Alternatives ebhange obolekisayo

Ibhange ezimbi kanye nokuhle izindlela ebhange abolekise?

Ngokuvamile, ukubolekwa imali ebhange akuyona njalo elula kangaka nokulula, njengoba ekukhangiseni. I yokuntula ziningi futhi bonke bangabafundi eyaziwa:

• yinkimbinkimbi design - ngezinye izikhathi eziningi nemibuzo edingekayo ukuqoqa phezu ukucutshungulwa loan kuthatha isikhathi eside kakhulu
• zidinga ubufakazi engenayo - ngabe usebenzisa umshayeli wetekisi yangasese, okuthile yibhange imali engango kungenziwa ukhohliwe. amabhange isiqinisekiso ngempela esemthethweni engenayo, okunganikeza, akubona bonke
• amabhange engathandi ukusebenza amaklayenti "okuyingozi" - uma usomabhizinisi ngabanye noma yosebenza ongumnikazi webhizinisi, ibhange ungena indawo ye ingozi, futhi ukuthola loan cishe kungenakwenzeka
• yobudala imingcele - imikhawulo yobudala kuyinkinga enkulu kakhulu. Ngokwesibonelo, uma ungaphansi kweminyaka engu-23 ubudala noma ngaphezulu kuka 65, ke wena cishe uzokwazi ukuthola loan
• isinqumo eside - ngezinye izikhathi, ikakhulukazi uma ezishisiwe ezinkulu, isiqunto sokunikela loan, amabhange kungathatha isikhathi eside kakhulu. ngakho iya ebhange lapho imali iyadingeka "izolo" - kuyingozi. kungenzeka ukuthi kunqatshelwe, kanye nesikhathi isivele wachitha.
• beshaya - lapho ibhange uqala "ukwelashwa" of ikhasimende entsha, kukhona "ibhokisi elimnyama" (amagoli uhlelo), esihlinzeka isinqumo okukhipha (kwenqatshwa / ukwamukelwa). Ngokwesibonelo, abaningi amagoli izinhlelo ayikho ifoni ekhaya - isizathu sokwenqaba (nakuba amaningi awo amane ungayisebenzisi), noma uma wenza yokukhokha sekwedlule isikhathi kwi loan umakhalekhukhwini, ngephutha kancane ruble 20, umshini amagoli izokhipha ayenqaba! Phela, une "omubi" Umlando wokukhokha kwemali ...

Kusobala ukuthi akuwona wonke umuntu angakwazi nezithelo abambisane amabhange. Kule ndaba, okwamanje ngenkuthalo ekuthuthukiseni abolekise emakethe altrenativnogo ebhange.

Kuphi? Enye ebhange obolekisayo

Yiziphi izindlela ebhange, futhi kanjani umehluko?

1. ukubolekisa Private - yiya iyiphi isayithi isikhangiso, faka search for "imali yangasese" futhi uzobona eziningi izikhangiso - Dame ukubolekisa ngemali ngenzalo. Lawa ukubolekisa kusukela zababolekisa ngemali. Bheka kubo kuphela njengendlela yokugcina, uma imali eningi ukuze uthole ndawo. Bawo yaleli credit:

• iphesenti elikhulu
• "Opacity" zomthetho kuthengiselana
• uma ungakwazi ukukhokha izikweletu, kungenzeka angcwatshwe Khimki impungushe (ihaba)

Kodwa kukhona eziningi eziwusizo:

• Isikweletu esingu kungenziwa etholwe ngamunye
• loan Ikhishwe ngokushesha

2. Microfinance izikhungo (MFIs) - eseyintsha emakethe Russian. It waphasisa umthetho №151-FZ "Ngo microfinance futhi microfinance izinhlangano" 8 Juni 2010 nguMbuso Duma we Russian Federation. Yezinjongo eziyinhloko izikhungo microfinance kuthiwa "ukunikeza amabhizinisi amancane abantu abaye kungagcini ukufinyelela amasevisi ebhenki bendabuko, zezimali kanye umphelelisi amasevisi abo, yakhelwe kusukela iphuzu Ngenxa umphumela lezomnotho othuthukileko phezu bushelelezi ka ekungalinganini emphakathini emphakathini, ukuthuthukiswa kwamabhizinisi yangasese, ekwenteni ncono emazinga ophilayo, ukuhlinzekwa umsebenzi. "

Kusukela isigaba ngenhla kuyacaca ukuthi izikhungo microfinance - ukuhlanganiswa umthetho ebhange okunye. I yokuntula eyinhloko MFIs:

• Loan lemali akukwazi ezingaphezu kuka-1 million. Ruble
• amaphesenti ngenhla ibhange
• Akubona bonke MFIs zinokwethenjelwa

Buhle MFI:

• MFI kulawulwa FSFM, okusho ratio ababoleka futhi ababolekisi kukhona state-elawulwa
• iphesenti lingaphansi kakhulu kunalokho zababolekisa ngemali
• "Obala" zomthetho kanye "ukuhlanzeka" kuthengiselana
• ukuthola loan ne MFI kulula kakhulu kunezinye ebhange. MFIs abaqotho kakhulu nenqubo ekuhloleni ababoleka futhi izicelo loan ezibhekwa fast kakhulu

Isexwayiso! Akubona bonke izinhlangano ukuthi ukuba zikhulume kube MFIs ukuphi. Ngaphambi kokuvala kuya MFIs ukweluleka sithole ukuthi kuba irejista FFMS. Federal Izimakethe zezimali Izikhungo Registry lutholakala esidlangalaleni futhi isixhumanisi: http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Njengoba MFIs zisekhona nhlobo, prvide uhlu encane, okuyinto lungatholakala:

1. "Loans Iholo" - phezulu sokubolekwa ruble angu-50 000. Isithakazelo kubo likhulu kakhulu, kodwa lula ukuthola futhi kulula ukubuyela. Ngokubona kwami, izimo eyamukelekayo kakhulu izinkampani ezilandelayo:

a) imali Domestic - elula ukuthi abaphathi yenkampani ukukhonza amaklayenti ekhaya, ungahambi kuphi.

b) Mini Imali (ukusebenza eMoscow Petersburg) - kakhulu "ezifanele" inzalo.

2. ukubolekisa Major - ukubolekisa kusuka 50 000 nangaphezulu. Ngokuvamile, iphesenti them closer ebhange, kodwa izimo mancane abaqotho kunokuba e "ayeyiboleke Iholo." Emalini ebolekwe esinjalo, ukhululekile kakhulu Kwakuba sengathi ukusebenza izinkampani ezilandelayo:

a) Izinkampani AEC Group (umsebenzi kuphela eMoscow nesifunda eMoscow) - inkampani omuhle kakhulu nge idumela elihle. I negative kuphela - ungakwazi kuphela uthole imalimboleko credit imoto. Iwebhusayithi: http://aecgroup.ru/

b) Finotdel - loans kuphela ibhizinisi, kodwa ingatholakala ngaphandle izibambiso.

3. Umthombo Cooperative (CCP) - ngeshwa, angibanga ujwayelene imininingwane emakethe i-PDA, ngakho musa ufuna ukubhala lapha Imininingwane ezingaqinisekisiwe. Sengizochitha ukucacisa kabanzi udaba bese ubhala mayelana CCP sihloko ehlukile.

4. Lombard

pawnshop Good ubudala kuzwakele kubo bonke, ngakho mina ngeke bangene imininingwane. Esitolo pawn, ungakwazi kalula usathola isamba semali, kodwa kufanele ushiye impahla yabo. Ukuze akubuyise ngokukuhlenga impahla, kuyodingeka bakhokhe ngempela iphesenti eliphezulu.

Inhlanhla ukukubona masinyane!