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Mayelana nalolu hlelo lokusebenza
Kuwe, sidale isevisi yamahhala yezinkampani ezinkulu nezithembeke kakhulu ezihlinzeka ngemalimboleko encane, zonke zisebenze emakethe isikhathi eside futhi zizenzele njengabalingani abahle, imisebenzi yazo ilawulwa yiCentral. IBhange Lombuso WaseRussia, kanye nokukhishwa komthetho weFederal.
Abantu abaningi bazithola besezimeni ezinzima zezimali futhi kwenzeka ukuthi badinga imali lapha futhi manje, ukuze bangazihlazi phambi kwabangane, vele ulande lolu hlelo lokusebenza, futhi uzohlala unethuluzi elizokusiza ukuthi uphume. noma kuphi 24/7, imali mboleko bagunyaza ngokushesha futhi imali izofika ekhadini kungakapheli imizuzu eyi-10-15.
Manje usunethuba lokuthola imali mboleko ekhadini: I-Visa, i-Maestro, i-MasterCard, i-MIR, nezikhwama ezihlukahlukene ze-elekthronikhi ngaphandle kokushiya ikhaya lakho futhi ngaphandle kokuya kumasayithi anonya, kodwa kuphela ezisemthethweni, ngoba yonke idatha yenkampani ifakiwe kuhulumeni. irejista ye-Central Bank of the Russian Federation, eqinisekisa ukuphepha kwakho kokubili izinkokhelo kanye nokucutshungulwa kwedatha yomuntu siqu!
Faka isicelo ngokushesha ezinhlanganweni ezi-2-3, lokhu kuzokwandisa ithuba lokuthola imali ebolekiwe ekhadini.
Futhi qaphela ukuthi, njengomthetho, imali mboleko inikezwa amakhasimende amasha ngo-0%, futhi ngokufaka isicelo njalo enhlanganweni entsha ukuze uthole imali ebolekiwe encane, akumele ukhokhe ngokweqile% phakathi nenkathi yomusa. Ngakho-ke, uma ungenaso isikhathi sokubuyisela imali mboleko eyodwa, ungathatha entsha futhi ubuyisele endala ukuze ungakhokhi% futhi ungadluli isikhathi somusa!
Ukuze uthole imali mboleko ekhadini, njengomthetho, ipasipoti yesakhamuzi saseRussian Federation izokwanela, ngezinye izikhathi amanye amadokhumenti angadingeka, kodwa lokhu akuvamile ukwenzeka.
Ubuncane beminyaka okuvunywa kuyo imalimboleko eku-inthanethi yiminyaka eyi-18, ubuningi yiminyaka engama-65.
Ungayithatha kanjani imali mboleko ku-inthanethi?
Landa uhlelo lokusebenza bese ukhetha okunikezwayo okufanelana nawe (imizuzu emi-3-5);
Gcwalisa isicelo semalimboleko encane bese uyithumela ezinhlanganweni ezi-3-4 (3 imiz.);
Linda amaminithi angu-2-3 ngenkathi uhlelo lusahlolwa ohlelweni. Ukugcwaliswa kabusha kwebhalansi kuzokwenzeka cishe ngokushesha!
Uma isicelo singavunyiwe, akunandaba, mane uthumele esisha kwenye inkampani.
Isibonelo sokubala isilinganiso senzalo:
- Inani lomzimba wemalimboleko - ama-ruble angama-20,000.
- Isikhathi semalimboleko - izinsuku eziyi-100.
- Ikhomishini yokusetshenziswa kwemali mboleko: 0.08% ngosuku, okungukuthi, ama-ruble ayi-16 ngosuku, noma ama-2.4% ngenyanga (isilinganiso sezinsuku ezingama-30), i.e. Ama-ruble angama-480 ngenyanga (isilinganiso sezinsuku ezingama-30).
- Inani eliphelele lekhomishini yezinsuku eziyi-100 lizoba ngama-ruble ayi-1600.
- Inani eliphelele okufanele libuyiselwe, kucatshangelwa inani lemalimboleko encane: ama-ruble angama-21,600.
- I-FLC - izindleko ezigcwele zemali mboleko (i-FLC - Izindleko Zokubolekwa Okugcwele) ngamaphesenti angama-29.2% ngonyaka.
Imiphumela yokulibaziseka ekukhokhweni kwemali mboleko:
Esimeni sokwephulwa kwemibandela yokukhokhwa kwemali mboleko ku-inthanethi, inani lenhlawulo lingaba ngu-0.1% yenani eliphelele lokubambezeleka ngosuku, kodwa lingabi ngaphezu kuka-10% yenani lesamba semalimboleko.
Isicelo sethu asikhiphi ama-microloan aku-inthanethi futhi akuyona i-MFI. Uhlelo lwethu luqukethe idatha ekuhlinzekweni kwamanje emakethe yemalimboleko encane, usebenzisa isihlungi, ungakwazi ukuhlela kalula imali ebolekiwe ngenani, bese uyifaka ezintandokazini zakho ukuze ungakhohlwa ukuthi usuthathe kuphi imalimboleko futhi ungathathi eyesibili kakade. at%, kukhona nokubala okulula kuhlelo lokusebenza, okuzokusiza nokubala.
Abantu abaningi bazithola besezimeni ezinzima zezimali futhi kwenzeka ukuthi badinga imali lapha futhi manje, ukuze bangazihlazi phambi kwabangane, vele ulande lolu hlelo lokusebenza, futhi uzohlala unethuluzi elizokusiza ukuthi uphume. noma kuphi 24/7, imali mboleko bagunyaza ngokushesha futhi imali izofika ekhadini kungakapheli imizuzu eyi-10-15.
Manje usunethuba lokuthola imali mboleko ekhadini: I-Visa, i-Maestro, i-MasterCard, i-MIR, nezikhwama ezihlukahlukene ze-elekthronikhi ngaphandle kokushiya ikhaya lakho futhi ngaphandle kokuya kumasayithi anonya, kodwa kuphela ezisemthethweni, ngoba yonke idatha yenkampani ifakiwe kuhulumeni. irejista ye-Central Bank of the Russian Federation, eqinisekisa ukuphepha kwakho kokubili izinkokhelo kanye nokucutshungulwa kwedatha yomuntu siqu!
Faka isicelo ngokushesha ezinhlanganweni ezi-2-3, lokhu kuzokwandisa ithuba lokuthola imali ebolekiwe ekhadini.
Futhi qaphela ukuthi, njengomthetho, imali mboleko inikezwa amakhasimende amasha ngo-0%, futhi ngokufaka isicelo njalo enhlanganweni entsha ukuze uthole imali ebolekiwe encane, akumele ukhokhe ngokweqile% phakathi nenkathi yomusa. Ngakho-ke, uma ungenaso isikhathi sokubuyisela imali mboleko eyodwa, ungathatha entsha futhi ubuyisele endala ukuze ungakhokhi% futhi ungadluli isikhathi somusa!
Ukuze uthole imali mboleko ekhadini, njengomthetho, ipasipoti yesakhamuzi saseRussian Federation izokwanela, ngezinye izikhathi amanye amadokhumenti angadingeka, kodwa lokhu akuvamile ukwenzeka.
Ubuncane beminyaka okuvunywa kuyo imalimboleko eku-inthanethi yiminyaka eyi-18, ubuningi yiminyaka engama-65.
Ungayithatha kanjani imali mboleko ku-inthanethi?
Landa uhlelo lokusebenza bese ukhetha okunikezwayo okufanelana nawe (imizuzu emi-3-5);
Gcwalisa isicelo semalimboleko encane bese uyithumela ezinhlanganweni ezi-3-4 (3 imiz.);
Linda amaminithi angu-2-3 ngenkathi uhlelo lusahlolwa ohlelweni. Ukugcwaliswa kabusha kwebhalansi kuzokwenzeka cishe ngokushesha!
Uma isicelo singavunyiwe, akunandaba, mane uthumele esisha kwenye inkampani.
Isibonelo sokubala isilinganiso senzalo:
- Inani lomzimba wemalimboleko - ama-ruble angama-20,000.
- Isikhathi semalimboleko - izinsuku eziyi-100.
- Ikhomishini yokusetshenziswa kwemali mboleko: 0.08% ngosuku, okungukuthi, ama-ruble ayi-16 ngosuku, noma ama-2.4% ngenyanga (isilinganiso sezinsuku ezingama-30), i.e. Ama-ruble angama-480 ngenyanga (isilinganiso sezinsuku ezingama-30).
- Inani eliphelele lekhomishini yezinsuku eziyi-100 lizoba ngama-ruble ayi-1600.
- Inani eliphelele okufanele libuyiselwe, kucatshangelwa inani lemalimboleko encane: ama-ruble angama-21,600.
- I-FLC - izindleko ezigcwele zemali mboleko (i-FLC - Izindleko Zokubolekwa Okugcwele) ngamaphesenti angama-29.2% ngonyaka.
Imiphumela yokulibaziseka ekukhokhweni kwemali mboleko:
Esimeni sokwephulwa kwemibandela yokukhokhwa kwemali mboleko ku-inthanethi, inani lenhlawulo lingaba ngu-0.1% yenani eliphelele lokubambezeleka ngosuku, kodwa lingabi ngaphezu kuka-10% yenani lesamba semalimboleko.
Isicelo sethu asikhiphi ama-microloan aku-inthanethi futhi akuyona i-MFI. Uhlelo lwethu luqukethe idatha ekuhlinzekweni kwamanje emakethe yemalimboleko encane, usebenzisa isihlungi, ungakwazi ukuhlela kalula imali ebolekiwe ngenani, bese uyifaka ezintandokazini zakho ukuze ungakhohlwa ukuthi usuthathe kuphi imalimboleko futhi ungathathi eyesibili kakade. at%, kukhona nokubala okulula kuhlelo lokusebenza, okuzokusiza nokubala.
Kubuyekezwe ngo-
Ukuphepha kuqala ngokuqonda ukuthi onjiniyela baqoqa futhi babelane kanjani ngedatha yakho. Ubumfihlo bedatha nezinqubo zokuphepha zingahluka kuye ngokusebenzisa kwakho, isifunda, nobudala. Unjiniyela unikeze lolu lwazi futhi angalubuyekeza ngokuhamba kwesikhathi.
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