Ukuze sihlale yokuncintisana, izinhlangano kudingeka isikhathi eside kodwa ezuzisayo. Izinsiza ezengeziwe kungenzeka ngenxa overdraft, loan target noma umugqa wesikweletu. Mayelana uhlobo nemibandela le sevisi, izofunda lesi sihloko.

definition

Umngcele wesikweletu - ukunikeza inhlangano ilungelo lokusebenzisa izimali ezibolekwe ebhange ngesikhathi esithile isikhathi futhi emalini ebekiwe. izimo eziqondene ebekiwe inkontileka. Le sevisi ikuvumela ukuba kuqedwe izikhala zezimali ngaphandle ukhipha dolobha kusukela emakethe. Iklayenti bangakhetha lapho kangakanani kusho ukusebenzisa.

izinhlobo

Non-ezijikelezayo wesikweletu ukulithola tranches ngaphakathi kwenkathi ethile futhi kumkhawulo izimali. Obolekayo ekhetha lapho ukusebenzisa imali. Sokukhokhwa kwesikweletu akusho ukukhuphula umkhawulo.

Ezikhanyisayo wesikweletu - kuyinto loan okunikezwa ngaphakathi izingxenye elicacisiwe inkontileka. kokukhokha ngokushesha ezikweletini kwandisa umkhawulo semali esikhona. Ikhasimende ukhokha kuphela inani langempela capital esetshenziswa.

Esimweni sokuqala umboleki ophindisela ebhange nomzimba isithakazelo, ngemva kwalokho emgqeni ivaliwe. Futhi yesibili - emva ekukhokhweni tranche lokuqala kumkhawulo etholakalayo izinsiza ukwanda, futhi ungasebenzisa Ngaboleka imali futhi. Kukhona komkhawulo eyodwa kuphela - esikweletini has ukuba ibuyiswe ngaphakathi kwenkathi ethile. Ngokuvamile kuba izinyanga 3.

Non-ezijikelezayo wesikweletu nge umkhawulo drawdown osebenza uma iklayenti idinga izimali ezibolekwe isikhathi esithile. Kodwa usuku oluqondile ekuqaleni izindleko engaziwa.

Framework wesikweletu ivulekile nokulethwa yokukhokha, okwenziwa njalo ngezikhawu ezithile, kungakapheli isikhathi esithile esinqunyiwe.

Kukhona uhlelo ehlukile, lapho tranche entsha ingatholakala kuphela ngemuva kokukhokha egcwele odlule phakathi kwesikhathi isethi isikhathi izikhathi eziningana. Ibizwa ngokuthi umugqa wamavukelambuso wesikweletu.

Kunezinhlobo eziningana ethize:

• on-call (ukubuya izimali ikuvumela ukuba uthole imalimboleko elandelayo yale lemali);
• akhawunti evulekile (credit ekhishwe ngokuzenzakalela ngemuva kokukhokha odlule);
• multicurrency (ngezimali yesikhashana imisebenzi namanye amazwe);
• ngokufunwa (loan ekhishwe ngesicelo), kanye nabanye.

izibonelo

• Ngesikhathi umboleki umugqa non-ezijikelezayo wesikweletu ebhange ku inani ruble 1 million. tranches ezintathu athathwa: 500, 200 kanye ruble ayizigidi 300 .. Ngemva kokuthola le ngxenye yokugcina umkhawulo ifinyelelwe. Manje, ikhasimende kufanele imali ebolekiwe ngokugcwele. Sebenzisa imali, ngisho noma inkokhelo ngokwengxenye kwesikolodo akakwazi.

• izinhlangano umkhawulo wesikweletu - ruble 1 million. Umboleki wathatha tranche - ruble ayizigidi 700 .. Ngemva lo msebenzi, umkhawulo lancipha ayizinkulungwane 300. Hlikihla. I ngenyanga ezayo ukuthi abuyiselwe ingxenye yesikweletu - ruble ayizigidi 500 .. Manje, isamba semali esikhona simi ngale ndlela: + 300 = ruble 500 ayizinkulungwane 800 .. Okungukuthi, iklayenti singakhipha imali kaningi futhi ukuba abuyisele kubo. Ngakho ukuthi isamba ingeqi lowo nomugqa wekhredithi wanikwa sona. Lena loan ezikhanyisayo.

Ngezinye izikhathi ibhange khona imali ngengxenye engasetshenziswanga kwezimali. Kusibonelo esingaphezulu, bangamaphesenti ayizinkulungwane 300. Hlikihla. Futhi, lapho uhlelo isethwe eside uvuseleleke buyiselo ka tranche ngamunye. Vumelwano kungabuswa abulawe kanye ngonyaka owodwa. Kodwa zonke ingxenye eyodwa indlela ayisebenzisayo kumelwe abuyiselwe phakathi kwezinyanga 2-3.

• Ngaphansi kwemibandela ye-hlelo revolvertnoy umkhawulo ruble 1 million. unyaka ongu-1. Iklayenti kungathatha imali leyo mali noma iyiphi inombolo izikhathi ezinyangeni ezingu-12.

Ngokungafani umugqa wesikweletu kusukela loan target

• Lula kanye nenani ibhizinisi. Usuku ukufuneka imali akwaziwa ngaphambili. Umugqa credit nge umkhawulo drawdown ikuvumela ukuthola loan ngesikhathi akhokhe lapho ithuba.
• Ukuheha uxhaso isikhathi esisichitha.
• Nakuba le sevisi etholakala at amabhange cishe wonke amakhasimende, kodwa imikhawulo kanye nemigomo yesevisi kuxhomeke ngezinga kwenhlangano.
  Kwezinye izimo, kuzodingeka ukuba uyinikeze izibambiso. Lokhu kungaba izinto zokusetshenziswa ukuthi inkampani ozuza Ngaboleka imali, noma ezinye izimpahla. Ephambi kwezinduna eseduze izinga kuyehla, futhi okwenzayo ukucutshungulwa inqubo yanda.
• Ungakwazi ukuhlela udumo target ku Savings Bank. Imigomo nemibandela yokusetshenziswa buzoba buncane ziwusizo umboleki. Ngokuvamile setha ezincane credit imigqa inani lenzalo.

Izici isevisi amabhange Russian

I loan ingatholakala in ruble, amadola noma euro. Inani kuncike solvency we esemthethweni, umlando wayo esikweletu akhawunti inzuzo. Times ziyahlukahluka kusuka izinyanga 3 kuya eminyakeni 5. .. Uma uvula "eside" wesikweletu nge umkhawulo izikweletu ruble ezingaphezu kuka-1000 izinkulungwane, ibhange kungadinga ilungiselelo ezanele ingcebo, ezweni, izimoto kanye nemishini. Inkampani bengathola loan:

• ngesikhathi fixed \ elintantayo lenzalo;

• % Commission izobalwa ngokuhlukile tranche ngamunye.

Imali Bank ihlale setha ngamunye, kuye ngokuthi lemali, lwemali, izinsuku, umboleki finsostoyaniya, idumela wenhlangano kanye nezinga lobungozi. IKhomishani ku ezahlukene 10-20% ngonyaka. Ukuvula umugqa wesikweletu izobiza umboleki e 2% semali mkhawulo. Isikimu ezikhanyisayo ukuze imali ekhokhwa nyangazonke yokusebenzisa kungenziwa enikeziwe. Futhi, kungase kube imikhawulo nenani tranche.

Izinzuzo engokomthetho

1. Londoloza isikhathi: asikho isidingo ukubhalisa kuthengiselana ngalinye ngokuhlukile.
2. Inzalo ibalwa kuphela indlela ayisebenzisayo.
3. Ukubuyisela imali kwenzeka ngokuzenzakalelayo lapho ngokudlulisela imali osonkontileka ngezithukuthuku umboleki.
4. Isilinganiso senzalo ngokusebenzisa isevisi ingaphansi kwe-target sokubolekwayo.
5. Ngosizo iklayenti ukubolekisa kungandisa kokusebenza ukumboza izindleko ezingalindelekile noma ukuchitha imali ukuthuthukiswa kwamabhizinisi.

Credit ku Savings Bank: izimo ukuthola amasevisi

Elikhulu kunawo wonke wezimali isikhungo Shit ihlinzeka loan ruble angu-3 million. ngesilinganiso esingamaphesenti 19-19,5% ngaphandle kwebheyili kanye isibambiso. Inkampani bangasebenzisa izimali zokusebenza zempahla noma ukuthuthukiswa kwebhizinisi. Ngesikhathi esifanayo, ibhange unelungelo lokuthathwa njengomsulwa unilaterally ukufriza tranches kwenzeka ubunzima yokuqala zezimali.

Umkhawulo ngazo Sberbank enikeziwe wesikweletu incike imininingwane yalolu ibhizinisi, iphrojekthi ethize, ukuzinza kwezimali kule nkampani, ukuqinisekisa ibhizinisi idumela inhlangano. Lapho semali loan iyadingeka ukukhipha idiphozi. Kungaba izakhiwo, imishini, izimoto, amasheya, izibambiso. usayizi loan 50-70% kuye ngenani we izibambiso. Isicelo kubhekwa esingangesonto. Phakathi nalesi sikhathi ezilinganiselwa izici zangaphandle kanye ngaphakathi kubo, zezimali we izibambiso. Uma ibhange liyothatha isinqumo esihle-ke ungakwazi ngokushesha asayine inkontilaka nomugqa wekhredithi. isikhathi engeziwe kabusha ukuhlola izimpahla zingeke zisetshenziswe.

Ezinye izibalo

Isidingo amabhizinisi loans "eside" kuze ruble 900 billion. ngonyaka, kodwa inkampani ongawamukeli ngaphezulu kuka-10% kuleli nani. Isikhathi payback lekusisa ifinyelela zeminyaka 7-10. Sberbank ngenkuthalo nokuxhasa amabhizinisi amancane. Cishe ingxenye yabo kuphothifoliyo loan kwenhlangano -. Eside izimali inani ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-600, okuyinto zanikezwa izinkampani kuka-1 million ukuze. Amabhizinisi umugqa wesikweletu Ukubuyela "Ebhizinisini" yasungulwa ngumuntu ibhizinisi elincane lapho angaboleka imali yokwelekelela noma ngayiphi inhloso: ukuthengwa izinto yokusebenza ngezimali ukubolekisa kwezinye izikhungo.

izindaba

Amabhange ayabaluleka ezingenanzuzo ukunikeza umugqa izinhlangano kreditivnye. Lokhu kufakazelwa oyisazi evela kumakhasimende ungeke uzithole usuwile. Izenzo ezinjalo ithathwa njengokuhlola iyafana loan ezivamile. Inani izimali, okumele ukubuyela iklayenti ibalwa hhayi kusukela umkhawulo loan futhi ivolumu okwedlulele yokukhokha. Bankers cabanga lo mkhiqizo awukho njengendlela-off omunye, kanye ophinde uvuseleleke. Ngenxa yalokho, izindleko izinhlangano credit zithuthukiswa kakhulu.

Inketho abantu ngabanye

AmaRashiya Ungaphinda uhlele umugqa wesikweletu, kodwa le sevisi inikezwa, akubona bonke amabhange kanye ibheyili kuphela. Njengoba yokugcina esetshenziswe idiphozi evulekile. Umgomo - ngezimali loan nomunye yasebhange noma ukuthola kokusebenza ibhizinisi ekuqaleni. Ngingathanda kusadingeka le sevisi kunezinzuzo:

• ithuba ukusebenzisa izimali ezibolekwe, ngaphandle kokuphula idiphozi futhi isithakazelo zabo ngawo;
• ekudwebeni zezinsizakalo zesimo esiphuthumayo kungenziwa ngokusebenzisa njengoba eseduze idiphozi umuntfu lophilako;
• credit sivunyiwe ngesimo ukuvula i-akhawunti yasebhange;
• iphakethe ubuncane kwemibhalo;
• izindleko design software atholakala kwi;
• isilinganiso senzalo ngokuvamile elilingana ukuthi kuhlinzekwe ngaphansi idiphozi banikezwe margin elincane;
• ayikho imali nyangazonke;
• umugqa wesikweletu angavulwa kumadola, euro noma ruble Russian;
• ethemini esiphezulu - ezinyangeni eziyisithupha.

Kukhona esinye sezibonelo ngaphezulu - ezikhanyisayo "credit card." Izimali angatholakala nganoma yisiphi isikhathi, futhi ukuba abuyisele ayilibalanga yabo. Kungaphinde kufake loans for imfundo, izindlu, lapho imali iza tranches, futhi ungagcina yenzalo.

isiphetho

Umngcele wesikweletu - uhlobo olusha ibhizinisi ngezimali. Nezikweletu dolobha unikezwa isikhathi esithile. Izimali ingasetshenziswa ngesikhathi lapho uwadinga. Inzalo ibalwa kuphela lemali isetshenziswe. Ngakho izinga ingalungiswa, elintantayo noma ngamanye tranche ngamunye. Sberbank wesikweletu, kuye ngokuthi izidingo dolobha angase anikezwe ngaphandle eseduze noma isibambiso. Wakhonza ke ngaleso 19.5% ngonyaka.