Mwachangu (mwachangu) ofotokoza ngongole yandalama - momwe mungapezere opanda ziphaso ndi ma guarantors pasipoti patsiku lolumikizana + ndi makampani a TOP-5 omwe ali ndi intaneti
Moni, okondedwa owerenga Maganizo a Moyo! Munkhaniyi tikukuwuzani momwe mungapezere ngongole yachangu ndalama mwachangu (mwachangu) opanda ziphaso ndi ma guarantors patsiku lofunsira pasipoti.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Kumapeto kwa nkhaniyi mupeza mayankho a mafunso omwe sanaphatikizidwe mgawo lalikulu la bukuli.
Nkhaniyi ndiyofunika kuwerenga kwa aliyense. Ngakhale lero silikukonzekera kupereka ngongole yamsangamsanga ya ndalama, munthu sangakhale wotsimikiza kuti zosowazo sizingachitike posachedwa. Ndiye chifukwa chake palibe nthawi yowononga, ndibwino kuti muyambe kuwerenga pakali pano!
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 | Yerekezerani | 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.
Muphunzira kuchokera pazinthuzi momwe mungatengere ngongole mwachangu popanda ziphaso ndi ma guarantors, komwe mungalembetsere mwachangu ngongole yapaulendo pogwiritsa ntchito pasipoti patsiku lofunsira, pomwe kuli bwino kutumiza fomu yofunsira pa intaneti ngongole yachangu komanso yachangu.
1. Ngongole yachangu mwachangu - yankho mwachangu pamavuto azachuma ✅
Nthawi zomwe ndalama zimafunikira mwachangu ndizodziwika kwa aliyense. Nthawi yomweyo, kubwereka kwa abwenzi ndi omwe timadziwa nthawi zambiri sikupeza mwayi kapena chikhumbo.
Mukatembenukira kubanja lanu, simudzangonena kumene mukufuna kukagwiritsira ntchito ndalamazo, komanso mverani zokambirana zakusowa kwakusowa kwa ndalama zotere kapena momwe adathana ndi zomwezo.
Kwa anthu ambiri, ino yonse ndi nthawi yosasangalatsa, chifukwa chake amasankha m'malo mokongoza ngongole kwa okondedwa awo kuti adzalembetse ngongole ya ndalama.
Anthu ambiri amaganiza molakwika kuti ngongole zokhazokha ndizomwe zimachitika pakubweza kumeneku. Kuti muwapeze, ndikwanira kupereka pasipoti, ndipo chisankho pa pempholo chimapangidwa mumphindi zochepa.
M'malo mwake, ngongole zandalama zitha kuphatikizaponso omwe njira zawo zolembetsa ndizovuta kwambiri ndipo zimafunikira zikalata zambiri. Chokhacho ndichakuti wobwereketsayo pomaliza pake adzalandire ndalama.
Zosiyanasiyana zobwereketsa ndalama ndizodabwitsa:
- ngongole zokhala ndi chikole (monga chikole kapena chikole), komanso popanda izo;
- ndikulembetsa mkati mwa mphindi zochepa kapena masiku angapo;
- ndi kutumizira kudzera kwa wopeza ndalama kapena ku khadi yakubanki.
M'malo mwake, ngongole yandalama ndi mtundu wa ngongole ya ogula, mukalandira ndalama zomwe wobwereka ali ndi ufulu woziwononga akafuna. Ngongole zamtunduwu ndizofala masiku ano.
Mabanki akupanga mapulogalamu ochulukirapo omwe sanasinthidwe omwe amasiyana pamitengo, zofunikira kwa wobwereka, mawu ndi kuchuluka kwake. Chifukwa chake, aliyense akhoza kusankha njira yabwino kwambiri kwa iwo eni.
Njira zenizeni zopezera ngongole yachangu mwachangu komanso mwachangu
2. Komwe mungatenge ndalama mwachangu - TOP-4 zosankha zomwe zingachitike 📑
Pali njira zingapo zopezera ndalama pa ngongole. Iliyonse ili ndi yake ubwino ndipo zofooka.
Musanasankhe njira yoyenera, ndikofunikira kuti muphunzire mosamala zonse zomwe zingatheke. Iyi ndiye njira yokhayo yoganizira yomwe ikugwirizana ndi zochitika zina.
Zosankha 1. Ngongole ya kubanki
Njira yotchuka kwambiri yopezera ngongole pakati pa anthu aku Russia ndikulumikizana ndi banki. Izi ndichifukwa cha kudalira kwakukulu m'mabanki pagawo la anthu.
Ngakhale kuti pali zovuta zingapo m'derali, mabungwe obwereketsa ndalama ku Russia amayang'aniridwa ndi boma. Ndizomwe zimatsimikizira kuvomerezeka kwa magwiridwe antchito a banki, komanso kuvomerezeka kwawo.
Mabanki ambiri amapereka ngongole zosiyanasiyana za ogula:
- kusamutsa katundu kapena chikole ngati chikole;
- ndikutenga mbali kwachitatu ngati guarantors;
- kapena popanda zofunikira kuti mupereke zikalata zotsimikizira ndalama.
Komanso, mapulogalamu obwereketsa ndalama amasiyana pamitengo ya chiwongola dzanja, kukula kwake ndi malingaliro a ngongole.
Kuphatikiza apo, mabanki nthawi zambiri amakhala osiyanasiyana mapulogalamu apadera, nthawi iliyonse pazochitika zilizonse. Zonsezi zimapangitsa kuti obwereketsa azikhala ndi zochuluka zoti asankhe munjira yoyenera yobwereketsa ndalama.
Chosankha 2. Lombard
Lero aliyense amadziwa kuti malo ogulitsira ndi chiyani. Koma zingakhale zothandiza kubwereza.
Zolemba Ndi kampani yamalonda yomwe imapereka ndalama kwakanthawi kochepa pomwe chikole chimaperekedwa.
Ngati mwasankha kugwiritsa ntchito njira yochotsera ndalama, muyenera kusankha chikole chabwino.
Chofunikira chachikulu ndikuti iyenera kukhala yamadzi kwambiri. Mwanjira ina, mutu wa chikole, ngati kuli kofunikira, uyenera kugulitsidwa mwachangu komanso popanda mavuto. Pazifukwa izi, ndikofunikira kuti pakhale zofunikira pamsika zamtundu wa katundu woperekedwa ngati chitetezo.
Pachikhalidwe, malo ogulitsira malonda amavomereza ngati chikole:
- golide ndi miyala ina yamtengo wapatali;
- magalimoto;
- ubweya;
- zida zapakhomo, zomvera ndi makanema;
- mafoni.
Kuunika kwa malo omwe amaperekedwa ngati chikole kumachitika mwachindunji kumalo ogulitsira katundu. Ndalama zonse za ngongole zidzadalira phindu lomwe latsimikiziridwa munthawi imeneyi. Nthawi zambiri wobwereketsa kwambiri amanyoza mtengo poyerekeza ndi msika.
Komabe, pali maubwino omwe amawalola kuti akope makasitomala ambiri:
- Ngongole pamalo ogulitsira zinthu imathandiza kubwereka ndalama mwachangu kwambiri komanso popanda zovuta zambiri;
- Simufunikanso kutsimikizira ndalama kapena kukopa othandizira;
- Ma Pawnshops alibe chidwi ndi mbiri ya ngongole ya wobwereka.
Pofuna kuti asatayike katundu amene akulonjezedwa, wobwereka ayenera kuwerenga mosamala momwe ndalama zilili.
Ndikofunika kupereka ndalama panthawi yake. Ngati pazifukwa zina palibe mwayi wolipira ngongoleyo panthawi, muyenera kudziwitsa wobwereketsa za izi nthawi yomweyo. Poterepa, mutha kupeza njira yothetsera vutoli.
Njira 3. Mabungwe azachuma
Mabungwe azachuma (MFIs) Ndi makampani omwe siabanki omwe amapereka ngongole kwakanthawi kochepa kumagulu osiyanasiyana obwereka - nzika, mabizinesi osiyanasiyana payekha komanso mabungwe azovomerezeka.
Pali zabwino zingapo (+) zokongoza ma MFOs:
- liwiro la kulembetsa;
- phukusi locheperako - nthawi zambiri pasipoti ndikwanira;
- mutha kubwereka pang'ono osachoka kwanu.
Ngakhale kuti mabungwe azachuma amayesa kuyang'ana zabwino zawo kwa obwereketsa, ali ndi zovuta zambiri. M'munsimu muli zazikulu.
Zoyipa za (-) ngongole zoperekedwa ndi MFOs ndi monga:
- chidwi chachikulu - ndikofunikira kusinkhasinkha za parameter iyi, popeza nthawi zambiri kugwiritsidwa ntchito kwatsiku ndi tsiku;
- ngongole zochepa - pezani zambiri 10 000 Ma ruble Osatsimikiza kuti zichitika;
- nthawi yobwerera yayifupi - kawirikawiri ndizotheka kubwereka ndalama kwa milungu ingapo;
- ochuluka zachinyengo m'munda wa microcredit.
Ma Microloans nthawi zambiri amatchedwa ngongole zolipira kumapeto. Ndizofunikira kugwiritsa ntchito kokha pakagwa tsoka.
Ndikofunika kumvetsetsa kuti ndalamazo ziyenera kubwezedwa posachedwa. Mukatenga ndalama zambiri koposa mwezi umodzi, chiwongola dzanja chake chidzakhala chachikulu.
Njira 4. Wobwereketsa payekha
Pali anthu ochulukirapo padziko lapansi omwe ali ndi ndalama zambiri zomwe akufuna kulandira chiwongola dzanja kuchokera kwa iwo.
Atasankha kugwiritsa ntchito mwayi wotere, wobwereka sayenera kungoganiza za ngongole yomwe yangongole. Mbiri ya wodalitsayo ndiyofunikanso kwambiri.
Nthaŵi zambiri, monga chikalata chotsimikizira kuti munthu wabweza ngongole, chimagwiritsidwa ntchito chiphaso... Samagwiritsidwa ntchito kwambiri pazolinga izi mgwirizano.
Akatswiri amalangizamusanasaine chikalata, kaya ndi mgwirizano kapena risiti, pemphani upangiri kwa maloya akatswiri.
Adzakuthandizani kuti mumvetsetse bwino mitundu yonse ya mgwirizano womwe wasainidwa. Mwachilengedwe, ntchito ngati izi si zaulere, koma simuyenera kusunga pankhaniyi.
Ndikofunikira kudziwa kuti obwereketsa anzawo amagwiritsa ntchito mitengo yamitengo yosiyanasiyana - tsiku lililonse, mwezi uliwonse kapena pachaka... Ngakhale musanasaine pangano kapena risiti, muyenera kudziwa kuti ndi ndalama ziti zomwe zingagwiritsidwe ntchito pazochitika zina.
Ngati mungayandikire kufunafuna wobwereketsa payekha ndiudindo waukulu, mutha kuthana ndi vuto lakusowa ndalama.
Kuti mumve zambiri zamomwe mungabwereke ndalama ndi chidwi kuchokera kwa munthu wamba, werengani nkhani ina patsamba lathu.
Poganizira zonse ubwino ndipo zofooka njira zingapo zobwereketsa, mutha kusankha njira yoyenera yopezera ndalama zakanthawi.
Njira zazikulu zisanu zopezera ngongole yapa ndalama
3. Momwe mungapezere ngongole yachangu mu ndalama mphindi 15 - malangizo amomwe mungalandire ngongole mwachangu 📝
Kupeza ngongole yachangu komanso yachangu, kuthera pafupifupi kotala la ola limodzi, kuli m'manja mwa oyamba kumene. Kuti muchite izi, ndikwanira kutsatira izi pansipa malangizo ndi sitepe.
Gawo 1. Kusankha wobwereketsa ndi pulogalamu yobwereketsa
Gawo ili ndilofunikira kwambiri pakufunsira ngongole yangongole. Mukalakwitsa pano, simudzatha kubwereka ngongole pazabwino.
Kuphatikiza apo, akakumana ndi achinyengo, wobwereketsa nthawi zambiri samalandira ndalama zomwe amayembekezera, ndipo nthawi zambiri amataya ndalama zake.
Pochepetsa mwayi wokumana ndi omwe alibe ngongole, ndikwanira kutsatira malamulo akulu awiri:
- gwirizanani ndi makampani omwe akhala akugwira ntchito pamsika kwanthawi yayitali ndipo adapeza kale mbiri yabwino;
- osasamutsa ndalama zolembetsera ngongole mpaka nthawi yolandila ngongole.
Posankha wobwereketsa, nkofunikanso kuganizira njira zobwezera ndalama zobwerekedwa... Ngati mukufuna kulipira ndalama kudzera pa desiki kapena ma ATM, ndibwino kuganizira komwe adakhalako, chifukwa njira yawo idzayenera kulipidwa mwezi uliwonse panthawi yamgwirizano.
Ndikofunikira pakadali pano kudziwa molondola zingati komanso kuti mukonzekere nthawi yayitali bwanji... Musaiwale kuti nthawi zambiri zimatengera magawo awa chiwongola dzanja... Zikatero, tikulimbikitsidwa kugwiritsa ntchito chowerengera ngongole.
Pansipa pali chowerengera cha ngongole, pomwe ndizotheka kuwerengera zolipira pamwezi ndi chiwongola dzanja pa ngongole.
Kuphatikiza apo, ofunika kumvetsera kapangidwe ka zikalata ndipo amafunika kupereka chitetezo.
Lero pali mapulogalamu ambiri obwereketsa. Wobwereka akakhala ndi zovuta pakusankha, atha kufunsa upangiri kwa manejala wa kampani yobwereketsa, yemwe angakuwuzeni mwatsatanetsatane momwe zinthu ziliri m'mapulogalamu angongole osiyanasiyana ndikuthandizani kusankha yabwino kwambiri.
Gawo 2. Kulembetsa ntchito
Lero, kuti mumalize kulembetsa, simukuyenera kupita kuofesi ya wobwereketsa. Makampani ambiri azachuma amapereka kuti achite mwachindunji pa intaneti.
Njirayi imapulumutsa nthawi yochulukirapo, komanso kutumiza nthawi yomweyo kumakampani angapo obwereketsa. Poterepa, mwayi wovomerezedwa ukuwonjezeka kwambiri.
Kugwiritsa ntchito nthawi zambiri kumaphatikiza mitundu iwiri ya chidziwitso:
- zambiri zokhudza wobwereka;
- zambiri zamomwe zinthu zidzakhalire m'tsogolo muno.
Gawo 3. Kudikira chisankho cha wobwereketsayo
Mukamapempha ngongole yangongole, nthawi zambiri, chisankho sichidikiranso 15 mphindi mutapereka pempholi. Nthawi zambiri, woimira wobwereketsayo amalumikizana ndi wobwereka mtsogolo pafoni kuti amve zambiri.
Zotsatira zakuganizira za ntchitoyi zitha kufotokozedwa m'njira zingapo:
- kudzera pa SMS;
- poyimbira foni;
- mu imelo.
Chonde dziwani kuti chisankho chomwe chapangidwa pa intaneti ndi zoyambirira... Ngati avomerezedwa, mudzayenera kukaona ofesi yakampani yolembetsa ngongole ndi zolemba zoyambirira. Chokha mutaphunzira, zimalandiridwa chisankho chomaliza.
Komabe, pali ngongole zomwe zimakonzedwa kwathunthu pa intaneti. Pankhaniyi, chisankhocho chidzakhala chomaliza nthawi yomweyo.
Gawo 4. Kusayina mgwirizano
M'mbuyomu, mgwirizanowu udasainidwa kuofesi yokhazikitsa ngongole yokha ndi siginecha yolembedwa ndi wobwereka. Kutchuka kwa ngongole zapaintaneti kwachuluka, pali njira yatsopano yolembetsera.
Poterepa, meseji ya SMS imatumizidwa pafoniyo nambala yotsimikizira... Kuyika pamunda woyenera patsamba la wobwereketsa ndikofanana ndi siginecha yolembedwa pamanja.
Ndikoyenera kulingalira! Mosasamala kanthu kuti mgwirizano wasainidwa bwanji, ndikofunikira kuti muziwerenga kaye mosamala.
Gawo 5. Kupeza ndalama zobwerekedwa
Mukamapempha ngongole yandalama, ndalama zimaperekedwa muofesi ya kampani yobwereketsa kapena kudzera mu khadi laku banki... Nthawi zambiri, muyenera kusankha imodzi mwazomwe mungachite polembetsa ntchito.
Komabe, nthawi zina funsoli silikhala ndi malingaliro osankha njira yopezera ngongole. Poterepa, mutavomereza pempholi, muyenera kusankha njira yomwe ingakhale yabwino kwambiri.
Ngati mungaganize zokhala ndi ngongole yapaintaneti, simuyenera kuchoka pakhomo kuti mukabwereke ndalama. Ndalama zidzasamutsidwa ku banki iliyonse kapena chikwama chamagetsi. Njira iyi ikhoza kukupulumutsirani nthawi yayikulu.
Potsatira kalozera pamwambapa, mutha kupeza ndalama zomwe mukufuna mosavuta. Ngakhale woyamba atha kuthana ndi ntchitoyi.
Unikiranso zamakampani obwereketsa komwe mungatenge ngongole mwachangu komanso mwachangu pogwiritsa ntchito pasipoti patsiku lofunsira
4. Komwe mungalandire ngongole mwachangu komanso mwachangu patsiku lolembetsera pasipoti kapena zolemba ziwiri (ziwiri) - mwachidule makampani a TOP-5 📊
Monga tanena kale, kusankha kwa ngongole ndi nthawi yofunika kwambiri. Nthawi zina zimakhala zovuta kusankha pakati pazambiri. Zitha kuthandiza kuchuluka kwa makampani 5 obwereketsalolembedwa ndi akatswiri.
Kumbukirani kuti mabungwe onse omwe akupezeka mundandandawu sapereka ngongole zandalama zokha, komanso makhadi a ngongole, komanso mapulogalamu ena opindulitsa.
1) Alfa-Bank
Alfa Bank Ndi bungwe lotchuka kwambiri ku Russia. Chimodzi mwazabwino kwambiri zopezera ngongole pano ndi kiredi... Zimakupatsani mwayi wobwereka ndalama mpaka 100 masiku osalipira chiwongola dzanja.
Komabe, chinthu chimodzi chofunikira chiyenera kuganiziridwa - mutha kutuluka popanda zolipira zina basi 50 000 rubles mwezi uliwonse.
Kuphatikiza pa nthawi yachisomo, palinso zabwino zina pa kirediti kadi ya Alfa-Bank:
- zosavuta kupanga;
- kuchuluka kwa ngongole - 300 000 Ma ruble;
- kupezeka kwa mabhonasi ndi kubweza ndalama.
2) Tinkoff Bank
Tinkoff Kodi ndi banki yokhayo ku Russia yomwe imathandizira makasitomala patali kudzera pa intaneti. Odziwika kwambiri pakati pa anthu ndi makhadi a ngongole bungwe ili.
Zina mwazabwino za khadi ya ngongole ya Tinkoff Platinum ndi izi:
- kulembetsa kosavuta ndi kulandira;
- palibe Commission yokhudza nkhaniyi;
- malire a ngongole mu ndalamazo 300 000 Ma ruble;
- nthawi yachisomo mpaka 55 masiku;
- mtengo kumapeto kwa nthawi yopanda chiwongola dzanja ndiwokha 12,9% pachaka;
- simukuyenera kupita kulikonse kuti mulandire khadi - mthenga uja adzaipereka ku adilesi iliyonse yabwino.
Mutha kulembetsansongongole ya ndalama patsamba la banki la Tinkoff. Kuti mupeze ngongole yotere, simuyenera kupereka umboni wa ndalama, komanso kukopa othandizira. Poterepa, mulingo udzakhala 14,9% pachaka.
3) Sovcombank
Sovcombank imapereka mapulogalamu osiyanasiyana osiyanasiyana. Palinso ngongole kwa opuma pantchito pano.
Posachedwa, chinthu chatsopano chatchuka kwambiri - Khadi lazigawo "Halva"... Sizingatheke kutengapo ndalama, koma khadi yotere ndi njira yabwino kwambiri kwa iwo omwe akufuna ngongole kuti agule malonda.
Ubwino wa njirayi ndi:
- dongosolo la magawo kutalika kale 12 miyezipanthawi yomwe palibe chiwongoladzanja chopezeka;
- chiwerengero chachikulu cha abwenzi, kulandira khadi lomwe likufunsidwa ngati kulipira, lero alipo 64 zikwi konsekonse mdziko;
- kubweza ndalama chifukwa ndalama zopanda ndalama ndi kale 1,5% za ndalama zomwe zagwiritsidwa ntchito.
4) NdalamaMan
NdalamaMan - bungwe lazachuma lomwe lakhazikitsa malingaliro ambiri okongoletsa ngongole.
Zosiyanitsa ndi gululi ndi:
- liwiro la kulembetsa;
- mawu omveka;
- kutha kusankha njira yobwezera.
Ndikofunikira kudziwa kuti makasitomala okhawo a MoneyMan ndiomwe angadalire kuti angapeze ngongole yopindulitsa kwambiri.
Kampaniyi imapereka mapulogalamu 5 obwerekera kuti mupeze:
- Yambani - kuchuluka kale 10 000 Ma ruble... Muyenera kubweza ngongole yomwe mudalandira mkati 5-30 masiku;
- Nyamuka limakupatsani kupeza pazipita 17 500 Ma ruble... Poterepa, nthawi yobwerera siyisintha;
- Kuwombera - ngongole kwa makasitomala wamba. Kuchuluka kwa pulogalamuyi ndi 30 000 Ma ruble... Nthawi ya ngongole imasinthabe;
- Turbo - kuchuluka kwa ngongole yotere kumafika 60 000 Ma ruble... Nthawi yomweyo, mawuwa akuwonjezeka mpaka 3,5 miyezi;
- Super turbo - ngongole kwa makasitomala omwe akhala akugwirizana ndi kampaniyo kwanthawi yayitali. Pulogalamuyi mutha kupeza kale 70 000 Ma ruble kwakanthawi kuchokera 4 kale 5 miyezi.
Mutha kulandira ngongole zomwe zafotokozedwazo mphindi zochepa. Ndikokwanira kupereka zolemba patsamba la MoneyMan. Mu mphindi zochepa chabe kampaniyo ipanga chisankho pa izi.
Pofuna kusamalira makasitomala, tsamba la MFI lili nalo chowerengera, yomwe imakupatsani mwayi wowerengera mwachangu komanso mosavuta magawo akulu a ngongole.
5) Kredito24
Ndalama24 - ntchito yobwereketsa pompopompo yopangidwa ndi bungwe lazachuma "Kreditech Rus"... Apa mutha kutenga kuchokera 2 000 kale 30 000 Ma ruble... Adzabwezedwa mkati mwa sabata mpaka mwezi umodzi. Kuti mulandire ndikwanira kutumizira zatsamba lino.
Ubwino waukulu wa ngongole kuchokera ku Kredito24 ndi:
- kulembetsa kumachitika kwathunthu pa intaneti;
- kupeza ngongole, pasipoti ndi chiphaso cha TIN ndizokwanira;
- kulingalira kumachitika pasanathe ola limodzi, kusamutsa ngongole kumachitika mkati 20-60 mphindi;
- palibe chikole chofunikira.
Pofuna kuyerekezera makampani omwe akuyimiridwa, ndalama zazikulu za ngongole zawo zimaperekedwa patebulopo.
Tebulo "Makampani TOP-5 omwe ali ndi zikhalidwe zabwino zandalama":
| Kuyendetsa ngongole | Kuchuluka kwa ngongole | Voterani |
| Alfa Bank | Ma ruble 300,000 | Pakadutsa masiku 100% |
| Banki ya Tinkoff | Ma ruble 300,000 | Nthawi yachisomo - masiku 55, kenako kuchokera 12.9% |
| Sovcombank | Ma 350 rubles zikwi | Miyezi 12 ndi khadi ya Halva - 0% |
| NdalamaMan | Kutengera kuchuluka kwa ngongole, kuchuluka kwake ndi ma ruble 70 zikwi | Kuyambira 0.76% patsiku |
| Chidwi | 30,000 ma ruble | Kuyambira 1.9% patsiku |
Kodi ndizotheka kupeza ngongole ya ndalama popanda ziphaso ndi ma guarantors patsiku logwiritsa ntchito pasipoti yokha - werengani
5. Kodi ndingapeze kuti ndalama yobwereka ndalama popanda chiphaso cha ndalama ndi ma guarantor? 💸
Chiwerengero chachikulu cha anthu aku Russia, pakabuka mavuto azachuma, nthawi yomweyo amasankha kupeza ngongole. Nthawi yomweyo, kufunika kwa ngongole mdziko lathu ndikokwanira. Masiku ano, pali ngongole zambiri zomwe zimasiyana malinga ndi momwe zinthu zilili, komanso kwa omwe akuwatsata.
Phukusi la zikalata nthawi zambiri limakhala lokulirapo. Nthawi zina, ndizotheka kupeza ngongole ya ndalama yopanda satifiketi yolandila ndalama ndi ma guarantors... Koma ndikofunikira kudziwa kaye momwe mungapezere ngongole yotere.
Zindikirani! Mabanki ambiri m'malonda awo amalonjeza kuti atenga ngongole popanda kufunikira kuti apeze ndalama. Momwemo, kuchuluka kwa ngongole zotere kumadzakhala zochepa kwambiri - nthawi zambiri osapitirira ma ruble 50,000... Zambiri pazokhudza ngongole popanda zolozera komanso ma guarantors pazofalitsa zathu zapadera.
Kuti mutenge ngongole yayikulu, muyenera kupereka satifiketi kapena chikalata china pazandalama.
Nthawi zina, mabanki amatenga ngongole potengera momwe angaperekere ndalama 2zikalata. Mmodzi wa iwo kwenikweni ndi nzika wamba pasipoti... Wobwereka nthawi zambiri amasankha chikalata choti apatse chachiwiri.
Poterepa, munthu ayenera kudalira mndandanda wazosankha zachiwiri zomwe banki ikupereka:
- layisensi yoyendetsa galimoto kapena yopuma pantchito;
- Satifiketi ya SNILS;
- ZINTHU;
- pasipoti yapadziko lonse lapansi.
M'malo mwake, zikalatazi zimathandizira kutsimikizira kuchuluka kwa ndalama.
Mabanki ena amafunikanso kupereka satifiketi kuchokera kuntchito... Nthawi yomweyo, ntchito siyiyenera kukhala yovomerezeka. Chowonadi ndi chakuti satifiketi imatha kudzazidwa ngati banki. Zambiri kuchokera pachikalata chotere ndi chinsinsi ku banki ndipo sizimasamutsidwa ku mabungwe aboma.
Zofunika kukumbukira, kuti zikhalidwe zopezera ngongole popanda umboni wa ndalama nthawi zambiri zimakhala zosavomerezeka.
Ngongole idzaperekedwa pamtengo wotsika pobwerera mwachangu, peresenti mlingo adzakhala pamwambapa↑... Komanso, zofunikira kwa wobwereka pakalibe kufunika kotsimikizira ndalama, cholimba kwambiri.
Wobwereka ayenera kukwaniritsa izi:
- payenera kukhala kulembetsa kwamuyaya pamalo omwe ngongole imaperekedwa;
- Zaka za wobwereka nthawi zambiri ziyenera kukhala kuchokera 24 kale 55 zaka;
- ndikofunikira kuti mbiri ya mbiri yakale ikhale yomveka bwino.
Kupeza ngongole popanda chitsimikiziro cha ndalama kubanki kuli ndi zovuta zingapo:
- kulembetsa kwanthawi yayitali;
- zofunikira kwa wobwereka;
- kufunika kopereka zikalata zina.
Zovuta zoterezi zimapangitsa kuti ngongole zikule kwambiri. m'mabungwe azachuma... Ndikosavuta kubwereka ndalama pano. Kuti muchite izi, simuyenera kuthera maola ochepa. Nthawi yomweyo, zofunika zochepa zimaperekedwa kwa obwereketsa - nthawi zambiri, ngongole zimaperekedwa osasamala za mbiri ya mbiri ya ngongole.
Kuti mupeze tizilombo toyambitsa matenda kuchokera ku MFO, muyenera kugwiritsa ntchito njira izi:
- Pitani kuofesi ya wobwereketsa.Poterepa, ndikokwanira kulumikizana ndi nthambi ya MFI ndikupereka pasipoti... Zomwe zimangongole za ngongole zimawerengedwa pomwepo, chigamulo chimaperekedwa pakubweza kwake, ndipo mgwirizano wa ngongole umasainidwa. Nthawi zambiri, kutalika kwa njirayi sichipitirira 60 mphindi.
- Kulembetsa pa intaneti. Wobwereketsayo amayendera tsamba la bungweli. Nthawi zambiri, nthawi yomweyo patsamba lalikulu lomwe mungapeze fomu yofunsira... Ndikofunikira kuyika zidziwitso zoyambira za inu momwemo. Izi nthawi zambiri zimatenga mphindi zochepa, pambuyo pake pulogalamuyo imatumizidwa kuti ikaunikidwe. Nthawi zambiri, panthawi yamgwirizano woyamba, wobwereketsa amafuna kuti wobwereka: apereke Kujambula pasipoti; tsimikizani foni ndipo imelo polowera nambala yomwe idadza kwa iwo m'malo oyenera. Pomwe chivomerezocho chikugwirabe ntchito, zimangoyendera ofesi ya obwereketsa kapena kusankha kusamutsira ku akaunti yakubanki kapena chikwama chamagetsi monga njira yolandirira ndalama.
- Kupeza khadi yokhala ndi ndalama zobwerekedwa. Choyamba, pankhaniyi, muyenera kulemba ntchito monga m'ndime yapitayi. Pambuyo pake, wobwereketsayo amapereka kwa wobwereka kudzera pamakalata kapena mthenga khadi pulasitiki, yomwe ili ndi ndalama za ngongole. Ndikofunika kumvetsetsa kuti izi sizofanana ndi kirediti kadi. MFI imangosamutsira ndalamazo ku kirediti kadi ka mnzake.
Kuti mumve zambiri zakukonza ngongole yapaintaneti, onani kanema pansipa:
Nthawi zambiri ma microloans ndiye njira yokhayo yobwerekera ndalama kwa iwo omwe ali nawo mbiri ya ngongole... MFI idzafufuza momwe zingakhalire za ngongole yomwe angabwezere. Komabe, kupezeka kwamavuto kumangokhudza kukula kwa chiwongola dzanja. Nthawi yomweyo, ngongoleyi iperekedwa mulimonsemo.
Komanso, njirayi ndi njira yothetsera mbiri yanu ya ngongole. Kuti tichite izi, ndikwanira kutulutsa ndikubweza munthawi yomweyo ma microloans angapo. Kuti mumve zambiri zamomwe mungasinthire mbiri yanu yangongole, werengani nkhaniyo kulumikizana.
Chofunika pa ma microloans ndi kukhulupirika kwa wobwereka. Koma zotere zimabweretsa kukula ↑ chiopsezo chosabweza ndalama kwa wobwereketsa. Mwachilengedwe, bungwe lazachuma limakhala ndi chidwi chokwaniritsa chiopsezo powonjezera phindu.
Izi zikufotokozera mawonekedwe apadera a ma microcredits:
- kuchuluka kwambiri - nthawi zambiri amawonetsedwa chidwi cha tsiku ndi tsiku;
- ngongole zochepa - nthawi zambiri ndizotheka kupeza osatinso 10 000 Ma ruble;
- nthawi yobwezera ngongole yochepa - miyezi ingapo pazipita.
Zotsatira za chiwongola dzanja chachikulu ndi chidwi cha wobwereka pakubweza ngongole mwachangu. Nthawi zambiri, mkati mwa miyezi ingapo, kuchuluka kwa ngongoleyi kumawonjezeka pafupifupi pa 2 nthawi.
Wobwereka ayenera kumvetsetsa kuti chisankho chogwiritsa ntchito ma microloans chikuyenera kuyesedwa mosamala. Muyenera kugwiritsa ntchito ntchitoyi kokha pakagwa tsoka.
Momwemo, ndikofunikira kubweza ndalama zomwe munabwereka posachedwa. Pachifukwa ichi, chiwongoladzanja chomwe chapeza sichidzawoneka chachikulu. Ndicho chifukwa chake ma microloan amatchedwa kawirikawiri ngongole zolipira patsiku.
Komabe, iwo omwe sangathe kutsimikizira ntchito kapena kuchuluka kwa ndalama safunika kupita kumabungwe azachuma. Ndikofunika kuyang'anitsitsa ngongole za kubanki zomwe zimapereka kupereka chitetezo.
Ngati wobwereka ali nawo galimoto, kugulitsa nyumba kapena katundu wina, mtengo wake wopitilira momwe mungafunire ngongole, mutha kuipereka ngati chikole. Poterepa, ndikofunikira kukumbukira kuti ngati ngongole siyobwezedwa, wobwereketsayo adzagulitsa malowo. Chifukwa chake, ndikofunikira kuti muzilipira zonse zofunika munthawi yake.
Tikukulangizani kuti muwerenge zolemba zathu:
- Momwe mungapezere ngongole yotetezedwa ndi malo ndi nyumba popanda umboni wa ndalama;
- Komwe mwachangu mungalandire ngongole yotetezedwa ndi nyumba;
- Kodi ndizopindulitsa kutenga ngongole yotetezedwa ndi galimoto ngati ndalama?
Komanso, monga chitetezo, mutha kukopa chikole... Ndikofunika kudziwa kuti kwa munthu amene akubweza ngongoleyo, mudzayenera kutenga zikalata zofanana ndi za wobwereka. Chifukwa chake, mbiri ya ngongole ndi solvency cheke zidzachitika kwambiri.
Mosasamala kanthu za pulogalamu yomwe idasankhidwa kuti ipange ngongole yandalama, kusankha kwa ngongole kumayenera kuyankhidwa ndiudindo waukulu. Osayenera kusokoneza ndi ndi makampani omwe akugulitsa pamsika posachedwa ndipo makamaka koposa pamodzi ndi iwo omwe ali ndi mbiri yokayikitsa.
Ngongole zochokera ku mabungwe okayikitsa nthawi zambiri zimalumikizidwa ndi mitengo yayikulu. Atalumikizana ndi obwereketsa oterewa, obwerekayo akumira m'mangongole ndipo sangathe kuwabwezera. Mabungwe ena ang'onoang'ono angongole alibe chilolezo chobwereketsa ngongole. Zochita za makampaniwa oletsedwa.
6. Ndi banki iti yomwe ndiyabwino komanso yopindulitsa kutenga ngongole yapa ndalama zochepa - zopereka zabwino kwambiri kuchokera kumabanki asanu omwe ali ndi chiwongola dzanja chochepa 📋
Kuti asankhe mwayi wabwino kwambiri wobwereketsa, wobwereka ayenera kusanthula ndikuyerekeza mapulogalamu ambiri pamsika.
Mukamasankha wobwereketsa, muyenera kulingalira:
- chiwongola dzanja;
- Wokongoza mbiri;
- nthawi yogwira ntchito kumsika;
- ndemanga za iwo omwe adachita kale ngongole pano.
Komabe, mabanki ambiri amitundu yosiyanasiyana amagwiritsa ntchito pamsika waku Russia. Iliyonse imapanga mapulogalamu ake a ngongole, ndipo kuchuluka kwawo kumatha kufikira 5 kapena ngakhale 10.
Pofuna kuti tisataye nthawi yochulukirapo poyerekeza, ndiyofunika kugwiritsa ntchito kuwerengera komwe akatswiri adalemba. M'munsimu muli kufotokozera kwa mabanki a 5omwe ali okonzeka kubwereketsa ngongole pa chiwongola dzanja chochepa (chochepa).
1) Alfa-Bank
Limodzi mwa mabanki akuluakulu ku Russia komwe mungapeze ngongole ndi Alfa Bank... Amapereka zinthu zina zabwino kwambiri kubweza ngongole zomwe sizimalipira. Kuti mutenge ngongole yotere, simudzasowa kulonjeza katundu kapena kukopa odalirika.
Komabe, kuti mulembetse ngongole pano, nthawi zambiri, muyenera kupereka zikalata zotsimikizira kuti mukugwira ntchito, komanso solvency. Ndibwino, kutsimikizira ndalama zosafunika perekani zikalata zoyenera. Amatha kulowedwa m'malo ndiumboni wosawonekera wabata.
Wobwereka atha kutsimikizira solvency ndi zikalata izi:
- zikalata zanyumbamonga galimoto kapena malo. Kuphatikiza apo, zinthu ngati izi sizikhala ngati chikole;
- chiwonetsero pasipoti yakunja ndi zolemba za maulendo aposachedwa.
Kuti mupereke fomu yofunsira, palibe chifukwa chochezera nthambi yaku banki mwachangu. Mutha kudziwa chisankho choyambirira polemba fomu yofunsira mwachindunji patsamba la Alfa-Bank. Izi sizifunikanso 10 mphindi.
2) Bank Vostochny
Bank Vostochny imadziyika yokha ngati ngongole yabwino kwambiri kwa achinyamata aku Russia, omwe zaka zawo zafika 26 zaka. Njirayi ndi yabwino kwa iwo omwe akufuna ndalama mwachangu kwambiri. Simuyenera kuchita kuchoka panyumba kuti mukawatenge.
Kuti mulembetse ngongole, pitani patsamba la Vostochny Bank ndikulemba zoyenera ntchito... Kuwona kwafunso la wobwereka kumachitika posachedwa. Ngati pempholi lavomerezedwa, sikofunikira kuyendera ofesi ya banki, mutha kuyitanitsa kubweretsa mgwirizano ndi kubwereketsa ndalama mwa kutumizira ku adilesi yabwino.
Mukamagwiritsa ntchito intaneti, wobwereka amatha kudalira zina:
- kuchotsera chiwongola dzanja;
- kupeza ngongole patsiku lofunsira.
Kuti mupeze ngongole, mufunika kukhala ndi mndandanda wazolemba. Simufunikanso kutsimikizira ndalama kapena kukopa chikole ngati mawonekedwe ndi othandizira.
3) Renaissance Mawu
Mbiri Yachikulire - banki ina yomwe mungapeze ngongole mwachangu komanso mosavuta. Ndalama zimaperekedwa pano pamitundu yosiyanasiyana ya obwereketsa.Nthawi yomweyo, mawu oti makonzedwe siabwino kokha, komanso amasinthasintha mokwanira.
Renaissance Credit nthawi zambiri imatumiza kumabanki malingaliro omwe adavomerezedwa kale... Makasitomala omwe ali ndi chilolezo akhoza kulandira ndalama pongotulutsa pasipoti yawo yokha. Poterepa, palibe zikalata zina zofunika.
Chiwongola dzanja cha ngongole mu Renaissance Credit chimatsimikizika payekha kwa aliyense wobwereka. Makasitomala okhulupirika akhoza kudalira kuwonjezeka ↑ kuchuluka kwa ngongolekomanso kuchepa ↓ peresenti pa iyo.
Kuyambira nthawi yofunsira ngongole, nthawi zambiri zimatenga basi 1 masiku... Chifukwa chake, Renaissance ndiyabwino kwa iwo omwe amafunikira ndalama mwachangu.
4) OTP Bank
Banki ya OTP Amapereka mwayi wopeza ngongole yandalama kale 750 000 Ma ruble... Poterepa, ngongole siyabwino, ndalama zomwe zimalandilidwa zitha kugwiritsidwa ntchito mwanzeru za wobwereka.
Kuti mulembetse ngongole, muyenera kuyendera nthambi yapafupi ya OTP Bank. Lero pali chiwerengero chachikulu cha iwo m'dziko lonselo. Lingaliro pazofunsira limapangidwa mwachangu, kawirikawiri nthawi 1-2 maola.
Mtengo wa ngongole zandalama ku OTP Bank uyamba kuchokera ku 12.5% pachaka... Komabe, kuti athe kuwerengera kuchuluka kotere, wobwereka ayenera kukhala ndi mbiri yabwino kwambiri ya ngongole, komanso kupereka phukusi la zikalata zomwe zikuphatikiza maudindo ambiri momwe angathere.
Banki ya OTP yakhala ikupereka ngongole zambiri. Chifukwa chake, aliyense apeza njira yoyenera pano.
Pofuna kugwira ntchito ndi banki, akatswiri amalimbikitsa kukhazikitsa ntchito yapadera yam'manja, zomwe zingathandize kuchita izi:
- pezani adilesi ya nthambi yapafupi kapena ATM;
- tchulani ndalama ndi kuchuluka kwa malipilo;
- Ntchitoyi ikukumbutsaninso kuti mudzalipire.
5) RaiffeisenBank
AT RaiffeisenBanke zabwino kwambiri pakubweza ngongole. Zowona, okhawo omwe adatero mbiri yangwiro ya ngongole, ndi malo ogwirira ntchito.
Ndikofunikira kuti banki ikhale ndi ndalama zokhazikika, zomwe ndalamazo ndizoposa zapakati. Kuphatikiza apo, wobwereka amafunika kuti atsimikizire kuchuluka kwa ndalama. Momwemo satifiketi 2-NDFL osafunika. Mutha kuyikonza ngati banki.
Anthu omwe amakwaniritsa zofunikira akhoza kudalira ngongole ya kukula mpaka ma ruble 1.5 miliyoni... Poterepa, kubetcha kumayamba kuchokera 12,9% pachaka.
Kukonzekera ngongole ndikofulumira. Ndikokwanira kudzaza zolemba patsamba lino ndikudikirira chisankho mkati mwa ola limodzi. Ngati avomerezedwa, sikofunikira kuti mupite kuofesi ya banki; mutha kuyitanitsa wonyamula katundu ku adilesi yabwino - kunyumba kapena kuntchito.
Mutaphunzira mosamalitsa momwe mabanki amafotokozera, aliyense akhoza kupeza ngongole yopindulitsa kwambiri.
7. Momwe mungapangire ndikutumiza fomu yapaintaneti ya ngongole kuti mupeze chisankho choyenera - malangizo othandiza
Kuti muwonjezere mwayi wofunsira ngongole yapa intaneti pa intaneti, pali malangizo ochepa osavuta kutsatira:
- Tumizani mafunso pamawebusayiti omwe ali ndi kuchuluka kwakukulu kwamabungwe angongole. Kuti muchite izi, muyenera kusanthula zomwe mabanki osiyanasiyana amapereka kapena kugwiritsa ntchito ntchito zina kuti zikuthandizeni kupanga chisankho choyenera. Pambuyo pake, zimangopereka fomu yofunsira ku kampani yoyenera wobwereka;
- Lowetsani zidziwitso mu fomu mosamala momwe mungathere. Zolakwitsa komanso zolakwika zimatha kubweretsa kukanidwa popereka ngongole. Zomwezo zimagwiranso ntchito pazolondola. Mwayi woti achitetezo azindikira chinyengo ndiwambiri. Poterepa, sizingagwire ntchito kuti mutenge ngongole;
- Ndikofunika kukhala osamala pakusankha zambiri zamalumikizidwe. Zolakwitsa mu nambala yafoni ziziwonetsa kuti sizingatheke kulumikizana ndi wopemphayo. Musaiwale kuti kutumiza pulogalamu yapaintaneti ndiye gawo loyamba pakupeza ngongole. Chifukwa chake, ndikofunikira kulumikizana kotero kuti katswiri waku banki amveke zofunikira ndikufotokozera za chisankhocho.
Ngati mutsatira upangiri pamwambapa, mutha kuwonjezera mwayi wa chisankho choyenera.
Komabe, ziyenera kukumbukiridwa kuti akaganiza zofunsira, banki iyenera kuganizira kuchuluka kwa ndalama zomwe zalandilidwa, komanso mbiri ya mbiri ya amene angabweretse ngongoleyo.
Ngati kuchuluka kwa ndalama sikungakhale kokwanira kukhala ndi moyo wabwinobwino ndikubweza ngongoleyo, ndipo mbiri yawonongeka, yankho la banki likhala loipa.
Kudzaza ngongole zapaintaneti ndikosavuta. Izi zitha kuchitika patsamba la banki kapena pa intaneti yapadera. Mafunsowa amapangidwa ndi iwo pawokha, koma ambiri amakhala ndi chidziwitso chofanana.
Zitsanzo Paintaneti Kugwiritsa Ntchito Ngongole
Monga lamulo, kuti mudzaze fomu yofunsira, muyenera kuyika izi:
- zambiri za wopemphayo;
- zidziwitso zantchito;
- zambiri zokhudza ndalama zomwe mwalandira;
- magawo a ngongole yofunikira;
- Zambiri zamalumikizidwe.
Ntchito zina zimafunikanso kuti muwonetse katundu wobwereka. Muyeneranso kudziwa zambiri za ngongole zomwe zidalipo kale.
Zofunika! Ntchitoyi iyenera kudzazidwa mwatsatanetsatane momwe zingathere. Chidziwitsochi chiyenera kulowa m'mizere yonse, osatengera kuchuluka kwake.
Zambiri zomwe wobwereketsa amafotokoza, zimachulukitsa mwayi wovomerezedwa.
Obwereketsa ayenera kumvetsetsa kuti chisankho chofunsira pa intaneti ndichachidziwikire. Kuvomereza komaliza kapena kukana kupereka ngongole zitha kuvomerezedwa pokhapokha kutengera zomwe zalembedwa ndikulankhulana ndi wopemphayo.
Zikupezeka kuti ndizosatheka kupereka ngongole yandalama kubanki osayendera nthambi. Kuti muchite izi, muyenera kulumikizana ndi MFI kapena musankhe kupeza kirediti kadi.
Zofunikira kwa wobwereka yemwe angaganize zopempha ngongole kubanki ndi izi:
- kupezeka kwa nzika ndi kulembetsa;
- kufikira msinkhu winawake;
- kukhalapo kwa chidziwitso, ndalama zokwanira;
- mbiri yabwino kwambiri ya ngongole.
Zambiri zokhudza inu ziyenera kutsimikiziridwa ndikupereka zikalata zomwe zanenedwa ndi malamulo a banki.
8. Ndani angapereke thandizo mwachangu kuti mutenge ngongole 📄
Nthawi zambiri, nzika zimakumana ndikuti palibe iliyonse yamakampani obwereketsa yomwe imafuna kuwapatsa ngongole mwachangu. Komabe, pali mwayi wowonjezera mwayi wosankha bwino pazofunsira. Pazifukwa izi, ndikofunikira kulumikizana ndi othandizira ngongole.
Pachikhalidwe, adagawika m'magulu atatu:
- Amalonda A ngongole Ndiwoyimira pakati pa kampani yomwe ikupereka ngongoleyo ndi wobwereka. Amathandizira kupeza ngongole zachangu, koma ntchito ngati imeneyi imayenera kulipiridwa. Ndikofunika kukumbukira kuti osinthitsa sangatsimikizire chisankho choyenera. Amangothandiza kuwonjezera mwayi wovomerezeka. Kuphatikiza apo, nthawi zina, amalonda amathandizira kukwaniritsa zinthu zabwino kwambiri.
- Alangizi azachuma Komanso akuyimira nkhoswe. Komabe, amapereka ntchito zochulukirapo kuposa zomwe amachita. Alangizi amakuthandizani kukonza ngongole, kusankha ndalama zabwino kwambiri, ndikupanga dongosolo lazachuma lokwanira.
- Masitolo akuluakulu azachuma Ndi makampani omwe amapatsa makasitomala zinthu zosiyanasiyana zachuma. Kuphatikiza pa madipoziti ndi madipoziti, ilinso ntchito za inshuwaransi... Magulosale amakuthandizani kusankha pakati pazopereka zingapo kuchokera kumabungwe osiyanasiyana angongole. Nthawi yomweyo, mutha kufananiza pa intaneti molunjika patsamba lawebusayiti.
Othandizira ngongole amathandizira obwereketsa kusanthula mitundu yonse yamapulogalamu obwereketsa, sankhani oyenera kwambiri. Komanso, ntchito zawo zimaphatikizapo kuphunzira mgwirizano wamalipiro ndikukopa makasitomala pazovuta zawo.
Mwambiri, ntchito zoperekedwa kwa wothandizira ngongole ndi izi:
- kupeza wobwereketsa wabwino kwambiri;
- kusankha pulogalamu yoyenerera ngongole;
- kudzazidwa kwapamwamba kwa pempho la ngongole;
- kubwezeretsanso ngongole zomwe zilipo kale;
- kusanthula ndalama zomwe zikubwera pakubweza ngongole;
- kuphunzira za mgwirizano wa ngongole.
Ubwino wofunafuna thandizo kwa aphungu a ngongole ndi awa:
- Kusunga nthawi yayikulu, amathera potenga ngongole;
- mawu obwereketsa abwino. Nthawi zambiri amakhala ndi mapangano ndi wobwereketsa. Makasitomala awo amatha kuyembekezera kupatsidwa kuchotsera pamitengo ya chiwongola dzanja ndi mabungwe osiyanasiyana.
Ndizachilengedwe kuti ntchito za omwe amakhala ngati ngongole siziperekedwa kwaulere. Muyenera kulipira. Mtengo wothandizira kupeza ngongole utha kukhazikitsidwa ngati kuchuluka kwake kapena kuchuluka kwa ngongole.
Ndikosavuta kwambiri kuti mutenge ngongole polumikizana ndi othandizira. Ngakhale banki ikakana kupereka ngongole, mkhalapakati amapitilizabe kufunafuna wobwereketsa woyenera. Njirayi ikupitilira mpaka zotsatira zabwino zitakwaniritsidwa.
9. FAQ - mafunso omwe amafunsidwa kawirikawiri ndi mayankho ake 💬
Mukamayang'ana momwe mungapezere ngongole mwachangu, pamabuka mafunso ambiri. Kupeza mayankho kwa iwo kumatha kutenga nthawi yambiri. Kuti tiisunge, timapereka mayankho ku mafunso omwe amabwera nthawi zambiri kumapeto kwa buku.
Funso 1. Ndikufuna ngongole yangongole mwachangu popanda chiphaso cha ndalama (2-NDFL) ndi ma guarantors. Kodi mawonekedwe a kubwereketsa kotere ndi otani?
Mwa kulumikizana ndi banki, nzika zimayembekezera kuti zingalandire ngongole mwachangu mokwanira. Ndizotheka kulandira ndalama pasanathe ola limodzi, koma izi sizotheka nthawi zonse.
Nthawi yogwiritsira ntchito ngongole imatsimikiziridwa ndi zinthu zambiri. Choyamba, kutalika kwa njirayi kumakhudzidwa ndi kuchuluka kwa ngongolendiponso akenthawi yobwerera. Zowonjezera - zizindikiritsozi, m'pamene banki imachita kafukufuku wokhudzana ndi kasitomala.
Zofunika! Mukamapereka ngongole zachinyengo, wobwereketsayo sangathe kuwunika momwe zinthu zilili ndi kasitomala. Chifukwa chake, chiwopsezo chake chimakula kwambiri ↑. Wobwereketsa amatenga njira zosiyanasiyana kuti awonjezere ndalama zake komanso kuti adziteteze.
Ichi ndichifukwa chake kuchuluka kwa ngongole zachangu nthawi zonse kumakhala kwakukulu kwambiri kuposa ngongole zomwe zimaperekedwa pambuyo pofufuza. Nthawi zambiri, chidwi chimakhala chachikulu kuposa chomwe wobwereketsa adalonjeza, kukopa kasitomala. Pafupifupi, msika wamsonkho wobwereketsa lero uli pamlingo pafupifupi 30% pachaka.
Kuti mupeze ngongole mwachangu osatsimikizira kuti mwalandira ndalama kapena kukopa ma guarantors, amene angabwereke ndalama adzagwira ntchito kubanki, ndikupereka pasipoti.
Ngati, chifukwa cha kuwunika kwa kasitomala, akatswiri aku banki aganiza kuti solvency yake ndiyotsika, kampani yobwereketsa ndalama ingafune chikole chabwino(nthawi zambiri malowo kapena magalimoto). Ngati kasitomala alephera kukwaniritsa udindo wake, banki imagulitsa malo omwe alandila ngati chikole ndipo imalipira ndalama zake.
Womwe akufuna kubwereka ayenera kumvetsetsa kuti mukafunsira kuti muteteze ngongole, mufunika nthawi yowonjezera. Banki izichita mokakamiza Kuyesa katundu, kutengera zotsatira zake mawerengedwe a kuchuluka kwa ngongole zomwe zingatheke.
Njirayi imatenga maola angapo mpaka masiku angapo. Mwachilengedwe, zikalata zina zidzafunika - izi satifiketi ya umwini katundu wolonjezedwa.
Ngongole yachinyengo imatha kukhala yopindulitsa kwambiri mukamatsatira malamulo ochepa osavuta:
- Makamaka ndikofunikira kuwonetsetsa kuti magawo mwezi uliwonse amapangidwa munthawi yake komanso mokwanira;
- Kachiwiri, kuthekera kwa kubweza msanga ndikofunikira kwambiri. Ngati kuli kotheka kubweza ngongoleyo pasanapite nthawi, chiwongoladzanja chiwerengedwanso ndipo kulipirira kwakukulu kumakhala kotsika kwambiri kuposa momwe amaganizira poyamba.
Ngati kasitomala akufuna kubwereketsa ndalama munthawi yochepa kuti apeze ndalama zokwanira, osatsimikizira kuti walimba mtima, angafunike kukopa chikole.
Ngati wobwereka alibe ndalama zokwera mtengo, ndipo palibe wowatsimikizira, ndizotheka kutenga ngongole popanda chitsimikiziro cha ndalama adzalephera... Zomwezo zimagwiranso ntchito pazomwe mbiri yakale yangongole yawonongeka kapena kulibiretu.
Zindikirani! Popereka satifiketi ya malipiro, ziyenera kukumbukiridwa kuti nthawi zambiri, ndalama ziyenera kuwonetsedwa osachepera miyezi 6 pasadakhale.
Ngakhale palibe chifukwa chotsimikizirira kuti malipirowo ndiwabwino, banki itha kukhala ndi chidwi ndi malo omwe angabwereke mtsogolo. Izi nthawi zambiri zimafunikira popereka ndalama zambiri.
Mwachilengedwe, pofufuza zomwe kasitomala amapereka, mayitanidwe amatha kuperekedwa kwa olemba anzawo ntchito. Cheke choterechi chithandizira wonjezani↑ nthawi yofunikira kuti mupeze ngongole.
Nthawi zambiri, mabanki akuluakulu omwe amagwirira ntchito yobwereketsa ndalama amakhala ndi ndalama zokwanira. Chifukwa chake, amatha kugula makasitomala mokhulupirika kwambiri. Komabe, mitengo m'mabungwe angongole ngati awa idzakhala yokwera.
Funso 2. Kodi ndizotheka kupeza ngongole yamsangamsanga popanda ziphaso ndi ma guarantors okhala ndi mbiri yoyipa ya ngongole?
Mbiri yowonongeka ya ngongole, komanso kusapezeka kwathunthu, pachikhalidwe ndicho chifukwa chachikulu chokana kufunsira ngongole. Komabe, ngakhale zitakhala zovuta zotere, pali njira zina zopezera ngongole. Koma muyenera kukhala okonzeka kuti zidzatero sizophweka.
Ngongole ya Cash yokhala ndi mbiri yoyipa ya ngongole - kodi ndizotheka kuti mupeze?
Musanapange ngongole, muyenera kuwonetsetsa kuti zodalirika zikuwonetsedwa m'mbiri yanu yangongole.
Pachifukwa ichi muyenera kutumiza kufunsira ku Credit Bureaukomwe zimasungidwa za wobwereka. Lipoti lolandilidwalo liyenera kuwerengedwa mosamala ndipo, ngati zolakwikazo zapezeka, ziyenera kuwongolera kuchokera kwa wobwereketsa yemwe adatumiza zolakwika ku BCH.
Ngati lipotilo laperekedwa Ngongole Bureau, ili ndi chidziwitso cholondola, koma chosasangalatsa kwa wobwereketsayo, muyenera kuyesayesa kwakukulu kuti mupeze chisankho choyenera pempho la ngongole.
Pali njira zingapo zomwe mungapezere ngongole ngati mbiri yanu yangongole yawonongeka:
- Ngati pali zifukwa zomveka zavutoli ndi mbiri yanu yangongole, mutha kupereka zikalata zothandizira mukamafunsira ngongole. Zikatere, mwayi wopeza chisankho choyenera ukuwonjezeka. Chomwe chimafala kwambiri chifukwa cha kusowa kwa ngongole ndizodwala kwakanthawi kwakanthawi kapena kuchotsedwa ntchito mosayembekezereka;
- Ndikofunika kusankha mapulogalamu angongole kuti mulandire ndalama, mwayi wovomerezeka kwa iwo ndiwokwera kwambiri. Nthawi zambiri, banki imapanga chisankho m'mphindi zochepa, pazipita - ola limodzi. Mwachilengedwe, munthawi yochepa chonchi, sizingatheke kuti mufufuze bwino;
- Lemberani ngongole kuchokera ku ngongole yatsopano kapena yaying'ono. Chifukwa cha mpikisano wowopsa pantchito yobwereketsa, atha kukhala okhulupirika kwambiri kwa makasitomala ndikukana kuwona mbiri yawo yangongole;
- Lemberani ngongole ku bungwe lazachuma. Ngati zina zonse zikanakanidwa, muyenera kuyesa kupeza ma microloan. Kwa nthawi yoyamba, ma MFIs amabwereketsa ndalama pafupifupi kwa aliyense, chifukwa samvera kwenikweni mbiri ya ngongole ya omwe angabwereke.
Chifukwa chake, ngakhale iwo omwe, pazifukwa zilizonse, adasokoneza mbiri yawo yangongole, atha kupeza ndalama pangongole. Komabe, muyenera kumvetsetsa kuti zikatere zimakhala zovuta kuti mupeze ngongole.
Funso 3. Kodi ndizabwino pati kutenga ngongole pompopompo ngati ndalama kapena khadi (20,000 - 50,000 - 100,000 - 200,000 - 300,000 - 500,000) kwa munthu tsiku limodzi osakana?
Tanena kale kuti mwayi wopeza ngongole ndi ochokera kumabungwe azachuma. Zoona, sizokayikitsa kuti zitha kukhala zokwanira (makamaka koyamba). Komabe, iyeneranso kufotokozedwa mwatsatanetsatane za ma MFIs omwe ayenera kulumikizidwa. M'munsimu muli kuchuluka kwa makampani azachuma ang'onoang'ono.
1) Zimer
Zimer Ndi m'modzi mwa ma MFO ochepa pomwe lingaliro lazomwe apereka limapangidwa mosavuta, ndi loboti. Ichi ndichifukwa chake ndalama zimatha kulandiridwa usana ndi tsiku, tsiku lililonse la sabata.
Kugwiritsa ntchito loboti kumatsimikizira kuthamanga kwambiri pakulandila ndalama. Ndalama zandalama zimabwera kwa makasitomala wamba kuwoloka 5 mphindi... Iwo omwe adalembetsa ku Seimer koyamba adzayenera kudzaza mafunso... Komabe, ndi yaying'ono, chifukwa chake njira zopezera ngongole zikhala zazitali kwa 5-10 mphindi.
Ntchitoyi siidandaula kwambiri za mbiri ya ngongole. Kuphatikiza apo, obwereketsa omwe ali ndi vuto lodziwika amaperekedwa kuti akonze. Kuti muchite izi, ndikwanira kutulutsa ndikubweza ngongole zingapo panthawi.
Pa ngongole zomwe zaperekedwa, Seimer amakhazikitsa milingo pamlingo kuchokera2.1% tsiku lililonse kagwiritsidwe ntchito ka ndalama... Malire ochuluka a ngongole ndi 30 000 Ma ruble.
Ndalama zitha kulandiridwa atangovomerezedwa ndi pempholi, osachoka pakhomo - ku khadi yakubanki, chikwama chamagetsi, kudzera munjira yosinthira ndalama.
2) Lime-Zaim
Ngongole Ya Lime - bungwe lazachuma lomwe momwe ngongole zimathandizira. Izi zimakuthandizani kuti muthe kubwereka ndalama mwachangu, popanda macheke otopetsa. Nthawi zambiri, kuyambira polemba fomu yofunsira kulandira ndalama, zimatenga osapitilira kotala la ola.
Ndikokwanira kupanga Malo Amunthu, sankhani kuchuluka kwa ngongole ndi kukhwima. Makinawa adzadziyimira pawokha ndalama zomwe wobwereketsa azikhalira malinga ndi zomwe kasitomala adachita. Mutha kulandira ndalama posamutsira ku khadi yakubanki kapena akaunti, komanso chikwama mumayendedwe a Yandex kapena Qiwi.
Magawo akulu andalama ndi awa:
- mlingo - kuchokera 2,1% tsiku lililonse;
- Nthawi yobweza ngongole - basi 30 masiku;
- kuchuluka kwa ngongole – 20 400 Ma ruble.
Kuphatikiza apo, makasitomala wamba omwe samalola kuchedwa amatha kulowa kampaniyo Mkhalidwe wa VIP... Poterepa, amalandila ma bonasi owonjezera. Chimodzi mwazomwe zili ndikusowa chidwi nthawi 5 masiku kuchokera pomwe analandila ndalama.
3) NdalamaMan
NdalamaMan Ndiye MFI woyamba ku Russia kuyamba kugwira ntchito kwathunthu pa intaneti. Ngakhale kuti makampani ambiri adakhalapo kuyambira pomwe adayamba, MoneyMan idakali yotchuka mpaka pano.
Mutha kudzuka apa 70 000 ma ruble pamlingo kuchokera 0,7% tsiku lililonse... Koma mukangolumikizana koyamba, adzapereka ngongole ya ndalama zosapitirira 10 000 Ma ruble.
Kutengera ndi ntchito ya kasitomala, atha kugwiritsa ntchito imodzi ya 5 msonkho... Udindo wa wobwereka ukukulira pang'onopang'ono. Nthawi yomweyo, ↑ ngongole ikukula ndipo chiwongola dzanja ases chimachepa.
4) Vivus
Vivus Amapereka mwayi wopeza ngongole kubanki yakubanki, akaunti kapena chikwama chamagetsi. Apa mutha kupeza kuchokera 500 kale 15 000 Ma ruble.
Wobwereka atha kukhala nzika yazaka zoyambira 18 kale 70 zaka. Mlingowo wakhazikitsidwa pamlingo kuchokera1,2% tsiku lililonse... Komabe, zinthu zabwino kwambiri zimaperekedwa kwa makasitomala wamba.
Vivus sizimapangitsa kuti makasitomala amtsogolo azigwira ntchito. Chikalata chimodzi ndikokwanira kulembetsa - mapasipoti a nzika zaku Russia, ndi foni yam'manja.
Mapulogalamu amawerengedwa usana ndi usiku, kuti mutha kubwereka ndalama nthawi iliyonse. Ngati pofika tsiku lobweza ngongole kasitomala pazifukwa zilizonse alibe ndalama zokwanira, wobwereketsayo, atapempha wobwerekayo, atha kupititsa nthawi yobwezera.
5) Kredito24
Kampani Ndalama24 imapereka ngongole mpaka 30 masiku. Zikhala zotheka kupeza basi 30 000 Ma ruble... Komabe, makasitomala atsopano, akaonana koyamba ndi kampaniyo, amatha kudalira pazambiri 9 000 Ma ruble... Pambuyo pake, ngati ngongole imalipiridwa munthawi yake, malowo adzawonjezeredwa.
Makasitomala amapatsidwa mwayi wobweza ngongole pasadakhale ndi kuwerengetsa chiwongola dzanja chochuluka. Ngati ndizosatheka kukwaniritsa zofunikira zomwe zikuganiziridwa munthawi yake, mutha kuwonjezera nthawi ya mgwirizano.
Kufunsira ngongole, ndikwanira kuti mudzaze mafunso patsamba la MFO. Lingaliro pa pempholo limapangidwa mkati mwa kotala la ola.
Mukadzaza funsoli, muyenera kulemba izi:
- Imelo adilesi;
- Nambala yafoni;
- Kujambula pasipoti;
- Zambiri zaku banki.
Ndikoyenera kulingalira kuti khadi yakubanki iyenera kuperekedwa mogwirizana ndi dongosolo lolipira Visa kapena MasterCard... Malipiro, komanso makhadi ochezera omwe mungapeze ma microloans siabwino pano.
Pakuwunika bwino ndikuyerekeza kwa omwe afotokozedwa a MFO, ndalama zazikulu za ngongole zimaperekedwa patebulo.
Tebulo "Mabungwe azachuma omwe ali ndi ngongole zabwino kwambiri":
| Wokongoza | Kuchuluka kwa ngongole | Voterani | Ngongole yayitali | Zithunzi za pulogalamuyi |
| Zimer | 30,000 ma ruble | Kuyambira 2.1% patsiku | Kutalika masiku 30 | Kuvomerezeka kwa Robot |
| Lime-Zaim | Ma ruble zikwi 20 | kuchokera 2.1% tsiku lililonse | Mpaka masiku 30 | Kudziwitsa kuchuluka kwa ngongole kumachitika zokha |
| NdalamaMan | 70 zikwi makumi khumi za ruble | 0.7-1.85% tsiku lililonse | Mpaka masabata 18 | Kukula msinkhu kuposa ma MFIs ena |
| Vivus | Ma ruble zikwi 15 | Kuyambira 1.2% patsiku | Mpaka masiku 30 | Obwereketsa pafupipafupi amatha kukwezedwa pantchito zosiyanasiyana komanso zinthu zina zabwino |
| Chidwi | 30,000 ma ruble | Kuchokera ku 1.9% tsiku lililonse | Kutalika - masiku 30 | Ngongole yoyamba siyoposa ma ruble 9,000 |
Funso 4. Ndikufuna kutenga ngongole yandalama kwa zaka 5-7 kapena kupitilira apo. Kodi ndizotheka kupeza ndalama kwakanthawi kotere?
Ngati wobwereka akufuna kupeza ngongole yanthawi yayitali, adzayenera kudziwa kuti zofunikira zidzakhala zovuta kwambiri. Malongosoledwe ake ndiosavuta - kutalikirana - nthawi yamgwirizanowu, kumachepetsa chiopsezo cha wobwereketsa atapereka ngongole.
Komabe, ndizotheka kuwonjezera mwayi wosankha zabwino - ndikokwanira kupereka chitetezo mwa mawonekedwe a chikole kapena chikole.
Mwambiri, zofunikira kwa obwereketsa ndizofanana:
- Nzika zaku Russia;
- chiphaso chovomerezeka cha Russia;
- mbiri yabwino ya ngongole iyenera kupangidwa;
- kupezeka kwa kulembetsa kwamuyaya pamalo olembetsa ngongole;
- ngati mukufuna kusaina contract yanthawi yayitali, wobwereketsa amafuna kuti wobwereketsa atsimikizire ndalama, muyenera kupereka satifiketi ya malipiro, omwe ndalama zake zimakhala zokwanira kubweza ngongoleyo.
Mndandandawu suli wokwanira. Wobwereka ayenera kusonkhanitsa phukusi lathunthu momwe angathere kuti athe kuwonjezera mwayi wofunsira.
Ku banki, mutha kupeza ndalama kwa nthawi yayitali, popereka chikole, popanda icho. Choyamba, ndichachikhalidwe ichi chomwe muyenera kuyamba posankha banki.
Tebulo "Mabungwe angongole ndi malingaliro awo pobwereketsa kwakanthawi pomwe kulibe chikole":
| Banki | Ngongole |
| VTB 24 | Kwa nthawi yayitali 5 zaka, amalemba mapangano ndi okhawo omwe amalandila malipiro, bola ngati atagwira ntchito ndi mwayi wapadera Kubwereketsa malire ndi 3 miliyoni miliyoni Kubetcha kumayambira 17,5% pachaka Kukakamizidwa kulipira ngongole ya inshuwaransi |
| UBRD | Kuchuluka kochuluka - 1 miliyoni miliyoni Zaka zochepa 21 za chaka Muyenera kutsimikizira ndalama zanu Kubetcha kumayambira 21% pachaka ndipo amatha kufikira 37% |
| Promsvyazbank | Yogwira 3 mapulogalamu - kwa omwe amapereka malipiro, ogwira ntchito zaboma, komanso ndalama zapadera zaubwenzi Ndalamazo zachokera 1 kale 1,5 miliyoni miliyoni Voterani - kuchokera 15,9% pachaka |
Zinthu zimasiyana kwambiri mukamabwereka ngongole yanyumba. Zoyenera pamapulogalamuwa afotokozedwa pansipa.
Tebulo "Mabanki ndi momwe zithandizira kubwereketsa kwanthawi yayitali pamaso pa chikole":
| Banki | Ngongole |
| Sberbank | Zambiri osati zochulukirapo 10 miliyoni miliyoni Kubetcherana kuchokera 15% pachaka Wobwereka osachepera 21 za chaka Chitetezo chimatha kukhala chikole kapena chikole |
| AK Bars Bank | Chiwerengerocho chimawerengedwa potengera momwe wobwereketsa amatengera Nthawi - kuchokera 7 kale 10 zaka Kubetcherana kuchokera 17,5 kale 20,5% pachaka |
| Rosselkhozbank | Mpaka 10 zaka Kubetcherana kuchokera 19% pachaka Ngongole zimakwana 10 miliyoni miliyoni |
Funso 5. Ndi mabanki ati omwe amapereka ngongole zandalama kuyambira ali ndi zaka 18?
Masiku ano, achinyamata ambiri (18-19-20-21 azaka) ayamba kugwira ntchito limodzi ndikupeza maphunziro apamwamba. Komabe, samakhala ndi ndalama zokwanira zokhalira ndi moyo wabwino.
Zikatere, pali chizolowezi choti mabanki akulu azithandizira achinyamata. Pachifukwa ichi, zaka zochepa za wobwereka zatsitsidwa.
Pansipa paliudindo wa mabanki abwino omwe amapereka ngongole kwa achinyamata:
- Banki ya ngongole ku Moscow nkhani kale 3 miliyoni miliyoni ndi kukhwima kenanso 15 zaka. Kugwiritsa ntchito kumatha kutumizidwa kudzera patsamba la banki, ma guarantors komanso umboni wa ndalama sikofunikira. Kubetcha kumayambira 15% pachaka;
- Rosselkhozbank akufuna kale 1 miliyoni miliyoni... Komabe, mudzafunika kuti mupereke satifiketi ya ndalama. Kubetcha kumayambira 18% pachaka, mawuwa samapitilira 60 miyezi. Kuti mutenge ngongole, muyenera kulumikizana ndi ofesi ya banki, ndizosatheka kuyika pa intaneti;
- AK Mabala akufuna kuti atenge ngongole ya 1 miliyoni miliyoni ndi kubwezeredwa mkati 60 miyezi osakopa ma guarantors. Muthanso kupeza kale 3 miliyoni miliyoni ndi chitsimikizo cha makolo. Pazochitika zonsezi, ndondomeko ya ndalama idzafunika;
- MTS-Bank nkhani kale 1 miliyoni miliyoni Kutalika kwa 60 miyezi. Ndalama zimatsimikizika mosalephera. Palibe ma guarantors ofunikira, mitengo imayamba pa 17% pachaka. Chisankho choyambirira chitha kupezeka pa intaneti;
- Sberbank amapereka kale 3 miliyoni miliyoni Kutalika kwa 5 zaka. Nzika kuyambira zaka 18 mpaka 20 zikuyenera kukhala ndi makolo ngati othandizira. Kubetcha kumayambira 19% pachaka;
- Khanty-Mansiysk Bank osakhudzana ndi ma guarantors, amatenga ngongole kuchuluka kwake kale 750 000 Ma ruble... Kukhwima sikudutsa 7 zaka. Kubetcha kumayambira 17%... Muyenera kutsimikizira ndalama zomwe mwalandira.
Chiwerengerocho chimafotokozera za kubwereketsa kwa ogula kokha.
Nthawi yomweyo, achinyamata atha kulandira kiredi... Zachidziwikire, kuchuluka kudzakhala kotsika kwambiri, komanso ubwino zambiri. Masiku ano, mabanki ambiri amapereka mwayi wabwino pamakadi a kirediti, zomwe zimakupatsani mwayi wobweza ngongole popanda chiwongola dzanja.
Kufunika kwakukulu kwa zinthu zogulitsa ngongole kwadzetsa chitukuko chachitukuko m'derali. Lero kwakhala kosavuta kupeza ngongole ponse ponse ndalama komanso mwa njira yopanda ndalama kuposa momwe zikuwonekera.
Pali zotsatsa zosiyanasiyana pamsika. Chifukwa chake, aliyense azitha kupeza ngongole malinga ndi zomwe amakonda. Komabe, mosasamala kanthu za njira yobwereketsa yomwe yasankhidwa, ndikofunikira kutsatira mosamalitsa zomwe zakhazikitsidwa ndi mgwirizano kuti mupewe ndalama zosafunikira.
Pomaliza, tikulimbikitsa kuwonera kanema wonena za ngongole zandalama:
Ndi kanema wamomwe mungatengere ngongole (yachangu) mwachangu, pa khadi kapena chikwama chamagetsi:
Ndizo zonse kwa ife.
Siyani ndemanga zanu pamutu wofalitsa pansipa, mugawane nkhaniyi ndi anzanu.Mpaka nthawi yotsatira pamasamba a magazini yathu yapaintaneti "Malingaliro a Moyo"!