«Credit Aibolit»: ukuhlaziywa kwamakhasimende

Ukuthatha imali ngetyala, kufuneka ubanike. Kwaye akunandaba ukuba ngubani umboleki - umhlobo ongcono okanye ibhanki. Kodwa ngamanye amaxesha ubunzima bezezimali zobume besikhashana obuphakama ngamanye amaxesha banokuthintela ukusebenza ngokufanelekileyo kwemisebenzi yomboleki. Kwaye ngoku, kungekuphela kwenkonzo yokhuseleko yeebhanki-mboleko, kodwa kunye nabantu abathathu - abaqokeleli, ababandakanyeka ekuhlaleni amatyala amatyala. Yaye ukuba ngaba ngowokuqala kunethuba elincinci lokugqiba ilungiselelo lokuhlaziywa kwetyala, oku kuza kwenza konke okusemgangathweni ukwenza ubomi bomntu onetyala bubekezeleleke.

Kuthiwani ukuba ityala alizange lenziwe kwibhanki enye? Ukuba kukho ezininzi? Iifowuni eziqhubekayo kunye nosongelo, iileta ezineemfuno zokubuyisela zonke izinto kunye nangoko. Njengokuba ikrele leDamocles lixhomekeke phezu kwentloko alinikiweyo ngexesha letyala. Yilapho iingcali ziza kushishino, zikulungele ukunceda ukuhlawula amatyala.

"I-Credit Aibolit" - yintoni na?

Babizwa ngokuba baqokeleli uhlobo olutsha. Ezi nkampani zikulungele ukunceda abangenaye abahlawuli ukuba bahlawule amatyala azaliswe ngamatyala. Ngoku wonke umboleki unethuba lokusebenzisa ityala letyala - "ukuxhamla kwetyala". Ukuhlolwa kwe-Aibolit "ngemboleko malunga nomsebenzi wabo kulungile, naphezu kokuhlala okufutshane kwiimarike zeenkonzo ezinjalo. Ukusebenzisa ngokunjalo lo mnikelo, kwanele ukuba umntu obolekayo ashiye isicelo sokuhlengwa kweebhanki zakhe zebhanki negama lebhanki kunye nemali yetyala lewebhu.

Indlela le ndlela isebenza ngayo

Njengomlambanisi we-"Credit Aibolit" Kwakhona unesimo esihle. Ukuze uqokelele ityala kumntu ochasayo, umbolekisi uqala ukutshala imali kule shishini. Kodwa umchasisi akakwazi ukuhlawula ngemboleko, kungakhathaliseki ukuba ngumsebenzi wendlalifti, okubangela ukulahlekelwa. Le ndlela inenzuzo kumabini omabini: kuba umenzi wokufa usenokufumana ithuba lokuhlawula ngokupheleleyo ityala elikhoyo, elingenakukuhlawula ixesha elide, kwaye umbolekisi inxalenye yexabiso lemali-mboleko libuyiselwa.

Ngokuqhelekileyo, inkampani iyahlula zonke iitalente kwiindidi ezi-3, ngasinye ngasinye siphuhliswa ngokwesikimu esithile.

Icandelo 1: imali-mboleko yemboleko sele sele isecaleni lokulibala ixesha elide.

• Ukuba umthengi unemali-mboleko engahlawulwanga ngaphezu konyaka, inkampani "i-Credit Aibolit" egameni lomenzi wokutshatyalaliswa yenza inkqubo yokuthengwa ebhankini ngeendleko zee-4-10 ngaphantsi kwexabiso langaphambili. Emva koko umthengi kwii-installments uhlawula ityala elidlulileyo elihlawulelwayo, elihlawulelwa inyanga eziliqela, kungekhona iminyaka.
• Ukuba umboleki unemali-mboleko emibini okanye ngaphezulu, anokudibaniswa ibe yinye, ngoxa intlawulo yenyanga iya kuhlengahlengiswa kwinqanaba elingayi kuba ngumthwalo kwisikhwama somboleki.
• Ukuba umthengi avunyelwe ukulibaziseka okuncinci, inkampani iya kuququzelela ukuhlengahlengiswa kwi-bhanki yeqabane. Ngeentsebenzo ezihlanganyeneyo ze-Credit Aibolit kunye neebhanki zamashishini, kunokwenzeka ukunciphisa izinga lomyinge ngemali mboleko, ukunciphisa inani lematyala enqununu, ukwandisa ixesha lokubolekwa kwemali mboleko, kwaye ulungele ukuhlawulwa kweenyanga ezizayo.

Udidi lwe-2: Umbolekebo unemali-mboleko esele idlulileyo, kwakunye nalabo ahlawula rhoqo.

• Isigqibo esilungileyo kule meko, iingcali zenkampani zikholelwa, ziya kubakho ukuhlanganiswa kwazo zonke iibhanki kwibhanki enye kunye neyona nto ibhetele kumagama abaklayenti. Ukusetyenziswa kwesisombululo esinjalo asizuzisi nje kuphela kumbolekayo, ongenakuyityhawula i-credit card yakhe kunye nokunciphisa iintlawulo zenyanga. Ibhanki iyanceda - inani lematyala enqununu libuyiselwa kunye nenzala ekusebenziseni kwayo. Kodwa ngokukodwa kuya kuba luncedo kwiibhanki ezandisa iphothifoliyo yazo.

Udidi lwesithathu: umbolekayo unemboleko mboleko, kodwa okwangoku akukho ukulibaziseka.

• Umxhasi uhlawula rhoqo iimali-mboleko ezifunyenwe, kodwa ngexesha elifanayo ufumana ukuphazamiseka kwemali. Inkampani iya kunceda ekuhlaziyeni ityala kwibhanki yeqabane, eliya kuba nakho ukubonelela ngeemeko ezifanelekileyo - ukunciphisa inzala, ukunyuka kwexesha lokubolekwa kwemali kunye nokulibaziseka ukuphuma kwiimeko zemali ezinzima.

Ngokwezibalo, bonke abathengi beenkampani baneemali-mboleko ezininzi kwiibhanki ezahlukeneyo malunga nemali ye-rubles 300-500. Eboniswe kwingcinezelo eqhubekayo evela kwiinkampani ezininzi zokuqokelela, umxhasi ekugqibeleni uyeka ukunxibelelana nabo. Kwaye kule meko, umntu ofanelekileyo kufuneka alungele ukulungisa imeko ngebhanki, leyo leyo leyo, kufuneka ibe yenzeke.

Njengoko umlawuli wentengiso ye-Credit Aibolit uyachaza: "Kuza kube namhlanje, malunga nezigidi ezi-5 zaseRussia azikho ukuxanduva lokuzalisekisa uxanduva lwabo lwezezimali. Oku kubangela ukuba kuvele ukuxhatshazwa kwezenhlalakahle, ukwanda kohlumo lolwaphulo-mthetho kunye neefowuni eziqhelekileyo zibuza into efanayo. Kufanelekile ukususa izandla zabaqokeleli kwi-defaulter kunye nokugxila kwetyala lakhe kumntu oyedwa, njengoko imeko iqala ukukhawulela. " Ngokweenkcukacha ezibonelelwe yiBhanki yaseRashiya, emva kokusungulwa kwalo mkhuba, umthamo wabantu abangaphaya kwexesha lawa ukusuka kuma-857.8 ukuya ku-660.2 i-ruble ibhiliyoni.

Iindleko zenkonzo

Kwingxenye yabangekho abakhokheli abasebenzisa iinkonzo zenkampani "Credit Aibolit", ukuphononongwa malunga neendleko zihlukile. Ixabiso lomsebenzi wale ntlangano ibalwa kuphela kwiimpawu zetyala (njengemali mboleko, ixesha layo lokubuyisela kunye neminye imimiselo yesivumelwano), kodwa nangenxa yeziphumo zentetho kunye nomboleki. Isinyathelo sokuqala sokuhlawula siqala kwi-5% yeendleko ezipheleleyo zemboleko kwaye iphelela ngo-30%. Kwimeko nganye, inani lemali liya kuba ngabanye.

Kodwa kuthekani ukuba umboleki akanakho iindlela zokuhlawula imali engentla apha kwi-5-30%? Kule meko, inkampani inikeza izitolimenti kwiinyanga ezingama-24. Umxhasi unikwe ithuba lokuzikhethela ngokuzimeleyo intlawulo nganye yenyanga kunye nexesha lokuhlawula ngokupheleleyo.

Kutheni umenzi wokuzihlawulela ngokwakhe engavumelani nebhanki?

Ukufunda ukuhlolwa kwe-Credit Aibolit, unokuqonda ukuba inkampani ilungele ukunceda abo baphambukayo abangenako ukunyamekela iimboleko zabo ngoku. Isi sombululo asifanelekanga kubaxhasi abacinga ukuba abayi kukwazi ukubuyiselwa imali yabo mboleko. Injongo ephambili ye-Credit Aibolit kukunceda umntu obolekayo ukunciphisa iimbopheleleko zemboleko kwizinga le-solvency. Ukuba umboleki uyazimela ngokuzimela kwi-bhanki, ke yonke imizamo yakhe yokusebenza ngamatyala akhe angancitshiswa ekugqibeleni isivumelwano sokuvuselelwa kwetyala. Kwaye ngelixa i-offfaulter yashiya iintlawulo, ibhanki yaqhubeka ihlawulisa izigwebo, iintlawulo kunye nezohlwayo. Ngoko ke, ungalindelanga ukunciphisa ityala eliphambili letyala lekhredithi, ukuba ujika kwibhanki njengomntu wangasese. KwiNkampani yeMboleko Aibolit »uhlaziyo Unemivuzo. Yinkampani esemthethweni enokukwazi ukukhokela abathengi abaninzi beengxaki ngokukhawuleza.

Kukho amaxesha apho inkampani ayikwazi ukuza kumncedisi. Kodwa ungakhathazeki: umthengi akayi kulahlekelwa nayiphi na into kwingxaki yemali. Iintlawulo kwiingcali ze-Credit Aibolit ziya kwenziwa kuphela xa kukho isiqinisekiso sesisombululo esihle kwisingxaki. Ukuba akunakwenzeka ukufikelela kwisivumelwano, umbutho uya kwazisa umonakalisi malunga nalokhu. Ingxelo yangempela kwinkampani ethi "Credit Aibolit" ingxelo yokuba iibhanki zemboleko ininzi zikulungele ukudibana kumbandela wokuhlawulelwa kwetyala, kuba banomdla wokufumana imali embalwa yabo yemali.

Ziziphi iimali-mboleko ezifunyenwe yinkonzo

Ukufunda malunga ne-LLC "I-Aibolit" yokuhlaziywa ngabantu, uya kubona ukuba inkampani yenza umsebenzi wayo kuphela ngabantu. Kwaye kunye nababolekisi abaye bazalisekisa izibophelelo zabo zemboleko, ngenxa yokuba iingxaki zemali zingabangezivumeli ukuba babuyisele imali mboleko kwixesha elizayo. Ngokuqhelekileyo, inkampani ikhetha abathengi abaye babambezeleka ngaphezu konyaka. Kuba abo abakhokheli inkcazo - "360 +" yaqalwa.

Namhlanje umbutho ubambisana neebhanki ezingama-40, ezibandakanyiweyo kwiziko le-TOP 100 zezimali.

Kuya kuthatha ixesha elingakanani ukulungisa umcimbi?

Kuya kuthatha iiveki ezingama-2-3 kwiinyanga eziliqela ukulungisa umba wetyala. Ixesha elide elinjalo liye ngenxa yokuba zonke iibhanki zikulungele ukuthengisa ityala lomenzi-mthetho "kwivenkile". Inkqubo yokuhlawulela ixabisa kakhulu kwibhanki yemboleko, ngoko kulula ukuba athengise amatyala amaninzi kanye, oko kukuthi, "ininzi". Le nkonzo inenzuzo kumntu othembekileyo - yenza ukuba kube lula ukuba "abhale" ityala lakhe ngamagama afanelekileyo.

Ukufunda kwimithombo eyahlukeneyo malunga nenkampani Ukuhlolwa kwe-Aibolit "enetyala, nokuba yinyani okanye ayinayo - nganye isenza isigqibo.

Umsebenzi weNtengo ye-Aibolit kwinqanaba lomthetho

Umsebenzi wenkampani uqhutyelwa ngokuhambelana nomthetho weRussian Federation (Icandelo 1, i-Article 382 kunye neCandelo le-12 loMthetho we-Federal No. 353). Ukusebenzisa le ndlela njengokuvalwa kwexesha lokubambezeleka kweemali, iziphumo zomthetho zingagwenywa, ngokungafani nenkqubo yebhanki.

Ukubuyisela imbali yakho yekhredithi

Emva kokufaka isicelo kwi-nkampani ye-Credit Aibolit LLC, ukuhlolwa okuzithethayo, Unako Buyisela idumela lekhredithi. Okona kubaluleke ukuba, ukuba ibhanki yemboleko yaya kumntu otshatyalaliswayo kwaye uthengisa imali mboleko, ke isinyathelo esona sikhulu senziwe senziwe-ityala liyacinywa. Isinyathelo esilandelayo ukuqala ukubuyiswa kwembali yengxelo yemali kuya kuba yimfuneko yokuthatha imali encinci kwaye uhlawule rhoqo ngexesha ngexesha. Kuphela ngale ndlela ungayifumana kwakhona entsha idityanisiweyo yekredithi.

Buza inkampani ye "Credit Aibolit" indlela yokuhlawula ityala elidlulileyo

Ukufumana uncedo kwiinkampani, kufuneka ufezekise iimeko ezimbalwa kuphela:

• Kwisiza esisemthethweni, shiya isicelo, apho ungacacisa idatha efunekayo, kwaye uqhelanise nesixa-mali sokugcina.
• Inkampani idala isikhalazo ebhankini ukwenzela ukuhlawulwa kwemali mboleko engalunganga kwisaphulelo.
• Inkampani iyazisa umntu obolekayo ukuba yiyiphi imigaqo yokuthengwa kwetyala kunye nokuvalwa kwemboleko.
• "I-Aibolit yeMboleko" inikezela umthengi ngesivumelwano sokwazisa kunye nokwenza izigqibo.

• Umxhasi ubonisa isivumelwano, nangomso ke yonke imboleko ivalwe.
• I-default is a full payment or partial payment for the services provided.
• Inkampani inika umntu ongekho umhlawuli kunye nesatifiketi sokuvalwa kwamatyala akhe.

Inkampani "Iingxelo ze-Aibolit" zengxelo zabantu bokwenene Ngomsebenzi wakhe kunye nabathengi abathunyelwe kwiphepha eliphambili lesayithi lakhe.

Iingcamango zabameli beebhanki kunye nee-arhente zokuqokelela

NjengoPavel Sigal, u- Vice-President of the association of entrepreneurs "Opora Rossii" amanqaku, ukuba iibhanki kunye ne-MFIs isicwangciso sokuhlawula "amatyala anqunyanyisiweyo" sinceda kakhulu. Abathengi abangasebenziyo kufuneka bajonge ngenyameko kwimimiselo yesivumelwano, kwaye ngokukodwa kwindlela inkqubo yokuqokelela amatyala eya kwenzeka ngayo.

Nazi ezinye ubungqina malunga neCredit Aibolit:

• U-Elena Dokuchaeva, umongameli we-ejensi yokuqokelela i-Sequoia Credit Consolidation, ngokuchaseneyo, engathandabuzeki imfuneko yale nkonzo. "I-Aibolit yeMboleko" - luhlobo luni lenkampani? Ukuba umboleki enquma ukuhlawula ityala lakhe, ngoko kutheni atsalela umntu wesithathu? Ityala liya kuthengwa ngumthengisi "we-kopecks", kwaye uthengwe ngetyala kwizitofu. Oku kudala umuzwa wokudibanisa phakathi kohlenga kunye nomthengi-mboleki. Isigqibo sokuthengisa ityala kufuneka senziwe ngumboleki, kungekhona ngumboleki. U-Elena Dokuchaeva ukholelwa ukuba lobu buqhetseba buyingxolo. Kwakhona, ngoluvo lwakhe, ukuthengiswa kwetyala elingasebenziyo kuphela kuphela xa inkonzo yezokukhusela yasebhanki isele isebenze kunye nomxhasi, kwaye ke ityala lihanjiswe kwi-arhente ye-collector. Kwaye xa nabaqokeleli bebe sele basayine ukungena kwabo amandla ekuqokeleleleni amatyala, umbolekisi unokugqiba isigqibo sokuthengisa. Ngo-2015, ixesha lokuhlawulwa kwetyala liye landa ukusuka kwii-700 ukuya kwi-900 iintsuku. Oku kubangelwa kukusebenzisana ngokuthe ngqo kweebhanki kunye nee-arhente zokuqokelela.

• UAlexander Savinov, usekela-sihlalo we-ejensi yokuqokelela i-Sentinel Credit Management, uyaqiniseka ukuba esi sicwangciso asiyi kudlalwa ngokubanzi. Oku kuya kuba yinto eqhelekileyo isetyenziswe, kuba kubonakala kungafanelekile ukuthenga loo matyala. Iindleko zabo aziyi kuba ngokwaneleyo nokuba kulawulo lweendleko zolawulo kwinkqubo yokuthengiselana. UAlexandro utsho ukuba kunzima ukukhulula amaninzi amatyala kwiibhanki ezahlukeneyo.
• U-Anna Blinova, intloko yeSebe lokuqokelela i-Home Credit Bank, wabonisa uluvo olubi malunga ne-Credit Aibolit. Ngemibutho yolu hlobo, ibhanki yabo ayibambisani kwaye ayikho imbopheleleko esemthethweni kubo.
• Iziko lezemali kuphela eliye laphendula ngokuthe tye kwaye lithembeke kwiinguqu ezizayo "yi-Leto Bank". Njengomthetho, ukulibaziseka kwi "360 +" akukho ngaphezu kwe-5% yesamba sonke. Usihlalo weBhodi u-Alexander Samokhvalov uthe bakulungele ukusebenzisana nala mazwi.

Ukufunda malunga nenkampani ethi "Credit Aibolit" ubungqina bathengi, ngelixa ubambelele nantoni na ongayiboniyo. Kodwa oku kuyingcamango kuphela. Ngokwenza oko, kungcono ukuba ungavumeli ukuvela kwamatyala.