Ma microloans paintaneti pa khadi - malangizo amomwe mungatengere ma microloan mumphindi 5 osayang'ana mbiri yanu ya ngongole + makampani TOP-7 popereka ma microloan mwachangu osakana

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Masana abwino, owerenga okondedwa a Magazini azachuma a Ideas for Life! Lero tikukuuzani komwe mungapeze ma microloan mwachangu pa khadi pa intaneti osayang'ana mbiri yanu yobweza ngongole popanda kukana mu mphindi 5-15.

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

Mukamaliza kuwerenga bukuli, muphunzira:

Kodi ndizotheka kupeza microloan pa intaneti ngati mbiri ya wobwerekayo yawonongeka;
Ndondomeko yotani yoperekera khadi yama microloan pompano popanda kukana ndikutsimikizira CI;
Mndandanda wa ma MFO pomwe ma microloans amaperekedwa mu mphindi 5, ngakhale zitakhala zovuta ndi mbiri ya ngongole;
Zomwe mungachite kuti mutenge ma microloan nthawi yomweyo kudzera pa intaneti;
Momwe mungagwiritsire ntchito moyenera pa intaneti.

Kuphatikiza apo, kumapeto kwa nkhaniyi, timapereka mayankho pamafunso omwe amafunsidwa kawirikawiri.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Momwe mungatengere mwachangu ma microloan pa khadi pa intaneti komanso makampani omwe amatulutsa ma microloans nthawi yomweyo popanda kukana ndikuwona mbiri ya ngongole kudzera pa intaneti - werengani m'magazini ino

1. Kodi ndingapeze microan yokhala ndi mbiri yoyipa yangongole ndi kuchedwa? 📉

Nthawi zambiri mwa anthu mwadzidzidzi pakufunika ndalama. Nthawi yomweyo, malipirowo atha kukhala akutali, ndipo abale ndi abwenzi nthawi zonse samakhala ndi ndalama zofunikira. Zikatere, njira yabwino kwambiri yothetsera vutoli ingakhale ngongole kuchokera kumabungwe azachuma (MFO)... Munkhani yapadera, tidalembanso zakomwe tingapeze ndalama ngati mabanki onse ndi ma microloans akana.

Kuchita ndi obwereketsa - mabanki ndipo Ma IFI amasiya zolemba pa mbiri ya wobwereketsayo. Ngati mukutsatira zomwe mukuyenera kuchita, perekani ndalama panthawi yake, mutha kuyembekeza kuvomerezedwa mukamabwezanso ngongole, komanso zina zabwino.

Nthawi yomweyo, zosiyana ndizowona. Ndiye kuti, kubweza ngongole mochedwa, komanso kukana kukwaniritsa zomwe akuyenera kuchita, zimawononga mbiri ya wobwereka. Pambuyo pake, zidzakhala zovuta kwambiri kupeza ngongole.

Likukhalira kuti mbiri ya ngongole ndi chizindikiro chomwe chikuwonetsa mbiri ya wobwereka. Ndipamene iye amabanki ndi ena obwereketsa amatsogoleredwa akaganiza zofunsira kuti apeze ndalama.

koma kuwonongeka mbiri sataya mwayi wopeza ngongole. Msika wothandizira zachuma ndiwampikisano kwambiri. Polimbana ndi makasitomala, obwereketsa ena samakana kugwirizana ndi obwereketsa ngakhale ngati amalipira mochedwa.

Zovuta zakupeza ma microloans ngati mbiri yakale ya ngongole sizimachitika izi zikachitika.

Tiyeni tilembere pamndandandawu:

kuchedwa kunali kochepa;
Mukamapereka fomu yofunsira, palibe ngongole yomwe ilipo;
kuchedwa kunachitika pazifukwa zenizeni.

Ngakhale mutakhala ndi mbiri yayikulu, simuyenera kuganiza kuti simungapeze ngongole. Ndizotheka kuti ndizotheka kubwereka ndalama, koma kuchuluka kwa ngongolezo kumachepetsedwa.

Chifukwa chake, zitha kudziwika kuti Ma IFI nthawi zambiri amanyalanyaza kupezeka kwamavuto m'mbiri ya ngongole. Izi zikufotokozedwa mosavuta - alireza amadziwika ndi mitengo yokwera kwambiri.

Chiwerengerochi chimaphatikizapo, mwa zina, chiopsezo chosabwerera ndalama zoperekedwa ndi wobwereka. Chifukwa chake, kupereka ngongole, ngakhale kwa iwo omwe ali ndi vuto ndi mbiri yawo yangongole, sikuwononga kwambiri likulu la kampaniyo.

Nthawi zambiri, omwe angabwereke ndalama amatumizidwa kumakampani ngati mabanki ndi obwereketsa ena akukana kale kuwakongoza.

Makhalidwe ndi njira zoperekera ma microloans paintaneti popanda kukana komanso osayang'ana mbiri ya ngongole (CI)

2. Ma microloans omwe amapezeka pa intaneti ku khadi popanda kukana komanso osatsimikizika 💳 - mawonekedwe ndi njira zopezera

Chifukwa Ma IFI avomereze kupereka ngongole ngakhale patakhala zovuta ndi mbiri yawo yangongole, apa ndi pomwe omwe mwachangu amafunika ndalama.

Ubwino wobwereka uwu ndi motere:

mosiyana ndi kubwereketsa kubanki, simuyenera kutenga zikalata zambiri;
Njira zofunsira ntchito ndizosavuta momwe zingathere;
chisankho chimapangidwa mwachangu kwambiri.

Komanso, ndi otchuka kwambiri kuthekera kopereka ma microloans pa intaneti... Poterepa, simuyenera kuchoka kunyumba kwanu kapena kuofesi kuti mukalandire ndalama.

Ndikokwanira kupereka fomu yofunsira ndipo ngati ikuvomerezedwa, dikirani kuti mudzalandire ndalama pa khadi laku banki mu mphindi zochepa... Kuchuluka kwa ngongoleyo kugawidwa m'malipiro angapo omwe amayenera kulipidwa mwezi uliwonse.

Zomwe mungachite kuti mupeze ngongole pompano pa khadi kudzera pa intaneti:

Choyamba, munthu ayenera samalani kupezeka kwa khadi yakubanki. Lero, pafupifupi aliyense ali nawo, ngati palibe, mutha kulembetsa ku banki iliyonse. Moyenera, khadiyo imayenera kukhala yamalipiro apadziko lonse lapansi - Visa kapena MasterCard... Poterepa, ndalama zidzatchulidwa nthawi yomweyo. Komanso, khadi ziyenera kukhala zachinsinsi, ndi khalani ndi malingaliro ofunikira pazogulitsa pa intaneti - mwezi ndi chaka chakumapeto chakutsogolo, komanso nambala ya CVC (manambala 3) kumbuyo.
Nthawi yoganizira ntchitoyo ndi mphindi zingapo, nthawi zambiri osapitirira kotala la ola. Choyambirira, izi zitha kufotokozedwa ndikusowa kwa kulongosola ndi kusanthula mbiri ya ngongole. Kuphatikiza apo, ma MFIs nthawi zambiri amatulutsa ngongole pa intaneti makina oyang'anira okha... Poterepa, wobwereketsa apeza chisankho patangopita mphindi zochepa atatumiza pulogalamuyo.
Chokhacho ndicho kupezeka kwa intaneti. Kuti mutenge ngongole pa intaneti, palibe chifukwa chopita kuofesi yantchito yobwereketsa. Nthawi zambiri, pamakhala nthambi za MFO m'mizinda ikuluikulu yokha. Munthu aliyense waku Russia, ngakhale atakhala kuti, atha kutenga ngongole yapaintaneti mwachangu pa khadi.
Mwayi wokanidwa mukamafunsira ku MFI ndi wocheperako. Cholinga cha makampaniwa ndikupereka ngongole aliyense popanda kusiyanitsa... Alibe mwayi wofufuza mwachangu mbiri yawo yangongole, motero ngakhale munthu yemwe ali ndi mbiri yoyipa amatha kubwereka ngongole.

Mukalandira chilolezo, njira yakubweretsera ngongole yapaintaneti mwachangu ku khadi yakubanki imachitika.

Zimaphatikizapo magawo angapo:

Kuyang'ana khadi yakubanki kuti muone ngati mukutsata ngongole. Tidayankhula kale zakuti ziyenera kusinthidwa ndikukhala m'modzi mwamachitidwe apadziko lonse lapansi. Komanso, ma MFIs ena amafotokoza mtundu wa khadi yakubanki yomwe amapereka ngongole. Mamapu ali kubweza (amasunga ndalama za mwini wake), ngongole (yofuna kubwereka ndalama), malipiro (malipiro a olemba anzawo ntchito amawerengedwa kwa iwo). Ngati, malinga ndi microloan, sikutheka kupereka ndalama ku kasitomala wa kasitomala, muyenera kutsegula yatsopano.
MFI imafufuza khadi yakubanki. Kuti muchite izi, mutalowetsa deta yake m'malo oyenera pa khadi, ndalama zochepa zimatsekedwa (kawirikawiri sipadzakhalanso 10 Ma ruble). Kasitomala adzalandira SMS za ntchitoyi, kuwonetsa kuchuluka kwa ndalama zomwe zatsekedwa. Mtengo uwu uyenera kulowetsedwa patsamba la MFI.
Ngati chitsimikizocho chikudutsa popanda vuto lililonse, Ndalama zobwerekedwa zimatchedwa khadi yaku banki.

3. Komwe mungapeze ma microloan mwachangu pa khadi popanda kukanidwa ndi mbiri yoyipa yangongole mu mphindi 5 - kuwunika mwachidule ma TF-7 MFOs 📊

Lero pa intaneti mutha kupeza mwayi wambiri wopereka ngongole pompopompo. Zikatero, mutha kusokonezeka mosavuta, ndikupeza MFI yomwe imatsimikizika kuti imabwereka ndalama kumatha kutenga nthawi yambiri.

Chifukwa chake pansipa chaperekedwa mlingo 7 makampaniamene amapanga microloans yomweyo, pafupifupi osakana aliyense.

Kuti mumvetse bwino, mawonekedwe akulu a MFO akuwonetsedwa patebulo:

№	Dzina la MFO	Kuchuluka kwa ngongole	Peresenti patsiku	Zinthu zina zofunika
1.	NdalamaMan	Ma ruble 50,000	1,8%	Kuchuluka kwa ngongole masiku 126 Kuthekera kokuwonjezera kwakanthawi 1 mpaka 4 milungu
2.	Ndalama Zanyumba	Kwa nthawi yoyamba mpaka ma ruble 30,000, kenako - mpaka 50 zikwi	2,59%	Kukana kupereka kachikwama kakang'ono kumachitika osafotokoza zifukwa zomwe Ngongole ingatchulidwe ku khadi yakubanki, QIWI, WebMoney, Yandex Money
3.	Vivus	Ma ruble 15,000	1-1,5%	Wobwereka wazaka 18 mpaka 70 Ngongole imatha kuperekedwa ngati kulibe malo ogwira ntchito Kuthekera kokulitsa nthawiyo pokhapokha kulipira chiwongola dzanja
4.	Chidziwitso	2 - 8,000 ma ruble kwa makasitomala wamba - mpaka 200 zikwi za ruble	Ndi ngongole yoyamba 1.9%, ndi ngongole yotsatira - 1.6-1.8%	Ngongole imaperekedwa atakwanitsa zaka 21
5.	Ngongole ya Turbo	Pakuitana koyamba - ma ruble 5,000 Kupitilira - mpaka ma ruble 15,000	2,2%	Ngongole yamasiku 7-30 yokhala ndi kuthekera kokuwonjezera Mutha kupeza ndalama mumakhadi, pa khadi, kudzera muma wallet
6.	Nano-Zachuma	Ma ruble 50,000	Kuyambira 0,5% patsiku	Ophunzira, opuma pantchito, anthu osagwira ntchito amatha kutenga ngongole Kutalika kwakukulu - masabata 26 Mutha kulandira ngongole kuyambira zaka 22
7.	Ngongole Ya Lime	35 zikwi makumi khumi.	2.34% patsiku, kwa makasitomala wamba amachepetsa mpaka 0.8%	Kulingalira kwa ntchito za Wobwereka wazaka 23

Mwa njira, ndimabanki ati omwe amabwereketsa ngongole zomwe sizinalembedwe bwino ndikuchedwa, onani chimodzi mwazofalitsa zathu.

Malangizo ndi tsatanetsatane momwe mungatengere mwachangu ma microloan pa intaneti kupita ku khadi yakubanki popanda kukana

4. Momwe mungatengere ma microloan pa intaneti pa khadi yakubanki mwachangu komanso moyenera popanda kukana - njira zosavuta zisanu 📝

Mutha kutenga ngongole kuchokera ku MFI mkati mwa mphindi zochepa. Za ichi OSATI mumayenera kuchoka panyumbapo, kupita ku ofesi ya wobwereketsayo ndikuyima pamzere. Kuti mupeze ndalama ndikwanira kukhala nazo khadi la kubanki ndipo pafupifupi theka la ora nthawi yomasuka. Munkhani ina yamagazini athu, tidalembanso zamomwe tingatengere ngongole yokhudza ogula popanda chiwongola dzanja - werengani zambiri za izi ulalo

Njira zopezera ngongole ndizosavuta, muyenera kungoyenda pang'ono. Malangizo atsatanetsatane kwa omwe amafunsira ngongole koyamba aperekedwa pansipa.

Gawo 1. Kupeza khadi yakubanki

Zidzakhala zosavuta kupeza microloan ngati wopemphayo ali ndi khadi yakubanki. Mabungwe ambiri azachuma amavomereza kusamutsa ndalama ku mtundu uliwonse wamakhadi.

Komabe, ena a iwo amangolandila makhadi ena. Chifukwa chake, ndikofunikira kuti mumvetse khadi yomwe ilipo kale komanso ngati kuli koyenera kulumikizana ndi banki kuti mupeze yatsopano.

Pali mitundu itatu yamakhadi:

kubweza cholinga chake ndi kusunga ndalama za kasitomala;
makhadi a ngongole amagwiritsidwa ntchito popereka ngongole kubanki;
malipiro - amaperekedwa mogwirizana ndi mapulani a malipiro kwa ogwira ntchito m'makampani omwe achita mgwirizano woyenera ndi banki.

Ngati wobwereka mtsogolo kulibe khadi laku banki kapena mtundu wake sichikwaniritsa zofunikira Kupereka ngongole kwa MFOs, muyenera kubweza. Kuti muchite izi, sikofunikira kupita kunthambi ya banki, chifukwa mabungwe ambiri angongole lero amapereka perekani khadi pa intaneti.

Kuti muchite izi, ndikwanira kuti mupeze banki yoyenera, Lembani mafunso... Atatumiza, woimira banki amalumikizana ndi kasitomala. Ayenera kudziwitsidwa komwe wotumizirayo ayenera kubweretsa khadi ndi mgwirizano.

Ngakhale ikakhala kuti mukukhazikitsa khadi yokhazikika yobweza, muyenera kutero werengani mosamala mgwirizano... Pambuyo powerenga, mutha kusaina mgwirizano. Werengani za momwe mungapezere khadi yolipira ndi ntchito yaulere pa intaneti munkhani ina m'magazini yathu.

Poterepa, muyenera kuyang'ananso mosamala zomwe banki idalemba. Pambuyo pake, mthenga uja adzasiya kasitomala khadi yakubanki ndi mtundu umodzi wamgwirizanowo, atenga chikalata chachiwiri.

Mukamapereka khadi yakubanki, muyenera kudziwa bwino mitengo yolipirira ntchito yake. Choyamba, ndikofunikira kufotokoza ngati alipo ndalama zowongolera akauntikangati komanso amalipira ndalama zingati.

Zithandizanso kudziwa momwe zingakhalire kutulutsa ndalama - pomwe ma ATM mutha kuzichita popanda kutumizidwa, komanso ngati ali pafupi. Sizokayikitsa kuti aliyense angafune kulipira ndalama zochulukirapo chifukwa chobweza kapena kupita kumapeto ena a mzindawu kuti akapeze ndalama.

Gawo 2. Kusankha bungwe lazachuma

Kusankhidwa kwa MFO komwe ngongole idzaperekedwe kuyenera kuyankhidwa zambiri udindo.

Kutchuka kwa mtundu uwu wobwereketsa kwachititsa kuti lero mumsika wothandizira zachuma chiwerengero cha anthu ochita zachinyengo chawonjezeka kwambiri... Amakopa makasitomala awo mwa kuwalonjeza ngongole zokongola. Pambuyo pake, wobwereka amamva kuti magawo a ngongole ndiopindulitsa kwambiri kuposa momwe adalonjezedwera.

Kuti musakhale ovutitsidwa komanso osadzipangira mavuto, posankha MFI, muyenera kutsatira malamulo ochepa osavuta:

werengani mosamala zotsatsa pamsika;
kuthandizana ndi makampani odziwika omwe akhala akugwira ntchito kwanthawi yayitali;
werengani mosamalitsa mgwirizano musanasaine, samalani kwambiri kukhalapo kwa ngongole;
posankha MFO, muyenera kufunsa achibale anu ndi abwenzi omwe apereka kale ma microane;
werengani zambiri zomwe zaperekedwa kuma foramu, komanso kuwunika kwa makampani ang'onoang'ono.

Mwa njira, mabanki ndi anthu nthawi zambiri amachita nawo ntchito zopanga ma microloans. Koma polumikizana ndi banki, kupeza lingaliro loyenera pazofunsira kumakhala kovuta. Ngati chisankho chapangidwa kuti chikongoletsedwe kwa anthu, mwayi wokhumudwa kwa anthu achinyengo umakulitsidwa kwambiri.

Gawo 3. Kudzaza mafunso

Mukasankha MFO, mutha kupita patsamba lake ndikuyamba kudzaza mafunso... Nthawi zina, muyenera kulembetsa kaye.

Pakadali pano, muyenera kulowa Zambiri zakubwereka... Choyamba ndi dzina, dzina ndi dzina, pasipoti... Ma MFIs ena amafunikanso kudziwa za malo antchito, anthu olumikizana nawo. Nthawi zina, kale pa sitepe iyi, muyenera kuwonetsa nambala ya khadi laku banki.

Chofunikira pakupereka ngongole ndi kupezeka kwa foni yolondola... Chiwerengero chake chidzafunikiranso kulowa nawo.

Ambiri amaopa kuyika zidziwitso zawo pa intaneti, kuwopa kuti zingagwiritsidwe ntchito pazolakwa. Pofuna kupewa izi, muyenera kusankha obwereketsa odalirika. Poterepa, mutha kukhala otsimikiza kuti mgwirizano sudzaphwanyidwa ndipo zomwezo sizidzaperekedwa kwa ena.

Gawo 4. Chitsimikizo cha ntchito

Mukadzaza fomu yofunsira ngongoleyo ndikutumiza, uthenga udzatumizidwa ku nambala yafoni yomwe yatchulidwa. Makhalidwe omwe ali mmenemo ayenera kulowetsedwa m'munda woyenera.

Wobwereka ayenera kumvetsetsa kuti akalembera ngongole kudzera pa intaneti Khodi ya SMS yofanana ndi siginecha yolembedwa pamanja. Kulowetsa m'malo oyenera kumatsimikizira mgwirizano wa kasitomala ndi zomwe akufuna kubwereka.

Gawo 5. Kukonzekera ngongole

Ngati lingaliro labwino litapangidwa pempho la wobwereketsayo, m'mphindi zochepa azimupeza pangano la ngongole.

Ma MFIs ena amatumiza ndi imelo, mwa ena - chikalatacho chitha kupezeka mu akaunti yanu... Mgwirizanowu udzafotokozera mwatsatanetsatane mikhalidwe yonse ya ngongole yomwe adalandira, kuphatikiza kuchuluka ndi nthawi.

Mphindi zochepa atatumiza mgwirizano, ndalama zimasamutsidwa ku khadi yakubanki. Ngati khadiyo ndi imodzi mwamachitidwe apadziko lonse lapansi, kulembetsa kumachitika nthawi yomweyo.

Chifukwa chake, njira yofunsira ma microloan kudzera pa intaneti ndiyosavuta. Sizitenga nthawi yayitali, pafupifupi zokwanira 15 mphindi kuti ndalamazo ziperekedwe ku khadiyo.

5. Momwe mungakwaniritsire bwino kugwiritsa ntchito intaneti pazinthu zazing'ono kudzera pa intaneti - malamulo ofunikira ndi malingaliro 📋

Anthu ambiri amaganiza kuti tizilombo tating'onoting'ono titha kuthana ndi mavuto atafunikira ndalama zochepa kwakanthawi kochepa.

Pali zabwino zingapo zama microloans:

Poyerekeza ndi ngongole kubanki ali ndi njira yolembetsa yosavuta komanso yofulumira. Wobwereka sayenera kutola zikalata zambiri, kufunafuna ma guarantors, kutsimikizira kupezeka kwa katundu ndi ndalama zokhazikika.
Nthawi yomweyo poyerekeza ndi kubwereka ndalama kwa abale kapena abwenzi microloan ndichinthu chofananira pokwaniritsa mgwirizano ndi kuvomereza udindo wolipira. Makhalidwe abwino pakadali pano mulibe, simuyenera kumva kuti mukukakamizidwa ndi china chake.

Komabe, musanapemphe zinthu zazing'ono, muyenera kuganizira momwe mulili pachuma. Ndikofunika kuwunika ngati ndalama zikufunika zokwanira kupirira zovuta anayankha Izi zikuphatikiza:

chiwongola dzanja chachikulu;
kufunikira kobweza ngongoleyo mwachangu.

Zikuwoneka kuti ndizomveka kupeza ngongole yaying'ono kokha pakafunika ndalama zochepa ndipo pali chidaliro kuti zitha kubwezedwa masiku akubwerawa.

Lero kupeza ngongole ku MFO chosavuta momwe zingathere. Kuti mubwereke ndalama, simukufunikanso kuchoka panyumba ndikukhala pamzere kuofesi ya wobwereketsa.

Ma MIs ambiri amapereka makasitomala lembani fomu yofunsira ngongole pa intaneti patsamba la kampani. Njirayi ichepetsa njira yobwereketsa kwa wobwereka komanso wobwereketsayo.

Mukamaliza kulemba fomu yofunsira pa intaneti, mutha kusankha njira yolandila ndalama:

ndalama kunthambi ya MFO;
mthenga amene adzapereke ndalama kunyumba kwanu kapena kuntchito kwanu;
kugwiritsa ntchito njira yosinthira ndalama (mwachitsanzo, Lumikizanani);
posamutsira ku khadi yakubanki;
ndalama zamagetsi kuchikwama chamunthu.

Tiyenera kukumbukira kuti sizingatheke kupeza ngongole yayikulu kwambiri kudzera pa intaneti. Nthawi zambiri mutha kupeza osatinso 10-15 zikwi ma ruble.

Mulimonsemo, ngongole imayamba ndikulemba fomu. Ndikofunikira kuti mumvetsetse kuti ma MFIs otchuka amalandila mapulogalamu ambiri tsiku lililonse, chifukwa chake muyenera kuyeserera.

Kuti apange chisankho chofuna kupereka ngongole kapena kukana, akatswiri a MFO amachita kusanthula zazidziwitso zomwe zagwiritsidwa ntchito (kugoletsa).

Njirayi imaphatikizapo magawo angapo:

Mapulogalamu omwe amalandiridwa kuchokera kwa anthu omwe ali mndandanda wakuda wa MFO amawunika;
Kulondola kwa zomwe zafotokozedwazo kumayang'aniridwa;
Kuyerekeza magawo omwe asankhidwa a ngongole (makamaka kuchuluka kwake) ndi solvency yowonetsedwa ndi wobwereka.

Ma MFIs ambiri amagoletsa ntchito za makasitomala osakhudzana ndi zofunikira zaumunthu pogwiritsa ntchito zida zamapulogalamu. Chifukwa chake, kuti mudutse cheke, chinthu chachikulu ndikulowetsa mosamala deta weniweni mufunso lofunsidwa.

Mapulogalamu ogoletsa gwirani ntchito yofunika kwambiri - amachotsa ofunsira omwe alibe chikhumbo ndi ndalama kubweza ngongoleyo munthawi yake.

Lamulo loyambira lomwe lingakuthandizeni kupeza zabwino yankho ndikufikira pakudzaza mafunsowo modekha komanso chidwi.

Malangizo oyambira mukamagwiritsa ntchito intaneti ya microloan

Kuphatikiza apo, muyenera kutsogozedwa ndi malamulo ena ochepa:

Osapereka zambiri zabodza. Simuyenera kutenga ngongole zadummy, chifukwa izi zitha kutha;
Osasokonezedwa panthawi yodzaza, ndikofunikira kuyang'ana kwambiri momwe zingathere. Zolakwitsa zochepa ndikuwongolera komwe kumachitika, ndizotheka mwayi wopeza ngongole;
Fotokozerani zambiri. Chiwerengero chochepa cha malo omwe akusowa komanso opanda kanthu amalola wobwereketsa kuweruza kutseguka kwa kasitomala, komanso kusowa kobisa chilichonse chofunikira;
Tchulani pazipita ojambula. Ma adilesi, manambala amafoni a abale kapena omwe mumawadziwa angafunike. Ndikofunikira kuwonetsetsa kuti anthu okwanira amasankhidwa kukhala anthu olumikizana nawo;
Yendetsani bwino ndalama zanu. Mukamanena za ngongole yobwereketsa, muyenera kufotokoza kuchuluka komwe kudzabwerenso kumapeto. Momwemo, kukula kwa ngongoleyo, poganizira zolipira kwakukulu, kuyenera kukhala kotheka kuti ikhoza kubwezedwa kuchokera kumalipiro amodzi kapena awiri.

Zikhala zothandiza kudziwa zomwe mukufunikira kuti mudzaze pulogalamuyi. Zitha kukhala zosiyana mu ma MFO osiyanasiyana, komabe, pali zambiri zomwe zidzafunike mosalephera:

zambiri zaumwini - Dzina lathunthu, tsiku ndi komwe adabadwira;
Zambiri za pasipoti (mndandanda ndi nambala, liti ndipo ndi ndani adatulutsa);
ojambula - adilesi, nambala yafoni, imelo;
magawo a ngongole - kuchuluka, nthawi, njira yolandirira.

Muthanso kufunikira zambiri zakupezeka kwakulembetsa, malo antchito, kuchuluka kwa ndalama. Izi zimakupatsani mwayi woti muwonetsere kubweza ngongole.

Zolinga, pamaso pake pomwe padzakhala chisankho choyipa pazofunsira:

kusowa nzika zaku Russia;
kusowa kulembetsa ku Russia;
Kusagwirizana ndi zaka zakubadwa mu MFOs.

Mukatumiza pulogalamuyi, nthawi zambiri imachitika kuyimbira kuchokera kwa katswiri wa kampani wobwereka. Cholinga cha zokambiranazi sichokha fotokozani bwino mfundo zosamveka bwino, komanso yesani momwe akumvera wobwereka.

Mafunso a akatswiri akuyenera kuyankhidwa modekha komanso moona mtima, koma kuyesera kufotokoza izi mwabwino kwa iwo eni.

Ngati wogwira ntchito ku MFI afunsa zakupezeka kwa mbiri ya ngongole, palibe chifukwa chonama. Ngati akukayika, atha kumveketsa zomwezo mumphindi zochepa.

Ndikoyenera kutchula za kupambana kwa mgwirizano pakati pa ma MIs ena. Zidziwitso zoterezi zithandizanso kwa kasitomala, chifukwa zidzalola kuweruza kulondola kwake komanso chidziwitso cha machitidwe ogwirizana ndi makampani ofanana.

6. Momwe mungakulitsire mwayi wopeza ma microloan - upangiri wa akatswiri 📑

Ambiri omwe akufuna kubwereka nkhawa ali ndi nkhawa kuti apanga chisankho chiti pakufunsira kwawo. Mutha, inde, kulumikizana ndi kampani ina. Komabe, izi ndizodzaza ndi zina zowonjezera nthawi ndi minyewa.

M'malo mwake, wopempha aliyense ali ndi mwayi wowonjezera mwayi wosankha bwino. Kuti tichite zimenezi, mokwanira kumvera malangizo a akatswiri.:

Njira yabwino - Lemberani ma microloan m'mabungwe angapo nthawi imodzi. Ngati yankho labwino likuchokera ku ma MFIs angapo, mutha kukana zotsatsa zochepa.
Onetsetsani kuti muli ndi ndalama zambiri. Kulipira ngongole sikuyenera kukhala kopitilira 30-35% ya ndalama pamwezi. Ngati simukutsatira lamuloli, sikuti kungokanidwa kukalandidwa kokha, komanso mavuto azachuma atha kubuka.
Muyenera kulemba ntchitoyo mosamala momwe mungathere. Ngati pali zolakwika mu zomwe zaperekedwa, MFO ikana kupereka ngongole.
Ngati muli ndi maakaunti pamawebusayiti, muyenera kuwalumikiza ku akaunti yanu ya MFO. Izi ziwonjezera mwayi wosankha bwino. Chowonadi chiripo chinthu chimodzi - chidziwitso ndi zithunzi mwa iwo ziyenera kukhala zenizeni komanso zokwanira. Ngati patsamba pali zithunzi zolaula komanso kulumikizana, ngongoleyo ingakanidwe.
Ndikofunika kuyika satifiketi yotsimikizira kuchuluka kwa ndalama pazomwe mukugwiritsa ntchito. Ngakhale pena chikalatachi sichili chololedwa, kupezeka kwake kudzakhala m'manja mwa wopemphayo.

Potsatira malangizo awa osavuta, mutha kukulitsa mwayi wovomerezedwa ndi pulogalamuyi.

7. Mayankho amafunso omwe amafunsidwa pafupipafupi (FAQ) pama microloans 📃

Microloans ndi otchuka kwambiri masiku ano. Komabe, njira yobwereketsayi imadzetsabe mafunso ambiri. Kupeza mayankho kwa iwo kumatenga nthawi. Chifukwa chake, kuti tithandizire owerenga athu ntchito, mwachizolowezi timayankha mafunso osangalatsa kumapeto kwa bukuli.

Funso 1. Kodi mungatulutse bwanji microloan ku Sberbank khadi?

Sberbank ndiye banki yotchuka kwambiri ku Russia. Chifukwa chake, nzika zambiri zadziko lathu zili ndi makhadi ochokera ku banki iyi. Ndi zachilengedwe nthawi zambiri momwe ofunsira ambiri amafuna kuti abwereke ngongole kwa iye.

Kuti mutenge ngongole ku khadi la Sberbank zinali zenizeni, ziyenera kukhala zachinsinsi komanso kukhala m'modzi mwamachitidwe awiri apadziko lonse lapansi - Visa kapena MasterCard.

Ndikofunikanso kukhala ndi tsatanetsatane wofunikira pa khadi - nthawi yoyenera ndipo Ndondomeko ya CVC... Ngati zonse zakwaniritsidwa, ngongole ikavomerezedwa, ngongoleyo imalandiridwa ku khadi lotere nthawi yomweyo.

Kuti mulandire ndalama kudzera mu MFO ku khadi ya Sberbank, sikofunikira kupita kuofesi ya kampani. Njira zonsezi zitha kuchitika popanda kusiya kwanu kapena kompyuta yakuntchito.

Poterepa, muyenera kudutsa njira zingapo zosavuta:

Pezani obwereketsa oyenerera mu injini zosakira ndipo mulembe mndandanda wawo;
Pitani patsamba la ma MFO omwe mwasankha kuti mudzidziwe bwino za microcredit;
Lembetsani patsamba lomwe mumakonda (mutha kugwiritsa ntchito masamba angapo nthawi imodzi), pitirizani kudzaza ntchitoyi;
Lowetsani zofunikira;
Mukamasankha njira yolandirira ndalama, onetsani "ku khadi yakubanki";
Zimatsala kudikira yankho la MFI. Izi zimatenga pafupifupi mphindi 15. Ngati chigamulocho chinali chovomerezeka, muyenera kulemba khadi lanu laku banki pazenera lapadera;
Mu mphindi zochepa mutha kuwona khadi yanu yakubanki ndikupita ku ATM kuti mupeze ndalama.

Mndandanda wa ma MFO otchuka kwambiri omwe amatha kubwereketsa ngongole ku khadi la Sberbank:

Moona mtima;
MoneyMan;
Platiza;
Vivus.

Mndandandawu sungatchulidwe wokwanira. Ngati mukufuna, mutha kupeza makampani ambiri ofanana pa intaneti.

Funso 2. Momwe mungatumizire ntchito yapaintaneti ya microan ku Moscow?

Njira zopezera ma microloan kudzera pa intaneti sizosiyana kwambiri ndi ma MFIs ambiri. Muyenera kulemba ntchitoyo mokwanira komanso molondola momwe mungathere, tumizani ndikuyembekezera yankho.

Kupanga pulogalamu yapaintaneti yama microloan kudzera pa intaneti

M'makampani ambiri, mapulogalamuwa ndi ofanana kwambiri, koma nthawi zina pamakhala zovuta zina. Chofunika kukumbukira ndikuti simuyenera kuyika zinthu zabodza.

Zachidziwikire, ndikosavuta kuti musadzaze fomu yanu nokha, koma kuti mulumikizane Mlangizi wa MFI... Komabe, pakadali pano, muyenera kupita kunthambi ya kampaniyo, yomwe siikhala yabwino nthawi zonse (makamaka ku Moscow ndi kuchuluka kwa magalimoto).

Kuti mutenge ngongole pa intaneti, simuyenera kupita kulikonse. Ndikokwanira kupeza kompyuta kapena chida china ndi intaneti.

Anthu ambiri amaganiza njira yabwino kwambiri yopezera ndalama pazinthu zazing'onozing'ono khadi la kubanki... Ma MFIs ambiri amagwira ntchito ndi makhadi amachitidwe olipirira MasterCard ndipo Visa... Poterepa, ndalama zimatamandidwa mphindi zochepa. Sizingatheke kuti pakadutse maola angapo kuchokera nthawi yosaina panganolo mpaka ndalama zitalandilidwa.

Tiyenera kukumbukira kuti ndizochepa kwambiri, koma mutha kupezanso makampani omwe amagwirizana ndi makhadi Maestro... Koma pakadali pano, ngongole iyenera kudikirira 2-5 masiku.

Kupeza ndalama pa khadi yakubanki ndikotchuka, koma osati njira yokhayo. Muthanso kutengapo ngongole:

kusamutsira ku banki za akaunti ya wobwereka;
kudzera mu zikwama zamagetsi;
ku foni yam'manja;
mwa dongosolo la positi;
kudzera mu machitidwe olipira Contact, Zolotaya Korona;
ndalama kudzera pa desiki ya ndalama ku nthambi ya MFO.

Pofuna kupewa zolakwika polemba fomu yofunsira ngongole pa intaneti, ndi bwino kumvera malangizo awa:

Chonde perekani zodalirika. Osakokomeza ndalama zomwe mumapeza. Sizingatheke kuti kampaniyo iyang'ane malipiro a wobwereka. Koma zambiri zamapindu apakati pantchito zina mdera linalake ndizambiri.
Onetsani kuchuluka kwa ngongole. Mwachilengedwe, sizingatheke kupeza zochulukirapo kuposa malire omwe atchulidwa mu MFI. Koma osaneneza kuchuluka kwake ngati kuli kofunikira kuthana ndi mavuto. Ndikofunika kuwunika mozama momwe mungakwaniritsire kulipira.
Ngati pali gawo la "ngongole yobwereketsa", osasiya. Izi ndizosankha. Koma mukanena cholinga chokwanira, mwayi wopanga chisankho wabwino umakulanso.
Kukhwima kuyenera kuwonetsedwa m'njira zenizeni. Muyenera kuganizira za momwe ndalama zimalandirira, perekani tchuthi komanso kumapeto kwa sabata. Pambuyo pake, ndibwino kuti muwonjezere masiku angapo pakagwa zinthu zosayembekezereka.
Ndikofunika kuzindikira kuti malo olembetsera ndi malo okhala nthawi zambiri sagwirizana. Kulembetsa ndi adilesi yomwe imatsimikiziridwa ndi chidindo mu pasipoti.

Ngati adalembetsa ngati wochita bizinesi payekha kapena Lumikizanani nafe zikhalidwe za ma microloans ndipo za iwo ziyenera kuphunziridwa. Nthawi zambiri zimakhala zopindulitsa kuposa momwe zimakhalira kwa anthu.

Mwambiri, sizovuta kupeza ngongole ku Moscow online. Chinthu chachikulu ndikufikira nkhaniyi moyenera. Musaiwale kuti ndikofunikira osati kungopeza ngongole, komanso kuti muzitha kubweza ndiubwino.

Funso 3. Chingachitike ndi chiyani ngati simulipira ngongole zamagetsi zazing'ono?

Nthawi zambiri pamakhala, pomwe ma microloan sanabwezeredwe munthawi yake, ngongole idakula nthawi zambiri. Zachidziwikire, palibe amene ali ndi inshuwaransi pazinthu zomwe sizingatheke kubweza ndalama panthawi yake.

Koma ndikofunikira kukumbukira zina kuti mupewe zovuta:

Chidwi mu MFIs chimawerengedwa pamlingo watsiku ndi tsiku. Chifukwa chake, kuchedwa kwa masiku angapo kumatha kutenga ndalama zambiri.
Muyenera kuwerenga mgwirizano mosamala. Ndikofunikira kwambiri kuti muwerenge ndikukumbukira mfundo zokhudzana ndi zilango za omwe amalipira mochedwa.
Tengani ngongole nthawi yayitali komanso ndalama zomwe mungafunike. Izi zidzachepetsa kuchuluka kwa zolipira zochulukirapo.
Ngongoleyo iyenera kulipidwa mwachangu momwe zingathere. Ma MFIs ambiri amabwezeretsanso chiwongola dzanja pakubwezera ngongole koyambirira.
Ngati simungathe kubweza ndalama zanu munthawi yake, ndibwino kulumikizana ndi wobwereketsa ndikupempha kuti awonjezere. Nthawi zambiri, mumayenera kulipira ntchito ngati imeneyi kapena kulipira chiwongola dzanja chochuluka. Koma izi zili bwino kuposa momwe mungasungire ndalama zowonjezera.
Makampani ena amapereka zolipira pang'onopang'ono m'malo ovuta. Poterepa, chiwongoladzanja cha chiwongola dzanja chimayimitsidwa, ndipo kuchuluka kwa ngongole kumagawika m'magawo angapo.

Ndikofunikira kudziwa kuti ngati akukana kwathunthu kubweza ngongole, MFI ili ndi ufulu wofunsira kukhoti kapena kwa osonkhanitsa... Izi zidzakulitsa mkhalidwe wovuta kale. Kuphatikiza apo, kuchuluka kwa ngongole pamilandu iyi kudzakulanso.

Pachikhalidwe, mgwirizano umanena kuti ndalama zonse zalamulo zimakhala pamapewa a amene waphwanya malamulo ake. Ndipo ngati akukana kulipira, izi wobwereka.

Kumbukirani kuti ma MFIs adapangidwa kuti athandizire kuthetsa mavuto, osawapangitsa kuti awonjezeke. Chifukwa chake, ntchito zamakampaniwa ziyenera kugwiritsidwa ntchito mosamala.Pokhapokha akatero amakhala opindulitsa ndipo sangawononge kukhazikika kwachuma.

Funso 4. Kodi ndingapeze kuti microan popanda chiwongola dzanja ndisanalandire malipiro?

Posachedwa, malingaliro ochokera kumabungwe azachuma amatuluka kwambiri pezani ngongole popanda chiwongola dzanja... Pankhaniyi, ndalamazo zimaperekedwa pang'ono pokha ndipo kwa kanthawi kochepa (chomwe chimatchedwa kuti malipiro asanachitike).

Mutha kutenga ngongole ngati iyi m'njira ziwiri:

polumikizana ndi ofesi ya MFI;
mwa kulemba mapulogalamu pa intaneti.

Njira yachiwiri ndiyosavuta. Zimafunikira nthawi yocheperako kuchokera kwa wobwereka mtsogolo. Kuphatikiza apo, mutha kupeza ndalama osasiya kompyuta yanu, chinthu chachikulu ndikukhala ndi intaneti.

Kuti mupeze ngongole yopanda chiwongola dzanja, muyenera kudutsa magawo angapo:

Sankhani MFIkupereka ntchito yotere;
Phunzirani mawu obwereketsa. Ngati chigamulo chikuperekedwa kuti mupereke ngongole yopanda chiwongola dzanja, muyenera kuphunzira mosamala momwe chiwongola dzanja sichidzaperekedwa. Ndikofunikanso kumvetsetsa zomwe zimawopseza ngati izi zikuphwanyidwa. Nthawi zambiri, pakadali pano, chiwongola dzanja chimaperekedwa pamlingo wokulira. Tiyeneranso kukumbukira kuti ma microloans pa 0% nthawi zambiri amakhala malonda wamba. M'malo mwake, ngongoleyi iperekedwa malinga ndi kubweza kwa ma komishoni ena.
Lembani ntchito. Nthawi zambiri, mukamapempha ngongole yopanda chiwongola dzanja, pamakhala zofunika zazikulu kwa obwereka. Izi zikukhudza zaka, kukhala ndi ntchito, maphunziro... Kuphatikiza apo, nthawi zambiri amafunikira kulembetsa kwamuyaya m'dera la ngongole.
Yembekezani kuvomerezedwa. Nthawi zambiri, ma MFIs amatenga ngongole kwa pafupifupi aliyense, chifukwa sawunika mbiri yawo yangongole. Palinso mabanki omwe samayang'ana mbiri ya makasitomala awo.
Pezani ndalama. Njira yabwino kwambiri yopezera ndalama ndikusankha khadi la kubanki kapena ndalama zamagetsi... Koma zonsezi zimadalira zokonda za wobwereka.

Zimatsala kuti zibwezere ndalamazo munthawi yake kuti tipewe chiwongola dzanja. Mwa njira, ndibwino kufotokoza njira yobwezera ngongole pasadakhale. Pachikhalidwe, ma MFIs amapereka njira zingapo zomwe mungasankhe.

Osadikira mpaka tsiku lomaliza la kukhwima. Zidzakhala zokhumudwitsa kwambiri ngati mphindi yomaliza zidzapezeka kuti sizingatheke kubweza ngongole m'njira yabwino kwa wobwerekayo.

M'dzikoli muli mabungwe ambiri azachuma. Komabe, sikuti aliyense amatenga ngongole popanda chiwongola dzanja.

Pansipa pali mndandanda wa ma MFIs otchuka kwambiri omwe amapereka ngongole zopanda chiwongola dzanja:

EZAEM imapereka mwayi wopezera micoloan kwa nzika zakubadwa 20-65 zaka. Kuchuluka kwa ngongole kumatha kukhala munthawiyo kuchokera 2 kale 20 zikwi ma ruble... Okongoza atsopano okha ndi omwe angalandire ngongole yopanda chiwongola dzanja. Poterepa, chiwongola dzanja chachikulu kwambiri ndi 10 000 Ma ruble... Mukamafunsanso, ngongole zimaperekedwa pansi 2% patsiku. Muyenera kulipira ngongole mkati 14-30 masiku... Pali njira zingapo zolandirira ndalama ndikubweza ngongole: kugwiritsa ntchito khadi yakubanki, akaunti kapena chikwama cha Qiwi. Momwe mungatengere ngongole pa chikwama cha Qiwi popanda kukana nthawi yomweyo pa intaneti, tidakambirana mwatsatanetsatane munkhani yomaliza.

Viva Ndalama Amapereka mwayi wopeza ngongole yopanda chiwongola dzanja malinga ndi kulembetsa kumadera omwe kampaniyo ili ndi maofesi. Zaka zakubwereka ziyenera kukhala pakati 21 kale 70 zaka. Mutha kutenga ngongole pamtengo 1 000-40 000 Ma ruble, abweze zikutsatira Masiku 7... Mutha kulandira ngongole yovomerezeka kuofesi ya MFI kapena pa khadi laku banki. Ndondomeko yobwezera (kuchuluka ndi tsiku lolipira) imakhazikitsidwa payekhapayekha.

Mutha kupeza ngongole yopanda chiwongola dzanja osati ma MFO okha, komanso m'mabanki. Ambiri mwa iwo amapereka konzani kirediti kadi ndi nthawi yachisomo, pomwe chiwongola dzanja sichilipidwa.

Makhadi a ngongole zosavuta kuposa ma microloans. Amatha kujambulidwa pasadakhale, osadikirira kuti zovuta zitha, ndikugwiritsidwa ntchito pakufunikira.

Mukamapereka khadi yokhala ndi nthawi yachisomo, muyenera kufotokoza kupezeka kwa mabungwe - pazotulutsa ndikukonzanso, komanso kuchotsa ndi kusungitsa ndalama.

Mabanki otchuka kwambiri omwe amapereka ma kirediti kadi ndi nthawi yachisomo:

Banki Yachilimwe. Khadi yaikidwa komiti yolemba mu kuchuluka kwa ma ruble 300 mpaka 500 (kutengera mtundu wa khadi). Malire ochuluka a ngongole ndi 15 000 Ma ruble... Tiyenera kukumbukira kuti ngati ndalama sizibwezeredwa malinga ndi mgwirizano, chabwino... Ndikothekanso kuyambitsa ntchito yodziwitsa anthu za SMS pogwiritsa ntchito khadi. Mukamapereka fomu yofunsira, sikofunikira kutsimikizira kuchuluka kwa ndalama. Ndikokwanira kukwaniritsa zaka zakukhazikitsidwa: akazi kuchokera 18 kale 70 zaka, kwa amuna - kuchokera 21 kale 65.
Vanguard - CashBack. Nthawi yachisomo ya khadi ndi 50 masiku... Ngati panthawiyi ngongole siyobwezeredwa, chiwongola dzanja chidzapezeke pamlingo wa 21 kale 30% pachaka. Ndalama Zothandizira ndi ma ruble 1 100. Amalipidwa ntchito yochotsa ndalama 3-8%. Khadilo limatha kuperekedwa ndi nzika zoyambira 19 kale 58 zaka.
Alfa Bank. Nayi nthawi yayitali kwambiri chisomo - 100 masiku... Khadi limaperekedwa kwaulere, koma ntchitoyi imawononga ma ruble 1,290 pachaka. Mitengoyi ndiyambiri 26,99 kale 39,99 %. Khadi likhoza kupezeka ndi nzika za Russian Federation zomwe zatembenuka 21 chaka. Kupereka ndalama zomwe mumalandira kumakupatsani mwayi wopeza ngongole zambiri.

Kusankha njira yobwereketsa yopanda chiwongola dzanja yomwe mungakonde, mwanjira iliyonse kwa wobwereka yekha. Chofunika kwambiri ndichakuti chidwi chokwaniritsa ngongole zomwe akuyembekezeredwa chikwaniritsidwe.

Funso 5. Kodi ndizopindulitsa kutenga ma microloans kudzera mu Njira Yothandizira?

Kwa omwe adzalembetse omwe alibe khadi yakubanki kapena siyoyenera kulembetsa ngongole, MFI idapereka kuthekera kolandila ndalama pansi pa mgwirizano kudzera kulipira dongosolo Contact.

Poterepa, ngongole zizikhala chimodzimodzi ndi momwe mungaperekere ndalama ku khadi yakubanki. Kusiyana kokha ndiko kupeza ndalama. Kutumiza kukatumizidwa, wobwereka mu SMS adzabwera code yoyang'anira... Ndili naye komanso ndi pasipoti, muyenera kupita kumalo oyandikira a Contact.

Funso 6. Kodi mungapeze bwanji microloan pa Yandex Money?

Ma MFIs akulu kwambiri samapereka ngongole zovomerezeka ku chikwama Yandex ndalama... Palibe makampani ambiri omwe amapereka chithandizo chotere. Ngati adakanidwa ngongole, ndipo ndalama iyi yamagetsi ikufunika, muyenera kuyang'ana njira zina zolandirira ndalama.

Pali njira zambiri zofala:

Osinthanitsa amakulolani kusamutsa ndalama za njira imodzi yolipirira ina. Ndiye kuti, mutha kulembetsa ma microloan mu ndalama zina zamagetsi ndikusinthanitsa ndi Yandex. Poterepa, kukula kwa Commission kuyenera kuganiziridwanso;
Ndalama zochokera kwa anthu pawokha. Njirayi imapezeka pamaofesi ambiri azachuma. Muyenera kutenga ngongole zotere mosamala momwe mungathere. Ndizofala pano chinyengo... Izi ndizowona makamaka pakulipira pasadakhale pakuwunika ntchitoyo. Tidalemba momwe tingakonzekerere bwino ngongole kuchokera kwa munthu wachinsinsi motsutsana ndi chiphaso m'nkhani yomaliza.
Kutulutsidwa kwa khadi yolumikizidwa ndi akaunti ya Yandex Money. Chikwama chikatsegulidwa, mutha kuyitanitsa khadi la kubanki... Pambuyo popanga, imatumizidwa ku positi ofesi ku adilesi yaomwe amakhala ndi akaunti. Khadi ili lili ndi akaunti imodzi ndi chikwama cha ndalama cha Yandex. Ndipo mutha kuigwiritsa ntchito ngati khadi yanthawi zonse kubanki, kuphatikiza kutulutsa ma microloan m'malo mwake.

Njira yomaliza ndiyo yotetezeka kwambiri. Mwayi wachinyengo ndiwochepa pano. Zachidziwikire, izi ndizowona pakagwiritsidwa ntchito ma MFIs odalirika.

Chifukwa chake, ma microloans kudzera pa intaneti atha kukhala chipulumutso pamavuto. Chofunikira ndikuti muzigwiritsa ntchito mwanzeru, tengani munthawi zovuta kwambiri kuchuluka kocheperako... Ndiyeneranso kuwabwezera posachedwa.

Tikukulangizaninso kuti muwonere kanema wonena zama microloans - zomwe muyenera kudziwa musanazitenge:

Kodi mudakhalapo ndikukonzekera ma microloans pa intaneti ndipo mudakumana ndi zovuta zotani? [/ Sj_question]

Tikulakalaka owerenga magazini athu a Ideas for Life azichita bwino pankhani zawo zachuma! Zinthu zovuta kwambiri kwa inu pamene muyenera kutulutsa mwachangu ma microloans.

Tidzakhala othokoza kwambiri ngati mutagawana malingaliro anu, zokumana nazo ndi ndemanga pamutu wofalitsa mu ndemanga pansipa.