Ndalama zobwerekedwa - momwe mungapezere pa khadi mwachangu osafufuza za mbiri yanu ya ngongole + kwa iwo omwe akufuna ndalama ndi CI yoyipa komanso kuchedwa

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Moni kwa owerenga malingaliro a Moyo! Lero tikukuuzani komwe mungabwereke ndalama ndi momwe mungazipezere pa khadi mwachangu osayang'ana mbiri yanu yangongole pa intaneti, komanso zomwe muyenera kuchita mukamafuna ndalama ndi mbiri yoyipa ya ngongole komanso kuchedwa kwa kulipira.

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

Kumapeto kwa kufalitsa mudzapeza upangiri waluso wamomwe mungatulukire dzenje la ngongoleyo, komanso mayankho amafunso otchuka kwambiri.

Kotero apa tikupita!

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 tibwerere kumutu wankhani yathu 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 tibwerere kumutu wankhani yathu ndikupitiliza.

Werengani za momwe mungabwereke ndalama (pakhadi mwachangu osayang'ana mbiri yanu yangongole), komanso komwe mungapite ngati mukufuna ndalama ndi CI yoyipa komanso kuchedwa - werengani m'magazini ino

1. Zoyenera kuchita ngati mukufunikira ndalama mwachangu? 📄

Sikuti aliyense amakwanitsa kugawa ndalama m'njira yoti ikhale yokwanira pamalipiro. Komanso, palibe amene sangatengeke ndi zochitika zosayembekezereka. Zikatero, funso limakhala kuti ndibwereke ndalama ziti.

Chimodzi mwazomwe mungasankhe ngati izi ndi kupeza ngongole ku khadi yakubanki. Kubwereka ndalama pa khadi kumatulutsidwa mabanki ndipo mabungwe azachuma... Izi zitenga nthawi yocheperako: kwenikweni mphindi zochepa ziyenera kuwonongedwa polemba pulogalamu yapaintaneti, osapitilira kotala la ola adzagwiritse ntchito popanga chisankho cha wobwereketsa ndi kubweza ndalama.

Pakatikati pake, ntchito yobwereketsa ku khadi yakubanki ndi ngongole yaying'ono posamutsa ndalama ku chida cholipira.

Ubwino (+) Njirayi ili ndi zambiri. Palibe chifukwa chokumana ndi woimira banki kuti amalize kugwiritsa ntchito ndikupeza ndalama zobwerekedwa. Kulandila ndalama pangongole kukhadi kumachitika kwathunthu mu pa intaneti... Izi zitha kuchitika nthawi iliyonse, tsiku lililonse la sabata.

Akatswiri amalangiza ganizirani kangapo musanalankhule ndi omwe amapereka ngongole. Njirayi imapewa zovuta pakubweza ngongole.

Ndikofunika kubwereka ndalama pakhadi pokhapokha ngati izi:

mabanki akuluakulu akukana kupereka ngongole kwa ogula;
mavuto akulu abuka omwe amafunikira kukonza kwakanthawi ndipo ndalama sizingathetsedwe;
pamene palibe mwayi wobwereka kwa abwenzi ndi abale;
pali chidaliro kuti ngongole idzabwezedwa posachedwa;
kudzera mukugwiritsa ntchito ndalama, zitha kupezeka maubwino omwe angakwaniritse mtengo wobwereketsa.

Ngati mukulitsa luso lanu, mutha kukumana ndi mavuto akulu. Mukalandira ndalama pangongole, mudzayenera kulipira zambiri chidwi... Izi zimapangitsa kuti pakhale kufunika kosamalira ndalama zogulira ngongole mosamala momwe zingathere. Kuchedwetsa kulipidwa kwamasiku ochepa kumafunikira kwambiri kuwonjezera⇑ malipiro owonjezera... Mosiyana ndi izi, ndi kubweza koyambirira, ndalama zitha kupangidwanso powerengera chiwongola dzanja.

Zida zamakono zoperekera ngongole zimakulolani kubwereka ndalama pafupifupi pafupifupi khadi iliyonse yakubanki. Iye akhoza kukhala malipiro, mwachizolowezi kubweza kapena ngakhale ngongole... Komabe, ndibwino kuti khadi litchulidwe. Ngati mwinimwini sanatchulidwepo, pakhoza kukhala zovuta pakubweza ndalama.

Ziyenera kuganiziridwa, kuti polandila ndalama pa kirediti kadi, ndalama zitha kukhala ndi komiti. Mtengo wake umatsimikiziridwa ndi banki yomwe idapereka khadiyo. Komanso, kuti mupewe zovuta, muyenera kuwonetsetsa kuti khadi ikugwira ntchito ndipo sinathe.

Ubwino ndi zovuta zopeza ndalama pa kirediti kadi yakubanki

2. Zabwino ndi zoyipa zopezera ndalama pakhadi 📑

Musanasankhe zobwereka ndalama pa khadi, ndikofunikira kuwunika ubwino ndipo zofooka Tiyeni uku.

Zina mwazabwino (+) ndi izi:

Kusowa kwa ngongole. Ngakhale iwo omwe ali ndi mbiri yowonongeka amatha kupeza ndalama pangongole. Ndicho chifukwa chake mwayi wosankha bwino pazomwe akufunsazo ndiwokwera kwambiri.
Chiwerengero chochepa cha zikalata zofunika. Nthawi zambiri, ndikwanira kupereka pasipoti yanu. Nthawi zina chikalata chachiwiri chimafunika.
Kupanga kosavuta kwamapangidwe. Pakati pa kotala la ola limodzi, ndalama zitha kupatsidwa khadi yakubanki.

Komabe, kulandira ndalama pangongole pa khadi kuli ndi zovuta zake (-):

Pamtengo wapamwamba. Nthawi zambiri, chiwongola dzanja cha tsiku ndi tsiku chimagwiritsidwa ntchito pangongole yomwe ikukambidwa. Amatha kuyambira 0,8 kale 3,0 peresenti. Mtengo wonse wa chaka umafika 1 100 peresenti.
Ndalama zochepa zomwe zimalandiridwa. Makampani ambiri samatulutsa zoposa 5 000-10 000 Ma ruble. Mukapempha mobwerezabwereza kwa wobwereketsa yemweyo, mutha kuyembekezera kuwonjezera malire mpaka pafupifupi 50 000 Ma ruble. Pakatikati pake, kupeza ndalama pangongole ndizochepa kwambiri.
Nthawi yobwerera yayifupi. Nthawi zambiri, mumayenera kubweza ndalama zomwe munalandira pa khadi pasanathe mwezi umodzi. Ngati ndalama zandalama ndizokwanira, sizivuta kubweza munthawi yochepa chonchi.

Komanso, musaiwale kuti akabwereketsa ndalama ku khadi, omwe adabweza ngongole amafotokoza zofunikira pazaka zomwe wobwereketsa mtsogolo. Makampani ena amati nzika zachikulire zilizonse zimatha kulandira ndalama kuchokera kwa iwo. M'malo mwake, nthawi zambiri anthu ocheperako 25 zaka pobwereketsa ndalama ku khadi kukana.

Mutaphunzira za maubwino ndi zovuta zonse za njira yomwe mukuganiza kuti mupezere ndalama zofunikira, aliyense atha kusankha kuti ndi zovomerezeka bwanji kwa iye.

Masitepe 5 momwe mungabwereke ndalama pa khadi mwachangu kudzera pa intaneti (pa intaneti)

3. Momwe mungabwereke mwachangu ndalama pa khadi pa intaneti (kudzera pa intaneti) osachoka pakhomo - malangizo ndi magawo 📝

Kuti mupeze ndalama pakhadi, ndikwanira kuthera mphindi zochepa ndikugonjetsa Masitepe 5... Poterepa, simuyenera kutuluka m'nyumba ndikukhala nthawi yayitali pamizere. Kuti mupeze ndalama mwachangu ngongole, ndikofunikira kudziwa momwe zinthu zidzakhalire posachedwa.

Gawo 1. Kupeza khadi yakubanki

Kuti mupeze ndalama ngongole mwanjira yomwe mukuganiza, choyambirira, simungachite popanda khadi la kubanki... Masiku ano, nzika zambiri zachikulire zili ndi chida chotere. Ngati, pazifukwa zina, simunakwanitse kupeza khadi, muyenera kuchita.

Pafupifupi chinthu chilichonse cha pulasitiki ndi choyenera kubwereka ndalama. Zitha kukhala ngati kubwezandipo kiredi... Komabe, pankhani yomalizayi, ndikofunikira kuzindikira kuti mabanki ambiri amatenga ntchito pochotsa ndalama pamakadi a kirediti kadi.

Mabanki amakono ambiri amapereka makasitomala awo kuti atulutse khadi osachoka panyumba. Ndikokwanira kudzaza zofunikira pa tsambalo. Khadi laku banki likakhala lokonzeka, mthenga uja amabwera nalo kudilesi iliyonse yabwino. Izi zikangochitika, mutha kupita ku sitepe yotsatira bwinobwino.

Gawo 2. Kupeza wobwereketsa

Kusankhidwa kwa kampani yomwe ikabwereke ndalama pa khadi kuyenera kuyankhidwa mosamala momwe zingathere. Chifukwa chodziwika cha njirayi yobwereka, anthu ambiri achinyengo awonekera pamsika. Sangobwereketsa ndalama zokha, komanso ndalama zoyenera zomwe ziperekedwe kukalipira Commission pantchito yomwe yaperekedwa.

Kuti musakhale ozunzidwa, ndikofunikira kutsatira malamulo angapo posankha wobwereketsa:

phunzirani mosamala, pendani ndikuyerekeza zomwe makampani osiyanasiyana amapereka;
werengani mosamala pangano la ngongole musanasaine;
ndemanga zowunikira ndi zina zambiri zokhudza wobwereketsa pa intaneti;
kulabadira mbiri ndi kutalika kwa kampani yobwereketsa;
ganizirani zomwe anzanu ndi omwe mumakumana nawo mukalandira ndalama pangongole.

Nthawi zambiri, amapereka kuti abwereke ndalama m'njira yomwe angaganizire mabungwe azachuma... Komabe, mitengo ndi zochitika zina pano ndizoti malipiro ochulukirapo ngongole ndiyokwera kwambiri.

Mutha kubwereka ndalama pa khadi mu zina mabanki... Koma potembenukira kwa iwo, muyenera kumvetsetsa kuti mwayi wovomerezedwa ndi pempholi udzakhala wocheperako ↓, ndikuwatsimikizira ndikokwanira kuposa MFO.

Gawo 3. Kupanga pulogalamu yapaintaneti

Wobwereketsa akasankhidwa, patsamba lake muyenera kudzaza ntchito... Pachikhalidwe, imafotokoza zambiri za amene angabwereke. Kudzaza kugwiritsa ntchito sikutanthauza nthawi ndi khama.

Pali malamulo angapo, kutsatira omwe kumawonjezera mwayi wosankha bwino:

Mukamalowetsa zidziwitso zanu, muyenera kukhala osamala momwe mungathere, pewani typos ndi zolakwika;
simuyenera kulemba zabodza za inu nokha, chinyengo, chidzawululidwa kenako wobwereketsa akukana kupereka ndalama pangongole;
musanatumize fomu yomaliza, ndikofunikira kuti muyang'ane mosamala.

Ndikukakamizidwa kupereka zambiri zamalumikizidwe - foni yam'manja ndipo Imelo adilesi... Poterepa, ndikofunikira kuti musalakwitse, chifukwa adzayenera kutsimikiziridwa pogwiritsa ntchito nambala yomwe watumayo. Kuti ndalama zobwerekedwazo ziperekedwe ku khadi yakubanki, tsatanetsatane wake adzafunika - nambala, dzina lake ndi dzina la mwini wake, nthawi yovomerezeka.

Ndikoyenera kulingalira! Ngati khadi silinalembetsedwe, pakhoza kukhala zovuta pakubweza ndalama. Okongoletsa ena amalipiritsa pang'ono kuchokera pa khadi kuti aone ngati zomwe zalembedwazo zili zolondola (nthawi zambiri sizipezekanso 10 Ma ruble). Pambuyo chitsimikiziro, ndalamazo zimabwezedwa kwa mwini wake.

Gawo 4. Gwirizanani ndi mfundo za mgwirizano

Popeza kuperekedwa kwa ndalama pangongole kukhadi kumachitika popanda kufunika kochezera kuofesi, mgwirizano ndi malamulowo umachitika osayina mgwirizano. Izi zimagwiritsidwa ntchito kachidindokutumizidwa kwa wobwereka mu uthenga wa SMS.

Mwa kulowa manambala osakanikirana m'munda wapadera, wobwereketsayo amatsimikizira mgwirizano ndi zomwe angalandire ndalama pangongole. Zochita zoterezi, ndizofanana ndi kusaina pangano la ngongole.

Gawo 5. Kutulutsa ndalama

Simuyenera kudikirira nthawi yayitali kuti muyankhe pempho lomwe mwatumiza. Wobwereketsa amapanga chisankho mkati mwa mphindi zochepa.

Ngati zikuwoneka kuti ndi zabwino, chikalata chimatumizidwa ku imelo ya wobwereketsayo yomwe ili ndi zofunikira zonse za ngongoleyo:

kuchuluka kwa ndalama zomwe zaperekedwa;
mtengo wa chiwongola dzanja;
kukhwima.

Mphindi zochepa pambuyo pake, kuchuluka kwa ngongole kumalandiridwa pa khadi yakubanki ya wobwereka.

Sizitenga nthawi yochuluka komanso kuyesetsa kuti mupeze ndalama pangongole. Komabe, ndi bwino kulingalira pasadakhale zomwe zidzachitike kuti izi zitheke. Izi zidzakuthandizani kuchepetsa nthawi yochitira izi ndikuthana ndi vutoli mwachangu.

4. Komwe mungabwereke ndalama mwachangu pasadakhale osafufuza mbiri ya ngongole komanso osakana - mwachidule mabanki a TOP-3

Omwe ali ndi mbiri yoyipa yangongole adzayenera kubwereka ndalama kumakampani omwe sawunika. Mosiyana ndi zomwe ambiri amakhulupirira, awa si mabungwe azachuma okha. Mabanki ena amakhalanso okhulupirika kwa obwereketsa awo.

Zimapindulitsa kwambiri kulumikizana ndi makampaniwa, chifukwa mitengo yake ndiyotsika, ndipo kuchuluka ndi mawu ndizokwera. M'munsimu muli TOP-3 mabanki otchuka kwambiri ndi mwayi wololeza ofunsira kulandira ndalama pangongole.

1) Tinkoff Bank

Tinkoff Kodi ndi banki yokha ku Russia yomwe yasiyiratu nthambi ndi maofesi. Makasitomala pano amachitika pa intaneti kudzera pa intaneti kapena pafoni. Izi zimakuthandizani kuti muchepetse kufunikira koyimirira, komanso kukhala ndi nthawi yopita kunthambi ya banki.

Kuti mupeze ndalama pa ngongole, mutha kulembetsa pano Khadi la ngongole la Tinkoff Platinum... Lingaliro pa pempholo lomwe laperekedwa limapangidwa mkati mwa kotala la ola. Nthawi yomweyo, banki ndi yokhulupirika kwa makasitomala omwe ali ndi mbiri yakale ya ngongole.

Zina mwazabwino za Tinkoff kirediti kadi ndi izi:

mtengo wotsika – 19,9% pachaka;
kupezeka kwa nthawi yachisomo mpaka 55 masiku - ngati panthawiyi ngongole ibwezedwa, sipadzakhala kulipira kwakukulu;
kupezeka kwa ndalama - kale 30% ya ndalama zonse zogulidwa zimabwezedwa kwa wosunga makhadi.

2) Alfa-Bank

Alfa Bank Ndi amodzi mwamabanki akuluakulu aku Russia. Apa mutha kupeza ndalama pangongole pa kirediti kadi.

Nthawi yomweyo, sikofunikira konse kukhala ndi mbiri yabwino yangongole.

Zomwe zili mu kirediti kadi ndi izi:

Kuchepetsa ngongole mpaka 300 000 ma ruble;
nthawi yopanda chiwongola dzanja mpaka 60 masiku;
mlingo kumapeto kwa nthawi yachisomo - 23,99% pachaka;
ntchito yamakhadi aulere.

Pakati pa ubwino Alfa-Bank imatha kusiyanitsidwa padera kupezeka kwapamwamba kwambiri... Pali ma ATM opitilira zikwi makumi awiri mdziko muno, komwe mungatenge ndalama ndi chitonthozo chachikulu ndikulipira ngongoleyo.

Mu banki yomwe mukuganiza, muli mwayi wolandila ngongole ya ogula pamtengo wokulirapo - mpaka 2 000 000 Ma ruble... Komabe, pakadali pano, cheke cha ngongole chidzakhala chokwanira kwambiri.

3) VTB Bank yaku Moscow

AT VTB Bank of Moscow mutha kupeza kirediti kadi. Kampaniyi nthawi zonse imayang'ana mbiri ya ngongole. Komabe, izi sizichita mosamala kwambiri pano. Chifukwa chake, pakalibe zovuta zazikulu kwambiri ndi mbiri, ndizotheka kudalira chisankho chabwino.

Imodzi mwa makhadi otchuka kwambiri a VTB Bank of Moscow ndi "Low Tariff", zomwe zimafunikira kwambiri motere:

malire a ngongole kale 300 000 ma ruble;
Nthawi yachisomo Kutalika 50 masiku;
mlingo kumapeto kwa nthawi yopanda chiwongola dzanja - 23,9% pachaka;
kubweza ndalama pamlingo wa 5% ya makhadi.

Kuti mupeze kirediti kadi kuchokera ku VTB Bank of Moscow, muyenera kulemba fomu patsamba lino. Lingaliro liyenera kudikirira pafupifupi kotala la ola. Ngati yankho ndi inde, zimatsalira kuti mupite kuofesi ya banki ndikutenga khadiyo. Muyenera kukhala ndi zikalata zanu.

Kuti zikhale zosavuta kuyerekeza mapulogalamu omwe aperekedwa, zikhalidwe zawo zazikulu zafotokozedwa mwachidule mu tebulo ili m'munsiyi.

Tebulo "Mabungwe angongole omwe ali ndi zifukwa zabwino zoperekera ngongole ku khadi":

Kuyendetsa ngongole	Zolemba malire malire pa khadi	Kukula kwa nthawi yachisomo	Voterani kumapeto kwa nthawi yopanda chiwongola dzanja	Zojambulajambula
Banki ya Tinkoff	Ma ruble 300,000	Masiku 55	19.9% pachaka	Pakadutsa masiku 1-2, khadi limaperekedwa ku adilesi yomwe yatchulidwa
Alfa Bank	Ma ruble 300,000	Masiku 60	23.99% pachaka	Chisankho chogwiritsa ntchito pa intaneti chimapangidwa mphindi zochepa
VTB Bank of Moscow	Ma ruble 350,000	Masiku 50	23.9% pachaka	Pakakhala chisankho chabwino pazofunsidwa patsamba la banki, khadiyo imayenera kutengedwa kunthambi yapafupi

* Kuti mumve zambiri pokhudzana ndi ngongole, onani masamba aboma.

5. Ndingabwereke kuti ndalama ngati ndikufunika mwachangu ndalama zokhala ndi mbiri yoyipa ya ngongole ndi kuchedwa kwa pasipoti - mwachidule ma TOP-3 MFOs 📋

Sikuti aliyense amakwanitsa kuchita zisankho zabwino polumikizana ndi banki. Poterepa, akatswiri amalangiza kuyesera kupeza ndalama pangongole kudzera m'bungwe lazachuma... Zachidziwikire, momwe zinthu zilili m'makampaniwa sizabwino kwenikweni. Komabe, pafupifupi aliyense akhoza kulandira ngongole pano. Kuphatikiza apo, ndikubwerera mwachangu ndikulandila ngongole zochepa, kubweza kwakukulu sikungakhale kwenikweni.

Pansipa pali zifukwa zopezera ndalama ngongole 3MFIs otchuka kwambiri.

1) Wopeza ndalama

Wopereka ndalama - bungwe lazachuma komwe mungapeze ndalama mwachangu. Poganizira zofunsira, sasamala kwenikweni za mbiri ya ngongole.

Kuti mupeze ngongole kubungwe, ndikwanira kuti mudzaze zolemba patsamba lino. Pankhaniyi, kokha pasipoti, foni yam'manja ndipo mapu, komwe ndalama zidzatchulidwe.

Nthawi yoyamba yomwe mungalumikizane ndi Moneyman, mudzalandila 10 000 Ma ruble. Komabe, kuchuluka kwa malire a ngongole kumapezeka kwa makasitomala wamba. mpaka 70,000 ruble.

Moneyman amakongoza ndalama kwakanthawi kuchokera 5 masiku asanachitike 18 masabata... Kuyambira nthawi yolembetsa ntchito mpaka pomwe ndalama zimalandila, osapitilira 20 mphindi.

2) Kredito24

Chidwi ndi bungwe lazachuma pomwe mutha kubwereka ndalama pa khadi popanda vuto lililonse kwakanthawi kochepa.

Nthawi yomweyo, simufunikanso kupereka chidziwitso chokhudza komwe mwalandira, komanso cholinga cholandirira ndalama. Ndikokwanira kutumiza wobwereketsa sikani kapena chithunzi chapamwamba kwambiri cha pasipoti yanu, komanso zambiri za khadi lanu laku banki.

Zina mwazabwino zakubwereka ndalama pa khadi ku Kredito24 ndi izi:

malire a ngongole - mpaka ma ruble 30,000;
palibe chobisika chindapusa;
kuthamanga kwambiri - basi 15 mphindi;
kutetezedwa kwakukulu kwa zochitika zachuma;
njira zosiyanasiyana zobwezera - ndi khadi, kudzera ma e-wallet ndi ena.

3) Lime-Zaim

Lime-Zaim Amapereka mwayi wopeza ndalama mwachangu ngongole popanda kufunika kopereka bail, kokerani ma guarantors, sonkhanitsani zikalata zambiri.

Kuti mulandire ndalama, ndikwanira kuti mutenge zochepa chabe:

kulembetsa pa tsamba la MFO;
kuzindikira mankhwala;
lembani fomu yofunsira ndalama;
sankhani ngongole.

Pambuyo povomerezedwa ndi pempholo, ndalamazo zimasamutsidwa ku khadi. Adzayenera kubwezeredwa mopitilira 30 masiku. Kutengera ndi tariff, mutha kutenga ngongole ku Lime-Zaim mpaka ma ruble 100,000... Komabe, kuchuluka kwake kumangopezeka kwa makasitomala omwe ali nawo VIP-mikhalidwe... Kuti mupeze izi, m'pofunika kupeza ngongole mwachangu ndikuzibweza munthawi yake.

Makasitomala okhazikika ali ndi ufulu kutumikiridwa pamtengo wotsikirapo. Mogwirizana ndi nthawi 5 masiku, palibe chiwongola dzanja chomwe chimaperekedwa pa ngongole.

Zambiri, zikhalidwe zopezera ndalama ngongole m'mabungwe azachuma omwe afotokozedwera zafotokozedwa patebulo ili m'munsiyi.

Tebulo "TOP-3 MFOs yokhala ndi ngongole zabwino":

Dzina la MFO	Kuchuluka kwa ngongole zomwe zaperekedwa	Nthawi yobwereranso	Voterani
*Wopereka ndalama*	Asanachitike 70 000 Ma ruble	Asanachitike 18 miyezi	1,85% tsiku lililonse
Chidwi	Asanachitike 30 000 Ma ruble	Zolemba malire 30 masiku	1,90% tsiku lililonse
*Lime-Zaim*	Asanachitike 100 000 Ma ruble	Asanachitike 30 masiku	Kutsimikiza payekhapayekha

* Mutha kupeza zambiri zamomwe mungaperekere ngongole kumawebusayiti ovomerezeka.

Komanso munkhani yathu ina, tidakambirana za mabanki ati omwe amapereka ngongole ndi mbiri yoyipa ya ngongole ndikuchedwa popanda kukana.

6. Momwe mungatulutsire dzenje la ngongole ngati kulibe komwe mungatenge ndalama - malangizo othandiza ochokera kwa akatswiri 💎

M'magulu amakono, zochitika sizachilendo ngati nzika ikulephera kulipira ngongole zake. Zifukwa za izi zitha kukhala zosiyana. Koma zotsatira zake nthawi zambiri zimakhala zofanana. Msampha wa ngongole ungapangitse osati ku kuchepa ↓ miyezo yamoyo, komanso kutayika kwathunthu kwa katundu wa ngongole.

Mutha kutuluka mu dzenje la ngongole. Komabe, izi sizovuta kuchita. Muyenera kusintha kwathunthu moyo wanu.

Choyamba, muyenera kumvetsetsa simuyenera kubisala kwa omwe amakongoletsani... Khalidwe ili silikuthandizani kuchotsa ngongole. Pakadali pano, mbiri ya wobwereka imangokulira. Izi zidzakulitsa mkhalidwe wovuta kale pamene ngongole ikupitilira kukula chifukwa chindapusa.

Pakadali pano, ngati pakabuka zovuta, dziwitsani wobwereketsa nthawi yomweyo, ndizotheka kuvomera naye. Mukasamutsa mlandu pakakhala ngongole kubwalo lamilandu, ndalamazo zimayenera kulipidwa ndi munthu amene wapereka ndalamazo. Ichi ndichifukwa chake obwereketsa samachita changu kuti abweretse motere..

Ndikofunikira kuti makampani obwereketsa ndalama abwezeretse ndalama zawo, chifukwa chake makasitomala nthawi zambiri amapatsidwa njira zingapo zakukonzanso.

Nthawi zambiri, imodzi mwa njira zotsatirazi imagwiritsidwa ntchito pokonzanso:

Kuchepetsa kulipira.Poterepa, simukuyenera kulipira ngongoleyi kwa miyezi ingapo. Pambuyo pa nthawi yomwe agwirizana, zolipira zimapitilirabe panthawi yake.
Kulipira chiwongola dzanja chokha pangongole. Kwa nthawi yina, wobwereketsayo amalola wobwereketsayo kuti azilipira chiwongola dzanja chokha. Nthawi yomweyo, kuchuluka kwa ngongole sikutsika.
Wobwereketsa amathetsa ngongoleyo. Kuyambira pano, palibe chiwongola dzanja kapena chindapusa chomwe amalipiritsa. Komanso, ndalama zolipira atha kutsitsidwa ↓ pamlingo wovomerezeka wa wobwereka. Koma musaiwale izi nthawi pamenepa, ↑ adzawonjezeka.

Ndondomeko iti yomwe idzaperekedwe imadalira pamgwirizanowu. Nthawi zambiri wobwereketsayo amalingalira momwe wobwereketsayo alili ndipo amamupangira zomwe angachite bwino.

Zikakhala zovuta kwambiri, pomwe moyo usintha ndipo ndizosatheka kubweza ngongole yonse, ndi bwino kupita kukhothi ndi pempho la bankirapuse.
Komabe, ziyenera kukumbukiridwa kuti zikatero, msonkhowo udzaperekedwa mmanja mwa wobwereketsa.

Malangizo 6 othandiza amomwe mungatulukire dzenje la ngongole ngati kulibe komwe mungapeze ndalama

Langizo 1. Osakana kwathunthu kupereka ndalama

Ndikofunikira kuvomereza ndi wobwereketsa pakulipiritsa osachepera osachepera. Ngakhale 10% ndalama zomwe zimapangidwa nthawi zambiri zimakhala zokwanira kuyamba kuchepetsa ngongole.

Langizo 2. Chotsani ngongole zodula kwambiri poyamba

Nthawi zambiri, kulowa mumsampha wa ngongole kumalumikizidwa ndikuchita mosasamala kwamapangano ambiri olandila ndalama pangongole. Zikatere, choyambirira, muyenera kuchotsa ngongolezo ndi chiwongola dzanja chachikulu.

Kuthetsa ngongole ngati izi ndikokwera mtengo kwambiri. Chifukwa chake, ayenera kulipidwa posachedwa. Nthawi yomweyo, musaiwale za ngongole zotsalazo. Ngati mukukana kuwabweza, ndizovuta chindapusa.

Langizo 3. Yesetsani kutenga ngongole pobwezeretsanso ngongole zomwe zilipo kale

Ntchito yokonzanso ndalama ndi yotchuka kwambiri masiku ano. Zimakupatsani mwayi wobwezera ngongole zomwe zidalipo posayina mgwirizano watsopano wolandila ndalama pangongole.

Refinancing ili ndi maubwino angapo:

kuphatikiza ngongole zingapo kukhala chimodzi;
↓ kuchotsera ndalama zolipiridwa mwezi ndi mwezi chifukwa chakuwonjezera kwa mawu;
kuchepetsa ↓ kwa chiwongola dzanja, motero kulipira kwakukulu.

Komabe, simuyenera kukhulupirira mwakachetechete malonjezo otsatsa ndikuthamangira kukafunsira ndalama.

Makamaka muyenera kusanthula mosamala mawu omwe akuperekedwa, kuti mupeze magawo ndi ma komishoni.

Pambuyo pake Ndikofunika kuwerengera mtengo wogwiritsira ntchito ngongole yothandizanso ndalama ndikuziyerekeza ndi mtengo wa ngongole zomwe zilipo. Iyi ndiyo njira yokhayo yodziwira momwe kupindulira kuli kopindulitsa.

Posankha kugwiritsa ntchito malangizowa, ofunika kuziganizira, kuti kuyimitsa ndalama kumayang'aniridwa chimodzimodzi ndi ngongole yachikhalidwe.
Chifukwa chake, pakakhala zolakwika zazikulu m'mbiri ya ngongole komanso kupezeka kwa zigawenga zomwe zilipo, sizivuta kupeza chilolezo cha wobwereketsayo.

Ngati muli ndi mbiri yoyipa, mutha kuyesa kubwereketsa chiwongola dzanja chachikulu kwakanthawi kotalikirapo. Izi zidzakuthandizani kuchepetsa kulipira kwanu pamwezi.

Tikukulangizaninso kuti muwerenge nkhani yathu: "Kodi ngongole yanyumba ndi chiyani komanso zimayenda bwanji."

Langizo 4. Phunzirani kukonzekera ndalama

Kutuluka mu dzenje la ngongole kumathandiza oyenerera mapulani azachuma... Ndikofunika kuganizira mwatsatanetsatane komanso molondola ndalama ndipo ndalama... Ngati womalizirayu pazifukwa zina akuwonjezeka, muyenera kusintha momwe mumakhalira pachuma. Izi zithandizira kupeza ndalama zowonjezera kuti zithetse mavuto.

Langizo 5. Wonjezerani ndalama zomwe mumapeza

Nthawi zambiri, ngakhale kukonzekera bwino ndalama sikungathandize kuthana ndi mavuto azachuma. Zikatere, yankho lokhalo lolondola lingakhale kusaka magwero ena opezera ndalama.

Komabe, simuyenera kutenga mfundoyi mopepuka ndikuchita nawo zochitika zosiyanasiyana. Izi nthawi zambiri zimapangitsa kuti zovuta zizikhala zovuta. Ndi bwino kupeza ntchito yeniyeni.

Mfundo 6. Chotsani zochuluka

Nthawi zambiri, mitengo imakwera chifukwa chakupezeka kwa zinthu zodula kuti musunge. Mukazichotsa, mutha kusintha kwambiri zachuma chanu. Mwachitsanzo, mutha kusintha galimoto yayikulu pagalimoto yaying'ono.

Kuphatikiza apo, lero mutha kugulitsa zinthu zosafunikira kudzera mumawebusayiti apadera pa intaneti. Izi zithandizira osati kumasula malo okhala, komanso zibweretsa ndalama zina zomwe zitha kugwiritsidwa ntchito kulipira ngongole.

Kutsatira malangizo omwe ali pamwambawa kudzakuthandizani kutuluka ngongole. Koma ziyenera kukumbukiridwa kuti iyi ndi njira yayitali ndipo ndikofunikira kuchita mosasinthasintha.

7. Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬

Mukamaphunzira mutu wopeza ndalama pakhadi, pamakhala mafunso ambiri. Kuti owerenga athu asataye nthawi pakusaka, mwachizolowezi timapereka mayankho kwa otchuka kwambiri kumapeto kwa bukuli.

Funso 1. Kodi mungapeze kuti munthu yemwe angakongoletse ndalama patsogolo pa tsiku lolipira popanda chikole?

Kupeza wochita bizinesi payekha yemwe angakongoletse ndalama sizovuta lero. Pakupempha, injini zosakira zimapereka zosankha zingapo. Ambiri a iwo ndi malingaliro kuyatsa matabwa a uthenga... Zimatsala kuti zisankhe pazomwe mungapeze zomwe zili zabwino.

Komabe, sizinthu zonse zosavuta. Vuto ndikupewa kulumikizana ndi zachinyengo ndipo nkhoswe.

Ziwerengero zimatsimikizira izi 50% yazotsatsa ndi zamkhalapakati, zambiri 40% amatsogolera ku zachinyengo kapena kumawebusayiti amabungwe azachuma. Likukhalira kuti 10% yokha yotsatsa pa intaneti ndi ochokera kwa obwereketsa achinsinsi.

Lamulo lofunikira kwambiri lomwe liyenera kutsatiridwa kuti mupewe zachinyengo ndi: sikofunikira kusamutsa ndalama zolipiriratu kwa wobwereketsa mpaka ndalama zitalandilidwa.

Njira zoyenera kwa wochita ndalama moona mtima ndi izi:

wobwereketsa mwiniwake amafuna kuti msonkhanowo udziwike;
kuchuluka kwa ngongole sikungakhale kocheperako 25% (nthawi zambiri mpaka 50%);
sikofunikira kutsimikizira olemba anzawo ntchito ndikupereka chikole;
nthawi zina, obwereketsa amafunika chikole (ngati ndalama zaperekedwa kuti bizinesi ndi chitukuko chikule, gawo mu kampaniyo lingagwiritsidwe ntchito momwemo);
wobwereketsa woona samapewa kukumana ndi wobwereka.

Ngati zonse zomwe zatchulidwazi ndizofanana ndi zomwe zimasankhidwa, mwina palibe chomwe mungadandaule nazo.

Komabe, pali zizindikilo zingapo za anthu ochita zachinyengo komanso oyimira pakati:

zofunikira pazokakamiza zolembedwera za ndalama ndi chisonyezo chakuti simukukhala ndalama, koma mkhalapakati ku banki;
kukana kupereka zambiri zamalumikizidwe (nambala yafoni yam'manja);
Chizindikiro china cha mkhalapakati yemwe pamapeto pake angabweretse ngongole kubanki kukana kugwira ntchito pakakhala kuchedwa;
pali zoletsa zaka kuti munthu alandire ndalama pa ngongole;
ndalama sizipereka kwa nzika zokhala ndi chilolezo chokhala kumadera ena;
chikwangwani choti muli ndi MFI patsogolo panu ndicholumikiza kutsamba lawebusayiti m'malo mwazidziwitso.

Tikukulangizaninso kuti muwerenge nkhani yathu yokhudza komwe mungakongole ndalama mwachangu motsutsana ndi chiphaso kuchokera kwa anthu wamba (anthu).

Funso 2. Ndikufuna ndalama mwachangu lero kuti ndikhale ndi khadi yakubanki yomwe sinachedwe. Kodi mungapeze kuti ngongole mwachangu popanda ntchito komanso chiwongola dzanja?

Nthawi zomwe ndalama zimafunikira mwachangu zitha kuchitika kwa aliyense. Ngati pali kuchedwa, kusaka kukhoza kukhala kovuta kwambiri. Komabe, pamakhala zosankha zambiri kuti mupeze ndalama ngongole. M'munsimu muli otchuka kwambiri.

Kubwereka ndalama kwa abale ndi abwenzi. Njirayi imabwera m'maganizo poyamba. Komabe, sizovomerezeka nthawi zonse. Achibale sangakhale ndi ndalama zofunikira. Komanso, muyenera kufotokoza chifukwa chake mumafunikira ndalama. Komabe, zambiri 80% ya nzika, poyesa kubwereka ndalama, gwiritsani ntchito njirayi. Izi ndizowona makamaka kwa okalamba.
Kulandira ndalama kuchokera kubwereka nyumba yanu.Sizachilendo nzika zazing'ono kufunafuna njira zopangira zokopa ndalama zowonjezera. Mmodzi wa iwo ndi kukhala ndi abale ndi kubwereka nyumba yanu.
Microcredit yopanda chiwongola dzanja. Anthu ambiri amadziwa za zabwino ndi zovuta zakubwereka ndalama kuchokera ku MFIs. Koma si aliyense amene amadziwa kuti makampani ngati amenewa nthawi zambiri amagwiritsa ntchito ngongole popanda chiwongola dzanja ngati kukwezedwa. Ntchito iyi imapezeka kwa makasitomala atsopano.
Kugwiritsa ntchito ndalama za kirediti kadi. Mwakutero, iyi si njira yopezera ndalama popanda chiwongola dzanja. Komabe, kugwiritsa ntchito bwino chida ichi: kubwezera ndalama munthawi yachisomo ndikupewa kuwonjezeka kwamakomishoni, mutha kupewa kubweza.
Ngongole yochokera kwa wogulitsa ndalama payekha. Ngati mukufuna ndalama kuti mupange kapena kupanga bizinesi, mutha kulumikizana ndi omwe amagulitsa ndalama payekha. M'malo mokhala ndi chidwi, angafune kuti agawane nawo kampaniyo.

Anthu ambiri amayesetsa kupeza ndalama kwaulere popita kukapereka. Komabe, sizingatheke kupanga ndalama mwachangu mwanjira imeneyi. Njira yokhayo ndikupereka magazi 40 nthawi kapena plasma 60 ndipo khalani wopereka ulemu... Poterepa, nzika zizikhala ndi ufulu zolipira pamwezi, Ulendo waulere wopita kuchipatala Chaka chilichonse, chindapusa chapaulendo.

Pofuna kuthana ndi mavuto azachuma, ambiri amayesa kubwereketsa ku kirediti kadi yaku banki m'njira pa intaneti... Kuti muchite izi mopindulitsa komanso moyenera momwe mungathere, ndikofunikira kuti muzidziwe bwino za izi.

Pomaliza, tikulimbikitsa kuwonera vidiyo momwe mungabwereke ndalama mwachangu pa khadi:

Ndi kanema kwa iwo omwe amafunikira ndalama mwachangu ngongole, ngakhale ali ndi mbiri yoyipa ya ngongole ndikuchedwa pompano:

Gulu la Ideas for Life limalakalaka owerenga onse azisangalala. Ngati pakufunika kuti mupeze ndalama pa ngongole, zitheke kuti muzichita mopindulitsa momwe mungathere!

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