Ngongole (ngongole) yotetezedwa ndi PTS - malangizo amomwe mungatengere ngongole pansi pa PTS yagalimoto + mabanki TOP-4 okhala bwino

Send

Moni okondedwa owerenga magazini a Ideas for Life! Lero tikambirana pa ngongole ndi ngongole zotetezedwa ndi satifiketi yagalimoto (passport passport).

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

Munkhaniyi muphunzira:

Kodi ndikofunikira kulonjeza TCP kuti mutenge ngongole;
Kodi mikhalidwe ndi yotani kuti mupeze ngongole yotetezedwa ndi PTS komanso magawo olandila ngongole pasipoti yagalimoto?
Omwe mabanki amapereka ngongole zotetezedwa ndi PTS.

Kuphatikiza apo, kumapeto kwa nkhaniyi, mwachizolowezi timayankha mafunso omwe amafunsidwa pafupipafupi za ngongole ndi ngongole zomwe amatetezedwa ndi PTS.

Nkhani yomwe yaperekedwa ndiyothandiza makamaka kwa iwo omwe amafunikira ndalama, ali ndi galimoto, koma osafuna kugulitsa kuti apeze ndalama zofunika. Ngati izi zikukukhudzani, musataye nthawi yanu, yambani kuwerenga tsopano!

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Momwe mungapezere ngongole yotetezedwa ndi galimoto PTS ku banki ndi komwe mungapeze ngongole yapa ndalama pasipoti yagalimoto - werengani m'nkhaniyi!

1. Kodi ndizofunika kupeza ngongole (ngongole) yotetezedwa ndi PTS? 📑

Ambiri amasankha kutenga ngongole yotetezedwa ndi PTS (pasipoti yamagalimoto), pomwe sangapeze njira ina yopezera ndalama zofunika... Komabe, simuyenera kuyika pachiwopsezo galimoto kapena katundu wina ngati pali njira zina zobwerekera ndalama. Mutha kudziwa komwe mungapeze ndalama powerenga nkhani yapita.

Kuti musataye galimoto, yotetezedwa ndi ngongoleyi, muyenera kuyanjana ndi mabungwe angongole omwe ali ndi mbiri yabwino. Itha kulembetsa mwalamulo Ma IFI ndipo mabanki... Komabe, sikuti nthawi zonse omverawa amavomereza kubwereketsa ndalama pachitetezo chagalimoto, ndipo ntchito zamagulu azachuma sizotsika mtengo.

Chifukwa chakuchepa kwa mabanki ndi ma MFO, nthawi zambiri omwe amafunikira ndalama amatembenukira malo ogulitsira kapena makampani omwe mbiri yawo ndiyokayikitsa kwambiri. Zotsatira zake mwayi wokumana achinyengo azachuma kumawonjezera nthawi zambiri. Nthawi yomweyo, ngakhale makampani aboma atha kugwiritsa ntchito mwayi wopanda chiyembekezo wa obwereketsa, komanso kusowa kwawo ndalama.

Zofunika! Ngongole zotetezedwa ndi galimoto ziyenera kuperekedwa m'mabungwe wamba odziwika bwino. Izi zichepetsa mwayi woti pakachitika izi galimotoyo idzagulitsidwa kwa munthu wina pamtengo wotsika kwambiri. Komanso, simuyenera kudalira makampani omwe akuwoneka kuti ndiabwino kwambiri ndipo amapereka zinthu zosayenera.

Ndibwino kugwirizana nawo mabanki aboma... Makampani omwe ali ndi ndalama zambiri komanso ali ndi mbiri yabwino sangabwerere mwachinyengo. Sakuyesera kuti atenge galimoto kwa wobwereka, cholinga chawo ndikupeza ndalama zokhazikika.

Kwa makampani ngati amenewa chikole cha TCP ndi chitsimikizo chokha chobwezera ndalama zomwe adapereka. Pokhapokha mutagwirizana ndi makampani odalirika ndi pomwe mungakhale otsimikiza kuti ntchitoyo idzakhala yotetezeka komanso yopindulitsa kwa wobwereketsa komanso wobwereketsa.

Musanasankhe ngongole yokhazikika ndi PTS, ndikofunikira kuti muphunzire ubwino ndipo zofooka mapulogalamu otere.

Zina mwazabwino (+) ndi izi:

Kupereka chikole kumabweretsa kuchepa kwa mulingo. Kuphatikiza apo, ngakhale ochepa peresenti amatsogolera pakuchepetsa kwakukulu pamalipiro owonjezera;
Njira zolembetsa ndizosavuta - muyenera kupereka ziphaso zosachepera ndi zikalata;
Wobwereka atha kupitiliza kugwiritsa ntchito galimotoyo. Si galimoto yomwe idalonjezedwa kwa wobwereketsa, koma zolemba zake;
Chifukwa chopezeka chikole, nthawi yobwereketsa imawonjezeka. Zinthu zina zonse ndizofanana, izi zimabweretsa kuchepa kwa kukula kwa zolipira pamwezi, chifukwa, zidzakhala zosavuta kubweza ngongole;
Ngakhale iwo omwe ali ndi mbiri yoyipa ya ngongole amatha kubweza ngongole.

Ngakhale pali zabwino zambiri, ngongole yotetezedwa ndi PTS ili ndi zovuta zingapo.

Zowonjezera zina (-) zikuphatikizapo izi:

Pali chiopsezo chotaya galimoto yomwe wabwereka pakakhala kuti sangathe kulipira ngongole;
Katundu amaikidwa pagalimoto zomwe zikhala zogwira ntchito kwa nthawi yonse yamgwirizano wobwereketsa. Zikupezeka kuti wobwereka alibe ufulu wowononga galimoto - kugulitsa, kupereka kapena kuchita zina;
Mwini galimotoyo amakakamizidwa kuti ayigwiritse ntchito popanda dzina. Chifukwa cha izi, zovuta zimatha kubwera ndi kampani ya inshuwaransi pakagwa ngozi.
Simulandila mtengo wopitilira 50% wamagalimoto pangongole.

Pobwereketsa ngongole yotetezedwa ndi PTS, mabanki amapereka zofunikira zina pagalimoto yolandiridwa ngati chikole.

Makhalidwe otsatirawa amalingaliridwa:

zaka;
mtunda;
Zochita;
zofunika.

Njira yosavuta ndikutenga ngongole yotetezedwa ndi galimoto. Osakhala obwereketsa onse omwe amalandira magalimoto ngati chikole. Ngakhale angavomereze kuti apereka ndalama pachitetezo cha galimoto, zofunikira zazikulu zidzawonetsedwa pagalimoto.

2. Yemwe amapereka ngongole zotetezedwa ndi PTS - TOP-4 zosankha zomwe zingachitike 📋

Pali njira zingapo zopezera ngongole yotetezedwa ndi PTS yamagalimoto. Njira iliyonse ili ndi zake ulemu ndipo zofooka... Ndikofunikira kuphunzira mosamala zomwe mungachite kuti mupeze ngongole ndikusankha zomwe zikugwirizana ndi vuto lanu. Zotheka zosankha kuti mupeze ngongole yotetezedwa ndi PTS.

Njira 1. Mabungwe amabanki

Banki, yomwe ili ndi netiweki yayikulu, ndi bungwe lodalirika. Komabe, si mabanki onse omwe amavomereza kuti apereke ndalama pachitetezo cha galimoto. Ambiri aiwo, ngati avomereza chikole, amasankha kugwiritsa ntchito nyumba ndi zomangidwa... Takambirana kale izi m'nkhani yowunikira za ngongole zotetezedwa ndi katundu.

Ngakhale panali zovuta zina, m'mizinda ikuluikulu nthawi zonse mumatha kupeza mabanki omwe angavomereze kupereka ngongole yotetezedwa ndi PTS. Komabe, ziyenera kumveka kuti obwereketsawa awunikanso mosamala pempholi.

Njira yotsimikizira kuti akufunsayo ikuphatikizapo:

kuwunika mbiri ya wofunsayo;
kuwunika kovomerezeka kwa galimoto yoperekedwa ngati chikole;
kusanthula kwathunthu kwa solvency ya wopemphayo.

Chofunikira china popereka ngongole yotetezedwa ndi PTS kubanki ndi kupezeka kwa mfundo za CASCO... Ngati wobwereka alibe, muyenera kutenga inshuwaransi. Komanso, ena obwereketsa amafunanso kuti moyo ndi thanzi la munthu amene walandila ndalamazo zizitetezedwa.

Zofunika! Sikuti aliyense amadziwa, koma wobwereka ali ndi ufulu wokana kutenga inshuwaransi... Komabe, kuchita izi kumabweretsa chiwongola dzanja cha ↑ pa ngongole.

Ubwino (+) wofunsira ngongole kubanki ndi awa:

mtengowo ndi wotsika poyerekeza ndi obwereketsa ena;
nthawi yobwereketsa yawonjezeka;
ndizotheka kubweza ngongoleyo isanakwane.

Kuphatikiza apo, polola opalamula, mabanki amapatsa obwereka mwayi wokonza zomwe zachitikazo. Ngati ndi kotheka, mutha kufunsa kukonzanso ngongole... Galimotoyo idzatengedwa ikalonjeza ngongole ya kubanki kokha kwambiri ndi chigamulo cha khothi.

Zina mwazovuta (-) za ngongolezi ndi izi:

Sikuti magalimoto onse amavomerezedwa ngati chikole;
ngati kuli kotheka, galimotoyo idzagulitsidwa pamtengo wotsika mtengo.

Zosankha 2. MFOs (mabungwe azachuma)

Mabungwe azachuma atchuka kwambiri ku Russia posachedwapa.

Zina mwazabwino (+) zopeza ngongole zotetezedwa ndi PTS mu MFO ndi izi:

kuthamanga kwambiri - nthawi zambiri masana kapena maola angapo;
phukusi locheperako zikalata zofunika;
zofunikira zochepa pagalimoto yomwe idalonjezedwa.

Komabe, palinso zovuta kuipa - kumasuka kupeza ngongole yotetezedwa ndi PTS kumabweretsa mitengo yokwera kwambiri. Chidwi chimakhala chachikulu nthawi zambiri kuposa ngongole zofananira kuchokera ku mabanki. Mlingo ukhoza kufikira 10% pamwezi.

Mwayi mwa njirayi - kutha kupereka ngongole mwachangu (werengani momwe mungapezere nkhaniyi munkhani yolumikizira).

Njira 3. Malo ogulitsira pagalimoto

Malo ogulitsira magalimoto angapo ku Russia.

Ubwino wopeza ngongole m'mabungwe amenewa ndi:

zaka za wobwereka zitha kukhala zilizonse - ndizokwanira kufikira 18 zaka;
zikalata zochepa zofunika kulembetsa;
pafupifupi kulembetsa pompopompo - nthawi zambiri mkati mwa theka la ola;
kuwunika kwa galimoto kumalipira wobwereketsa;
ndizotheka kubweza ngongoleyo isanakwane.

Komabe, simuyenera kuganiza kuti malo ogulitsira ndi njira yabwino yopezera ndalama.

Zabwino zonse za wobwereketsazi zimakwaniritsidwa ndi zovuta zake:

chiwongola dzanja chachikulu kwambiri;
zilango zazikulu zakuchedwa.

Nthawi zina, mgwirizano umakhala ndi ufulu wa wobwereketsayo kuti aziyika galimoto pamalo oimikapo pakuchedwa koyamba kubweza.

Zosankha 4. Otsatsa ndalama payekha

Ogulitsa payekha samafunsa mafunso omwe angabwereke. Sasangalatsidwa ndi zaka, solvency ngakhale mbiri ya wobwereka mtsogolo. Komabe, pali mwayi waukulu wokumana zachinyengo... Zotsatira zake, mutha kutaya galimoto yanu osapeza ndalama.

Ndikoyenera kulingalira! Pofuna kuti musakhale ozunzidwa ndi osakhulupirika, muyenera kuwayang'ana pa intaneti.

Musaiwale kuti kuchuluka kwa kulandira ngongole kuchokera kwa anthu kudzakhala kwakukulu kuposa njira zina. Nthawi zambiri kuchuluka pachaka kumafika kapena kupitilira 100%. Chifukwa chake, ndikofunikira kugwiritsa ntchito ngongole kuchokera kwa anthu okha mwamavuto - pomwe sizinagwire ntchito m'makampani ena kuti apeze ndalama. Komanso, simuyenera kutenga ngongole ngati iyi kwa nthawi yayitali. Kuti mumve zambiri zamomwe mungatengere ngongole kwa munthu wachinsinsi kuti musalandire, tidalemba m'nkhani yomaliza.

Zofunikira pobwereketsa ngongole ndi kubweza zotetezedwa ndi PTS

3. Zoyenera kuchita pobwereketsa (ngongole) zotetezedwa ndi TCP - 3 zofunikira zofunikira 📃

Wobwereketsa aliyense payekhapayekha amakhala ndi zochitika zomwe zimapereka ndalama zotetezedwa ndi PTS. Komabe, pali zofunika zingapo zomwe aliyense amene amapereka ndalama amatsatira.

Chofunikira 1. Makonda agalimoto

Maganizo azaka zamagalimoto ndizosiyana kwa onse obwereketsa. Ena satulutsa ndalama magalimoto achilendo wamkulu 5 zaka ndi magalimoto apakhomowamkulu kuposa 3 za chaka.

Komabe, palinso obwereketsa ena okhulupirika. Kotero, Sobkmobank amatulutsa ndalama pachitetezo cha PTS zamagalimoto omwe ali ndi zaka sikudutsa zaka 19.

Koma pali zofunika pagalimoto zomwe zimafotokozedweratu ndi onse obwereketsa:

magwiritsidwe antchito amgalimoto;
Kusowa kwa zolakwika zakunja.

Chofunikira 2. Lamula ndi zikalata

Kuti mwayi wolandila ndalama pazachitetezo cha TCP udalidi, ndikofunikira kuwonetsetsa kuti zolembedwazo ndizolondola. Simungathe kutenga ngongole yotetezedwa ndi magalimoto achifwamba. Pasakhale mavuto ena ndi zakale za galimotoyo.

Chofunikira 3. Makhalidwe a wobwereka

Pokhudzana ndi obwereketsa, zofunikira za obwereketsa ndizofanana:

Nzika zaku Russia;
zaka zosachepera 21 zaka osatinso 65 zaka;
kulembetsa kosatha m'chigawo cha wobwereketsayo.

Kukhalapo kwa malo ogwira ntchito, komanso umboni wa ndalama, mwachikhalidwe zimafunikira kokha mabanki. Mabungwe ena nthawi zonse samakhala ndi chidwi ndi izi.

Podziwa zomwe zili zofunikira pakufunsira ngongole yotetezedwa ndi PTS, obwereketsa amachulukitsa mwayi wolandila ndalama.

Kuwongolera tsatane-tsatane momwe mungapezere ngongole yotetezedwa ndi galimoto PTS kwa obwereketsa

4. Momwe ngongole ingatetezedwe ndi galimoto PTS - masitepe 5 📝

Kuchuluka kwa ngongole yotetezedwa ndi TCP kumatsimikizika kutengera mtengo wamagalimoto, omwe atsimikiziridwa ndi katswiri chifukwa chakuwunika. Chifukwa chake, musanabwereke ngongole, ndibwino kuti galimotoyo ikhale yabwino kwambiri.

Kuti tichite zimenezi, m'pofunika kuchapa izo, kuyeretsa bwinobwino mu kanyumba, ndi kukonza zolakwika zazing'ono. Ngati mungatsimikizire kuti wobwereketsayo ndiwowona komanso kuti ndi wozama, mutha kukhala ndi mtima wokhulupirika kwambiri.

Obwereka omwe sakudziwa koyambira ayenera kuphunzira mosamala malangizo ndi sitepepansipa.

Gawo 1. Kusankha wobwereketsa ndikulemba fomu

Posankha komwe mungapeze ngongole yokhazikika ndi PTS, ndikofunikira kuwunika momwe zinthu ziliri. Ndikofunika kutembenukira kubanki kuti ikuthandizeni, makamaka popeza m'mizinda ikuluikulu yokwanira mutha kupeza izi.

Ngati, pazifukwa zilizonse, sizingatheke kuti muthe kubwereka ndalama kubanki, muyenera kuwunika bwino mbiri ya omwe angakubwerekeni.

Ngati mukufuna kulandira ngongole kuchokera ku MFI, ndikofunika kuti muyang'ane kaye kaye kupezeka m'kaundula pa intaneti ya Bank of Russia. Pakalibe bungwe lazachuma pazandandanda yomwe mukufotokozayi, simuyenera kulumikizana nayo.

Ngati apanga chisankho kuti alumikizane ndi malo ogulitsira malonda, Ndikofunika kuyiyang'ana pogwiritsa ntchito Tsamba la FTS... Komanso, pemphani upangiri kwa akatswiri a zamalamulo.

Lero, ngati mukufuna, mutha kuyitanitsa pa intaneti cheke chokwanira cha wobwereketsa.

Poyerekeza mabungwe omwe amapereka ngongole zotetezedwa ndi PTS, ndi bwino kupenda mosamala izi:

zachuma - makampani otchuka kwambiri amatumiza izi pagulu;
kuyerekezera zotsatira pogwiritsa ntchito zida zapadera zomwe zimakupatsani mwayi wosankha mapulogalamu obwereketsa omwe amakwaniritsa zofunikira za wobwereka;
kuwunika kwa mabungwe owerengera;
nthawi yovomerezeka pamsika wazachuma;
ndemanga za makasitomala pazantchito zangongole.

Mutha kuyitanitsa lero osati polumikizana kokha kuofesi ya wobwereketsayokomanso kuyendera tsamba lovomerezeka... Njira iliyonse ili ndi yake ulemu ndipo zofooka.

Mwa kutumiza pulogalamu kudzera pa intaneti, wobwereka yemwe angathe kubweza amafunikira nthawi yochezera ndikudikirira pamizere. Komabe, nthawi zambiri zimakhala zothandiza kukachezera wobwereketsa, kuti muwone momwe ofesi ikuonekera komanso komwe kuli ofesi, ndikulankhula ndi katswiri. Izi ndizowona makamaka posankha kubwereka ndalama. kudzera m'malo ogulitsira ndipo Ma IFI.

Gawo 2. Kuwunika kwamagalimoto

Kuyesa kwamagalimoto ndilovomerezeka mukamapereka ngongole yokhazikika. Poterepa, ndibwino kulumikizana ndi akatswiri odziyimira pawokha (pokhapokha, ngati izi sizikutsutsana ndi zomwe wobwereketsayo akufuna).

Nthawi zambiri, omwe amayesa kukongoza obwereketsa dala amanyalanyaza kufunika kwa galimoto. Zotsatira zake, galimoto imatha kuyesedwa pafupifupi Kutsika kawiri kuposa chenicheni... Popeza kuti ngongole imaperekedwa pafupifupi 60% kuchokera pamtengo woyesedwa, ngati sikutheka kulipira, wobwereka amalandidwa galimoto, atalandira ndalama zochepa kwambiri za izi.

Wowonetserayo samangokhala ndi chidwi ndi mawonekedwe a galimotoyo, komanso momwe amagwirira ntchito mwaluso. Ngati magawo onse ali abwinobwino, kuyezetsa sikungotenga maola ochepa.

Gawo 3. Kukonzekera zikalata ndikusainirana pangano la ngongole

Mndandanda wamakalata ofunikira kuti mupeze ngongole yotetezedwa ndi PTS umasiyana pamabungwe osiyanasiyana. Mabanki amafunikira phukusi lathunthu.

Pachikhalidwe, ngongole yopezeka ndi PTS, zikalata izi ndizofunikira:

Pasipoti yaku Russia;
chikalata chachiwiri;
buku la ntchito;
lipoti la ndalama;
PTS;
STS.

Mwayi wosankha bwino ungakhale wochuluka ngati mungaperekenso CASCO inshuwaransi.

Zikaperekedwazo, bungwe la ngongole lipanga chisankho pazofunsira. Ngongole ikavomerezedwa, gawo lotsatira lidzakhala kusaina pangano la ngongole. Zofunika werengani chikalatachi mosamala ndikuyesera kumvetsetsa mfundo iliyonse yomwe ilimo. Nthawi zambiri, obwereketsa achinyengo amapanga ndalama kuchokera kusasamala kwa obwereketsa.

Chidwi chachikulu chiyenera kulipidwa pazigawo zotsatirazi za mgwirizano:

mtengo wa mtengo weniweni;
kupezeka kwa ndalama zina zowonjezera ndi mabungwe;
kukula ndi zifukwa zowerengera chindapusa;
kuthekera ndi momwe mungabwezelere koyambirira.

Kuphatikiza pa mgwirizano wa ngongole, muyenera kusaina pangano lonjezo... Nthawi yomweyo, ndikofunikira kuphunzira za ufulu ndi maudindo omwe wobwereka amalandila molingana ndi mgwirizano womwe wamaliza. Chofunikanso ndi momwe wobwereka amatha kugwiritsa ntchito galimoto yake.

Gawo 4. Kulandira ndalama

Mukamapempha ngongole kubanki kawirikawiri, ndalama siziperekedwa monga ndalama. Zinalembedwa pa Chogoli kapena khadi la kubanki... Mukamaliza ndondomekoyi, ndi bwino kuti muyang'ane bwino khadiyo kapena mupemphe chikalata chotsimikizira kusamutsidwako. Kuchulukitsa kuyenera kufanana ndi zomwe zawonetsedwa pamgwirizano wa ngongole.

Ma IFI Amaperekanso ndalama potumiza mafoni. Masitolo m'malo mwake, amapereka ngongole ngati ndalama. Koma onsewo ndi ena nthawi zina amayesa kusamutsira kasitomala kwa magawo ena. Pofuna kupewa mavuto, ndibwino kuti musavomereze izi.

Gawo 5. Kubweza kwathunthu ngongole ndi kubweza kwa TCP

Mukasainirana pangano la ngongole, mabanki ndi mabungwe azachuma amapereka kwa wobwereketsayo ndondomeko yolipira... Ndikofunikira kutsatira mfundo ndi ndalama zomwe zakhazikitsidwa ndi chikalatachi. Ngati simutero, mudzayenera kulipira chindapusa... Kuphatikiza apo, izi zimabweretsa mavuto ndi mbiri ya ngongole.

Ndibwino ngati wobwereketsayo atabwereka wobwereketsayo m'njira zambiri zobwezera ngongoleyo. Poterepa, kasitomala ali ndi ufulu wosankha pawokha zomwe zikukwaniritsa zosowa zake.

Anthu ambiri amakhulupirira njira yobwezera yachikhalidwe - kudzera mwa osunga ndalama Nthambi za ngongole. Poterepa, wobwereketsa aperekedwa cheke, kutsimikizira kusungitsa ndalama. Makasitomala otsogola kwambiri amafuna kuti azisunga nthawi yawo, chifukwa chake amalipira ngongoleyo kudzera pa intaneti.

Malipiro omaliza akaperekedwa pa ngongoleyi, muyenera kuyenderanso ngongole yanu. Poterepa, ndikofunikira kuchotsa chobisalira mgalimoto ndikubwezeretsa PTS, yomwe idalonjezedwa.

Potsatira malangizo osavuta pang'onopang'ono, aliyense azitha kutenga ngongole yotetezedwa ndi PTS. Pambuyo pake, chinthu chachikulu ndikulipira zonse popanda kuchedwa. Njira iyi ithandizira kupewa mavuto, komanso kupanga mbiri yabwino ya ngongole.

5. Ndi banki iti yomwe imapereka ngongole yotetezedwa ndi PTS - TOP-4 mabanki otchuka 💰

Ku Russia, mabungwe ambiri obwereketsa ndalama ali okonzeka kupereka ngongole zotetezedwa ndi galimoto. Kwa iwo, kupezeka kwa ndalama m'mapulogalamuwa kumakhala chitsimikizo chowonjezeranso chobwezeredwa.

Wobwereka ayenera kumvetsetsakuti kwa iye ngongole yotetezedwa ndi galimoto si njira yabwino kwambiri. Pakakhala mavuto azachuma, mutha kutaya galimoto yanu mosavuta. Chifukwa chake, ngati mukufuna ndalama mpaka ma ruble 750,000 Ndikofunika kulingalira zosankha za ngongole wopanda kupeza.

Ngati ndalama zikufunika kwakanthawi kochepa, mutha kuyesa kutulutsa kiredi... Izi ndizosavuta chifukwa mabanki amakono amakono amapereka Nthawi yachisomo... Zimamveka ngati nthawi yomwe mutha kubweza ngongoleyo popanda chiwongola dzanja.

Mulimonsemo, kusankha banki ndi gawo lalikulu lomwe limafunikira nthawi yayikulu komanso khama. Popeza muyenera kusankha banki, werengani zolipira ndi chiwongola dzanja pa ngongoleyi. Poterepa, chowerengera chapaintaneti chithandizira pakuwerengera:

Kuwongolera ntchito yofunsira ngongole pachikole cha PTS, akatswiri nthawi zonse amalemba kuchuluka kwa omwe amabweza ngongole. M'munsimu muli mndandanda Mabanki a 4 ndi mawu abwino kwambiri okongoletsa ngongole.

1) VTB Bank yaku Moscow

Banki iyi imapereka mwayi wopeza ngongole pazofunikira mwachangu pamlingo kuchokera 13.9% pachaka. Zolemba malire ndalama ndi 3 000 000 Ma ruble... Opuma pantchito komanso ogwira ntchito zaboma atha kudalira zinthu zabwino.

Kuti mulandire ngongole ku VTB Bank of Moscow, lembani zolemba patsamba lino. Chisankho chidzapangidwa mkati mwa kotala la ola limodzi. Ngati zili zabwino, zitsalira kukachezera ofesi ndi zikalata zoyambirira, kupanga pangano la ngongole ndikulandila ndalama.

2) Alfa-Bank

Pali mapulogalamu ambiri obwereketsa omwe amafunikira pazofunikira zilizonse. Mutha kubwereka ku banki iyi kuchokera 300 000 kale 1 000 000 Ma ruble.

Ngati mungaganize zogwiritsa ntchito kirediti kadi, mutha kudalira nthawi yachisomo yayitali kwambiri - 100 masiku... Ngongole zabwino kwambiri kubanki zimaperekedwa kwa makasitomala omwe amalandila malipiro pamakadi ake.

3) Sovcombank

Ku Sovcombank, mutha kupeza ndalama zofunikira popanda chikole komanso chitetezo chamgalimoto.

Ngati ndalama zolandilidwa ngongole zikukonzekera kugulira galimoto yatsopano, mutha kugwiritsa ntchito pulogalamu yapadera - ngongole yogulira galimoto yatsopano yotetezedwa ndi yomwe idalipo kale. Pulogalamuyi mutha kupeza kale 1 000 000 Ma ruble pansi 17% pachaka. Ndalamazo ziyenera kubwezedwa mkati 60 miyezi.

Zofunikira pa Sovcombank pagalimoto yolonjezedwa:

kugwira ntchito;
palibe zododometsa;
zaka sizipitilira 19 zaka.

Zofunikira kwa wobwereka kuchokera ku ngongole ndizachikhalidwe. Chokhacho ndichakuti muyenera kupereka nambala yakunyumba kapena yakuntchito.

4) Renaissance Mawu

Apa kupereka 4 mapulogalamu akuluakulu obwereketsa... Nthawi yobweza ngongole zandalama imafika 3 zaka. Mtengo umayikidwa payekhapayekha, kukula kwake kochepa ndi 13,9% pachaka.

Kwa makasitomala wamba, opuma pantchito, komanso omwe apereka zikalata zina, banki ipereka ngongole zabwino kwambiri.

Posachedwa, mutha kupeza kirediti kadi, malire omwe amafikira 200 000 Ma ruble... Mtengo woyambira wazogulitsazi wakhazikitsidwa pa 24,99% pachaka. Nthawi yomweyo, pali nthawi yopanda chiwongola dzanja chofanana ndi 50 masiku.

Kuti zikhale zosavuta kuyerekezera mabanki omwe akuwonedwa, mawonekedwe akulu azinthu zomwe amapereka ngongole amaperekedwa patebulo.

Gome lofananirako la mabanki ndi momwe amakongoletsera:

№	Kuyendetsa ngongole	Kuchuluka kwa ngongole	Mtengo wa ngongole	Makongoletsedwe
1	*VTB Bank of Moscow*	3 miliyoni rubles	13.9% pachaka	Makonda kwa ogwira ntchito m'boma komanso opuma pantchito
2	*Alfa Bank*	1 miliyoni rubles ndi kirediti kadi; 5 miliyoni ya ngongole yandalama	Ndi khadi - 24.9% pachaka; Ngongole ya Ogula - 11.99%	Nthawi yayikulu chisomo ndi masiku 100
3	*Sovcombank*	1 miliyoni rubles	17% pachaka	Pali pulogalamu yobwereketsa kugula galimoto yatsopano yotetezedwa ndi yakale
4	*Mbiri Yachikulire*	200 zikwi ndi kirediti kadi; 700,000 yobwereketsa ndalama	13.9% pachaka pa ngongole kwa ogula makasitomala wamba; 24.9% - ndi kirediti kadi	Mawu okondera amakasitomala olipira

Mwa njira, tidalembanso za mabanki ati omwe amapereka ngongole ndi mbiri yoyipa ya ngongole ndikuchedwa mu chimodzi mwazomwe tidalemba kale.

6. Ndi nthawi ziti pomwe amakana kulandira ngongole zotetezedwa ndi PTS - 3 zochitika wamba 📛

Mabungwe angongole samalekana ndi ndalama zawo mosavuta. Afunikira chitsimikizo chokwanira kuti ngongole ibwezedwa. Mukamapanga ngongole yotetezedwa ndi PTS, zoterezi ndizoti galimoto... Wobwereketsa amafuna kuti akhale wamadzi. Izi zikutanthauza kuti galimotoyo iyenera kugulitsidwa mosavuta pamsika ngati ngongole siyaperekedwe.

Mwachitsanzo, lingalirani za mikhalidwe yomwe ingayambitsedi kukana popereka ngongole yotetezedwa ndi PTS.

Mkhalidwe 1. Galimoto ili pa bail kapena pomangidwa

Banki silivomereza ngati chikole ngati galimoto yomwe yamangidwa ndi akuluakulu ena kapena yomwe yalonjezedwa kale.

Ngati galimotoyo idagulidwa pansi pa pulogalamu yobwereketsa galimoto, ndipo wobwerekayo sanalipire ngongoleyo, siyilandiridwanso ngati chikole.

Mkhalidwe 2. Galimotoyi ndiyolakwika

Zachidziwikire, mutha kugulitsa galimoto yolakwika, koma nyimbo. Ichi ndichifukwa chake galimoto yotere silingalandiridwe ngati chikole.

Nthawi zambiri Mukamapempha ngongole yopezeka pagalimoto, mabanki amapereka zofunikira kwambiri pachikole. Izi sizikugwira ntchito kokha, komanso zaka zagalimoto. Zowona, zofunikira m'mabungwe angongole ndizosiyana.

Mkhalidwe 3. Galimotoyo siikhala ya wofunsayo potengera umwini wake

Wobwereka atapereka galimoto ngati chitetezo, chomwe amagwiritsa ntchito pansi pa loya popanda kulembetsanso umwini, adzalandidwa ngongole.

Komabe, malo ogulitsira ena amasiyanitsa. Mwachitsanzo, ngati pali mphamvu zambiri za loya kapena chilolezo kuchokera kwa mwiniwake, ngongole imatha kuperekedwa.

Kudziwa zomwe zingayambitse kukana pempho la ngongole yotetezedwa ndi TCP, mutha kuchitapo kanthu kuti muchotse. Izi zimawonjezera mwayi wovomerezedwa ndi ngongole.

7. Momwe mungachepetse zovuta mukamapeza ngongole (ngongole) yotetezedwa ndi TCP - maupangiri atatu othandiza совета

Mukalandira ngongole zotetezedwa ndi PTS, pamakhala zoopsa:

kutaya galimoto yanu;
khalani ozunzidwa;
kulipira ndalama zambiri ngongole.

Pofuna kupewa mavuto amenewa, muyenera kutsatira malangizo a akatswiri.

Malangizo ndi zidule zochepetsera zoopsa mukalandira chikole PTS chikole (ngongole)

Langizo 1. Muyenera kungogwirizana ndi omwe amapereka ngongole odalirika

M'mizinda ikuluikulu osankha obwereketsa ndi akulu kwambiri. Wina ayenera kutenga kusanthula kwawo ndikuyerekeza.

Okhala kumidzi yaying'ono nthawi zambiri palibe chomwe mungasankhe. Atha kulangizidwa kuti alumikizane ndi obwereketsa omwe akugwira ntchito m'maboma ndi zigawo.

Langizo 2. Mgwirizanowu uyenera kuyang'aniridwa ndi loya asanalembe

Pangano la ngongole limatha kukhala ndi mbuna ndi mbuna zochuluka. Kuti musalowe m'malo osasangalatsa, ndikofunikira kufunsa loya waluso za mgwirizano womwe usayinidwe.

Zofunika! Masiku ano, thandizo lalamulo lingapezeke patali pogwiritsa ntchito zida zapadera za intaneti. Akatswiriwo atenga chidwi cha wobwereka kuzinthu zokayikitsa zamgwirizanowu, komanso kuwunika ngati kampaniyo ili ndi ngongole ziti.

Langizo 3. Ndikofunikira kuwonetsetsa kuti mgwirizanowu ukuphatikizaponso kuthekera kokulira kwake

Mgwirizano wa ngongole ya MFO Nthawi zambiri amakhala ndi gawo loti atha kukulitsa. Makampani oterewa amakhala osangalala pokhapokha ngongole ikachuluka. Izi ndichifukwa chakukula kwa ndalama zawo pamikhalidwe yotere.

Mgwirizano wabanki kawirikawiri amakhala ndi mwayi wowonjezera. Komabe, ndizosavuta kukambirana ndi mabungwe angongole ngati awa. Iwo ali ofunitsitsa kupeputsa kwa obwerekera, kuvomera kutero maholide a ngongole ndipo kukonzanso.

Kutsata malamulo osavuta omwe afotokozedwa pamwambapa kumalola wobwereka kuti apewe mavuto akulu, ndikuchepetsa zovuta.

8. FAQ - Mafunso Ofunsidwa Kawirikawiri 🔔

Ngongole kapena ngongole yotetezedwa ndi PTS ndi ntchito yofunidwa, koma siyodziwika kwenikweni. Izi zikuyambitsa mafunso ambiri. Kuti musataye nthawi pakusaka, gulu la Maganizo a Moyo liyesera kuyankha otchuka kwambiri.

Funso 1. Kodi ndizotheka kutenga ngongole yotetezedwa ndi PTS kubanki popanda satifiketi ya ndalama?

Mabanki ambiri amafuna obwereketsa, akafunsira ngongole yotetezedwa ndi PTS, zikalata zotsimikizira kuchuluka kwa ndalama. Komabe, mutha kupewa kupewa izi.

Nthawi zambiri, ndimatha kuchita popanda satifiketi ya ndalama potsatira izi:

ndi mbiri yoyipa ya ngongole;
ngati mungalumikizane ndi banki yomwe malipiro ake amasinthidwa;
ngati galimoto ndiyofunika kwambiri kuposa kuchuluka komwe wobwereka amafunika.

Funso 2. Ndani angalandire ngongole (ngongole) mu ndalama zotetezedwa ndi PTS usana ndi usiku?

Amatha kupereka ndalama nthawi yayitali yotetezedwa ndi PTS mabizinesi azinsinsi... Mutha kuwapeza kudzera pa intaneti - pamagulu apadera, ndi m'malo ochezera a pa Intaneti.

Ndikoyenera kulingalira! Ndikofunika kutenga kulumikizana ndi obwereketsa achinsinsi kuchokera kuzinthu zapadera. Eni ake nthawi zambiri amayang'ana zomwe zafotokozedwazo.

Pamalo oterewa simungapeze ochezera nawo okha, komanso ake mlingo... Kuwunikaku kutengera zotsatira za mgwirizano wa wobwereketsa ndi omwe adabwereka kale. Komanso apa mutha kupeza ndemanga makasitomala.

Kuphatikiza pa osunga ndalama payekha, ngongole zimaperekedwanso usana ndi usiku ndi ena malo ogulitsira ndipo mabungwe azachuma... Mutha kuwapeza pa intaneti. Zowona, m'matawuni ang'onoang'ono kusankha kwa obwereketsa otere nthawi zambiri kumakhala kochepa. Tidalemba momwe tingapezere ngongole pa khadi nthawi yomweyo usana ndi kukana m'mabuku athu am'mbuyomu.

Aliyense akhoza kukumana ndi mavuto azachuma. Njira yosavuta yowathetsera ndi kwa iwo omwe ali ndi malo. Sikoyenera kugulitsa nthawi yomweyo galimotoyo. Ndikokwanira kugwiritsa ntchito ngongole yotetezedwa ndi TCP... Ngati mutha kubweza nthawi, mutha kukhala ndi galimoto yanu, ndikugwiritsa ntchito ngongole yonse.

Pomaliza, tikukulangizani kuti muwonere kanema wamomwe mungatengere ngongole (zotetezedwa) zotetezedwa ndi galimoto PTS (upangiri walamulo):

Ndizo zonse kwa ife. Tikufuna owerenga magazini azachuma a Ideas for Life kuti asakumane ndi zovuta zandalama, koma ngati zingachitike, kuti tiwathetsere ndalama zochepa kwambiri komanso kuchita bwino kwambiri.

Ngati muli ndi mafunso pa mutu wankhaniyo, afunseni mu ndemanga pansipa. Tilinso othokoza kwambiri ngati mungayamikire zinthu zathu ndikugawana malingaliro anu ndi ndemanga pamutuwu.

Send