Mmene mungatulutse khadi la ngongole ndi mbiri yakale ya ngongole. Ndi mabanki omwe amalemba makadi a ngongole ndi mbiri yakale ya ngongole

Kupeza khadi la ngongole kuchokera ku banki iliyonse ndi nkhani ya mphindi. Nyumba zamakono kawirikawiri zimakhala zokondweretsa zimapereka mwayi wa wogwiritsa ntchito phindu lililonse, lomwe lingatchedwe kuti ndiloling'ono. Komabe, nthawi zina zimakhala zovuta kupereka khadi la ngongole ndi mbiri yakale ya ngongole. Ndikofunika kudziwa ngati izi zilididi.

Njira yowonetsera

Mbiri ya ngongole ndi kuwonetseratu za momwe mwakhalirako ngongole yapitalo, mwa mtundu wa lipoti. Zimaphatikizapo chirichonse: katundu pa ngongole, ndalama zachitsulo, komanso makhadi otsekedwa. Ambiri ogwiritsa ntchito amadziwa mbiri yawo ya ngongole pokhapokha atagwiritsira ntchito bungwe la zachuma kwa ngongole ina. Komabe, palibe aliyense amene amazindikira kuti ali ndi ufulu wopempha pempho lapadera ku Central Catalog of Credit Histories, kuchokera komwe angapatsidwe zonse zofunika kwaulere. Komabe, popanda kulipira, kalata yotereyi imaperekedwa kokha pachaka. Ngati pali zofunikira zowonjezera nkhaniyi, ndiye kuti ziyenera kulipira. Kuphatikizanso apo, pali ma intaneti ambiri amene mungapezepo ndalama zochepa zowonjezera zokhudzana ndi mavuto omwe kale analipira ngongole, komanso zosiyana siyana.

Makhadi a ngongole

Kotero, chidziwitsocho chimapezeka ndi inu, koma dzina lanu linakhaladi pa mndandanda wa makasitomala "osasangalatsa". Komabe, ichi si chifukwa chokhumudwa, mabanki ena amatulutsa makadi a ngongole ndi mbiri yakale ya ngongole. Koma tiyandikira pang'onopang'ono. Ndikofunikira kulingalira mwatsatanetsatane mfundo zonse.

Njira zochokeramo

Choyamba, mukhoza kuphunzira momwe mungakonzere mbiri yanu ya ngongole. Kukhazikitsidwa kwa izi ndi kotheka ndi zochita zina. Zomwe zili muofesiyi zikhoza kukhala ndi mfundo zomwe mwakhala wobwereketsa ku banki ina, koma mukudziwa ndithu kuti mangawa anu akale adalipidwa kwathunthu. Pachifukwa ichi, mukhoza kulangiza kuti mugwiritse ntchito ku bungwe la ngongole, mutengere kalata kuchokera kwa iye, yomwe idzakhala ndi chidziwitso chogwira ntchito ya ngongole yanu pansi pa mgwirizano. Chilolezo chovomerezeka chiyenera kutumizidwa nthawi yomweyo ku Bungwe la mbiriyakale ya ngongole kuti mbiri yosalondola yokhudza inu yasinthidwa. Muyenera kulumikiza kalata ya kalatayi ku pempho la ngongole. Pankhaniyi, muli ndi mwayi wokonza zolondola.

Njira Yina

Ngati mukuganiza momwe munthu angatenge ngongole ndi mbiri yakale ya ngongole, ndiye kuti ndizotheka kwambiri kuti zinthuzo ndi izi. Malipiro pa ngongole zomwe zinalipo zinatha chifukwa cha zifukwa zomveka. Pankhaniyi, banki ikuyenera kupereka zikalata zomwe zidzatsimikizire izi. Mwachitsanzo, mudali ndi matenda kapena chifukwa cha akuluakulu a nthawi yaitali sanalandire malipiro, ndipo mwinamwake mmoyo mwanu munali zochitika zina kuchokera ku gulu la mphamvu majeure. Ngati kuphwanya kuli komweko, ndiye kuti zidzakhala zovuta kupanga mbiri yakale ya ngongole ikuwonekera bwino. Koma ikhoza kukonzedwa mpaka momwe mungagwiritsire ntchito ngongole ndi mbiri yakale ya ngongole. Mabanki omwe amapereka ngongole akhoza kuthandizira bwino kwa oterowo monga munthu yemwe ali ndi mbiri yakale ya ngongole. Mukapempha ku kampani ya ndalama za kirediti kadi, mwinamwake mmodzi wa iwo amalandira deta yokhudza makasitomala a CI osati ku ofesi imene muli nayo.

Zapereka pamsika wa Russia

Mabungwe onse a zachuma amafufuza deta pa mbiri ya ngongole ya makasitomale omwe angakhale nawo, ndizokuti antchito ena samaganizira izi mosamala. Panali zochitika zambiri pamene anthu ankalembetsa ngongole ndi mbiri yakale ya ngongole ku Sberbank. Ngakhale kufufuza kumeneku kuli koyenera, nthawi zambiri antchito amapereka makasitomala kwa makasitomala, kuwapatsa ngongole ndalama zomwe amafunikira.

N'zotheka kufotokozera mabanki angapo omwe amasonyeza kukhulupirika kokwanira pa nkhaniyi: Tinkoff, Standard Standard, Home Bank, Sberbank, GI Money Bank, Mphamvu za Kubadwanso. Nkhani zambiri ndi ndemanga zimapangitsa kuganiza kuti mabanki onse amapereka chithandizo chabwino posachedwa, ngakhale akufuna kupereka khadi la ngongole ndi mbiri yakale ya ngongole. Koma chifukwa cha izi ndikofunikira kusunga zinthu zingapo. Mutha kuganizira chimodzi mwa mabungwewa.

Renaissance Bank

Pano, wofuna chithandizo yemwe akufuna kudziwa ngongole ndi mbiri yakale ya ngongole akhoza kupereka chiwongoladzanja chokwera kwambiri, kawirikawiri mkati mwa 24-79%. Malire a ngongole adzakhala ochepa (ruble 300,000). Zimatenga 1-2 masiku, osati kuposa. Bungwe la zachuma lingapemphe zolemba zina, komanso chiphaso chowonetsera ndalama.

"Standard Russian"

Mu bungwe ili n'zotheka kupereka makadi a ngongole ndi mbiri yakale ya ngongole, kulandira ngongole ndi malire okwana 450,000 ruble pa 36%. Nthawi yachisomo imatha masiku 55. N'zotheka kuti simusowa kupereka kalata ya ndalama, koma zikalata, kupatula pasipoti, banjali likufunikanso.

Bank "Tinkoff"

Izi zikhoza kukuthandizani kuti mutsimikizire kuti wothandizira ali ndi khadi la ngongole yomwe ili ndi mbiri yoipa kwambiri (300,000 ruble) peresenti yomwe ili yaikulu kwambiri, 42% pachaka. Pa nthawi imodzimodziyo, bungwe silidzafuna zolemba zomwe zimatsimikizira ndalama za wobwereka. Pa khadi lotero, nthawi yokongoza ngongole idzakhala masiku 55. Ngati chisankho chili chotsimikizika, ndiye kuti khadi likhoza kupezeka lenileni patsiku lakupempha.

Makhadi a ngongole akugulitsa pa intaneti

Ntchito yotereyi ilipo tsopano m'mabanki ambiri. Mukapempha ngongole mwanjira imeneyi kamodzi ku mabungwe angapo, zidzakulitsa mwayi wanu kuti mwamsanga mutenge khadi lanu la ngongole ndi mbiri yoipa mumodzi mwa iwo. Ndipo ndizosavuta. Ndizotheka kuti mudzatha kupereka khadi la ngongole ndi mbiri yakale ya ngongole ku banki yomwe mulibe mafayilo oipa, kotero simukuyenera kubweza ngongole yaikulu ya ngongole.

"Tinkoff"

Bungwe ili limagwira ntchito yopereka makadi a ngongole pamagwiritsidwe ntchito pa intaneti, ndipo mwakhama kwambiri. Cholinga chake chimayesedwa chifukwa chakuti ambiri amapeza khadi la ngongole popanda kuyendera ku banki, koma popanda kuchoka kwawo. Kutumiza kwa makasitomala kumachitika ku adiresi yomwe imatchulidwa muzokambirana. Kwa ngongole zoterezi, zaka zochepetsera wokongola zimakhala zaka 30 mpaka 40, ndipo ili ndi nthawi yomwe mafelemu a zaka zapakati pazaka 24-65. Chosiyana ndi "Tinkoff Bank," komwe mungathe kuyembekezera kupeza khadi la ngongole ku bungwe lomweli kwa anthu a zaka 18 mpaka 70.

Njira zina zomwe mungasankhe

Palinso njira zina zogwiritsira ntchito ngongole ndi mbiri yakale ya ngongole.

Inu mukhoza kuchita izo mu supermarket. Izi zimatchedwa khadi la ngongole. Mapepala ake ndi osavuta, koma chidwi chake ndi chapamwamba kwambiri.

N'zothekanso kuti mupite kuntchito za wogulitsa ngongole. Pa nthawi yomweyi, mwayi wopeza khadi ndi waukulu kwambiri, koma chiwongoladzanja chokwera pa izo chidzakhala chokwanira kwambiri, monga wogula ntchito amatenga ntchito yabwino kwambiri pa ntchito yake.

Ngati munatha kupereka khadi la ngongole ndi mbiri yakale ya ngongole, ndiye mutha kulangiza kuti muzigwiritsa ntchito nthawi zonse, yesetsani kuswa malamulo kuti muteteze mavuto m'tsogolomu. Chifukwa cha ichi, mbiri yanu ya ngongole idzakonzedwa kuti mutsegule njira yopita ku mabanki ena.

Chinsinsi pa Documents

Ngati mwasankha kutulutsa makadi a ngongole ndi mbiri yakale ya ngongole, mutenga ngongole kapena kulowa nawo mabungwe ena a ngongole, muyenera kukhala osamala polemba zikalata zomwe zidzaperekedwa ku bungwe la zachuma. Nthaŵi zambiri zimakhalapo pamene munthu yemwe alibe mbiri ya ngongole, anakanidwa kubanki ngakhale kupeza khadi losavuta. Ndipo chifukwa chake apa ndi chophweka. Mwa kusonyeza pasipoti yokha, ndi zovuta kutsimikizira solvency yanu. Inde, ambiri mwa mabungwe a ngongole, malonda akuwonetsera kuti makadi a ID adzalandira ngongole, koma pakadali pano muyenera kukhala ndi mbiri yokhazikika ya ngongole kuti mabanki azidalira.

Mukakhala kuti chiwerengero chanu ndi chofooka, ndiye muyenera kusamalira zolemba zina. Khadi la ngongole yokhala ndi mbiri yakale ya ngongole ingapezedwe ngati chilemba chotsimikizira ntchito chikuperekedwa. Ngati lili ndi chidziwitso chomwe chachitika kuntchito yanu pamalo ogwira ntchito kwa zaka zoposa ziwiri, mwayi wowupeza ukuwonjezeka kwambiri. Ndondomeko ya ndalama ndizolemba zina zomwe zingakhale zothandiza. Kupereka ndondomeko ya mabanki pa ngongole zomwe zatengedwa poyamba, komanso zizindikiro za kutseka kwawo bwino - izi ndizofunikira mapepala.

Pamaso kapena kupezeka kwa mapepala apadera, wina akhoza kuyankhula za zotsatirapo osati kokha pokhapokha mutalandira khadi la ngongole, koma pazomwe mungagwiritse ntchito ngongole mudzagwirizana ndi banki. Mwachitsanzo, ngati kasitomala atabwera kudzalandira khadi yekha ndi pasipoti, ndithudi adzapatsidwa, koma chiwerengero chazomwe chidzafike pa 45%. Ndipo ngati mutulutsa khadi la ngongole ndi mbiri yakale ya ngongole, munthu wabweranso yemwe adapereka chidziwitso pa ntchito komanso kuchuluka kwa malipiro ake, ndiye angathe kuchepetsa chiwongoladzanja cha 36-38% pachaka. Zimapezeka kuti malemba ena sangasokoneze. Choncho, ndi bwino kugwiritsa ntchito nthawi yomwe amasonkhanitsa.

Njira ina - MFIs akhoza kupereka ngongole ndi mbiri yakale ya ngongole, koma chidwicho chidzakhala chapamwamba kwambiri kuposa banki, ndipo ndalamazo ndizochepa.

Mmene mungakonzere kapena kuchotsa ma CR

Panthawiyi pa intaneti, anthu ambiri okonda ntchito zawo amapereka chithandizo pofuna kusintha kapena kuchotsa mbiri yakale ya ngongole. Koma musanyengedwe, chifukwa pali nthawi zofunika. Kawirikawiri malipiro a ntchito zawo ndi okwera kwambiri. Ndipo nkofunika kukumbukira kuti simungathe kuchotseratu mbiri yanu ya ngongole. Chifukwa chake, ndiyenera kunyalanyaza zoterezi.

Khadi la ngongole ndi mbiri yoipa

Choyamba, mutadziwa za mbiri yanu ya mbiri ya ngongole, muyenera kufufuza zizindikiro nokha. Choyamba chokhudzidwa ndi kasitomala ndi kuchedwa kwa malipiro. Muyenera kuyambiranso mapepala anu kuti mudziwe ngati ichi ndi cholakwa chanu. N'zotheka kuti banki mwiniyo kenaka inapereka ndalama ku akauntiyo. Nthaŵi zina chinthu chonse cha umunthu ndi cholakwa, pamene ofesi ya mbiri ya ngongole imatumizidwa osati deta yanu, koma ena, koma mukuvutika nazo.

Mungathe kupeza khadi la ngongole ndi mbiri yoipa mu banki yomwe muli nayo, kapena mumalandira malipiro. Pankhaniyi, mudzakhala ndi inshuwalansi monga momwe mumalandira ndalama zanu ku akaunti yanu, choncho mwina banjalo lidzaloledwa kupeza khadi la ngongole kuchokera kwa iye.

Mukhoza kupereka ndi njira yachilendo yotereyi, monga kuyitanitsa ku banki yaing'ono ya m'deralo. Pachikhalidwe choterocho iwo akhoza "kuyang'ana maso" ku zovuta zanu, koma pa zifukwa zina - chifukwa cha kuchepa kwa ogwira makhadi ndi mpikisano waukulu pamsika uno.

Kusintha mbiri ya ngongole

Posakhalitsa mudzapatsidwa khadi la ngongole, palibe kukayikira za izo. Komabe, nkoyenera kukhala otsimikiza kuti banki, yomwe yasonkhana, idzayesa kudziteteza. Mudzapatsidwa chiwongoladzanja cha chiwongoladzanja ndi malire osachepera a ngongole. Ngati mukuvomera izi, ndiye izi zidzakhala mwayi wanu kusintha mbiri yanu ya ngongole. Izi zidzafuna kugwiritsa ntchito khadi ndikuzimitsa ngongoleyo popanda kuchedwa. Njira yabwino ndi khadi lokhala ndi chisomo. Mudzalipira m'masitolo, musapitirire malire okongola, kubwezera ngongole pa nthawi popanda chiwongoladzanja, zomwe zidzakuthandizani mbiri yakale ya ngongole.

Zotsatira

Monga mukuonera, pali njira zogulira ngongole ndi mbiri yakale ya ngongole. Ndipo apa pali njira zingapo. Ndipo pamene iwe uzimvetsa izo, usabwereze zolakwa zako, ndiyeno chirichonse chikhala bwino. Tsopano mukudziwa momwe mungagwiritsire ntchito ngongole ndi mbiri yakale ya ngongole.