Ngongole ya ogula - ndimotani komanso banki iti yomwe ndiyofunika kuitenga ndi chiwongola dzanja chochepa + TOP-5 mabungwe angongole komwe mungapeze ngongole ya ogula popanda ziphaso zopezera ndalama ndi ma guarantors

Masana abwino, owerenga okondedwa a Magazini azachuma a Ideas for Life! Zolemba za lero ndi za mutu wotchuka - kubwereketsa ogula... Tikukuwuzani kuti ngongole ya ogula ndi yotani, ndi pati komanso momwe mungayipezere pamagulu abwino, momwe kubanki kuli koyenera kupeza ngongole ya ogula popanda ziphaso zopezera ndalama ndi ma guarantor pachosangalatsidwa.

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

Kuchokera m'nkhani yomwe mukufuna, muphunzira:

• Zomwe zimatchedwa ngongole ya ogula komanso zabwino zake;
• Kodi mitundu ndi mitundu yanji ya ngongole za ogula;
• Ndi magawo ati omwe akuyenera kudutsidwa kuti apeze ndalama zosowa kwa ogula;
• Kodi ndi banki iti yomwe ili bwino kutenga ngongole ya ogula ndi chiwongola dzanja chochepa;
• Kumene ngongole zimaperekedwa popanda satifiketi kapena guarantors;
• Momwe mungapangire kuwerengera koyenera molondola.

Mupezanso zambiri zakubweza ndalama (kuyambiranso) ngongole za ogula ndi mayankho amafunso omwe amafunsidwa kawirikawiri.

Nkhaniyi ikhale yosangalatsa kwa iwo omwe akufuna kutenga ngongole ndi phindu lalikulu komanso chitonthozo. Kuphatikiza apo, zomwe zafotokozedwazo zitha kukhala zofunikira kuwerengera aliyense amene ali ndi chidwi zachuma, kuphatikiza zaumwini.

---

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

---

---

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

---

Ngongole ya ogula ndi momwe mungapezere, komwe banki imatha kutenga ngongole ya ogula ndi ndalama popanda ziphaso zandalama ndi ma guarantors - za izi osati kungowerenga

1. Kodi ngongole ya ogula ndi chiyani ndipo ndizotani? 💰

Lero munthu wazunguliridwa ndi zopereka za ngongole. Mafoni ofuna kubwereketsa akubwera kuchokera kulikonse: kuchokera pa TV ndi manyuzipepala, kuchokera pazotsatsa zotsatsa, kuchokera pa intaneti. Nthawi yomweyo, sikuti aliyense amamvetsetsa zomwe ali ngongole za ogula.

Pakadali pano, ndi kasitomala ngongole lero ndi imodzi mwazinthu zabwino kwambiri pamsika wamabanki. Kwa kasitomala, mwayi wa ngongole yotere ndi kugwiritsa ntchito ndalama zomwe amalandira momwe angafunire.

Ponena za tanthauzo, kasitomala ngongole ndi ngongole, yomwe imaperekedwa ndi bungwe la ngongole (banki) kwa munthu aliyense kuti akwaniritse zosowa zake. Malangizo amomwe mungagwiritsire ntchito ndalama zomwe mungalandire atha kukhala osiyana, Mwachitsanzo, kulipira katundu aliyense kapena ntchito zina.

Main mbali kasitomala ngongole ndi palibe chifukwa chotsimikizira kuwongolera ndalama zomwe munabwereka... Ngakhale mabanki akafunsa kuti afotokozere cholinga chobwereka mu pulogalamuyi, palibe amene angawone izi.

Kuphatikiza apo, kwa ngongole ya ogula, njira zolembetsa Zosavutirakokuposa mitundu ina yobwereka. Muyenera kupereka mindandanda yazing'ono kwambiri, ndipo kanthawi kochepa tidzagwiritsidwa ntchito polandila ndalama.

Main cholinga kubwereketsa kotereku ndi Kukula kwa mwayi wogula... Chifukwa chake, ndizotheka kupeza ngongole yokhudzana ndi ogula osati mu bankikomanso mu m'masitolo... Kuphatikiza apo, masiku ano ntchito ngati imeneyi imaperekedwa ndi kugula pa intaneti pa intaneti.

2. Ubwino ndi zovuta za ngongole za ogula кредитов

Monga ntchito ina iliyonse yazachuma, ngongole ya ogula imakhala nayo zabwino zingapo ndi zovuta zake... Asanapange ngongole yamtunduwu, nzika iliyonse iyenera kuwerenga mosamala.

2.1. Ubwino wa (+) ngongole za ogula

Zina mwazabwino za ngongole ya ogula ndi izi:

1. Kutha kugwiritsa ntchito ndalama mwanzeru za wobwereka ndiye mwayi waukulu.
2. Palibe chifukwa choperekera ndalama ndi othandizira. Pakulimbana kwa kasitomala aliyense, mabanki nthawi zonse amachepetsa njira zopezera ngongole za ogula. Phukusi la zikalata zolipirira ngongolezi ndilochepa, nthawi zambiri pasipoti imangofunika.
3. Nthawi yocheperako. Chifukwa chodziwitsa zochepa, mabanki amatenga ngongole zaogula mwachangu kwambiri. Njira yonseyi nthawi zambiri imatenga maola angapo. Nthawi zina mumayenera kudikirira masiku awiri kapena atatu.

Popereka ngongole ya ogula, cheke chosavuta cha obwereketsa chimachitika. Mabanki akupanga njira zapadera zowunikira mwachangu solvency, chifukwa chake, nthawi zambiri pamakhala malingaliro oti atulutse onetsani ngongole... Poterepa, mutha kulandira ndalama pasanathe mphindi zochepa mutapereka pulogalamuyi.

Ngakhale pali zabwino zambiri, kubwereketsa ogula kuli ndi zovuta zingapo.

2.2. Zoyipa za (-) ngongole ya ogula

Zina mwa zovuta ndizo:

1. Zokwanira kwambiri. Kutumiza mwachangu, komanso phukusi locheperako, zimapangitsa kuti chiopsezo chosabweza ndalama chikuwonjezeka kwambiri. Kuti adziteteze, mabanki nthawi zambiri amaika malingana ndi mapulogalamu ofanana mkulu chiwongola dzanja.
2. Palibe njira yopezera ndalama zambiri. Nthawi zambiri, kuchuluka kwa ngongole za ogula kumangokhala ma ruble mazana awiri. Nthawi zambiri, imatha kufikira 1,5 miliyoni.
3. Mabungwe ndiotheka. Wobwerekera ayenera kukumbukira kuti akafunsira ngongole, ndikofunikira kuphunzira mosamala mgwirizano. Kupezeka kwa mabungwe osiyanasiyana kumabweretsa kukwera kwakukulu pamtengo wa ngongole. Kuphatikiza apo, mabanki nthawi zambiri amafuna kuti wobwereka atenge mtundu wina wa inshuwaransi, Mwachitsanzo moyo, thanzi kapena osabwerera. Mwachilengedwe, ngakhale kubweza ngongoleyo koyambirira, ndalama za inshuwaransi sizibwezeredwa.

Chifukwa chake, ngongole za ogula zili nazo zonse ziwiri ukomandipo zovuta... Musanasaine pangano la ngongole, muyenera kuziwerenga mosamala, kuyeza zonse zabwino ndi zoyipa.

Ngati mukusamalira momwe mukukongoletsa ngongoleyo ndiudindo waukulu komanso chidwi, mutha kupewa mavuto ambiri mtsogolo.

3. Mitundu ndi mitundu ya ngongole za ogula 💸📑

Lero pali zotsatsa pamsika zopeza ngongole zosiyanasiyana za ogula. Amatha kugawidwa pogwiritsa ntchito mawonekedwe osiyanasiyana.

Pali mitundu yotsatirayi yobwereketsa ogula:

1. ngongole yangongole - njira yobwereketsa yanthawi zonse, pempho likaperekedwa, ndipo pambuyo poti lilingaliridwe, ndalama zimaperekedwa;
2. makhadi a ngongole - kulembetsa khadi yapadera yakubanki, komwe mungagwiritse ntchito ndalama pobwereka;
3. owonjezera - kutha kugwiritsa ntchito ndalama zochuluka kuposa zomwe zimapezeka pa akauntiyo;
4. dongosolo la magawo - kugula pang’onopang’ono kumagwiritsidwa ntchito pazinthu zamtengo wapatali.

Pakuyerekeza mitundu ya ngongole za ogula, njira yosavuta yochitira izi ndikugwiritsa ntchito tebulo:

Mtundu wa ngongole yaogula	Malo olembetsera	Zina zapadera
Zosowa zachangu	Nthambi ya Bank	1. Nthawi zambiri amafunika inshuwaransi 2. Kuchepetsa chiwongola dzanja
Ngongole yazinthu	Masitolo ndi malo ena ogulitsa	1. Kuwunika mwachangu pasanathe mphindi 2. Chiwongola dzanja chachikulu 3. Nthawi zambiri ntchito imakhalanso mgwirizano
Kiredi	Kuofesi yakubanki kapena pa intaneti	1. Kusanthula kosavuta kwa wobwereka 2. Kupezeka kwa nthawi yopanda chiwongola dzanja 3. Kutheka kwatsopano kwa mgwirizano
Onetsani ngongole	Ku nthambi ya banki	1. Kanthu kakang'ono kwambiri 2.fupi kwambiri 3. Kusintha kogwiritsa ntchito kosavuta 4. Mlingo wapamwamba

Chifukwa chake, wobwereka amakono ali ndi njira zambiri zobwereketsa ogula.

Kuti musankhe ngongole yabwino kwambiri, muyenera kuwunika momwe zinthu ziliri.

Njira yobwereketsa ndalama

4. Momwe mungapezere ngongole ya ogula - magawo 7 akulu opezera ngongole zosowa kwa ogula 📝

Iwo amene asankha kupeza ngongole ya ogula asayiwale kuti posainira panganolo, wobwereketsayo adalipira ngongoleyo. Koma kusaina mgwirizano - iyi ndi imodzi mwamagawo omaliza olandila ndalama, amatsogola ndi njira zingapo zosavuta.

Popeza kwa ambiri, njira zopezera ngongole zikuwoneka zovuta komanso zosamvetsetseka, tinaganiza zokuwuzani mwatsatanetsatane magawo ake.

Gawo 1. Kusankha ngongole

Mukamasankha banki, muyenera kusamala ndi kutalika kwanthawi yayitali pamsika. Mabungwe omwe akwanitsa kupirira mpikisano waukulu pazaka zambiri amachititsa kudalira... Mwina ali ndi kukhazikika kokwanira.

Nthawi zambiri, mabungwe obwereketsa ocheperako amapereka zambiri chiwongola dzanja chochepa... Mukamalumikizana ndi mabungwe amenewa, muyenera kukhala osamala kwambiri.

Kawirikawiri, kuchepa kwa chiwongoladzanja kumachepetsa ndi ndalama zambiri zowonjezera ndi ma komiti. Kuphatikiza apo, pali mwayi wolumikizana nawo zachinyengo.

Gawo 2. Kusankha mikhalidwe yoyenera

Mkati mwa bungwe limodzi la ngongole, mapulogalamu angapo opezera ngongole atha kuperekedwa. Poyerekeza iwo, simungapachikidwe pa chiwongola dzanja, chifukwa kukula kwake si chitsimikizo cha ngongole yotsika mtengo.

Poyerekeza, zingakhale zolondola kwambiri kulingalira mtengo wathunthu wa ngongole, yomwe imaphatikizapo, kuwonjezera pa chiwongola dzanja chogwiritsa ntchito ndalama:

• Commission yosungitsa ndalama;
• malipiro a inshuwaransi;
• kubweza ngongole koyambirira;
• zolipira zina zoperekedwa ndi pulogalamu yobwereketsa.

Gawo 3. Kutumiza kwa pulogalamuyi

Kuti muchepetse ndalama pakadali pano, ndikofunikira kugwiritsa ntchito mwayiwo ntchito yoyambirira... Kuvomerezeka pa izi sikungatsimikizire kuti munthu alandila ndalama, chifukwa chigamulo chomaliza chimachitika pokhapokha pakaperekedwa phukusi lathunthu lazolemba... Pa nthawi yomweyi, kukana kumathandizira kupulumutsa nthawi ndi mphamvu.

Mabanki ambiri amapereka ntchito yoyambirira m'njira zitatu:

1. Ku nthambi ya banki wogwira ntchitoyo angakuuzeni za mawu obwereketsa, angakuuzeni zikalata zomwe mukufuna. Kuphatikiza apo, ngati mukufuna, mutha kuyambiranso koyambirira. Mabanki ena kwenikweni samakongoza magulu ena a nzika; Muthanso kufotokozera nthawi yomweyo ngati kuli kotheka kupereka ndalama zomwe zikufunika. Zovuta za njirayi ndikufunika kocheza kubanki, kudikirira mizere.
2. Mu shopu. Ogwira ntchito kubanki nthawi zambiri amakhala ogulitsa. Amatha kusindikiza mafunso ndi mndandanda wazolemba, kulangiza pamalingaliro a ngongole. Komabe, alangizi am'misika m'masitolo nthawi zambiri samayendetsedwa bwino m'mabanki onse, chifukwa amayang'ana kwambiri ngongole za katundu.
3. Pogwiritsa ntchito intaneti. Njirayi ndiyabwino kwambiri. Palibe chifukwa chosiya nyumba yanu kukalembetsa. Izi zitha kuchitika nthawi iliyonse poyendera tsamba lawebusayiti yomwe ili ndi chidwi.

Mulimonsemo, mkati mwa nthawi yake, wobwereka adzapatsidwa chisankho choyambirira pazofunsira kwake. Ngati yankho ndi inde, mutha kupita patsogolo.

Gawo 4. Kukonzekera phukusi la zikalata

Phukusi la zikalata zofunikira makamaka limatsimikiziridwa ndi kuchuluka kwa ngongoleyo. Ngati ndi yaying'ono, kuthekera, banki imangofunika pasipoti ndipo chikalata chachiwiri.

Mungafunenso lipoti la ndalama ndipo buku la ntchitozomwe zimakonzedwa kudzera mwa owalemba ntchito.

Ngati wobwereka atenga ndalama zambiri, phukusi lingakhale zochititsa chidwi.

Gawo 5. Kulembetsa ntchito yomaliza komanso kulumikizana ndi wogwira ntchito kubanki

Phukusi lonselo litasonkhanitsidwa, mutha kupita ku ofesi yapafupi ya ngongole. Pano kutulutsa ntchito yomaliza ndikuyankhula ndi wogulitsa ngongole.

Ndipafupipafupi pomwe zokambirana zomaliza za ngongole zonse zimachitika. Wobwereka ayenera kukumbukira kuti ngati pali kusamvana, kuyenera kuthetsedwa pakadali pano. Mgwirizanowu utasainidwa ndipo ngongole itaperekedwa, palibe chomwe chingakonzeke.

Gawo 6. Kusayina mgwirizano

Wobwereketsa atasaina mgwirizano, akuti akuvomereza zonse zomwe zalembedwazo. Ichi ndichifukwa chake zofunika werengani mosamala mawu amgwirizanowu musanasaine.

Musaiwale kuti ngati zofunikira za mgwirizano wa ngongole sizikwaniritsidwa, mbiri ya wobwerekayo ikhoza kuwonongeka.

Gawo 7. Kulandila ndalama

Njira yolandirira ndalama imatsimikizika malinga ndi mgwirizano wa ngongole. Nthawi zambiri, ndalama zimaperekedwa ndalama kudzera pa desiki ya kubanki yakubanki kapena posamutsira ku khadi.

Posachedwa, mabanki ena ayamba kupereka ntchito yopita kwa wogwira ntchito kunyumba kapena kuofesi ya wobwereka.

---

Chifukwa chake, palibe chovuta panjira yopezera ngongole ya ogula. Ndikofunikira kudutsa magawo asanu ndi awiriwo motsatizana, kutsatira malamulo oyenera.

5. Ndi banki iti yomwe ndibwino kutenga ngongole ya ogula - kuchuluka kwa mabanki a TOP-5 ku Moscow ndi chiwongola dzanja chochepa low

Mukamapempha ngongole ya ogula, ndikofunikira kuti musankhe banki mozama momwe mungathere. Musaiwalekuti tidzayanjana ndi bungweli kwanthawi yayitali.

Njira yabwino kwambiri - mabanki omwe amabwereketsa kwa anthu koposa chaka chimodzi. Izi zimatilola kuweruza kutchuka kwawo, komanso kudalirika kwawo.

Pali zotsatsa zambiri pamsika kuchokera kumabungwe osiyanasiyana obwereketsa ndalama. Ndizosatheka kufananiza zonsezi. Ichi ndichifukwa chake tapereka chiwonetsero cha mabanki abwino kwambiri omwe akugwira ntchito ku Moscow ndi mizinda ina ya Russia, momwe zinthu zilili kwambiri yopindulitsa.

# 1. Sberbank

Sberbank waku Russia - mosalekeza amakhalabe ngongole yotchuka kwambiri mdziko lathu. Monga gawo la ngongole yomwe simukuyang'ana, mutha kufika apa kale miliyoni ndi theka Ma ruble... Nthawi yomweyo, chiwongola dzanja cha ngongole zotere ndi 14,9 pachaka, yomwe ndi yotsika poyerekeza ndi mabungwe ena ambiri obwereketsa.

Kuphatikiza apo, kwa iwo omwe amalandila malipiro pogwiritsa ntchito makhadi a Sberbank (ndipo pali nzika zambiri zotere), chiwongola dzanja chachepetsedwa pano.

Nthawi yokwanira yomwe ngongole idzaperekedwa ndi zisanu zaka. Ntchitoyi imawerengedwa mpaka masiku awiri azachuma.

# 2. VTB

Mutha kupeza ngongole yayikulu pa VTB kuyatsa 3 miliyoni miliyoni kwa mpaka 60 miyezi. Chiwongola dzanja chidzakhala 16,9%.

Pali zochitika zosiyanasiyana zomwe zimapangitsa kuti ngongole ikhale yopindulitsa kwambiri.Chifukwa chake, ngati mukufuna kuchepetsa chiwongola dzanja ku banki, mutha onetsetsani moyo ndi thanzi.

Komanso, nzika zomwe zimalandira malipiro pamakadi a VTB Bank zitha kudalira zabwino zonse za ngongole.

Nambala 3. Svyaz-Bank

Akatswiri a Svyaz-Bank apanga mapulogalamu ambiri osiyanasiyana obwereketsa kwa anthu payekha.

Ngongole yopanda malire itha kukonzedwa pano 15,5% pachaka kwa mpaka 60 miyezi. Poterepa, mutha kulandira ndalama pamtengo kale 750 zikwi ma ruble.

Ayi. 4. Citibank

Kufunsira ngongole ya ogula, ndikokwanira kupereka zikalata ziwiri - pasipoti ndipo lipoti la ndalama... Nthawi yomweyo, chiwongola dzanja ku Citibank ndi chotsika kwambiri - chokha 15%.

Komabe, obwereketsa amapatsidwa zokwanira zofuna zazikulu... Kuphatikiza pa kuti muyenera kukhala nzika ya Russian Federation, ndalama zomwe mumapeza pamwezi kuti mupeze ngongole ziyenera kukhala osachepera Ma ruble 30,000. Ngati kasitomala akwaniritsa zofunikira pamwambapa, akhoza kulandira kale awiri miliyoni miliyoni.

Na. 5. Mbiri Yachikulire

Apa amapereka mwayi wobwereketsa ndalama 15,9% pachaka. Poterepa, nthawi yayitali kwambiri ndi 5 zaka.

Mutha kulembetsa ndalamazo kuchokera 30 kale 500 zikwi ma ruble... Simudikira nthawi yayitali kuti mupeze yankho - chisankho chipangidwa tsiku lomwelo.

---

Chifukwa chake, tengani ngongole pamtengo wotsika ndi zenizeni... Ndikokwanira kudziwa kuti ndi ngongole iti yomwe ingagwiritsidwe ntchito, komanso kutsatira zomwe amafunika kubwereka.

Patsamba lathu lawebusayiti pali nkhani yapadera yokhudza ngongole yanyumba, momwe tidalemba momwe zingapindulitsire ngongole yanyumba.

6. Ndi banki iti yomwe ili ndi chiwongola dzanja chotsika kwambiri mu 2020? 📋

Nzika zambiri, posankha banki kuti ibwereke ngongole ya ogula, choyambirira samvera zomwe akufuna chiwongola dzanja... Akatswiri amakhulupirira kuti njirayi ndi yolondola, chifukwa mtengo wogwiritsira ntchito ngongole udzadalira chizindikiro ichi.

Pofunafuna gawo locheperako, ndikofunikira kudziwa kuti kukula kwake kumadalira makamaka momwe kasitomala akukhudzidwira ndi banki, komanso kuchuluka kwa zikalata zomwe zaperekedwa.

Motsatira, momwe solvency imatsimikizidwira bwino, m'munsi momwe mungadalire... Ndiye chifukwa chake sikofunikira kuwerengera pang'ono mukamafunsira ngongole potengera chikalata chimodzi kapena ziwiri.

Choyambirira, ndikofunikira kulingalira momwe zinthu ziliri ku banki zomwe mumatumikira khadi yamalipiro... Ndipamagulu amakasitomala omwe mabungwe amabwereketsa ndalama nthawi zambiri amatsitsa mitengoyo. Kotero, Sberbank polandira malipiro pakhadi lake, amavomera kuti atulutsa ngongole yofika ku zikwi mazana atatu rubles pansi 13,9% pachaka.

Muthanso kuwerengera kuchepa kwa chiwongola dzanja m'mabanki omwe ngongole idabwezedwa kale kale. Mabungwe angongole amakhulupirira ena obwereketsa kwambiri.

Ponena za mabanki enieni okhala ndi chiwongola dzanja chochepa*, Tikukulangizani kuti musamalire izi:

• ngati cholinga chobwereketsa ndi malipiro a maphunziro, ndibwino kulumikizana Sberbank... Pali pulogalamu yapadera yolimbana pano, komwe mtengo ukuchokera 7,5%;
• opuma pantchito atha kupita bwinobwino Sovcombankkomwe mungadzuke zana limodzi rubles pansi 12% pachaka (tidalemba kale za momwe mungapezere ngongole kwa wopuma pantchito pazabwino);
• Rosbank imapereka zabwino kwambiri - 13,5% iwo omwe amagwira ntchito pamunda wa bajeti adzafunika wotsimikizira kuti adzalandira ngongole;
• eni malo atha kulumikizana ndi banki Premier Mbirikomwe, pamaso pachitetezo, ali okonzeka kupereka ngongole yobwereketsa 14%;
• Bungwe la Orient Express wokonzeka kupereka ngongole mpaka zikwi makumi asanu by 15%;
• ngati mukufuna kulandira zochuluka (mpaka miliyoni miliyoni) kwa nthawi yayitali (mpaka Zaka 15) ayenera kulumikizana Ngongole Bank of Moscowkomwe mtengo wapachaka umayambira 15%.

* Onetsetsani kufunikira kwa mitengo ya chiwongola dzanja pa ngongole patsamba lovomerezeka la mabungwe azangongole.

Komwe ndi momwe ngongole ya ogula amawerengedwera - zosankha zowerengera zomwe zingatheke: chowerengera cha pa intaneti patsamba la banki kapena kuyitanitsa ku ofesi ya ngongole

7. Kuwerengera ngongole ya ogula - njira ziwiri zosavuta kuwerengera ngongole ya ogula 📌

Ngakhale posankha pulogalamu yobwereketsa, nthawi zambiri pamakhala chikhumbo werengani magawo a ngongole za ogula - Kuchuluka kwa zolipira, zolipira kwambiri, ndi zina zambiri. Izi zitha kuchitika m'njira ziwiri zazikulu: kulumikizana ndi ofesi yakubanki yapafupi kapena kuchezera tsamba lake pa intaneti.

Njira 1. Kuyendera ofesi ya ngongole, wobwereka mtsogolo atha kudziwa magawo onse obwereketsa pokambirana ndi wokongoza ngongole.

Kuphatikiza (+) Izi ndikuti mukauka mafunso, mutha kupeza mayankho nthawi yomweyo. Kuphatikiza apo, ngati zinthu zikugwirizana ndi kasitomala, ndipo muli ndi zikalata zofunikira, muli ndi mwayi ikani pulogalamu yomweyo.

Komabe, kuchezera ofesiyo kumaphatikizaponso zovuta (-)... Muyenera kuthera nthawi yanu ndikuchezera banki ndikudikirira mzere. Nthawi iyi idzawonongedwa pachabe ngati ngongole za kasitomala sizikwaniritsidwa.

Njira 2. Kuwerengera ngongole pogwiritsa ntchito makina owerengera ngongole pa intaneti ndi mulingo woyenera kwambiri. Poterepa, ndikokwanira kukhala ndi kompyuta kapena chida china chilichonse chogwiritsa ntchito intaneti (kusiya nyumba yanu kapena ofesi sadzafunika).

Makina owerengetsa ngongole ya ogula mungapezeke kudzera mu injini zosakira kapena gwiritsani ntchito yomwe ili patsamba lovomerezeka la banki yomwe mwasankha.

Momwemo, zilibe kanthu kuti ndi makina ati omwe mungasankhe. Chikhalidwe chawo ndi chimodzimodzi, ndikwanira kuyika izi m'minda yoyenera:

1. kuchuluka kwa ngongole yomwe mukufuna;
2. chiwongola dzanja cha pulogalamu yomwe yasankhidwa;
3. ngongole (nthawi zambiri imawonetsedwa miyezi);
4. njira yolipira - kubweza kapena kusiyanitsa.

Nthawi yomweyo, ndikofunikira kumvetsetsa kuti pali kusiyana kotani pakati pamalipiro:

• Zapachaka Ndi malipiro amwezi omwe amakhalabe ofanana munthawi yonseyi.
• Kusiyanitsidwa - kulipira komwe kumachepa pakapita nthawi, ndiye kuti, pachiyambi pomwe, ndalama zambiri zimayenera kulipidwa polipira ngongoleyo.

Masamba onse akangodzazidwa, dinani batani "Kuwerengetsa"... Pulogalamuyi ipereka chidziwitso pamagawo onse andalama.

---

M'magawo osiyana, tidalembanso momwe tingawerengere ngongole yanyumba paintaneti ndikuwerengera ngongole yamagalimoto pogwiritsa ntchito chowerengera ngongole.

---

Chifukwa chake, njira yabwino kwambiri pakuwerengera ndi chowerengera ngongole... Zimakupatsani mwayi wofananitsa njira zingapo zobwerekera osachoka kwanu. Kuphatikiza apo, mutha kumvetsetsa kuchuluka kwa ngongole yomwe ingakhale yokwanira potengera kukula kwa malipirowo.

Zomwe muyenera kudziwa pakubwezeretsanso ndalama kapena, monga amatchulidwira nthawi zambiri, kuyambiranso ngongole za ogula

8. Kubwezeretsanso ndalama (kuyambiranso) ngongole za ogula - ndi chiyani ndipo ndi moyenera kuti zigwiritsidwe ntchito 💵

Sizachilendo kuti wobwereka awonjezere ndalama zake, moyo wake wasintha, ndipo ngongole pamsika zakhala zabwino. Pazochitika zonsezi, mutha kugwiritsa ntchito ntchito yobwereketsaomwe azachuma amayitana kuyambiranso ndalama.

Kodi kubweza ngongole (kukonzanso ndalama) ndi chiyani?

Pansi kuyambiranso ndalama mvetsetsani kukhazikitsa mgwirizano watsopano wa ngongole kuti mutseke ngongole yomwe mudalandira kale. Zitha kukhala zopindulitsa pulogalamuyi ikamapereka mawu osangalatsa.

Nthawi zambiri, kuti mupeze lingaliro labwino pamapulogalamu obwezeretsanso ndalama, ndikofunikira kuti musangokhala ndi zikalata zokwanira, komanso mbiri yabwino ya ngongole... Otsimikizira ndi chikole chitha kuperekanso mwayi wina.

Poganizira zakubwezeretsanso ngongole ya ogula, ziyenera kumveka kuti mgwirizano watsopanowo sungathetse vuto lakumwa. Lingaliro lotenga nawo gawo pamapulogalamu otere liyenera kupangidwa mosamala, zitha kukhala zoyenerera nthawi zina:

1. Kuchepetsa ngongole — chifukwa ichi pakubwereketsa ndi chimodzi mwazofala kwambiri. Pankhani yobwereketsa kwakanthawi, zimachitika kuti mitengo imatsitsidwa pambuyo pake. M'mikhalidwe iyi, wina safuna kutaya mwayi wabwino ndikulipira zochuluka kuposa momwe angathere. Atamaliza mgwirizano wobwezeretsanso ndalama, wobwereketsa amatseka mgwirizano womwe ulipo ndikuyamba kulipira chatsopanocho m'njira yabwino.
2. Sitinathe kubweza ngongole yotsatira pamwezi. Nthawi zomwe zachuma wobwereketsa zasintha, zimakhala zovuta kuti alipire ngongoleyo panthawi ndi zonse. Poterepa, mutha kuyesa kupanga mgwirizano wothandizanso ndalama, malinga ndi momwe malipirowo adzakhalire ochepa.
3. Kufunika kosintha bungwe la ngongole. Zifukwa za izi zitha kukhala zosiyana: 1) zikhalidwe zabwino zangongole kubanki ina; 2) sakhutitsidwa ndi mtundu wa ntchito ya omwe amapereka ngongole; 3) palibe njira yobwezera ngongole kubanki yakale malinga ndi momwe zinthu ziliri pano.

Osatengera zifukwa zomwe zidapangitsa kuti pakhale kufunika kokonzanso ndalama, ndikofunikira kulingalira mosamala za mgwirizano wamgwirizano watsopano. Nthawi zambiri, mukaperekanso ndalama, palibe njira yobwezera ngongole yatsopano isanakwane. Chisankho chotere chikachitika, wobwereka amayenera kulipira chindapusa (chiwongola dzanja).

9. Mayankho a Mafunso Ofunsidwa Kawirikawiri (FAQ) 📢

Ngakhale zikuwoneka ngati zosavuta, mutu wokhudza kubwereketsa ogula umadzutsa mafunso ambiri. Kuwongolera kusonkhanitsa kwa chidziwitso kwa owerenga athu, tayesetsa kuyankha omwe amafunsidwa kawirikawiri.

Funso 1. Kodi ndingapeze kuti ngongole ya ogula ndalama popanda ziphaso za ndalama ndi ma guarantors?

Pamavutowa, mabungwe ena angongole amaletsa kupereka ngongole malinga ndi njira zowona mtima kwambiri, kuyesa kuphunzira kusamvana kwa omwe angabwereke ndalama. Komabe, mabanki ena omwe ali ndi mpikisano wampikisano akuyesera kukopa nzika mwa kupereka kubwereketsa ndalama mwachangu. Momwe zinthu zilili sizitanthauza kuti mupatsidwe zikalata zonse, komanso kupezeka kwa ma guarantors.

Zofunika! Obwereka ayenera kusamala ndi zoterezi. Musaiwale kuti pakalibe ziphaso ndi ma guarantor, ngongole sizikhala zabwino.

Kuperewera kwa maumboni okhudzana ndi solvency kumabweretsa chiopsezo choti kusabweza ndalama kumawonjezeka. Zikatero, ndizachilengedwe kuti mabanki akufuna kusewera mosamala. Ichi ndichifukwa chake, pakalibe ziphaso ndi ma guarantor, ndalama zochepa zimaperekedwa, ndipo chiwongola dzanja pamutuwu ndichokwera kwambiri.

Tinalemba mwatsatanetsatane za komwe ndi momwe mungapezere ngongole ndi mbiri yoyipa ya ngongole yopanda ziphaso za ndalama ndi ma guarantors m'mbuyomu.

Posankha banki, anthu nthawi zambiri amayesa kutolera ndalama zambiri pazoperekedwa pamsika ndikuzifanizira. Zingakhale zovuta kuchita izi, chifukwa lero mabungwe ambiri amabwereketsa ngongole kwa ogula popanda ziphaso kapena ma guarantors.

Zikatero, nthawi zambiri kumakhala kwanzeru kusiya kusaka kwawokha, pogwiritsa ntchito mavoti okonzedwa ndi akatswiri.

Pansipa tikukuuzani zosankha zabwino kwambiri m'malingaliro athu.

1) Sberbank

Banki yotchuka kwambiri ku Russia imafuna zovuta kwa omwe amabwereka. Koma ngakhale pano pali mwayi wopeza ngongole malinga ndi chiwembu chosavuta.

Mutha kuchita m'masitolokugulitsa zida zapanyumba ndi zamagalimoto. Sberbank adapereka ngongole chandamale - pogula chinthu china, malinga ndi kupanga 10% yamtengo wake.

Kulingalira kwa ntchito kumatenga kuchokera kumodzi maola kwa imodzi masiku... Ngongole ikhoza kuperekedwa ndi nzika ya Russian Federation yomwe yatembenuka 23 za chaka. Muyenera kupereka pasipoti yokhala ndi chilolezo chokhalitsa.

Nthawi yobwereketsa pankhaniyi ndi kuchokera 3 miyezi kale 2 wazaka... Chiwongola dzanja chimayikidwa pa 16% pachaka.

2) Asia Express

Bankiyi ili ndi mapulogalamu ambiri obwereketsa ogula. Alipo monga ngongole zosayenerandipo kulipira katundu ndi ntchito zinaMwachitsanzo kuyenda, kukonzanso, maphunziro.

Ngongole imatha kuperekedwa kwa iwo omwe afika zaka 25 zaka. Izi zidzafunika pasipoti yokha... Kuchuluka kwa ngongole - 200 000 Ma ruble. Mitengoyi ndiyambiri 22 kale 47 % pachaka. Nthawi yobwereketsa sayenera kupitirira zisanu zaka.

3) Bank "Renaissance Mawu"

Ku bankiyi, ngongole za ogula zimaperekedwa ndalamazo kale theka la miliyoni Ma ruble, term - kuchokera 2 kale 5 zaka. Mutha kulembetsa mutakwanitsa zaka 24 za chaka.

Mtengo ukhazikitsidwa pakati 15,9 kale 74,9 peresenti. Kufunsira ngongole, ndikokwanira kupereka chikalata chimodzi - pasipoti... Mwachilengedwe, pakadali pano, milingo idzakhala yokwanira.

Zowona, banki imalola wobwereka kuti achepetse mtengo woperekera ngongoleyo mwa kubweza msanga, zomwe zimachitika kuno popanda zolipira zina.

4) Alfa Bank

Alfa-Bank ili ndi mwayi wopereka ngongole pamtengo 29,3%.

Pakakhala zikalata ndi ma guarantor, wobwereka ali ndi ufulu wofunsira ngongole mu ndalamazo kale 100 000 Ma ruble... Kutalika kwakukulu ndi eyiti miyezi.

Ngati mukufuna kuchepetsa mtengo wogulitsa ngongole, mutha kubweza patsogolo pa nthawi, ku Alfa-Bank ntchitoyi ndiyothekadi kwaulere.

5) Bank of Moscow

Apa perekani kudzuka 100 masauzande ma ruble kwa aliyense amene wafika 21zaka zakale. Chiwerengerocho chimasiyanasiyana 23,5 kale 49,9 pachaka. Monga mphatso kwa wobwereka, banki imapereka kiredi.

Chosavuta chokha chobwereketsa apa ndikofunikira kusonkhanitsa zikalata zooneka.

Kuphatikiza pasipoti, mungafunike:

• chiphaso choyendetsa ndi zikalata zamagalimoto;
• ma risiti olipira ntchito zosiyanasiyana zapakhomo;
• Satifiketi ya SNILS;
• lipoti la kubanki la miyezi isanu ndi umodzi yapitayo.

Chifukwa chake, kuchuluka kwa mabanki omwe amapereka ngongole popanda ziphaso ndi ma guarantors sikochepa. Ngati mwasankha kulumikizana ndi imodzi mwama kampani omwe akuyimiridwa pamndandanda wathu, tikukulangizani werengani mwatsatanetsatane momwe angongolepomuchezera tsamba lake.

Kuphatikiza apo, mutha kutumiziranso kumeneko ntchito yoyambirirapotero kupulumutsa nthawi yochuluka.

Timalimbikitsanso kuti tiwerenge nkhani yathu komwe mungapeze ndalama ngati mabanki onse ndi ma microloans akana.

Funso 2. Kodi mungalembetse bwanji ngongole ya ogula ku Sberbank pa intaneti?

Posachedwa, anthu ochulukirachulukira akugwiritsa ntchito mwayi wawo wofunsira ngongole ku pa intaneti... Ntchitoyi imakuthandizani kuti musayime pamizere, potero mumapulumutsa nthawi. Nthawi yomweyo, zofunsira patsamba la banki zitha kupangidwa nthawi iliyonse osachoka kwanu kapena kuofesi.

Iwo amene asankha kufunsira ngongole kwa ogula ku Sberbank ayenera kukumbukira kuti bungweli lili ndi zofunika zazikulu kwa omwe amabwereka. Kuphatikiza pa mbiri ya ngongole nawonso azikumbukiridwa mulingo ndi kukhazikika ndalama... Ichi ndichifukwa chake simuyenera kutaya nthawi mukapita kuofesi, ndibwino kuti mudzaze zolemba zanu zapaintaneti patsamba la banki.

Dinani pagawo la "Ngongole", tsatirani ulalo wa "Tengani ngongole ku Sberbank", konzani zikalata ndikudzaza fomu

Ntchito yonseyi singatenge kupitirira kotala la ola limodzi. Nthawi yomweyo, mu ntchito yabwino, simungangosankha njira yabwino yobwereketsa, komanso kuwunika momwe mungakwaniritsire ndalama.

Chowonadi ndi chakuti pambuyo poyambitsa nthawiyo ndi kuchuluka kwa ngongole yomwe akufuna, malipirowo amawerengedwa nthawi yomweyo, komanso kulipira kwakukulu.

Nzika zomwe zikukwaniritsa izi zingalembetse ngongole ku Sberbank:

• zaka - osachepera 21 zaka, koma osati zochulukirapo 65 zaka patsiku lakutha kwathunthu;
• kupitiriza kugwira ntchito kwa chaka chimodzi;
• ukalamba pantchito yomaliza osachepera 6 miyezi.

Kumbukiranikuti kwa iwo omwe amalandila malipiro pa khadi la Sberbank, zofunikira zimamasulidwa. Pomaliza, ndikokwanira kugwira ntchito kwa miyezi itatu, ndipo kupitilira pantchito kuyenera kukhala osachepera miyezi isanu ndi umodzi.

Kuti mumalize kugwiritsa ntchito, muyenera kusankha pulogalamu yobwereketsa ndikudziwika bwino ndi mawu ake Pambuyo pake, mafunso amafunsidwa. Mukamanena mawuwo, chonde dziwani kuti sangadutse zisanu zaka.

Mukadzaza funsoli, muyenera kutumiza ku banki podina batani loyenera. Nthawi yolingalira ndi kuchokera 2 maola kale 2 masiku... Wopemphayo adzadziwitsidwa ndi telefoni kapena imelo.

Ngati yankho ndi zabwino, kuti amalize kulembetsa ngongole, atsala kuti ayendere kuofesi yakubanki ndi zikalata zofunika. Pachikhalidwe, izi zimaphatikizapo pasipoti ndi zikalata zotsimikizira ndalama. Nthawi zambiri, kwa ogwira ntchito, ichi ndi satifiketi yolipirira kuchokera kuntchito.

Chifukwa chake, kufunsira ngongole ku Sberbank kudzera pa intaneti kumachepetsa njira zopezera ngongole. Simuyenera kuwononga nthawi ndikuyimiranso pamizere. Mukakanidwa ngongole kubanki, ndiye kuti mutha kutenga ma microloan pa intaneti pa khadi mumphindi 5 osayang'ana mbiri yanu ya ngongole ndipo mosakayikira popanda kukana kuchokera ku umodzi mwa mabungwe azachuma (MFOs).

Funso 3. Momwe mungapezere ngongole kwa ogula?

Kutsegulira wochita bizinesi payekha (kuchita bizinesi payokha), mwatsoka, sikukutanthauza kufunikira kopeza ndalama zobwerekedwa. M'malo mwake zosiyana ndizowona - zosowa zawo zikuwonjezeka, chifukwa munthu amene akuchita bizinesiyo samangofunikira zofuna zake zokha, komanso bizinesi yawo. Nthawi yomweyo, kupeza ngakhale ngongole yoyambira ya wochita bizinesi nthawi zambiri kumakhala kolimba ndi zosiyana kuchokera kulembetsa kwa wogwira ntchito.

Vuto lalikulu kwambiri kwa amalonda payekha ndiloti zimakhala zovuta kuti atsimikizire ndalama. Kuphatikiza apo, kupanga phindu pochita bizinesi sikutsimikizika. Nthawi yomweyo, mabanki amasamala za omwe angabwereke omwe ndalama zawo sizikudziwika.

Njira zopezera ngongole pazosowa zaogula za wochita bizinesi payekha (munthu aliyense payekha)

Njira yothetsera izi kwa wochita bizinesi ingakhale kulembetsa ngongole yangongole... Poterepa, bungwe loyang'anira ngongole silichita cheke chokwanira cha wobwereka, mwina sangadziwe kuti wopemphayo ndiwodzigwira.

Kuchokera pazolemba zomwe mungofunikira pasipoti ndipo chikalata chachiwiri (ndipo mutha kuyisankha pamndandanda waukulu), ndalama zomwe mumapeza sadzafunika.

Mukamafunsira ngongole yofulumira, banki nthawi zambiri imangoganizira zakuti pali kulembetsa kwokhazikika, komanso kuti palibe mbiri yakale yolipira ngongole.

Komabe, kubwereketsa ndalama kumakhala ndi zovuta zina. - iyi ndi chiwongola dzanja chachikulu komanso ngongole yaying'ono. Nthawi zambiri sizingatheke kutenga ma ruble opitilira 30,000, ndipo chiwongola dzanja chimatha kufikira 50% pachaka.

Musaiwale za cholinga chobwereketsa. Ngati wochita bizinesi akufuna kugula kwakukulu, mutha kulembetsa ngongole yamphatso mwachindunji sitolo... Nthawi yomweyo, kuwunika kwathunthu kwa wobwereka sikuchitika. Banki imapanga chisankho mwachangu, zomwe zikutanthauza kuti sikhala ndi nthawi yodziwa kuti wogulayo adalembetsa ngati wochita bizinesi payekha.

Ngati mukufuna ndalama ndipo ndalamazo ndizokwanira, muyenera kuyesa kupeza ngongole ya ogula njira yachikhalidwe... Ndikofunikira kufotokoza moona mtima patsamba lofunsidwa kuti ntchito ya wofunsayo ndi yotani kuchita bizinesi.

Ndikofunika kuti tisatchule mulimonsemo ngati cholinga chobwereka chitukuko cha bizinesi... Poterepa, zitsatira kuleka... Ndi bwino kulemba mtundu pafupi kwambiri ndi wogula - tchuthi, kukonza, ndi zina zambiri.

Poterepa, mwachidziwikire, muyenera kupereka chidziwitso. Nayi vuto lina. - Amalonda ambiri amanyalanyaza dala ndalama kuti athe kulipira misonkho pang'ono momwe angathere. Sizokayikitsa kuti banki ibwereketsa kwa wochita bizinesi yemwe ndalama zake ndizochepa kwambiri.

Ndi phindu lokwanira pakulengeza, wochita bizinesi atha kudalira ngongole ya pafupifupi 150,000 ma ruble. Nthawi yomweyo, chiwongola dzanja cha amalonda payekha sichitsika kwambiri. Nthawi zambiri amafikira 25%.

Ngati mukufuna kupeza ngongole yokwanira, muyenera kupereka lonjezo kapena chitsimikizo... Pachiyambi choyamba, malo aliwonse omwe adalembetsedwa kwa nzika payekha ndioyenera. (Itha kukhala galimoto kapena nyumba).

Ngati aganiza kuti apereke chitsimikizo, ziyenera kudziwika kuti wochita bizinesi yemweyo sangakhale woyenera pano. (Tiyenera kupeza nzika yotere yomwe imagwirira ntchito ntchito ndipo itha kupereka satifiketi ya malipiro kuchokera kwa owalemba ntchito).

Chifukwa chake, ndizovuta kwambiri kufunsira ngongole kwa wabizinesi payekha kuposa kwa munthu amene wagwiridwa ntchito. Komabe, palibe chosatheka. Muyenera kuyesetsa pang'ono.

Mwa njira, amalonda aliyense atha kugwiritsa ntchito njira yobwerekera kuti agule magalimoto kapena zida zamabizinesi. Takambirana kale pamalingaliro obwereketsa magalimoto anthu ndi mabungwe azovomerezeka munkhani imodzi yapitayi.

Funso 4. Momwe mungapezere ngongole kwa ogula zaka 5-7-10-15 ndipo pali zovuta zina kuti mupeze ngongole yanthawi yayitali?

Ngongole za ogula kwakanthawi sizikhala ndi kusiyana kwakukulu pamapangidwe kuchokera kwa omwe adatenga miyezi ingapo. Nthawi zambiri, ngongole zotere zimaperekedwa zolinga zenizeni.

Chifukwa chakufunika kwakukulu kwa ngongole zazitali, lero zitha kupezeka m'mabanki ambiri. Tiyenera kukumbukira kuti chiwongola dzanja m'mabungwe osiyanasiyana angongole chimatha kusiyanasiyana.

Tiyenera kukumbukira kuti nthawi yomwe ngongole idalandilidwa, chiwongola dzanja chake chidzakhala chachikulu... Chifukwa chake, ngongole za 5 zaka zimaperekedwa pafupifupi 15% pachaka, ndi 10 zaka - pansi 20% pachaka, ndi zina zambiri. M'mabanki ena, ngongole zazitali zimaperekedwa pamlingo wambiri 50%. Chifukwa chake, kuti musadabwe mosasangalatsa, ndikofunikira kuti muphunzire zofunikira zonse za ngongoleyo PAMBUYO mphindi yakugwiritsa ntchito.

Ndizachilengedwe kuti ngongole zazitali zimaperekedwa pokhapokha ngati pali zikalata zambiri.

Pachikhalidwe, ngongole zoterezi zitha kupezeka mwa kupereka:

• Pasipoti yaku Russia ndi sitampu pamalo olembetsa kwamuyaya;
• chikalata chachiwiri posankha wobwereka (zoyendetsa, SNILS, TIN kapena zina);
• satifiketi ya malipiro mwa mawonekedwe a 2-NDFL kapena pamakalata a banki yomwe.

Zowonjezera zimadalira pamalipiro a ngongole ndipo ndizosiyana pamlandu uliwonse. Monga umboni wa malo antchito, mabanki ambiri amafuna buku la ntchitowotsimikizika ndi wolemba ntchito.

Ngakhale pangakhale kuti ngongole sizikupereka chikole, mabungwe ena angongole amafunika kuti atumize zikalata zanyumba ya wofunsayo (nthawi zambiri galimoto kapena nyumba)... Poterepa, fayilo ya mwayi wosankha bwino, popeza pali chitsimikizo cha kubwereka kwa wobwereketsako. Izi zikutanthauza kuti kuchokera pakuwona kwa banki, chiopsezo chosabweza ndalama chimachepetsedwa.

Tiyenera kumvetsetsa kuti ngongole zanthawi yayitali nthawi zonse zimakhala ndi chiopsezo chachikulu kubanki. Wogulitsa ngongole amazindikira kuti pakapita nthawi yayitali, solvency ya wobwerekayo ikhoza kusintha - itha kutero kuwombera kapena ali serious kudwala... Zikatero, malowo amakhala ngati wowonjezerapo zina, chifukwa pakachitika zinthu zomwe sizingakonzeke, wobwereketsayo azigulitsa.

Zindikirani! Mosiyana ndi zomwe ambiri amakhulupirira, sikofunikira kwenikweni kupereka lipoti la ndalama kuti mupeze ngongole yanthawi yayitali. Komabe, zidzakhala zosavuta kupeza chisankho chabwino ndi iye.

Yatsani 5 mawuwa amatamandidwa ndi mabanki ambiri akulu. Pezani omwe amapereka ngongole 7 zaka ndizovuta kwambiri. Yatsani 10 Zaka zambiri komanso ngongole zambiri za ogula zimaperekedwa ngakhale kangapo. Nthawi zina amatha kuperekedwa ngati okwera mtengo kukonza kapena kugula galimoto.

Kuti mupeze ngongole yanthawi yayitali, muyenera kuchita zingapo motsatizana:

1. Kulembetsa ntchito. Pali njira zingapo. Mutha kupita kuofesi ya banki, kudzaza mafunso, kusamutsa zikalata zofunikira kwa wobwereketsa. Komanso, mabanki amakono ambiri amapereka kutulutsa kugwiritsa ntchito intaneti osayendera nthambi mwachindunji patsamba lawebusayiti. Nthawi zina mumayenera kutsitsa jambulani kapena khalidwe chithunzi cha zikalata... Poterepa, ntchitoyo imatumizidwa mwachindunji ku dipatimenti yowunikiranso.
2. Kulingalira kwa ntchito. Pambuyo pomaliza kulembetsa, banki imasanthula zomwe wopereka ngongole adapereka. Pomwe ngongole ikukonzekera motalika, cheke chimakhala chowopsa kwambiri. Mabanki ambiri amayang'ana mbiri ya ngongole mwa kufunsa zambiri kuchokera kwa BKI (credit bureau). Mabungwe ena obwereketsa amapanga zisankho mwachangu - pasanathe tsiku limodzi. Komabe, nthawi zambiri pobwereketsa kwanthawi yayitali, wopemphayo amapatsidwa yankho pasanathe masiku awiri. Mwa njira, mutha kudziwa kuti ndi mabanki ati omwe samawona mbiri ya ngongole ya obwereketsa munkhani yathu.
3. Kutsiliza mgwirizano. Ngati banki yavomereza zabwino chisankho, muyenera kusaina contract. Musanalembe siginecha yanu, ndikofunikira kuti muwerenge mosamala mfundo zonse za mgwirizano, makamaka magawo omwe adasindikizidwa zolemba zazing'ono... Apa ndipomwe zambiri zokhudzana ndi zolipira zobisika zimapezeka.
4. Kulandira ndalama. Kutengera ndi ngongole, ngongole zitha kuperekedwa ngati ndalama kudzera kwa wobweza kapena kusamutsira ku khadi yakubanki.

Ndalamazo zikalandilidwa, zimangotsala kuti zithandizire ngongolezo mwaluso kwambiri, ndiye kuti, azilipira mwezi uliwonse munthawi yake. Izi zikapanda kuchitidwa, banki imatha kulipiritsa chindapusa, zilango ndi kulanda, zomwe zikutanthauza kuti ndalama zonse za ngongole ziwonjezeka.

Funso 5. Kodi mungatani kuti mutengere ngongole yanu?

Poyesera kuti atenge ngongole, aliyense wanzeru amayesetsa kuti abwereke mlingo osachepera... Anthu ambiri amakhulupirira kuti ndizosatheka kukopa kuchuluka. Komabe, pali malamulo angapo, kusungidwa kwawo komwe kumakuthandizani kuti muchepetse ndalama mukalandira ngongole.

Ngati mukufuna kugula katundu pangongole, musanapemphe ndalama kubanki, muyenera kufunsa ndi omwe amagulitsa m'sitolo za mwayiwu zigawo... M'malo mwake, amatengedwa ngati kuchotsera pamtengo wa katunduyo mu chiwongola dzanja. Kwa kasitomala, zikuwoneka ngati ngongole yopanda chiwongola dzanja, zomwe ndizachilengedwe yopindulitsa.

Njira zotengera ngongole kwa ogula ndi chiwongola dzanja pa chiwongola dzanja chochepa

Pali njira zingapo zochepetsera chiwongola dzanja ngakhale mutakhala kuti mukufuna kubweza ngongole ndalama zikutanthauza.

Pali zosankha zingapo pankhaniyi:

1. Choyamba, muyenera kuyamba poyerekeza momwe ngongole zimakhalira m'mabanki osiyanasiyana. Tiyenera kukumbukira kuti nthawi zambiri zinthu zimakhala bwino kwambiri mu malo omwe ngongole zimasinthidwa. Chifukwa chake, ndizomveka kuyamba ndi bankiyi, popeza taphunzira momwe zinthu zimayendera anthu ogwira nawo ntchito. Muyeneranso kulabadira zosiyanasiyana magawo odula magawo, omwe mabanki amagwiritsa ntchito madzulo atchuthi osiyanasiyana. Kwa magulu ena a nzika (ogwira ntchito bajeti, opuma pantchito), mitengo yocheperako imaperekedwa m'mabungwe ena angongole. Ndiyeneranso kudziwa za izi pasadakhale.
2. Njira yachiwiri yochepetsera chiwongola dzanja ndikutola zikalata zonse momwe zingathere. Za ngongole, zomwe zimafunikira pasipoti yokhayo, chiwongola dzanja ndichokwera kwambiri. Kulibwino kuti muzikhala kanthawi kochepa, konzekerani satifiketi, buku la ntchito. Poterepa, kuchuluka kudzakhala kotsika. Mutha kuchepetsanso mitengoyi pobweretsa zikalata zingapo kunthambi ya banki, kutsimikizira kupezeka kwa katundu (malo kapena galimoto). Kuphatikiza apo, mutha kukopa guarantor yemwe ali ndi ndalama zokhazikika.
3. Powerengera kuchuluka kwa ngongole, munthu ayenera kusankha zinthu zomwe zingachitike kuti wolipirayo azilipira. Poterepa, nthawiyo iyenera kukhala yocheperako. Izi ndichifukwa choti kufupikitsa nthawi yakukhwima, kumachepetsa chiwongola dzanja.

Chifukwa chake, ngati mukufuna kupeza ngongole ya ogula pamtengo waukulu, ndikofunikira kugwiritsa ntchito mwayi uliwonse kuti muchepetse mtengo wogwiritsira ntchito.

Chimodzi mwazinthu zazikulu zomwe zingachepetse ndalama kwambiri ndi chiwongola dzanja... Mutha kusunga ndalama zambiri pogwiritsa ntchito malangizo omwe ali pamwambapa.

Funso 6. Ngongole yopanda chitetezo ya ogula - zikutanthauza chiyani?

Sikuti aliyense amadziwa kuti ngongole yopanda chitetezo ya ogula ndiyotani, komanso zomwe zimawoneka. Nthawi yomweyo, ngati mukufuna ndalama zobwerekera kuti musankhe pulogalamu yabwino kwambiri, ndikofunikira kuti mumvetsetse kusiyana pakati pamitundu yosiyanasiyana.

Ngongole yopanda chitetezo ndi ngongole yokhudzana ndi ogula osiyanasiyana, kulembetsa komwe sikutanthauza kukhala ndi katundu ngati chikole, komanso kuyitanitsa othandizira.

Njirayi ndiyabwino ngati pangafunike kubwereka ndalama mwachangu komanso popanda zovuta zosafunikira.

Zina mwazinthu zosatetezedwa, izi zingasiyanitsidwe:

• ngongole ya ndalama kapena kusamutsira kuakaunti kudzera mu ngongole;
• ngongole zogulira zinthu zosiyanasiyana, zoperekedwa m'masitolo;
• makhadi ndi pasipoti yokhala ndi yankho pompopompo.

Musanayese kuyitanitsa ngongole yosatetezedwa, ndikofunikira kumvetsetsa zomwe mabanki amapereka kwa omwe angabwereke ndalama ngati izi. Mfundo zazikuluzikulu ndi izi:

1. azaka zapakati pa 23 mpaka 55, kawirikawiri mabanki amalola kuti ngongole ziperekedwe kwa anthu opitilira 18, komanso ochepera zaka 70;
2. kulembetsa kwamuyaya (kulembetsa), kubweza ngongole kwakanthawi ndizosatheka, nthawi zambiri kulembetsa kuyenera kukhala mdera lomwe pali nthambi ya banki;
3. Utali wonse wantchito nthawi zambiri umayenera kukhala osachepera miyezi 12, pomaliza - osachepera miyezi isanu ndi umodzi;
4. kutsimikizira solvency, wobwereka ayenera kupereka zikalata zosachepera. Chifukwa chake, ngati mukufuna kutenga ngongole, mufunika lipoti la ndalama zonse;
5. Amuna azaka zakubadwa - mpaka zaka 27 ayenera kuwonetsedwa ku banki ID yankhondo;
6. Mabanki ambiri amafunikira kupezeka kwa foni yolumikizirana yolumikizirana - wantchito, kunyumba kapena abwenzi ndi omwe mumawadziwa.

Kwa obwereka omwe alibe ndalama zokwanira kuti alandire ngongole, mabungwe ambiri angongole amapereka mwayi wokopa ngati wobwereka okwatirana... Tiyenera kumvetsetsa, komabe, kuti ayeneranso kukwaniritsa zofunikira zonsezi.

Ndizosowa kwambiri kuti mabanki atulutse ngongole popanda chikole amafunikira zikalata zochepa - pasipoti. Nthawi zambiri, mufunikanso kuti:

• chiphaso chachiwiri;
• buku la ntchito;
• chitsimikiziro cha ndalama - satifiketi ngati banki, 2-NDFL kapena kuchokera ku Pension Fund ya Russian Federation, yochokera kuakaunti iliyonse ya banki (kuphatikiza khadi).

Ndikofunika kumvetsera mwatcheru ku mawu a ngongole. Chimodzi mwazinthu zofunika kwambiri ndi chiwongola dzanja cha ogula ngongole... Kawirikawiri amawerengedwa payekha, malingana ndi deta zosiyanasiyana zomwe wobwereka amapereka.

Komabe, pali njira zina zochepetsera mtengowo ngakhale mutapempha ngongole popanda chikole:

1. kutenga ngongole kubanki komwe mumalandira malipiro;
2. mbiri yabwino kwambiri ya ngongole;
3. Kulembetsa inshuwaransi yamoyo, komanso matenda omwe amatsogolera olumala.

Zina zofunika pakubwereketsa osatetezedwa ndi monga - ndalama zobwerekedwa... Nthawi zambiri zimayamba kuchokera ku ruble 15,000., kutalika kwake kumafikira nthawi kuchokera 0.5 miliyonimpaka 1.5 miliyoni rubles. Nthawi zambiri mawuwa amafikira zisanu zaka, kangapo - Zisanu ndi ziwiri.

Kwa iwo amene akufuna kulandira ngongole popanda chikole kwa ndithu ndalama zambiri, ziyenera kudziwika kuti bungwe la ngongole lidzawona mozama kutsimikizika kwa zonse zomwe wopemphayo wapereka.

Nthawi zambiri, pambuyo pakuwunika, mabanki amafunikirabe chitsimikiziro chachikulu cha mwayi wolipira. Poterepa, chitetezo chitha kukhala zosadziwika... Ndiye kuti, ndikwanira kutsimikizira kupezeka kwa katundu, komanso kuthandizidwa ndi anthu okhwima, koma malonjezo ndi malonjezano sangapangidwe.

Kuphatikiza pa magawo onse omwe atchulidwa pamwambapa, zingakhale zothandiza kuphunzira zaubwino ndi zovuta za ngongole zosatetezedwa. Zina mwazabwino (+) ndi izi:

• kulembetsa mwachangu;
• palibe chifukwa chokwapirira chikole, komanso kupereka chikole;
• zolemba zofunikira;
• kugwiritsa ntchito molakwika ndalama.

Zoyipa za (-) ngongole zosatetezedwa ndi izi:

• kuchuluka kwambiri;
• m'masiku ochepa patsogolo;
• ndalama zochepa kuposa momwe zimakhalira ndi chitetezo.

Chifukwa chake, ndizotheka kupeza ngongole yosatetezedwa. Komabe, pamenepa, muyenera kutenga zikhalidwe zake mozama momwe mungathere, chifukwa nthawi zambiri zosapindulitsa kwenikwenikuposa ndi chikole.

Funso 7. Kodi nthawi yayitali kwambiri yobwereketsa ndalama ndi iti?

Pofunsira ngongole ya ogula, ambiri akudabwa kuti ndi nthawi yayitali bwanji yomwe angapezeke. Chizindikiro ichi ndi chofunikira chifukwa kutalika kwa nthawi yobwezera kumakhudza mwachindunji kukula kwa zolipiritsa pamwezi.

Kutalika kwa nthawi, ndizochepa zomwe muyenera kulipira. Poterepa, zachidziwikire, kulipira kwakukulu kudzafunika kwambiri. Koma wobwereketsa azitha kuwerengera ngongole yayikulu ndi zomwe amapeza.

Pachifukwa ichi, ndikofunikira kudziwa kuti nthawi yayitali bwanji yomwe ngongole ya ogula ingapezeke. Nthawi yolipira imadalira pazinthu zosiyanasiyana.

Zomwe zimatsimikizira kuti ngongole yayitali kwambiri kwa ogula - zinthu zofunika

Choyamba, nthawi yobwereketsa imatsimikiziridwa ndi ake cholinga... Chifukwa chake, ngongole, ngongole yomwe idaperekedwa chindapusa, Nthawi zambiri amaperekedwa kuti akhale 6 zaka... Ngati cholinga chopeza ngongole ndi perekani ulendo wanu wopita kutchuthi, ndizokayikitsa kuti ungapatsidwe zoposa 12 miyezi... Pazinthu izi, nthawi yobwereketsa siyotalika kwambiri, chifukwa chake ndikwanira kupeza ndalama zobwerekedwa mapasipoti ndipo lipoti la ndalama.

Lero ndizotheka kupeza ngongole kwa ogula kwakanthawi. Ikhoza kufikira zaka makumi awiri kapena ziwiri... Koma pamenepa mufunika perekani chuma chamtengo wapatali ngati chikole... Izi zitha kukhala zogulitsa nyumba, mwachitsanzo, malo kapena nyumba, kapena galimoto. Werengani za momwe mungapezere ngongole yotetezedwa ndi galimoto PTS munkhani ina.

Tiyenera kumvetsetsa kuti ngati sanalandire ngongole yomwe chikole chidaperekedwa, banki ili ndi ufulu wogulitsa katundu wofananira kuti abwezere ndalama zomwe adapereka. Chifukwa chake, simuyenera kuthamangira kukalandira ngongole kwakanthawi. Bwino ganiziraninso ndipo onaninso luso lanu lazachumamusanachite zoopsa ngati izi.

Komabe, ngongole za ogula kwakanthawi - 10 zaka ndipo zambiri, zilipo kuphatikiza... izo malipiro ochepa... Mwanjira ina, kutalikirana kwa nthawiyo, mwayi wochuluka woti wobwereka akhoza kukhala wokwanira kubweza mwezi uliwonse.

Anthu ambiri safuna kwenikweni kusankha ngongole, koma iyi ndi imodzi mwamagawo ofunikira kwambiri.

Kutengera teremu, pali:

• ngongole zazifupi - mpaka chaka;
• sing'anga-chimodzi kapena zitatu;
• Kutalika - kwakanthawi kopitilira zaka zitatu.

Kusankha komaliza m'magulu atatuwa, muyenera kuyang'anitsitsa mosamala momwe mungathere. Musaiwalekuti nthawi yayitali, kulipira kwakukulu kumakhala kwakukulu.

M'bukuli, tayesera kufotokoza momwe tingathere pankhani yobwereketsa ogula. Sitinangolankhula za zomwe zili, komanso zomwe ubwino ndipo zofooka kubwereka kotereku. Tidayesetsanso kupereka malingaliro amomwe mungapangire kuti mungapangire izi mopindulitsa.

Tikukulangizani kuti muwonere kanema wonena za ngongole ya ogula ndi zomwe muyenera kudziwa musanazipeze:

Timalimbikitsanso kanema pamutu wakuti "Momwe mungatengere ngongole kwa ogula ku banki":

Ndizo zonse kwa ife.

Tikukufunirani zabwino zonse pazochitika zanu zachuma! Mukasankha kupeza ndalama zofunika kubwereketsa, kumbukirani kuti zitha kuthana ndi zovuta zakanthawi. Komabe, ndi malingaliro olakwika pa ngongole, mutha kukulitsa mavuto anu.

Yesetsani kuyesa luso lanu mosamala momwe zingathere, ndiye kuti sipadzakhala zovuta!

Okondedwa owerenga magazini ya Ideas for Life, tidzakhala othokoza kwambiri ngati mungavotere nkhaniyi ndikusiya ndemanga zanu pamutu wofalitsa pansipa!

Onerani kanemayo: Dadaholiq Undiwazire Official video (Mulole 2024).