuphatikiza kuthekera kwachuma kwa wobwereketsayo. Kwenikweni, awa ndi ma microloans pamakadi osiyanasiyana 1 000 – 30 000 Ma ruble ndipo kwakanthawi kochepa, pafupifupi, miyezi iwiri.

Chiwongola dzanja, monga lamulo, amalipiritsa tsiku lililonse logwiritsira ntchito ngongole, kuchuluka kwa kuchokera 0.3% mpaka 4% tsiku limodzi. Ngongole, pamenepa, imabwezedwa kumapeto kwa nthawi, zonse, limodzi ndi chiwongola dzanja. Nthawi zambiri, palibe chikole kapena chitetezo chofunikira. Palinso angongole omwe ali okonzeka kubwereketsa ndalama zambiri, mpaka mamiliyoni angapo, komabe, izi zidzafunika kale chikole choyenera.

Muyenera kukhala ndi malowokhoza kubweza ngongole yonse, mgwirizanowu uwonetsa kuti ngati ngongoleyo isabwezedwe, katundu wa wobwerekayo amasamutsidwa kwa wobwereketsayo. Nthawi zambiri, mtengo wamsika wachinsinsi uyenera kukhala 30-40% kuposa kuchuluka kwa ngongole. Chiwongola dzanja ndi malingaliro amgwirizano wotere, ndizosiyana - 15-30% pachaka, pafupifupi, kwa zaka 2-3.

Njira zolipirira ngongole yachinsinsi zimakhazikitsidwa payekhapayekha, mogwirizana ndi mgwirizano.

Palinso obwereketsa omwe ali okonzeka kupereka ndalama zoposa ma ruble 5 miliyoni, kulandira katunduyo ngati chikole: nyumba zodula, bizinesi yopindulitsa, ndi zina zambiri.

2. Kodi mungasankhe bwanji wogulitsa ndalama payekha?

Kupeza munthu wosamala yemwe angabwereke ndalama zake ndizovuta kwambiri ndipo zimadya nthawi. Ambiri aiwo amayesa kupeza anthu oterewa munyuzipepala kapena m'malo otsatsa mumsewu, zomwe sizoyenera kuchita.

Choyamba, pali chiopsezo chachikulu chokumana ndi omwe amati ndi akuda akuda omwe angapereke kugula zida m'sitolo pangongole, ndikulonjeza kuti adzawagula. Bola, azichitira 60-70% kuchokera pamtengo, ndipo choyipitsitsa, sangapereke ndalamazo konse, kusiya yemwe akufuna kubwereka ali ndi ngongole yatsopano komanso opanda katundu.

Kachiwiri, achinyengo amatha kulipira pasadakhale ndikubisala, zomwe sizachilendo. Nthawi zambiri, zondandanda zazinsinsi sizitsimikizira kukhulupirika kwawo.

Mutha kufunsa anzanu, ndizotheka kuti pakati pawo pali omwe ali okonzeka kupereka ndalama zambiri pa chiwongola dzanja. Zina mwazinthu zotsatsa, hcpeople amatha kusiyanitsidwa, omwe amayang'ana omwe ali ndi ngongole ndipo pali mwayi weniweni wopeza woyenera pakati pawo.

Mwatsatanetsatane komwe ndi momwe mungapezere wogulitsa ndalama, tidalemba patsamba lathu lomaliza.

Komabe, gwero loyenera kwambiri lingakhale kusinthana p2p kubwereketsa.

Pali zambiri m'dziko lathu, otchuka kwambiri ndi awa:

• Zamgululi.ru;
• Zaymigo;
• Fingooroo;
• Credbury, ndi zina zambiri.

Chiwembuchi chimagwira ntchito potengera zinthu za pa intaneti, pomwe aliyense angathe kulembetsa ngati wobwereka kapena wogulitsa. Tsambali palokha limayang'anira zolemba, komanso kuwunika omwe akutenga nawo mbali.

3. Kodi mungatsimikizire bwanji kuti wobwereketsayo ndiwotsimikizika?

Ngakhale kuyang'ana deta yamalonda osati zovuta, anthu ambiri amagwera pachinyengo, chifukwa chakuti omalizawa ndi akatswiri pakupanga ndalama pamavuto obwereketsa.

Kupatula apo, ngongole zoterezi zimayang'ana anthu omwe, ali ndi zifukwa zomwe sangathe kufunsira ngongole kubanki, popanda, mwachitsanzo, ntchito kapena mbiri yabwino ya ngongole, nthawi zambiri amawopa kale zochita za omwe amatolera ndalama kapena ma bailiff, zomwe zikutanthauza kuti ali okonzeka kwambiri kuti apeze ufulu kuchuluka kwake.

Choyambirira, pakuwunika kwa wobwereketsa atha thandizani intaneti... Muyenera kuyendetsa zidziwitso za omwe angakhale akugulitsa mubokosi losakira ndikudziwike bwino pazotsatira zakusaka. Mungapezeke ndemanga kapena malonda za munthuyu, koma ndi dzina losiyana, lomwe lingakupatseni chidziwitso chomveka chosakhulupirika cha munthuyu.

Ngati wobwereketsa atapempha kuti alipiridwe pasadakhale m'njira iliyonse ndipo popanda chifukwa chilichonse - musamudalire... Koma ngakhale popanda kulipira pasadakhale, nsomba zitha kukhala mumgwirizano wa ngongole yomwe, yomwe imafunika kuphunzira mosamala kwambiri. Mwina ndikofunikira kupeza thandizo la loya.

4. Njira zina zopezera ndalama

Palinso njira zina zopezera ndalama ndalama zikafunika.

Muthanso kuyesa, Mwachitsanzo, pezani ndalama kudzera pagulu lazandalama. Kodi kubwezera ndalama zochuluka bwanji komanso nsanja zanji zopezera ndalama, tinalemba m'nkhani yapadera.

Timalimbikitsa kuwonera vidiyo yokhudzana ndi kuchuluka kwa anthu, mitundu yake ndi njira zopezera ndalama pazinthu zopezera ndalama:

Tidakonzekeranso zina zapadera zokhudzana ndi ngongole kuchokera kwa omwe amagulitsa ndalama pawokha, momwe tidafotokozera mwatsatanetsatane komwe tingapeze ngongole zachinsinsi komanso momwe tingakonzekere bwino.

Tikukhulupirira tatha kuyankha funso lanu. Zabwino zonse, Maganizo a gulu la Moyo!