Apho ukufumana imali-mboleko ukuba bonke sikhatyiwe. Apho ukufumana imali-mboleko e Murmansk, Novokuznetsk, Izhevsk, eChelyabinsk?

Credit - oku yinkonzo elula kakhulu ezake yasungulwa ngumntu. Alithandabuzeki elokuba, kuyabiza kwaye usoloko izaliswe iindleko ezongezelelweyo. Noko ke, ivumela imali-mboleko ebhankini ukuze kuthenga into, inkonzo okanye umba, kuthengwe ngayo imali zobuqu azonelanga. Kodwa yintoni ukwenza nalapho ukufumana imali-mboleko ukuba yonke into sikhatyiwe?

Kutheni na, ningavumi neebhanki: isizathu yokuqala

Okokuqala, makhe sifunde ngoonobangela kunokwenzeka, ngenxa yokuba nina namkhanyela ngazo kunye namaziko zemali. Ngoko ke, enye iqhelekileyo lungena kunye isixa kwinqanaba ingeniso yakho. Kule meko kubalulekile ukuqonda ukuba phambi kokuba umbolekisi baya kuvumelana ukukunika-mboleko ofunekayo, yena ngokuhlalutya yimalini na umvuzo wakho. Njengomthetho jikelele, kuquka ingeniso lobuqu kuphela mboleki, kodwa onke amalungu osapho ahlala nabo izindlu nye.

Ngelo efanayo ixesha kutsalwa kwesi sixa ixabiso eziluncedo, iirhafu kunye nezinye iindleko. Isiphumo sisixa umboleki enokwenzeka ukuzihlawula. Ngoko ke, ukuba oku ukuze ibe ngaphantsi koko apho umntu afuna ukuba ingabalelwa, kodwa kwacaca, yaye akazange ibhanki. Ngenxa yoko, i-ubolekayo uzotywe ngomba efanayo owesibini, iziko zemali wesithathu kwakhona safumana impendulo elibi. Kakade ke, akazange aqonde isizathu, siqalisa ukuba ukhathazeke apho ukufumana imali-mboleko ukuba bonke sikhatyiwe.

Isizathu sesibini: ukungabikho komthombo ezinzile imali

Isizathu sesibini ukuba ezimela kumthombo engazinzanga imali abathengi. Oku kubhekisela ezinokuba kubaboleki ingasebenzi naphi ngokusemthethweni. Oko kukuthi, kungaba indlela abakhi kunye ngoonokontraka kumsebenzi weprojekthi, bafunwa, amagcisa kunye neentlawulo ezitenxileyo njalo njalo. D.

Amaninzi, abantu abanjalo angala ukukhupha mboleko okanye uvume imali ngaphantsi kwe efunekayo. Kwakhona, ixesha lemali- mboleko enjalo zithotywe, kwaye njengebhanki siqinisekiso ucebisa ukutsala guarantors ithembeke ukubonelela akananto okanye i-inshorensi lokuthenga. Ngoko ke, ukuba iphazili apho ukuthatha ngetyala, ukuba bonke fail, kufuneka ekuqaleni ukukhangela unobangela ukungaphumeleli. Kwaye ke, kubalulekile ukuqwalasela neendlela zophuhliso ezahlukileyo ezicetywayo yi ummeli kwiziko lamatyala.

Isizathu sesithathu: yobudala zabelungu

Esinye isizathu sokuba umboleki ushiya yibhanki nto, akukho yobudala amatyala. Ngoko ke, ukuba kukhutshwe imali-mboleko kwi ezininzi iibhanki kuba ukususela kwiminyaka 21-23 (ubuncinane - nge-18). Ukuba engaphantsi kobuncincane elikhankanyiweyo, ngoko 100% ye ngenkunkuma.

Kukwasebenza kwanjalo kubantu abadala abaye umhlala. Ngexesha kokusayina isivumelwano sentengo ukuba kufanele kungabikho ngaphezu esicaciswe kwimigaqo ye-Bank. Ngokomzekelo, xa Sberbank weRashiya angafaka isicelo semali-mboleko kunye abantu wenyama engama-21 ukuya kuma-65. "Bank of eMoscow" ibonelela mboleko kubaboleki kwi yobudala 21 no-70 iminyaka. Oku kunganxulunyaniswa nakuphi na ukungaphumeleli iimfuno kwiziko lamatyala, ezifana namava wakho umsebenzi ubuncinane kwiinyanga ezintandathu, kwaye emsebenzini wokugqibela ozisebenzileyo esingaphantsi konyaka, njl Ukuba konke oku kungentla - .. Malunga kuwe, kufuneka ucinge malunga nalapho unokufumana bureaux ukuba bonke sikhatyiwe. Kodwa kamva kulo.

Isizathu ezine: Imbali ibhuqiwe

Mhlawumbi eyona nto ibalulekileyo apho sinikele ingqalelo abatyalwayo, kukuba ukuba igama Labuya ngetyala. Oko kukuthi, ubolekayo unyanzelekile ukuba bagcine yonke imithetho zicaciswa gca kwisivumelwano semali-mboleko ingangqubani imiqathango intlawulo yenyanga, wenze imali kuphela ngokulandelelana echazwe ngokungqongqo kunye nemali.

Kwaye, oko, ukuba ubolekayo luwugqithile imithetho ye-Bank, imbali yawo yamatyala linokonakala. Oku kuthetha ukuba kunqabile nombolekisi ukuba uyavumelana ukujongana client kwezinto.

Apho ukuba athathe enye i mboleko e Murmansk?

Ngoko ke, apho ukufumana imali-mboleko ukuba zonke sikhatyiwe? E Murmansk, masithi ukuba iyavakala ukuba imali-mboleko, hayi nje kuphela kweli ebhankini, kodwa kwakhona kwiziko non-zebhanki. Umzekelo, kusenokuba kuba MFI (MFI). Ziziphi iingenelo yale mpatho?

Okokuqala, abameli MFI onyanisekileyo ngakumbi kubathengi bayo, ngokungafaniyo iibhanki. Okwesibini, inkqubo yobhaliso nokwamkelwa-mboleko kumaziko ezingezo-ngeniso enjalo badla lula. Apha uze ufumane imali-mboleko ingaba kuphela kwi ipasipoti ayidingi idipozithi kunye neminikelo yokuqala, ukubandakanyeka guarantors. Okwesithathu, phantse zonke uhlobo MFI isebenza kwinkqubo ukunyaniseka. Bekuya ukwandisa imali-mboleko iklayenti, ukuba besinexesha sizibonakalisa kwicala oluhle emva mboleko yokuqala.

Umzekelo, e Murmansk izenzo inkampani ezifana "Tsentrofinans". Inika micro-mboleko ze phakathi $ 1000 yaye ukuya ku-50 000 engange ixesha phakathi omnye 90 iintsuku. Ubungakanani egqithisileyo kwi-mboleko iza kuba 0.5-1% ngosuku. Age of umboleki ngexesha lobhaliso kufuneka ibe phakathi-21 ne-75 iminyaka.

Apho ukufumana imali-mboleko ukuba zonke wakhanyela: Novokuznetsk

Novokuznetsk Ziphinde non-iibhanki, elungele ukunika kubaboleki bakuthathe mboleko zawo imali zexesha elifutshane. Umzekelo, micro-credit ukuya kwiintsuku ezingama-21 yaye isixa-mali engange-1 000 ukuya ku-15 000 onokuthi ulufumane "SMSfinans".

Thumela ifomu yesicelo online kwi-website ye yombutho kubaboleki kabani yobudala ubuncinane 18, kwaye ubuninzi - iminyaka engama-70. Ubungakanani egqithisileyo umhla kwi microloan esinjalo - 0,90-1,74% ngosuku.

Apho ungakwazi ukuthatha microloan in Izhevsk?

Ukuba awazi phi ukufumana imali-mboleko ukuba yonke inkunkuma e Izhevsk, nceda uqaphele le IFIs zilandelayo:

• "Tsentrofinans".
• "Imali ebolekiweyo."
• "SMSfinans".
• "Vebbankir".
• "Imali Abantu".
• «Kredito24» kunye nabanye.

Umzekelo, ukuba ukhanyise-21, i-MFI "mboleko Imali" uya kukhutshwa amboleke phakathi $ 5000 ukuya ku-100 000 engange isithuba iiveki ezi-2 ukuya kuma-24. ubukhulu ngokugqithisileyo yi-1% ngamnye ngosuku.

Apho ukufumana imali eChelyabinsk?

Asikhange ndicinge waphuma apho ukuya kufumana imali-mboleko ukuba bonke baphumelele, ku eChelyabinsk? Nikelani ingqalelo MFO "Le mali iza kuba!", Eya isigqibo mboleko iyure kunye impendulo eyakhayo kunika microcredits ukuba isixa ukususela 5000 ukuya ku engange 70 000 ixesha phakathi kweentsuku ezili-14 ne-365. ubungakanani ngokugqithisileyo uba ilingana 0.3-1.8% ngosuku. Ababoleka lombutho, ngokungqinelana nemigaqo yenkampani, babe ngabemi kwi yobudala 21 no-70 iminyaka.

Ukongeza, e eChelyabinsk kukho eminye imibutho ukuba akunike mboleko. Phakathi kwabo - inkampani smart "Yakho Imali" umbutho "Platiza.ru" MFO "Ikalika-mboleko", "Ferratum Russia" kunye nabanye.

Ngokufutshane, kukho enye indlela mboleko yebhanki. Sinako ukwenza ukhetho olufanelekileyo kuphela ngakwicala kwinkampani ethile.