"Mawu Aibolit": ndemanga kasitomala

Kutenga ndalama ngongole, muli kuwapatsa. Zilibe kanthu yemwe anali wokongoza - bwenzi labwino kwambiri kapena banki. Koma nthawi zina mavuto a zachuma zachilengedwe kanthawi zingathandize kuphedwa wokhulupirika udindo wobwereka. Ndipo tsopano pa nkhani ya kuthetsa m'ngongole yaikulu chikugwirizana osati utumiki chitetezo cha kukongoza banki, komanso lachitatu maphwando - okhometsa. Ndipo ngati woyamba ndi mwayi yaing'ono kunena mgwirizano monga kukonzanso ngongole, yotsirizira adzapanga mutayesetsa awo kuti moyo mumamva wamangawa.

Kodi kuchita ngati ngongole si aumbike mwa gombe chimodzi? Ngati kuposa wina? Osaleka kuopseza mafoni ndi makalata akufuna kubwerera kwa zonse mwakamodzi. Ngati lupanga la Damocles chagona musataye nthawi ndi ngongole pa mutu wanu. Apa nkubwera chifukwa cha akatswiri okonzeka kuthandiza abweze ngongole.

"Mawu Aibolit" - ndichiyani?

Iwo amatchedwa maheda a mtundu watsopano. Izi makampani ali okonzeka kuthandiza defaulters kuthetsa m'ngongole yaikulu zayamba. Tsopano, aliyense wamangawa ali ndi mwayi mwayi pa thandizo ngongole -. «Mpumulo katundu ngongole" "Mawu Aibolit 'ndemanga pa ntchito zawo ndi zabwino, ngakhale yochepa pa msika zithandizozi. Pofuna kupindula ndi mwayi umenewu, wobwereka akukwanira pa pempho lake webusaiti chiwombolo ngongole zake banki ndi dzina la banki ndi kuchuluka kwa ngongole.

Kodi njira

Monga mkhalapakati, "Mawu Aibolit 'ndemanga Ndi zabwino. Kuti kusonkhanitsa ngongole kwa defaulter, ndi wokongoza wayamba aganyali ndalama malonda. Koma defaulter analephera kubweza ngongole, mosasamala kanthu za ntchito za ngongole onyamula zomvetsa. Njira imeneyi n'kopindulitsa kwa mbali zonse: kwa defaulter ndi mwayi kubweza ngongole alipo, amene ali kwa nthawi yaitali kuzibweza, ndi kubwerera kwa kuchuluka kwa ngongole amayenda wobwereketsayo.

Conventionally, kampani ukugawa ngongole zonse m'magulu 3, omwe kuwerenganso chitsanzo yeniyeni.

Category 1: ngongole wobwereka kale mu siteji ya akuchedwa yaitali.

• Ngati kasitomala ali ngongole yabwino yoposa chaka, kampani "Mawu Aibolit" m'malo mwa defaulter adzauka kulandidwa Kuthi, banki pa mtengo wa nthawi 4-10 zochepa za mtengo pachiyambi. Kasitomala ndiye asabwezere woomboledwa pang'onopang'ono ngongole overdue kuti linaperekedwa kwa miyezi ingapo, osati zaka.
• Ngati wobwereka ali Kuyamikira 2 kapena zambiri, iwo akhoza pamodzi mu umodzi, malipiro mwezi adzakhala kusintha kwa kukula izo sizikanakhala wolemera kwa deadbeat mthumba.
• Ngati kasitomala pang'ono kuchedwa zinalengedwa, kampani azipereka kwa refinancing ndi banki mnzanuyo. Kuyesetsa anzake a kampani "Mawu Aibolit" ndipo mmodzi wa kuchepetsa a chingapezeke bwenzi mabanki chiwongola dzanja pa ngongole ndi, kuchepetsa kuchuluka kwa ngongole yaikulu kuonjezera akuti ngongole, komanso amodzi ya malipiro lotsatira pamwezi.

Category 2: Wokongola ali ngongole zimene ali kale chifukwa, komanso limene nthawi zonse amalipira.

• Yankho lolondola imeneyi, malinga ndi zimene akatswiri a kampani, adzakhala mgwirizano wa ngongole zonse mu banki yomweyo, ndipo pa mawu yabwino kasitomala. The ntchito njira ngati n'kopindulitsa osati kwa wobwereka, amene sangathe kudetsa ngongole mbiri yanu komanso ndalama m'munsi pamwezi. The Bank komanso amaima kupindula - kumbuyo kubweza yaikulu ndi chidwi ntchito zake. Koma makamaka kudzakhala kopindulitsa mabanki kuonjezera ngongole zake mbiri.

Category 3: Wokongola ali ndi ngongole, koma pa nthawiyo palibe opulukira.

• Kasitomala zonse amalipira pa ngongole, koma uli mwa mavuto azachuma. kampani zikuthandizani mu refinancing ngongole ku banki okondedwa, amene adzakhoza kupereka zinthu zabwino - kuchepetsa chiwongola dzanja, ngongole akuti, nadzawonjezapo pa nthawi chisomo kutuluka kufupika kwa zinthu ndalama.

Malinga ndi kafukufuku, aliyense kampani kasitomala ali ngongole angapo mu mabanki osiyana kuchuluka kwa 300-500 rubles. Pokhala pansi sanasiye kutiuza ku makampani akuluakulu zosonkhanitsira, pa nthawi makasitomala ikutha kulankhula nawo. Ndipo zinthu izi, defaulter ayenera kukhala okonzeka kuthetsa vuto banki, amene nawonso, ayenera kukukhulupirirani.

Monga tanena ndi mkulu wa malonda chifukwa "Dr. Dolittle Mawu": "Masiku ano, pafupifupi 5 miliyoni Russia sangathe kukwaniritsa anayesetsa ngongole ndalama. Zimenezi zimabweretsa mavuto chikhalidwe, kuwonjezera kukula kwa upandu onse akuyitana ku funso lingaliro lenilenilo la kukongoza. Izo ziyenera kuchotsedwa manja la okhometsa ndi defaulter udindo wake kuganizira kwa wokongoza limodzi, ngati zinthu zayamba kuyamba kuchulutsa kutali. " Malinga n'kuŵerengera ndi Bank of Russia, pambuyo kukhazikitsa makhalidwe amenewa kuchuluka kwa kuchedwa anthu utachepa kuchoka 857,8 kuti rubles biliyoni 660,2.

mtengo wa ntchito

Pa mbali amangawa amene amagwiritsa ntchito ya "Mawu Aibolit", ndemanga mtengo ndi zosiyana. Mtengo ntchito ya gulu ili masamu osati kuchokera makhalidwe a ngongole (monga ngongole, nthawi yake alipire ndi mawu ena ya mgwirizano), komanso pa zotsatira za zokambirana ndi wobwereketsayo. Gawo loyamba akuyamba ndi chilembo cha malipiro a 5% ya mtengo okwana ngongole ndi kumaliza pa 30%. Pa mayesero onsewa, kuchuluka kwa malipiro adzakhala payekha.

Koma bwanji ngati wamangawa alibe ndalama kulipira ndalama pamwamba pa 5,30%? Zikatero, kampani imapereka pang'onopang'ono kwa miyezi 24. Kasitomala ndi mwayi kusankha bwino nokha malipiro mwezi ndi tsiku lomalizira kwa malipiro zake zonse.

Chifukwa defaulter yokha sangathe kukambirana ndi banki?

Kuwerenga ndemanga za "Mawu Aibolit", tikuona kuti kampani ndi wokonzeka kuthandiza sanali opereka amene lero sangathe amachititsa mangawa ake. njira iyi si abwino kwa makasitomala amene amaganiza kuti sangakwanitse kubweza ngongole zawo. Cholinga cha "Mawu a Dr. Dolittle" - kuthandiza wobwereka kuchepetsa ngongole udindo wake kwa mlingo wa solvency ake. Ngati wobwereka pa pempho awo ku Bank, zoyesayesa zake zonse ntchito ndi ngongole yanu kusanduka mgwirizano wa kukonzanso ngongole. Padakali pano, malipiro deadbeat evaded, banki akupitiriza accrue chilango ndalama ndi zilango. Choncho sayembekezera kuchepetsa yaikulu ngongole, ngati ife titembenukira kwa gombe monga munthu payekha. "Company Mawu Aibolit 'ndemanga Ndi zabwino. Izi ndi gulu malamulo ndi mwayi wochititsa angapo makasitomala izi vuto.

Pali nthawi zina pamene kampani ndipo simungathe kudzako kuthandiza defaulter. Koma osadandaula: kasitomala sasiya kanthu pa nkhani ya zachuma. akatswiri malipiro "Mawu a Dr. Dolittle" adzapatsidwa yekha mu chochitika udzapereka yankho zabwino vutoli. Pamene chovuta kufikira kuuzidwa gulu amakadziwitsa a defaulter. Real umboni za kampani "Mawu Aibolit" inanena kuti ngongole mabanki zambiri m'malo zikuwavuta kwa nkhani ya alipire ngongole, komanso chidwi chotenga tsankho ndalama yawo.

Kodi ngongole imvera utumiki

Kuphunzira LLC "Mawu Aibolit" umboni wa anthu, mukhoza kuona kuti kampani akuchita ntchito zake yekha ndi anthu. Ndipo okhawo borrowers amene mokhulupirika anachita ngongole maudindo awo, koma zikamera wa mavuto aakulu azachuma sanawalole kupitiriza ngongoleyo pa ndandanda. Kwenikweni, kampani wakonda makasitomala amene ali oposa chaka mochedwa. "360+" - chifukwa defaulters ngati kwaiye tanthauzo.

bungwe lero mogwirizana ndi mabanki 40, zomwe zina mwa pamwamba 100 mabungwe a zachuma.

Zitenga nthawi yayitali bwanji kuti athetse nkhani

Pofuna kuthana ndi vuto la ngongole Pakufunika kwa masabata 2-3 miyezi ingapo. Chotero nthawi yaitali chifukwa chakuti si onse mabanki ndi m'pomveka ngongole defaulter "ritelo." kulandidwa ndondomeko kumapweteketsa ndithu kwa ngongole kubanki, choncho n'zosavuta kugulitsa mangawa angapo nthawi imodzi, kuti ndi "lalikulu." Opaleshoni imeneyi ndi zaphindu defaulter - kwa iye n'zotheka "thanani" ngongole yawo ndi zinthu zinkawayendera bwino.

Kuwerenga zinthu zosiyanasiyana za kampaniyo "Mawu Aibolit" ndemanga, iwo ndi enieni kapena ayi - aliyense kudzisankhira yekha.

Ntchito ya "Mawu a Dr. Dolittle" pa mlingo malamulo

ntchito kampani ikuchitika bukuli motsata malamulo (Part 1, Art. 382 ndi Art. 12 Chilamulo Federal № 353). Kugwiritsa ntchito njira imeneyi, monga kutsekedwa kwa kupanda ndalama, mukhoza kupewa mavuto malamulo, mosiyana Kuthi bankirapuse.

Kubwezeretsa mbiri ngongole

Pambuyo kutembenuka kwa kampani LLC "Mawu Aibolit", ndemanga zimene zikuyendera, mungathe kubwezeretsa ngongole ubwenzi. Chofunika, ngati ndi ngongole kubanki anapita defaulter kudzakhalire ndi anagulitsa ngongole, sitepe lalikulu watengedwa - ngongole kuuzimitsa. Sitepe yotsatira kuyamba kubwezeretsa ngongole mbiri ayenera kutenga ngongole aang'ono ndi nthawi kulipira zonse izo. Only mothandizidwa ndi njira imeneyi, mukhoza adzathe kupeza latsopano, oyera ngongole mbiri.

Funsani gulu "Mawu Aibolit" mmene kulipira ngongole

Kupeza thandizo pa kampani, muyenera kuchita kokha zinthu zingapo:

• Pa webusaiti boma la tchuthi ntchito, kumene mwachindunji deta chofunika, komanso bwino kukula kwa ndalama angathe.
• kampaniyo amalenga apilo ku banki chiwombolo cha NPLs pa kuchotsera a.
• kampani akuti wobwereka ndi ikuchitika pa zinthu imene kugula ngongole Kuyamikira ndi kutseka.
• "Mawu Aibolit" amapereka makasitomala ndi pangano review ndi chisankho.

• Kasitomala anapanga kusaina mgwirizano, ndipo tsiku lotsatira ngongole zonse kutsekedwa.
• Deadbeat anapanga malipiro kapena tsankho kwa potumikira.
• kampani imapereka satifiketi defaulter wakale kutseka mangawa ake oipa.

The kampani "Mawu Aibolit" anthu enieni ndemanga za ntchito ndi makasitomala kuikidwa pa tsamba lofikira webusaiti awo.

Maganizo a ena a mabanki ndi mabungwe zosonkhanitsira

Monga tanenera ndi Pavel Sigal, prezidenti wa bizinesi kuyanjana "Support la Russia," pakuti mabanki ndi MFIs, ngati chiwembu malipiro a "Anapachikidwa" ngongole n'kopindulitsa kwambiri. makasitomala ovutika ayenera yang'anitsitsani pa mawu a pangano, makamaka pochitika njira zosonkhanitsira ngongole.

Nawa ena ndemanga ya "Mawu Aibolit":

• Elena Dokuchaev, pulezidenti wa chopereka bungwe, "Sequoia Mawu kuphatikiza," Komano, mafunso kufunika utumiki uwu. "Mawu Aibolit" - wotani kampani? Ngati wamangawa waganiza kulipira ngongole yanu, ndiye n'chifukwa amaitana gulu lachitatu? ngongole adzakhala anagulidwa ndi wogulitsa a "khobiri", ndipo owomboledwa pang'onopang'ono ndi wokongolayo. Izi amalenga tanthauzo la kuipitsidwa pakati pa deadbeat ndi wake ngongole-wogula. kusankha amagulitsa ngongoleyo ngongole ayenera kukhala, osati mwa wokongolayo. Elena Dokuchaev amaona umene umachokera chinyengo ichi uve. Komanso, maganizo ake, malonda ngongole wobvutika zimatheka pamene kasitomala wachita banki utumiki chitetezo kenako ngongole anasamutsidwa kuti ayambe zosonkhanitsira bungwe. Ndipo pamene okhometsa ndi wakwatira osowa ake akuchira ngongole, ndi wokongoza angasankhe kuti agulitse. nthawi arrears kwa masiku 700 mpaka 900 linawonjezeka mu 2015. Izi ndi chifukwa mogwirizana a mabanki ndi mabungwe deta.

• Dzina lake Aleksandr Savinov, wotsatila mutsogoleli wadziko kusonkhanitsa bungwe, "ndi apachipata Mawu Management", ankakhulupirira kuti chiwembu sadzakhala ndi kutchuka lonse. Iwo kawirikawiri ntchito chida, chifukwa n'zoonekeratu kwambiri sangathe kugula ngongole zimenezi. phindu sadzakhala zokwanira ngakhale kukhalabe ndalama loyang'anira gulu la ndikupeleka. Alexander ananena kuti n'zovuta kwambiri kugula kumbuyo kwambiri ngongole ku mabanki zosiyanasiyana.
• Anna Blinov, mutu wa zilango mochedwa "Home Mawu" Bank, anafotokoza maganizo m'malo zoipa kampani «Mawu Aibolit". Ndi mabungwe a mtundu uwu wa banki si ogwirizana ndipo alibe lamulo si patsogolo pawo.
• The okha bungwe chuma amene analabadira ndipo akuganizira kuti kusintha kubwera, anali "Chilimwe Bank". Childs, akuchedwa mu "360+" Musati kugula zodula 5% ya chonse pamodzi. Tcheyamani wa Board Alexander Samohvalov ananena kuti akufuna Co-ntchito wotere.

Kuwerenga Company "Mawu Aibolit" ndemanga kasitomala, pamene ndale ayi zindikirani. Koma ichi ndi chiphunzitso. Zochita ndi bwino kulola zikamera wa ngongole.