"Isikhungo sokuboleka": impendulo evela kumakhasimende nabasebenzi

Uma amabhange enqaba ukuboleka imali noma adinga imali ngokuphuthumayo, izinhlangano zemali zezimali ziza ukusiza . Basiza ukuhlela isikweletu ngephakheji encane yemibhalo futhi ngokushesha ngangokunokwenzeka. Enye yezinkampani ezinjalo ezingekho ebhange yiyona "Isikhungo Sokuboleka". Impendulo kule MFI, engatholakala kule ngqungquthela, izokusiza uqonde ukubaluleka kwangempela kwesibheno kulabo abamele izinsizakalo zezikweletu.

Amagama ambalwa mayelana nenkampani

Inhlangano engekho ebhange "Isikhungo Sokubolekwa" I-OOO "Summit" yinkampani enokuhlangenwe nakho okukhulu emkhakheni wezezimali. Selokhu isebenza kusukela ngo-2011. Ngesikhathi sesisekelo saso inkampani ivule amahhovisi angaphezu kuka-20 emadolobheni ahlukahlukene nasezindaweni zaseRussian Federation. I-Office MFO "Isikhungo Sokubolekisa" (ukubuyekezwa mayelana nomsebenzi wale nkampani kungazwakala kokubili kubasebenzisi nabasebenzi ngokwabo) kuKhoroshevskoye Highway 35, Building 1, eMoscow.

Imisebenzi yabantu

Njengamanje, i- "Isikhungo Sokuboleka" sinikeza ngezinsizakalo ze-microcrediting kubantu ngabanye kanye nezinhlangano zomthetho. Phakathi kwamakhasimende enkampani kukhona abafundi, osomabhizinisi, abesifazana kanye nabantu beminyaka yobudala bomhlalaphansi. Uma ukholelwa ukuthi izibalo, ngesikhathi sokuvula, inkampani isivele ikhishwe cishe ama-microloan angu-37,000 anenani elingaphezu kuka-900 million ruble.

Ngaphezu kwama microloans, "Isikhungo Sokubolekwa" ("Isimemo") esingatholakala ngezansi, sinikeza ukubambisana okuzuzisayo nabatshalizimali. Isibonelo, uma wenza idiphozi, i- "Isikhungo Sokuboleka" sithembisa u-30% ngonyaka. Ngakho-ke, uma ufaka ama-ruble ayizigidi ezingu-5 ku-akhawunti ngesikhathi sezinyanga ezingu-24, ungathola izigidi eziyi-8 kumkhiqizo.

Ngokusho kwabasebenzisi abaningi, isiphakamiso esinjalo sisiza ukwandisa imali yabo. Futhi ukukwenza ngempela ngesikhathi esifushane kakhulu, okungenakujabula kodwa.

Izimpawu ezimfushane zemikhiqizo yezikweletu

Phakathi kwemikhiqizo ebolekayo yemalimboleko, ebalwa ngezigaba ezahlukene zeminyaka, i- "Isikhungo Sokuboleka" (ukubuyekezwa kwamakhasimende kuqinisekisa lolu lwazi) unikeza izinhlelo ezilandelayo:

• "Ngaphambi kokukhokha."
• "Othembekile" futhi "Othembekile +".
• "Nje Naught."
• "Abangane" nethi "Yakhe".
• "Umhlalaphansi".
• "Umfundi".

Futhi kule MFO kukhona okunikezwayo okukhethekile kumakhasimende avamile. Ngosizo lwezinhlelo ezifanayo, njengoba abanye abasebenzisi bethi, ungathola i-microloan kumazinga okhethekile. Ngaphezu kwalokho, i- "Isikhungo Sokubolekwa" sinikeza izikweletu eziqinisekiswe yi-real estate noma izimoto.

Hlola umlando wesikweletu

Inhlangano engekho ebhange "Isikhungo Sokuboleka" (isisebenzi sempendulo kuyo kusiza ukucabangela inhlangano evela kuzo zonke izinhlangothi) inikeza insizakalo ekhokhelwayo yokuhlola umlando wesikolodo somboleki. Ngesiza salesi sevisi, noma ubani angafunda ukufana okuvela kumlando wabo wezikweleti.

Ukuze ulandele umlando wesikweletu, kufanele wenze lokhu okulandelayo:

• Yiya kusayithi lenkampani centrzaimov.ru;
• Chofoza kuthebhu ethi "Imali";
• Khetha ohlwini lo "Umlando wesikweletu";
• Gcwalisa ifomu lesicelo bese ulithumela ku-intanethi.

Ngokusho amaklayenti afake isicelo ku-"Isikhungo Sokubolekwa", impendulo mayelana nokuthi ingabonisa kanjani ulwazi oluwusizo kulabo ababoleka esikhathini esizayo, ngokufaka isicelo sokudingwa ukuze kuboniswe igama, inombolo yefoni yokuxhumana bese ukhetha isifunda ukuthola impendulo. Ngokusho kubasebenzisi abaningi, inqubo yonke ayithathi imizuzu engu-15-30. Futhi ungaba nomphumela omuhle wesicelo ngosuku lokwelapha. Ukubhaliswa okufanayo nokukhishwa kwedokhumenti kwenziwa ekubonisweni kwepasipoti yiklayenti.

Kulula kangakanani ukuthi uxhumane neSikhungo Semiholo?

Ngokusho kwamakhasimende amaningi ama-MFIs, kulula ukufaka isicelo lapha, ngoba amahhovisi enkampani angatholakala cishe kuwo wonke amadolobha amakhulu aseRussian Federation. Ngokwesibonelo, baseMoscow, Yekaterinburg, Nizhny Novgorod, eSt. Petersburg, ePenza, eRostov-on-Don nakwezinye izindawo.

Amanye amaklayenti abelana ngokushesha ukuthi benza kanjani imali yokubolekisa "Isikhungo Semiholo". Izimpendulo eziningi zazo ziphephezela ukuthi ngokujwayelekile inqubo yokubukeza isicelo nokukhishwa kwe-microloan ayisithathi ngaphezu kwesigamu sehora. Kumakhasimende avamile, le nqubo ilula kancane.

Ngingayithola ngimaphi amagama?

Izimo zokuthola i-microloan ngokuqondile zixhomeke kuhlobo lohlelo lwemali mboleko, imvamisa yokwelapha kanye nokholo oluhle lomboleki. Isibonelo, ngokufaka isikhalazo esiyinhloko ku-MFI, ungathembela i-microloan ezinkulungeni ezingu-1,000-30,000 ze-ruble isikhathi esingafinyelela ezinsukwini ezingu-1-30 nakuma-0-2% ngosuku. Futhi ukuze ubhalise, njengoba kubonisa ukubonisa, uzodinga kuphela iphasiphothi yaseRussia. Kuyaphawuleka ukuthi kulokhu inani lemali yokukhokha lizoba ngama-ruble angu-48,000. Ngokwelashwa kwesibili (ngaphansi kwezimo ezifanayo), lowo obolekisa ukubuyisela ama-ruble angu-39,000.

Ngingayithola kanjani imali yesikweletu?

Lapho ulungisa uhlelo lokusebenza, iklayenti ngalinye linelungelo lokukhetha ukuthola imali yesikolo. Isibonelo, ngemuva kokuvunywa kwesicelo, ungafika ehhovisi eliseduzane lenkampani bese uqoqa imali kusuka ku-MFO cash desk. Njengokuzikhethela, kuyinto engokoqobo ukuhleleka imali yokulethwa kwemali ngqo endlini ngisho nasezindaweni zomsebenzi. Yile ndlela inhlangano engeyona ebhange "Isikhungo Sokuboleka" esisebenza. Ukubuyekeza mayelana nakho kungazwakala kokubili kwisiteshi esihle nesiteshi esibi. Kodwa kungenzeka ukuthi wenze isinqumo ngokuthanda komunye noma omunye emva kokuhlaziywa ngokucophelela nokuzikhandla kwakhe enhlanganweni yezimali ezincane.

Yiziphi izinzuzo zokufaka isicelo esikhungweni semali mboleko?

Uma ukholwa iningi lempendulo evela kumakhasimende ale MFI, ungagcizelela lezi zinhlanganisela ezilandelayo ku-"Isikhungo Sokuboleka":

• Ithuba lokuthola mboleko nganoma yimuphi umlando wesikweletu;
• Isivinini esikhulu sokubhaliswa kwemali mboleko;
• Kungenzeka ukukhipha isikweletu semali encane ngokulibaziseka okukodwa;
• Indlela enhle yokuthuthukisa iphrofayela yakho yesikweletu (ngokukhokha okusheshayo kwe-microloan);
• Ukubhaliswa kwama-microloans kubafundi nabahola impesheni;
• Kungenzeka ukuthi uthole imali mboleko engasebenzi futhi engasebenzi;
• Ukukhishwa kwemali mboleko ngendlela elula;
• Ukubhaliswa kwedokhumenti eyodwa;
• Ukukhishwa kwemali mboleko nganoma iyiphi injongo, njll.

Yini amakhasimende nabasebenzi bama-MFIs athi?

Ukubuyekeza mayelana nale nhlangano ongakuzwa kakhulu ukuthi akufani neze. Isibonelo, abanye ababolekayo bakhuluma ngenhlangano yezinto ezinhle kakhulu. Ngakho-ke, abanye babo basitshela ukuthi bakwazi ukuboleka ngokushesha. Bathande isivinini esikhulu sokubhalisa kanye nokuqeqeshwa kwabasebenzi benkampani. Abanye baphikisana okunye. Ngokusho kwabo, abaphathi benkampani abanalo ulwazi oludingekayo emkhakheni wezitifiketi. Bakhuluma ngokungenangqondo futhi bengabonisi ngokwabo.

Owesithathu uyathandwa yizilinganiso eziphansi zenzalo kanye nesimo sengqondo esiqotho kumakhasimende. Owesine uthanda ukusabela okusheshayo kwabaphathi bezinkampani kwenkinga evelile.

Bona kanye nabasebenzi benhlangano bakhuluma ngenkampani ngendlela enhle. Bathanda ukusebenza eqenjini elinobungane. Ngokusho kwabo abaningi, bekukhona ukuthi bathola ulwazi oludingekayo emkhakheni wezinsizakalo zamakhasimende, bafunde ukukhomba abahlukumezayo abangakwazi ukuthuthukisa kanye nokuthuthukiswa kwamakhono okuxhumana ebhizinisi.

Isikhungo sokuboleka imali kanye nokutshalwa kwezimali "Uchwepheshe": ukubuyekezwa nokudideka ngamagama

Ngokuvamile amagama ezinkampani ezihluke ngokuphelele angase ahambisane noma azwile ngokufanayo. Isibonelo, lokhu kuyinkinga nge "Loan Centre" (LLC MCC "Yezezimali NN"), esungulwe ngo-2010. Kodwa-ke, ngokungafani nenkampani yakhe yegamaake, le nkampani isebenza kuphela eNizhny Novgorod nasifundazweni saseNizhny Novgorod. Ngakho-ke sibacela ukuba bangadideki.

Ngaphezu kwalokho, iNkomfa ivame ukuhlanganiswa namakhasimende amasha ne-MFO Investment Centre. Ihhovisi eliphakathi le nhlangano liseSovetskaya Street, 7a, esiteshini. I-Dinskaya Krasnodar Territory. Iphinde ihambise ama-microloans nge ngaphandle kokubambisana, izimali zezentengiselwano zebhizinisi futhi ilungiselele izikweletu zempesheni.

Elinye i-MFO yilawa magamaake - isikhungo semalimboleko kanye nokutshalwa kwemali, esaziwa kangcono ngokuthi "uchwepheshe". Ihhovisi elikhulu lale nkampani liseNovosibirsk, eSovetskaya Street, 22a. Qaphela izimpendulo: "Isikhungo Sokubolekwa Kwezimali Zokutshala" kubhekwa njengenhlangano encane.

Ngokusho kwabanye abasebenzisi, ihlinzeka ngemali-mboleko emakhilomitha angama-30 000 ngezinsuku ezingu-5 ukuya kwezingu-20. Ikhomishana yokusebenzisa imali mboleko kuleli cala ifike ku-2% ngosuku. Ngokusho kwama-client of le nkampani, babenenhlanhla hhayi nje kuphela ukuthola umboleko osalindelwe isikhathi eside, kodwa futhi nokucela ukukhuliswa okuqhubekayo. Ngosizo lwendlela enjalo yokwethembeka, bakwazi ukukhokhela kuqala isithakazelo esikhishwe, bese bevala ubuningi besikweletu.

Yini okufanele ngiyenze ukuze ngigweme ukudideka ngamagama?

Uma unquma ukusebenzisa izinsizakalo ze "Isikhungo Sokuboleka" futhi ungaqiniseki ukuthi lena yinhlangano engekho ebhange, qaphela igama lomthetho lenkampani kanye noxhumana nabo. Futhi, kufanele ufunde ngokucophelela izibuyekezo ukuze uthole ukuthi yikuphi okushiwo "Isikhungo Sokubolekwa". Futhi, ekugcineni, ungabheka ukuthi i-MFI ibhalisiwe kwirejista eyodwa ye-Russian Federation. Ukuze wenze lokhu, hamba kusayithi cbr.ru bese ufaka igama lenhlangano yakho ebhokisini lokusesha elihambelanayo. Ngakho, ungathola njalo i-MFI ehambisana nezidingo zakho.