Kodi kutenga ngongole ngati onse adakana. Kodi kutenga ngongole ku Murmansk, Novokuznetsk, Izhevsk, Chelyabinsk?

Mawu - ichi ndi utumiki yabwino kwambiri nthawi anausankha munthu. Mosakayikira, ndi mtengo ndi nthawizonse zinadzala ndi zina ndalama. Komabe, timatha banki ngongole kugula chinthu, utumiki kapena item, ogulidwa ndi zomwe ndalama munthu ali osakwanira. Koma zoyenera kuchita ndi kumene kupeza ngongole ngati kulikonse ndi adakana?

N'chifukwa chiyani inu mukukana mabanki: chifukwa loyamba

Choyamba, tiyeni tiphunzire za zoyambitsa zotheka, chifukwa cha zomwe mudawatsutsa ndipo mabungwe a zachuma. Kotero, m'modzi wa ambiri si chogwilizana ndi kuchuluka kwa mlingo mumapeza. Pankhaniyi m'pofunika kudziŵa kuti pamaso wokongoza adzagwirizana kukupatsani zinafunika ngongole, iye ri kuchuluka kwa ndalama zanu. Tinganene, kumaphatikizapo ndalama munthu si wobwereka, komanso anthu onse m'banjamo akukhala nawo nyumba imodzi.

Pa nthawi yomweyo deducted kwa ndalama zimenezi mtengo wa zofunikira, misonkho zofunika zina. Chifukwa ndi kuchuluka kuti wobwereka angathe angakwanitse. Choncho, ngati ichi ndi kukhala osachepera chimene munthu akufuna kuti amatamanda, ndi momveka bwino, ndipo banki anakana. Chifukwa, wobwereka ndi limachokera pa nkhani yomweyi wachiwiri, wachitatu bungwe ndalama kachiwiri analandira yankho negative. Ndipo, ndithudi, sanamvetse chifukwa amayamba kudandaula kumene kupeza ngongole ngati onse adakana.

Chifukwa chachiwiri: kupanda ndi yodalirika

Chifukwa chachiwiri akhoza kubisala mu gwero osalimba a kasitomala ndalama. Amenewa amanena za borrowers angathe amene sizikugwira ntchito kulikonse mwalamulo. Ndiko kuti, akhoza kukhala omanga ndi kampani ntchito ntchito, freelancers, aluso ndi malipiro osasamba ndi zina zotero. D.

Nthawi zambiri, anthu akana kuti apereke ngongole kapena kuvomereza ndalama zosakwana chofunika. Komanso, mawu a chotero ngongole mwina kuchepetsedwa ndi monga chitsimikizo banki limalangiza kukopa guarantors wodalirika kwambiri kupereka ina kapena kugula inshuwalansi. Choncho, kuti amazunguza kumene kutenga ngongole, ngati onse analephera, muyenera poyamba kudziwa chifukwa cha kulephera. Ndipo ndithudi, ndi bwino kuganizira zomwe bungwe la woimira bungwe ngongole.

Chifukwa zitatu: wosadalirika zaka

Chifukwa china chimene wobwereka masamba banki ndi kanthu, si creditworthy zaka. Kotero, kuti apereke ngongole ku mabanki ambiri akhoza kukhala kuyambira zaka 21-23 (osachepera - ndi 18). Ngati ndinu zosakwana osachepera ananenera, ndiye inu 100% wa zinyalala ndi.

N'chimodzimodzinso ndi anthu achikulire amene anapuma. Pa nthawi ya kusainira pangano ngongole iwo sayenera kuposa pazipita zafotokozeredwa malamulo banki. Mwachitsanzo, mu Sberbank la Russia, angapemphe kuti akalowe ngongole ndi anthu thupi kwa zaka 21 ndi 65. "Bank of Moscow" amapereka ngongole kuti borrowers mu m'badwo pakati pa zaka 21 ndi 70. Ichinso akhoza zimachitika kulephera iliyonse kuti zofunikira za ngongole bungwe, monga kugwira ntchito luso lanu la miyezi isanu ndi umodzi, ndi pa ntchito lomaliza ntchito pasanathe chaka, etc. Ngati onse a pamwamba - .. za inu, muyenera kuganizira za kumene kupeza ngongole ngati onse adakana. Koma pambuyo pa izi.

Chifukwa zinayi: nkhani wosweka

Mwina mfundo yofunika kwambiri imene kulabadira ndalamawo, ndi kukhala wopanda ngongole mbiri. Ndiko kuti, wobwereka ndi ayenera kutsatira malamulo onse alembedwa mu mgwirizano ngongole popanda kuphwanya mfundo za malipiro a mwezi uliwonse, kupanga ndalama kokha mwa ndondomeko mosamalitsa kumatanthauza ndi kuchuluka.

Ndipo moyenera, ngati wobwereka waphwanya malamulo a Bank, mbiri yake ngongole imawonongeka. Izi zikutanthauza kuti kawirikawiri wokongoza aliyense wavomerezana kuthana ndi kasitomala oipa.

Kodi kuchita ngongole zina mwa Murmansk?

Choncho, komwe kupeza ngongole ngati onse adakana? Mu Murmansk, tiyerekeze n'zomveka kuti amatenga ngongole, osati banki, komanso kosamalira sanali kubanki. Mwachitsanzo, akhoza kukhala MFI (MFI). Kodi ubwino wa chithandizo chimenechi?

Choyamba, nthumwi MFI zambiri okhulupirika kwa makasitomala ake, mosiyana ndi mabanki. Kachiwiri, ndondomeko ya kulembetsa ndi chiphaso cha ngongole mu mabungwe amenewa sanali phindu amakonda wosalira zambiri. Apa ndi ndalama ngongole kungakhale kokha pa pasipoti ndi sikutanthauza gawo ndi zopereka choyamba, ubwenzi wa guarantors. Kachitatu, pafupifupi mtundu uliwonse wa MFI dongosolo kukhulupirika. Izo zikanati kuwonjezera kuchuluka kwa ngongole kwa kasitomala, ngati iye anali nthawi yosonyeza lokha pa mbali zabwino pambuyo ngongole choyamba.

Mwachitsanzo, mu Murmansk amachita kampani monga "Tsentrofinans". Kamakupatsani yaying'ono-ngongole ya pakati $ 1000 ndi 50 000 rubles kwakanthawi pakati pa tsiku limodzi ndi 90. Kukula kwa overpayment ngongole oterowo adzakhala 0.5-1% patsiku. M'badwo wa wobwereka pa nthawi ya kalembera ayenera kukhala pakati pa zaka 21 ndi 75.

Kodi kutenga ngongole ngati onse adakana: Novokuznetsk

Novokuznetsk komanso ntchito si mabanki, wokonzeka oyembekezera borrowers awo ngongole ndalama yochepa. Mwachitsanzo, yaying'ono-ngongole ya masiku 21 ndi kuchuluka kwa rubles 1 000 15 000 inu mukhoza kulowa mu "SMSfinans".

Kugonjera Intaneti ntchito mawonekedwe pa webusaiti ya gulu akhoza kukhala borrowers, m'badwo osachepera ndi 18, ndi pazipita - zaka 70. Kukula kwa overpayment ndi tsiku chotero microloan ndi - 0,90-1,74% patsiku.

Kodi mungathe kutenga microloan mu Izhevsk?

Ngati inu simukudziwa kumene kupeza ngongole ngati zinyalala Izhevsk, chonde onani IFIs zotsatirazi:

• "Tsentrofinans".
• "Ndalama The yobwereka."
• "SMSfinans".
• "Vebbankir".
• "Ndalama Amuna".
• «Kredito24» ndi ena.

Mwachitsanzo, ngati tayenda 21, MFI "Ndalama ngongole" akhoza anapereka ngongole ya pakati $ 5000 mpaka 100 000 rubles kwa nthawi ya masabata 2 mpaka 24. overpayment kukula ndi 1% patsiku.

Kodi ndalama mu Chelyabinsk?

Sitinadziwe asanaganize kumene kupeza ngongole ngati onse zinalephera, mu Chelyabinsk? Samalani MFO "ndalama adzakhala!" Amene kusankha pa ngongole kwa ola limodzi ndi kuyankha zabwino amapereka microcredits kwa ndalama kuchokera 5000 ndi 70 000 rubles kwakanthawi pakati pa masiku 14 ndi 365. overpayment kukula amakhala wofanana 0.3-1.8% patsiku. Borrowers wa bungwe, malinga ndi malamulo kampaniyo, akhoza kukhala nzika mu m'badwo pakati pa zaka 21 ndi 70.

Komanso, Chelyabinsk pali mabungwe ena omwe akhoza kukupatsani inu ngongole. Pakati pawo - kampani anzeru "Ndalama" Gulu "Platiza.ru" MFO "Layimu-ngongole", "Ferratum Russia" ndi ena.

Mwachidule, pali njira ina ku ngongole kubanki. Tikhonza zinthu mwanzeru mu mtima wa kampani inayake.