Imodeli amanqaku yokuvandlakanywa creditworthiness lo mboleki

Phantse wonke umntu wakha wafumana ukwaliwa mboleko, ukusuka umphathi weva eli binzana: "Isigqibo senziwa inkqubo yokunika amanqaku. Ukuthembeka yakho amanani obolekayo azichanekanga. " Yintoni na le mthetho ukuba amanqaku ezifana nendlela ukufumana "tshin credit" kwi "ezigqwesileyo"? Makhe uzame ukuqonda.

Overview

Ngoko ke, yintoni na akore? Le nkqubo unique yokuhlola ukuthembeka mboleki, ngokusekelwe kwinani parameters. Xa umntu efaka isicelo semali-mboleko, into yokuqala wathembisa ukuyenza - ugcwalise le fomu. Elinemibuzo baziyilele isizathu. Olu uvavanyo imodeli amanqaku obunokubakho mboleki. Kuxhomekeka kwimpendulo yomba ngamnye unikwe inani elithile lamanqaku. Okukhona, ayanda amathuba isigqibo omhle ukubanika imali.

Apha kukho caveat. Ukuba ngaba unembali ngetyala, ngoko ezinye iimpendulo kwimibuzo kunye nenani leendawo ngokuqhelekileyo musa Akukhathaliseki. Kakade le nto nje iyodwa kwanele ukuba ukulahlwa.

Kokufaka iinjongo kunye neenjongo ezibhankini yangoku

Nayiphi model amanqaku ezisetyenziswa ngokwenkqubo yesikweliti, yaqalisa ukuze afumane ezi ziphumo:

• ukwandisa kwiphothifoliyo mboleko ngenxa yokwehla isabelo Ukuphika ngokungenabulungisa-mboleko;
• yokunyusa iinkqubo zovavanyo amandla yomboleki;
• ukuncitshiswa non-lokuhlawula imali-mboleko;
• ekuphuculeni umgangatho nokuchaneka obolekayo;
• ukugcinwa ezisembindini data kwi client;
• ukuncipha reserve xa imali ilahleko kunokwenzeka ngetyala;
• uhlolo Dynamics lutshintsho akhawunti ngamnye kunye ipotifoliyo mboleko lilonke nje ngokubanzi.

Credit Score: Indlela esebenza?

Ukuze sikwazi ukufezekisa ezi njongo e-Bank usebenzisa ngetyala amanqaku yovavanyo model. Oku kubandakanya mpembelelo incinane ngesiphumo nokukheth'icala okuchasene umphathi okanye kuvumelana kwabasebenzi yebhanki.

Phantse zonke iinkcukacha kusetyenziswa ifom kufuneka kungqinwe ubukho maxwebhu. Umphathi yebhanki lenza kulo mzekelo indima nje zobugcisa - engena data kwiprogram. Xa zonke izinto zonke lemibuzo iya kuqalisa ukujija, inkqubo yekhompyutha ubala ezigunyazisiweyo isiphumo - inani lamanqaku onazo. Ke imeko ukuze aphuhlise ngeendlela ezahlukeneyo.

Ukuba amanqaku iingongoma ezimbalwa kakhulu, unokuqiniseka wokhanyelwa mboleko.

Inani lamanqaku kujike kube phezulu kakhulu kunomyinge? Ukuba imali mboleko encinane, isigqibo kufuneka kuthathwe ngoko nangoko. Ukuba isicelo imali entle yayintle, uya kwaziswa ukuba ibakala lokuqala uvavanyo sele udlule, kwaye isicelo yabelwe iinkonzo zokhuseleko le bhanki.

Inani lamanqaku "ndiyihlanganise ndiyidadise" poseredinke? Umphathi kungenzeka ukuba abaya kufuna intsebenziswano yaho okanye amisele uthotho iitshekhi ezongezelelweyo.

iintlobo amanqaku

Ngokubanzi, imodeli amanqaku luqulathe iintlobo ezisixhenxe zovavanyo, ezine ezifanelekileyo ngetyala, ezintathu - ukuya kushishino. Kuba yokubolekisa uqhelisela uphawu kwezi ntlobo amanqaku:

1. On kwizicelo (Application-akore). Le modeli amaninzi kusetyenziswa ukuvavanya ukuthembeka kunye yokuhlawula amatyala kwabaxumi. lakhiwa, njengokuba kuthiwe, ngokuhlolwa yekhweshine neye anike impendulo ngalinye inani lamanqaku.
2. Ubuqhetseba (Urhwaphilizo-amanqaku). Kuyanceda ukuba ukubala nabakhohlisi ezinokwenzeka, abakwaziyo ukupasa kwisigaba sokuqala uvavanyo. Siseko, iindlela kunye neendlela zovavanyo lwe nobuqhetseba yimfihlelo yorhwebo nganye yebhanki.
3. yokuziphatha Ipredikshini (behavioural-amanqaku). Apha uhlalutyo yokuziphatha yomboleki ngokunxulumene mboleko, amathuba utshintsho intlawulo. Ngokutsho iziphumo zovavanyo olwenziwa hlengiso yemali mboleko eliphezulu.
4. Sebenzela kwemali (Collection-amanqaku). Le modeli lisetyenziswa mboleko ingxaki, ngomhla engahlawulwanga eqongeni nokuhlawulwa kwamatyala. Le nkqubo inceda ukwenza isicwangciso intshukumo ukuhlawula imali evela isilumkiso ukuya yokuthunyelwa enkundleni okanye nokuqokelelwa kwamatyala yeenkampani.

Ezinye iintlobo ezintathu zezi zilandelayo:

1. Pre-sale Uqikelelo (Pre-Sale) - chonga umboleki enokwenzeka kufuneka, esivumela ukuba eso elongezelelweyo okanye enye imveliso.
2. Response (Response) - luvavanya amathuba kwemvume zabathengi kunye nenkqubo yokubolekisa ecetywayo.
3. Uvandlakanyo ukudinwa (okubangwa) - uvavanyo nokwenzeka ukuba umthengi uza kuyeka ulwalamano lwabo ibhanki kweli nqanaba okanye kwixesha elizayo.

Ububi kokufaka inkqubo

Uvavanyo creditworthiness ngabantu kuye kuneengxaki zako. Lowo ephambili kukuba le nkqubo ayikho bhetyebhetye ngokupheleleyo yaye kakuhle apha naphaya ukuba eyona i parameters. Umzekelo, umzekelo amanqaku yamkelwa eUnited States, uya kumhlangula manqaku aphezulu umntu ngamnye, ukutshintsha inani elikhulu emisebenzi. Umntu onjalo kuthathwa oyingcali oluphawulekayo kwemfuno enkulu kwimalike yabasebenzi. Ke thina oku kuya kudlala a joke okhohlakeleyo yi-nye umnikimali nomamkelimali. Eli nani liphezulu lamanqaku baya kufumana umntu entry mnye kuphela ngabafakwa uviko. Ukuba mboleki etshintsha rhoqo abaqeshi, loo nto ithathwa umntu ongathembekanga, onengxabano nokubi. rating kwakhe emehlweni yebhanki ukuwa ngokukhawuleza ngenxa ukugxothwa ilandelayo akufuneki landela umsebenzi omtsha, nto leyo ethetha ukuba ukubambezeleka kweentlawulo iya kuqalisa.

Ukuze Ukutshintsha inkqubo yokwandisa iimeko zethu zokuphila, emibuzo ukulungiselela uvavanyo kufuneka bayile specialists kwelona nqanaba liphezulu kunye isiqinisekiso. Ke zonke iziphumo ezifunyenweyo ngale ndlela, uya kuba baxhomekeke izimvo kunye nempembelelo womntu. Ngoko ke uvavanyo ongakhethi ngokupheleleyo nangoku ayisebenzi.

Ngoko nayiphi na inkqubo yokunika amanqaku uye ezingalunganga ubuncinane ezimbini:

• iindleko eziphezulu lithathelwe zokwenene mihla;
• impembelelo uluvo ingcali ayinyani kwi ezintle iimodeli ixabiso umthengi.

Ngapha koko, inkqubo yovavanyo nalo ungafezekanga. Into yokuba amanqaku kuthatha ingqalelo kuphela imeko olusesikweni. Le nkqubo ayikho nako ukuhlola yokwenene ngokuchanekileyo. Umzekelo, ukuba isigulane igumbi elincinane zoluntu kwi Arbat, isistim iya bamnikele awona manqaku aphezulu. Ngapha koko, kukho mvume lokuhlala eMoscow yokuhlala elisembindini. A Pomakazi square metres iwaka ezimbalwa, ibekwe ilali encinane ekunxweme loLwandle Black, i-nkqubo obizwa ngokuba "yindlu kwidolophana" yaye kuya kunciphisa rating ngenxa yokusilela yobhaliso eMoscow.

Loluphi uhlobo lwe data inxaxheba kulwakhiwo imodeli

Kwiimeko apho kukho uvavanyo creditworthiness abantu bendalo, umqeshwa ibhanki kufuneka lusekelwe inani leendlela. Bonke bephela zingahlulwa zibe ngamaqela amathathu, ngalinye esiquka inani indicators.

Personal:

• data ipaspoti ;
• isimo somtshato;
• ubudala;
• phambi kwabantwana, ubudala kunye nenani labo.

zezimali:

• isixa inqununu ingeniso yenyanga;
• indawo yengqesho, isikhundla;
• inani iirekhodi incwandi yomsebenzi;
• ixesha yengqesho kwi nkampani evuthisayo;
• encumbrances (amatyala-mboleko eseleyo, inkxaso kwabantwana kunye nezinye izibonelelo);
• ubukho amakhaya, iimoto,-akhawunti zabo zebhanki ngekhompyutha kunye needipozithi.

olongezelelweyo:

• ubukho imithombo ezongezelelweyo yengeniso, hayi kuqinisekiswa amaxwebhu;
• amathuba waba ngummeli wowona ulungileyo;
• nolunye ulwazi.

Imodeli amanqaku yokuvandlakanywa creditworthiness yequmrhu elisemthethweni yakhiwe ngokwahlukileyo kancinci. Apha parameters ezingundoqo ingqalelo yokusebenza kwemali. Kodwa ukusukela ukuba zibalwa ukusuka iingxelo iphulo zemali-sicelo, kuloo meko injalo zilungiswe. Xa sijonge le ithuba yovavanyo njongo eliphantsi kakhulu. Ngoko ke, ukuba ukuhlola amaqumrhu asemthethweni kusetyenziswa amanqaku kunye nokusebenza olutshintshayo.

Inyathelo lokuqala isekelwe phezu ukuqokelelwa kolwazi ukuba ukwazi ukubala i parameters eziphathekayo. Ziquka okukholekileyo, isikhundla, uluvo nengcali uzinzo kwezemali nezoqoqosho.

Inyathelo elilandelayo - inkcazo izikhombisi zemali. Apha sifunda Umlinganiselo amatyala, mali, izalathisi njongo uzinzo kwezemali, inzuzo, ingeniso-mali, njalo njalo.

Ngokutsho iziphumo zohlolo elizimeleyo ibhanki ezimbini ligqiba ukubanika loo mali-mboleko.

Ngubani na ukufumana amanqaku aphezulu

Ukuba sithetha ngabantu, ngoko kukho Uvandlakanyo yomboleki nawo wenziwa ngeendlela ezininzi. Zininzi izinto ezinokuba ifutha ngokwakhayo rating:

• lomvuzo eliphezulu;
• ukuba impahla yayo enokususwa kunye engenakususwa;
• indawo ixesha elide kummandla othile;
• phambi yesibambiso;
• ubungqina bengeniso;
• ubukho ekhaya nasemsebenzini ifoni;
• Isiqinisekiso omsebenzi, ingakumbi kumashishini oluntu kwicandelo likarhulumente;
• for akhawunti ezivulekileyo (idipozithi, umhlalaphantsi, ebalwa) ebhankini otyalwayo;
• phambi isixa esikhulu intlawulo kusengaphambili xa kokufumana mortgage okanye imoto-mboleko;
• ithuba yokubonelela iingcebiso, intsebenziswano mboleki okanye iziqinisekiso;
• imbali esihle credit.

Indlela ukuba bakopele inkqubo kwaye oko kwenziwe?

Kukholelwa ukuba xa kovavanyo kuya kwenziwa umatshini soulless, kunokwenzeka ukuba ukukhohlisa umfazi wayo, ukufumana kwangaphambili iimpendulo "ekunene" kwimibuzo. Eneneni, kude kuyo.

imodeli kokufaka yokuhlola umxhasi sakhiwe ngendlela yokuba zonke iimpendulo zale mibuzo zihlolwe ngoncedo amaxwebhu afanelekileyo. Ukongeza, iibhanki amathuba amaninzi zidityaniswa kuthungelwano lonke kwaye ulahle iziphumo uhlolo zabo kwinkqubo omnye. Ngoko ke ukuba inkqubo yokuqinisekisa ngakumbi lokukhohlisa ziya kutyhilwa, uya umnqamlezo ngqindilili nxiba umboleki lakho igama. Ndawo ze na ufumane imali-mboleko.

Embellish yimpumelelo zama kuphela kwimeko xa data kuphela kumazwi zabathengi abo kungenile kwinkqubo. Noko ke, ukufumana ibhanki kunzima, kwaye kukho umdla extortionate kangangokuba wena ubuya awufuni ukufumana udumo kuyo.

Amanqaku credit imbali

Ukuba sicinga ukuba okungenani ihafu yabemi belizwe lethu sele waba amava yokwenza isicelo semali-mboleko kwi ezintlwini yokuqala ivelise sisalathisi nokuhlolwa umboleki, njengoko imbali yekhredithi. Ekubeni BCI ixesha elithile zazaliswa data malunga kubaboleki zamaziko microfinance kunye namanye amaziko ezifanayo, imarike kwabonakala imifuziselo inqaku, kuhlenga ubukho kunye nobume imbali yekhredithi.

Le mifuziselo ukuqikelela amathuba engagqibekanga ye kubaboleki-mali, luye lubandakanywe nezenzo ubunjubaqa, ubungakanani seyibuyisiwe phambi kowe-mboleko kunye nezinye iparameters.

Ukongeza, i-Bank inika inkonzo ulwazi oluzenzekelayo malunga abathengi. Ngokuqhagamshela inkonzo enjalo, ibhanki iya kwazi:

• kuvulwe akhawunti ngumxhasi kwezinye iziko mali;
• irisithi-mboleko entsha;
• ukwenzeka kwayo nayiphi intsha;
• data yokundwendwela entsha ye client;
• ukutshintsha imida kwi-akhawunti, iicredit cards kunye njalo njalo.

Oku ulungise ngakumbi inkqubo yogcino amanqaku ukufumana ulwazi ubuninzi malunga kubaboleki ezinokwenzeka.