Njira zina ku banki kukongoza

Banki zoipa ndi njira zina ku banki kukongoza?

Childs, ngongole kubanki si nthawi zonse yosavuta zosavuta, monga malonda. The kuipa zambiri ndipo onsewo ndi odziwika:

• zovuta za kamangidwe - zina zambiri atafunsira chofunika kusonkhanitsa pa processing ngongole zimatenga nthawi yaitali kwambiri
• amafuna umboni ndalama - ngati inu akuthamanga wapadera woyendetsa galimoto chinachake za ngongole kubanki akhoza kuiwalika. mabanki kwenikweni boma chitsimikizo cha ndalama zomwe angapereke, si onse
• mabanki safuna kugwira ntchito ndi makasitomala "yowopsa" - ngati ndinu wazamalonda payekha kapena co-mwini wa bizinesi, banki inu kulowa mudera la kusatetezeka kwawo ndipo kutenga ngongole kuli kovuta
• zaka zoletsa - kukaniza msinkhu ndi vuto lalikulu kwambiri. Mwachitsanzo, ngati muli wazaka 23 kapena zoposa 65, ndiye ndinu silingakhale kupeza ngongole
• yaitali chisankho - zina, makamaka pamene zinkafuna, kusankha apereke ngongole, magombe kutenga nthawi yaitali kwambiri. kotero pitani ku banki ndalama m'pofunika "dzulo" - n'koopsa. mukhoza adzakanidwa, ndi nthawi kale ntchito.
• kugoletsa - pamene banki akuyamba "mankhwala" kwa kasitomala latsopano, pali "wakuda bokosi" (kugoletsa dongosolo), amene amathandiza zochita linanena bungwe (kukana / kuvomerezedwa). Mwachitsanzo, ambiri kugoletsa machitidwe palibe foni kunyumba - chifukwa chokana (ngakhale ambiri a iwo chabe ntchito), kapena ngati inu kupanga malipiro mochedwa pa ngongole kwa foni, mwangozi ndalama zochepa 20 rubles, ndi kugoletsa makina ati apereke akumukana! Ndipotu, muli ndi "zoipa" ngongole mbiri ...

N'zoonekeratu kuti aliyense akhoza m'ndendemo kugwirizana ndi mabanki. Pa nkhani imeneyi, ndi panopa mwachangu osauka kukongoza msika altrenativnogo banki.

Kopita? Mophunzitsa banki kukongoza

Kodi njira zina ku banki, ndipo kodi anali osiyana motani?

1. ngongole Private - kupita ku malo malonda, kulowa ndi kufunafuna "ngongole paokha" ndipo mudzaona kwambiri malonda - Dame kongoletsani ndalama pa chiwongoladzanja. Awa ndi ngongole kwa wobwereketsayo. Fotokozani iwo okha monga yomalizira, ngati ndalama zambiri kuti paliponse. Kuipa ngongole ili:

• kuchuluka yaikulu
• malamulo "Kuwonekera" wa ndikupeleka
• ngati inu simungakhoze kulipira ngongole, zikuoneka kuti m'manda mu Khimki nkhandweyo (kukokomeza)

Koma palinso angapo ubwino:

• The ngongole mukhoza kulandiridwa ndi chilichonse
• Inakhazikitsa ngongole mwamsanga

2. mabungwe Microfinance (MFIs) - ndi zachilendo kwa msika Russian. Iwo linakhazikitsa lamulo №151-FZ "Pa microfinance ndi microfinance mabungwe" June 8, 2010 ndi boma Duma la Chitaganya cha Russia. Zolinga zikuluzikulu za mabungwe microfinance ndi "kupereka mabizinesi ang'onoang'ono ndi anthu amene sadziwa kupeza ntchito miyambo banki, ndalama ndi yothandizana ntchito yawo, zomwe cholinga ku mawonedwe mphamvu zazikulu chuma pa kuwongola wa lochitira chikhalidwe m'dziko, chitukuko cha entrepreneurship payekha, kusintha kwa miyezo ya moyo, Dongosolo la ntchito. "

Pa ndime pamwamba zikuonekeratu kuti mabungwe microfinance - malamulo kuphatikiza a banki zina. The kuipa waukulu MFIs:

• kuchuluka Loan sangakhale oposa 1 miliyoni rubles.
• peresenti pamwamba banki
• Osati MFIs onse ndi odalirika

Ubwino MFI:

• MFI motsatira FSFM, mwachitsanzo chiŵerengero cha borrowers ndi obwereketsa ndi boma ankalamulira
• kuchuluka kwambiri m'munsi kuposa wobwereketsayo
• malamulo "chilungamo" ndi "chiyero" wa ndikupeleka
• kutenga ngongole ndi MFI ndi kosavuta kuposa kubanki. MFIs ndi zambiri okhulupirika kwambiri kwa muyezo kwa potaya borrowers ndi ntchito ngongole amaonedwa mofulumira

Chenjezo! Osati mabungwe onse amene amaoneka ngati MFIs ali. Pamaso kutembenukira kwa MFIs amatilangiza kupeza ngati izo ziri mu kaundula wa FFMS lapansi. Federal Financial Msika Service kaundula alipo poyera ndi kugwirizana: http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Monga MFIs akadali kwakukulukulu wosadziwika, prvide yaing'ono mndandanda, sipangakhalenso kufika:

1. "ngongole kwa malipiro" - ngongole 50 000 rubles. Chidwi pa iwo ndi lalikulu kwambiri, koma zosavuta kuti ndi zovuta kubwerera. Mu lingaliro langa, zikhalidwe kwambiri cholandirika makampani zotsatirazi:

a) ndalama M'banja - yabwino kuti Ngopambana kampani kutumikira makasitomala kunyumba, sitipita kulikonse.

b) Mini Money (ntchito ku Moscow ndi St. Petersburg) - kwambiri "yoyenera" chidwi.

2. Major ngongole - ngongole 50 000 ndipo pamwamba. Childs, kuchuluka kwa iwo pafupi ndi gombe, koma zinthu sakhala wokhulupirika kuposa "ngongole kwa malipiro." Pa ngongole zimenezi, omasuka kwambiri Ine ankaoneka ntchito ndi makampani zotsatirazi:

a) The Companies AEC Gulu (kugwira ntchito mu Moscow ndi Moscow dera) - kampani zabwino kwambiri ndi mbiri yabwino. The zoipa zokha - inu mukhoza kutenga ngongole galimoto ngongole. Website: http://aecgroup.ru/

b) Finotdel - ngongole kokha kwa malonda, koma zikhoza popanda ina.

3. Mawu Cooperative (CCP) - mwatsoka, ine sindinali bwino limatchula za msika PDA, kotero sindikufuna kulemba kuno mudziwe yopanda umboni. Posachedwa ndikupita kulongosola mwatsatanetsatane nkhani ndi kulemba za CCP Nkhani osiyana.

4. Lombard

Good akale pawnshop amadziwika onse, sindipita mwatsatanetsatane. Chuma shopu, inu n'zosavuta alionse a ndalama, koma ndi kusiya katundu wawo. Kugula kumbuyo chuma, kulipira ndithu amaposa.

Zabwino zonse ndi kukuwona iwe msanga!