Kubwezeretsanso ngongole - ndi chiyani ndipo ndi motani momwe ndalama zoperekera ndalama kumabanki ena zimaperekera + zabwino kwambiri za 2020

Send

Moni okondedwa owerenga magazini a Ideas for Life! Lero tikambirana zakubwezeretsanso ngongole (kuyambiranso ndalama), momwe tingachitire moyenera, ndi mabanki ati omwe akuchita ndalama zolipirira mabanki ena (zopereka zabwino mu 2020 zimaperekedwa mgawo lomwe likugwirizana).

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

Mukamaliza kuwerenga nkhaniyi kuyambira koyambirira mpaka kumapeto, muphunziranso:

Zomwe ngongole zimatha kukonzanso;
Kodi ndizopindulitsa kuyambiranso ngongole ya ogula;
Ndi zifukwa ziti zomwe mabanki amakana kukonzanso ndalama.

Kumapeto kwa nkhaniyi, mwachizolowezi timayankha mafunso omwe amafunsidwa pafupipafupi pamutu womwe akufunsidwa.

Chofalitsidwachi chikuyenera kuphunzira osati kwa iwo okha omwe akufuna kukonzanso ngongole posachedwa. Zomwe zili m'nkhaniyi zithandizira aliyense amene akufuna kuwonjezera mulingo kuwerenga ndalama... Chifukwa chake, musataye nthawi, yambani kuwerenga pompano!

Kodi kubweza ngongole (kubwereketsa) ngongole ndi momwe mungakonzekere, komanso komwe mungakonzenso ngongole kubanki ina - m'magazini yathu yatsopano

1. Kuyambiranso ngongole ndi chiyani - kuwunikira mwachidule lingaliro losavuta 📋

Nthawi «kuwonjezeranso ndalama " wopangidwa kuchokera 2-x mawu:re – kubwereza, ndalama– Kupereka ndalama pamtengo wobwezeredwa kapena waulere.

Kodi kubweza ngongole kumatanthauzanji?

Kubwezeretsanso ngongole - uku ndiko kulembetsa ngongole yatsopano, kuti tibweze zomwe zilipo pakali pano kwa wobwereka.
Njirayi imatchedwanso pobwereketsa... Mwachidule, kuyambiranso ndalama ndikupeza ngongole yatsopano kuti mulipire yakale.

Kuchokera pakuwona kwalamulo, ngongole yomwe imaperekedwa pobwereketsa imayang'aniridwa. Izi ndichifukwa choti mgwirizanowu umawonetsa kuti ndalama zomwe zaperekedwa zimayang'aniridwa kuti zibweze ngongole yomwe wina wabweza.

Nthawi zambiri refinancing cholinga ↓ kuchepetsa chiwongola dzanja. Nthawi zambiri, izi zimachitika ndi iwo omwe adatenga ngongole kalekale.

Tiyeni tipereke chitsanzo: Wobwereka mkati 2013 chaka adapereka ngongole ya ndalama zambiri pamtengo 25% pachaka. AT 2020 chaka banki ina idamupatsa ngongole ku 12%... Nthawi yomweyo, mpaka kumapeto kwa zolipiritsa zomwe zilipo, pali zina 6 zaka.

Wobwereka asankha kukonzanso. Izi zimamuthandiza kwambiri kuchepetsa⇓ kuchuluka kwa zolipira pamwezi ndipo, moyenera, chofunikiramalipiro ochulukirapo pa ngongole.

2. Ndi ngongole ziti zomwe refinancing ndiyotheka? 📑

Mpikisano pamsika wobwereketsa uli pamlingo wapamwamba kwambiri masiku ano. Zotsatira zake, mabanki amakakamizidwa kumenyera wina ndi mnzake kasitomala aliyense. Izi mosakayikira zimabweretsa magwiridwe abwinonso.

Lero, gawo lamabanki limadziwika ndi zosintha izi:

kuchepetsa ↓ chiwongola dzanja;
kuphweka kwa njira yobwezera ngongole yomwe yapezekanso (banki imasamutsa ndalama zake kuti izilipire);
↑ awonjezere ndalama zomwe akubwereke;
kusinthitsa zofunikira zamabanki poyerekeza ndi makasitomala.

Mabanki amakono amalola wobwereka kuti ayambitsenso mitundu ingapo ya ngongole:

ngongole zanyumba;
makhadi;
ngongole pamakadi obweza ngati mawonekedwe owonjezera;
ngongole za ogula;
ngongole zagalimoto.

Kuthekanso kobwezeretsanso ngongole iyi kapena yamtunduwu kumatsimikiziridwa ndi banki iliyonse payokha. Chifukwa chake, musanatumize fomu yofunsira, muyenera kudzidziwitsa bwino zomwe akufuna kuchita.

Nthawi yomwe mutha kubweza ngongole yomwe yatengedwa kuti mumuthandizenso ndalama imatsimikiziridwa makamaka ndi mtundu wa ngongole zomwe zimabwezedwa mothandizidwa.

📝 Mwachitsanzo, ngati ngongole yanyumba yawonjezeka, mutha kudalira nthawi yomwe mungabwereke 30 zaka. Ngati kukonzanso ndalama kumachitikangongole ya ogula kapena Ngongole yamagalimoto - nthawi yakukhwima nthawi zambiri siyidutsa 5-10 zaka.

Nthawi zambiri, kubweza ndalama kumalola wobwereka kuti alandire zabwino zingapo:

kusintha kwa ngongole - kuchepa ↓ pamlingo, kuchepa ↓ kwa zolipira pamwezi ndikuwonjezera ↑ nthawi yolipira.
kusintha kwa ndalama za ngongole;
kuphatikiza ngongole zingapo kukhala ngongole imodzi pofuna kuchepetsa malipiro;
kuchotsa katundu ku chitetezo - ngongole yobwereketsa galimoto kapena ngongole yanyumba itha kuchirikizidwa popanda kupereka chitetezo.

❗ Koma kumbukirani kuti kubwereketsa sikungatheke ngati mgwirizano wapano uli ndi mawu oti kuletsa kubweza msanga.

Ngati mukufuna kugwira kukonzanso ndalama, ndikofunikira kulingalira kuti kwadutsa nthawi yayitali bwanji kuchokera pamene refinancing yomaliza. Mabanki ena amakana kupereka pangano latsopano ngati ngongole yangongoleka kale.

Komanso, obwereketsa amatha kukhazikitsa malire pa nthawi yomwe yadutsa kuyambira kukonzanso ndalama. Nthawi zambiri, muyenera kudikira osachepera 12 miyezi.

3. Kodi kuyambiranso (kuyambiranso) ngongole ya ogula ndiyopindulitsa? 📈

Kubwereketsa ndalama kwa ogula kwakhala kukufunika kwambiri posachedwa. Zifukwa zabodzazi zokhoza kukwaniritsa zolinga zosiyanasiyana popanda kufunika kudziunjikira, Mwachitsanzo, kugula galimoto kapena malo, kukumana ndi zosowa zapakhomo.

M'malo opikisana kwambiri, mabanki akupanga magawo obwereketsa omwe ndi osiyana kwambiri. Ena obwereketsa amakopa makasitomala ndi zotsatsa zabwino, ena - kuphweka kwa kapangidwe. Ndipo nthawi zambiri obwereketsa, atalandira ngongole, amazindikira kuti zidakhala zopanda phindu. Zikatere, funso limakhala pakuchita kuyambiranso ndalama.

✍ Zindikirani!
Tisanavomereze kulipira ndalama, ndikofunikira kutsimikiza kuti njirayi idzapindulitsadi. Kuti muchite izi, ndikwanira kuwerengera kuchuluka kwa zolipira kwambiri ngongole yatsopano ndi zomwe zilipo kale ndikuzifanizira. Ndikofunika kulingalira osati kokha chiwongola dzanjakomanso zosiyana ntchito ndipo ndalama za inshuwaransi (ngati alipo).

Ngati pakuwerengera ziwonekeratu kuti kubweza ndalama kumabweretsa ndalama, muyenera kulingalira kukula kwake. Ngati ndalamazo zikuwoneka kuti ndizofunika, palibe chifukwa chowonongera nthawi, ndibwino kuti muyambe ndondomekoyi posachedwa.

Magawo akulu obwezeretsanso ngongole

4. Momwe mungabwezeretsere ngongole yapa chiwongola dzanja chotsika - magawo asanu abwezeretsedwe 📝

Chifukwa chake, ngati lingaliro lapangidwa kuti ayambitsenso ngongole yomwe ilipo, ndiye kuti ndikofunikira kuzichita mwachangu, momveka bwino komanso mopindulitsa. Pachifukwa ichi, akatswiri amalimbikitsa kugwiritsa ntchito malangizo ndikufotokozera mwatsatanetsatane gawo lililonse la njirayi.

Gawo 1. Kuyankhulana ndi wobwereketsa omwe alipo

Mbali imodzi, lamuloli silikakamiza wobwereka kuti adziwitse wobwereketsa za cholinga chobwezeretsanso ndalama. Komabe, akatswiri amalimbikitsa kuchita izi.

Mabanki nthawi zambiri safuna kutulutsa obwereka enieni. Pofuna kuwalepheretsa kukonzanso ku banki ina, atha kufunsa kuti asinthe magwiridwe antchito. Poterepa, wobwereka Osati kokha adzalipira ngongoleyo pazabwino, komanso adzagwiritsa ntchito njirayi mosavuta komanso mwachangu.

Gawo 2. Kusankha banki

Ngati, komabe, banki yomwe ngongole yapano ikupita sikupita kumsonkhanowo, muyenera kukonzanso ndalama ku bungwe lina la ngongole. Akatswiri amalimbikitsa kuti asankhe mosankha mosamala momwe angathere.

Choyamba, muyenera kufananizira zomwe mabanki angapo ogulitsa amapereka. Muyenera kuphunzira zambiri patsamba lawo, kuwunika pa intaneti pamasamba apadera ndi mabwalo. Ngati palibe nthawi ndi chikhumbo chodzisankhira wobwereketsa, adzawathandiza ntchito zapadera poyerekeza, ndi mavotiyokonzedwa nthawi zonse ndi akatswiri.

Banki ikasankhidwa kuti ipatsenso ndalama, ndikofunikira kuti muwerenge mosamala zolemba zonse zokhudzana ndi kubweza ndalama zomwe zatumizidwa patsamba lake, kuphatikiza:

msonkho;
kupezeka kwa zinthu zolepheretsa;
mndandanda wa zikalata zofunika.

Ngati muli ndi mafunso, muyenera kupeza mayankho ake polumikizana ndi ogwira ntchito kubanki poyimbira foni kapena kudzera pa intaneti... Pokhapokha ngati zonse za ndondomekoyi zikuwonekeratu, mutha kupita patsogolo ndikulembetsa kwa ndalama.

Gawo 3. Kulembetsa ndikupereka fomu yofunsira kuyambiranso ngongole ya ngongole

Kufunsira kukonzanso ndalama kuwonjezera ziganizo phukusi la zikalata liyenera kuperekedwa ku banki. Wobwereketsa aliyense amapanga mndandandawu pawokha, koma pali zikalata zingapo zomwe zimafunikira nthawi zonse.

Ndizolemba ziti zofunika kukonzanso ngongole

Zolemba zazikulu zakubwezeretsanso ngongole ndi monga:

pasipoti ya nzika ya Russian Federation;
satifiketi ya malipiro (2-NDFL kapena ngati banki);
buku la ntchito lotsimikizidwa ndi wolemba ntchito;
zikalata pa ngongole yovomerezeka - mgwirizano ndi ndandanda yoperekera ndalama pamwezi;
satifiketi ya ngongole yonse;
Zambiri zosamutsira ndalama kuti mulipire ngongole yovomerezeka.

Nthawi zina, mungafunenso zolemba zina, Mwachitsanzo, ma risiti olipira ngongole yapano.

Gawo 4. Kulingalira za ntchito

Pambuyo pofunsira ndikupereka zikalata, banki imawunikiranso. Popeza kuyambiranso ndalama, kwenikweni, ndi ngongole yatsopano, nthawi yomwe ingaganizidwe nthawi zambiri siyimasiyana ndi yomwe imakhazikitsidwa mitundu ina ya ngongole.

Pafupifupi, kulingalira kwa mapulogalamu kumatenga Masiku 5-10... Koma potengera kuchepa kwaposachedwa ↓ chiwongola dzanja chapakati pa ngongole, kuchuluka kwa ntchito zofunsiranso ndalama zawonjezeka kwambiri⇑. Izi zitha kubweretsa kuwonjezeka kwa nthawi yolingalira m'mabanki otchuka.

Gawo 5. Kutsiliza mgwirizano

Ngati, pomaliza ndondomeko yowunikirayo, banki ipanga chisankho chovomerezeka, gawo lomaliza komanso lofunikira kwambiri liyamba - kumaliza mgwirizano.

☝ Zachidziwikire, aliyense amadziwa, koma sizingakhale zovuta kuti tinenenso - osasaina pangano osafufuza bwinobwino.

Mukamawerenga mgwirizano, choyamba, mverani izi:

kukula kwa chiwongola dzanja;
mtengo wathunthu wa ngongole yomwe adalandira;
ndondomeko yogwiritsira ntchito ndi kuchuluka kwa zilango;
zikhalidwe za kubweza msanga;
kodi kusintha pamgwirizano wamgwirizanowu kungachitike mosagwirizana?

Mukamaphunzira za mgwirizano, ndikofunikira kukhala atcheru kuyambira koyambirira mpaka kumapeto, phunzirani mosamala magawo onse. Ngati mavuto abuka ndipo onse awiriwa apita kukhothi, chigamulochi chidzaperekedwa potsatira mgwirizano womwe wasainidwa.

Mwa njira iyi, Kubwezeretsanso ngongole sikovuta monga momwe anthu ambiri amaganizira. Ngati mutsatira mosamalitsa malangizo omwe aperekedwa, mudzatha kupewa zovuta zambiri ndipo kukonzanso bwino ku banki ina pamtengo wotsika.

5. Mungapeze kuti ndalama zochotseredwa kumabanki ena - zopereka zabwino kwambiri chaka chino 📄

Ntchito zothandizira ndalama zimaperekedwa ndi mabanki ambiri aku Russia. Komabe, malingaliro ndi zofunikira za obwereketsa osiyanasiyana ndizosiyana kwambiri. Mutha kusankha njira yabwino kwambiri pofufuza ndikuyerekeza momwe mabanki angapo alili. Taganizirani pansipa mabanki abwino kwambiri omwe amapereka ngongole kwa anthu payekha. anthu.

🏦 Ndi mabanki ati omwe akuchita ndalama zowonongera anthu ena - mwachidule mabanki a TOP-3

Kuti tichepetse ntchito yosankha wobwereketsa, timapereka malongosoledwe 3 mabanki okhala ndi mawu abwino okhalanso ndi ndalama.

1) VTB Bank yaku Moscow

VTB Bank of Moscow ndi gawo la gulu lazachuma la VTB ndipo akuchita nawo ntchito zogulitsa. Maziko a ntchito za dipatimentiyi ndi kuthandiza anthu.

Chifukwa chakukula kwakubwereka kwa banki, banki yakhazikitsa yoyenera pulogalamu yobwezeretsanso ngongole... Kugwiritsa ntchito ngongoleyi ku VTB Bank of Moscow kumakuthandizani kuti muchepetse ngongole yobwereketsa reducing pochepetsa ndalama.

Malinga ndi pulogalamu ya refinancing, kuchuluka pano kumayikidwa payekha ndipo kumatha kukhala osiyanasiyana kuchokera ku 11% mpaka 17% pachaka... Nthawi yomweyo, zinthu zapadera zimaperekedwa kwa ogwira ntchito zamankhwala kapena maphunziro, ogwira ntchito zaboma, komanso omwe amalandila malipiro.

2) Interprombank

Kuthamangitsa - bungwe lazachuma ku Moscow lomwe lidakhazikitsidwa ku 1995 chaka. Banki yoperekedwa ndi kampani yapadziko lonse lapansi ndipo imapatsa makasitomala ake ntchito zosiyanasiyana zamabanki.

Kubwereketsa kwa anthu ndikofunikira kwambiri kubanki. Ndicho chifukwa chake chidwi chachikulu chidaperekedwa pakupanga pulogalamu yothandizanso kubweza ngongole kubungwe la ngongole.

Kumasula ku bank kumalola makasitomala kuphatikiza ngongole zopanda malire. Chofunikira pakadali pano ndikuti ndalama zonse pamgwirizanowu ziyenera kukhala osapitirira ma ruble 1,000,000... Mtengo wayikidwira kuchokera12% pachaka, ndipo palibe ma komisheni ena ndi inshuwaransi.

Mutha kulembetsa kuti muganizireni koyambirira pansi pa pulogalamu ya kubweza ndalama patsamba la banki. Zimaperekanso mwayi wowerengera magawo azomwe ngongole ikuperekedwa.

3) Sovcombank

Lero mu Sovcombank mapulogalamu ochuluka a ngongole amagwira ntchito. Amakulolani kuti mupeze ngongole ya ndalamazo kuchokera 5 000 kale 30 000 000 Ma ruble... Poterepa, kubetcha kumayamba kuchokera 12% pachaka.

Palibe pulogalamu yapadera yochotsera ngongole zomwe zidalipo ku Sovcombank panthawi yolemba. Komabe, pali lingaliro lina losangalatsa kwa nzika zomwe zikukumana ndi zovuta, zotchedwa "Doctor Doctor"... Ngongoleyi idapangidwa kuti ikwaniritse mbiri yanu yangongole.

Kuti zikhale zosavuta kuyerekeza zomwe tafotokozazi, taphatikiza zomwe zikupezeka pagome ili pansipa.

Tebulo: "Mabanki TOP-3 omwe ali ndi zikhalidwe zabwino pakubwereketsa kwa anthu"

Kuyendetsa ngongole	Ndi ngongole zingati zomwe zitha kuphatikizidwa	Kuchuluka kwa ngongole	Ngongole	Voterani
VTB Bank of Moscow	Mpaka ngongole za 6 ndi ma kirediti kadi	Kuchokera ku ruble 100 zikwi mpaka 5 miliyoni	Kwa olipira ndi makasitomala amakampani - mpaka zaka 7, kwa ena onse - mpaka zaka 5	Ngati ngongoleyo ili mpaka ma ruble 500,000, kuyambira 12 mpaka 16% pachaka Ndi ndalama zochokera ku 500 zikwi mpaka 5 miliyoni - 12% pachaka
Kuthamangitsa	Ngongole zilizonse zomwe zimatha kulandira gawo la ndalamazo ndalama	Mpaka ma ruble 1 miliyoni	Kuyambira theka la chaka mpaka zaka 7	Kuchokera ku 12% pachaka
Sovcombank	Pakadali pano, kuperekanso ndalama sikuperekedwa, pulogalamu ya Doctor Loan ikugwira ntchito	4 999 kapena 9 999 rubles	3 mpaka 9 miyezi	33.3% pachaka

* Kuti mumve zambiri zakubweza ndalama zomwe mabanki ena adalandira, onani tsamba lovomerezeka la mabungwe obwereketsa ndalama.

6. Zomwe muyenera kulingalira musanakonzenso ku banki ina - mfundo zisanu zofunika

Anthu ambiri amaganiza kuti posankha banki ndikuwunikiranso bwino momwe ndalama zimaperekedwere, ndalama zimatha. Koma akatswiri amalangiza kutenga nthawi yanu ndi kapangidwe kake. Kuti muyambirenso kukhala opindulitsa momwe mungathere, muyenera kuyang'aniranso pamfundo zingapo zofunika.

[1] Kulipira kwakukulu

Kwa ambiri, zambiri zokhudzana ndi chiwongola dzanja sizongotanthauzira.Chifukwa chake, akatswiri amalangiza kuti apange zonse mawerengedwe a kuchuluka kwa zolipira mopitirira mu ma ruble... Simusowa kukhala ndi chidziwitso chachuma kuti muchite izi. Ndikokwanira kugwiritsa ntchito chowerengera chapadera.

Pali mapulogalamu ambiri masiku ano owerengera pa intaneti. Chofunika cha zomwe akuchita ndichofanana. Ndikokwanira kufotokoza ndalama, nthawi ndipo mlingo pa ngongole yomwe yaperekedwa kuti mudziwe zomwe malipiro ochulukirapo ndipo kulipira mwezi uliwonse.

☝ Akatswiri amalangiza sindikizani graph yomwe ikutsatirayo. Itha kufananizidwa ndi yomwe idalumikizidwa pangano la ngongole.

Ngati zotsatira za kuwerengera kwa banki ndi calculator zikusiyana kwambiri, muyenera kufunsa akatswiri kuti izi zikugwirizana bwanji. Zochita zoterezi zimathandizira kumvetsetsa ngati kulipira kwathunthu kwa ngongole yomwe ikuperekedwa sikuphatikizidwa chobisika chindapusa.

[2] Malipiro ndi kuchuluka kwa chindapusa

Pofunsira ngongole, obwerekera nthawi zambiri amakhala ndi chidaliro mu kuthekera kwawo ndipo amaganiza kuti sangakhale opulupudza. Tsoka ilo, palibe amene sangatengeke ndi mavuto azachuma kapena zochitika zosayembekezereka.

Not Kuti tisadabwe ndi kuchedwa kosayembekezereka, ndikofunikira kuti muwerenge mosamalitsa gawo lamgwirizano wokhudza chindapusa musanasaine.

Mbali imodzi, Chilango chokha chophwanya malamulowo chimaperekedwa ndi lamulo. Mbali inayi, pali gawo lachilengedwe chonse - pokhapokha ngati litaperekedwa ndi mgwirizano.

Pogwiritsa ntchito izi, mabanki nthawi zambiri amakhazikitsanso kuchuluka kokwanira... Kuphatikiza apo, ena obwereketsa ndi omwe amalephera zolimba wonjezani kuchuluka kwa chindapusa pakulipira kulikonse.

Pofuna kuti musamalipire ndalama zowonjezera, ndiyofunika, choyamba, kukwaniritsa zomwe mwachita munthawi yake komanso mokwanira.

Ngati kuphwanya uku kukuchitikabe, mutha kuyesa kubweza chindapusa. Kuti muchite izi, muyenera kuyitanitsa ndi banki yoyenera. Ngati wobwereketsa akukana kuwerengetsa, pofuna kuteteza ufulu walamulo, muyenera kupita Rospotrebnadzor.

[3] Chiwongola dzanja

Obwereketsa ambiri, posankha pulogalamu yothandizanso ndalama, choyambirira samvera kuchuluka komwe akufuna. Takambirana kale chifukwa chake izi sizowonetsa kwathunthu. Komabe, poyerekeza koyambirira, chiwongola dzanja chili bwino.

Masiku ano pamsika, mitengo yamapulogalamu oyambiranso ndalama imasiyana kwambiri m'mabanki osiyanasiyana - imasiyana kuyambira 9 mpaka 23% pachaka. Koma ziyenera kumvedwa kuti ngongole yachiwongola dzanja chochepa nthawi zonse imakhala yopindulitsa kwambiri.

Ndikofunikira poyerekeza kugwiritsa ntchito osati kokha pachaka, komanso chiwongola dzanja chokwanira... Chizindikiro ichi ndi chomwe chimakupatsani mwayi wowerengera mtengo wathunthu wobwereketsa ndalama ndikuwunikanso phindu la pulogalamuyi.

Chiwongola dzanja chokwanira ikuyimira mtengo weniweni wa ngongole, womwe umaganizira zolipira zonse ndi zolipiritsa zomwe zikugwirizana ndi mgwirizano.

Mabanki ambiri amakopa makasitomala kuti awapatse ndalama zambiri. Pokhapokha mutafufuza mwatsatanetsatane za chiwongola dzanja chenicheni m'pamene zimawonekeratu kuti pulogalamuyi kapena imeneyi ndi yopindulitsadi.

[4] Kupezeka ndi kuchuluka kwa ndalama zowonjezera

Mukamasankha pulogalamu yothandizanso ndalama, muyenera kusamala ndi kupezeka kwa chidziwitso mumgwirizano wazosiyanasiyana mabungwe ena... Nthawi zambiri, kulipira kotere kumatanthauza ndalama zolipirira ngongole, kutsegula ndipo kusunga akaunti ya ngongole, kulingalira za kugwiritsa ntchito ndi ena.

Ndikofunikira kumvetsetsa kuti mabungwe oterewa malinga ndi lamulo yoletsedwa... Kuphatikiza apo, milandu yayikulu yakhala ikupezeka kale pankhaniyi. Komabe, mabanki ena akusocheretsabe obwereketsa ndalama.

Mwakutero, makasitomala ali ndi ufulu wosagwirizana ndi zigawo zina za mgwirizano wonena, mwachitsanzo, mabungwe osaloledwa. Komabe, pakadali pano, pali chiopsezo chachikulu kuti njira zowonjezeranso ndalama zakanidwa, kapena kuti ngongole idzaperekedwa pamlingo wokwera.

☝ Akatswiri amalangiza iwo omwe akwaniritsa zofunikira zakulipirira mabungwe osiyanasiyana, amasaina mgwirizano pamilandu ya wobwereketsa. Mgwirizanowu ukamalizidwa, ndipo ndalama zikalandilidwa, muyenera kulembera ku banki Funsani... M'chikalata chotere, ndikofunikira kufotokoza zenizeni zakuphwanya lamuloli ndikupereka chofunikiranso chobwezeredwa ndalama zomwe zidalipira ntchito zomwe wobwereketsayo adachita.

Ndikofunika kukumbukira kuti kupereka ngongole si ntchito yomwe makasitomala amafunikira. M'malo mwake, ndi udindo wa wobwereketsa. Zomwe zikuchitika zikuwonetsa kuti atalandira ndalama, mabanki nthawi zambiri amabweza ndalama popanda zovuta. Obwereketsa sakufuna kubweretsa nkhaniyi kukhothi, chifukwa amadziwa bwino kuti pankhaniyi lamuloli lili kumbali yakubwereka.

[5] Kutheka ndi zikhalidwe za kubwezera koyambirira

Kubwezeretsanso ngongole kumathandizira kuchepetsa kulipira kwambiri. Chofunikira kwambiri pamgwirizano uliwonse wabungwe ndikhoza kutero nthawi iliyonse popanda choletsa kupanga kumaliza kapena kulipira pang'ono pang'ono.

🔔 Mukamaphunzira mgwirizano, ndikofunikira kulabadira momwe mungabwezeretsere koyambirira.
Zofunikira pokhazikitsa njira zomwe zikuganiziridwa ziyenera kufotokozedwa momveka bwino mu mgwirizano. Izi zimagwira makamaka kwa masiku angati komanso ndi chikalata chiti chomwe wobwereketsayo akuyenera kudziwitsa bank zakubwezera kwake.

Tiyenera kukumbukira kuti wobwereketsa alibe ufulu wokhazikitsa zilango ndi ma komiti obwezera msanga. Komabe, nthawi zina, zoletsa zakanthawi zimatha kuyembekezeredwa - kuimitsidwa kwa miyezi ingapo.

Poganizira mfundo zonse zomwe zafotokozedwa pamwambapa, njira zoperekera ndalama zitha kukhala zopindulitsa kwambiri.

Kukana kubwezeretsanso ndalama: zifukwa zazikulu

7. Chifukwa chiyani mabanki angakane kukonzanso ngongole - zifukwa zitatu zakukanira 📛

Akatswiri amachenjeza iwo omwe asankha kubweza ngongole: m'dera lino, mwayi wolephera ndiwokwera kwambiri ↑... Mabanki nthawi zambiri samadziwitsa obwereketsa pazifukwa zomwe amasankha. Komabe, pali mfundo zazikulu zingapo zomwe nthawi zambiri zimabweretsa kulephera.

Chifukwa 1. Kupezeka kwakuchedwa kwa ngongole iliyonse

Palibe wobwereketsa amene amafuna kuthana ndi makasitomala osadalirika. Ichi ndichifukwa chake, ngati mungalembetse ndalama zolipirira pakakhala kuchedwa komwe kuli, pempholo likanidwa.

Ngati wobwereka yemwe akuchedwa kubweza amafunabe kukonzanso ndalama, choyamba ayenera kulipira kuchedwa konse. Pambuyo pake, kwa miyezi ingapo (kawirikawiri osachepera 3-x) kulipira kuyenera kupangidwa munthawi yake. Njirayi imathandiza kukweza ↑ mwayi wovomereza pempholi.

Mwa njira, mwayi wololeza ukuwonjezeka ↑ ngati wobwereka apereka banki chitetezo chowonjezera... Zitha kutero katundu wamadzi monga chikole kapena zosungunulira Okhala nawo limodzi kapena zotsimikizika.

Njira ina yothanirana ndivuto pakafuna thandizo ndi osinthitsa ngongole... Nthawi yomweyo, ndikofunikira kuti musankhe mosamala kampani yogwirizana kuti musakodwe ndi nyambo zabodza.

Ason Chifukwa 2. Mbiri yoyipa ya ngongole

Mabanki ambiri, mosalephera, akaganizira kuthekera kopanga mgwirizano wokonzanso ndalama, samalani mbiri ya wobwereka.

Pakatikati pake mbiri ya ngongole Zimayimira chidziwitso chokhudza momwe munthu amakwaniritsira ngongole zake.
Imadzikundikira BKI (Ngongole Bureau). Nthawi yosungira zidziwitso izi ndi 15 zaka.
Kuti mudziwe mwachangu kuti ndi ndani mwa ma CHB ambiri omwe mbiri ya wobwereketsayo ili, muyenera kudziwa nambala ya mbiri yanu ya mbiri yakale. Tinafotokoza mwatsatanetsatane momwe tingazipezere m'nkhani yomaliza.

Ndi chilolezo cha amene angabwereke amene analembetsa ngongole, banki ili ndi ufulu wofunsira ku BCH. Atawaunika, wobwereketsayo asankha kutulutsa ndalama kapena kukana (onse ngongole zachikhalidwe komanso ndalama zina).

Ndi zachilendo kuti ngati pali zambiri zoyipa mu BKI, banki itha kupanga chisankho choyipa pazomwe zalembedwazi. Pofuna kupewa izi, akatswiri amalimbikitsa kuti obwereketsa adziwe zambiri zomwe zili mu mbiri yawo ya ngongole, mopangiratu.

Mutha kupeza mbiri ya mbiri ya ngongole pogwiritsa ntchito njira zingapo:

Lumikizanani ndi banki ndi pempho lolingana;
kutumiza palokha ku Bureau of Credit Histories;
funsani zambiri zofunikira patsamba la Central Bank of Russia;
gwiritsani ntchito zatsamba lapadera.

Ason Chifukwa 3. Kutenga ngongole yocheperako kwakanthawi kochepa

Zimatengera nthawi kuti banki itsimikizidwe kuti ili ndi udindo, komanso solvency ya kasitomala. Ichi ndichifukwa chake, mukaganizira ntchito yofunsira ndalama, obwereketsa amayambitsa Zoletsa pakatikati pa ngongole yothandizanso.

Nthawi zambiri, mumayenera kulipira nthawi osachepera miyezi itatu... Mabanki ena amafunikira mawu otalikirapo - kuyambira miyezi isanu ndi umodzi.

Podziwa zifukwa zazikulu zakukana kukonzanso ndalama, obwereka atha kusankha okha momwe akuyenera kufunsira pakadali pano.

8. Mafunso omwe amafunsidwa pafupipafupi (FAQ) pa kulandiranso ndalama 💬

Kutchuka kwakukula kwa ngongole zothandizanso kumabweretsa kuti obwereketsa ambiri ali ndi mafunso okhudzana ndi njirayi. Kuti musawononge nthawi kufunafuna zowonjezera, timayankha omwe amadziwika kwambiri.

Funso 1. Kodi ndizotheka kupereka ndalama zowonjezera popanda satifiketi (popanda umboni wa ndalama)?

Mndandanda wa zikalata zothandiziranso ngongole yomwe idaperekedwa ku bungwe lina la ngongole, m'mabanki ambiri muli lipoti la ndalama... Pakuzindikira kwa wobwereketsa, imatha kujambulidwa monga momwe zimakhalira - 2-NDFLndipo ngati banki.

Komabe, mabanki ena amapereka ndalama kwa anthu popanda kuwonetsa ndalama zawo.

Ndikofunika kukumbukira bwanji pamenepa zikhalidwe sizingakhale zabwino. Izi makamaka zimakhudza chiwongola dzanja chapamwamba.

Kuphatikiza apo, sizigwira ntchito kukonzanso ngongole popanda kudziwitsa banki za kuchuluka kwa zomwe mumapeza. Pofunsira pakubwereketsa, zidziwitso za kuchuluka kwa ndalama, komanso wolemba anzawo ntchito ndi malo omwe agwiridwa, ziyenera kuwonetsedwa. Ngakhale kulibe kufunika kotsimikizira izi ndi zikalata, amagwiritsidwa ntchito poganizira ntchitoyo.

Tikukulangizaninso kuti muwerenge nkhani yathu momwe mungapezere ngongole popanda satifiketi ndi ma guarantor, ngakhale mutakhala ndi mbiri yoyipa yangongole.

Funso 2. Kodi ngongole yanyumba yotetezedwa ndi malo ndi chiyani?

Kubwezeretsanso ndalama zotetezedwa ndi kugulitsa nyumba ndi malo, makamaka, kuyambiranso ndalama kutengapo gawo pangano lonjezo.

Chiwembu choterechi chitha kugwiritsidwa ntchito kuchotsera pachinthu chomwe chinagulidwa kubweza ndi china. Izi zitha kukhala zofunikira pakagwiritsidwe kobweza ngongole akafunika kugulitsidwa.

Kubwezeretsanso ndalama zotetezedwa ndi malo

Kubwezeretsanso ndalama zotetezedwa ndi malo ndi nyumba kuli ndi izi:

imalola wobwereka kudalira kuchuluka kwakulu ↑ ngongole. Mutha kuphatikiza ngongole zingapo za ogula pamtengo wofanana ndi ngongole yanyumba;
imakulolani kuti muwonjezere kwambiri mwayi wovomerezedwa ndi pulogalamuyi.

Nthawi yomweyo, sizikhala ndi vuto ku banki komwe ndalama zomwe alandila zidzatumizidwa - kubweza ngongole zomwe zilipo kapena zolinga zina. Poterepa, chikole chimakhala ngati mtundu wa guarantor. Wokongola akakana kulipira, banki idzagulitsa malo omwe alandila ngati chikole ndikubweza ndalama zake.

P.S. Mu imodzi mwazolemba zathu m'magazini athu, mutha kuwerenga nkhani yokhudza momwe mungatengere ngongole yotetezedwa ndi malo ndi nyumba popanda umboni wopeza.

Funso 3. Kodi ndizotheka kuyambiranso ngongole ndi kuchedwa (ngongole yovuta)?

📣 Akatswiri amachenjeza kuti: pezani chisankho chovomerezeka pakufunsira ndalama mukakhala ndi ngongole yoti mulephera kubweza pafupifupi zosatheka... Izi ndichifukwa cha chiwopsezo chachikulu chobwereketsa obwereketsa otere.

Komabe, nthawi zina, banki yomwe ngongole yanthawi yomwe idaperekedwa idapita kwa wobwereka kukakumana. Ngati wobwereketsayo ali ndi mwayi woperekanso ndalama pamzere wazogulitsa, atha kuvomereza kuti azipereka kwa kasitomala wake. Koma muyenera kukhala okonzekera kuti banki itha kufunanso ndalama zowonjezera - chitsimikizo kapena lonjezo.

M'malo mwake, kubwezeretsanso ndalama sikutanthauza kuthana ndi mavuto ndi kubweza, koma kukonza njira zolipira. Ngati palibe chomwe mungalipire ngongoleyo, muyenera kusamala ndi zina zotheka - kukonzanso ngongole kapena bankirapuse.

Funso 4. Kodi mungalembetse bwanji ndalama zowonjezera ngongole?

Mutha kujambula ndikufunsira ndalama, polumikizana ndi ofesi yakubankikomwe ndondomekoyi ikukonzekera, kapena, poyendera tsamba lake.

Poyambirira koyambirira, ndikwanira kufotokoza zambiri zofunika:

dzina, dzina ndi dzina;
deta ya pasipoti;
kulembetsa ndi malo okhala;
zamalumikizidwe - manambala a foni;
ndalama zomwe mwapempha.

Ngati mungalembe ntchito zowonjezeretsa ngongole pa intaneti zotsatira zake zidzakhala zoyambirira... Ndiye kuti, kuvomereza sikutsimikizira kuti pangano la ngongole likhala.

Kuti muwunikenso, muyenera kupatsa banki zikalata zofunika. Pokhapokha atawunika ndi pomwe chisankho chomaliza.

Funso 5. Momwe mungawerengere ndalama zowonjezera?

Kuti muwonetsetse kuti kubweza ndalama kumathandizadi, ndikofunikira kuwerengera magawo azomwe musanayine mgwirizano. Ndizosatheka kuzichita pamanja.

Komabe, aliyense akhoza kuwerengera mumphindi zochepa chabe. Kuti muchite izi, ingogwiritsani ntchito iliyonse makina owerengera.

Lero kusankha kwawo pa intaneti ndikokulirapo. Koma mfundo yogwirira ntchito ndiyofanana: ndikwanira kuyika magawo azomwe angabwereke m'minda - mlingo, kukula ndipo nthawikuti tipeze mu miniti yokha kuti malipiro ndi zolipiritsa zidzakhala zotani.

Posachedwa, kutchuka kwa ndalama za ndalama ku Russia kukukulira pang'onopang'ono. Nzika zambiri zidatenga ngongole panthawi yamavuto pamitengo yayikulu kwambiri. Lero, pakuchepetsa Banki Yaikulu chiwongola dzanja, kuchepa kwa chiwongola dzanja cha ↓ pa ngongole nawonso.

Zikakhala choncho, ndizachilengedwe kuti nzika zizifuna kupanga phindu pokwaniritsa maudindo awo. Pachifukwa ichi, mutha kugwiritsa ntchito kuyambiranso ngongole.

Kutulutsa kumathandiza osati kokha kudula ↓ mlingo, komanso kuchepetsa ↓ kuchuluka kwa zolipira ndipo malipiro ochulukirapo... Zotsatira zake ndikukula kwachuma.

Pomaliza, penyani kanema mwatsatanetsatane wokhudza kubweza ngongole:

Ngati muli ndi mafunso, ndemanga kapena zowonjezera pamutu wankhaniyi, lembani ndemanga pansipa. Musaiwale kugawana nawo izi ndi abwenzi anu pamawebusayiti.Mpaka nthawi yotsatira!

Send