Momwe mungasinthire mbiri yanu ya ngongole: malangizo owongolera mbiri yanu yangongole + njira 6 zakukonzetsera (kubwezeretsa) CI

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Moni okondedwa owerenga Maganizo a Moyo! Lero tikambirana zakusintha mbiri yanu yangongole, yomwe ndi, momwe mungasinthire mbiri yanu ya ngongole komanso ngati zingatheke kukonza (kubwezeretsanso) CI ngati yawonongeka.

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

Mutawerenga nkhaniyi kuyambira koyamba mpaka kumapeto, muphunziranso:

ndi zifukwa ziti za mbiri yoyipa ya ngongole;
mbiri yakale yobwereketsa yosungidwa mu CRI;
momwe mungasinthire mbiriyakale ya ngongole komanso ngati zingatheke kufafaniza ku Russia;
omwe ma MIs amafunika kulumikizana nawo kuti apange CI.

Kumapeto kwa nkhaniyi, mwachizolowezi timayankha mafunso otchuka kwambiri pamutu womwe tikukambirana.

Buku lofotokozedwalo likhala lothandiza osati kwa iwo okha omwe mbiri yawo yangongole yawonongeka kale, komanso kwa iwo omwe amangopeza ngongole pafupipafupi.Ndiye tiyeni tizipita!

Werengani za momwe mungakonzere ndikusintha (kubweza) mbiri yanu yangongole, kodi ndizotheka kuti mumvetsetse, ndi njira ziti zomwe zingakonzere mbiri yanu ya ngongole - werengani kumasulidwa kwathu

1. Kodi mbiri ya wobwereketsayo ndiyofunika motani?

Pokonzekera chisankho pakupereka ngongole kwa kasitomala, choyambirira, banki ikuyesa solvency yake. Chizindikiro chachikulu ndi mbiri ya ngongole.

Mbiri yomwe yawonongeka, kukwaniritsa mopanda chilungamo maudindo azachuma pantchito yobweza ngongole zam'mbuyomu kumatha kukhala cholepheretsa kupeza ngongole mtsogolo.

Ndikofunika kudziwa! Kufunsira kulikonse ku bungwe lazachuma kuyenera kulembedweratu polemba ngongole. Ngakhale ngongole ikakanidwa, chidziwitso chokhudza pempholo chikuwonekera m'mbiri ya ngongole.

Kuti mupeze ndalama zogulira ogula, ngongole zamagalimoto ndi ngongole zanyumba zikhale zazikulu ↑, ndikofunikira mbiri yabwino ya ngongole... Ngakhale pakakhala lingaliro labwino lazamalonda komanso polojekiti yabwino kwambiri, mabungwe azandalama amakana ndalama ngati m'mbuyomu wobwereka adakumana ndi zovuta pokwaniritsa ngongole.

Ubale wa wobwereka ndi mabanki ku Russia umayendetsedwa malamulo aboma "Pazambiri zangongole"... Kuchita uku ndiko komwe kumatsimikizira zomwe zingagwire ntchito ndi mbiri yokhudza wobwereka. Tithokoze kukhazikitsidwa kwa lamuloli Chiwopsezo cha omwe amabweza ngongole chatsika kwambiri, ndipo chitetezo cha kasitomala ndi boma chakula.

Makasitomala ena omwe amadziwa molondola kuti mbiri yawo yangongole yawonongeka amasangalatsidwa kuti "ayikonzanso" motani. M'malo mwake, yankho la funsoli liyenera kukhumudwitsa obwereketsa omwe siabodza.

Credit Bureau imasunga zidziwitso zakukwaniritsa zomwe zakwaniritsidwa kwa zaka 15 kuyambira tsiku lomwe zidasinthidwa komaliza.

Pokhapokha zitadutsa kuyambira nthawi yakuphwanya 15 zaka, zambiri za iwo zidzachotsedwa. Chifukwa chake, ngati panali zoipitsa zaposachedwa, kuthekera kosankha koyenera pempho la ngongole sikokwanira.

Mbiri yakubwereka imasungidwa mu maofesi a ngongole (chidule BKI). Ndi bungwe lazamalonda, lomwe cholinga chake chinali kupereka zidziwitso pakupanga, kusunga ndi kukonza deta, komanso kupereka malipoti pa iwo akawapempha.

Kuti mudziwe kuti ndiofesi yanji yomwe imasungidwa ya wobwereka, muyenera kudziwa nambala ya mbiri ya mbiri ya ngongole. Tidakambirana zambiri mwatsatanetsatane munkhani yathu.

Zomwe zimayambitsa mbiri yoyipa ya ngongole

2. Chifukwa chiyani mbiri yangongole imatha kukhala yoyipa - zifukwa zazikulu zisanu

M'malo mwake, kukhalabe ndi mbiri yabwino ya ngongole sizovuta kwenikweni. Ndikokwanira kukwaniritsa chikumbumtima chanu popewa ngongole, kuti mupewe kupotoza mwadala zambiri zokhudza inu nokha. Mukamatsatira malamulowa, simudzawononga mbiri yanu.

Pakadali pano, munthu amatha kusiyanitsa 5 zifukwa zazikulu, zomwe nthawi zambiri zimawononga mbiri ya ngongole ya obwereketsa.

Chifukwa 1. Malipiro omaliza kapena osakwanira

Pokonzekera kubwereketsa, wobwereketsayo adasaina ndi banki pangano la ngongole, yomwe ndi gawo limodzi ndondomeko yolipira.

Ndikofunikira kutsatira mwatsatanetsatane chikalatachi, kuti mupereke ndalama malinga ndi nthawi komanso kuchuluka kwake. Musaiwale kuti ngakhale masiku ochepa akuchedwa komanso kulipira ndalama zochepa ma ruble angakhudze mbiri yanu yobweza ngongole.

Chifukwa 2. Kulandila ndalama kubanki mwadzidzidzi

Mabanki ambiri amapereka njira zingapo zolipirira. Mukamagwiritsa ntchito iliyonse ya izi, muyenera kuganizira mawu olembetsa... Ndikofunika kukumbukira kuti nthawi yolipira imawerengedwa kuti ndi nthawi yomwe ndalama zimaperekedwa ku akaunti ya ngongole, osati pomwe zimatumizidwa.

Ngati ndalamazo zidayikidwa patsiku lomwe lawonetsedwa munthawiyo, ndipo nthawi yobweza ngongoleyo ndi masiku angapo, izi zimawonedwanso ngati kuphwanya ndipo zimasokoneza mbiriyo.

Chifukwa 3. Zokhudza umunthu

Nthawi zina mbiri ya ngongole imatha kuwonongeka chifukwa cholakwitsa wogwira ntchito kubanki kapena kasitomala mwiniwake. Ndikokwanira kulakwitsa dzina la wobwereka, kuchuluka kwa zolipira kapena tsiku lomaliza kuwononga mbiriyo. Ichi ndichifukwa chake muyenera kuwunika mosamala zikalata zomwe zasainidwa.

Komanso, Akatswiri amalangiza kuti muziwona mbiri ya ngongole yanu pachaka (makamaka kuyambira 1 kamodzi pachaka mutha kuchita izi kwaulere). Tidalemba momwe mungapezere mbiri yanu yaulere kwaulere ndi dzina lomaliza kudzera pa intaneti m'nkhani yomaliza.

Chifukwa 4. Chinyengo

M'magulu angongole, zachinyengo ndizofala. Zomwe zimakhudza mbiri ya ngongole siziyeneranso kuchotsedwa.

Mwachitsanzo: Pali milandu pamene achinyengo adalandira ngongole mosavomerezeka pogwiritsa ntchito pasipoti ya nzika. Mwachilengedwe, sanalipirepo. Zotsatira zake, mbiri yakubweza kwa yemwe amakhala ndi pasipoti idawonongeka ndi izi.

Chifukwa 5. Kulephera kwaukadaulo

Kutheka kwa zolakwika zaukadaulo sikungafanane. Mukamalipira, pakhoza kukhala kuwonongeka kwa mapulogalamu ndi mapulogalamu... Zotsatira zake, malipirowo sadzafika kapena sadzafika nthawi.

Ngakhale atafufuza ndikuwonetsa kuti kasitomala alibe mlandu pakuphwanya malamulowo, zidziwitso zake zitha kutumizidwa ku BKI. Pofuna kupewa kukhudzidwa ndi izi pa mbiri ya ngongole, ndikofunikira kuti muziyang'ana nthawi ndi nthawi.

Ngakhale kuti zambiri m'mbiri ya ngongole zimasungidwa kwanthawi yayitali, musaganize kuti kuphwanya konse kumakhala ndi zotsatira zofananira... Ndizachilengedwe kuti kuchedwa kwa 1 tsiku la 10Ngongole ya chaka chimodzi silingafanane ndi kulephera kubweza kwathunthu pakatha miyezi ingapo.

Sikuti aliyense akuphatikizidwa pamndandanda wamabungwe angongole chifukwa chophwanya malamulo olipira ngongole. Nthawi zina "zilango" sizinatenge konse ngongole kapena kuzilipira munthawi yake.

Chowonadi ndi chakuti kusalandila zolakwika pazinthu zofunikira, komanso misonkho, zitha kusokonezanso mbiri yanu ya ngongole. Likukhalira kuti mbiriyo imakhudzidwa ndikwaniritsa zofunikira zonse zachuma, osati ngongole zokha.

3. Kodi ndizotheka kuyeretsa (kuchotsa) mbiri ya mbiri credit?

Sizingatheke kufufuta chilichonse chambiri m'mbiri ya ngongole, osatinso kuthana kwathunthu ndi wobwereka. Deta yonse yomwe imasungidwa m'mabukhu a BKI ili ndi chitetezo chambiri.

Ndi ochepa okha ogwira ntchito omwe ali ndi mwayi wodziwa zambiri. Kuphatikiza apo, chilichonse chomwe akuchita chimalembedwa m'dongosolo. Malinga ndi malamulo aku Russia, zambiri zokhudza wobwereka ku BCH zimasungidwa 15 zaka kuyambira kusintha komaliza.

Ziyenera kumveka kuti kuti kusintha kulikonse kumapangidwa kokha pempho la kasitomala ndi chilolezo chake cholembedwa. Mabungwe azachuma alibe ufulu wofunsa zambiri pazambiri za mbiri ya ngongole, komanso kupereka zopempha zosintha pakakhala kuvomerezedwa ndi wobwereka.

Kutengera ndi zomwe tafotokozazi, titha kunena kuti mabungwe aliwonse omwe amati atha kuchotsa mbiri yoyipa yokhudza ngongole ali wamba zachinyengo.

Makampani ena, atalandira chilolezo kwa kasitomala, amafunsira kuofesiyo kuti adziwe zambiri za mbiri ya ngongole yake. Atalandira lipotilo, amalisanthula mosamala posaka zolakwika kuti awonjezere kuchuluka kwa wobwerekayo. Mwachilengedwe, njirayi ndiyotalika. Kuphatikiza apo, makampani oterewa sagwira ntchito kwaulere. Chifukwa chake, kasitomala adzayenera kuwononga ndalama zochuluka pakutsuka mbiri ya ngongole ndi ntchito zina zofananira.

4. Momwe mungakonzere zolakwika m'mbiri ya ngongole ✍ - njira zothetsera zolakwika

Gawo lirilonse malangizo kuti muthe kukonza zolakwika m'mbiri yanu yangongole

Mbiri ya ngongole imatha kuwonongeka osati pokhapokha ngati ntchito zawo sizikuyenda bwino. Chidziwitso chingakhale ndi zolakwika zomwe zimasokoneza.

Nthawi zambiri, zolakwika zimatha kukhala chifukwa cha imodzi mwanjira izi:

Zambiri zolondola za wobwereka. Nthawi zambiri zolakwika zimachitika mu tsiku ndipo malo obadwira, malo okhala, polemba zovuta mayina awo, dzina ndipo mayina apakatikati... Zolakwika ngati izi sizovuta kwenikweni. Akapezeka, amachotsedwa mwachangu popanda vuto lililonse.
Zambiri zokhudza ngongole zomwe simunalipire. Nthawi zina ogwira ntchito m'mabungwe azachuma, pazifukwa zilizonse, samauza BCH kuti wobwerekayo walipira ngongole yonse. Nthawi zambiri, izi zimachitika banki ikalandidwa laisensi ndikukhazikitsidwa kwakanthawi. Zikatero, mavuto okhala ndi mbiri ya ngongole amabwera popanda kulakwitsa kwa wobwereka.
Kusinkhasinkha mu mbiri ya ngongole yazambiri zangongole zomwe kasitomala sanalandirepo. Kusalongosoka kwamtunduwu ndi chimodzi mwazinthu zosasangalatsa kwambiri. Obwereketsa, akamaphunzira lipoti lonena za mbiri yawo yangongole, amatha kupeza zolakwika pakubweza komwe sanatulutse. Izi zimafotokozedwa nthawi zambiri ndi 2- pazifukwa - kusasamala kwa ogwira ntchito kubanki ndipo zowona zachinyengo.

Ngati zolakwika zikupezeka mu lipoti la mbiri ya ngongole, muyenera kuzitumiza nthawi yomweyo ku BCH chidziwitso za izi. Ndikofunikira kulumikiza kwa iwo zikalata ndi zikalata zomwe zimatsimikizira zowona zolakwika za data. Makope amenewa ayenera kutsimikiziridwa ndi notary asanatumize.

Ndizovomerezeka mwalamulo kuti Ogwira ntchito ku BCI ali ndi ufulu wolingalira zidziwitso zomwe adalandira pasanathe mwezi umodzi. Ngati kuli kofunikira, banki itha kutenga nawo mbali pakuwunika, zomwe zatumiza zomwe akutsutsana kuofesi.

Kafukufuku akamaliza, yankho laboma lidzatumizidwa kwa wobwereka. Ngati kasitomala sakhutira ndi malingaliro omwe alandila, ali ndi ufulu wopita kukhothi kuti athetse nkhani yake.

Mukasankha kuwongolera mbiri yanu yangongole, ndikofunika kukumbukira, kuti ndizotheka kusintha zidziwitso zokha zomwe zidawoneka mu fayilo ya wobwereka mwangozi. Palibe chifukwa choyesera kufufuta zoipa zomwe zili zowona. Nthawi pantchitoyi idzawonongedwa.

Njira zotsimikizika zakusinthira mbiri yanu ya ngongole ngati simupereka ngongole

5. Momwe mungasinthire mbiri yanu yangongole ngati yawonongeka - TOP-6 njira zosinthira CI bad zoipa

Ngati, pofunsira ngongole, kasitomala amalandidwa nthawi zonse, ndizotheka kuti mabungwe azachuma amakayikira za solvency. Nthawi zambiri amathandizidwa ndi mavuto m'mbiri ya ngongole.

Komabe, musaganize kuti ngati mbiri yanu yawonongeka, simudzakhalanso ndi ngongole yopindulitsa. M'malo mwake, pali njira zingapo zogwirira ntchito zomwe zingakuthandizeni kukonza mbiri yanu yangongole.

Njira 1. Gwiritsani ntchito pulogalamu yapadera kuti musinthe mbiri yanu yangongole

Pali obwereketsa ambiri omwe ali ndi mbiri yoyipa yangongole lero. Pakulimbana kwa kasitomala aliyense, mabungwe azachuma amakula mapulogalamu apadera owonjezera mbiri... Mukadutsamo, kasitomala akhoza kudalira mwayi wopeza ngongole.

Mwachitsanzo: Pulogalamu "Doctor Doctor" kuchokera Sovcombank... Chofunika cha njirayi ndikutsatizana kwa ngongole zingapo ndikuwonjezeka pang'onopang'ono. Pamapeto pa pulogalamuyi, ngati yakwaniritsidwa bwino, wobwereka akhoza kuyembekeza kuti adzalandila ngongole yokwanira pamlingo wambiri wamsika.

Njira 2. Pezani kirediti kadi

Njira imodzi yosavuta komanso yotsika mtengo yothetsera mbiri yanu ya ngongole ndi kukonza ma kirediti kadi... Poterepa, muyenera kusankha mabanki omwe ndiofunika kwambiri kwa makasitomala. Tidalemba mu imodzi mwazomwe timafotokoza komwe makhadi amatumiziridwa pogwiritsa ntchito pasipoti yokhala ndi yankho pompopompo pa intaneti.

Chiwembu chokonza mbiri ya ngongole pogwiritsa ntchito kirediti kadi

Njira yosavuta ndikutenga kirediti kadi kuchokera kubungwe lazachuma lomwe limapereka chindapusa, amatenga nawo mbali pokopa makasitomala kapena kulimbikitsa mwachangu ngongole yatsopano.

Koma kumbukirani kuti muthe kukonza mbiri yanu, muyenera kugwiritsa ntchito ndalama pafupipafupi kuchokera pamalire a kirediti kadi, kuti muzibwezeretse munthawi yake Pakapita kanthawi, mutha kuyembekezera kukulitsa malire anu angongole.

Mukamasankha mapulogalamu angapo operekera ma kirediti kadi, muyenera kumvera izi:

Nthawi yachisomo, kupezeka kwake ndi nthawi yake. Ngati mukuwononga ndalama mopanda ndalama ndikubwerera munthawi yachisangalalo, chiwongola dzanja sichilipidwa. Nthawi zina, nthawi yachisomo imaperekedwa pakubweza ndalama;
Kutulutsa mtengokomanso kukonza pachaka;
Voterani - wotsika chiwongola dzanja ↓, zochepa ↓ zolipiritsa zomwe zidaperekedwa pa kirediti kadi zidzakhala;
Kuchotsera kosiyanasiyana. Kodi pali ma bonasi kapena kubweza pamakhadi?

Mukabwezeretsa khadi, ndikofunikira kulingalira mosamala malamulo owerengera nthawi yomaliza yoperekera ndalama. Popeza amatha kusiyanasiyana kubanki ndi banki, si zachilendo kuti makasitomala amasungitsa ndalama nthawi yachisomo ikatha ndipo samamvetsetsa chifukwa chomwe adalipiritsa chiwongola dzanja.

Ngati mabanki akukana kupereka khadi ya ndalama zochuluka nthawi imodzi, ndi bwino kuvomereza malire ochepa a ngongole. Ngati mumayang'anira zochitika zonse - lipirani pafupipafupi ndi khadi ndikuibweza munthawi yake, mutha kuyembekezera kuwonjezeka kwa malire over pakapita nthawi.

Njira 3. Tengani ngongole kubungwe lazachuma

Njira ina yokhoza kukonza mbiri yanu ya ngongole ndi kupeza ngongole kubungwe lazachuma... Makampani azachuma amabwereketsa ndalama zochepa kwakanthawi kochepa.

Mutha kupeza ma microloan mwachindunji pa intaneti potengera khadi yaku bank. Ngati mungatulutse kangapo ndikubweza munthawi yake, mutha kuyembekeza kukonzanso mbiri yanu yangongole.

Zovuta kuipa microloan ndi kuchuluka kwa zolipira kwambiri... Poterepa, milanduyi nthawi zambiri imawonetsedwa ngati tsiku lililonse, motero makasitomala ambiri amawoneka kuti kuchuluka kwake ndi kocheperako. M'malo mwake, ngati muwerengeranso kuchuluka kwapachaka, mumalandila ndalama zochulukirapo kuposa mazana angapo.

Ndikofunika kuwunika momwe mungakwaniritsire ndalama musanalandire ma microloan. Nthawi zambiri pakatha mwezi umayenera kubwerera 2 ndalama zomwe amalandira.

Ngati palibe chitsimikizo kuti kudzakhala kotheka kubweza ngongolezo ndi chiwongola dzanja panthawi, ndibwino kuti musayitanitse microloan. Ngati mukukumana ndi mavuto ndi zolipira, mbiri yanu yangongole imatha kuwonongeka.

Mukamagwiritsa ntchito ma microloans, ndibwino kubwereka pang'ono kwa masiku angapo. Kubwezera motsatizana kwa ngongole zingapo izi kumabweretsa kubwezeredwa kwa mbiri ya ngongole ndi chidziwitso chabwino. Zotsatira zake, mutha kudalira zabwino zomwe mungalandire ngongole zachikhalidwe. Kuti mumve zambiri za momwe mungapezere ngongole popanda mbiri ya ndalama, werengani nkhaniyo kulumikizana.

Komabe, pogwiritsa ntchito njira yofotokozedwayi, ziyenera kukumbukiridwa kubweza msanga kwa mabungwe azachuma kumawonedwa ngati vuto. Tiyeneranso kukumbukira kuti kutumiza zidziwitso ku BCI ndiko mwezi uliwonse kapena 1 kamodzi 2 masabata.

Njira 4. Gulani katundu pang'onopang'ono

Njira imodzi yotsika mtengo kwambiri yosinthira mbiri yanu yangongole ndiyo kugula pang'onopang'ono. Njirayi ndiyabwino kwambiri kwa iwo omwe akufuna kugula chinthu chodula kwambiri.

Zilibe kanthu kuti mumagula chiyani. Atatulutsa Ngongole yazinthu kapena zigawo, ndikofunika kuwalipira panthawi. Izi zithandizira kukulitsa mwayi wosankha mwanzeru pempho lomwe liperekedwe kubanki mtsogolo.

Njira yabwino 2-th mapulani otchulidwa atha kukhala makhadi a ngongole... Malingaliro ngati awa adalimbikitsidwa posachedwapa ndi mabanki ambiri. Kuti chinthu choterocho chikuthandizireni kukonza mbiri yanu yobwereketsa ngongole, ndikofunikira kusanthula bwino momwe ndalama zanu zilili osaphwanya nthawi yomwe mumapereka.

Njira 5. Pitani kukhothi

Monga tanena kale, wobwereka samakhala ndi mlandu nthawi zonse pamavuto okhala ndi mbiri yangongole. Nthawi zina, zambiri zomwe zimaperekedwa mu lipotilo zitha kukhala zolakwika.

Ngati mupeza zolakwika zilizonse, muyenera kulumikizana kaye wobwereketsachifukwa cha kuvomerezedwa kwawo. Ngati kusinthako kukanidwa, muyenera kulumikizana nawo maofesi a ngongole ndi ndi khothi.

Nthawi zambiri, zidziwitso m'mbiri ya ngongole zimasinthidwa pamaziko a chigamulo cha khothi pakachitika zolakwika pazifukwa izi:

mapulogalamu ndi zolephera zaukadaulo pokonza za omwe amabwereka;
ntchito zachinyengo;
Zolakwitsa za ogwira ntchito ku ngongole zomwe amayang'anira kusamutsa deta ku BCH.

Mlandu usanayambe, ndizovomerezeka Njira zothanirana ndi mlandu zisanachitike ndikutenga nawo mbali ma credit bureaus.

Njira 6. Pangani ndalama kubanki

Kuti mukhale ndi chidaliro kwa wobwereketsayo, mutha kukonza ndalama zaku banki. Zachidziwikire, njirayi imafuna kuchuluka kwa ndalama. Momwemo, ndalamazo ziyenera kudzazidwa pafupipafupi.

Nthawi zambiri, mabanki amapatsa makasitomala awo ndalama kuti abwereke ngongole pazabwino.

Ngakhale kopanda kusungitsa ndalama zambiri, mutha kupeza ndalama zokhala ndi mwayi woti mudzabwezeredwe ndikuchotseka pang'ono nthawi yonseyi. Atapanga mgwirizano woterewu, ukhalabe wolipira gawo limodzi la malipilo ku akauntiyi. Ngati ndi kotheka, ndalamazo zimatha kuchotsedwa popanda zovuta.

Njira zonse zomwe tafotokozazi zimakulolani kuti musinthe mbiri yanu yangongole. Komabe, simuyenera kuyembekezera zotsatira zamtsogolo. Kusintha mbiri yanu yangongole nthawi zonse kumakhala ntchito yayitali komanso yolimba.

Kuwongolera mbiri yanu yangongole ndi ma microloans munthawi zitatu

6. Momwe mungabwezeretsere mbiri ya ngongole pogwiritsa ntchito ngongole - malangizo mwatsatanetsatane 📋

Mukasankha kukonza mbiri yanu yangongole, gawo loyamba ndikusankha kampani yomwe ingakuthandizeni kuchita izi. Pofuna kupewa mavuto posankha ma microloans, tikukulangizani kuti mugwiritse ntchito malangizo omwe ali pansipa.

Gawo 1. Kusankha Microfinance Organisation (MFI)

Musanapititse patsogolo kulembetsa kwa microloan, muyenera kudziwa zambiri zamakampani kuti aperekedwe. Nthawi yomweyo, ndikofunikira kuti muphunzire mbiri ya MFI, komanso kuti mudziwe kuti CHB imagwira ntchito.

Kuti muwone kuchuluka kwa mabungwe azachuma, muyenera kulabadira izi:

Nthawi yogwirira ntchito mumsika wachuma waku Russia;
kupezeka kwa nthambi m'mizinda yosiyanasiyana mdziko lonseli;
kuphunzira ndemanga za makasitomala.

Akatswiri samalimbikitsa lembetsani ngongole ku kampani yoyamba yomwe ikubwera, ngakhale zikuwoneka kuti zomwe zili mmenemo ndi zabwino.

Ndikofunika kusanthula momwe ma MFO atatu osachepera ndikupeza yankho potengera izi:

Kugwirizana ndi BKI. Ndikofunika kulembetsa ngongole kubungwe laling'ono lazachuma, lomwe limasamutsa zambiri ku CRI, yomwe ili ndi zambiri zokhudza inu. Njira ina ndikuthandizana ndi ma MFIs omwe amatumiza zidziwitso kumaofesi angapo.
Kupeza mwayi wopeza ngongole. Ndikofunikira kuwunika njira zomwe ntchito imagwiritsa ntchito. Nthawi zambiri, ndalama zimaperekedwa ngati ndalama kapena pa intaneti ku khadi yakubanki. Pachiyambi, ndikofunikira kufunsa pasadakhale komwe ofesi ya MFI ili.
Chiwongola dzanja pa ngongole. Mabungwe ena azachuma amawonetsa kuchuluka komwe kumabisala - mwa kubweza ngongole zambiri kapena pamgwirizano womwe obwereketsa ochepa amawerenga asanalembe. Nthawi yomweyo, ma MFIs ambiri amakhala ndi chowerengera patsamba lawo lomwe limakupatsani mwayi wowerengera zolipira zambiri. Ndi chithandizo chake, mutha kuwunika mosavuta kuchuluka kwa ngongole.
Kulembetsa mwalamulo ngongole. Akatswiri amalimbikitsa kuti ngakhale ntchitoyo isanatumizidwe, pemphani mgwirizano ku MFI ndikuyiphunzira mosamala. Pankhaniyi, m'pofunika kusamala pamaso pa otchedwa siyani zinthu... Chifukwa chake, ngati mgwirizano ungasonyeze kufunika kolonjeza chuma chamtengo wapatali, akatswiri samalangiza kuti avomereze ngongoleyi.
Kupezeka ndi kuchuluka kwa ma komishoni owonjezera. Ndikofunikira kudziwa ngati wobwereketsayo amalipiritsa chindapusa chopeza ngongole, kupereka ndalama, kulandila ndalama.

Gawo 2. Kutumiza fomu yofunsira ngongole

Gulu labizinesi yazachuma likasankhidwa, limangopereka ntchito... Pachifukwa ichi, mutha kukaona ofesi ya kampaniyo. Ndikofunika kupita nanu pasipoti, ndi chikalata chachiwirimunthu wodziwika.

Komabe, ndizosavuta kugwiritsa ntchito pa intaneti. Lero, ma MIs ambiri ali ndi mwayi uwu. Zolemba nthawi zambiri zimafuna za 30 mphindi.

Akatswiri satopa kukumbutsa obwereketsa kuti usanasaine mgwirizano uyenera kuwerengedwa mosamala kuyambira koyambirira mpaka kumapeto.
Nthawi yomweyo, ndikofunikira kuwunika ngati palibe zomwe zikuwonetsa kuti ngati sanalandire ngongole, wobwereka amayenera kusamutsa katundu wake kwa wobwereketsayo. Muyeneranso kuwonetsetsa kuti ndalama zogulira ngongole zikugwirizana ndi zomwe mwapereka.

Chofunika kwambiri pakupeza ngongole ndi chindapusa... Chifukwa chake, zambiri za iwo ziyenera kuphunziridwa mosamala, kutengera momwe zinthu ziliri ndi kuchuluka kwa zilango.

Pomwe mgwirizanowu watsimikiziridwa, zimangotsala kuti zisayine panganolo ndikulandila ndondomeko yobwezera... Ndikofunika kufotokozera pasadakhale njira zosungitsira ndalama zomwe zingagwiritsidwe ntchito ndikusankha njira zabwino kwambiri.

Ndalama zitha kupangidwa m'njira ziwiri:

magawo pafupipafupi;
ndalama kumapeto kwa nthawi.

Gawo 3. Kulandila ndi kubweza ndalama

Akatswiri amalimbikitsa kugwiritsa ntchito njira zopanda ndalama kuti alandire ndalama - ku khadi yakubanki, e-chikwama, ndalama... Mukamagwiritsa ntchito njirazi, wobwereka amasunga umboni wa zolembedwa zomwe adalandira.

Ndalama zikalandilidwa, ndikofunikira kuzitaya mwanzeru. Poterepa, muyenera kuganizira mawu obwezera omwe akhazikitsidwa ndi mgwirizano. Ngati palibe ma risiti azandalama omwe akukonzedwa patsikuli, ndiyofunika kupulumutsa ndalama zomwe mwalandira kuti muthe kulipira.

🔔 Ndikofunika kukumbukira, kuti kuphwanya malamulo obwezera kungapangitse kuti zinthu ziwonongeke ndi mbiri yakale ya ngongole. Chifukwa chake, masiku omalizira operekera ndalama ayenera kulemekezedwa. Mukamalipira, muyenera kusamalira zikalata zotsimikizira kuti ndalama zasungidwa.

7. TOP-3 MFIs pokonza mbiri ya ngongole 🏦

Zitenga nthawi yochulukirapo kuti muphunzire payekhapayekha ndikuyerekeza kufananiza ngongole za ma MFO angapo. Kuwongolera ntchitoyi, ganizirani Makampani TOP-3, yomwe ili ndi mbiri yabwino komanso yabwino.

1) Ezaem

Kampani Ezaem akufuna kuti angopeza ngongole yoyamba kwaulere. Ndikubweza ngongole mobwerezabwereza, chiwongola dzanja chimayamba.

Potengera momwe ndalama zimagwiritsidwira ntchito pachaka nthawi 15 masiku kulipira zambiri 700%... Mukalandira ngongole kuyatsa 30 masiku, mtengo ukhazikitsidwa pafupifupi 600% pachaka.

Obwereka ali ndi ufulu wosankha momwe angalandire ndalama zovomerezeka.

Mutha kupeza ndalama m'njira zosiyanasiyana:

ndalama;
ku akaunti yakubanki kapena khadi;
Chikwama cha Qiwi;
kusamutsa ndalama kudzera pa Makina Othandizira.

Mutha kulipira ndalama, ndi kirediti kadi, komanso positi kapena kusamutsa banki. Phunziro loyambirira la mgwirizano, mgwirizano ungatsitsidwe patsamba la MFI. Zambiri zamakongoletsedwe amalembedwanso apa.

2) NdalamaMan

Ngongole yoyamba NdalamaMan amapereka kuchotsera - 50%. Mukalandira ngongole pamtengo 10 000 Ma ruble mlingo wakhazikitsidwa pa 1,85% tsiku lililonse.

Mutha kulandira ndalama ku khadi yakubanki kapena akaunti, ndalama, kudzera munjira zosinthira ndalama. Ndalama zimaperekedwa kudzera m'malo olipilira, posamutsa kuchokera ku khadi yakubanki kapena akaunti.

Musaope kuti MFI yomwe ikukhudzidwa ikupereka zikalata zambiri. Kuphatikiza pa mgwirizano, muyenera kusaina kuvomereza ndipo malonjezo.

3) E-kabichi

E-kabichi lilinso makasitomala atsopano kukwezedwa zosiyanasiyana. Lero, pali vuto pakalibe chiwongola dzanja chambiri pa ngongole yoyamba.

E-kabichi ya ngongole imakhazikitsa mitengo yotsatirayi:

nthawi yoyamba 12 masiku - 2,1% tsiku lililonse;
1,7% tsiku lililonse lotsatira.

Kumbukirani kuti tsamba la MFO lilibe cholembera chowerengera magawo a ngongole. Chifukwa chake, zambiri pazambiri zolipirira ndalama zitha kupezeka muakaunti yanu mukalembetsa.

Mutha kupeza ndalama, komanso kulipira ngongole, pogwiritsa ntchito makhadi akubanki, ma wallet amagetsi kapena ndalama... MFI ikuti zidziwitso zonse za ngongole zonse zimasamutsidwa BKI.

Kuti mumveke bwino, magawo onse obwereketsa muma MFO omwe awunikiridwa afotokozedwa mwachidule patebulo.

Tebulo: "Mabungwe azachuma ang'onoang'ono a TOP-3 ndi momwe angabweretse ngongole mwa iwo"

Ma IFI	Makhalidwe apadera a ngongole	Voterani	Njira yolandirira ndalama	Njira zobwezera
Ezaem	Ngongole yoyamba yopanda chiwongola dzanja	Kwa nthawi ya 15 masiku - zambiri700% pachaka Pa 30 masiku - 600%	Ku akaunti yakubanki kapena khadi, chikwama cha Qiwi, posamutsa ndalama kudzera pa Contact system	Ndalama, kirediti kadi, positi kapena kusamutsa kubanki
NdalamaMan	Kuchotsera 50% kwa makasitomala atsopano	1,85% patsiku	Ku khadi yakubanki kapena akaunti, ndalama, kudzera munjira zosinthira ndalama	Kudzera m'malo olipirira, posamutsa kuchokera ku khadi yakubanki kapena akaunti
E-kabichi	Ngongole yoyamba imaperekedwa popanda chiwongola dzanja	Nthawi yoyamba 12 masiku - 2,1% tsiku lililonse, 1,7% tsiku lililonse lotsatira	Ku khadi la kubanki, e-wallet kapena ndalama	Kudzera khadi yakubanki, e-chikwama kapena ndalama

Tebulo lili ndi malingaliro * a mabungwe azachuma omwe amawerengedwa, omwe amapereka kukonza mbiri ya ngongole ndi ma microloans pa intaneti.

* Kuti mumve zambiri zamomwe mungapezere ngongole, onani masamba a MFO ovomerezeka.

8. Momwe mungasungire mbiri yanu yangongole ngati simupereka ngongole - maupangiri 6 othandiza

M'malo mwake, osati kalekale, mabanki ambiri adapereka ngongole kwa aliyense, osafufuza za solvency, pokhapokha akapereka pasipoti.

Komabe, kuyambira pachiyambi2017 Ngongole zaku Russia za mabungwe amabanki zidadutsa2 trilioni rubles.

Nthawi yomweyo, ziwerengero zikuwonetsa kuti zambiri 50% obwereka amalandila ngongole zatsopano kuti alipire zomwe zidalipo kale.

Zotsatira zake, obwereketsa ambiri amapezeka kuti akumva kukanidwa kulikonse polemba fomu yofunsira. Obwereketsa sakukhulupiriranso kuti angathe kukwaniritsa udindo wawo.

Koma izi zitha kuthetsedwa. Kuti muchite izi, muyenera kutsatira malangizo omwe ali pansipa.

Malangizo enieni amomwe mungabwezeretsere mbiri yanu yangongole ngati mabanki samapereka ngongole

Langizo 1. Perekani ngongole yanu

Akatswiri ali ndi chidaliro kuti njira yofunikira kwambiri komanso nthawi yomweyo yodalirika yobwezeretsanso ngongole ndikulipira ngongole yomwe idalipo, pachifukwa ichi muyenera kuchita zingapo:

Gawo 1. Tumizani pempho ku kabukhu kakang'ono ka mbiri yakale ya mbiri ya ngongole kuti mudziwe momwe ma CRIs ali ndi chidziwitso chokhudza inu.

Chowonadi ndi chakuti chidziwitso chokhudza mbiri ya ngongole chimatha kusungidwa kumaofesi angapo.

Zoposa 93% za mbiri ya ngongole zimapezeka m'maofesi akuluakulu 4: NBKI, Equifax, Russian Standard Credit Bureau, United Credit Bureau (OKB)

Zonse zimatengera mabungwe omwe ngongole zimaperekedwa. Zambiri kuchokera ku CCCI zitha kupezeka kwaulere (pokhapokha pempho likaperekedwa m'malo mwa wobwereka ndi bungwe loyimira).

Gawo 2. Kalata yochokera ku CCCI itakonzeka, muyenera kulumikizana ndi a credit bureau, omwe kasitomala wawo amabwereka. Kumeneko, amafunsidwa kuti mudziwe zambiri pazomwe zilipo.

Ofesi iliyonse imapereka chitsogozo chaulere 1 kamodzi pachaka. Koma nthawi yomweyo ndikofunikira kulumikizana ndi notary kuti atsimikizire siginecha pa pempholi. Mwachilengedwe, mudzayenera kulipira ntchito zoterezi.

Satifiketi ya mbiri ya ngongole imawonetsa zidziwitso zakulandila zolakwa za ngongole. Komanso, nthawi iliyonse kutalika kwake kumawonetsedwa m'masiku.

Pakufunsira ngongole, mabanki amalingalira kutalika kwanthawi:

Ngati ipitirira 30 masiku, zifukwa zomwe zinayambitsa zophwanya ziwerengedwa, komanso ngati zachotsedwa pakadali pano.
Ngati kuchedwa kukupitirira 90 masiku, ngongole yatsopano ikuyenera kukanidwa.

Ndikofunikira kudziwa kuti CRI imapeza zambiri zamitundu yonse yobwereketsa - ngongole za ogula, ngongole zamagalimoto, ngongole zanyumba, makhadi.

Gawo 3. Wobwereketsa atalandira lipoti la ngongole m'manja mwake, amadziwa kale komwe ndi ngongole zake. Zimatsalira kulumikizana ndi wobwereketsa ndikubweza ngongoleyo.

Ngongole ikagulitsidwa ku kampani yosonkhanitsa, akatswiri amalangiza choyambirira kuti afune kubweza mgwirizanowumomwe kugula kunapangidwira. Kuphatikiza apo, ndi mgwirizano wotere, ndikofunikira kupita ku banki kukaonetsetsa kuti zakwaniritsidwa.

Gawo 4. Ngongole ikabwezeredwa, pempho liyenera kuperekedwa ku ofesi ya ngongole kuti muphatikize zomwe zili mu lipotilo.

Mukayika ngongole yonse, ndikofunikira kuti musaiwale kubwereka kwa omwe amagulitsa ngongole kapena kampani yosonkhanitsa ngongoleThandizeni kuti kasitomala salinso ngongole.

Kuphatikiza apo, mutapereka malipirowo, muyenera kusunga chikalata chotsimikizira kuti munalipadi. Izi zikapanda kuchitidwa, pali chiopsezo kuti ndalamazo sizingafike pamalopo, ndipo ngongoleyo isamalipidwe.

Langizo 2. Lumikizanani ndi banki yomwe idapereka khadi yamalipiro

Njirayi ingathandizenso kukonza mbiri yanu ya ngongole ndikuwonjezera mwayi wovomerezedwa ndi pempho la ngongole. Izi zimafuna kugwira ntchito ndi wolemba anzawo ntchito omwe amapereka ndalama m'njira zopanda ndalama.

Kudutsa 3 miyezi yakulipidwa pafupipafupi pa khadi, mutha kuyesa kufunsira kiredi... Ngati banki ivomera ndikupereka khadi ngati imeneyi, ndikofunikira kugwiritsa ntchito malire omwe munapatsidwa ndikubweza ngongoleyo munthawi yake.

Njirayi imalola pafupifupi 12-36 miyezi kuti musinthe mbiri yanu yangongole. Komabe, izi sizingakhale zokwanira kuti angopeza ngongole zambiri. Komabe, ndizotheka kale kudalira ngongole zazing'ono.

Ndikofunika kukumbukira, kuti nthawi zambiri, poyang'ana wobwereka, ogwira ntchito kubanki amamvetsera zinthu zaposachedwa ku credit bureau.
Chifukwa chake, mwayi wopanda kukayika ndikutulutsa ngongole m'mbuyomu, komanso kubweza kwawo kwakanthawi. Chifukwa chake, pang'onopang'ono, nkhani yabwino imaphimba nkhani yoyipa.

Langizo 3. Gwiritsani ntchito ntchito za MFI, kubweza ngongole panthawi

Njirayi yosinthira mbiri yanu ya ngongole ndiyotalika. Koma zimakupatsani mwayi wowonjezera kudalira kwa mabanki kwa wobwereka.

chinthu chachikulu mwayi njirayi ndiyoti nthawi zambiri imangokhala pasipoti... Nthawi yomweyo, ma MFO, monga obwereketsa ena, amatumiza zidziwitso pakukwaniritsidwa kwakanthawi kwa zomwe akufuna maofesi a ngongole.

Kuti muwongolere mbiri yanu ndi ngongole mu MFOs, muyenera kubwereka ndalama zochepa, ndipo mutabweza bwino, mutha kukulitsa kukula kwa ngongole yomwe mwapereka. Pambuyo pake, zimangotsala pang'ono kukulitsa kuchuluka kwake ↑ ndikukwaniritsa zofunikira munthawi yake.

Pamapeto pake pambuyo pake 6-12 miyezi, mutha kuyesa kulumikizana ndi banki ndi fomu yofunsira ngongole yaying'ono. Werenganinso nkhani yomwe ili pamutu - "Ndi mabanki ati omwe samawona mbiri ya ngongole".

Langizo 4. Konzani zolakwitsa m'mbiri yanu yangongole

Mukamayang'ana lipoti lonena za mbiri yawo yangongole, obwereketsa nthawi zambiri amawulula zolakwika zina ndi zolakwika zake. Malamulo amalola makasitomala kukonza zinthu zomwe sizowona.

Njirayi iphatikiza izi:

Wobwereka ayenera kutumiza pempho ku ofesi ya ngongole. Ndikofunika kuwunikirako zambiri zazolakwika zonse ndi zolakwika zomwe ziyenera kusinthidwa.
Wobwereketsa yemwe adatumiza zidziwitso zotsutsanazi amatumiza pempho kuti atsimikizire zomwe zalembedwa. Pa 2-x masabata, amakakamizidwa kukonzanso mbiri ya ngongole, kapena kuisiya osasintha, ngati zomwe zaperekedwa ndizodalirika.
Aofesi ya ngongole, nawonso, amakonzekera ndikutumiza lipoti kwa wobwereketsayo nthawi 30 masiku kuchokera tsiku lomwe adalandila pempholo.

Ndikofunika kumvetsetsa ameneyo sayenera kudalira kuti angakonze zodalirika. Zosintha zimapangidwa pokhapokha ngati pali zolakwika zenizeni.

Ngati kukonzanso zolakwika kumakanidwa, wobwereka ali ndi ufulu wopita kwa oyang'anira milandu kuti akwaniritse izi.

Langizo 5. Pezani ngongole yotetezedwa ndi katundu komanso chiwongola dzanja chachikulu

Ngati mbiri yanu yangongole yawonongeka mosayembekezereka, mutha kupereka chuma chamtengo wapatali kwa wobwereketsa ngati chikole kuti chiwonjezere mwayi wosankha bwino pempho la ngongole.

Ndikofunikira kuti malowo akwaniritse izi:

anali a wobwereka malinga ndi umwini wawo;
inali yamadzi kwambiri, ndiye kuti, iyenera kufunidwa pamsika.

Wobwerekayo akakana kubweza, banki imangogulitsa chikolecho popanda vuto lililonse ndipo ibweza ngongole yonse. Nthawi zambiri amagwiritsidwa ntchito pazinthu izi magalimoto ndipo malowo.

Komabe, pakakhala zovuta zazikulu ndi mbiri ya ngongole, munthu sangadalire mawu oyenera oti angongole ngongole, ngakhale atakhala ndi chikole chapamwamba kwambiri.

Zowonjezera, ndalamazo ziperekedwa pamlingo wokwera, zomwe zimatha kufikira 50% pachaka. Koma ngongole yotereyi, ndi kubwerera kwakanthawi, imatha kukupatsani chisonkhezero chabwino pa mbiri ya ngongole.

Ngati mukufuna kudziwa zambiri zamomwe mungapezere ngongole yotetezedwa ndi malo ndi nyumba, werengani nkhani yathu.

Langizo 6. Gwiritsani ntchito mapulogalamu apadera a kubanki

Kuti mukonze mbiri yanu yangongole, mutha kugwiritsa ntchito mapulogalamu apadera kubanki... Mukazigwiritsa ntchito, wobwereka amapereka ndalama zomwe amalandila kuti alipire ntchito zokulitsira mbiri.

Ngakhale kuti ndalama zoyendetsedwa ndi banki zotere siziperekedwa kwa kasitomala, ayenera kubweza. Kukula kwa ngongoleyo, chifukwa chake, zolipira sizidalira kokha ngongole, komanso mtundu wa mbiri ya ngongole ya wobwereka.

Pomaliza nsonga ina yofunika kwambiri – osapereka ndalama, zikalata ndi zambiri zanu kwa anthu abodza... Sizovuta kuwasiyanitsa: anthu oterewa amatsimikizira kuti angabweretse ngongole ndikupempha kuti alipire ndalama zoyendetsera ntchitoyi.

Ena ochita zachinyengo amapereka kuti musinthe mbiri yanu yangongole ya ndalama. Izi ndizokayikitsa kwambiri, chifukwa wobwereka yekha ndiye amene angakulitse mbiriyo.

9. FAQ - Mafunso Ofunsidwa Kawirikawiri

Mutu wakukweza mbiri ya ngongole umadetsa nkhawa ambiri. Kuphatikiza apo, pophunzira, pamakhala mafunso ambiri. Kumapeto kwa nkhaniyi, mwachizolowezi tinayesa kuyankha otchuka kwambiri.

Funso 1. Kodi ndingasinthe bwanji mbiri yanga yangongole kwaulere ndi dzina lomaliza kudzera pa intaneti?

Ambiri obwereka omwe ali ndi mbiri yoyipa akudabwa momwe angasinthire mbiri yawo yangongole pa intaneti osalipira ntchito powapatsa mayina awo okha.

Komabe, ziyenera kumveka kuti zomwe zingachitike pa intaneti kokha pezani zomwe zili mu lipotilo.

Makampani ambiri pa intaneti amapereka kuti athandize anthu kupeza mwachangu chidziwitso. Komabe, sangathe kukonza mbiri ya ngongole pogwiritsa ntchito dzina lomaliza la wobwereketsayo. Chomwe angawathandize ndikuwalangiza pakusintha mbiri yanu.

Mwanjira ina, konzanso mbiri ya ngongole ndi dzina lomaliza kudzera pa intaneti adzalephera... Ngakhale zikafunika kukonza zolakwika, uyenera kukonzekera zikalata zothandizira.

Funso 2. Kodi mbiri yoyipa ya ngongole idzakhazikitsidwanso liti? Kodi amasungidwa nthawi yayitali bwanji ku credit bureau?

Mukamapanga ngongole iliyonse, ndikofunikira kukumbukira mbiri yanu yobweza ngongole. Kuphwanya malamulo aliwonse kukhudza mbiri ya kasitomala kwa nthawi yayitali.

Zimatenga nthawi yayitali bwanji kuti zisinthe mbiri yanu ya ngongole? Zero lokwanira la mbiriyakale yangongole imachitika kokha m'zaka 15 pambuyo pa kusintha komaliza kutachitika. Nthawi yomweyo, mafunso sayenera kutumizidwa ku CRI ndipo ngongole zatsopano ziyenera kuperekedwa.

Komabe, kuphwanya kumabwezeretsedwanso ku zero mu fomu ya pafupifupi 5 zaka. Koma palinso mkhalidwe wofunikira - muyenera kukonza ngongole zazing'ono, ndikukwaniritsa zofunikira zawo munthawi yake.

Funso 3. Momwe mungasinthire mbiri ya mbiri yanu pazosunga zonse?

Nthawi zambiri pamakhala zotsatsa pa intaneti zomwe zimafufuta mbiri yakale ya ngongole kapena kukonza zomwe zili mu lipotilo. Chodabwitsa ndichakuti ambiri obwereketsa omwe mbiri yawo yangongole yawonongeka akukhulupirirabe kuti izi ndizotheka.

Ndikofunika kukumbukira, malamulo aku Russia akuwongolera mosamala kuthekera kosintha mbiri ya ngongole. Mutha kusintha kokha pakagwa zolakwika komanso zolakwika.

Ku Russia, palibe njira yoyeretsera mbiri yanu yangongole mwakufuna. Ripotilo limasinthidwa nthawi zonse, chifukwa chake palibe munthu kapena kampani yomwe ingakhudze zomwe zimawonetsedwa.

Zochita za BCI zimayendetsedwa mosamalitsa Ndi Central Bank of Russia... Zambiri zimalowetsedwa m'mbiri ya ngongole pokhapokha cheki yachitika. Zachidziwikire, zolakwika zimatha kuchitika. Komabe, kuthekera kwawo ndikotsika ↓. Ndisanayiwale, ngakhale atamwalira wobwereka, zambiri za iye zimasungidwa 3 za chaka.

Zikukhalira kuti kukopa zomwe zidasungidwa m'mbiri ya ngongole, komanso kuzichotsa, ndikungosavuta zosatheka... Ripotilo ndichotulutsa chokhala ndi chidziwitso chokhudza ngongole, kuchuluka kwa ngongole, komanso kuchedwa kololedwa.

Mbiri ya mbiri yakale lero ndi chimodzi mwazizindikiro zofunika kwambiri pakukhazikika kwa wobwereka. Ambiri omwe amabweza ngongole amasamala. Chifukwa chake, ndikofunikira kuti musayese kuwononga mbiri yanu.

Komabe, ngati mbiri yanu yangongole yawonongeka kale, pali mwayi wokonza. Koma ziyenera kukumbukiridwa kuti iyi ndi njira yayitali yomwe ingafune kuyesetsa kwambiri kuchokera kwa wobwereka.

Pomaliza, tikupangira kuwonera kanema momwe mungayang'anire ndikusintha mbiri yanu ya ngongole:

Ndizo zonse kwa ife.

Tikulakalaka owerenga magazini azachuma "Ideas for Life" kuti mbiri yanu yangongole ikhale yabwino. Ngati zili zoyipa, tikukhulupirira mutha kukonza msanga komanso mosavuta.

Ngati muli ndi mafunso, ndemanga kapena zowonjezera pamutuwu, lembani mu ndemanga pansipa. Tidzakhalanso okondwa ngati mutagawana nkhaniyi ndi anzanu pa malo ochezera a pa Intaneti. Mpaka nthawi yotsatira!

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