Amaphesenti aphansi imalimboleko - indlela ukuze uthole?

Isidingo imali eyengeziwe livela iningi lezakhamuzi. Omunye izixazululo engcono inkinga loan ebhange. Kodwa akhokhe akekho ofuna, futhi aqale ukufuna indawo lapho isithembiso iphesenti ephansi yemali ebolekwayo.

Kushiwo ngamuphi umqondo ukuthi izinga ku loan?

Inqubomgomo Ikhredithi amabhange obakheka ngale ndlela. Bank ozuza imali kusuka Central Bank of the Russian Federation esimweni engcono ngesilinganiso refinancing, kanti okubi - of izinga ukhiye.

Ukuze isibonelelo imali ingasetshenziswa, kanye nezimali owabanjwa mhlaka idiphozi, kodwa uthepha ngokugcwele imali akunakwenzeka. Okwazekayo, kungenzeka lezo zimali esikhishwe futhi amaphesenti kancane ephakeme amanani imali. Nalokho bekusayoba inzuzo. Nokho, izisebenzi zasebhange uthanda ukwakha inqubomgomo credit iyunifomu hhayi ukwehlukana netinsita letikhona. Ngenxa yalokho, i-ephansi iphesenti loan usazoba ephakeme kunaleyo izinga ayisihluthulelo Central Bank on amaphesenti 30-40. Lona ngokoqobo.

Iziphi izimfanelo ezizosisiza umboleki ukunciphisa inani lenzalo?

Obolekayo egcina izigaba eziningana sokuhlola. Ibhange ngisho wadala nezinhlelo ezikhethekile ngokushesha ngesisekelo lemibuzo Ukusetha usayizi owandulelayo inani lenzalo. Ngenxa yalokho, ukuthola loan evumayo, iphesenti ezincane ukuze "bathole".

Ngakho, ake sibone ukuthi yini izici kuzonciphisa lesi sibalo, kanye lapho, kunalokho, ukwandisa.

Ake uqale nge ezicini ezinhle:

• ukubuyiswa kwemali ngempumelelo imalimboleko, ethathwe yasebhange afanayo, ubungeke "ukuxoxisana" amaphesenti ambalwa.
• ukubuya ngempumelelo loan athathwa kwenye asebhange, akunjalo abalulekile, kodwa futhi kuyosiza.
• A idiphozi ebhange imali ehloniphekile ngokuqinisekile ukhuluma esivuna umboleki. ebukhoneni Bakhe - cishe u-100% we isiqinisekiso loan ikhishwa.
• bezindawo, ikakhulukazi uma lihlotshiswe kuphela isicelo.
• Umshini at impahla. Konke kuncike kulokho hlobo imoto, lapho uyakwazi.
• Isici Positive - kucashwa esemthethweni, ikakhulukazi uma isipiliyoni umsebenzi mikhulu.
• Ukunikeza usizo yefomu 2-PIT.

Yiziphi izici umboleki kungathinta ukwanda kwamaphesenti?

izinkomba Negative futhi eyanele. Ake uqale nge leyo ngokuphelele ngaphandle ukuthi kungenzeka yokuthola yemali ebolekwayo:

• Bad Umlando wokukhokha kwemali.
• Ukuba khona ukuqiniseka.
• Ukungabi imali (akukho msebenzi, ibhizinisi).
• Ukuba khona impahla Kuboshwe enkantolo.

Enye uhlu izimo kungase kungabi into ethile ebiyisithiyo uthole oyifunayo loan izimali, kodwa loan at the aphansi senzalo ukuthatha nje ungavumeli:

• Small engenayo kuvezwe indawo umsebenzi noma ibhizinisi.
• Ukuntuleka kokukhulumisana ingcebo nempahla.
• Ukuswelakala kokusebenza ngokuhlanganyela ubunikazi imoto.
• Isibopho sokubuyisela nesondlo.
• Umboleki abasha, okungukuthi, iminyaka yayo kancane eminyakeni engaphezu kuka-21.
• Kube khona ukubambezeleka dlule loan ukubuyiswa kwemali.
• On enzuzweni ibikwe Federal Tax Service ingeyona futhi isitifiketi yasebhange, ligcwaliswe ukungabi khona imali olusemthethweni.

Yiqiniso, le ndlela kuyinto eyayivela kakhulu. Eqinisweni, ongakhetha okuningi.

Indlela hlola esizayo umboleki sika?

Ukuze uthole aphansi senzalo ku loan, ngezinye izikhathi adingekayo ukuze asekele ukuqinisekisa kubasekeli. Ukuze uqale nge yonke idatha kusuka amaphrofayli umphathi womnyango credit engena computer, lapho isimiso esikhethekile uyoveza ukuhlaziywa idatha. Uma sikhuluma izikhungo microfinance, ngokuvamile zonke futhi iphela kulesigaba Lesiphakeme. Ukuze izinsiza ezikhungweni ezifana musa ukudonsa. Kodwa ezigxotsheni kukhona umxhwele.

Uma sikhuluma, isibonelo, isifiso ukuthola loan umthengi, iphesenti eliphansi kakhulu amabhange anganikeza okusheshayo, ukuze singathwesi alibale umthengi. In the mode nokusebenza, kuqala okufakiwe amadokhumenti kuhlolelwe ubuqiniso, bese - nomlando credit. Umphathi kungaba ngisho ukubiza inkampani lapho isicelo usebenzela ulwazi sithunyelwe. Kodwa izenzo ezinjalo ngokuvamile iholela amaphutha ngenxa usole. Kuyinto kakhulu iyashelela ukuya Pension Fund solwazi, futhi ubone yonke amacala, okuyinto imihlatshelo enjalo ngokuvumelana iholo olusemthethweni. Ngakho manje-ke kwenziwa.

Kungakanani ukuze uthole?

Ukuze ubale oku iphesenti ephansi yemali ebolekwayo, umboleki kumele babe engenayo elihlangabezana izimfuneko ezithile emphakathini. amabhange Othembekile kusekelwe eqinisweni ukuthi izinkokhelo ku loan akufanele bube ngaphezu kuka-40 per cent yomholo. Kungenjalo, lo muntu obolekayo ngeke ngokwanele ukuba baphile, futhi sizoqala uyephuza izinkokhelo.

It kuvela lolu hlobo kwencika: izimo ezikahle emalini ebolekwe ukunikeza elichumayo ngokwezimali izakhamuzi isikhundla kuphela. Nakuba nje ukuthi bangakwazi ukukhokha imali ngaphezulu. Kodwa ngakho-ke wavula.

Indlela ukukhetha ebhange?

Thina uholé izici lapho amabhange wathatha "friendly" amakhasimende. Kodwa kukhona imibandela ngawo ukukhetha isikhungo credit iyakwazi ukunikeza loan cash is aphansi zenzalo.

Isinyathelo sokuqala ukuba nesineke, lo msebenzi akuyona kakhulu elula, futhi kudinga isikhathi esanele. Isikimu silinganisiwe isenzo simiswe ngalendlela lelandzelako:

1. Ihlaziya isimo emakethe umthengi credit.
2. Sifundza iziphakamiso kwamabhange. Ngo izikhungo nge isimo iqhaza angaphezulu izimo ezincane kodwa obuqinile.
3. Ithumela isicelo ku-intanethi amabhange zakho ozithandayo.
4. Iziphakamiso kufundvwe kuqala ekhaya bese - emahhovisi.

It uhlala ukwenza ukukhetha, ukuqoqa imibhalo bese uqale ukubhalisa.