"Filbert" - i-arhente eqokelela. Izimvo abanamatyala

Ngowe-2015, ngaphezu kwama-75% ye-mboleko elinikwe yibhanki wabuyela phakathi arhente yokuqokelela. Kutheni iibhanki bakhetha ukuya kwi kubaqokeleli, kunokuba ngokuya ngqo enkundleni? Zama ukuqonda.

"Filbert" (arhente eqokelela): ncomo, inombolo yomnxeba, idilesi

ofisi intloko Agency ise eMoscow (kufutshane "Komsomolskaya" isikhululo metro). Idilesi :. Komsomolskaya isikwere, 6. Hotline (iminxeba free): 8 800 333 01 25 Iiyure: ukususela 9 kusasa ukuya 7 pm.

Zonke izimvo malunga arhente yahlulwe yaba ziindidi-2. abanamatyala ezimbi bhala, aze ezakhayo - phezu ngemali. Ukuba ufunda i-arhente eqokelela, "ncomo Filbert 'kwi Internet, kuba wabona ukuba negative esikhulu.

iimpendulo enjalo ezibhaliweyo kuphela abaqokeleli abanamatyala, kodwa babesakuba ngabaqeshwa. Ukuba ufunda ngayo "Philbert" (arhente eqokelela) buyekezwa kwabasebenzi, kuba kucacile ukuba inkampani ophatha abasebenzi balo kwakunye banamatyala. Ababesakuba ngabasebenzi Ukugxeka inkampani kungekho package zentlalo, ukungakwazi yokutshintshana iinguqu kunye 'okuwisa' onetyala omnye komnye. Relations kumsebenzi nzima ekuhlaleni.

indaba

arhente eqokelela "Filbert" kukho iminyaka engaphezu kwama-8. Lasekwa ngo-2007. Eyona njongo iphambili kukunikezela ngeenkonzo ukuqokelela kubantu ezidlulileyo iimbopheleleko ngenxa. Abaleka yinkampani kunye neenkampani ezivela kumacandelo ahlukeneyo kwezoqoqosho kummandla Russia. Inika iphakheji olupheleleyo lweenkonzo ukuba uhlawule amatyala angekahlawulwa kwangexesha. Igxininisa kakhulu zokuhlala ngaphandle kobudlelwane kwamatyala wenkundla deadbeat. Xa kwalona unetyala ukuba ukuqhagamshelana kubangela kokuqala kwetyala kunye kolawulo elandelayo ngeenkqubo zokuqinisa.

Scheme we-arhente "Filbert"

Esebenza unetyala kwimo recovery yaphambi kwetyala. Abaqokeleli ukuqokelela ulwazi malunga sisuke kunye nokumisa kuyo. Ke iqala ifowuni ukwazisa malunga ityala karhulumente intlawulo olukhawulezisiweyo iingcebiso, tufwile SMS, ukuthumela i-imeyili. Ukuba kunokwenzeka, ngoko kukho ukudibana nomntu deadbeat.

Ukuba ufunda "Philbert" (arhente ingqokelela) ncomo, kucacile ukuba abasebenzi bakhe ukuqhuba iindibano kwimiba yemali neyomthetho. Kweli nqanaba, abaqokeleli ukuba ikhankasela ukuzalisekisa iimbopheleleko zabo zemali.

Xa usenza umqokeleli iminxeba kali uya kugcina ithoni cala, kuphephe ekukhuliseni ilizwi lakho, musa awusebenzi ulwimi ekhubekisayo unetyala. Kodwa xa ufunda malunga arhente eqokelela, "Filbert" angqina zabantu, ngoko kuza ukuqonda ukuba abasebenzi-Arhente engazange azibone nokuba imithetho. Ngaphezu koko, ulahlekisa onetyala ezisongela okanye ukubanjwa vala.

Xa usenza ifowuni sokuqokelela kufuneka ukuba angenise (ilizwi lokuqala kunye negama lokugqibela), ucacise igama lenkampani egameni lakhe ifowuni yenziwe, kwaye ingxelo injongo yabo.

Kule yesibini isigaba iqala ingcinezelo nzima: abaqokeleli ukufowuna izalamane kunye guarantors, abahlobo abafuna ukuba unetyala lokuba idilesi yokuhlala kunye nendawo yomsebenzi. Sisuke ukubrawuza amaphepha kwi social networks nokubonelela iifoto izimvo ngokwexabiso ityala. Ukuba ufunda i-arhente eqokelela, "impendulo Filbert 'phezu kwiiforam, kuyacaca ukuba umsebenzi ezingachanekanga abasebenzi balo ekhokelela yokuba onetyala okanye amalungu entsapho yakhe ukubhala izikhalazo emapoliseni okanye kwiofisi yomtshutshisi.

I lesithathu (final) arhente eqokelela isigaba uqala kwetyala. Le nkqubo iqala xa ithuba non-kuhlawulwe ityala kukho kwasemihleni 150 ukuya 190 ukususela kumhla kukuvela nezibophelelo engahlawulwanga. Ithe yakuva kudlula kwenzeka, emva koko kuthatyathwe isigqibo malunga nokusebenza okanye isenzo yokurhoxisa kwetyala.

Ukufunda "Philbert" (arhente eqokelela) abatyali-ncomo, niya kwazi ukuba ngamanye amaxesha basebenzisa off-site qela.

Yintoni iqela makhaya?

Bayacelwa abasebenzi, elizimisele - ukuqinisekisa ukubuyiswa nezibophelelo engahlawulwanga. Injongo wezazi abatyelela:

1. Yazisa umboleki-mali ngokupheleleyo ityala, kunye nogxininiso ekuveliseni ukubala fayini.
2. Yazisa i onetyala neziphumo nokubaleka kwakhe; umbolekisi aye enkundleni, zonke iindleko inkundla (kwimeko isigqibo esivumelana abaqokeleli) kuthwalwa sisuke.
3. Funda ngezinto ezibangela angahlawulwanga.
4. Yiba inqaku ecacisiweyo apho izizathu kweentlawulo emva kwexesha. Umntu onetyala kufuneka asayine loo nto.
5. Kunye ithayimthebhile deadbeat ukwenza iintlawulo ukuhlawula amatyala angekahlawulwa.
6. Xa imvume unetyala lokuhlola ipropati kwaye wenze isenzo efanelekileyo.

Wonke umboleki uyazi ukuba ngubani na umqokeleli, kodwa inkoliso ukuqonda isizathu kwafuneka ukuba angenelele ulwalamano yibhanki kunye unetyala. Ngapha koko, ukuba ubolekayo ingabuyeli-mboleko, ibhanki bafaka icala aze afune bailiffs ityala ngenkani.

Kutheni ibhanki abawuthobeli enkundleni?

Kukho izizathu ezininzi:

1. Sinqumamisa accrual umdla kunye nezohlwayo. Ngokungenisa isicelo enkundleni, ibhanki oqondela isixa ityala kwaye abanalo ilungelo kubuvelela Dime yakhe. Kwaye ukuba uluphumelele abaqokeleli kwetyala ngokusekelwe isivumelwano zabameli, izohlwayo kunye nenzala kuqhubeka ukuba kongezeleka, kunye nabaqokeleli yongeza into "ukusuka ngokwalo."
2. Xa intengiso ityala ibhanki ngexesha elifanayo ufumana 20-40% etyala engahlawulwanga. A inkundla isicelo mboleki Art. 333 ze-Civil Code, kunye nomthamo lifinyele.
3. Ukunqongophala amaxwebhu axhasayo. Indida? Ibhanki alinaso isivumelwano esisayinwe mboleki? Kodwa ke iposi imeyile ubunzima credit cards akazange aye inzuzo ezo zakhiwo. Ungenwe mboleki khange isayinwe, kwaye ukuba ubungqina enkundleni ukuba ipoti ye-khadi yefowuni yi zombini kokugqitywa isivumelwano cishe engenakwenzeka. arhente eqokelela enjalo "zochuku", njengoko kungekho isivumelwano, ungakhathazeki.

"Filbert" (arhente eqokelela): iidilesi inkonzo

Izinze e Moscow, kodwa kulo lonke elo lizwe ibekwe amasebe. Yekaterinburg (p. Mamin-Sibiryak, d. 52), Rostov-on-Don (indawo yokusebenza, d. 19), Nizhny Novgorod (tsh. Maksima Gorkogo, d. 50), nasemizini-30 eRashiya. I-Arhente sanda, ukuzama ukufumana isikhundla phambili kwimarike Russian lokuqokelela.