Ngongole yochokera kwa munthu wachinsinsi kuti asalandire - chitsogozo cha momwe mungatengere ngongole yaboma popanda kulipiratu ndi patsogolo + TOP-5 njira zopezera ngongole kwa wogulitsa payekha

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Masana abwino, owerenga okondedwa a Magazini azachuma a Ideas for Life! Lero tikukuuzani momwe mungatengere ngongole kuchokera kwa munthu wachinsinsi kuti musalandire komanso komwe mungapeze ngongole yangayokha popanda kulipiratu pasanathe mphindi 5-15.

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

Kufunika kwa ndalama kumatha kuchitika mosayembekezereka komanso mwachangu, chifukwa chake ndikofunikira kukhala ndi chidziwitso chathunthu pamutuwu kuti mudziteteze ku mavuto.

Kuchokera m'nkhaniyi muphunzira:

Kodi ngongole yangayekha ndi momwe mungayipezere kuti musalandire - mawonekedwe ndi mawonekedwe ena;
Momwe mungapezere wogulitsa ndalama wodalirika pa ngongole;
Momwe mungapangire risiti yobwereketsa ngongole kwa munthu wachinsinsi.

Tionanso zovuta za ngongole yachinsinsi ndikuyesa kuyankha mafunso otchuka pamutuwu.

Nkhaniyi ikhale yosangalatsa kwa iwo omwe akufuna thandizo lazachuma mwachangu komanso kwa anthu omwe amapereka ngongole zachinsinsi kuti asalandire. Ndiye chifukwa chake kuli koyenera kuliphunzira pakadali 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	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.

Werengani za komwe mungapeze ngongole yangayekha popanda kupita patsogolo ndi zolipiriratu, ndizosavuta kupeza ndalama kuchokera kwa munthu wachinsinsi motsutsana ndi chiphaso, komanso momwe mungakonzekere bwino - werengani m'magazini ino

1. Kodi ngongole yangayekha ikalandiridwa bwanji - mwachidule pamalingaliro 📋

Msika wazachuma umapereka ngongole zambirimbiri, koma kuzipeza kumafuna nthawi ndikukwaniritsa zochitika zina. Tidalemba mwatsatanetsatane za ngongole za ogula m'mbuyomu.

Ngati ndizosatheka kukwaniritsa zofunikira kubanki, amapita kwa omwe amagulitsa ndalama zawo. Mapulogalamu awo operekera ndi kubweza ngongole amasiyana ndi omwe amapereka ngongole. Chikhalidwe ndi mawonekedwe a ngongole ndizofanana.

Ngongole yochokera kwa munthu wachinsinsi polandila ikuyimira kuperekedwa kwa ndalama ndi wobwereketsa kwa wobwereketsayo ndi zikhalidwe zina. Makhalidwe awo ali ndalama, nthawi, ukulu ndipochiwongola dzanja cha ngongole.

Wogulitsa ndalama payekha ndi amene amatenga nawo mbali pamsika wazachuma womwe amapereka ngongole ndipo amalandira chiwongola dzanja kuchokera pazochitikazo. Otsatsawo ndi anthu komanso mabungwe azachuma (MFIs).

Chiphaso ndi chikalata chotsimikizira kuti mungatenge ngongole pazochitika zinazake.

Pangano la ngongole - pangano la ngongole. Imafotokoza za kutulutsa ndi kubweza, ufulu ndi udindo wa zipani.

Ngongole zotere ndizosangalatsa kwa anthu opanda ntchito kapena makasitomala omwe m'mbuyomu sanakwaniritse ngongole zawo panthawi ndipo adakanidwa ndi omwe amapereka ngongole. Kukulitsa ndalama koteroko ndikokwera mtengo kuposa zinthu zakubanki, koma zimaperekedwa ndi liwiro kwambiri ndipo phukusi locheperako.

Mwachitsanzo:
Ndalama zandithera, ndipo kwatsala milungu iwiri kuti ndilipire. Muyenera kutenga 10 (khumi) zikwi Ma ruble kuyatsa Masiku 14... Palibe wobwereka, mabanki samapereka ndalama zotere, ndipo mumagwira ntchito popanda kulembetsa boma, ndiye kuti simungabweretse satifiketi.
Poterepa, mutha kupita patsamba lomwe limapereka ngongole motsutsana ndi chiphaso, sankhani wogulitsa kuti mupeze Ma ruble zikwi 10... pa kadi.

Tidakambirana zakomwe tingapezeko ngongole yolipira ndi mbiri yoyipa ya ngongole m'nkhani yapitayo.

2. Ngongole yochokera kwa munthu (payekha) - zabwino ndi zoyipa 📑

Wogulitsa payekha sichitsata Kusintha ndipo kudalilika kasitomala, chifukwa chake ntchitoyi ili ndi zambiri zoopsa... Izi zikufotokozera mtengo wothandizira, ndiokwera mtengo kangapo kuposa ngongole kubanki.

Obwereketsa ali ndi njira zovuta zobwezera ngongole kwa obwereketsa mochedwa. Pakabweza ngongole mosayembekezereka, omwe adabweza ngongole amakhala ndi ufulu wofunsira mabungwe osonkhetsa, oyang'anira milandu, ndi zina zambiri.

Ubwino wa (+) ngongole zochokera kwa omwe amagulitsa anzawo

Kutchuka kwa ntchitoyi kumatsimikiziridwa ndi ake ubwino:

Kuchepetsa ndi kuthamanga kwambiri kupeza... Kutolera zikalata kudzatenga kuyambira tsiku limodzi, pomwe bungwe la ngongole liziwona momwe ntchitoyo ikuyendera. Ndi ngongole yayikulu, zimatenga zambiri Masiku 2-3... Mukalandira ngongole yayikulu, monga lamulo, chikole cha malo ndi nyumba chimafunika, chomwe chimakhazikitsidwa mwanjira yolembetsa, zimatengera mpaka masiku 30... Zikupezeka kuti, kuyambira pomwe munalandira fomu yopita ku ngongole kapena MFO, mpaka mutapereka ngongole (ngongole) kuchokera masiku 3 mpaka 30... Mabungwewa amatha kupereka ndalama zochepa mwachangu, koma nthawi zambiri pamakhala gawo locheperako (pafupifupi 10-20 zikwi za ruble).
Mlingo wotsika pang'ono wa mapulogalamu, imapangitsa kuti ntchitoyi ipezeke kwa ogula osiyanasiyana.
Kutulutsa kumachitika malinga ndi kuchuluka kwa zikalata... Zing'onozing'ono zimaperekedwa kokha ndi pasipoti.
Wobwereka atha kupereka malingaliro ake... Ngati banki ili ndi zofunika zina kwa wobwereka, ziyenera kukwaniritsidwa mosalephera; ndi omwe amagulitsa ndalama payokha, kasitomala ali ndi ufulu wopereka zomwe angagwirizane ndi amene adasungayo.
Kupeza ngongole yayikulu kutetezedwa... Ngongole zotsutsana ndi ngongole zimaperekedwa popanda kulembetsa ntchito, kuwunika ndi kupereka inshuwaransi, chifukwa chake kuchotsera kumathamanga kuposa komwe kubweza ngongole.

Ngati munthu ali ndi mbiri yoyipa yangongole, palibe mwayi wobweza ngongoleyo panthawi, atha kulumikizana ndi wobwereketsa payekha. Wobwereketsa ali ndi ufulu wosintha zomwe agwirizana, kuimitsa kubweza ngongoleyo.

Zoyipa za (-) ngongole yochokera kwa wochita bizinesi yabizinesi

Za zoipa Nthawi zantchitoyi zitha kusiyanitsidwa:

Chiwongola dzanja chachikulu... Kukula kwake kumatha kukhala kokwera nthawi masauzande kuposa kubanki; ngongole yayifupi imathandizira kuchepetsa kuchuluka kwa zolipira.
Chiwopsezo chobedwa... Pali kuthekera kokugwera m'manja mwa anthu ochita zachinyengo omwe amapeza ndalama kwa makasitomala osavuta.
Njira zovuta kulipira ngongole... Pali kuthekera kwenikweni kwa kutayika kwanyumba yanyumba popanda kuthekera kobwerera.

Mitundu ya ngongole zachinsinsi

3. Mitundu ya ngongole zachinsinsi - magulu atatu akulu 📄

Malinga ndi mawonekedwe awo, ngongole zachinsinsi ndi izi:

Mtundu 1. Osatetezeka (ngongole yopanda chitetezo)

Ngongole izi zimaperekedwa motsutsana ndi kulandila popanda chikole. Nthawi zambiri, kuchuluka kwake kumakhala kokwanira mpaka ma ruble zikwi 50.malire ochepa ndi osiyana (kuchokera ku ruble chikwi). Nthawi ya ngongole zotereyi mpaka milungu iwiri.

Kuti mupeze ngongole, pasipoti yokhayo ndiyofunika, kupezeka kwa kulembetsa kwamuyaya komwe mumakhala. Mbiri ya ngongole zomwe zidalipira kale komanso solvency ya kasitomala siziwunikidwa.

Mtundu 2. Wotetezedwa (wobwereketsa ngongole)

Ngongole imaperekedwa mu kuchuluka komwe kumatetezedwa ndi chikole. Ndalama zonse kuchokera Ma ruble 500,000 mpaka ma ruble zikwi 5,000., kwakanthawi kwakanthawi, amapangidwira chitetezo cha malo (nyumba, nyumba zazing'ono za chilimwe, malo, garaja), galimoto kapena katundu wina wodula. Chiwongola dzanja cha ngongole zoterezi ndizochepera.

Werengani za ngongole zotetezedwa ndi galimoto ndi ngongole zotetezedwa ndi PTS m'mabuku osiyana.

Zofunika! Ngongole yothandizidwa sikutanthauza kuwunika kwa chuma ndi kulembetsa, moyo ndi inshuwaransi ya wobwereka. Otsatsa okha amawunika ngati ngongole ya wobwereka, ndikupanga kuchotsera kochititsa chidwi pamtengo wamsika.

Pangano la chikole limamalizidwa pakati pa wobwereka ndi wogulitsa. Ngati mfundo za mgwirizanowu sizikukwaniritsidwa munthawi yake, wobwereketsa akhoza kukhala wopanda chiwongola dzanja.

Zambiri pazomwe mungatenge ngongole yanyumba zafotokozedwa m'nkhani yapita.

Lembani 3. Ngongole yanyumba (ngongole yobwerekera pamgwirizano wobweza)

Poterepa, wobwereka amasamutsira umwini wa malowo kwa wobwereketsayo. Zimapita kwa wobwereketsa. Kubwerera ndizotheka kubweza katundu wongobweza pokhapokha ngongole yonse itakwana.

Kwa wobwereketsa, mtundu uwu wa ngongole ndiye waukulu kwambiri otetezeka, ndipo wobwereka atha kubweretsa zazikulu mavuto.

Pakulemba chikole kapena mgwirizano wanyumba, upangiri walamulo amafunikira kuti muchepetse mwayi wotaya katundu.

Njira zotsimikizika zopezera wobwereketsa payekha

4. Komwe mungapeze ngongole yangayekha - Njira 5-zopezera wogulitsa payekha private

Kupeza wogulitsa ndalama ndiye ntchito yayikulu yopezera ngongole. Intaneti imapereka mwayi wosankha anthu omwe akufuna kubwereketsa ngongole, koma palinso mwayi waukulu wokhala wopanda ndalama ndipo opanda katundupojambula ma risiti a omwe sanatsimikizidwe kuti ali ndi ngongole.

Chifukwa chake, tiyeni tiwone njira zotchuka kwambiri zopezera anthu ngongole.

Njira 1. Kudzera abwenzi kapena anthu odziwa zambiri

Poyamba, ndi bwino kulumikizana ndi anzanu omwe agwiritsa ntchito ntchitozi. Kapena kwa anthu omwe ali ndi chidziwitso chokhudza ngongole. Awa akhoza kukhala ogwiritsa ntchito maofesi pa intaneti ndi ndemanga zenizeni komanso zokambirana.

Poterepa, monga lamulo, amamvera komwe kuli wochita masheya, ngati msonkhano waumwini uli wofunikira kuti aganizire zonse zomwe zikuchitika.

Njira 2. Kudzera bolodi uthenga

Atolankhani (m'manyuzipepala, atolankhani kapena pa intaneti) nthawi zambiri amalengeza zakuperekedwa kwa ndalama. Njira yolandila ngongole kwa munthu wachinsinsi ndiyabwino kwambiri ngati ndalama zingafunike pazosowa zanu motsutsana ndi kulandila.

Njira 3. Kudzera pa WebMoney

Makina okhala pakompyuta a WebMoney amapereka chithandizo chobwereketsa kwa anthu. Pali mwayi wolandila ndalama pamalire ena.

Ngongole zimaperekedwa mdziko lonse, mosasamala komwe mumakhala. Apa mutha kupeza wobwereketsa akupereka ngongole zotetezedwa ndi bizinesi yapaintaneti, monga tsamba lanu.

Kuchokera pachikwama chapa WebMoney, ndalamazo zimasamutsidwa kukadi ya wobwereka.

Njira 4. Kudzera mwakhalapakati azachuma

Pakakhala kuti mulibe nthawi komanso chidziwitso chokwanira cha ngongole, njira yabwino ndikulumikizana ndi omwe amakhala nawo pakati. Adziwonetsetsa kuti zomwe zikuchitika ndizodalirika komanso zovomerezeka, kukuthandizani kusankha njira zovomerezeka kwambiri.

Ntchito za osinthira sikuti zimangokhala kufunafuna wogulitsa ndalama, komanso kukonzekera zikalata zonse, kuchititsa ntchitoyo. Koma ziyenera kukumbukiridwa kuti mtengo wautumiki ukuwonjezeka.

Njira 5. Kudzera kuyanjana kwa osunga ndalama

Mabungwe azachuma amapezeka mumzinda uliwonse waukulu. Ndi bungwe lomwe limabweretsa omwe akutenga nawo mbali pazogulitsa.

Cholinga cha bungwe lazachuma ndikuyika ndalama pazinthu zodalirika.

Palinso nkhani yapadera patsamba lathu, yomwe imafotokoza mwatsatanetsatane za komwe mungapeze ndalama ngati mukufuna mwachangu - tikukulimbikitsani kuti mudzidziwe bwino.

Ndondomeko ya tsatane-tsatane yopezera ngongole popanda zolipiritsa kuchokera kwa munthu wachinsinsi kuti asalandire

5. Momwe mungalandire ngongole kwa munthu wachinsinsi kuti musalandire - njira zosavuta zisanu ndi ziwiri simple

Kutenga ngongole polandila sikovuta kwenikweni. Kuti muchite izi, muyenera kudutsa magawo ena.

Gawo 1. Kusankha wogulitsa ndalama

Otsatsa akhoza kukhala mabungwe azachuma ndipo aliyense payekha... Ma MFIs amapereka zochepa kwakanthawi kochepa. Obwereketsa anzawo samangokhala ndi malire komanso kuchuluka kwake.

Koma mbali inayi, mabungwe ali mabungwe azovomerezeka, chitani malinga ndi lamulo, sipadzakhala zachinyengo ndipo achinyengozomwezo sizinganenedwe kwa omwe amagulitsa ndalama payokha.

Zofunika! Kusankha ndikuzindikira wochita masheya ndiye gawo lalikulu pakupezera ngongole kwa munthu wamba.

Musanasankhe wobwereketsa, muyenera kudziwa kuti akhala akugwira ntchito yayitali bwanji pamsika uwu, mbiri yake ndi yotani, werengani ndemanga za iye pa intaneti m'mabwalo.

Masamba ena amapereka chithandizo chakutalikirako ndalama (mwachitsanzo, ngongole zapaintaneti - tidalemba momwe tingagwiritsire ntchito tizilombo tating'onoting'ono pa intaneti pa khadi munkhani ina). Izi ndizotheka pokhapokha ngati pangakhale ngongole zochepa, zofunikira kuti mupeze zochuluka ziyenera kukambilana pamasom'pamaso.

Gawo 2. Kusankhidwa kwa ngongole zabwino kwambiri

Ngongole yachinsinsi imasiyanasiyana ndi ngongole kubanki yomwe wobwereka akhoza kupereka ngongole zanu kuti zivomerezedwe... Mfundo zazikuluzikulu ndizo kuchuluka kwa ndalama, chiwongola dzanja cha ngongole, nthawi, kupezeka kwa chikole.

Chiwongoladzanja chimalipidwa tsiku lililonse, mtengo wake umadalira kusankha kwa amene adzagwiritse ntchito ndalama komanso pangongole yomwe munthu angakhale nayo. Ngongole zotsutsana ndi ngongole kapena ngongole yanyumba zimaperekedwa ndi chiwongola dzanja chochepa komanso kwakanthawi.

Kuchuluka kwa kubweza ngongole kumakambirana mwachidwi mu risiti yomwe yaperekedwa, m'mawu ndi manenedwe. (Ma ruble 50,000 (zikwi makumi asanu)).

Gawo 3. Kusankha njira zobwezera ngongole

Ngongole imatha kubwezedwa nthawi imodzi. Mwa mgwirizano wa maphwando, kuchuluka kwa ngongole kumatha kugawidwa m'magulu angapo mogwirizana ndi maphwando.

Zikafika pazambiri mpaka ma ruble zikwi 50., kawirikawiri kubwezera kamodzi kumaperekedwa, koma ngongole zazikulu zimagawidwa m'magawo kuti zitheke. Kuphatikiza apo, mabungwe obwereketsa ngongole amapereka nthawi yobweza nthawi yomweyo kuyambira mwezi wamawa, magawo ofanana.

Ndi osunga ndalama payekha, ndizotheka kuvomereza pakabweza ngongole, malinga ndi momwe munthu angakhalire. Pangano la ngongole liyenera kukhala ndi ndandanda ya zolipira, ndi masiku ndi ndalama zomwe ziyenera kulipidwa.

Gawo 4. Kuwerenga mgwirizano wapangongole

Kusainirana kwa mgwirizano kumatanthauza kuti wobwerekayo ali ndi udindo wobwezera ngongoleyo. Chilichonse chimalembetsedwa zofunikira, ufulu ndi udindo wa zipani... Chifukwa chake, muyenera kuphunzira mosamala zikhalidwe zake kuti mupewe zovuta pakuwerengera.

Zofunika! Mukamadziwa mgwirizano wamalipiro, chidwi chimaperekedwa kwa zilango ngati kuchedwa kulipilidwa, zochitika zosayembekezereka.

Pali chizolowezi cholemba nthawi "zosasangalatsa, zoterera" za mgwirizano pogwiritsa ntchito zolemba zazing'ono. Magawowa amafunikira chisamaliro chapadera kuti muwone kuti mukumvetsetsa mfundo zonse za ngongole.

Gawo 5. Kujambula risiti

Chiphaso chobwereketsa ndalama ndi chitsimikiziro chakuti ntchitoyo yatha ndikuti zomwe wobwereka kubweza kwa wobwereketsayo kuti abwezere ndalamazo zachitika pamlingo winawake ndipo pa nthawi inayake.

Risiti itha kutsimikiziridwa kuofesi yolemba, ndiye kuti chikhale chikalata chachikulu kubwalo lamilandu ngati kubweza ngongoleyo sikunabwezeredwe. Ndalama za notary nthawi zambiri zimanyamulidwa ndi wobwereka.

Kusayina kwa risiti ndi mboni ziwiri kumatsimikiziranso kuti izi ndizovomerezeka.

Gawo 6. Kulandila ndalama

Ndalama zimaperekedwa ndi ndalama kapena zimasamutsidwa kupita ku khadi (mogwirizana ndi zipani). Mtundu wamtunduwu umakambirana pasadakhale, umayikidwa mgwirizanowu, pomwe zambiri za kusamutsaku zikuwonetsedwa.

Njira yotetezeka ndikutumiza ndalama kopanda ndalama pa kadi kapena chikwama chapaintaneti.

Posachedwa, zolipira pogwiritsa ntchito zikwama zamagetsi zikutchuka: Yandex.Money, WebMoney, Chimanga... Amadziwika ndi kudalirika, kuthamanga, kugwiritsa ntchito mosavuta, kuthekera kosunthira kwina kapena kutaya ndalama.

Gawo 7. Kubweza ngongole

Ndikofunika kuwongolera mosamalitsa pakubweza ngongole zomwe anthu amapereka. Kusamutsa konse ndalama kuyenera kulembedwa.

Monga chitsimikiziro cha kusamutsa ndalama, pakhoza kukhala: ma risiti osamutsa ndalama, makope amalipiro, ma ATM, ma risiti a ena, ndi zina zambiri.

Pambuyo pobweza ngongole yomaliza, zofunikakuti wobwereketsa apereke risiti yothana ndi ngongole kwa wobwereketsayo. Ngakhale mutakhazikika kwathunthu, sungani chiphaso kuti wobwereketsayo alibe chilichonse chobwereketsa kwa wobwereketsayo.

6. Zofunikira pa IOU - zomwe muyenera kumvera 📃

Chowonadi chopeza ndalama ndi risiti yolembedwa ndi wobwereka yekha. Ndi chikalata chovomerezeka chomwe chimatsimikizira zomwe zachitika pakati pa wobwereka ndipo wobwereketsa.

Zitsanzo zakulandila ndalama pangano la ngongole pakati pa anthu

Chikalatacho chiyenera kukhala ndi izi:

Dzina la Chikalata (Mwachitsanzo, Chiphaso, Kulandila ndalama, ndi zina zambiri);
Zambiri zamaphwando pazogulitsa;
Migwirizano yazogulitsa (Kuchuluka kwa zoperekera, kuchuluka kwa kubweza, nthawi, kubweza, ndi zina);
Malo ndi tsiku lokonzekera chikalatacho;
Kusayina.

Pakatikati, dzina la chikalatacho lidalembedwa, pansipa kumanzere kuli malo ogulitsa, kumanja ndi tsiku logulitsa.

Zofunika! Risitiyo iyenera kukhala ndi tsatanetsatane wa maphwando (ngati mbali imodzi ili yovomerezeka, ndiye dzina lake lonse, ndi mphamvu ya munthu amene akuvomereza risiti, tsatanetsatane wa bungweli), malo olembetsera, malo okhala, tsiku lobadwa.

Otsatirawa ndikulongosola kwa mgwirizano wa mgwirizano: kuchuluka kwa ngongole, ndalama zolipira, chiwongola dzanja pa ngongole, nthawi yobwereketsa, mawu kubweza, kupezeka kapena kupezeka kwa chikole... Kuchuluka kwa chiwongola dzanja kumawonetsedwa ngati ngongole siyobwezedwa munthawi yake. Ngati katundu wasamutsidwa kubweza ngongole, mawonekedwe ake achibadwa (mtundu, kukula, kupezeka / kupezeka kwa zowonongeka, ndi zina zambiri) amafotokozedwa.

Pansi pa risiti pali siginecha ya wobwereketsa.

Chidziwitso cha Notarial ayi ndichofunikira, ndizotheka kutsimikizira kulandila kwa mboni ziwiri zomwe zimapereka chidziwitso chawo cha pasipoti ndikuyika siginecha yawo.

Fomu ya risiti siyikudziwika mwalamulo, koma malinga ndi zofunikira zake, chitsanzo cha risiti yosavuta ndi mboni ndi iyi:

Ndandanda yopezera ndalama yobwereketsa

Mzinda wa Moscow

Epulo 01, 2017

Ine, Ivanov Ivan Stepanovich, pasipoti: mndandanda wa 36 00 N123654, woperekedwa ndi OUFMS mumzinda wa Moscow pa Januware 01, 2000, wokhala ku adilesi: Moscow st. Lenin 157 lalikulu 11, lochokera kwa Petrov Petr Petrovich

pasipoti: mndandanda wa 36 00 N 789654, woperekedwa ndi OUFMS waku Moscow pa Julayi 23, 2005, akukhala ku adilesiyi: Plekhanov, 45, kV. 47, ndalama mu kuchuluka kwa ma ruble 50,000 (zikwi makumi asanu) ndipo ndikulonjeza kuti ndibweza ngongole ya Ngongole kwa Wobwereketsa pofika Epulo 10, 2017.

Epulo 01, 2017 __________________ / Ivanov Ivan Ivanovich

(siginecha ya Wobwereka)

Risitiyo idapangidwa pamaso pa mboni:

1. Sidorov Mikhail Ivanovich, pasipoti: mndandanda wa 36 00N 654123, woperekedwa ndi OUFMS Moscow pa Marichi 02, 2007, wokhala ku adilesiyi: MOSCOW UL. Malo otchedwa Proletarskaya, 105 sq. 123.

Epulo 01, 2017 ___________________ / Mikhail Ivanovich Sidorov

(umboni siginecha)

2. Kuznetsov Sergey Fedorovich, pasipoti: mndandanda wa 36 00 N 159357, woperekedwa ndi OUFMS Moscow pa Ogasiti 8, 1999, wokhala ku adilesi: Krasnaya d.36, kV. 59

Epulo 01, 2017 ___________________ / Sergey Fedorovich Kuznetsov

(umboni siginecha)

Malinga ndi malamulo apano, chitsimikizo cholemba pamtundu wa ngongole chimaloledwa, koma ngati pangafunike mayeso, chiphaso cholembedwera pamanja chitha kutenga nawo gawo pamikangano pakati pa wobwereka ndi wobwereketsayo.

Zinthu zofunika kujambula risiti ndikulongosola kwathunthu ndi kolondola kwa malingaliro onse amgwirizano womwe ulimo. Pasapezeke malo mu chikalatacho pomwe china chake chitha kuwonjezeredwa kapena kukonza. Zidule za mawu sizimatchulidwa mu chikalatacho.

Risitiyo ikuwonetsa kulandila ndalama ndipo ziribe kanthu momwe akutsimikizidwira notarykapena mboni... Zosankha zonsezi zili ndi mphamvu zofananira ndipo zitha kukhala umboni kukhothi.

Kuzindikiritsa chikalatacho, kawirikawiri, kumawonjezera "udindo" wa zomwe zikuchitika ndipo kukhothi kumadzetsa chidaliro. Ngati ndi kotheka, sipadzakhala kufunika kolemba pamanja. Kwa obwereketsa, notarization imakulitsa mtengo wathunthu wa ngongole kudzera m'makalata a notary.

Kuphatikizidwa kwa mboni popanga risiti sikufuna ndalama zina. Chofunikira chachikulu pakuwasankha ndi osachita chidwi ndi mgwirizano... Pakuimbidwa mlandu, iwo ndi mboni zazikuluzikulu za zomwe zachitika.

Malinga ndi malamulo aku Russia, zochitika pamtengo ma ruble opitilira 1000, ayenera kumaliziridwa polemba mosalephera, apo ayi amaonedwa kuti ndi achabechabe. Kusowa kwa mboni ndipo notarial certification zingayambitse zotsatira zosasangalatsa kwambiri.

7. Zoyenera kuchita pangongole popanda kulipiratu ku Moscow ndi mizinda ina ya Russian Federation the

Ku Moscow, monga m'mizinda ina ikuluikulu, pali mitundu yayikulu yama MFIs ndi mabizinesi azinsinsi, komwe mungapite kukapeza ndalama zowonjezera.

Zinthu zazikulu ndi izi:

Nzika zaku Russia komanso kulembetsa (Moscow).
Ufulu ndi udindo wa maphwando amafotokozedwa mgwirizanowu.
Kutalika kwa ngongole kumatanthauza kuchuluka kwa chiwongola dzanja pa iyo.
Nthawi zambiri ngongole zimaperekedwa mpaka masabata 6 chiwongola dzanja kuchokera 30% pamwezi... Kuwerengera kwa chiwongola dzanja sikuchitika pachaka, koma muyeso ya tsiku ndi tsiku, chiwongola dzanja chimaperekedwa osati pa ngongole yotsala, koma pamtengo womwe watengedwa koyambirira.

Mutha kulandira ngongole kumakampani azachuma, ndiye atsogoleri pakubweza kwazokha.

Mu tebulo ili m'munsiyi mutha kudziwana bwino ndi makampani ndi momwe abwereketsa ndalama ku Moscow komanso m'mizinda ina ikuluikulu ya Russian Federation:

№	Dzina	Mtengo (ma ruble zikwi)	Nthawi (masiku)	% patsiku	Zambiri zamalumikizidwe
1	Fastmoney	3-30	7-15	Kuchokera 1.8	8 (800) 333-22-00
2	WebMoney	Mpaka 30	Mpaka 30	Kuchokera 2	8 (495) 727-43-33
3	Ndalama zachangu	1-25	7-30	Kuchokera 2	8 (800) 700-43-44
4	Ndalama za Rusmikrofinance	1-30	5-15	1,5-2	8 (800) 500-64-37
5	Mani Fani	5-100	1-30	0,5-1	8 (800) 775-21-34
6	E Kabichi	Mpaka 30	7-21	1,7-2,1	8 (499) 703-01-59

Monga mukuwonera patebulopo, ndalama zotchuka kwambiri ndi kuchokera ku 25-30 zikwi makumi khumi, mpaka mwezi. Avereji ya chiwongola dzanja 2% patsiku.

Makampani amagwira ntchito usana ndi usiku ndipo kuchuluka kwa omwe amakana kutsatira ntchito ndizochepa.

Ngati ndi kotheka, mutha kutenga ngongole kwa omwe amagulitsa ndalama payokha.

8. Ndani angapereke chithandizo chenicheni pakungopeza ngongole yachinsinsi popanda zolipiritsa kale?

Ngati kufunika kwa ngongole yabizinesi kwachitika koyamba, zimakhala zovuta kuti mumvetsetse zomwe zingachitike, chifukwa ngongoleyo imafunika, mwachizolowezi, mwachangu kwambiri ndipo palibe nthawi yophunzirira zonse zomwe zaperekedwa. Poterepa, ndibwino kufunafuna thandizo kuchokera kwa akatswiri.

Chithandizo chopeza ngongole yachinsinsi chimaperekedwa mabungwe apadera ndipo Makampani osiyanasiyana ogulitsa ma broker (broker broker).

Wogulitsa ngongole - awa ndi mabungwe ovomerezeka mwalamulo komanso anthu omwe akugwira ntchito pamsika wazachuma, omwe amakhala ngati mkhalapakati pazogulitsa ndipo ali ndi ziphaso zoyenerera zoperekera ngongole.

Ntchito zamakampani ogulitsa ngongole ndi awa:

Kusankha kwa Investor;
kusankha momwe angakhalire ngongole, malinga ndi zomwe kasitomala wagwirizana;
Mapeto azogulitsa m'malo mwa kasitomala.

Zogulitsa zomwe zachitika mothandizidwa ndi makampani azamalonda ali nazo kudalirika kwakukulu, koma mtengo wantchitoyo ndi gawo lina lazogulitsa, zomwe zimabweretsa kuwonjezeka kowonjezera pamtengo wonse wobwereketsa.

Woberekera akutsimikizira zotsatira zabwino za ntchitoyi, ntchito yake ndikupereka upangiri ndipo mkhalapakati ntchito zolembetsa ndi kumaliza ntchito.

Mukalumikizana ndi kampani yobwereketsa ndalama, mgwirizano wamkhazikitsidwe umamalizidwa, womwe umatsimikizira zomwe mkhalapakati ayenera kuchita, kuchuluka kwa komitiyo pazogulitsa, malingaliro ndi udindo.

Tebulo likuwonetsa makampani otchuka kwambiri ogulitsa mabungwe ku Moscow:

№	Dzina	Kuchuluka kwa Commission (% yazogulitsa)	Zambiri zamalumikizidwe
1	Mbiri ya MBK	1-3	+7 (495) 99-888-96
2	Ndalama	Kuchokera 7	+7 (495) 220-23-40
3	Malo obwereketsa ndalama	Kuchokera 1.5 min. Ma ruble zikwi 10	+7 (495) 601-90-00
4	Ntchito Zothetsera Ngongole	payekhapayekha	+7 (499) 391-06-16

Avereji Commission yamakampani ogulitsa ngongole kuchokera 1 mpaka 5% kuchokera pamgwirizanowu... Mgwirizanowu utha kunena kuti "osabweza" za kubweza pasadakhale ngati akukana zomwe wogulitsa akuchita.

Pamsika wothandizira, mutha kupeza otsogolera otchedwa "wakuda» amalonda... Amathandizira kupeza ngongole pogwiritsa ntchito njira zosavomerezeka: zabodza, chinyengo.

Zofunika! Otsatsa "Wakuda" amatsimikizira kupereka ngongole, osaganizira za momwe wobwereketsayo abweza. Nthawi zambiri, oterewa amangogwira ntchito ndi zochuluka komanso chiwongola dzanja chachikulu.

Kugwiritsa ntchito ntchito ngati izi kumatha kukhala ndi zovuta kwa wobwereka. Pangano la ngongole ndi risiti zimasainidwa ndi iwo eni, koma wobwereka ndiye amachititsa kuti zidziwike.

Ngati ndi kotheka, wobwereketsayo ali ndi ufulu wokasumira wobwerekayo chifukwa chinyengo ndikuchotsa mgwirizano pobweza ngongole ndi kuwonongeka kwamakhalidwe.

Ndondomeko Zachinyengo

9. Njira zachinyengo za ngongole zachinsinsi 🔔

Kugulitsa ngongole kumakopa achinyengo ndi achinyengo omwe, ndi chidziwitso chawo, amatha kubera kasitomala ndalama.

Machenjerero a njira zodziwika bwino zachinyengo:

Pempho la broker la Commission yokhudzana ndi malonda pomwe silinamalizidwe.
Kugwiritsa ntchito zikalata.
Pemphani kusamutsa tsatanetsatane wa khadi yakubwereka.

Chiwembu 1. Kulipira pasadakhale pamalondapo

Anthu ochita zachinyengo nthawi zambiri amafotokoza zakufunika kwa kulipira pasadakhale pokhudzana ndi zolipira zolipira zilizonse (inshuwaransi, zolipiritsa, ntchito za notary). Tiyenera kukumbukira kuti mabungwe onse amalipidwa pazogulitsa.

Chitsanzo:
Munthu kudzera kutsatsa pa intaneti adapeza wochita ndalama yemwe, pamlingo winawake, adamulonjeza kuti amupatsa ma ruble 10 zikwi masiku asanu. M'mbuyomu, adapempha 500 pakani. za "kuwunika mbiri ya ngongole". Ndalamazo zitasamutsidwa, wogulitsa ndalama amasowa pozimitsa foni.

Ndikofunikira kumvetsetsa motsimikiza kuti ngati wobwereketsayo afunsira kuti adzalipire pasadakhale, ndiye Kubera 100%.

Chiwembu 2. Kugwiritsa ntchito zikalata

Okongoza ngongole osakhulupirika atha kupempha kuti asinthidwe ndi imelo mapepala a pasipoti ya wobwereka, satifiketi ya ndalama zake, kulingalira za kuthekera kopereka ngongole.

M'malo mwake, chidziwitsochi chimagwiritsidwa ntchito mu zolinga zachinyengo potenga ngongole m'dzina la kasitomala. Mwa makope a zikalata, ndizotheka kulemba siginecha ya wobwereka, ngati pali "munthu yemwe mwanu" m'bungwe la ngongole, sizikhala zovuta kupeza ngongole.

Muyenera kutsimikizira kuti ndinu osalakwa kudzera kukhothi, kuwononga ndalama pazoyimira milandu ndi maloya.

Chiwembu 3. Kusamutsa zambiri zamakhadi

Tiyenera kukumbukira kuti simuyenera kudziwa kusamutsa ndalama Ndondomeko ya CVC ndipo tsiku lotha ntchito.

Zofunika! Ngati wobwereketsa (wobwereketsa) atafunsa zambiri za khadi lanu la pulasitiki, mwachidziwikire, sipadzakhala ndalama zolipirira. Ichi ndi chinyengo. Mothandizidwa ndi izi, mutha kugula zinthu zosiyanasiyana pa intaneti kapena kudzaza maakaunti pogwiritsa ntchito ntchito iliyonse.

Posankha wobwereketsa, wina ayenera kukhala osamala kwambiri ndikusamala. Simungakhulupirire ogulitsa oyamba omwe mwakumana nawo, ngakhale atakhala okongola. Yesetsani kupeza za anthu omwe ali okonzeka kupereka zangongole pa intaneti.

Osapereka ndalama zakutsogolo, pangani ziwerengero zonse pamalonda. Werengani pangano la ngongole mosamala ndikulembera risitiyo mosamala komanso momveka bwino.

Ngati simungadziwe nokha zikalata zonse, ndibwino kuti mupemphe thandizo kwa katswiri.

10. Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬

Ndizotheka kubwereka ndalama motsutsana ndi chiphaso kuchokera kwa munthu wachinsinsi, muyenera kungowonetsa udindo komanso kusamala, musathamangire kusankha wogulitsa ndalama, kuwerengera ndalama zanu.

Masambawa amapereka zidziwitso zosiyanasiyana zamitundu ndi momwe ngongole zilili, pali malingaliro ndi malingaliro ambiri akatswiri. Iwo omwe akufuna kupeza ndalama mwachangu komanso mosavuta pangongole amakhala ndi mafunso.

Tidzayesa kuyankha mafunso omwe amafunsidwa kaŵirikaŵiri omwe amabwera ku ofesi yathu yosindikiza:

Funso nambala 1. Kodi ntchito yobwereketsa ndalama yabizinesi ndi chiyani?

Ntchito Zachinsinsi idapangidwa kuti ikuthandizireni kupeza ngongole zanu, osunga ndalama odalirika. Ndiwo malo omwe amadzaza ntchito zonse zofunika komanso zofunikira pakampani yanu.

Kutolera zambiri zamabungwe azachuma, obwereketsa payekha okhala ndi zikhalidwe ndi mfundo zogwirira ntchito, zambiri zamalumikizidwe.

Tebulo likuwonetsa ntchito zina zachinsinsi za ngongole:

№	Dzina	Zolemba malire kuchuluka, zikwi ma ruble.	Kutalika kwakukulu, masiku	% patsiku
1	Ngongole ya Turbo	15	30	2,17
2	MONEZA	30	365	0,35
3	NdalamaMan	60	126	1.85

Kutembenukira kuntchito yobwereketsa ndalama zapadera kuti muthandizidwe, mutha kukhala otsimikiza kuti mnzanuyo ndi wodalirika, chifukwa amagwira ntchito mwalamulo, ntchito zawo ndizovomerezeka. Pamalo oterewa, ndizotheka kuwona kuchuluka kwa wochita masheya, kuchuluka kwa zomwe amachita ndi kudziwa kusankha kwa MFI kapena wogulitsa payekha, ndemanga za iye komanso za obwereka.

Kuphatikiza apo, ngongole zamseri zitha kulangiza kasitomala, kuyang'anira ntchito yake, kuwunika kuchuluka kwa ndalama, kutsatira kubweza ngongole, ndikugwira ntchito ndi mabungwe osonkhanitsa.

Kuti mupeze zonse zomwe muyenera kulembetsa. Njira yolembetsa siyovuta.

Ntchito zotsatirazi ndizapamwamba kwambiri:

Ngongole zachinsinsi:	MFI:
Takulandirani ngongole	Kuyamikira 100
Ndalama mwachangu	MFI lero
MONEZA	Bwererani mwachangu
NdalamaMan	Z-zaim

Chisankho chautumiki chimasiyidwa kwa wobwereka yekha. Mukamasankha, monga lamulo, amamvetsera ku komiti yomwe yadzudzulidwa, kupezeka ndi kuwunika kwamakampani.

Funso nambala 2. Kodi ndingatenge ngongole yangayanga pompopompo pa mphindi 5 osabera?

Ngati wobwereka walembetsa kangapo kwa wobwereketsayo, wabweza ngongoleyo panthawi ndi zonse popanda kubera, amangopeza ngongole yatsopano popanda kubera mphindi 5-15. Otsatsa ndalama amapereka makasitomala okhulupirika mokondera ndizofunikira zochepa. Zing'onozing'ono zingaperekedwe pa intaneti kapena mophweka "Ndikayimba".

Mukamafunsira ngongole koyamba, zimatenga nthawi kuti muyang'ane wobwereka. Wobwereketsa aliyense ali ndi njira zake zotsimikizira, koma mulimonsemo zimatenga nthawi.

Ngakhale atapereka zochepa, munthu sangadalire yankho lavutoli pompopompo.... Otsatsa nawonso sakufulumira kugawana ndi ndalama zawo popanda chidaliro kuti abwerera.

Mukamapereka ndalama zambiri, kulembetsa zikalata kumafunikira, kumaliza mapangano a ngongole kapena chikole, izi zimatenga nthawi kuchokera maola angapo.

Kwa iwo omwe adalembetsa ngongole kwa nthawi yoyamba, mawuwo "Ngongole mu mphindi 5" amachita ngati wotsatsa, osati chowonadi chenicheni.

Funso nambala 3. Momwe mungapezere ngongole yangayekha kudzera pa Makina Othandizira?

Matekinoloje atsopano ndi nsanja za IT zimalamulira malamulo atsopano pankhani yobwereketsa. Njira zonse zachuma zikufulumira. Msika wazachuma nawonso sunapulumutsidwe.

Ngati kale zinali zotheka kupeza ngongole kokha m'mabungwe angongole, ndikupereka zonse phukusi la zikalata, maumboni, zotsimikizira, tsopano pali mabungwe ambiri omwe amapereka ngongole mwachangu komanso mosavuta.Zakhala zikuwonekeratu kuti ndikosavuta kutenga ngongole kuposa kupeza ndalama zanu kwa nthawi yayitali kuti mugule zambiri.

Tsopano mutha kulembetsa ngongole, mwachitsanzo "Kukhudzana"... Ndi dongosolo lomwe limasinthitsa ndi kulipira usana ndi usiku. Amapereka mwayi wofunsira ngongole mosasamala komwe amakhala komanso kulembetsa. Ili ndi netiweki yayikulu yamaofesi oyimira ndi nthambi m'dziko lonselo.

Chifukwa chodziwika ndikosavuta, dongosololi likufunika pakati pa obwereketsa ndi obwereketsa.

Magawo olandila ngongole zachinsinsi kudzera mu "Lumikizanani"

Ganizirani magawo akulu opezera ngongole kudzera m'dongosolo lino:

Gawo 1. Kulembetsa

Kulembetsa onse obwereka ndi obwereketsa kuyenera kulumikizana ndi dongosololi. Chofunikira chachikulu ndi zaka za kasitomala ambiri. Zikopa zosindikizidwa zidzafunika. Kutsimikizira kwamakasitomala kumachitika pogwiritsa ntchito zomwe zikupezeka pa intaneti, chifukwa chake kupereka ngongole kumatenga nthawi yochepa kwambiri.

Gawo 2. Kusankha kochita ndalama

Pambuyo polembetsa, kasitomala amapeza mawonekedwe onse a dongosololi. Amasankha wogulitsa ndalama yemwe amapereka ngongole yoyenera. Amadziwitsa kuchuluka, nthawi, chiwongola dzanja. Zochita zonse zimachitika kudzera mu akaunti yanu.

Akadzaza funsoli, amayang'anitsitsa kulondola ndi kufunikira kwa zomwe zidalowetsedwa. Kupezeka kwa zosagwirizana kumatha kubweretsa kukana kupereka ngongole.

Gawo 3. Kusayina mgwirizano

Lingaliro lopereka ngongole limatumizidwa kwa wobwereka kudzera pa SMS, imelo, kapena foni.

Pogwirizana ndi malamulowa, mgwirizano umachitika pakati pa wobwereka ndi wobwereketsayo.

Gawo 4. Kupeza ngongole

Kuti mulandire ngongole zovomerezeka, muyenera kusankha njira yolandirira ndalama mukalumikizana ndikulemba fomu. Kenako, kuofesi yoyimira kampaniyo, akawonetsa pasipoti ndi kuchuluka kwa ndalama zomwe wobwereketsayo walandila, amalandila ngongole.

Kusamutsa ndalama kumatenga mpaka mphindi 15... Pokhala ndi yankho labwino pankhaniyi, mutatha mphindi 15, mutha kusiya Kuyanjana ndi dipatimenti yazandalama.

Pofuna kuwongolera kubweza ngongole kwakanthawi munthawi yanu ya akaunti pali nthawi yobwezera ngongole yonse komanso masiku olipira.

Dongosololi limakupatsani mwayi woti mulembetse ngongole yanu ndi akaunti yanu.

Zoyenera kuchita kwa wobwereka:

Nzika zaku Russia;
Malire azaka mu MFO osiyanasiyana ndi osiyana, zaka zosachepera zaka 18, kutalika kwake ndi zaka 65;
Kupezeka kwa zidziwitso;
Mapepala osindikizidwa ndi kulembetsa;
Makope amamalisiti anyumba ndi ntchito zokomera anthu (zikafunika).

Ngati ndi kotheka, mutha kugwiritsa ntchito ntchito yolipira ngongole yobweza. Mwayiwu wafotokozedwa mgwirizanowu. M'mabungwe osiyanasiyana azachuma, njira zozengereza ndizosiyana, mfundo zoperekera chithandizo ndizofanana. Pali chiwongola dzanja chobweza, pafupifupi tsiku limodzi amalipiritsa kuchokera 3%, nthawi yotsimikizika kwambiri 3 miyezi.

Kubweza ngongole zachinsinsi kumachitidwanso pogwiritsa ntchito "Lumikizanani" mukamapereka pasipoti. Mukamalipira ndi munthu wina, mudzafunika, kuwonjezera pa pasipoti yanu, kopi ya pasipoti ya wobwereka.

Ubwino waukulu wopeza ngongole kudzera mu Njira Yothandizira ndi:

Kupereka ngongole yandalama, kusamutsidwa, malinga ndi momwe wobwereketsayo adakhalira.
Kupezeka kwa nthambi zambiri kumapangitsa kuti ntchitoyi iperekedwe kulikonse.
Kutulutsa ndalama malinga ndi pasipoti (mpaka kuchuluka kwake).
Ndizotheka kutenga ngongole ndi mbiri yoyipa ya ngongole, kupezeka kwa zolipirira mochedwa pa ngongole zomwe zilipo kale. Tidayankhula kale mwatsatanetsatane za komwe mungapeze ngongole ndi mbiri yoyipa ya ngongole yopanda ziphaso za ndalama ndi ma guarantors m'mbuyomu.
Njira Yothandizira imapatsa mwayi obwereka ndi omwe amagulitsa ndalama kuti azitha kulumikizana mwachindunji (popanda oyimira pakati). Amapereka chidziwitso ndi chithandizo chalamulo kwa omwe akuchita nawo zochitikazo, amasintha njira zopezera ndi kubweza ngongole.
Kupanga malo okhala kudzera mu "Lumikizanani" kumatsimikizira kudalirika kwa zochitikazo, chitetezo kwa achinyengo pa intaneti.
Makasitomala okhulupirika amapatsidwa ma bonasi osiyanasiyana ndi maubwino obwereketsa.

Chifukwa chake, Njira yolumikizirana ndi chida chapamwamba kwambiri cha mabungwe azachuma pantchito yobwereketsa.

Pali mipata yambiri yobwereketsa ndalama zachinsinsi. Izi ndizosiyana pakati pa omwe amabwereketsa ndalama ndi omwe amagulitsa ndalama, komanso mu kampani imodzi yangongole ya obwereketsa osiyanasiyana.

Ndikofunikira kuti muthe kutenga ngongole ndiudindo, osati kuthamangira, kumvetsetsa bwino zomwe zingachitike panjirayi. Ndiye kuthekera kwazinthu zogulira ngongole zidzagwiritsidwa ntchito kwathunthu.

Pomaliza, tikupangira kuwonera kanema momwe mungabwereke ndalama molondola:

Okondedwa owerenga tsamba "RichPro.ru", ngati muli ndi mafunso kapena ndemanga pamutu wofalitsa ndipo mukufuna kugawana zomwe mwakumana nazo, ndiye asiye mu ndemanga pansipa.

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