Apho ukufumana imali kwiimeko zeemfuno ezingxamisekileyo?

Ngokufuthi abantu ujongene nengxaki imfuneko isixa esithile semali kulungiselelwa iimfuno ezingxamisekileyo yongxamiseko. Nokuba umntu usoloko baphila ngemali zethu, ekugqibeleni kufuneka sizibuze umbuzo othi, "ngokungxamisekileyo Kufuneka imali, nalapho unokufumana?". Ngokomzekelo, umntu ovalelweyo umvuzo, nangenxa yokuhlala eqeshiweyo okanye imali-mboleko kufuneka ihlawulwe kwangoko. Okanye umntwana ogulayo, omthandayo, i imoto wazidiliza, ngaphandle akunakwenzeka ukuba asebenze yonke imihla ukuhambisa usapho esikolweni, enkulisa kunye nomsebenzi.

Khetha indlela apho ukuze ufumane imali ezimbalwa. Eqhelekileyo kakhulu kwaye aziqhelileyo kubo - cela izalamane kunye nabahlobo. Ukuba zazinjalo imali simahla yaye zisoloko tsakela ku ku pfuna - kakuhle, ngenxa yokuba, kuqala kwiinto zonke, uncedo olo kuqwalaselwa mboleko beprotsentnym, yaye okwesibini, wena kwithamsanqa nokusingqungileyo elikufutshane nenkxaso.

Ukhetho yesibini - ukusebenzisa iinkonzo kwiintengiso ababhali 'njenge "mboleko Quick ngaphandle izatifikethi," "Imali na into," "Credit imizuzu emihlanu," njalo njalo. Yinto elula - kuza yokundwendwela, amalungiselelo-mboleko, kwaoko bemke kunye nemali. Ingakumbi ngokukhawuleza micro-credit kwimali-mboleko (ukusuka engange-20 ukuya kwi-100 amawaka) kunye nezinga eliphezulu (malunga 700% ngonyaka ngamnye, okanye 1-3% ngosuku). Kodwa ezi mboleko zikhutshwa ngenyanga okanye ezimbini, kuba akukho ubolekayo esinengqondo akavumelani ukuhlawula okukhulu kangaka. izohlwayo kunye nezohlwayo sokuhlawula kade inkqubo mboleko ukuba kuyinto ezinzima, ukuze umxhasi lingonakala.

Impendulo elandelayo kumbuzo   malunga nalapho ukuthatha imali - nto-mboleko iibhanki ngokukhawuleza. amaziko Credit kwakhona ukugcina isantya kunye namaxesha nokwazisa iimveliso-mboleko entsha. Ukuba kukho imfuneko mboleko ekhawulezayo, kutheni banixhaphaze, hayi ukuba kugxininiswe le nto? Kuya kufuneka kuphela yokundwendwela, kunye nemizuzu 20-30 yexesha lakho. Injongo ye-mboleko, imali yengeniso yakho ebalulekileyo, ayifuneki idipozithi. Kakade ke, ibhanki uvelisa umngcipheko engagqibekanga kwi mboleko ngokukhawuleza, ngoko ke weerhafu kubo liphezulu kakhulu xa kuthelekiswa iimveliso kubathengi.

Kwakhona, ukuba andazi phi ukuze ufumane imali, ungenza ukujoyina umbutho wetyala (okanye ookopolotyeni ngetyala). Amalungu le mibutho ukuba badibane bahlangabezane nezidingo zabo zemali neengxaki, umntu evula idipozithi, othile esibonisa-mboleko. Kusenokwenzeka ukufumana mboleko obo buhlobo uya kufuna ingxelo yengeniso. Imali mboleko idla ezincinane. mboleko Injongo kwatshintsha: imfundo, unyango, uhambo, uthenga imoto, indawo yokuhlala, ukusebenza eyinkunzi imali koosomashishini. Kubalulekile ukuphawula isimo sengqondo ngakumbi "zabantu" kubaboleki e credit. Ukuba walumkisa kwangaphambili achaze isizathu, kusenokwenzeka ukuba ukulibala "nje" kunye nezohlwayo eziqokelelweyo kunye nezohlwayo (ukuba, Kakade ke, musa kakubi trust).

Kuba abo bantu abadinga mini ukuze ufumane imali baziswa, kukho iivenkile nenkomo. Le mibutho thalele imbali yekhredithi, imali engenayo, amava emsebenzini kunye nobudala, logama nje umboleki waba ipasipoti amaxwebhu ngummeli wowona ulungileyo. Lo msebenzi, nto ekhuphe ebaluleke ezimbini - izihombiso, iimoto, indawo, ilizwe, iimveliso ezinoboya, mobile phones, laptops, yaye amacwecwe iiwotshi Swiss. Umlinganiselo wenzala kwi mboleko akananto amaxabiso aphezulu kakhulu kwi mboleko yebhanki kuxhomekeke amatyala akananto, isusela ukusuka 0.5% ukuya kwisi-2% ngosuku.

ukufumana phi imali kunye nendlela yokuphuma ematyaleni, wena isigqibo. Kufuneka ukuba zibuyiselwe, kwaye ixabiso yokusetyenziswa imali abanye abantu kakhulu phezulu, ngoko mhlawumbi kufuneka ucinge malunga wayeyifihla "kwiimfuno ezingxamisekileyo" okanye ukufumana ikhadi lamatyala. Le ndlela yokugqibela Kulula kakhulu kwaye kuluncedo kuba oko ukuhlawula phantse zonke iivenkile, umyinge wenzala ayikho phezulu kakhulu (18% ngonyaka), iibhanki ezininzi zifundisa preferential ixesha umdla-free ukusebenzisa mali (nge-avareji - ukuya kwiintsuku 50). Ukongeza, ikhadi lamatyala isetyenziswa njengoko kuyimfuneko, uhlawula kuphela ukuthenga yenziweyo, ngaphandle komda ekhoyo. Ukuze angabi ukuba ingaze ukuba impendulo yombuzo apho ukuze ufumane imali ngokukhawuleza, bashiye ibhajethi yakho yobuqu okanye usapho kwaye bazilungiselele iindleko ezingalindelekanga.