Ndalama ali kuti? Kuyesetsa panopa ndalama, kuchita? Kodi kupeza ndalama mofulumira?

Nkhani zokhudza chuma, kusamalira za anthu ambiri. Bwino ngakhale kunena choncho koma munthu mu nthawi yathu safuna mafunso okhudza njira zakuthupi? Munthu aliyense kamodzi pa moyo wake, koma kuganizira za kumene ndalama anthu ena. Kodi kukhala wolemera? Kapena wotetezedwa? Nkhani zimenezi - miliyoni. Ndipo iwo anapereka chiwerengero chachikulu cha anthu.

zabwino anapezazo

Kodi nkhani zambiri tikudziwa, kuti limatiuza mmene munthu uyu kapena wopeza ndalama! Ndipo tikulankhula osati pamene munthu mwangozi akhathusa minibasi 50-100 rubles. Panali zinthu pamene anthu mwachilungamo wambirimbiri - zina zikwizikwi madola! Choncho, munthu wina ku United States (Utah) anagula nyumba, ndipo pamene Atatero, ndiye mu chapamwamba anapeza chikwama ndi mitolo ya ndalama umangidwa ndi zingwe. Okwana panali pafupifupi 50 000 $. Amene anali mwini wake, amene anamwalira patangotsala, anali ndi chizolowezi kubisala madola ndi kuwapulumutsa mwanjira imeneyo. Komabe, mwini latsopano tinagwirizananso ndi ana ake ndi kukupatsani anapeza olandira yovomerezeka.

Zikatero kwenikweni ndithu ochepa. Koma aliyense akudziwa kumene ndalama zambiri kwambiri ndi mochuluka bwanji. Asatipusitsenso - 50, 100, kungakhale 500 rubles - mu amagulako, masitolo, matakisi ndi malo ena onse, ndi pulayimale chifukwa cha kusasamala munthu kapena zododometsa. Koma m'njira kuthetsa mavuto a zachuma kovuta - pali muyenera mwayi ndi mwachisawawa. Ngakhale angapo nsonga mmene kupeza ndalama pamenepo. Ayamikira pulayimale - muyenera kuyenda zambiri mu malo onse kawirikawiri ndi kugula ndi zosangalatsa malo, ndi kukhala tcheru, kukwatira anazolowera chilichonse. Kotero, mwina, adzapeza ena ithe, zotayika anamwazikana wogula.

Ndingachite anapeza?

Choncho, komwe ndingapeze ndalama, ndithudi, koma ambiri amachita chidwi ndi funso lina. Ndingatani kuwanyamula iwo? Ena amakhulupirira kuti ndi osafunika ndi woopsa - ndi ndalama za anthu ena. Malodza ngakhale amanena kuti ndi kusankha anapeza, ndiye n'zotheka tisamadandaule kwambiri zambiri. Pali maganizo wina - inu mukhoza kutenga ndalama, koma panopa akufunikira yocheza. ndalama amati zosavuta (anapambana kapena anapeza) mphumi, chifukwa kwa iwo akhale posachedwapa kuchotsa. Anthu ena alibe maganizo kwambiri zomveka - ngati ndalama ndi pa msewu, iwo analibe ali nazo. Palibe zodabwitsa iwo amanena - idagwa, ndiye anali atapita. Akapezeka, ngati mukufuna ndalama - mungachite izo? Ndipotu, Mulimonsemo, munthu wina Adzatenga iwo. Ndipo mwadzidzidzi ndi ndalama ndikufuna moyo mu njira iyi, n'chifukwa chiyani? Ambiri, aliyense akuganiza mosiyana, apa ndi nkhani zaumwini.

Khalani wamangawa - monga njira

Masiku ano, anthu ambiri amakhala pa ngongole. Nthawi zina ndimaganiza za kumene ndalama anthu onsewa wolemera mumayendetsa magalimoto odula ndi moyo mu mzindawo? Ndipo likukhalira, onse si choncho chabe - iwo ngongole kubanki. Koma ogula ngongole zambiri - njira lenileni la vuto, amene si okwera mtengo kwambiri ndipo, ngati chirichonse masamu. Ndipo mmene kupeza ndalama njira ina, ngati palibe mankhwala ena yatsala? Anthu ambiri mantha kukwata mawonekedwe kubanki, koma kenako ntchito ndi nkhani zachuma anathana ndi njira imeneyi. mabanki ambiri kupereka zinthu ndi yabwino. Mwachitsanzo, mu "Bank of Moscow" akhoza kutenga rubles miliyoni ndi mlingo wa 22% pa chaka kwa miyezi 60. Pali komanso zambiri okhulupirika maganizo chabe muyenera kuyang'ana kwa iwo.

Komabe, pemphani funso komwe amatenga ndalama mu ngongole, muyenera udindo kupeza abwino banki. Musagwiritse kuchitikira pa kunyengerera umafuna ku bungwe wosadziwika, mukatero akhoza kutaya zonse. Bwino kupita ku boma. Komabe, tisaiwale, mabanki ndi lalikulu kwambiri za kukongoza, akukankha amafuna okhwima ndithu kuti borrowers. A msinkhu winawake, zaka za utumiki, kalata kuchokera kuntchito, umboni wa ndalama ina, guarantors, wabwino ngongole mbiri, palibe ngongole kwambiri - osati aliyense adzapeza pangano kwambiri.

MFI - wovuta ndipo mwamsanga momwe angathetsere mavuto azachuma

mabungwe Microfinance - kwenikweni njira zimene zingakuthandizeni kwa kanthawi kuyiwala za nkhani ya nkhawa wamba, monga "kumene kubwereka ndalama," kapena "momwe mwachangu ntchito zapamwamba." Komabe, ndiye nkhani zachuma adzakhalanso zogwirizana. Chifukwa chiyani? Ndi yosavuta. MFI - kodi magulu kuti wodzipangitsa ngongole kwa yaing'ono nthawi (kwa sabata imodzi mpaka miyezi isanu ndi umodzi pa nkhani ya IP - mpaka chaka) ndi ang'ono ndalama (a zikwi, kapena ngakhale zochepa, ndipo mpaka 100 000, ngakhale zidalira kuchokera MFIs a). Ndipo chirichonse chinkawoneka kukhala chabwino - basi ayenera pasipoti, ngongole mbiri alibe udindo uliwonse, mawu a zasungidwa ndi osafunika, palibe kufunika ulemu, ndi kampani wotero kupempha osachepera 18 wazaka sekondale, ngakhale wokalamba kwambiri.

Limatchula za mabungwe microfinance

Komabe, pali wina koma. Ndi - mitengo ndithu mkulu chidwi. Kuyambira 0.5% kuti 2% patsiku. mitengo oterowo ndi chifukwa kuopsa anakumana MFIs okha, chifukwa iwo akupereka ndalama kwa anthu amene iwo sakudziwa kanthu. Basi pamwamba pa izo anali ndi funso lokhudza mabanki - ndipo inu mukhoza kuona mmene n'zosiyana awo kuchokera imene MFIs. Koma chonsecho, makampani awa ndi mu ankafuna, ndipo chiwerengero chawo ndi mwezi uliwonse kudutsa kumakhaladi zambiri. Chifukwa mpikisano mkulu wa MFIs ambiri ayamba kudula mitengo ndi kupanga umafuna dzi kwa makasitomala awo. Ndipo, kwenikweni, ngati mukufuna ndalama kulipira, mungathe kugwiritsa ntchito zawo - ngati inu kutenga Mwachitsanzo, a 10 000 rubles kwa nthawi ya masabata awiri pa 1% tsiku, pa anamalizidwa kulipira rubles 1,400 kokha. Nthawi zina, pamene izi zikwi khumi akhoza kwambiri kuthandiza, kusiyana sudzakhala ngati kwambiri.

M'pofunikanso akuganiza zam'tsogolo

Kumene, pamene munthu akuganiza bwanji mofulumira kupeza ndalama ndi komwe si kuti zokambirana. Komabe, anatengera chinthu chimene aliyense ayenera kumwedwa. Tiyeneranso kukhala ndi chizolowezi wambirimbiri ndalama. moyo wathu ndi sizimadziwika, ndipo ndalama zina pamafunika nthawi iliyonse, ndi mochuluka bwanji - ndi losadziwika. Iwo akhoza kukhala chinthu chaching'ono monga rubles zikwi, mwina ndithu ndalama zambiri. Chifukwa ayenera kupeza wekha envelopu wapadera kapena ndalama ku banki, ndipo aliyense malipiro, kapena kwa wina kupeza ndalama padera kuti, nkuti, 20 peresenti. Si kwambiri. Lisanayambe ayenera kukonzekera mu 80 otsalira.

Kodi kuphunzira kupulumutsa

Poyamba zikuwoneka kuti n'zovuta - m'pofunika chinachake kuchepetsa ndekha, kuti achepetse ndalama zina. Koma ndiye adzalowa chizolowezi angakoledwe kuvula kuposa 20%. Ngati munthu limapeza mwezi wa 25 000 rubles, iwo zikwi zisanu adzapita ku "mu envelopu." Tangoganizani, mu chaka zidzakhala 60,000 a anapeza ndalama! A kuwonjezeka wabwino. Ndi zinthu zina za ndalama akhoza kuchita masamu: tsiku limodzi pa mlungu kuchita kumaliseche ndi - kumwa madzi ndi kudya phala, osati kuwononga mafuta, osati anagula mu amagulako ndi misika, kumwa khofi kunyumba m'malo kugula izo pa cafe pafupi ntchitoyo. 500-gram paketi wabwino pansi khofi ndi Ndipafupifupi 300 rubles, ndipo zambiri kwa mwezi ndi theka, kapena awiri. Limodzi khofi ndalama pafupifupi 50 rubles. M'mwezi - masiku 24 ntchito, ndipo ngati inu kugula tsiku ndi tsiku, iwe 1200 rubles, amene ali 2.5 mapaketi kuti akhoza kutambasula kwa nthawi yaitali kwambiri! Ndipo izi ndi monga chitsanzo limodzi la ndalama. Choncho lingalirani ndalama, inu mufika sudziphunzitsa wekha kuthera osachepera theka, ndi zina - kusiya kaye.

yesani mwayi wanu

Ena ankapita ku funso kumene kupeza ndalama kapena kuti anthu akhoza kuiwala zoti nthawi zina onse ali pa chiopsezo. Ndipo nthawi zambiri chiopsezo izi iyesedwa yolungama. Wina kuzunzidwa kuganiza za komwe ndalama zambiri kugula njira atsopano a matikiti mpikisano ndi kupambana ndi fluke a. The ena amatenga otsala rubles zana ndi kuiika pangozi anu, kuti gulu lochepa mphamvu mpira. Tikuyankhula zokhudza mitengo. Mwa njira, nthawi zina likukhalira kupambana zinkafuna kwambiri. Tiyeni tinene, akaika 500 rubles pa mlingo wa 15, phindu 7500 p. Koma zimenezi zimafuna njira, m'pofunika kudziwa mmene kusewera timu ena, kapena kukhala mwayi. Koma ngati palibe zimene mungachite mwachangu ayenera kupeza ndalama, pamene wina kuyesa mwayi wake palibe kubetcha kapena malotale?

gawo

Ngati zonse njira pamwamba si yoyenera, amakhalabe njira lomaliza - kupeza mwakanthawi mwamsanga. Ndipotu, ntchito ndi, ngakhale kwambiri, koma ntchito sikuti kulipira mochuluka monga antchito oyenera. Komabe, pamene pali njira yothawira, anthu amavomereza pafupifupi pa chilichonse. Pali malonda osiyanasiyana ndi ntchito, monga operekera zakudya usiku kosangalatsa kapena phwando, ogulitsa zosakhalitsa malonda kunyamula, alonda, odikira ndi handymen. Anthu ena, kumverera okha pa mavuto azachuma imakonzedwa pa ntchito awiri - ndi usiku kosangalatsa ndi tsiku. N'zoona kuti nthawi yaitali n'zokayikitsa bwino kupulumuka, koma monga njira yochepa vuto ndi abwino ndithu.

njira zina zasungidwa

Pali njira zosiyanasiyana, koma nawonso siyabwino aliyense. Mwachitsanzo, ndalama pa Intaneti. Kungakhale Mwachitsanzo, copywriting (kulemba) kapena rewriting (buku la malemba wapadera zochokera kale). Koma inu muyenera kukhala angakonze mawu - sangakhoze kulenga popanda uwu wabwino mankhwala zambiri. Ena anayamba kulenga Websites. Komabe, gwero anayamba kopindulitsa, muyenera lingaliro wapadera, zopezeka masamba ake. Komanso, izo zidzakhala zofunikira patsogolo ndi injini kufufuza, kulembetsa mu mndandanda ndi kulengeza pa Intaneti. Other mbuye "Ndalama Zakunja" - ichi Pakufunika zachuma mindset ndi luso kulosera. Ena kugula m'matangadza - palinso ngozi zina. Ndipo, mwatsoka za izi zonse muyenera osachepera nthawi. Komabe, zinthu zonse ndi zotheka. Chinthu chachikulu - kukhala chilakolako, kudzipereka, kuwalimbikitsa, ndi zina mungafunike ndi luso kugona usiku.

imfa Home

Funso la mmene kupeza ndalama otaika kunyumba kumathandizanso. anthu onse adzadziwa zinthu: muli amasowa kuyesera kupeza makiyi kuti mphindi zisanu zokha pamaso atagona pa tebulo pafupi ndi bedi mu holo, ndi TV kutali kapena ndalama ulendo. Ndipo izo zimachitika kuti kutha zazikulupo. Osati zonse ndalama zawo ku mabanki, ena ali ndi achikale njira - kuziika mu envelopu kapena mu chikwama osiyana. Kodi ngati ndalama wapita? Choyamba m'pofunika kusonkhanitsa mabanja onse ndi kulongosola - pamene munthu anawatenga? Ngati ayi, ndiye tonse palimodzi kuti mofulumira kuwapeza. Ndi bwino kutenga pepala ndi cholembera ndi kupanga mndandanda wa malo amenewo kumene, ayenera, mwina ndalama. Tiyenera kufotokozanso kukumbukira nthawi imene iwo mbisoweka. Ndipo, ndithudi, kufufuza mabuku, mapepala, mafoda, maalumali, magazini, mabokosi, milandu ndiponso zovala. Nthawi zina munthuyo amaiwala kumene kuika ndalama. Ambiri, ndi bwino nthawi kukayendera malo kaya. Affairs - theka miniti, koma adzakhala ndalama ndi kusunga, ndi mtendere mumtima mwanu.