Indlela yokwenza imali ngaphandle kwenzalo ukuze umuntu?

Namuhla, i-credit - kuyindlela ethandwa futhi ezingabizi ukuze baxazulule izinkinga zabo zezimali, ukuthenga into elungile, imoto entsha noma ifulethi noma indlu yangasese.

Kwabaningi, ukubolekwa imali noma ukuthola imalimboleko - indlela kuphela ukufinyelela umgomo wawo, ngoba buthelela semali kuba cishe kungenakwenzeka.

Onika ayeyiboleke izakhamuzi?

I loan umuntu inkinga ezihlukahlukene izikhungo obolekisayo - amabhange, microfinance izikhungo, credit ama cooperatives, njll ...

Amabhange anikele ezihlukahlukene omkhulu izinhlelo loan. Ngokwesibonelo, target - loan imoto, indlu, imalimboleko imfundo nokunye. Ungase futhi uthole umvuzo ngalo izidingo eziphuthumayo, okungukuthi, ngaphandle kokuqinisekisa ukusetshenziswa ehlosiwe.

Lonke ulwazi kwi ehlongozwayo imikhiqizo yasebhange ingatholakala, ngaphandle eqele ngalé embundwini wendlu, kusukela cishe zonke izikhungo zezimali babe kumawebhusayithi abo, lapho ungakwazi uhlele isicelo inthanethi ngoba loan.

Uyithola kanjani le mali edingekayo?

Ukuze wenze imali ngaphandle kwenzalo ukuze umuntu ebhange, ikhasimende kumelwe ahlangabezane nezimfuneko ezithile. Ubudala kufanele kube ephakathi kwengu-21 no-65. Experience emsebenzini wokugcina akufanele kube ngaphansi kuka-6 izinyanga. Ukuze uthole isidingo sokubolekwa amadokhumenti. Ngaphezu passport, credit ochwepheshe bacelwa ukuba ifomu isitifiketi engenayo 2-PIT noma ngesimo ibhange akhethiwe Futhi uzodinga ikhophi yerekhodi umsebenzi noma umsebenzi wenkontileka, eqinisekisiwe nguMnyango izisebenzi endaweni yomsebenzi umboleki. Uma iklayenti kuyinto umnikazi ikhadi iholo webhange noma impesheni ku-akhawunti ivulekile nalo, bese athathe isikweletu nomuntu kuyoba lula kakhulu - imibhalo eqinisekisa solvency futhi umsebenzi ukunikeza, njengoba umthetho, kungadingeki.

Kumelwe sikhumbule ukuthi loan ebhange kungathatha izinsuku ezimbalwa noma ngisho amasonto. Ngesikhathi esifanayo kaningi, ikakhulukazi ukulungiswa semali credit, kudingeka ukuthi unikeze eseduze noma guarantors (isib, ingcebo noma imoto). Uma ibhange lenza isinqumo omuhle isicelo eligcwalisiwe uyabulawa nesivumelwano sokubolekwa imali nomuntu zemvelo.

Ezinye izindlela zokuthola imali ezikweletini

Okuningi kulula ukuthola imali ngaphandle kwenzalo ukuze umuntu kwelinye izikhungo eziningi microfinance. Lokhu okuthiwa micro- ngesikweletu noma aboleke imali express. Ukuze umklamo wabo uvame kudingeka ukuthi unikeze kuphela passport. Lokhu kubolekisa ngemali zikhishwa ngisho kumakhasimende ne-credit negative umlando noma ngaphandle umsebenzi unomphela. Nokho, inani lenzalo okwesikhathi microloan lingaphezulu kakhulu nje loan. Ukucutshungulwa isicelo sivame kusuka imizuzu engu-15 Ihora elilo-1. Umboleki bangaba yisiphi isakhamuzi ubani ukubhalisa unomphela kwi insimu yase Russia. Zingase zibekwe impesheni, abafundi, labo abasebenza ngokwethukela, futhi kwezinye izigaba zezakhamizi.

Ngakho, loans udaba imali nabantu namuhla, ngeke kube nzima, ngoba kukhethwa izikhungo zezimali kanye nemikhiqizo credit ahlinzekwa likhulu kakhulu. Ababoleka imali nje kudingeka lamukele kahle izidingo zabo futhi ngesisekelo kubo ukhethe umkhiqizo ofanele loan.