Apho ukufumana imali kuphuhliso loshishino, ukuba wala yebhanki

Ukuba uphelelwe ishishini lakho kwaye ufuna ukukhula, kufuneka imali. Eyona ndlela iqhelekileyo - ukufumana imali ebhankini, kuba bamkela-mboleko kunye nenzala, ukuba ndibanike kuwe. Noko ke, xa kusenziwa, azikho izinto phantse lula njengoko uthembisa zentengiso ezininzi. iibhanki rhoqo mhlawumbi angala ukukhupha mboleko ukuze kuphuhliso loshishino, okanye izinga lenzala isibhakabhaka-phezulu. Kutheni le nto isenzeka?

Isicelo ngasinye uya uvavanyo multi-factor, leyo, ukongeza uhlalutyo oluzenzekelayo ngetyala, inqanaba lobomi bakho, ubudala, imfundo, njalo njalo, nazo ziquka Ukuqinisekiswa yabasebenzi yebhanki data. Ukuba database esetyenziswa yi yibhanki, kukho-non ukungathotyelwa enye ubuncinane (umzekelo, enye okanye ezimbini iintlawulo ezindala ongasekhoyo), unako nje ukuyeka, kodwa kwakhona ukuba kuziswe kwi ekuthiwa-"ukuyeka-kuluhlu" apho kunzima kakhulu ukufumana . Zintoni izinto ezibangela ukungaphumeleli, kungenzeka akuyi kwazi, kodwa, njengoko umthetho, ukuba kwenziwe ngolu hlobo lulandelayo:

• ukungabikho amaxwebhu yokubhalisa;

• bengenazo izibambiso;

• lokukhanya Business;

• mboleko kunye nembali embi ngetyala;

• Ngokungathandabuzekiyo e imvume yakho yokhuseleko loluntu;

• engaphelelanga okanye ulwazi olulahlekisayo;

• amashishini engeka kumacandelo high-risk;

• zero isibhengezo (inkqubo lula irhafu, irhafu iingeniso, UTII njl).

Kwezinye iimeko, iibhanki uyavuma ukuba ndininike mboleko, nokuba kukho nakuphi na ukungangqinelani kwengcaciso phakathi iimfuno, kodwa umiselwe zokuzicingela wenzala. Le meko kungenzeka ngenxa yokuba ebhankini uyaphinda kwakhona lula kakhulu ukuba ukukhuseleka lokuhlolisisa iinkcukacha lomsebenzi wakho kunye noshishino.

ezizezinye

Ukuba ibhanki uyala ukukhupha-mboleko, ngaphandle kokuba uyakwazi okwenzayo izicelo kwangoko iibhanki ezimbalwa, ujonge broker yeentengo zemboleko, imibutho engekho phantsi iibhanki , okanye zama ukufumana imali-mboleko evela umntu okanye umbutho. Zonke ezi izinketho zombini pluses kunye minuses:

• Ukuze ufake isicelo abe kwangoko iibhanki ezimbalwa. Ukuba uqinisekile ukuba amaxwebhu akho, imbali yekhredithi, njl konke kulungile - iyavakala. Kungenjalo ngakumbi ukwanda kwinani yeebhanki kwakho isicelo kwaye ufumane okubuyela ngakumbi, kokukhona ukunciphisa amathuba akho okufumana i-mboleko ukuze uphuhliso lwamashishini umgaqo. Nganye yonyango lwakho / ukwala kubhalwa kwindlela yokugcina imali, yaye zonke iibhanki ezilandelayo lula lokulandula "efanayo" kunokuba ukuqonda iinkcukacha.

• Sebenzisa iinkonzo kumthengisi-mboleko. Ngelishwa, akukho broker elinye kukuxelela kwangaphambili ukuqinisekisa ukuba ukuba ufumane ngetyala. Eyona nto ebhadlileyo ukubhenela kwiinkonzo zabo, ukuba yembali yakho yamatyala kulungile, yaye akukho mfuneko yokuba ixesha ukuqonda zonke nezo inani elikhulu-NMMU ngetyala. Ukuba nizisa ukwenza 'izilungiso "embhalweni yakho, kungcono ukuba bashiye ezi nkonzo, ngoko ke akukho mthethweni, kwaye kwezinye iimeko - lityala lolwaphulo-mthetho. Xa kunjalo, khumbula:

  • Brokers ngokufuthi pick up ayikho ibhanki zibhetele lowo ngayo banalo "isivumelwano" ngomlomo, ezo zisekelwe umdla zabo zemali;

  • umthengiseli ukuba ahlawule (5%), nokuba uthe akwavuma ukuba uthathe imali-mboleko evunyiweyo yibhanki, njengoko iimeko zayo ungayithandi.

• Ukufumana imali-mboleko kwi imibutho engekho-bank ngetyala. imibutho anjalo angaquka iivenkile ezahlukeneyo zosetyenziso lwemboleko (kubandakanywa-mboleko ekhutshwe phantsi usisiqinisekiso isithuthi), kwakunye mveliso ababandakanyekayo microcredit. Ngenxa umthetho, ukuba zibekwe phezu obolekayo bambalwa kakhulu iimfuno, nika imali lula yaye ngokukhawuleza. Le ethile kakhulu ebalulekileyo yale ndlela imali - a amazinga aphezulu kakhulu inzala - ukuya kwi 1,000% ngonyaka, kwaye umendo ngqo ukutshona ematyaleni. Ukongeza, umngcipheko omkhulu kakhulu yokuqhuba ibe lurhwaphilizo, ingakumbi xa unikela ukuba akhuphe mboleko olubekwe yi yokuhlala - usoloko usebenzise umngcipheko wokulahla yonke impahla yabo ngenxa yezenzo ezingekho mthethweni kula "ngemali".

• Ukufumana imali-mboleko evela kubantu abazimeleyo. Ekuqaleni, lo kakhulu ethatha ixesha elide indlela yokwenza imali kuphuhliso loshishino, ngenxa yokuba kaninzi awukacaci ukufumana kubatyali-mali elolu hlobo apho. Noko ke, namhlanje zininzi mboleko internet, apho unokufumana abatyali zabo ngeposi iprojekthi yakho.

mboleko online Site
Ezi iziza intanethi aliqela eziluncedo:
amazinga ezifanelekileyo-15%. Ngokungafaniyo imizi egcina imali, ngemvumelwano ngqo phakathi umboleki kunye mali ngaphandle nomlomo.
Free. Kuba nokubekwa kweprojekthi kwi kokutshintshiselana ezinjalo kubaboleki musa ahlawule naziphi na iifizi. Ngaphezu koko - ukucwangcisa ubungakanani okulindelekileyo umyinge wenzala kwaye khetha abatyali mali.
Elula. Wena konga ixesha nemali, ngoko nendlela yokulawula uphendlo-mali, ungakwazi ukude, ngqo kwi-akhawunti online kwi-ofisi yakho okanye ukude nekhaya.
Le ethile kuphela uninzi web sayithi ze mboleko ukuba inokuthatha iprojekthi ngokupheleleyo wonke umntu, yaye akukho namnye umntu inkxaso kunceda kubaboleki ukuhlola cala ishishini lakho ukuze ibe nomtsalane ngakumbi ukusuka kwindawo umbono ngayo izimali. Ngenxa yoko, kwelinye icala, inzala sinciphile intembeko abo bafuna ukutyala imali, kwaye kubaboleki ke kukhuseleka ukusuka ubuqhetseba okanye abatyali nje abonakele, ngubani na bazise kuwe iimfuneko curtained ngabom, usebenzisa ekungazini kwenu.
Kodwa amaqonga ezinjalo onlaynzaymov ukuba ukuba zonke iingenelo ngentla (kwi-mboleko kwi-15%, ithuba self-ukhetho abatyali-mali, kubaboleki iiprojekthi yokuhlala free, njalo-njalo), bakwazi ukulungiselela inkqubo yentsebenziswano of kubaboleki ukutyala, kangangokuba waba inzuzo, ekhoyo kunye elubala ngokupheleleyo macala:
Iqiniso kwazo. Zonke kubaboleki kufuneka ukuba bangenele yokungqinisisa iteknoloji ye-European Bank for Reconstruction and Development. Ababoleka ivumela uvavanyo yokwenene amathuba kwishishini, abatyali - ukuqinisekisa yembuyekezo kunye nenzuzo-mali eyenziwe.
Injongo yokuhlola. Nokuba akunyulwanga ukuba ababhaliswe ngokusemthethweni, ukukwazi kwakho ukubhatala kumiselwa ngokusekelwe kuhlalutyo ingxelo yolawulo. Ukuba kuyimfuneko, ingcali angaya kuwe, kuloo ndawo ukuvavanya ukuthembeka inkampani yakho kunye meko.
Ukunyaniseka nokungafihli. Ubudlelwane phakathi kubaboleki kunye nabatyali-mali zisekelwe kuphela phantsi komthetho Federal. Xa esenza isivumelwano semali-mboleko ukuba akukho mntu yaye andizange Sicebisa ukuba akhuphe igumbi umqeshwa okanye uqasha imoto kwindawo yokupaka iimoto. UMboleki ukhuselekile ngokugqibeleleyo izenzo mthethweni kungonakalisa ishishini okanye impahla yayo.
A echibini abatyali aqinisekisiweyo. Ukukwazi ukufumana mboleko Akubizi kakhulu kwaye ngokukhawuleza. Kukho inani elikhulu abatyali abanomdla imali iiprojekthi ezivunyiweyo ekupapasheni kwimarike online-mboleko. Ukutyala elide yaye kwiimeko ezininzi ngentsebenziswano ngokuphindaphindiweyo, ebhalisiweyo sithembele ngokupheleleyo kwasekwa inkqubo yovavanyo lomngcipheko kunye umtsalane yemali projekthi.
isishwankathelo
sites Internet zinika ithuba lokuba afumane mboleko ukuphuhlisa amashishini ngokwabo, ngokukhawuleza kangangoko kunokwenzeka, ngaphandle kokubhenela kwi njengabalamli yaye kakhulu amagama kakuhle ngakumbi. Ngenxa yoko --mboleko zabucala non-bank yaye kuya kusanda ukuthandwa, ngenxa yokuba kule fomu ubudlelwane wena musa overpay isicelo semali-mboleko, ukuhlawula iingozi beebhanki, iindleko nokugcinwa kwabo eklasini A + ofisi kunye nesibhakabhaka-eliphezulu iibhonasi labaphathi abaphezulu.