Eminye iNgxowa-mboleko yeBhanki

Yiyiphi ibhanki embi kwaye yiyiphi enye indlela eya kuthenga imali yebhanki ?

Njengomthetho, ukufumana imali mboleko kwi-bhanki akude kuhlale kulula kwaye kulula njengoko kukhangiswa. Kukho iintsilelo ezininzi kwaye zonke ziyaziwa:

• Ukunyaniseka kokubhaliswa - ngamanye amaxesha kuyadingeka ukuqokelela ezininzi iingxelo, kuthatha ixesha elide kakhulu ukukhupha imali mboleko
• Ufuna ukuqinisekiswa kwemvuzo - ukuba usebenza njengomqhubi wetekisi wecala, unokulibala malunga nemboleko ebhankini. Kuba iibhanki zisisigunyaziso sokusesikweni sokufumana imali, esinokubonelela kude nonke
• Amabhanki awakulungele ukusebenza kunye nabathengi "abayingozi" - ukuba ungumntu osomashishini okanye umnini-mlingani we shishini, kwibhanki uwela kwindawo yengozi kwaye kuba nzima ukufumana mboleko
• Imingcele yobudala - imingcele yeminyaka yinkxalabo enkulu. Ngokomzekelo, ukuba uneminyaka engaphantsi kweminyaka engama-23 okanye ngaphezulu kweminyaka engama-65, ngoko awukwazi ukufumana mboleko
• Ukuthatha isigqibo esilula - ngamanye amaxesha, ngokukodwa ngokubanzi, ibhanki ithatha ixesha elide kakhulu ukukhupha imali mboleko. Ngoko uye ebhanki, xa kufuneka imali "izolo" - ingozi. Unokwenqaba, kodwa ixesha sele lichithiwe.
• Ukulinganisa - xa ibhanki iqalisa "ukucwangcisa" umthengi omtsha, kukho "ibhokisi emnyama" (ukulinganisa inkqubo) enika isisombululo (ukungala / ukuvunywa) kwimveliso. Ngokomzekelo, ezininzi iinkqubo zokubeka amanqaku, ukungabikho kwefowuni yeso sizathu sokwenqaba (nangona abaninzi bengayisebenzisi), okanye ukuba uvumele ukulibaziseka kwemboleko yeselula, ngokukhawuleza ukuhlawulwa iiruble ezingama-20, umatshini wokulinganisa uya kukwala! Emva kwakho konke, unayo "imbi" yembali yembali ...

Ngokucacileyo, akubona wonke umntu onokusebenzisana ngokufanelekileyo kunye neebhanki. Ngokumalunga nalokhu, imarike yokubolekisa, into engabonakaliyo kwicandelo lebhanki , okwangoku ikhula ngokukhawuleza.

Kuphi ukujika? Ezinye iindlela zokubolekwa kwebhanki

Ziziphi ezinye iindlela ezisebhanki kwaye zihluke njani?

1. Imali-mboleko yecala - ukuya kuyo nayiphi na intengiso ye-intanethi, ungene ekukhangela "umboleko wemali yangasese" kwaye ubone ezininzi iintengiso - Imali yedama ebolekwe ngenzala. Le mboleko ivela kubathengi. Unako ukuwajongana kuphela njengesicatshulwa sokugqibela, ukuba unayo imali yokufumana. Ukungalungi kwezi mboleko zi:

• Ipesenteji enkulu
• I-"opacity" yomthetho yomthengiso
• Ukuba awukwazi ukuhlawula ityala, kungenzeka ukuba ungcwatywe kwi-fox khimki (exaggerate)

Kodwa kukho nenani leenzuzo:

• Imboleko ingamkelwa ngumntu wonke
• Imboleko ikhutshwa ngokukhawuleza

Amaziko eMancinci (i-MFIs) - intsha yemarike yaseRussia. NgoJuni 8, 2010, i-State Duma yeRussia Federation yamkela uMthetho No. 151-FZ "kwimisebenzi yeMicrofinance kunye neMibutho yeMali-mali". Iinjongo eziphambili zemibutho yamancinci "ukubonelela ngamashishini amancinci kunye nabantu abanokufikelela ngokukhawuleza kwiinkonzo zebhanki zemveli, iinkonzo zemali kunye nezongezelelweyo ezijolise ekunciphiseni ukungalingani kwezentlalo kuluntu, ukuphuhlisa ukurhweba kwamashishini abucala, ukuphucula imilinganiselo yokuphila yabemi, Ukuqinisekisa umsebenzi. "

Ukususela kumhlathi ongentla apha kucacile ukuba imibutho yezemali-mali iyindlela echanekileyo ngokusemthethweni kwibhanki. Iingxaki eziphambili zeMFIs:

• Isixa semali mboleko singabi ngaphezu kwe-1 million ruble
• Ipesenteji iphezulu kunebhanki
• Azikho zonke i-MFIs ezinokuthenjwa

Iinkonzo zeMFIs:

• I-MFOs ilawulwa yi-FSFM, i. Ubudlelwane phakathi kwababoleki kunye nababolekisi balawulwa nguRhulumente
• Ipesenti incinci kakhulu kunabathengisi
• Umthetho "obala" kunye "nokucoceka" kwintengiso
• Ukufumana imali mboleko kwi-MFI kulula kakhulu kunobhankini. I-MFIs inemilinganiselo ethembekileyo ngakumbi yokuhlola ababolekisi, kunye nezicelo zemboleko ziqwalaselwa ngokukhawuleza

Qaphela! Ayikho yonke imibutho efana ne-MFIs enjalo. Ngaphambi kokufaka isicelo kwi-MFI, ndikucebisa ukuba ufumane ukuba ingaba kubhaliso lwe-FSFM. Irejistara ye-FSFM iyabonakala esidlangalaleni kwaye ikhona kwi: http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Njengoko i-MFIs ayisaziwa, kukho uluhlu oluncinci apho ungaqhagamshelana nayo:

1. "Imali-mboleko yokuhlawula" - iboleka imali ukuya kuma-ruble ama-50 000. Ipesenti yazo zinkulu kakhulu, kodwa zithathe nje kwaye zibuyisele. Ngokombono wam, iimeko ezifanelekileyo kakhulu ezi nkampani zilandelayo:

A) Imali yasekhaya - kulungile ukuba abaphathi beenkampani bakhonze abathengi ekhaya, akufuneki ukuba baye naphi na.

B) Imali yeMini (esebenza eMoscow naseSt. Petersburg) - ininzi "eyaneleyo" inzala.

2. Iimali-mboleko ezinkulu-mboleko ezivela kuma-ruble ama-50 000 kunye nokunye. Njengomthetho, inzala kubo iyasondela kwiibhanki, kodwa iimeko zingathembekanga kunokuba "zibolekwe ukuhlawula". Ngenxa yemali mboleko, eyona nto ifanelekileyo kum ngathi ibonakala isebenza kunye neenkampani ezilandelayo:

A) Iqela leenkampani AEK (esebenza kuphela eMoscow naseMoscow kwingingqi) yinkampani enhle kakhulu enegama elihle. Okubi kuphela - unokufumana kuphela mboleko egcinwe yimoto. Iwebhusayithi: http://aecgroup.ru/

B) I- Finotdel - imali-mboleko kuphela kweshishini, kodwa unokufumana ngaphandle kwebheyili.

3. I- Consumer Consumer Cooperative (CCP) - ngelishwa, andinalo ulwazi oluncinci lweemarike zeCCP, ngoko andifuni ukubhala ulwazi olungenakuqinisekiswa apha. Kungekudala ndiza kucacisa lo mbandela ngokubanzi kwaye ubhale inqaku elithile malunga neCCP.

4. I- Pawnshop

I-good old pawnshop yaziwa kuwo wonke umntu, ngoko andiyi kufikelela kwiinkcukacha. Kwi-pawnshop unokufumana kalula nayiphi na imali, kodwa kuya kufuneka ushiye ipropati yakho. Ukubuyisela ipropati, uya kufuneka uhlawule inzala ephakamileyo.

Inhlanhla ndikubone kwakhona!