Ngongole yachangu - momwe mungaperekere ku khadi, akaunti yakubanki kapena ndalama munthawi zisanu komanso komwe mungapeze ngongole pa intaneti popanda kukana nthawi yomweyo

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Masana abwino, owerenga okondedwa a Maganizo azachuma a Maganizo a Moyo! Munkhaniyi tikambirana za ngongole zachangu: momwe mungapezere ngongole mwachangu ku khadi, akaunti yakubanki kapena ndalama pa intaneti popanda kukana, nthawi yomweyo komanso usana ndi usiku (maola 24 patsiku).

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

Mukawerenga nkhani yomwe yaperekedwa, mupeza kuti:

Kodi ngongole yangotani?
Kodi maubwino ndi zovuta zake za ngongole zachangu pa intaneti ndi ziti?
Momwe mungatengere ngongole mwachangu ku khadi, akaunti kapena ndalama osachoka pakhomo;
Kodi ndizopindulitsa kuti ngongole zapaintaneti / pa intaneti.

Kumapeto kwa nkhaniyi, pachikhalidwe pamakhala mayankho pamafunso omwe amafunsidwa kawirikawiri. Kuphatikiza apo, bukuli lili ndi upangiri waluso pa ngongole zachangu.

Nkhani yomwe iperekedwa ingakhale yothandiza kwa aliyense - iwo omwe asankha kale kubweza ngongole yachangu. Kwa zina zonse, ndikofunikira kudziwa zamtundu wobwereketsa, chifukwa palibe amene ali ndi inshuwaransi pakufunika kopeza ndalama pangongole. Chifukwa chake, osataya mphindi, 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	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.

Zambiri za ngongole zachangu: momwe mungazipezere pa intaneti komanso makampani omwe amapereka ngongole mwachangu pa khadi, akaunti yakubanki kapena ndalama popanda kukana komanso nthawi yayitali (24/7) - werengani m'magazini ino

1. Kodi ngongole yachangu ndi chiani - chidule cha lingaliro 📃

Zochitika zomwe ndalama zimafunika mwachangu sizachilendo. Nthawi yomweyo, nthawi zambiri palibe nthawi yoti mufufuze anzanu omwe angabwereke kapena kudikirira kuti banki iwonenso pempholo. Ndi munthawi ngati izi pomwe ngongole yangongole imatha kuthandiza.

Onetsani ngongole ndi ntchito yamsika yazachuma yomwe imakupatsani mwayi wopeza ndalama mwachangu -pasanathe mphindi 15 - 30mutapereka pempholi.

Zinthu zazikulu za ngongole zachangu ndi izi:

palibe chifukwa chopezera wobwereketsayo mndandanda waukulu wamapepala;
kugwiritsa ntchito molakwika ndalama, ndiye kuti wobwereka ali ndi ufulu wogwiritsa ntchito ndalama zomwe walandira mwakufuna kwake;
nthawi zambiri guarantors safunika;
ngongole imaperekedwa popanda chikole.

Mwa zina zabwino zakubweza ngongole, zotsatirazi nthawi zambiri zimatchulidwa:

pafupifupi nthawi yomweyo / chisankho chofulumira cha wobwereketsayo (mkati mwa mphindi zochepa);
maturities osiyanasiyana - kuyambira masiku ochepa mpaka chaka kapena kupitilira apo;
kuthekera kolandila ndalama kutali munjira pa intanetiosayendera ofesi ya wobwereketsa;
ngati sikutheka kubweza ngongoleyo panthawi, mutha kugwiritsa ntchito ntchito yowonjezerayi;
njira zambiri zobwezera ngongole.

Chifukwa chake, ngongole yangongole imathandizira kuthana ndi zovuta kwambiri. Koma ndikofunikira kukumbukira kuti kubwereketsa kotere kumachitika pang'ono - nthawi zambiri osaposa ma ruble 10,000.

2.Zabwino ndi zoyipa zakubweza ngongole mwachangu pa intaneti - zabwino za kubwereketsa 📊

Chimodzi mwazinthu zofunikira kwambiri pakubweza ngongole pa intaneti ndi liwiro kwambiri lolembetsa... Nthawi zambiri, kuyambira pomwe ntchito imayamba kudzera pa intaneti mpaka ndalama zitalandilidwa, osaposa mphindi 30... Ndizachilengedwe kuti panthawiyi sizingatheke kuyang'anitsitsa wobwereka. Chifukwa chake, ngongole zachinyengo zimaperekedwa mosalephera.

Mbali ina ya ngongole zapompano ndi palibe chofunikira kuti muteteze monga zotsimikizika kapena chikole... Komabe, obwereketsa ena samakana inshuwaransi ya nzika mokakamizidwa. Ntchitoyi ndi yodzifunira, koma ngati akukana kupereka mfundo, ndalama zomwe mungalandire zingakulitsidwe.

Chifukwa chake, zabwino zazikulu za ngongole zachangu ndi izi:

chisankho mwachangu pazofunsira;
mtima wokhulupirika kwa obwereketsa;
palibe chifukwa choperekera chitetezo.

Komabe, zabwino izi zobwereketsa mwachangu zimapangitsa kuwonetsa kwakukulu kusowa – chiwongola dzanja chachikulu... Chowonadi ndi chakuti wobwereketsa nthawi zonse amakhala wowopsa, kupereka ndalama kwa obwereketsa popanda cheke chokwanira. Njira yobwereketsa iyi imabweretsa kuti mlingowo ungathe kupitirira 500% pachaka.

Chiwongola dzanja chachikulu chimapangidwa ndi zinthu zingapo:

mwachindunji chiwongola dzanja;
kulipira kubweza kapena kusamutsa ndalama zomwe wabwereka;
ngongole yobweza ngongole;
malipiro a ngongole;
inshuwaransi.

Vuto lina la ngongole zachangu ndi malire azaka... Nthawi zambiri, kubwereketsa kotere kumapezeka kwa anthu azaka zosazindikira. Chifukwa chake, kubwereka ngongole pompopompo ndizosatheka kwa anthu mpaka zaka 24.

Momwe mungaperekere ngongole mwachangu ku khadi, akaunti yakubanki kapena ndalama pa intaneti - chitsogozo cha tsatane-tsatane kwa oyamba kumene

3. Momwe mungabweretse ngongole mwachangu ku khadi, akaunti yakubanki kapena ndalama zapaintaneti - malangizo mu njira 5 zosavuta

Kuti mupeze ndalama zofunika msanga komanso popanda mavuto osafunikira, ndikofunikira kuchita zonse molondola. Chifukwa chake pansipa chaperekedwa gawo ndi gawo magwiridwe antchito, zomwe zithandizira iwo omwe adzalembetse ngongole mwachangu kwanthawi yoyamba.

Gawo 1. Kusankha wobwereketsa

Ngongole yachangu imatha kupezeka ngati kubankindipo mu bungwe lazachuma... Mukamapanga chisankho chokomera chimodzi mwamagulu awa, ndikofunikira kukumbukira kuti lililonse lili ndi mawonekedwe ake:

Mabanki lingalirani zofunsira ngongole kwanthawi yayitali. Amasanthula mosamala omwe angakhale obwereka. Komabe, mwayi wamabungwe amabanki ndi zambiri mawu abwino okongoletsa ngongole... Tinalembanso za banki iti yomwe ingakhale bwino kutenga ngongole pamtengo wotsika - tikukulangizani kuti muwerenge nkhaniyi.
Mabungwe azachuma iwo ndi okhulupirika kwambiri kwa makasitomala awo. Chifukwa chake amavomereza chisankho pazofunsira mumphindi zochepa - nthawi zambiri osapitilira khumi. Mwayi wovomerezedwa mukamayankhulana ndi makampaniwa nawonso ndiwokwera kwambiri - ndizo zoposa 90%... Komabe, iwo omwe asankha MFI ayenera kukhala okonzekera kukweza chiwongola dzanjamomwe mabungwe amenewa amatetezedwa ku kusabwezera ndalama zomwe adapereka.

Gawo 2. Kusankha pulogalamu yobwereketsa

Nthawi zambiri, wobwereketsa aliyense amapereka mapulogalamu angapo osiyanasiyana. Ndikofunika kuwunika onse ndikusankha yomwe ili yovomerezeka kwa wobwereka.

Poterepa, muyenera kumvetsera kuchuluka kwa ngongolekomanso kupitirira nthawi, panthawi yomwe mufunika kubweza ndalama zomwe mwalandira. Kuphatikiza pa izi, ndikofunikira kudziwa kuti ndi ati zilango gwiritsani ntchito ngati zolipirazo zachedwa.

Gawo 3. Kupanga fomu yofunsira ngongole yapaintaneti

Lero mutha kutenga ngongole, osachoka panyumba... Thandizani kuchita izi kugwiritsa ntchito intaneti... Ndikokwanira kupita patsamba la wobwereketsa wosankhidwa ndikulowetsa zomwezo mu fomu yoyenera.

Polemba fomu, ndikofunikira kukhala osamala kwambiri. Zolakwitsa zilizonse kapena kusokonekera kwa deta kumatha kubweretsa chisankho cholakwika. Nthawi zambiri mumayenera kulemba zambiri zaumwini, zambiri zandalama ndipo malo ogwirira ntchito... Kuphatikiza apo, nthawi zambiri, amafunikira kutanthauzira magawo a ngongole yofunikira - ndalama ndipo nthawi.

Pakangotha magawo onse ofunsira, atumizidwa kwa oyang'anira ngongole kuti akawaganizire.

Gawo 4. Kudikira chisankho

Nthawi zambiri lingaliro la wobwereketsayo limapangidwa mwachangu - mkati 10 mphindi pazipita... Mwachilengedwe, sizotheka kuwona mbiri ya wobwereketsayo kwakanthawi kochepa chonchi. Chifukwa chake, mbiri ya wobwereketsa sichimakhudza yankho la wobwereketsayo.

Lingaliro pa pempholi lingadziwitsidwe kwa wopemphayo m'njira zingapo:

Uthenga wa SMS;
foni;
patsamba la wobwereketsa mu akaunti ya wobwereketsayo;
mu imelo.

Gawo 5. Kulandila ndalama

Ngati, kutengera zotsatira zakugwiritsa ntchito, zivomerezedwa zabwino yankho ndikutenga ndalamazo. Izi zitha kuchitika popita kuofesi ya wobwereketsa mutalandira ndalama ndalama.

Komabe, njira yabwino kwambiri yopezera ngongole ndikusankha khadi la kubanki kapena chikwama chapaintaneti... Poterepa, simuyenera kusiya kompyuta yanu. Munkhani zam'mbuyomu, tidafotokozera mwatsatanetsatane momwe mungatengere ngongole pa intaneti nthawi yomweyo komanso komwe mungapeze ngongole pa chikwama cha Qiwi popanda zolephera nthawi yayitali - tikukulimbikitsani kuti muwerenge mosamala.

Mwa njira iyi, kulembetsa ngongole yangongole - njirayi ndiyosavuta. Ndikokwanira kutsatira njira zomwe tafotokozazi kuti mupeze ndalama mwachangu komanso popanda mavuto.

4. Ngongole zachangu zapaintaneti - Makampani TOP-7 omwe amapereka ngongole ku khadi kapena akaunti yapompopompo nthawi yayitali popanda kukana 💰

Mutha kulandira ngongole mwachangu polumikizana ndi banki kapena mabungwe azachuma omwe amapereka ngongole mwachangu pa intaneti nthawi yayitali (maola 24 patsiku) nthawi yomweyo osakana.

Wobwereketsa aliyense amakhazikitsa njira zake - ndalama, mlingo, nthawi... Komanso, zofunika kwa omwe angabwereke ndalama m'makampani ndizosiyana.

Nthawi zambiri kumakhala kovuta kusanthula palokha mabungwe ambiri obwereketsa ngongole ndikusankha yabwino kwambiri. Chifukwa chake, tikukulangizani kuti musamalire ziwerengero za obwereketsa zopangidwa ndi akatswiri.

Pansipa pali chitsanzo Makampani TOP 7 ndi mawu abwino kwambiri okongoletsa ngongole.

1) Alfa Bank

Alfa Bank amakhala ndi chidziwitso chantchito yayitali. Munthawi imeneyi, adatchuka popanda kuipitsa mbiri yake.

Apa mutha kupeza kirediti kadi mwachangu komanso momasuka. Chizindikiro cha mankhwala omwe amatchulidwa ndi kupezeka kwa nthawi yachisomo... Amalemba Masiku 60... Nthawi yonseyi, ndalama zogulira ngongole zitha kugwiritsidwa ntchito popanda kulipira chiwongola dzanja. Ndalama zambiri zomwe mungalandire ndi Ma ruble 300,000.

Mutha kulembetsa khadi la ngongole mwachindunji patsamba la banki. Mphindi zochepa pambuyo pake, woimira banki amalumikizana ndi wopemphayo kuti afotokozere za ngongole.

2) Tinkoff Bank

Tinkoff - banki yoyamba yaku Russia yomwe imagwira ntchito kudzera pa intaneti. Apa mutha kupeza kirediti kadi ndi malire mpaka ma ruble 300,000.

Kuwona ntchito zomwe zaperekedwa patsamba lino zimachitika pasanathe mphindi 5... Khadi limaperekedwa kunyumba kwanu kapena kuofesi ku adilesi yomwe wofunsayo wasonyeza.

Khadi logulira ngongole ndi lovomerezeka Nthawi yachisomo pamlingo wa Masiku 55... Ngati panthawiyi sikutheka kubweza ngongoleyo, chiwongola dzanja chimaperekedwa kwa iwo pamlingo 19,9% pachaka.

Ubwino wa Tinkoff kirediti kadi ndikupezeka kubweza ndalama... Ndiye kuti, gawo la ndalama zomwe sizinawonongeke ndalama zibwezeredwa ku khadi (pazogula pawokha mpaka 30%).

3) VTB Bank yaku Moscow

VTB Bank of Moscow imapatsa makasitomala ngongole zambiri. Ngati tilingalira za njira yofunsira ngongole yapa ngongole, kirediti kadi ndiyabwino kwambiri. "Mtengo wotsika"... Pa izo nthawi ya Masiku 50 pali nthawi yopanda chidwi. Zimaperekanso kubweza ndalama pamlingo wa 5% zogula zopangidwa.

Kufunsira khadi ya VTB Bank of Moscow, ndikwanira kuti mudzaze mafunso amafunsidwa patsamba lino. Yankho liyenera kudikirira osaposa mphindi 15... Pakakhala chisankho chabwino, zimakhalabe zolumikizana ndi ofesi yakubanki ndi zikalatazo ndikunyamula khadiyo.

4) Wopereka ndalama

Wopereka ndalama - bungwe lazachuma lomwe limapereka ndalama mwachangu kwambiri. Nthawi yomweyo, chiwongola dzanja chokwanira chimafika Ma ruble 70,000.

Kuti mupeze ngongole, ndikwanira kuyika fomu patsamba la kampaniyo. Mu mphindi zochepa mudzalandira yankho kuchokera ku kampaniyo. Mutha kupeza ndalama ndalama, ku akaunti ya banki kapena mapu.

Moneyman amapereka makasitomala atsopano kuti apeze Ma ruble 10,000... Adzayenera kubwezedwa munthawiyo 5-18 masabata... M'tsogolomu, podutsa magawo angapo, mutha kusintha momwe mungadzikongoletsere nokha.

5) Vivus

Vivus - bungwe lazachuma lomwe ntchito imatha kutumizidwa ndi pasipoti imodzi yokha. Poterepa, yankho liyenera kudikirira osapitirira theka la ora.

Nthawi imeneyi, wobwereketsayo amakhala ndi nthawi yowunika mbiri ya ngongole. Komabe, samatsogoleredwa ndi iye nthawi zonse popanga chisankho.

Ngongole yoyamba ku kampani imaperekedwa kuchuluka kwa mpaka ma ruble 15,000... Ngati mumalipira munthawi yake, mutha kuyembekeza kuti chiwonjezeko ndi kuchepa kwa chiwongola dzanja.

6. Kredito24

Chidwi amapereka ngongole mu ndalamazo mpaka ma ruble 30,000... Nthawi yobwezera ngongole yobwereka sichipitirira 30 masiku.

Kuti mupeze ngongole, mufunika foni yam'manja, chithunzi chapasipoti chapamwamba, komanso khadi yakubanki.

Mukamaliza kugwiritsa ntchito, muyenera kudikirira pafupifupi mphindi 15 Zosankha za wobwereketsa. Palibe chifukwa chobweretsera ndalama zilizonse, ndipo palibe chindapusa. Zochita zonse pakampani ndizotetezedwa ndi chitetezo chamakono.

7) Nthawi

Ma IFI Zimer amapereka kuti atenge mpaka ma ruble 30,000 kwakanthawi osaposa masiku 30... Kuti muchite izi, patsamba la kampaniyo, ndikwanira kuti muwonetse kuchuluka kofunikira, kutulutsa ndi kulowa pazambiri.

Robot ndi amene amayang'anira ntchito. Chifukwa chake, yankho siliyenera kudikirira nthawi yayitali - kuchuluka kwake 5 mphindi... Mutha kukhala wobwereka tsiku lililonse la sabata, nthawi iliyonse masana.

Pazosavuta kuwunika ndikufanizira omwe akubwereketsa, ngongole zazikulu zimaperekedwa pagome ili m'munsiyi.

Mabungwe akuluakulu obwereketsa ngongole ndi momwe angapangire ngongole zachangu:

№	Wokongoza	Kuchuluka, zikwi rubles	Voterani	Zojambulajambula
1	*Alfa Bank*	Mpaka 300 ndi kirediti kadi	23.99% pachaka	Chisankho choyambirira patsamba lino, kulandira khadi - ku dipatimenti
2	*Banki ya Tinkoff*	Mpaka 300	19.9% pachaka	Kulembetsa pasanathe mphindi zisanu, kutumiza khadi kunyumba kapena kuofesi
3	*VTB Bank of Moscow*	Mpaka 350	24.9% pachaka	Ntchitoyi imaperekedwa patsamba lino, ndikulandila khadi - kuofesi
4	*Wopereka ndalama*	Mpaka 70	1.85% tsiku lililonse	Ngongole yoyamba mpaka ma ruble zikwi 10
5	*Vivus*	Mpaka 15	1.1% tsiku lililonse	Mbiri ya mbiri yakale imayang'aniridwa
6	*Chidwi*	Mpaka 30	1.9% tsiku lililonse	Kulandila ku khadi yakubanki osachoka pakhomo
7	*Zimer*	30	1.9% tsiku lililonse	Lingaliro lapangidwa ndi loboti

5. Momwe mungalipire ngongole yachangu - njira zisanu zodziwika zotsekera ngongole mwachangu 💡

Pali zosankha zingapo pakubwezera ngongole. Wobwereka aliyense ali ndi ufulu wosankha njira yomwe akuwona kuti ndiyabwino kwambiri kwa iye.

Kufotokozedwa pansipa njira zobwezeraotchuka kwambiri.

Njira 1. Ndalama kuofesi ya wobwereketsa

Njira yolipirayi ili ndi maubwino angapo:

palibe Commission yosungitsa ndalama;
ndalama zimapita mwachindunji kwa wobwereketsa, chifukwa chake simuyenera kuzitsata.

Komabe, ngakhale pali zabwino zosatsimikizika, kubweza ngongole kuofesi ya kampaniyo kuli kuipa - uyenera kugwiritsa ntchito nthawi yako kuti ufike ku dipatimenti, ndipo mwina, kuyima pamzere.

Njira 2. Ndi khadi yakubanki

Popanga ndalama, khadi lililonse la kubanki... Koma pali chofunikira - malinga ndi momwe khadi limakhalira, liyenera kuloleza kubweza intaneti.

Njirayi ndi yabwino chifukwa njira yonseyi imagwiritsidwa ntchito ndi kompyuta yolumikizidwa ndi netiweki. Simuyenera kuchoka panyumba. Koma ziyenera kukumbukira kuti nthawi zambiri ndalama zimasamutsidwa ntchito.

Njira 3. Ndalama zamagetsi

Eni ake azikwama zanyumba amatha kulipira ndi chithandizo chawo. Mwachilengedwe, pankhaniyi, chikwama chimayenera kukhala ndi ndalama zokwanira kuchitira opaleshoniyo.

Ngati mulibe ndalama zolipirira, chikwama chimayenera kudzazidwanso, zomwe sizabwino kwenikweni.

Njira 4. Kudzera malo omalizira kulipira

Masiku ano, malo olipirira amapezeka kulikonse. Amaikidwa m'malo ambiri - m'malo ogulitsira, sitima zapansi panthaka, malo ogulitsira.

Kuti mupereke ndalama, mungafunike Zambiri za kampani yangongole, ndi kuchuluka kwa mgwirizano... Mukamawalowetsa pazenera, ndikofunikira kukhala osamala momwe zingathere, zolakwika zidzapangitsa kuti ndalama ziziyenera kufunidwa kwa nthawi yayitali.

Njira 5. Kudzera mu Russian Post

Ogwiritsa ntchito ambiri amaganiza kuti njirayi ndiyosavuta. Komabe, imagwiritsidwanso ntchito. Kuipa kolipira kudzera kuma positi sikuti mizere yayitali yokha, komanso ndiyofunika ntchito – 1-3%, ndi Kutumiza ndalama kwanthawi yayitali – mpaka masiku 10.

Chifukwa chake, pali njira zingapo zolipirira ngongole. Koma ndikofunikira kulingalira za nthawi yosamutsira ndalama komanso kupezeka kwa komiti. Sitiyenera kuiwala kuti kubweza ngongole mosayembekezereka kapena kosakwanira kudzatsogolera ku chilango ndipo chindapusa.

Malangizo ndi zidule 6 zothandiza kuti mupeze ngongole zachangu kuchokera kwa akatswiri

6. Malangizo othandiza mukamafunsira ngongole kwa oyamba kumene express

Musanatenge ngongole yanthawi yomweyo, muyenera kuganizira mozama. Chisankho chovomereza maudindo amenewa chikuyenera kuganiziridwa mosamala. Wobwereketsa akaganiza molakwika zakutha kwake, atha kukumana ndi mavuto akulu.

M'munsimu muli upangiri wa akatswiri, zomwe zithandizira anthu omwe asankha kupeza ngongole yachangu.

Langizo 1. Gwiritsani ntchito ngongole pompopompo pazovuta kwambiri

Chiwongola dzanja chachikulu chimakakamiza omwe akufuna kubwereka kuti awunike mosamala kuchuluka kwa ngongole yomwe akufuna. Ngati pali mwayi wobwereka ndalama kuchokera kwa okondedwa kapena kudikirira ndi yankho lavutoli mpaka mutalandira malipiro, simuyenera kupanga mgwirizano wongongole.

Ndikofunika kumvetsetsa, Simungagule zinthu zomwe sizofunikira kwenikweni ndi ndalama zomwe mudabwereka... Chisangalalo kuchokera pogula chitha posachedwa, ndipo ngongole yomwe ikufunika kulipira chiwongola dzanja idzatsalira.

Langizo 2. Kusankha wobwereketsa ayenera kukhala osamala momwe angathere

Pakusankha, magawo ochepa sayenera kukhala muyeso wokhawo. Ngongole zomwe ndizosiyana kwambiri ndi omwe akupikisana nazo zitha kuwonetsa kusakhulupirika kwa kampani. Mwanjira iyi, makasitomala amatha kukopeka, pomwe ndalama zidzawonjezeka chifukwa cha chobisika chindapusa ndipo sanatchulidwe mu pulogalamu ya ngongole malipiro.

Njira yabwino yopezera kampani yothandizana naye ndikuwunika upangiri wa akatswiri, kenako ndikuphunzira ndemanga za wobwereketsa pa intaneti.

Langizo 3. Ndikofunikira kuphunzira mosamalitsa mfundo za mgwirizano

Asanachitike kusaina pangano la ngongole (kuphatikizapo kudzera pa SMS) muyenera kuphunzira mosamala. Zigawo zonse zomwe zili mchikalatacho, zitatha kusaina, zizikhala zovomerezeka.

Makamaka muyenera kuphunzira mfundo zokhudza ngongole... Zithandizanso kuti mudzidziwe bwino nthawi yomweyo ndi mfundo zokhudza zotsatirazomwe zimachitika ndi zosakwanira kapena zosayembekezereka kukwaniritsa maudindo.

Langizo 4. Musapitirire kuchuluka kwa ngongole

Mukamachita ngongole, simungatenge zochulukirapo kuposa momwe zingafunikire, ngati zingasungidwe. Tiyenera kukumbukira kuti chiwongola dzanja chidzaperekedwa pa ngongole yonse.

Ndalama zambiri zitha kugwiritsidwa ntchito mopanda nzeru. Koma adzafunika kubwezeredwa mulimonsemo, komanso ndi chiwongola dzanja.

Langizo 5. Ndikofunikira kuwunika moyenera kuthekera kobweza ngongole

Musanalembe fomu yofunsira, muyenera kusanthula luso lanu lazachuma, lingalirani momwe mungabwezere ngongoleyo.

Ngati simukutsimikiza kuti mudzatha kubweza ngongoleyo panthawi, ndibwino kuti musabwereke. Kupanda kutero, zovuta zachuma zomwe sizingatheke zitha kukulirakulira.

Langizo 6. Mtengo wa ngongole uyenera kulingaliridwa musanalandire

Ndikofunikira kuti mumvetsetse nthawi yomweyo ngati wobwereketsayo ali wokonzeka kuti agwiritse ntchito ndalama zina kuti athe kugwiritsa ntchito ndalama pano ndi pano.

Obwereketsa ambiri amawonetsa kuchuluka kwa zolipira zochulukirapo patsamba latsamba lawo. Komabe, pakuwerengera, mutha kugwiritsa ntchito mwachizolowezi chowerengera ngongole.

Potsatira malangizo awa, mutha kukhala otsimikiza kuti ngongole idzadutsa popanda mavuto, ndipo ndalama zomwe mwalandira zidzakuthandizani, osati kukuyendetsani mu ukapolo wokulirapo.

7. Mafunso omwe amafunsidwa pafupipafupi (FAQ) pa ngongole zachangu 💬

Tili ndi chidwi ndi owerenga athu, chifukwa chake, kumapeto kwa bukuli timapereka mayankho pamafunso omwe nthawi zambiri amakhala pamutu womwe tikukambirana. Tikukhulupirira kuti zidziwitso zamasiku ano zikuthandizani kuti mupeze ngongole yolongosoka bwino kwambiri.

Funso 1. Kodi ndizotheka kupereka ngongole mwachangu ku khadi ya Sberbank pa intaneti popanda pasipoti?

Ndikofunikira kudziwa kuti popanda pasipoti sikungakhale kotheka kupeza ngongole kuofesi ya ngongole nthawi iliyonse. Chikalata chokhachi ndi chomwe chingatsimikizire kuti wobwerekayo ndi ndani.

Komabe, mukamafunsira ngongole pa intaneti kudzera pa MFO, simuyenera kupereka pasipoti, nthawi zambiri sikofunikira ngakhale kutsitsa sikani yake. Chofunikira kwambiri ndikulowetsa deta yolondola popanda zolakwika.

Wokongoza mokakamiza kugwiritsa ntchito nkhokwe zapadera, onetsetsani kuti pasipoti ndi yolondola. Pachifukwa ichi mutha kudalira chisankho chotsatira pempho.

Tsopano zokhudzana ndi kubweza ngongole mwachangu ku khadi ya Sberbank. Ngongole yomwe ili ndi ngongole siyimapereka chithandizo chachuma chotere.

Komabe, mutha kupereka ngongole ku khadi la banki iyi. Izi zitha kuchitika polumikizana ndi amodzi mwamabungwe azachuma omwe amapereka ngongole mwachangu popanda kukana.

Ma MFO ambiri amapereka ngongole zachangu mwachangu ku Sberbank khadi osawonetsa pasipoti, ngakhale ali ndi mbiri yoyipa yangongole

Ngongole yachangu ku khadi la Sberbank ili ndi zabwino zingapo:

sikofunikira kuti utenge ziphaso ndikupereka zikalata zonse kwa wobwereketsa, ndikwanira kuwonetsa zidziwitso za pasipoti mufunsoli;
palibe chifukwa choperekera chitetezo ngati chikole kapena ma guarantors;
kulingalira kwakanthawi kofunsira ndi kulandira ndalama;
mutha kutenga ngongole ngakhale mutakhala ndi mbiri yakale ya ngongole;
kuti mulandire ndalama, simuyenera kuchoka panyumba, ntchito yonseyi imachitika kudzera pa intaneti.

Funso 2. Kodi ndizotheka kupeza ngongole mwachangu pa khadi kapena ndalama ndi mbiri yoyipa ya ngongole (popanda cheke cha CI)?

Ambiri, omwe m'mbuyomu samalipira ngongole panthawi, amakumana ndi vuto lokana pazofunsira kubanki.

Komabe, mutha kupeza ndalama zomwe mukufuna. Pachifukwachi muyenera kulumikizana kwa mabungwe azachuma... Ambiri aiwo amapereka ngongole pafupifupi nthawi yomweyo komanso kuvomerezedwa ndi 100%, chifukwa chake mbiri ya mbiri ya ngongole (CI) siyimayang'anidwapo... Tsatanetsatane wazomwe mungapeze ngongole ndi mbiri yoyipa ya ngongole ndi ziphuphu zotseguka, komanso mabanki omwe samayang'ana CI ya obwereketsa awo, takambirana kale m'nkhaniyi.

Nthawi yochepetsera yocheperako imabweretsa ina makamaka... Ngakhale mutalandira chisankho cholakwika, mutha kutero nthawi yomweyo lembani fomu patsamba la kampani ina.

Kuphatikiza apo, lero pali mautumiki angapo apaintaneti omwe, mukawafunsira ngongole, amatumiza kuma MFO angapo. Wobwereka amayembekezera yankho, ndipo akalandira chisankho kuchokera kwa obwereketsa angapo, sankhani bungwe limodzi.

Funso 3. Kodi mungapeze bwanji ngongole ya Yandex Money mwachangu?

Nthawi zambiri, ogwiritsa ntchito ma wallet mu Yandex.Money system amafunafuna njira zowabwezeretsa, ndipo nthawi zambiri amafuna kuchita izi ndi ngongole. Chifukwa chake, ndikofunikira kudziwa momwe mungapezere ngongole mu ndalamayi.

Njira zoperekera ngongole mwachangu ku Yandex.Money

Tili mkati WebMoney mwapadera kuchuluka kwa ngongolewokondedwa ndi ogwiritsa ntchito, Yandex sapereka chilichonse chamtunduwu. Chifukwa chake, obwereketsa achinyengo samaika pachiwopsezo chilichonse. Njira iyi idapangitsa kuti anthu ochepa amavomereza kuti atenge ngongole ku Yandex Money.

Komabe, mwayi wopeza ndalama pangongole ulipobe. Ena ogwiritsa ntchito intaneti amapereka pemphani ngongole kudzera munjira zina zolipirira – WebMoney kapena kiwi... Ndiye ndalamazi zimasandulika ndalama za Yandex mothandizidwa ndi osinthitsa apadera. Njira yotereyi, ilipo, koma ndiyokwera mtengo kwambiri.

Tiyenera kukumbukira kuti kutembenuka kwa ndalama zamagetsi ndikokwanira ntchito yayikulu... Izi zimabweretsa kuwonjezeka kwakukulu pamtengo wa ngongole.

Palinso njira zina zopindulitsa kwambiri kuti mupeze ngongole:

NdalamaMan imapereka ngongole kwa eni eni ma wallet a Yandex. Nthawi yomweyo, mutha kupeza nthawi yomweyo mpaka ma ruble 30,000... Kwa nthawi yoyamba, ngongole imaperekedwa kuyatsa 10 000 Ma ruble, Mukamalipira bwino, mutha kuyembekezera kuwonjezeka kwa malire.
Muthanso kubwereka ndalama kudzera pa Platiza service... Kuti muchite izi, mutha kugwiritsa ntchito imodzi mwanjira ziwiri zomwe zilipo. Choyamba, mutha kulowa ku Platiza pogwiritsa ntchito Yandex yanu. Njira yachiwiri ndikusankha "Pamwamba" pazosankha mu Yandex Money service ndikudina "Kutumiza kuchokera ku ntchito ina". Pamndandanda womwe ukuwonekera, pezani Mabungwe azachuma.
Banki ya Tinkoff amapereka kuyitanitsa khadi yapadera kwa eni a Yandex. Amamangiriridwa mosavuta pachikwama ndipo amakulolani kuti mulandire ma microloans mosavuta munthawi yamagetsi. Nthawi yopangira khadi lotere ndi pafupi masabata awiri, mtengo wotsika - osaposa 200 ruble.
Ngati palibe zomwe mwasankha pazifukwa zilizonse, mutha kugwiritsa ntchito ngongole yachinsinsi. Lero pa intaneti pali zotsatsa zambiri kuchokera kwa omwe amagulitsa ndalama zawo omwe akufuna kukonza ngongole, kuphatikiza Yandex Money. Tiyenera kumvetsetsa kuti chiwongola dzanja cha ngongole zotere ndichokwera kwambiri. Ndikofunikanso kukumbukira kuthekera chinyengo ndipo mulibe kulipiratu pasadakhale.

Chifukwa chake, pali njira zingapo zobwerekera ndalama mu Yandex. Ndikofunika kusankha kokwanira kwambiri.

Funso 4. Kodi mungatani kuti mupeze ngongole yachangu pa khadi la Kukuruza?

Lero ndikosavuta kupeza ngongole pakhadi la pulasitiki. Mbali inayi, pali mwayi wochita izi osachoka panyumba, komano, ndizosavuta kugwiritsa ntchito ndalama zomwe mwalandira pankhaniyi. Mutha kulipira ndi khadi popanda kutumizidwa m'masitolo, wobwereka ali ndi ufulu kutulutsa ndalama nthawi iliyonse pamalo abwino.

Mwa njira, pazifukwa izi sikofunikira kuti mukhale mwini wa khadi la pulasitiki ku banki yaku Russia, nthawi zambiri imakhala pafupi kwambiri salon yolumikizirana Euroset... M'menemo mutha kukonza chosiyana pulasitiki Khadi Chimanga.

Pezani mapu a Chimanga angathe aliyense amene watembenuka Zaka 18... Izi zitha kuchitika mu mphindi 5 ku Euroset. Alipo Zosankha za mapu 2: madebiti ndi kirediti kadi. Malire obwereketsa kwachiwiri amatsimikizika potengera pempholo.

Zikupezeka kuti sizingatheke kupereka ngongole atangopereka khadi. Mulimonsemo, muyenera kuyembekezera chisankho cha kampani yolumikizirana kapena makampani azachuma.

Ngongole zachangu ku khadi ya Kukuruza kudzera pa intaneti (pa intaneti) - mwachidule cha MFI

Kukuruza imagwira ntchito ndi makhadi 2 makampani - MigCredit ndipo Mili... Kuti mupeze ngongole, muyenera chikalata chimodzi - pasipoti, chigamulo cha pempholi chapangidwa pafupifupi nthawi 15 mphindi.

Pofuna kuyerekezera momwe ngongole zilili m'mabungwewa, zimaperekedwa patebulo pansipa.

Ma MFO ndi momwe angapangire ngongole mwachangu ku khadi ya Kukuruza:

Dzina la wobwereketsa	Kuchuluka kwa ngongole	Voterani	Ngongole yayitali	Zikalata zolembetsa	Zaka zobwereka
*MigCredit*	Kuyambira 5 mpaka 20 zikwi	1.6% tsiku lililonse	Masiku 28-168	Pasipoti ndi chiphaso chachiwiri	Kuyambira zaka 21
*Mili*	2-12 zikwi rubles	2% tsiku lililonse	Masiku 3-30	Pasipoti	Kuyambira zaka 18

Mu MFIs Mili pali njira yolembetsera komanso chizindikiritso chosavuta. Kugwiritsa ntchito, ndikwanira lowetsani kugwiritsa ntchito malo ochezera a pa Intaneti.

Komabe, tsamba lenileni liyenera kuwonetsedwa, apo ayi ntchitoyo ikanakanidwa. Kuphatikiza apo, ndikofunikira kuwonetsetsa kuti tsambalo lilibe zolakwika kapena zosayenera. Zambiri zoterezi zitha kuwonetsa zopanda pake komanso zosadalirika za wobwereka.

Kumbali imodzi, mkati MigCredit Mutha kulembetsa ngongole kudzera pa intaneti. Chifukwa chake, zikuwoneka kuti nzika zokhala mdera lililonse zitha kulandiranso ngongole. Komabe, mungafunikire kulumikizana ndi salon ya Euroset ya khadi la Kukuruz. Chifukwa chake, ndikofunikira kuti mupemphe ngongole kwa iwo okha omwe ali ndi mwayi wopita kubungweli.

Mukalandira ngongole pa khadi ya Kukuruz, muyenera kukumbukira kuti muyenera kubweza mwachangu kwambiri. Komanso, mu MigCredit uyenera kulipira osachepera kamodzi pamasabata awiri... Mukabweza ngongoleyo mukangobweza kumene, ndiye kuti mulipira ndalama zochepa. Poganizira kuti chiwongola dzanja pa ngongole zazing'ono chimawerengedwa tsiku lililonse, upangiri pobweza ngongole mwachangu kwambiri pamgwirizanowu umakhala wogwirizana kwambiri.

Tiyenera kukumbukira kuti omwe amapereka ngongole amapereka makasitomala abwino omwe amabweza ngongole zawo pafupipafupi mikhalidwe yokhulupirika kwambiri... Chifukwa chake, ndikofunikira kuchepa kwa chiwongola dzanja.

Ndikosavuta kupeza ngongole ya khadi ya Kukuruza: Ndikokwanira kutumiza pulogalamu kudzera pa intaneti... Poterepa, khadiyo iyenera kukhala mwadzina, ndiye kuti, muyenera kuwonetsetsa kuti dzina ndi dzina la omwe akukhala zimasindikizidwa kutsogolo kwake.

Ndikofunika kudziwa, omwe alibe Khadi la Chimanga komabe atha kulembetsa. Atalandira chisankho chabwino, mutha kupita ku Euroset kuti mupeze khadi. Poterepa, idatulutsidwa koyamba pulasitiki wosatchulidwe dzina... Pogwiritsa ntchito zomwe mwiniwakeyo adalemba, khadiyo imaperekedwa m'masabata angapo.

Posankha kubwereka ndalama pa khadi ya Kukuruz, ndikofunikira kumvetsetsa kuti pali kusiyana kotani pakati pa microloan ndi kirediti kadi:

Kugwiritsa ntchito kirediti kadi amatenga ngongole yozungulira. Ndiye kuti, mutalipira ngongole yonse kapena gawo lonse la ngongoleyo, mutha kugwiritsanso ntchito ndalamazo pamalire a ngongole. Chifukwa chake, chiwongola dzanja chimangoperekedwa pamlingo womwe wobwereketsa ali ndi ngongole ndi wobwereketsa pakadali pano.
Microloan idzaperekedwa nthawi yomweyo pamtengo wonsewo, iyeneranso kubwezedwa nthawi yomweyo kapena kulipidwa. Tidayankhula kale za komwe ma microloan amaperekedwa pa intaneti ndi khadi popanda kukana komanso osatsimikizika pomwepo m'magazini yomaliza.

Mwa njira, za njira zolipira, pali zingapo za izo.

Mutha kukwaniritsa zomwe mwalandira pangano la ngongole pogwiritsa ntchito njira izi:

kugwiritsa ntchito malo olipilira omwe ali m'malo ogulitsira a Euroset;
kudzera mu cashier wa Euroset;
ku banki iliyonse yamalonda.

Funso 5.Kodi ngongole zachangu / zachangu kwa ophunzira ndi opuma pantchito zimapereka makadi paintaneti?

Mabungwe ambiri obwereketsa ngongole amaganizira opuma pantchito ndipo ophunzira nzika zosowa pachuma... Kupatula okhawo ndi omwe amagwira ntchito. Koma nzika zotere ndizochepa. Chifukwa chake, kwa opuma pantchito komanso ophunzira, ngongole kubanki imatsalira chosatheka... Makampani oterewa samaganizira komwe angapeze ndalama.

Pakadali pano, magulu awa a nzika nthawi zambiri amafunikira ndalama zowonjezera, chifukwa alibe ndalama zokwanira kugula kwambiri. Komabe, njira yothanirana ndi mavuto azachuma pano ndiosavuta - mutha kuyesa kubwereka ndalama bungwe lazachuma ku khadi la kubanki kudzera pa intaneti.

Ngongole zachangu komanso zachangu kwa ophunzira ndi opuma pantchito ku khadi yakubanki yapaintaneti popanda kukana ali okonzeka kupereka mabungwe azachuma

Kukongoza ngongole mu MFOs kumasiyanitsidwa ndi kukhulupirika kwa obwereketsa. Ophunzira ndipo opuma pantchito Palibe chitetezo chofunikira - ngakhale chikole kapena chikole. Mabungwe azachuma saganizira za kupezeka komanso mbiri yabwino ya ngongole.

Komabe, opuma pantchito komanso ophunzira omwe asankha kulembetsa ku MFI ayenera kudziwa kuti kulipira kwa kukhulupirika kwamakampani kwa iwo ndik chiwongola dzanja chowonjezeka... Imafikira magawo angapo patsiku.

Masiku ano, mabungwe ambiri azachuma amagwiritsa ntchito msika wazachuma waku Russia. Ndikofunika kusankha pakati pawo omwe amagwira ntchito ndi ophunzira komanso omwe adapuma pantchito. Zitsanzo za ma MFIs otere ndi awa Zimer, NdalamaMan, MyZaim, E Kabichi.

Funso 6. Kodi ngongole zachangu zimaperekedwa bwanji kudzera munjira yothandizira ndalama?

Ngati akufuna, wobwereka ali ndi ufulu wolandila ndalama zobwerekera Lumikizanani ndi matanthauzidwe... Mulimonsemo, kubwereketsa kumayambira ndi njira zakulembera kubungwe lazachuma.

Kuti mutenge ngongole, muyenera kutsatira izi:

sankhani wobwereketsa ndi pulogalamu yobwereka;
kulembetsa pa tsamba la MFO yosankhidwa, pangani akaunti yanu;
lembani ntchitoyo mwa kulowa deta yanu. Ndikofunika kukhala omvetsera mwachidwi komanso moona mtima momwe zingathere;
posankha njira yopezera ndalama zobwerekedwa, muyenera kuwonetsa zosamutsa ndalama Lumikizanani;
tumizani fomu yofunsira;
dikirani lingaliro la wobwereketsayo.

Ndikofunika kumvetsetsakuti si mabungwe onse azachuma omwe amalola kusankha njira zosinthanitsa ndi njira yolandirira. Chifukwa chake, ndikofunikira kuti muziwerenga kaye musanatumizire fomu ndikusankha kampani yomwe ikupatsani mwayiwu.

Muyeneranso kuyendera tsamba lawebusayiti kuti muwonetsetse kuti pali mfundo zopezera ndalama mumzinda wokhala wobwereketsa motere.

Muyenera kuyembekezera yankho kuchokera kwa wobwereketsayo kuyambira mphindi zingapo mpaka maola angapo... Zimangotengera momwe MFI imayang'anitsitsa wobwereka.

Ngati chisankhocho chili chovomerezeka, wobwereketsayo apereka ndalama, kuchuluka kwake kudzatumizidwa mu uthenga wa SMS. Ndi izi kachidindo ndipo pasipoti Muyenera kulumikizana ndi omwe akutulutsa ndikulandila ndalama.

8.Kumaliza + mafunso kwa owerenga 🔔

Chifukwa chake, ndikosavuta kuthana ndi vuto lazachuma kwakanthawi lero. Ndikokwanira kulembetsa ngongole kubungwe lazachuma. Komabe, ndikofunikira kukumbukira kuti microcredit itha kugwiritsidwa ntchito kokha nthawi zomwe sizingatheke popanda ndalama zobwerekedwa.

Kuphatikiza apo, muyenera kukhala otsimikiza kuti ngongole ibwezedwa mwachangu kwambiri. Musaiwale za chiwongola dzanja chambiri, chomwe, ngati nthawi yobwezera yachedwa, itsogolera kubweza kwakukulu.

Timalimbikitsanso kuwonera kanema wonena za ngongole mwachangu:

Ndi kanema wamomwe mungapezere ngongole mwachangu mwachangu:

Mafunso kwa owerenga!

Kodi mudakhalapo ndi milandu pomwe mudapempha mabungwe angongole kuti mupatsidwe ngongole yolongosoka? Munakwanitsa bwanji kupeza ndalama mwachangu?

Tikulakalaka owerenga magazini a pa intaneti a Ideas for Life kukhala bwino kwachuma, komanso kuti nthawi zomwe muyenera kubwereka ndalama zichitike kawirikawiri.

Tidzakhala othokoza ngati mutagawana malingaliro anu ndi ndemanga mu ndemanga pansipa. Mpaka nthawi yotsatira patsamba la magazini athu!

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