Kuyini loan? ukuhlaziywa enemininingwane

Lesi sihloko sichaza lokho loan, kungani kufanele kuthathe, futhi uyaqonda sihloko ethandwa kulezizinsuku izinhlangano microcredit.

I Endulo

Uma sicabanga ngesihloko ezifana nemalimboleko futhi ukuboleka imali ngenzalo, ubudlelwane isibopho sezomthetho ke enjalo ikhona kusukela kudala. Kancane kancane, ngosizo ekukhuleni komphakathi kulo, uquqaba lwezingelosi izici zokuziphatha nezenhlalo ukuthi esivela nezidalwa esinemizwa. Ukuze Ngokwesibonelo, izwe, unike izihlobo usizo, ezinye izibopho zokuziphatha nokunye.

With ukuthuthukiswa ubudlelwane lezimpahla-imali zivele kahle abantu onganikela omunye umuntu amafa eziphathekayo yisimo ukubuya ayimpoqo esithombeni emikhulu, ngokuvamile isikhathi-engaphansi, esithathelwe phezu izikweletu. Laba bantu okuthiwa usurers, futhi-ke, akunjalo ngaphandle izinzuzo - Kuxhomeke ekutheni isithakazelo, noma impahla, ibheyili okwakuthatha loan. zababolekisa ngemali babesibona yayisesimweni esingenathemba, iqondiswa disadvantageous ngamabomu ngoba izimo obolekayo, ngakho emphakathini ngabo bebelokhu selashwe nemibi ezinkulu.

amabhange

Ngemva kwesikhathi eside kwafika amabhange lokuqala eziye wenza nesivumelwano sokubolekwa imali kanye sihluke zababolekisa ngemali izimo kucace ukuthi elawulwa uhulumeni kanye nokwenzeka ukukhula kancane kancane imali noma okunye ukusebenza yasebhange.

Esikhathini sethu cishe wonke amazwe athuthukile amabhange anikele ezihlukahlukene amasevisi ngesikweletu, sekunesikhathi eside wesiko ngaphakathi spite of eziphezulu zenzalo, abantu namanje ukuzisebenzisa ngenxa lula irisidi osheshayo kwezimali. Futhi muva nje babe nezinhlangano ethandwa ezinikeza ukubolekisa osheshayo. Ngakho-ke yini loan? Indlela ihluke loan nokuthi ingatholakala, ngaphandle ngisho kokushiya ekhaya lakho, ezifana ikhadi ebhange? Kulesi siyowuqonda.

definition

Ukuqala amagama ukuqaqa. A loan - it is a uhlobo oluthile ubudlelwane icala, isivumelwano ngaphansi iyiphi Ukudluliselwa party kwenye ubunikazi noma ukulawula okwesikhashana ezinye izimpahla eziphathekayo - imali, ukuba nezinto ngombandela ukubuya ayimpoqo singakapheli isikhathi esibalulwe. isivumelwano esinjalo singase sisebenze njengendlela free futhi wakhokha, futhi ngokuvamile kumasevisi afana basolwa isithakazelo. Ngokwesibonelo, uma umuntu othatha imali-mboleko ngo-inani ruble 1,000, ruble 1,500 bayobuyela. Ngakho manje siyazi ukuthi loan ezinjalo.

Iphuzu okukhulunywa

Kodwa uma kukhona ukubolekisa, kungani ukuboleka imali? Into wukuthi ukuthola imalimboleko ebhange side kakhulu futhi kudinga imibuzo eminingi mayelana iholo ukuze isisebenzi sasebhange, elikhiphe credit, wayeqiniseka ukubuya kwakhe. Ngaphezu kwalokho, ngaphansi komthetho wamanje we senzalo kanye loan imigomo akukwazi ukundlula kwezinkambiso esungulwe ngokukhethekile.

Nokho, elinye ikheli le-loan lapho kudingeka ngokuphuthumayo imali. Ngokuvamile, lezi zinhlangano ibanike, uma kungenjalo ngokushesha, phakathi amahora ambalwa noma izinsukwana. Futhi iningi asidingi izitifiketi imali kanye namanye amadokhumenti. Kodwa ukuze kube lula ezifana nesivinini kokuba ukukhokha okusezingeni eliphezulu inzalo engako, futhi nezinsuku ozinikeziwe. Lapha kudingeka baqonde ukuthi imali-mboleko.

By endleleni, ngomoya ofanayo micro-credit izikhungo ezihlobene amahlazo ezinkulu eziningana, ngoba izimo ngaphansi lapho umboleke, sihluke kakhulu ebhange ngenjongo yokubi Ngasohlangothini iklayenti. Kodwa kungani namanje abantu ukusebenzisa amasevisi wabo?

Lonke Into e iphesenti eliphezulu ukwamukelwa kwezicelo. amabhange ezinkulu kakade unazo walo nhlobo database abanamacala futhi umane abantu abanale noma kanye semthethweni loan, futhi kuncike Umlando wokukhokha kwemali anqume - ukubambisana ikhasimende ku noma cha. Uma sikubeka kalula, umuntu ongasebenzi loans engekho noma ezinye izikweletu cishe kuzobangela ukwenqatshwa. Inkampani elikhiphe microcredits, ukuvuma isicelo bese ungena nesivumelwano sokubolekwa. Ngokwemvelo, at ukulahlekelwa, bamane azisebenzi, futhi ekuqongeleleni nokuqoqwa kwezikweletu ejensi nje bathengisa isikweletu.

ikhadi lasebhange

With ukuthuthukiswa-intanethi nobuchwepheshe digital izinhlangano lesiRotuma ezinikeza loan igama ikhadi lesikweletu. Ukuze kube lula, bonke imisebenzi eyenziwa nge-Web, ngokugcwalisa amafomu electronic kuwebhusayithi kwenhlangano. Wachaza ngokuningiliziwe izimo ukuthola inani lenzalo, ukubuyiswa kwemali sikhathi, accrual yenhlawulo yokukhokha sekwedlule isikhathi nokunye.

Ziyahlukahluka lwesikhathi kokubukeza futhi imibhalo ukuthi ziyadingeka. Ngokuvamile, ukuthola izimali ezidingekayo ukuze ukhombise idatha yabo iphasipoti, thwebula scan amanye amadokhumenti kanye nemininingwane yokuxhumana. Uma isicelo sivunyiwe yiklayenti baxhumana opharetha ukuze uthole eminye imininingwane, futhi umuntu uthola loan kusengozini. Kodwa lapho design kumelwe niqaphelisise kanye cwaningo enemininingwane yonke imithetho kanye nemibandela ukuze sigweme izinkinga esikhathini esizayo.