Kubwereka ndalama kwa munthu wachinsinsi polandila - momwe mungazipezere mwachangu komanso komwe mungabwereke ngati chiwongola dzanja + mawonekedwe a ngongole kudzera mwa notary

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Moni okondedwa owerenga Maganizo a Moyo! Nkhaniyi ikunena za momwe mungabwereke ndalama kwa munthu wachinsinsi polandila komanso komwe mungakongoze ndalama mwachangu, komanso kulankhulanso za njira zopezera manambala a foni ndi kulumikizana kwina kwa obwereketsa achinsinsi.

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

Kuphatikiza apo, m'buku lino mupezamo maupangiri amomwe mungapangire bwino IOU, komanso mayankho a mafunso otchuka.

Chifukwa chake, tiyeni tiyambe!

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.

Momwe mungabwereke mwachangu ndalama kuchokera ku chiphaso kuchokera kwa munthu wachinsinsi, komwe mungabwereke ndalama mwachidwi komanso komwe mungapeze nambala zafoni za omwe adatsimikizadi - werengani za izi ndi zina zambiri m'magazini ino

1. Zomwe muyenera kudziwa musanabwereke ndalama polandila kuchokera kwa munthu wachinsinsi 📃

Nthawi zomwe ndalama zimafunikira mwachangu, koma palibe poti zingatenge, aliyense amadziwa. Nthawi zambiri, akakumana ndi vuto lotere, anthu amapempha zopereka adabwereka ndalama polandila... Kuti achite izi, amapita kwa obwereketsa anzawo.

Ngongole zotere zimakopa anthu omwe ali pamavuto ndi izi:

mkulu ↑ liwiro lolandila ndalama;
kuti mupeze ngongole yotere, pamafunika minimum osachepera phukusi la zikalata.

Komabe, pali zovuta zina pakusankha izi:

ngongole zoterezi zimadziwika kwambiriRate chiwongola dzanja;
osunga ndalama ambiri payekha amafuna kuti wobwereka apereke mtengo wotsika wamadzi.

Tiyenera kukumbukira kuti zotsatsa sizikhala ndi mitundu yonse yazokongoletsa polandila. Chifukwa chake, musanasaine pangano la ngongole, ndikofunikira kuti muwerenge mosamala.

Zofunika! Ambiri mofulumira kapena chifukwa chosadziwa zambiri amasaina panganolo osayang'ana. Maganizo amenewa angadzetse mavuto aakulu mtsogolo.

Gawo lofunikira pakupeza ngongole kuchokera kwa munthu wachinsinsi motsutsana ndi chiphaso ndikusaka wobwereketsa. Choyamba, ziyenera kukumbukiridwa kuti zotsatsa izi zimayikidwa nthawi ndi nthawi ndi abodza.

Ndikofunikira kufunafuna wobwereketsa pokhapokha pazomwe zatsimikiziridwa. Apa mutha kuphunziranso ndemanga za wogulitsa ndalama payekha wa makasitomala omwe agwiritsa kale ntchito zake.

Kuti musankhe pamitengo yambiri, muyenera kumvera mfundo izi:

mawonekedwe a malonda, komanso malo omwe adayikirako;
mndandanda wazolemba zofunika kulembetsa;
mawonekedwe a wogulitsa ndalama payekha;
kupezeka kwa mgwirizano wa ngongole, komanso zomwe zilipo;
kukula kwa chiwongola dzanja.

Malingaliro onsewa atawunikidwa, mutha kupitiliza kupeza ngongole kuchokera kwa wobwereketsa payekha. Nthawi yomweyo, ziyenera kukumbukiridwa kuti mukalandira ndalama motsutsana ndi chiphaso, makamaka ndi chikole, ↑ zoopsa.

Ngati mukufuna ndalama akatswiri akukulangizani kuti muyambireni ndi banki kaye. Nazi zinthu zabwino: osachepera ↓, ndi ngongole yayitali ↑.

Mutha kutenga ndalama kwa wobwereketsa pokhapokha mukakhala ndi chidaliro pakuchenjera kwake. Mukapanga mgwirizano ndi wogulitsa ndalama yemwe ali ndi mbiri yokayikitsa, mutha kukhala kapolo wa ngongole kapena kutaya katundu wolonjezedwa.

Patsamba lathu pali nkhani yothandiza momwe mungatengere ngongole zotetezedwa ndi malo ndi nyumba - timalimbikitsa kuti muwerenge.

Njira zazikulu zomwe mungabwereke ndalama kwa munthu wachinsinsi wotsimikizika polandila

2. Komwe mungabwereke (kubwereka) ndalama ndi chiwongola dzanja kuchokera kwa munthu wachinsinsi mwachangu - Njira TOP-4 zopeza wobwereketsa wachinsinsi wodalirika wokhala ndi manambala a foni 📑

Kupeza wobwereketsa wachinsinsi wokhala ndi mbiri yabwino kwambiri ndi gawo limodzi lofunikira kwambiri lopeza ngongole. pa chiphaso.

Ndikofunika kumvetsetsa kuti nthawi yomweyo kuli chiopsezo chogwera m'manja mwa anthu ochita zachinyengo omwe, kudzera pa intaneti, amakopa nzika zonyenga. Pali njira zingapo zotsimikizika zopezera obwereketsa, ena mwa iwo amasiya awo manambala a foni kulankhulana.

Njira 1. Bulletin board

Nthawi zambiri, zopereka kuti mutulutse ngongole polandila zimapezeka pa intaneti, ndi zosindikizidwa... Njirayi ndiyosavuta kwambiri ndipo ndiyoyenera kwa iwo omwe akufuna ndalama pangongole kudzera mwa omwe amagulitsa ndalama pazosowa zawo.

Njira 2. Bungwe lazamalonda

Pali maofesi ambiri pa intaneti omwe amaperekedwa kuti apange bizinesi ndi chitukuko cha bizinesi. Apa mutha kukumana ndi anthu amalingaliro ofanana omwe akufuna kuyika bizinesi yamunthu wina.

Njira 3. Mgwirizano Wazogulitsa

Mizinda ikuluikulu kwambiri idatero mayanjano apaderazomwe zimabweretsa pamodzi mabungwe azachuma. Apa mutha kupeza mosavuta anthu omwe amaika ndalama, ndikuwapatsa risiti ndi chiwongola dzanja.

Njira 4. Kugwiritsa ntchito othandizira

Pazifukwa zambiri, nzika sizingathe kapena sizikufuna kuti zizifunafuna okha ndalama zawo. Poterepa, mutha kulumikizana ndi apakatikati apadera, omwe ali osinthitsa ngongole.

Cholinga chachikulu cha makampaniwa ndikuthandizira kupeza wogulitsa ndalama wodalirika yemwe ali ndi ngongole zabwino kwambiri. Kwenikweni, osinthitsa ngongole amakhala ngati nkhoswe pakati pa wobwereka ndi wochita bizinesi yabizinesi.

Ntchito za othandizira awa ndi awa:

fufuzani zopereka ndi zinthu zoyenera;
kuphunzira mgwirizano wamalipiro;
thandizo posankha njira yopindulitsa kwambiri yothandizirana.

Nthawi zambiri, obwereketsa ngongole amagawika m'magulu akulu awiri:

Oyendetsa oyeraZogwira ntchito pokhapokha malinga ndi malamulo apano. Thandizo lawo limayimira zofuna za wobwereketsayo polumikizana ndi wobwereketsayo. Samatsimikizira zotsatira zabwino mukalandira ndalama ngati wobwereketsayo ali ndi mbiri yowonongeka ya ngongole ndipo alibe katundu wokwera mtengo. Mtengo wa ntchito zamkhalapakati wotere umasiyanasiyana mkati kuchokera 0,5 kale 10% pa kuchuluka kwa ngongole yofunikira... Ena amalonda amafunsira kulipiratu ntchito zawo, zomwe sizingabwezeredwe ngakhale zitakhala kuti sizabwino.
Amalonda akuda nthawi zambiri amagwiritsa ntchito njira zosavomerezeka pantchito yawo. Amatha kupatsa makasitomala kuti apereke satifiketi yabodza kapena buku lantchito. Mabroker akuda alibe chidwi ndi solvency ya makasitomala. Komabe, atha kutsimikizira kuti ali ndi ngongole yokwanira yokwanira. Mtengo wa ntchito zamakampani akuda zimadalira zovuta za chiwembu chomwe agwiritsa ntchito kuti atenge ngongoleyo.

Magawo akulu opezera ndalama ngongole pangongole kuchokera kwa munthu wachinsinsi

3. Momwe mungabwereke ndalama kwa munthu wachinsinsi polandila popanda kulipira - 7 njira zazikulu 📋

Kupeza ngongole yolandila ndalama nthawi zambiri kumachitika malinga ndi chiwembu china. Kuti kulembetsa kuyende mwachangu mokwanira komanso popanda zovuta zilizonse, ndikofunikira kuti muphunzire mosamala malongosoledwe a magawo a njirayi.

Gawo 1. Kusankha wobwereketsa payekha

Nthawi zambiri, mabizinesi azinsinsi ndi omwe amakhala ndi ndalama. Cholinga chawo ndikupanga phindu pobwereketsa ndalama pa chiwongola dzanja.

Akatswiri amalimbikitsa kugwiritsa ntchito zothandizidwa pokhapokha posankha wobwereketsa payekha.

Muyenera kumvera mokoma izi:

kupezeka kapena kupezeka kwa malingaliro abwino komanso olakwika;
mbiri yamalonda;
nthawi yogwiritsira ntchito ndalama;
momwe wobwereketsa wachinsinsi amavomera kupereka ngongoleyi.

Gawo 2. Kukambirana zazikhalidwe za ngongole

Wobwereketsa payekha akasankhidwa, muyenera kulumikizana naye kuti akuuzeni zomwe angavomereze kuti apereke ndalamazo.

Chimodzi mwa ubwino ngongole zapadera ndikuti chiwongola dzanja chake sichikhazikika. Kukula kwake kumatsimikizika payokha pakukambirana pakati pa wobwereketsa ndi wobwereka.

Ndikofunika kukumbukira, kuti mgwirizano womwe udakwaniritsidwa uyenera kuwonetsedwa mu mgwirizano. Kuphatikiza apo, chiwongola dzanja changongole chikuyenera kuwonetsedwa mu risiti. Poterepa, sigwiritsa ntchito mtengo, koma ndalama zofanana.

Gawo 3. Kuwerengetsa magawo oyenera a ngongole

Ngati ndalama zibwerekedwa kwa nthawi yayitali, ndiye kuti ngongole zibwezedwa pang'onopang'ono. Poterepa, muyenera kuwonjezera kuwerengera zolipira.

Nthawi zambiri, kubweza kumachitika mofanana nthawi ndi nthawi. Ndikofunikira osati kuwerengera kuchuluka kwa zolipira, komanso kukonza mu mgwirizano.

Gawo 4. Kukhazikitsidwa kwa mgwirizano wa ngongole

Chikalata chachikulu chomwe chimalemba zonse zomwe ngongole ili mgwirizano... Ndi amene amathandiza kuthetsa mikangano pakati pa maphwando. Zonse zokhudzana ndi mgwirizano pakati pa wobwereka ndi wobwereketsa ziyenera kulembedwa mgwirizanowu.

Musanasaine pangano, ndikofunikira kuti muwerenge mosamala. Potero, chisamaliro chapadera chiyenera kulipidwa ndima zomwe zidasindikizidwa zazing'ono.

Ndikofunikanso kuti magawo onse akulu a ngongole ndi zomwe zikuchitika pokwaniritsa zomwe zingachitike mukakakamizidwa zikuwonetsedwa molondola mgwirizanowu. Pokhapokha mfundo zonse za zikalatazo zitadziwika kwa wobwereka, mutha kuyisayinira.

Gawo 5. Kulembetsa risiti

Mukalandira ndalama kuchokera kwa omwe amapereka ngongole zachinsinsi, kuwonjezera pa mgwirizano, zimapangidwa nthawi zonse chiphaso... Ndi iye amene amakhala ngati chitsimikizo chobweza ndalama zomwe wobwerekedwayo wabweza, poganizira chiwongola dzanja chomwe adapeza.

Akatswiri amalangiza dziwani risiti. Poterepa, ndikutsimikiza kukhala chikalata chomwe chingakuthandizeni kuthetsa kusamvana kukhothi. Komabe, ziyenera kukumbukiridwa kuti mudzayenera kulipira zowonjezera pantchito zovomerezeka.

Gawo 6. Kulandila ndalama

Njira yolandirira ndalama imakambilana ndi maphwando kale Mapeto a mgwirizano wa ngongole.

Zosankha zomwe amagwiritsidwa ntchito kwambiri ndi izi:

kusamutsa ndalama kuchokera m'manja kupita m'manja;
kusamutsa ndalama ku khadi la kubanki;
tumizani ku chikwama chamagetsi.

Gawo ili liyenera kulembedwa. Pachiyambi choyamba, mutha kulembetsa zakulandila ndalama mu risiti. Zosankha zina zitha kutsimikiziridwa macheke, ma risiti, ndalama zolipira.

Gawo 7. Kubweza ngongole

Ndalama zikalandilidwa, gawo la kubweza ngongole limayamba. Nthawi yomweyo, ndikofunikira kutsatira mosamalitsa zomwe zafotokozedwa mgwirizanowu. Izi zithandiza kupewa zilango.

Zindikirani! Zoyenera kukwaniritsa mgwirizano zikakwaniritsidwa, wobwereka ayenera kufunsa wobwereketsa kuti abweze risiti. Ikuti wobwereketsa alibe ndalama zilizonse zomutsutsa.

Kutsata molondola malangizo omwe ali pamwambapa kumangothandiza osati kungopeza ndalama kuchokera kwa wobwereketsa, komanso kupewa mavuto osiyanasiyana.

4. Zomwe mungalandire ndalama pobweza ngongole kuchokera kwa munthu wachinsinsi kudzera kwa notary 📄

Kupanga risiti ya ngongole yochokera kwa wobwereketsa payekha kwa notary kumathandiza wobwerekayo kuti asalumikizane ndi anthu ochita zachinyengo. Njira imeneyi ndiyopindulitsa onse awiri. Chitsimikizo cha chiphaso cholemba ndi notary chimatsimikizira kukwaniritsidwa kwa zomwe anzawo akuchita ndikupanga mwayi wogwiritsa ntchito ufuluwo.

Pochita ngongole, maphwando atatu akukhudzidwa:

Wogulitsa payekha imapatsa wobwereka ndalama zina. Malinga ndi zolembedwazo, amazilandiranso limodzi ndi chiwongola dzanja chomwe adapeza munthawi yomwe agwirizana.
Wobwereka amalandira ndalama ndipo amayesetsa kuti abweze.
Notary Amatsimikizira chiphaso chomwe chimatsimikizira kuti munthu wina akubwereka ndalama kwa mnzake.

Koyamba, njirayi ilibe zovuta. Komabe, pali zina zapadera polemba notisiti.

Ziyenera kuganiziridwa,obwereketsa omwe amafuna kupanga ndalama mwa kulipiritsa chiwongola dzanja. Komabe, payokha, zochitika ngati izi yoletsedwa.

Ndiye chifukwa chake ndizosatheka kuwonetsa mu risiti kuti ndalamazo zimasinthidwa kukhala chiwongola dzanja. Pofuna kuthetsa kusamvana uku, chinyengo chimodzi chimagwiritsidwa ntchito:

Wobwereka amayenera kubwezera kuchuluka kwa wobwereketsayo, poganizira chiwongola dzanja chomwe wapeza. Risiti isanawerengedwe ngongole yonse... Ndi amene akuwonetsedwa mu risitiyo. Zotsatira zake, wobwereka amalandira zochepa less kuposa kuchuluka komwe kwawonetsedwa mu risiti.

Ena, atakumana ndi ngongole ngati izi motsutsana ndi risiti yolembetsa ku notary, amawona ngati chinyengo. Komabe, izi sizolondola.

Obwereketsa anzawo si mabungwe azachuma, chifukwa chake sioyenera kupereka ngongole. Kuti mudziteteze ndikutsimikizira kubweza ngongole osati chiwongola dzanja chokha, komanso chiwongola dzanja, chiphaso chikuwonetsa ngongole yonse.

Ngati chikalatachi chikuwonetsa kuchuluka kwa ngongole yomwe mwapereka, zimapezeka kuti wobwereka ali ndi ufulu wobwezera kokha, osanyalanyaza chidwi. Poterepa, chinyengo chimatha kuzindikirika pazochita za wobwereka. Komabe, sizingachitike kutsimikizira izi kukhothi. Ichi ndichifukwa chake mu risiti, yotsimikizika ndi notary, kuchuluka kwa ngongole kumawonetsedwa limodzi ndi chiwongola dzanja.

5. Momwe mungalembere IOU molondola - mfundo zofunika kwambiri zolembetsa + chiphaso choti mulandire ndalama pangongole💎

Pofuna kupewa mavuto pobweza ngongole zomwe analandira kuchokera kwa omwe amapereka mwachinsinsi, ndikofunikira kuti mupange chikalata chachikulu, chomwe ndi chiphaso... Imapangidwa ndikusainidwa ndi wobwereka.

Ndikoyenera kulingalira! Pakakhala mikangano pakati pa iye ndi wobwereketsa, risitiyo ikhoza kuganiziridwa ndi khothi. Chikalatachi ndichovomerezeka.

Limodzi mwa malamulo ofunikira kwambiri popanga risiti ndikuti imapangidwa ndi dzanja.

Chitsanzo chiphaso cholandirira ndalama ngongole

Poterepa, chikalatacho chiyenera kukhala ndi izi:

dzina la chikalatacho (risiti);
dzina lokhazikika komwe adakonzedwerako;
tsiku lolembetsa;
zambiri zamakontrakitala;
zambiri zokhudza malonda;
kusaina.

Mukamapanga risiti, ndikofunikira kuzindikira zomwe zili komanso malo omwe kuli mfundo zazikulu:

pamwamba pakati pa mzere akuwonetsedwa Mutu wa chikalatacho;
pansipa pamzere umodzi: kuchokera kumanzere - mzinda, kuchokera kumanja - tsiku;
zambiri zamakontrakitala ziyenera kukhala deta ya pasipoti, tsiku lobadwa, ndi ma adilesi okhala;
kuloza zambiri zokhudza malonda, ndikofunika kulingalira kuchuluka kwa ngongole, nthawi ndipo njira yobwezera, chiwongola dzanja;
pansi pa risiti iyenera kukhala Saina ya wobwereka.

Makulidwe ochulukirapo a ngongole omwe wobwereketsa achinsinsi amafotokozedwa mu chikalata chomwe chikuwerengedwa, zidzakhala zosavuta kuti khothi lipange chisankho choyenera.

Zomwe mungakonde - kutsimikizika ndi notary kapena mboni?

Alipo 2 mwayi wotsimikizira risiti - notary kapena mboni... Ndikofunikira kudziwa njira yomwe mungakonde.

Kuzindikiritsa risiti chimakhala chitsimikizo kuti ndizowona, ndipo zomwe akuchita sizachinyengo. Komabe, si aliyense amene amakhutira kuti notary amayenera kulipira ntchito yotere.

Njira yaulere kapena yotsika mtengo ikhoza kukhala kukopa mboni. Komabe, ziyenera kukumbukiridwa kuti sayenera kukhala ndi chidwi ndi zomwe zikuchitika. Ngati mikangano ibuka pambuyo pake, umboni wa mboni ukhoza kukhudza kwambiri chigamulo cha khothi.

Nthawi zambiri, pomaliza ngongole kukalandira chiphaso, anthu samakhala ndi notary kapena mboni. Komabe, njirayi imabweretsa kuwonjezeka kwakukulu pachiwopsezo chazogulitsa.

6. Njira zachinyengo kwambiri pakubwereketsa kwaokha 📛

Poganiza zobwereka ndalama polandila, wobwereka amakhala pachiwopsezo chinyengo. Malingaliro omwe amagwiritsidwa ntchito nthawi zambiri ndi ochita zachinyengo amafotokozedwa pansipa. Kuphunzira mosamala izi kudzakuthandizani kupewa mavuto akulu.

1) Kulipira

Kufunika koperekera pasadakhale ndi imodzi mwamaqhinga otchuka kwambiri masiku ano. Anthu oba mwachinyengo amafuna nzika zonyenga zipereke ndalama zina (nthawi zambiri ochepa), akufotokoza izi motere:

kupezeka kwa Commission yofunsira mafunso ku credit bureau;
kufunika kolipira ntchito za banki kapena njira yolipirira posamutsa ndalama;
kumaliza mgwirizano wa inshuwaransi;
kulipira ntchito za notary.

Nzika zomwe zili pamavuto nthawi zambiri zimataya chidwi. Amatumiza ndalama kwa achinyengo ndipo amadikirira chisankho kuti apereke ngongole kwa iwo. Mwachibadwa, wakuba amasowa atalandira ndalamazo ndipo salumikizana.

Kuti asakumane ndi chiwembu chotere, ndikofunikira kuyang'ana obwereketsa pazinthu zotsimikizika... Kuphatikiza apo, mukaganiza zopanga Commission, ndibwino kutero nthawi yomweyo kukana.

2) Kutumiza sikani ya zikalata

Chiwembuchi chimakhalanso chofala. Achinyengo amapempha kuti awatumizire kusanthula zikalata ndi imelo. Nthawi yomweyo, palibe zifukwa zogwirizanirana zina zomwe zidanenedwa. Nthawi zambiri, chiwembu ichi chimagwiritsidwa ntchito obwereketsa achinsinsiomwe amapereka ngongole pa intaneti.

Anthu achinyengo atalandira kope la pasipoti lomwe lidayesedwa kuti mupeze ngongole kubungwe lina la ngongole... Komabe, izi ndizotheka ngati wakuba ndi wantchito wake.

Pali njira ina yachinyengo yokhala ndi zikalata - banal chinyengo cha siginecha.

3) Kupereka chidziwitso chonse chokhudza khadi yakubanki

Achinyengo ena amafunsa zambiri zamakhadi akubanki - nambala, nthawi yotsimikizika ndipo Ndondomeko ya CVC... Nthawi yomweyo, amati zomwe zanenedwa ndizofunikira kusamutsa kuchuluka kwa ngongole yomwe iperekedwe.

Mwachilengedwe, ndalama zofunika sizitchulidwa kuti ndi khadi. M'malo mwake, ndalama zimachotsedwa pa khadi pazogulitsa zomwe zatchulidwazi ndizokwanira - malipiro mafoni, kugula pa intaneti ndi ena.

Akatswiri amalangiza mukamafunsira ngongole zachinsinsi (makamaka pa intaneti), samalani momwe mungathere. Zomwe mwatchulazi zitha kuwonetsa kuti mwakumana ndi zachinyengo.

Ndikofunika kukhala tcheru ku mbiri ndipo nthawi ya wogulitsa ndalamakomanso werengani mfundo za mgwirizano... Ngati wobwereketsa sakumvetsa mfundo zilizonse za chikalatacho, ndibwino kulumikizana ndi maloya m'malo modzakumana ndi mavuto mtsogolo.

7. FAQ - Mafunso Ofunsidwa Kawirikawiri 💬

Poyesera kupeza ndalama pangongole popanda kulandila polumikizana ndi wabizinesi payekha, obwereketsa nthawi zambiri amakumana ndi mafunso ambiri. Kuti tikusungireni nthawi pakusaka, timayankha omwe amadziwika kwambiri.

Funso 1. Kodi ndingapeze kuti manambala a foni a anthu wamba omwe angathe kubwereketsa ndalama mwachangu polandila?

Othandizira a anthu (anthu) omwe amabwereketsa ndalama amapezeka pafupifupi kulikonse: zosindikizidwa, zotsatsa pamitengo ndi poyimilira, pa intaneti... Lero, owerengeka ambiri amasankha kupanga ndalama popereka ngongole.

Ntchito ngati izi zitha kuthandiza pakavuto, chifukwa:

obwereketsa achinsinsi safuna zikalata zambiri;
nthawi zambiri samanyalanyaza zovuta zam'mbiri yawo yangongole;
posankha ngongole kudzera pa intaneti, mutha kupeza ndalama osachoka pakhomo panu.

Ndikofunika kumvetsetsa kuti kufunsira ndalama kwa munthu kumalumikizidwa ndi mtengo wapamwamba ngati chiwongola dzanja. Kuphatikiza apo, ndikofunikira kukhala osamala kwambiri mukamachita mgwirizano wotere.

Funso 2. Kodi ungabwereke ndalama chiyani ngati akukana kulikonse?

Anthu ambiri akukumana ndi vuto pomwe mabanki ndipo mabungwe azachuma kukana kupereka ndalama. Mavutowa akabwera, muyenera kuyang'ana njira zina zopezera ndalama.

Ambiri mwa izi amatembenukira kwa anzawo kapena abale.... Njira yoyenera ndi pamene anzawo ali bwino kotero kuti nthawi yobwezera siyofunika. Kupanda kutero, muyenera kuwauza pasadakhale kuti ndalamazo zibwezedwa liti.

Chofunika kwambiri mwayi ngongole zochokera kwa abwenzi kukhulupirika kwabwino kwambiri... Ambiri mwa omwe amadziwa kumvetsetsa amatanthauza kuti wobwerekayo amalephera kubweza ndalamazo munthawi yake. Kuphatikiza apo, sizokayikitsa kuti pankhaniyi mudzayenera kulipira.

Komabe, ngakhale kukhulupirika kwakukulu kwa okondedwa, maubale abwino sayenera kuchitidwa nkhanza... Ngati sizotheka kubweza ngongoleyo munthawi yomwe mwagwirizana, ndikofunikira kudziwitsa wobwereketsa za izo. Khalidwe lokhalitsa pakubweza ngongole limakupatsani mwayi kuti musataye kudzidalira nokha.

Ndikofunikira kuti aliyense adziwe momwe angabwerekere kwa abwenzi molondola, ngakhale sizikusoweka ndalama tsopano.

Mwachitsanzo, ndibwino kubwereka pang'ono kuchokera kwa anthu ochepa, kuposa kuchuluka kwakukulu kuchokera kumodzi. Poterepa, zidzakhala zosavuta kupeza ndalama zokwanira.

Funso 3. Komwe mungabwereke ndalama mwachangu pa intaneti musanalandire malipiro?

Ma Microloans awonekera pamsika wachuma waku Russia posachedwa. Komabe, ntchito zoterezi zidatchuka mwachangu kwambiri. Masiku ano anthu ambiri amagwiritsa ntchito tizilombo tating'onoting'ono. Izi zimapangitsa kukhala kosavuta kuthana ndi vuto lopeza ndalama.

Ndalama zobwerekedwa pa khadi zitha kupezedwa mwachangu komanso mwachangu kuchokera kwa munthu wachinsinsi kapena bungwe la MFI (microfinance Organisation) pa intaneti (kudzera pa intaneti)

Microloan Ndi ngongole yanthawi yochepa yobwezera kwakanthawi kochepa. Kuti mulandire ndalama, phukusi locheperako limafunikira - nthawi zambiri, pasipoti imodzi ndiyokwanira.

Kukula kwa chiwongola dzanja chimadalira pazinthu zingapo. Kuphatikiza pa kampani yomwe kulembetsa kumachitika, chizindikirochi chimakhudzidwa ndi kukula kwa ngongole komanso nthawi yomwe mungagwiritse ntchito ndalamazo.

Zina mwazabwino zama microloan ndi izi:

Kukhoza kubwereka ndalama pa khadi laku banki kudzera pa intaneti. Masiku ano ma MIs ambiri amatenga ngongole pa intaneti. Pambuyo povomerezedwa ndi pempholi, ndalamazo zimangosamutsidwa kupita ku khadi kapena chikwama chamagetsi. Komanso, mutha kulipira ngongoleyo kudzera pa intaneti.
Palibe chifukwa chokopa ma guarantors kapena kupereka chikole, pomwe mabanki ali ndi vuto lotere.
Njira yosavuta yolandirira. Palibe chifukwa chofunira obwereketsa omwe angavomereze kupereka ndalama zofunikira. Ndikokwanira kukhala mphindi zochepa ndikulemba ntchitoyi.
Ma MFI alibe chidwi chofuna kupeza ngongole mosiyana ndi mabanki, omwe amawunika bwino nkhaniyi.
Kuthamanga kwambiri kwa kulembetsa - palibe chifukwa chowonongera nthawi yochezera ofesi ya wobwereketsayo ndikukonzekera zikalata zambiri. Mphindi zochepa zaulere ndizokwanira kudzaza fomu yofunsira. Chisankho chake chimatengedwanso mwachangu kwambiri.
Mukabwezera ngongoleyo mwachangu, chiwongola dzanja amawerengeranso, zomwe zimapangitsa kuti muchepetse kuchuluka kwa zolipira.

Izi zabwino zimapangitsa ma microloans kukhala njira yabwino kwambiri komanso yosavuta yopezera ndalama mwachangu. Ndizabwino kwa iwo omwe, pazifukwa zosiyanasiyana, adakanidwa m'mabanki, komanso kwa iwo omwe sakonda mafunso osafunikira popanga chisankho pa pempholo.

Mwa njira iyi, MFI ndi malo omwe mungabwereke ndalama mwachangu, ngakhale pali ngongole zabwino.

Makina ang'onoang'ono amatha kupangika popanda zovuta pa intaneti... Poterepa, ntchito zantchito, komanso mbiri ya ngongole, zilibe kanthu. Kuti mulandire ndalama, ndikwanira kuti mupite pa tsamba la MFO, lembani zolemba zazing'ono ndi zambiri zamalumikizidwe.

Mukamaliza kulembetsa, muyenera kulowa Malo Amunthu... Apa zimatsalira kusankha magawo akuluakulu a ngongole - ndalama ndipo nthawi... Ma MIs ambiri amafunikanso pakadali pano kuti atumize sikani chizindikiritso. Ngati mukufuna kulandira ndalama pangongole, muyenera kufotokoza zambiri zake.

Pamapeto pa ndondomekoyi, zimatsalira kuti zigwirizane ndi zomwe ngongole yangongole yachita. Kuti muchite izi, nthawi zambiri, ndikwanira kulowa kachidindokutumizidwa ku SMS-mauthenga.

P.S. Kuti mumve zambiri za momwe mungatengere ngongole ku intaneti, werengani nkhani ina m'magazini yathu.

Masiku ano, pali makampani ambiri pa intaneti omwe amapereka ma microans. Akatswiri samalimbikitsa pitani koyamba komwe amakugwirani diso. Komanso, musanyengedwe ndi malonjezo otsatsa otsatsa.

Kusankhidwa kwa wobwereketsa kuyenera kuchitidwa moyenera momwe zingathere. Kampaniyo iyenera kukhala ndi mbiri yoyera komanso yodalirika kwambiri. Chiwembu chopezera tizilombo tating'onoting'ono toyenera kukhala chodziwika bwino, ndipo nthawi zoyanjanirana zikuyenera kuwonekera poyera.

Kampani iliyonse imapanga magawo a ngongole pawokha. Komabe, mutha kutchula zomwe zimakwaniritsidwa nthawi zambiri:

Kuchuluka kwa ngongole nthawi zambiri sikudutsa ma ruble 30,000. Komabe, nthawi yoyamba yomwe mungalumikizane ndi kampaniyo, mudzatha kupeza osatinso 10 000 Ma ruble.
Kulandila mwachangu ndalama. Nthawi zambiri, osapitilira 5 mphindi. Kusankha zochita nthawi zambiri kumachitika mkati mwa kotala la ola limodzi.
Kulandila bwino ndalama. Makampani ambiri masiku ano safuna kukavomerezedwa ku ofesi yawo. Kuti mulandire ndalama, akuti tikugwiritsa ntchito khadi yakubanki, e-chikwama kapena njira yosamutsira ndalama.

Iwo omwe, pazifukwa zilizonse, safuna kulembetsa pazinthu zazing'ono pa intaneti, atha kulumikizana ndiofesi yabungwe lazachuma. Masiku ano, m'mizinda ikuluikulu, amapezeka kulikonse. Muofesi, chisankho chopeza ngongole chimapangidwanso mkati mwa mphindi zochepa. Pankhaniyi, ndalama zimaperekedwa ngati ndalama.

Ngakhale ma microloans amathandizira kuthana ndi mavuto azachuma munthawi yochepa, ali ndi zofunikira zofooka... Izi zimakhudza makamaka chiwongola dzanja chachikulu... Ndi yayikulu kwambiri kuposa kubwereketsa kubanki. Kuphatikiza apo, ngati kuphwanya mfundo zakubwezera ma microloan, chiwongola dzanja chimakhala chosatheka.

Kuti mugwirizane ndi ma MFIs kukhala omasuka momwe mungathere, muyenera kutsatira malamulo ochepa osavuta:

Kuchuluka kwa ma microloan sikuyenera kukhala kofunikira kwambiri. Ngakhale ndalama zochepa zowonjezera zomwe zimalandiridwa zimawonjezera kulipira kwapafupipafupi.
Ngongole ziyenera kubwezedwa munthawi yake (ndipo makamaka koyambirira)... Kuphwanya tsiku lolipira kumabweretsa kubweza chindapusa chachikulu. Nthawi yomweyo, kubweza ngongole isanakwane ndandanda kumatha kupulumutsa ndalama kwambiri powerengera chiwongola dzanja.

Njira yosankha MFI yoyenera ndiyovuta. Zimafunikira chidziwitso chochepa chachuma kuchokera kwa wobwereka mtsogolo, komanso nthawi yochulukirapo yophunzirira ndikufanizira ngongole.

Koma pali njira yosavuta - posankha wobwereketsa, gwiritsani ntchito ziwonetsero zapadera zopangidwa ndi akatswiri. Pansipa mutha kuwona chimodzi mwa izi.

Tebulo "TOP-3 otchuka kwambiri a MFO omwe adziwika kuti ndi obwereketsa odalirika, ndi malingaliro awo pakupereka ngongole":

Ma IFI	Kukula kwa ngongole	Chiwongola dzanja	Zina
Wopereka ndalama	Pakuitana koyamba - mpaka ma ruble zikwi 10 Pambuyo pake - mpaka 70 zikwi	kuchokera 1.8% patsiku	Zitenga mphindi 10 kuti mudzaze pempholi, chigamulocho chapangidwa mphindi imodzi
Chidwi	Mpaka ma ruble 30,000	kuchokera 2% tsiku lililonse	Mutha kupeza ndalama ku khadi yakubanki ndikudina kawiri
Lime-Zaim	Ngongole yoyamba ili mpaka ma ruble 9,000, pambuyo pake - mpaka 30 zikwi	kuchokera ku 2.2% patsiku	Mtengo wa wobwereka aliyense umatsimikizika mosavuta

* Kuti mumve zambiri panjira yoti mungongole ngongole, onani masamba a MFO ovomerezeka.

Mutha kupeza njira yopulumukira ngakhale pazovuta kwambiri. Mwachangu choyenera, komanso kudziwa malamulo oyambira, aliyense azitha kulandira ngongole yofunikira.

Pomaliza, tikukulangizani kuti muwonere kanema wonena za komwe mungabwereke ndalama kapena kubwereka kwaulere:

Gulu la webusayiti la Ideas for Life likufuna kuti owerenga onse asadzakumane ndi zovuta. Ndipo ngati mavuto azachuma abwera kale, aloleni kuti athetsedwe mwachangu ndi kulipira kochulukirapo!

Ngati muli ndi mafunso kapena ndemanga pamutu wankhaniyi, lembani m'munsimu mu ndemanga. Komanso, musaiwale kugawana ndi anzanu bukuli kudzera pa malo ochezera a pa Intaneti. Mpaka nthawi yotsatira!