Ngongole za Umunthu wathu: chiphunzitso cha zikalata, zikhalidwe

Kufunika kwa ndalama zingachitike panthawi kwambiri inopportune. M'pofunika mwamsanga ndipo pa mawu yabwino kutenga ngongole ndalama. Ndiyeno funso n'lakuti: "Kodi ndi". Bank kapena bungwe microfinance (MFI)? Kumbali ya ubwino - banki, ndipo mwamsanga - MFIs.

Bank

Ponena za ntchito kwa ngongole kubanki, wobwereka oyembekezera ayenera kupereka phukusi la zolemba. The zikalata zina wobwereka adzatha kupereka banki kuti atsimikizire udindo wake free, m'munsi adzakhala chiwongola dzanja ndi pachaka, ndi kuchuluka kwa ngongole, pa mwake, kuonjezera.

Kodi muyenera?

phukusi tichipeza:

- umboni Pawokha.

- lamulo inshuwalansi mankhwala mokakamizidwa.

- lamanja kapena kalata ya kalembera wa galimoto.

- pasipoti, ndi zofunika kuti panafika pasipoti ulamuliro masitampu zikusonyeza kuyenda kunja miyezi 6 lomaliza.

- Maumboni ntchito lenileni la ndalama kwa miyezi 12, stamped ndi yolembedwa ndi mutu wa bungwe.

- Zolembedwa za masamba onse a m'buku ntchito kapena zikalata zina kuti otsimikiza ntchito. Izi zikhoza kukhala ndi Tingafinye m'buku ntchito kapena kalata yolembedwa ndi mutu wa bungwe, chimene chili ndi nkhani wolembedwa ntchito, mkulu wake ndi udindo. Kapena buku la mgwirizano pa ntchito. masamba kwa bukuli ayenera kukhala ndi chisindikizo ndi siginecha pa mutu. Zinachitikira ndi abwana panopa ayenera kukhala miyezi 6, ndi utali wonse wa utumiki - osachepera miyezi 12.

- Certificate wa kulembetsa ndi ofesi msonkho (alendo).

Ayenerere ngongole ku banki mulole amafuna zikalata zina:

- asilikali khadi (anthu koma sanapite pa zaka pakhomo la zaka 27), ndipo kulibe - mipukutu kuti otsimikiza pamaso pa deferment usilikali;

- choyambirira ndi buku la mapeto kapena kuvunda kwa ukwati;

- buku la satifiketi natsimikiza umwini katundu osasunthika.

Mu panopa 2016 kutenga ngongole ndalama, ngongoleyo, phindu adzakhala ndi kusankha banki ndi chidwi wokongola kwambiri. Ogula ngongole mitengo osiyanasiyana monga 22-38%, kubweza wa adzamasulidwa ndi 11,9-18,8% ndi magalimoto ngongole ndalama 18-24%.

Phukusi la zikalata umene wobwereka adzakhala kufufuzidwa ndi bungwe la chitetezo la banki mkati malonda masiku 2-12. Kenako, banki wantchito pa foni akufotokozera zochita tsogolo phindu. Cash ngongole wobwereka adzatha kulipira kwa chaka 1 mpaka 3, potengera kuchuluka kwa ngongole ndi akumuimba mlandu chidwi.

Pafupifupi aliyense wobwereka, amene ali ndi zonse bwino ngongole mbiri tizidalira kwambiri ndi zotheka ngongole. Kuchuluka kwa zokolola kudzadalira ndalama wobwereka a pamwezi ndalama ndi mtundu wa ina kuti angapereke.

MFI

Ngati banki amafuna kuipidwa ya zikalata, kukakamiza wobwereka kusonkhanitsa zambiri ndi kuchita makope chochuluka zikalata zosiyanasiyana, kuti kutenga ndalama ngongole kwa MFIs safuna mulu wa mapepala. Ndipo pofika nthawi zonse adzathetsedwa mofulumira kwambiri. The okha zoipa - ngakhale wobwereka adzabweretsa pamodzi ambiri zikalata kutsimikizira solvency zake, chiwongola dzanja udzakhalabe kuposa kubanki. Komanso kuchuluka ngongole adzakhala anthu okhawo, makamaka ngati wobwereka likukhudza kwa nthawi yoyamba. Ndi kuchuluka kwa ngongole adzakhala chikalata okha rubles.

Mndandanda wa mapepala kuti zidzafunika kwa ntchito, yochepa kwambiri ndipo imakhala mfundo imodzi yokha - ndi chikalata abwino.

N'zotheka kuti wobwereka kupemphedwa kupereka chikalata chachiwiri, koma apa iye sangathe kusankha yekha pa mndandanda, amene adzadzipereka ndi wokongoza.

Potipatsa ngongole ndalama chiwongola dzanja adzakhala osiyana, malingana momwe mikrofinanosovoy gulu wobwereka sangavute. The chiwongola dzanja osachepera koyamba yofunsira ku 0,8 2% patsiku. Choncho, kuchuluka pachaka adzakhala osiyanasiyana monga 292 kwa 730%.

Kubweza ndalama wobwereka adzafuna m'kanthawi kocepa kwa masabata angapo miyezi isanu ndi umodzi.

Ngati wobwereka zimapita kwa MFI si nthawi woyamba, kupatsidwa ulemu ndi zina, mawu abwino kwambiri. Mobwerezabwereza ngongole amakhala ndi ndalama zochepa, amene anatsika ndi pafupifupi 2 zina. Komanso, wobwereka angayembekezere kuwonjezera kuchuluka ngongole. Choncho, kampani akuyesera kuti asataye kasitomala umodzi. Apa zamaganizo kumayambika - mu MFI izi amaona lalikulu ndi zabwino kasitomala pamene kupereka ndalama kwa ngongole ndipo patsani mabonasi, chifukwa kuyang'ana bwino?

ngongole

Njira ina kupeza ngongole - ndi kuti apereke ngongole. Malinga ndi kafukufuku, ntchito makhadi pa gawo limodzi la anthu Russia.

Kodi chofunika n'chiyani kuti aphedwe ake?

Kuti ngongole, muyenera kusonkhanitsa ndi zofanana ya zikalata, monga ogula ngongole. Pa koyamba kulembetsa ngongole sitiyenera kuyembekezera lalikulu ngongole malire. Ngati wobwereka adzakhala ndi udindo mu malipiro ngongole mwezi, ndi mwakhama ntchito khadi, ngongole wake pakhomo kwambiri. Sikuti kutapa ndalama ngongole. Choyamba, si analandiridwa ndi dongosolo banki, ndipo kachiwiri, kwa issuance wa ndalama ku ntchito ngongole kufika pakhomo la 5% kuchuluka chikalata. Ndipo nthawizina, ntchito mwina upambana ndalama aperekedwa.

Chidwi, nthawi alipire ndalama zina

Kupanga ngongole kupeza ndalama ngongole satenga nthawi zambiri: 1 mpaka 7 masiku ntchito. Nthawi zina wobwereka sayenera kupita ku banki kuti izo - mthenga utumiki adzapereka ngongole kwawo.

Mawu a moyo ngongole ndi pafupifupi zaka 3. Chaka chilichonse, izo zidzakhala zofunikira kulipira ntchito. kuchuluka adzakhala masamu potengera mtundu wa khadi: Maestro kapena Visa, khadi malire ngongole, kuphatikiza ndalama anapalamula kutumikira banki makasitomala ku banki. malipiro a ngongole ya mwezi adzakhala 5% ya malire ngongole.

Kusankha malo oyenera kukongoza - ndi mwayi wapadera wa nzika iliyonse. M'pofunika bwino ganizilani maluso awo chuma, kukonza ndalama ndi ndalama, osati kuti totupa ndalama abweze ngongole nthawi osati kuvutika ngongole mbiri yawo.