Lapho ukuboleka imali ngokushesha, ngisho noma kukhona ukubolekisa evelele?

Abantu abaningi bacabanga lapho ukuboleka imali ngokushesha. Lo magazini kubalulekile. Phela, akekho iphephile ngezimo ezingalindelekile. Mhlawumbe abanye "ennaya" lemali edingekayo ukuze bathole ukwelashwa noma nokuvuselelwa! Lapho ukusebenzisa kulesi simo? Ukuthi baziphathe kanjani? Hhayi kunzima ukuphendula uma ungenayo noma yiziphi izikweletu ezinkulu. Futhi uma kukhona ukubolekisa evelele? Ubani ongafaka ukucela imali ngobukhulu ezahlukene? Amathiphu aphambili namasu, funda ku!

Sebenza futhi ukusebenza futhi

Into yokuqala ongayenza uma wena esiphuthumayo imali ngesikhathi credits kokuvula - kuyinto ukuthola imisebenzi yesibili. Ngamanye amazwi, musa bangene kwenye eside, kodwa ukuze nje uthole lemali edingekayo. Akulula, kodwa kungenzeka.

Ngokuvamile, le ndlela muhle kakhulu kulabo "musa ovuthayo" loan. Okusho ukuthi, imali kudingeka ngokuphuthumayo, kodwa hhayi ngokushesha. Uma kukhona okungenzeka kancane izimali ezimele ukukhiqizwa uzame ukuyisebenzisa. Vele ngakho ngeke uthole uzicabange "izikweletu isicupho".

Ekusebenteni, ikhambi elinjalo kuyaqabukela yimpumelelo. Futhi abantu zama ukucabanga ngenkuthalo mayelana lapho ukuboleka imali ngokushesha. Phela, akhokhe izikweleti esikhathini esizayo, ngezinye izikhathi kulula kakhulu ukwedlula e esikhathini esifishane ukuzenzela okwakho.

izihlobo

Ubani owenza lokuxhumana uma kukhona izinkinga? Ukuze esiseduzane! Ngakho, uma ucabanga lapho ukuboleka imali ngokushesha, ngisho noma kukhona ukubolekisa esisele, ungazama ukufaka isikhalazo ukuze umndeni wakhe. Bazokusiza ekuvuleni.

Nokho, le ndlela futhi ayilingani konke. Lokubaluleke kakhulu wukuthi, ezicini ezithile wena yakho umzala-obolekayo, kanye ubuntu bakhe. Uma konke kuhamba kahle, isabela futhi Umuntu onomusa, wena ezwana, ungakwazi ukuboleka ngisho imali ngaphandle kwenzalo. Futhi aphe kancane noma ngokuphelele esikhathini esithile.

Kodwa lapho umusa isihlobo ihlukile noma uwena nje ubuhlobo ezimbi, akufanele lokudlela naye. Ngokuvamile abantu abanjalo ucelwa ukunika loan kanye nenzalo. Noma ingabe ikusasa baqala "usike" ukusekela impahla kuwe, ngisho uma ukubala ngokugcwele isikhathi eside. Njengoba umkhuba ubonisa, abazali, futhi, ayethanda hhayi ukuthatha imali. Kwalona izikweletu noma nje.

abangane

Lapho ukuboleka imali ngokushesha ngaphandle kwenzalo? Enye indlela kunalokho ezithakazelisayo yokuxazulula le nkinga - isikhalo kubangane bakhe emzabalazweni. Lokhu kukhetha lamukeleke kangcono nabantu ababhekene nomsebenzi. Ngisho noma bengasabeli, njalo kukhona ezinye uhlobo izikweletu.

Izinzuzo zihlanganisa ukungabi nasithakazelo ngoba loan. Abanye, yebo, zidinga kubo, kodwa akuyona indaba yokuthi njalo. Futhi, wena njalo nabangani bayakwazi bavumelane eside buyiselo "loan".

Zama ababanga ukubolekisa oluvelele. Abanye abantu bathambekele ekutheni izakhamuzi nge izikweletu. Futhi uma kukhona "sekwephuzile" enye inkokhelo, hhayi okokuqala, ugijima ubungozi bokulahlekelwa ukuqiniseka umuntu. Ukubolekwa kwemali nomkhaya nabangane ingaphezu izakhamuzi efanelekayo wemfanelo. Noma nje labo abathembela.

"Privateers"

Lapho ukuboleka imali ngokushesha? Umuntu yangasese. Ngaphezu kwakho konke, noma yimuphi umngane noma ongamazi. Nokho, ekutholweni. Njengomthetho, ungakwazi ukufinyelela abantu usizo. Kodwa kwakukhona abanye kubo, uzovuma ukukusiza.

Nokho, lapho credits kokuvula kungenzeka ngezinye izikhathi izinkinga. Engathandi kakhulu ukuboleka abantu imali labo musa imali ebolekiwe ngesikhathi. Yingakho "abanikazi yangasese" ukunikeza imali kuphela irisidi. It zizobonisa malini ezibolekwe. Futhi lapha ebekiwe lemali udinga ukukhokha esikhathini esizayo. Isikhathi nayo ecacisiwe.

Irisidi - idokhumenti onikeza "privateers" iziqinisekiso ezithile. Anakho zonke kwesokudla ukuya enkantolo, uma uzama "ibalekele" kusukela buyiselo sokubolekwa kwemali noma credit. Thola laba bantu kungaba izikhangiso (kwabezindaba noma kwi-inthanethi). Njengoba inketho - nje ubheke abanye ukuba umngane wakhe isicelo efanayo. Ngaphansi namarisidi imali, ngokomthetho ngokuvamile omethembayo. Ngakho-ke, amathuba akho okuphumelela akuzona encane kangaka.

ukubuyiswa kwemali

Ukucabanga lapho ukuboleka imali ngokushesha? Uma sikhuluma iqiniso, ikhambi elingcono kakhulu lenkinga kuyoba wokuhlengwa izikweletu ekhona. Khona-ke uyokwazi ukuya ebhange loan entsha.

Mhlawumbe ngale ndlela kwakuthiwa kuphela senzeka. Phela, ne credits kokuvula ambalwa abe engenzeka ngempela buyiselo yalo. Ngakho akubona bonke amandla indlela. Vele ukusamukela alternative kungenzeka.

Ixhumana ibhange

Lapho ukuboleka imali ngokushesha, ngisho noma kukhona ukubolekisa evelele? Bheka ezinye yebhange elincane edolobheni lakho. Mhlawumbe uzonikwa loan. Nakuba leso sinyathelo kungaba ukwephula umthetho. amabhange ngokuvamile senqabe ukuvula ngesikhathi credits entsha.

Kodwa angaba nethemba lokuthethelelwa sikufisela inhlanhla. Kwezinye izimo, izisebenzi noma ngamabomu sizivumelanise (ngoba imbangela obuhle ubufakazi), noma bangase ukukunika loan, nabakhi bezindawo abanaki imithelela loan ekhona. Hhayi inketho ethandwa kakhulu, kodwa kwenzeka.

MFI

Futhi izindlela manje ezithakazelisayo kakhudlwana. Uma ecabanga kuphi mamukeni italenta (ekhadini noma ngokheshi), sicela uxhumane nezikhungo microfinance. Ngokuvamile ukunikela microloans kanye loans ngaphandle wamaphepha ezengeziwe. Indlela enhle kakhulu ukuthola ukheshi.

Uqinisile lapho ukuya khona? Ngokwesibonelo, e "Mikrodengi", "Bystrodengi" nokunye. It kufanela iyiphi inhlangano microfinance enikeza imali passport. Ngakho, ukuze uthole loan, umane ukuhlonza. Okungukuthi iphasiphothi. Yonke enye into ayibalulekile ngoba MFIs. Uma ufuna ukuthola izimali ekhadini (ezinye izinkampani zinikeza le sevisi), ukunikeza eminye imininingwane yalo.

Le ndlela yinhle kakhulu, kodwa ke has eyodwa ethile - kuba inani lenzalo. Ukuthatha Ngokwesibonelo, 10 000 njalo ngenyanga, kuyodingeka bakhokhe ingqikithi 12-13. Ngokuvamile, le ngokweqile e nezinhlangano ezifana likhulu kakhulu. Akuwona wonke alungele unquma leso sinyathelo.

Enye lokususa - Kuyaphawuleka ukuthi uma kwenzeka izikweletu kuya IFIs uyoba ngokuphazima kweso ukuxhumana abaqoqi. Futhi enkingeni nge izinkokhelo izikweletu kuyoba isikhathi eside ngemva senkokhelo imalimboleko ngokugcwele. Ngakho-ke, ngaphambi kokuba ufake isicelo MFI kufanele acabangisise ukuthi lokhu kuyadingeka.

amasevisi e-inthanethi

Kuphi ukuze uthole imali ngokushesha ekhadini futhi ngaphandle ukwehluleka? I last kuyindlela enhle ukuba ngilidlulisele ezihlukahlukene amasevisi e-inthanethi. Ayevame uvumele imizuzu embalwa ukuze uthole imali ekhadini noma e-isikhwama.

Konke okudingayo - ukuthola isevisi efanelekayo. Ziyakwazi ku-intanethi kakhulu. Isicelo ilula njengoba - ugcwalise ifomu, ehlanganisa imininingwane yakho iphasipoti, imininingwane yasebhange ikhadi, kanye lemali mboleko. Ungakhohlwa ukushiya inamba ukuxhumana nawe. Ngemva kwesikhathi esithile (kusuka imizuzu 10 amahora ambalwa) uzokofonela emuva bese utshela umphathi lokuvuma noma wenqabe isicelo. Noma thola umqhafazo umphumela ukusebenza ukucubungula.

Ukuze kube lula abasebenzisi la masevisi ngokuvamile bayakwazi ukunikeza yokubala ngisho ekhethekile. Azobonakala kangakanani-ke uzodinga ukubuyela, uma ozithatha wadalula ngaphambili kwesikhathi lemali yakho eqondile yemali. Ayikho lezimanga - uyohlale wazi kangakanani ukukhokhela inhlangano.

Kodwa eziningi ezingezinhle lapha, futhi, lapho. Uma ucabanga lapha kukhona ukuthatha imali ngokushesha, ngisho noma kukhona ukubolekisa oluvelele, futhi yanquma ukuthola okwengeziwe ujike kusevisi virtual, ulungele ngokweqile omkhulu. Zenzalo ngokujwayelekile okusezingeni eliphezulu. Ngisho lokhu ukwedlula e-MFIs.

Ngokuvamile futhi amasevisi internet zimane amasayithi zokukhwabanisa. I loan ikhishwa kuwe, kodwa iyiphi imali ungatholi. Futhi akhokhe kusadingeka. Kungenjalo uyoba ukubhekana nezinkampani nokuqoqwa kwezikweletu. Ngakho-ke, zama hhayi ukusebenzisa le ndlela. Futhi ababusebenzisayo kuphela ezimweni ezimbi kakhulu.

okutholakele

Manje kuyacaca lapho ukuze uthole imali ngokushesha ekhadini ngaphandle ukwehluleka. Futhi lokho indawo isicelo loan ngokheshi futhi. Ukwabela imithombo elandelayo:

• izihlobo;
• abangane;
• usurers futhi "privateers";
• amabhange;
• inkampani microfinance;
• likhokhele intanethi.

Ngaphezu kwalokho, ungakwazi lokuqala ukukhokha uqede izikweletu ekhona noma nje ukwenza lemali esele imali. Phakathi kwazo zonke izindlela avame ngempumelelo isebenzisa isikhalazo ngokomthetho ezihlotsheni zababolekisa ngemali. Kodwa ezahlukene MFIs futhi Inthanethi izinhlelo ezingcono. Kwaba hype kakhulu bona okwamanje pose. Khumbula - akukho inkampani ukuya empini ngenxa kanembeza akusho uxhumane nomuntu onesifo, futhi kunjalo nangabafowenu ukuboleka imali esalele.