Ngongole zazing'ono pa intaneti - malangizo a momwe mungapezere ngongole yaching'ono mwachangu pa khadi: masitepe 5 osavuta + ma MFO omwe amapereka ngongole kudzera pa intaneti nthawi usana ku Russia

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Moni okondedwa owerenga magazini a Ideas for Life. Lero tikambirana zopeza ngongole zazing'ono pa intaneti, monga: momwe mungapezere ngongole mwachangu komanso omwe ma MFO amapereka ngongole zazing'ono nthawi yayitali ku Russia.

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

Munkhaniyi muphunzira:

Zomwe zikuyenera kuchitidwa kuti mupeze ma microloan mwachangu;
Kodi pamakhala zotani pobweza ngongole pangongole zazing'ono;
Omwe ma MFIs amapereka ngongole zazing'ono pa intaneti ku khadi, akaunti kapena ndalama mozungulira nthawi.

Zambiri zokhudzana ndi ngongole zazing'ono zimapangidwira anthu osiyanasiyana, chifukwa nthawi zonse pamakhala zofunikira kuti mulandire ndalama zochepa. Zithandizanso kuti mupeze zambiri zakubwereketsa kwamtunduwu komanso kusiyana kwawo pakubwereketsa wamba m'mabanki.

Ndalama zazing'onozing'ono zitha kukhala zosangalatsa kwa iwo omwe, pazifukwa zilizonse, sanaphatikizidwe mgulu la omwe angathe kukhala makasitomala amabanki. Mwachitsanzo, opuma pantchito, ophunzira, ndi anthu opanda malo okhazikika a ntchito kapena ntchito yayitali.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

Udindo	Yerekezerani	Nyamula nthawi	Zolemba malire kuchuluka	Osachepera kuchuluka	Zaka malire	Madeti omwe angakhalepo
1	Zogulitsa	3 min.	RUB 30,000 Onani!	RUB 100	18-65	Masiku 7-21
2	Zogulitsa	3 min.	RUB 70,000 Onani!	RUB 2,000	21-70	Masiku 10-168
3		1 min.	RUB 80,000 Onani!	RUB 1,500	18-75	Masiku 5-126.
4	Zogulitsa	Mphindi 4	RUB 30,000 Onani!	RUB 2,000	18-75	Masiku 7-30
5	Zogulitsa	-	RUB 70,000 Onani!	RUB 4,000	18-65	Masiku 24-140.
6		Mphindi 5.	RUB 15,000 Onani!	RUB 2,000	20-65	Masiku 5-30

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

Udindo	Nyamula nthawi	Zolemba malire kuchuluka	Osachepera kuchuluka	Zaka malire	Madeti omwe angakhalepo
1	3 min.	RUB 30,000 Onani!	RUB 100	18-65	Masiku 7-21
2	3 min.	RUB 70,000 Onani!	RUB 2,000	21-70	Masiku 10-168
3	1 min.	RUB 80,000 Onani!	RUB 1,500	18-75	Masiku 5-126.
4	Mphindi 4	RUB 30,000 Onani!	RUB 2,000	18-75	Masiku 7-30
5	Mphindi 5.	RUB 15,000 Onani!	RUB 2,000	20-65	Masiku 5-30

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Momwe mungatengere ngongole zazing'ono pa intaneti komanso mabungwe abizinesi ang'onoang'ono ku Russia ali okonzeka kupereka ngongole zazing'ono mwachangu komanso nthawi yayitali kudzera pa intaneti - werengani m'magazini ino

1. Kodi ngongole yaying'ono ndi yotani it

Mu moyo wa munthu aliyense, zitha kuchitika pomwe ndalama zochepa zikufunika mwachangu, komanso mwachangu kwambiri. Zitha kutero kugula chinthu china m'sitolo mukasowa kwenikweni 2 000 ma ruble, ndipo malipiro adzangopita pambuyo pake 3 tsiku. Kapena ngongole yaying'ono mukamalipira ngongole ndi misonkhomukamalipira pang'ono, mutha kupewa kuzimitsa magetsi kapena kuwonjezerapo zilango zosiyanasiyana.

Zikatero zingathandizengongole zazing'onozoperekedwa ndi mabungwe azachuma (MFIs) kwakanthawi kochepa.

Ngongole yaying'ono - ndalama zochepa zomwe zimaperekedwa pangongole kwakanthawi kochepa, pomwe njira yovomerezera ngongole yakhala yosavuta kwambiri, koma imaperekedwa chiwongola dzanja chokwanira.

Ma Microcredit nthawi zambiri amaperekedwa ngakhale obwereketsa omwe ali ndi ngongole pobweza ngongole zomwe zilipo kale. Kuphatikiza apo, popereka ngongole zazing'ono, zofunikira pamlingo wa omwe adzalembetse ndalama zimachepa kwambiri.

Nthawi zambiri, makasitomala amalo ogulitsa ngongole omwe amapereka ma microloans amakhala ophunzira, opuma pantchito, ndi anthu opanda ndalama zokhazikika.

Kuvomerezeka kwa ma microloans ndichachangu kwambiri. Kawirikawiri chisankho chimapangidwa mkati mwa maola angapo pambuyo poti pempho la ngongole lalandiridwa. Tinalemba kale za momwe mungapezere ngongole mwachangu ku khadi, akaunti yakubanki kapena ndalama munkhani yapita.

1.1. Kuchuluka kwa ndalama zomwe zimaperekedwa pangongole zochepa

M'mabungwe ambiri azachuma, pakati ma microcredits a anthu payekha, kuphatikiza ndalama mkati 30 000-Ma ruble 50,000... Mukayamba kulumikizana ndi kampani yobwereketsa ngongole, ndizosowa kwambiri kuti mupeze ndalama zovomerezeka pang'ono pangongole zochepa.

Ngakhale ali ndi mtima wokhulupirika kwa omwe angakwereke ngongole, wobwereketsayo amafunikirabe kudziwa Kulipira ndalama kwa kasitomala... choncho ngongole zoyambazoperekedwa pa ngongole zazing'ono sizipitilira kwenikweni 2 000-Ma ruble 5,000.

Pomwe mbiri yabwino ya ngongole ipangidwa mu bungwe limodzi la ngongole, kukula kwa malire a ndalama zomwe zilipo pakubwereka kumawonjezeka.

Mwachitsanzo, pa pempho loyamba, ngongole ya mini idaperekedwa kuchuluka kwa 2 500 Ma ruble a Masabata atatu... Ngongole iyi idabwezedwanso mkati Masiku atatu... Nthawi yotsatira mukalumikizana ndi bungwe lomweli, malire a ngongole adzaonjezeredwa 10 000 Ma ruble.

1.2. Zofunikira zochepa kuti mupeze ngongole yaying'ono

Mukamayitanitsa microloan, wobwereka yemwe akuyenera kubweza ayenera kukwaniritsa zofunikira zingapo, zomwe, poyerekeza ndi mabanki wamba, ndizosavuta.

Zofunikira kuti wobwereka apeze microcredit:

kufika zaka zakubadwa;
kupezeka kwa kulembetsa kwamuyaya kudera lomwe kuli bungwe lazachuma poganizira kufunsira ngongole (nthawi zina, izi sizingachitike, makamaka ngati kampani yangongole ili ndi maofesi oimira madera);
kupezeka kwa gwero la ndalama, izi sizofunikira ndipo mabungwe angapo azachuma amapanga chisankho chabwino ngakhale pakalibe chidziwitso chotsimikizika chazomwe munthu amabwereka.

Tiyenera kudziwa kuti bungwe lililonse lomwe limapereka ngongole lili ndi malamulo ake okhudzana ndi momwe angalembitsire ngongole.

Nthawi yomweyo, njira zosankhira obwereketsa sizotsiriza ndipo kampani yachuma nthawi zonse imavomereza ngongole kwa wobwereka wina, ngakhale ngati sizikukwaniritsa zofunikira. Zinthu zitha kusinthidwa - wopemphayo akhoza kukanidwa popanda kufotokozera, ngakhale zitakwaniritsa zonse zofunika pakampani.

Zosankha momwe mungatengere ngongole yaying'ono ngati ndalama kapena khadi

2. Ndani amapereka ngongole zazing'ono - TOP-3 opereka ndalama zazing'ono 📑

Msika wobwereketsa, ntchito za ngongole zazing'ono sizimangoperekedwa kokha mabanki ndipo mabungwe azachuma, komanso aliyense payekha... Izi sizikhudza ma microcredits okha, komanso gawo lonse lopereka ngongole zandalama pa chiwongola dzanja.

1. Anthu pawokha amapereka ma microloans popanda kukana, samawerenga mbiri ya wobwereketsa ndipo safuna zikalata zotsimikizira komwe amapeza ndi kuchuluka kwa ndalama.

Komabe, alipo Ngozi kugwa mchinyengo cha ochita zachinyengo ndipo, mutalandira pang'ono pangongole, pitani kwa wobwereketsa katundu aliyense wokwanira mtengo wopitilira. Ndizomveka kulumikizana ndi munthu wachinsinsi pokhapokha pamavuto a abwenzi kapena abale. Tinakambirana momwe tingakonzekerere bwino ngongole yangayokha motsutsana ndi chiphaso m'nkhani yomaliza.

2. Mukamapempha ngongole kubanki chiwerengero chamalingaliro amachitidwe opangira ma microcrediting nthawi zambiri chimakhala chochepa, ndipo zofunikira kwa wobwereka ndizovuta kwambiri - kuti mupeze ngongole, muyenera kutenga zikalata zina, ndipo banki ipanga chisankho kuti ipereke ngongole m'masiku ochepa (zomwe sizoyenera kupeza ngongole mu 2 000-3 000 Ma ruble). Tidakambirana kale za banki iti yomwe ndibwino kuti titenge ngongole kubuku lomaliza.

3. Chitsimikizo chobwereka m'mabungwe azachuma ikuchitika mwachangu kwambiri. Kuthamanga kwa kupanga zisankho kwa MFI kumakhudzana mwachindunji ndikuti, monga lamulo, mbiri ya wofunsayo siyitsimikiziridwa ndipo zikalata pazopeza zake sizimawerengedwa... Makampani azachuma amayika chiwopsezo chawo popereka ngongole munthawi yochepa kwambiri ndikutsimikizira kochepa pamtengo wokwanira, poyerekeza ndi mabanki wamba.

Makhalidwe operekera ngongole zazing'ono ndi magulu atatu akulu a omwe angatengeke nawo adzaganiziridwa patsamba lotsatira:

№	Makhalidwe othandizira	Mabungwe azachuma	Mabanki	Anthu wamba
1.	Kuganizira mwachangu ntchitoyo	Pamwamba	Zochepa	Pamwamba
2.	Chiwongola dzanja	Pamwamba	Kutsika pang'ono	Payekha
3.	Kutumiza liwiro	Pamwamba	Zochepa	Payekha, zimadalira njira yoperekera ndalama
4.	Kukhwima	Mofupikitsa, mpaka miyezi isanu ndi umodzi ndi kuthekera kokulirapo	Kutalika	Payekha
5.	Mulingo wachitetezo	Pakati	Wamtali	Zochepa

Posankha wobwereketsa, muyenera kuwerenga mosamala njira zingapo. Msikawu umadzazidwa ndi zotsatsa zofunikira ndipo pali mpikisano wina pakati pa obwereketsa, pomwe ambiri amayesa kukopa makasitomala ambiri powapatsa mikhalidwe yabwino kwambiri.

Ndikofunika kuwunika njira zingapo kuchokera kumakampani osiyanasiyana, kuti mupeze mwayi wopeza ngongole ndi chiwongola dzanja chochepa kwambiri.

Kuwongolera tsatane-tsatane kuti mupeze ngongole yaying'ono yapaintaneti pa khadi kapena ndalama

3. Momwe mungatengere mwachangu ngongole yapaintaneti pa khadi, chikwama chamagetsi kapena ndalama mu njira 5 zosavuta - malangizo atsatanetsatane 📝

Ndikukula kwa ukadaulo wazidziwitso, mabungwe obwereketsa ngongole ndi anthu akulitsa njira zakuperekera ndalama kwa wobwerekayo pambuyo povomereza chisankho chobwereketsa.

Taganizirani pansipa 5 njira zofunika kuti mupeze ngongole yaying'ono.

Gawo 1. Kusankha ngongole

Musanakonde kampani ina iliyonse, muyenera kuphunzira zomwe mabungwe angapo amapereka kwa anthu.

Posankha wobwereketsa, chisamaliro chapadera chiziperekedwa kwa:

kukula ndi njira yowerengera chiwongola dzanja;
malire omwe alipo pakupezeka ngongole zazing'ono;
ndondomeko ndi nthawi yobwezera ngongole.

Ngati zofunikira pakampani iliyonse zili bwino kuposa zomwe ochita nawo mpikisano, ndizomveka fufuzani mbiri yake ngongole ngongolemutawerenga ndemanga za ntchito zake.

Ngati ndemanga zambiri zamakasitomala ndizabwino, izi zitha kuwonetsa momwe obwereketsa amakhalira ndi udindo komanso kusapezeka kwa chinyengo cha obwereketsa.

Gawo 2. Kujambula fomu yofunsira ngongole yaying'ono

Kuti bungwe lazachuma liyambe kulingalira zakubweza ngongole, muyenera kupereka yoyenera ntchito.

Fomu iyi yofunsira ikhoza kudzazidwapa intaneti patsamba la bungwe, ndiye kuti, sikoyenera kupita kuofesi ya kampani kukachita izi. Mukugwiritsa ntchito, muyenera kuwonetsa zambiri zanu ndikuwona ndalama zomwe mukufuna.

Zomwe zimafunikira kuwonetsedwa pakugwiritsa ntchito nthawi zambiri zimakhala ndi izi:

DZINA LONSE;
dera lokhalamo;
phindu la ngongole;
madeti ofunikira okhwima;
kuchuluka kwa ndalama pamwezi;
kupezeka kapena kupezeka kwa zikalata zotsimikizira kuchuluka kwa zomwe mwapeza (satifiketi yochokera kuntchito).

Gawo 3. Kusankha fomu yobwereketsa

Wopemphayo ali ndi ufulu wosankha momwe akufuna kulandira ndalama, atha kupatsidwa ndalama ndi ndalama mosiyanasiyana.

Ndalama zimatha kusamutsidwa kwa wobwereka:

Ndalama. Nthawi zambiri ndalama zimasamutsidwa pa desiki la ndalama la bungwe... Ngati wobwereketsa ndi wachinsinsi, kusamutsa ndalama kumachitika m'malo aliwonse abwino, ndalama zikaperekedwa, chiphaso... Ngati mulandila ndalama motere, simudzakulipiritsani ndalama zina zowonjezera zosamutsira kubanki.
Pitani ku khadi yakubanki. Likhoza kukhala khadi zilipo kale kasitomala, kapena mwina khadi, mwapadera ndi mgwirizano wa ngongole mwina ndi banki yokha kapena malo azachuma ofotokozedwa ndi wobwereketsayo. Chikhalidwe chachikulu ndikuti khadi limasinthidwa mwanjira yanu ndipo lakhala likugwiritsidwa ntchito kale ndi wobwereka kwakanthawi (pafupifupi 3 miyezi). Tidakambirana zakomwe amapereka ngongole ku khadi nthawi yomweyo usana ndikukana m'magazini yomaliza.
Kubweza ku akaunti yakubanki.Momwe zimakhalira ndi khadi yakubanki, iyeneranso kutsegulidwa m'dzina la wobwereka. Kuti musinthe ndalama, muyenera kuwonetsa Dzina la Bank ndipo Nambala ya Akaunti.
Tumizani ku chikwama chamagetsi.Njira imeneyi ndi yabwino chifukwa simuyenera kuchoka pakhomo panu kuti mukapeze ndalama. Chikwama chamagetsi chomwe chafotokozedwa pomaliza mgwirizano wa ngongole chizikhala "zomata»Kutumiza foni yolembetsedwa m'dzina la wobwereka. Kusamutsa koteroko kumachitika mwachangu, mphindi zochepa.

Gawo 4. Kupeza ngongole

Pakakhala chisankho chabwino chabungwe la ngongole kuti lipereke ngongole, ndi njira yovomerezeka yoperekera ndalama, ndalama zomwe zikufunika zizipezeka kwa wobwerekako nthawi yochepa.

Kutengera zinthu zosiyanasiyana, kuthamanga kwa ndalama kumatha kusiyanasiyana, koma, kachitidwe kameneka kamatenga osapitilira ola limodzi.

Gawo 5. Kubweza ngongole ndi kubweza ngongole

Mukamaliza mgwirizano wabungwe, njira ndi njira zobwezera ngongole zimakambidwa. Zitha kutero obwezeredwa ndalama, kusinthitsa ndalama kubanki, kuyamika kuzomwe zanenedwa ndi wobwereketsa ma wallet amagetsi ndipo makhadi akubanki.

Pazinthu zopanda ndalama zobwezera ngongole, zosiyanasiyana ntchitoKukhazikitsidwa ndi onse obwereketsa komanso mabungwe azachuma omwe amasamutsa (kugulitsa). Kukula kwa ma komisiwa kumakhazikitsidwa payekhapayekha.

Pangano la ngongole yaying'ono liyenera kunena ngati pakufunika kubweza ngongolezo ndi chiwongola dzanja nthawi yomweyo kapena ngati zingatheke kubweza ngongoleyo pang'onopang'ono kudzera pakubweza pafupipafupi. Ngati mungalandire ndalama kuchokera kwa munthu wamba, zidziwitsozi zimawonetsedwa mu risiti, pokhapokha mgwirizano wa ngongole utapangidwa padera.

Munkhani yapadera, tidalembanso momwe mungapititsire tizilombo tating'onoting'ono tating'onoting'ono pamakadi apaintaneti popanda kukana ndi ma cheke - tikukulimbikitsani kuti mudzidziwe bwino.

4. Omwe ma MFO amapereka ngongole zazing'ono pa intaneti ku khadi ku Russia nthawi yayitali - mndandanda wa TOP-5 MFOs omwe amapereka ngongole kudzera pa intaneti 📊

Njira zosavuta zoperekera ngongole zazing'ono zimawonetsedwanso munthawi yogwira ntchito yamaofesi amakampani ang'onoang'ono. Ma hotline a MFO amagwiradi ntchito 24 maola, mosiyana ndi mabanki wamba, omwe ogwira nawo ntchito amachita nawo ngongole pokhapokha panthawi yogwira ntchito yokhazikitsidwa ndi malamulo antchito.

Izi zikuchitikanso, kukula kwakukulu kwa ngongole zomwe zaperekedwa, popeza ndalama zochepa zomwe amalandila zimagwiritsidwa ntchito kukwaniritsa zosowa zilizonse, chifukwa chake ndalama zikufunika "pano ndi pano".

M'munsimu muli mndandanda wa mayina 5 mabungwe angongolekupereka ngongole zazing'ono pafupifupi usana ndi usiku.

MFO # 1. "Ndalama zachangu"

Ngongole zazing'ono zimaperekedwa kuchuluka kwake kuchokera ku ruble 1,000 mpaka 25,000 kwakanthawi mpaka masiku 16... Akamapanga mbiri yabwino ya ngongole kubungwe lino, kasitomala akhoza kupatsidwa khadi yapadera - "Bystrokarta", yomwe ngongole kwa obwereketsa odalirika imaperekedwa pafoni.

MFO nambala 2. "Vivus"

Kukula kwakubwereketsa kakang'ono kuchokera ku ruble 1,000 mpaka 15,000... Mapulogalamu a ngongole amawunikidwa usana ndi usiku, chisankho chimapangidwa mumphindi zochepa. Kukula msanga ngongole mpaka masiku 30, nthawi yomweyo, kubweza ngongoleyo msanga sikutanthauza kupezerera zilango zilizonse.

MFO nambala 3. "Ndalama Zanyumba"

Wakhala akugwira ntchito kumsika wobwereketsa kwanthawi yayitali (malinga ndi zowerengera zapakhomo). Zimasiyana pakakhala nthawi yobweza ngongole yobweza ngongole yaying'ono - mpaka miyezi isanu ndi umodzi, kuchuluka kwa kubwereka kumakhala kochepa 40,000 ma ruble... Ngati ndi kotheka, nthawi yobweza ngongole itha kupitilizidwa kwa miyezi isanu ndi umodzi.

MFO nambala 4. "SmartCredit"

Kuvomerezeka kwa ngongole kumachitika pa intaneti popanda kupereka zikalata zothandizira. Pakulankhulana koyamba, malire omwe alipo a ngongole yaying'ono ndi 2,000 ma ruble, kukhwima Sabata 1ndipo palibe kubwezera koyambirira kwa ngongole yomwe imaperekedwa. Chiwongola dzanja cha ngongole yaying'ono ngati iyi 1,9%. Mukalembanso, malire a ngongole amakula, ndipo nthawi yobwezera ngongole imasinthasintha.

MFO nambala 5. "NdalamaMan"

Pa foni yoyamba, ndalamazo zimapezeka mu Ma ruble 1,500 ndi kukhwima Masiku 5... Kampaniyo imasiyanitsidwa ndi kuwonjezera pafupipafupi mapulogalamu atsopano obwereketsa ngongole ndi kukwezedwa kosiyanasiyana. Malire azinthu zochepa - Ma ruble 70,000, ndi zolipira pafupipafupi pakubweza milungu iwiri iliyonse.

Kuti mumveke bwino, ngongole zazikulu zamakampaniwa zikuwonetsedwa patebulopo poyerekeza:

№	Dzina Lakampani	Ngongole	Kuchuluka kwa ngongole	Chiwongola dzanja (tsiku lililonse logwiritsa ntchito ngongole)
1.	*Ndalama zachangu*	Masiku 7-16	1-25 zikwi za ruble	Mpaka 2%
2.	Vivus	Mpaka masiku 30	1-15 zikwi ma ruble	Kuchokera ku 1.125%
3.	Ndalama Zanyumba	Masabata 25-52	10-40 zikwi za ruble	Kuchokera 0.7%
4.	Chidziwitso	Masiku 5-30	2-15 zikwi rubles	Kuchokera ku 1.9%
5.	NdalamaMan	Masiku 5-126 Malipiro kamodzi pamasabata awiri	1.5-70 zikwi makumi khumi	Kuchokera 1.8%

Ngati mabanki onse ndi ma microloans (MFOs) akukana kukupatsani ngongole yaying'ono, tikukulangizani kuti muwerenge nkhani yathu yoti mupeze ndalama pompano.

5. Momwe mungapezere ngongole yaying'ono mwachangu - TOP-5 malangizo othandiza posankha ngongole credit

Ngati pakufunika ndalama zochepa mwachangu, pakadali pano ndalamayi ndi yoletsa kumene angapeze, yankho lavutoli lingakhale kupeza kachilombo kakang'ono.

Pali malingaliro ambiri pa intaneti kuti mutulutse ndalama mwachangu. Ntchito yofunsira ngongole ngati iyi itha kupangidwa pa intanetipowonetsa zofunikira patsamba la mabungwe azachuma.

Posankha ngongole zomwe zimapereka ngongole zazing'ono, tikulimbikitsidwa kutsatira malangizo angapo osavuta.

Langizo 1. Samalani pophunzira mbiri ya kampaniyo

Ma network amakompyuta amapereka mwayi wokwanira wosinthana zambiri. Sizingakhale zopanda phindu kuwononga nthawi kuti mufufuze mbiri ya kampani yopanga ndalama zazing'ono ndikuwerenga ndemanga za ntchito yake.

Osangokhala owerenga mauthenga patsamba lovomerezeka la yemwe angakubwerekeni, ofunika kukawayendera Mabwalo odziyimira pawokha, malo ochezera a pa Intaneti ndikufunsa mafunso osangalatsa kwa ogwiritsa ntchito ena.

Langizo 2. Onetsetsani kuti zomwe zafotokozedwazo ndi zolondola

Onani zolondola zomwe zawonetsedwa patsamba la kampani kapena zotsatsa. Mafunso oyenera atha kufunsidwa polumikizana mwachindunji ndi woimira bungwe patelefoni kapena panthawi yolembera pa intaneti.

Zikapezeka kuti ngongole zenizeni (chiwongola dzanja, Masiku okhwima etc.), ndizosiyana ndi zomwe zafotokozedwa poyambirira, ndiye kuti, chifukwa chokhala ochenjera. Mwinanso, bungweli likuchita kusintha zigwirizano za mgwirizano osagwirizana pambuyo pomaliza.

Langizo 3. Ngati kuli kotheka, perekani mwayi wakukulitsa kukula kwa ngongoleyo

Ngati palibe chidaliro chonse kuti athe kukwaniritsa zomwe agwirizana pangano la ngongole munthawi yomwe agwirizana, ndiye kuti ndizomveka kusankha mabungwe omwe amapereka mgwirizanowu kuthekera kwake kutalikitsa (kukonzanso), komanso kupereka "Maholide a ngongole" nthawi zina.

Tiyenera kumvetsetsa kuti chiwongola dzanja cha ngongole zazing'ono chimawerengedwa masiku, osati zaka, monga m'mabanki. Chifukwa chake, ngati kuchuluka tsiku lililonse kuli 2%, ndiye chaka chilichonse chidzakhala zoposa 700% ya ndalama zomwe adalandira koyambirira.

Langizo 4. Onani momwe bungwe limayendetsera bwino, kuyenda kosamutsa ndalama

Ngongole yaying'ono yokhala ndi chiwongola dzanja chowonjezeka imatanthawuza mwachangu kuti mupeze ndalama zochepa, koma zofunikira. Chifukwa chake, ndibwino kusankha kampani yomwe ili nayo kuthekera kusamutsa ndalama mwachangu kwa makadi amabanki achitatuPokhala ndi mbiri yabwino yolumikizana ndi kampani yotere, njira yolandila ndalama imatenga nthawi yocheperako.

Zambiri pa nthawi yolandila ndalama ziyenera kuperekedwa ndi nthumwi ya bungwe la ngongole.

Langizo 5. Ganizirani za tsambalo komanso kuchuluka kwa zomwe zalembedwa

Ngati kampani ikufuna kuchita mgwirizano wanthawi yayitali komanso wopindulitsa ndi omwe angabwereke ndalama, akuyenera kuchitapo kanthu mbali yake kuonetsetsa kupezeka ndi kumveka bwino kwazomwe kasitomala amafunikira.

Zomwe zili patsamba loyamba la webusaitiyi ziyenera kukhala zomveka zambiri zamakina ndi momwe mungapezere ngongole yaying'ono... Kuphweka kwa mawonekedwe azinthu zofunikira pa intaneti ndikofunikanso, kuti musasowe kuti muphunzire masamba onse atsambali kuti mupeze zofunikira.

Kusunga kapangidwe ndi kukonza kwa tsamba lawebusayiti kumatha kuwonetsa kusachita bwino ntchito kwa omwe akukonza mabungwe azachuma, omwe nawonso ayenera kuchenjeza wobwerekayo.

6. Kodi mungabwezere bwanji ngongole yaying'ono yomwe mwalandira pa intaneti pa khadi? 💳

Mawu obweza ngongole amakambirana pokonzekera kuti apeze. Mukasamutsa ngongole yaying'ono ku khadi yakubanki, ngongole yolandilidwayo ikhoza kubwezedwa posamutsa ndalama kuchokera pa khadi yomweyo. Mutha kusamutsa zomwe zimafunikira ku chikwama cha e chotchulidwa ndi wobwereketsayo kapena kulipiritsa ndalama.

Wobwereka aliyense angasankhe njira yabwino yobwezera ngongole:

Kubweza ngongole pamalipiro. Ndi njira yolipirira yogwiritsira ntchito ngongole, kupezeka kwa munthu amene akusamutsa ndalamazo ndikofunikira. Pambuyo pobweza, wobwereka ayenera kukhala ndi chikalata chotsimikizira kuti walipira (cheke cha osunga ndalama, ngongole ya ngongole, chiphaso). Mukabweza ngongole yomaliza, tikulimbikitsidwa kuti mupite ku ofesi ya bungwe kuti mukalandire satifiketi yotseka ngongole.
Khadi la kubanki. Mwinanso njira yabwino kwambiri yoperekera ndalama zonse ndikulipira ngongole pangongole zochepa. Kusamutsa ndalama muyenera kudziwa Zambiri zamakampani angongole, izi zimapezeka zikalata zolembedwa mukamafunsira ngongole, kuphatikiza mgwirizano womwe umaperekedwa pamagetsi.
Chikwama chapaintaneti. Njira yosavuta, koma yogwirizana ndi ndalama zowonjezera mu mawonekedwe mabungwekulipidwa chifukwa chogwiritsa ntchito ntchito yolipira.

7. Mafunso omwe amafunsidwa pafupipafupi (FAQ) pa ngongole zazing'ono 💬

Pakusanthula zidziwitso zomwe zili pamawebusayiti ovomerezeka amakampani azachuma, mafunso osiyanasiyana angabuke pangongole zazing'ono, komanso pazomwe zingachitike.

Funso 1. Kodi mungapeze bwanji ngongole yaying'ono pa intaneti ya chikwama cha Qiwi?

Pali mafunso ambiri okhudza kagwiritsidwe ntchito ka ma e-wallet mukalandira ma microloans. Mutha kuyankha ena mwa mafunsowa pogwiritsa ntchito chitsanzo chopeza ngongole pachikwama cha Qiwi.

Malo omwe amathandizira dongosolo lolipirira ndiofala. Kampani ya rightholder yakhazikitsa mapulogalamu olandirira ndalama mu odziyimira pakompyuta, kukulolani kuti musinthe ndalama momasuka, kulipira ntchito ndi katundu.

Gawo lobwereketsa nawonso silinayime pambali. Dongosolo la Kiwi lakhala galimoto yabwino kwa anthu kuti athe kupeza ndalama zazing'onozing'ono.

Monga lamulo, ngongole zazing'ono zosamutsira chikwama cha Qiwi zimaperekedwa kwa nzika za Russian Federation kuchokera 18 kale 70 zaka... Mukalumikizana ndi kampani yopanga ndalama kwa nthawi yoyamba, wobwerekayo angafunike kukhala ndi khadi yakubanki. Kugwirizana kwina kungachitike mwachindunji kudzera m'dongosolo Qiwi... Kuyanjana kotereku kumatheka pokhapokha ngati kulibe ngongole zonse komanso ntchito yosamala ya ngongole zam'mbuyomu.

Ubwino wa (+) kugulitsa zinthu za ngongole kudzera mu dongosolo la Qiwi ndi:

zikalata zochepa zoperekedwa ndi wobwereka;
kusamutsa ndalama kwakanthawi;
Kuchita bwino poganizira momwe ntchitoyo ikugwirira ntchito;
yabwino kwa anthu ogwiritsa ntchito ndalama zamagetsi.

Nthawi zina, pamakhala mapulogalamu owonjezera mapangano a ngongole, komanso kukwezedwa kosiyanasiyana komwe kumachitika kwa ogwiritsa ntchito mokhulupirika.

Zoyipa za (-) ndalama zazing'ono kudzera mu Qiwi Wallet ndi monga:

chiwongola dzanja chachikulu chofananira pakubwereketsa kotere;
kukhwima kwakanthawi kochepa;
Commission kwa omwe amagwiritsa ntchito ndalama zamagetsi, omwe atha kulipidwa kuti alipire ndalama zina pangongole.

Njira yopezera ma microloan pa Qiwi Wallet imachitika magawo angapo:

Kupanga chikwama chamagetsi. Mukamalembetsa patsamba la Qiwi tsamba la data, ma pasipoti ndi nambala yafoni ya m'manja zikuwonetsedwa. Kuti muvomereze patsamba lino, muyenera kulowa kachidindoKutumizidwa ku nambala yafoni yomwe idatchulidwa nthawi yolembetsa. M'tsogolo, kulowa dongosolo, ntchito kuyima (polowera kuchokera pachida china) ndi mawu achinsinsi a nthawi imodzi... Pambuyo polembetsa pamalowo, wogwiritsa ntchito amatha kupanga chikwama chamagetsi pogwiritsa ntchito njira yoyenera.
Kudzaza kugwiritsa ntchito intaneti kulandira microloan. Nthawi zina, muyenera kutumiza Kujambula pasipoti.
Kudikirira kuvomerezedwa ndi pulogalamuyi.Pambuyo potumiza fomu yofunsira ngongole, foni ya wobwerekayo imalandira uthenga wokhala ndi nambala yapadera, yomwe iyenera kulowetsedwa patsamba la kampani yobwereketsa ndalama, kukhazikitsidwa kwa nambala iyi kumatsimikizira kuvomerezeka kwa ngongole.
Kulandira ndalama.Pogwirizana ndi ngongoleyi, pakapita kanthawi ndalama zomwe zikufunika zidzasamutsidwa ku chikwama chamagetsi, ndipo chikalata chamagetsi chokhala ndi ngongole chidzatumizidwa kwa wobwereka.

Funso 2. Kodi ndingalandire ngongole yaying'ono ndi mbiri yoyipa ya ngongole?

Mabungwe azachuma amayesetsa kupereka ngongole mwachangu momwe angathere. Chifukwa cha izi, makampani oterewa alibe nthawi yokwanira yowunika onse obwereketsa. Zowopsa zomwe zimabwera chifukwa cha njirayi zimakwaniritsidwa chifukwa chochepa kwambiri cha ngongole zomwe mwabwereka komanso chiwongola dzanja chachikulu.

Komabe, kuwunika ngongole kumatenga za 5 mphindi, wokhala ndi mwayi woyenera wa BKI (maofesi a ngongole). Chifukwa chake, palibe chitsimikizo chokwanira chomwe chingaperekedwe ndi ngongole zazikulu kwa ngongole zina, ngongole yaying'ono ivomerezedwa. Kuphatikiza apo, bungwe lazachuma limakhala ndi ufulu wokana kupereka ngongole popanda kupereka chifukwa chilichonse.

Poyamba mu MFI inayake, mulimonsemo, mutha kungodalira ngongole yocheperako. Paulendo wotsatirangongole zonse ku kampaniyi zikabwezedwa, malire a ngongole amawonjezedwa.

Poganiza zopereka ngongole kwa munthu wina, ma MFO, nthawi zambiri, amaganiza za ngongole ndi zolakwa pa ngongole zawo zokha, nthawi zambiri osasamala mbiri yawo yonse ya ngongole. Chifukwa chake, amatha kudalira kupeza ngongole yaying'ono ngakhale obwereketsa omwe ali ndi mbiri yoipa m'mabungwe ena obwereketsa ndalama. Werengani zambiri za ngongole zokhala ndi mbiri yoyipa ya ngongole mu nkhani ina m'magazini yathu.

Funso 3. Kodi kuopsa kopeza ngongole zazing'ono osayang'ana mbiri ya ngongole yanu ndi kotani?

Kuphatikiza pa chiwongola dzanja chachikulu, kukhwima kwachangu pamalipiro ang'onoang'ono ndi ngongole zochepa, ndalama zazing'ono zili ndi chiopsezo china. izo ambiri achinyengokuyesera kukhala ndi chidziwitso cha anthu pazodzikonda.

Muyenera kusamala kwambiri ndi makampani omwe alibe chidziwitso chambiri pagulu. Izi zikugwiranso ntchito kwa obwereketsa achinsinsi.

Nthawi zina, poyankha chiwongola dzanja chambiri, mutha kukhala mumkhalidwe wosasangalatsa, ndikuyika pachiwopsezo moyo wanu wachuma komanso chitetezo chazidziwitso zanu.

8.Kumaliza + mafunso kwa owerenga 🔔

Pomaliza, pali maupangiri ena osankha ndi kutumizira ngongole:

Malangizo 1. Upangiri waukulu posankha ngongole ndi yesani mokwanira kuthekera kwanu... Mukalandira ndalama pangongole, wobwereka samangobweza ndalama zomwe adabwereka, komanso chiwongola dzanja chogwiritsa ntchito ngongoleyo. Mpaka ngongoleyo ikabwezeredwe limodzi ndi chiwongola dzanja chonse, mgwirizano wa ngongole umayesedwa wovomerezeka... Kuchedwa kulipidwa pafupipafupi, kubweza ngongole ndikuchedwa - chidziwitsochi chitha kusokoneza kulandila ngongole mtsogolo.
Malangizo 2. Chitani ngongole ngati njira yomaliza. Ngati muli ndi mwayi wobwereka ndalama kwa abwenzi kapena abale, ndibwino kuti musafulumire kupita kukaona ngongole.
Uphungu 3. Ngongole ndalama zochepa zofunika. Kukulira ngongole, ndikokulirapo, komwe kumapangidwa mwa chiwongola dzanja.
Langizo 4. Ngati ndi kotheka, ndikulimbikitsidwa kwambiri perekani ngongole mwachangu momwe angathere... Ndalama zonse zogwiritsira ntchito ngongole zikukula tsiku lililonse. Momwemo, nthawi yocheperako ikagwiritsidwa ntchito, ndiye kuti simuyenera kulipira zochulukirapo. Kupatula pano kungaganiziridwe ndalama zolipiriratu, koma izi, monga lamulo, sizikugwira ntchito nthawi yonse yomwe mgwirizano wapanga ngongole wabweza.
Langizo 5. Werengani mgwirizano mosamala musanasaine ndikuwonetsetsa kuti pali mwayi wokwaniritsa zofunikira zonse za mgwirizano wa ngongole. Pakakhala kusintha kwa solvency, tikulimbikitsidwa kuti nthawi yomweyo mudziwitse wobwereketsa zovuta zomwe akumana nazo. Nthawi zina, mabungwe azachuma amatha kupereka zotchedwa "Maholide a ngongole", Kuphatikizidwa kwakanthawi kochepa munjira yolipirira yomwe sikukhudza mbiri ya ngongole. Wobwereketsayo akufuna kulandira ndalama zonse chifukwa cha iye, chifukwa chake maphwando amavomereza Kubweza ngongole pobweza kapena kukonzanso ngongole.

Ngongole yaying'ono - njira yabwino yosavuta yopezera ndalama pazosowa mwachangu. Mukamapempha kuti mukhale ndi ndalama zochepa, simuyenera kudziwononga nokha pazachuma kuti musakhale muukapolo wachuma.

Pokhala ndi chidwi ndi tsatanetsatane komanso njira yabwino yosankhira njira zopezera ndalama, ngongole yaying'ono ingakhale njira yabwino yothetsera mavuto azakuthupi, osati cholemetsa.

Mafunso kwa owerenga

Kodi mwalembapo ku MFI kuti mupeze ngongole yachangu yapa intaneti? Munapatsidwa ndalama pamikhalidwe iti?

Okondedwa owerenga tsamba "RichPro.ru", ngati muli ndi mafunso kapena mukufuna kugawana malingaliro anu, zokumana nazo, siyani ndemanga zanu pansipa ndikuwerengera zomwe mwaphunzirazi!

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