The kugoletsa chitsanzo Iganizireni creditworthiness wa wobwereka ndi

Pafupifupi aliyense amene analandira kukana kwa ngongole, kwa bwana adamva mawu awa: "Anagwirizana kugoletsa dongosolo. kudalirika wanu monga kanjedza ndi wobwereka si olondola. " ndi lamulo limeneli kuti kugoletsa ndi momwe kuti "chowunikira ngongole" kuti "chabwino" n'chiyani? Tiyeni tiyese kumvetsetsa.

mwachidule

Choncho, kodi kugoletsa? Izi dongosolo lapadera la mumayesto kudalirika kwa wobwereka ndi, zochokera angapo magawo. Pamene munthu likukhudza cha ngongoleyo, chinthu choyamba anapereka kuchita - lembani mawonekedwe. Ayankhe apanga chifukwa. Izi ndi kugoletsa chitsanzo ziyenera a wobwereka angathe. Malinga ndi yankho wachina chilichonse akapatsidwa nambala inayake mfundo. The zambiri, ndi apamwamba Mwina zochita zabwino kutipatsa ndalama.

Apa pali chenjezo. Ngati muli ndi zoipa ngongole mbiri, ndiye mudziwe zambiri ndipo chiwerengero cha mfundo samasankha kanthu. Kale mfundo imeneyi ndi umboni wokwanira kukanidwa.

Kugoletsa zolinga ku mabanki panopa

Aliyense chitsanzo kugoletsa ntchito mu dongosolo ngongole, anayambitsa kuti apeze zotsatirazi:

• kuonjezera mu mbiri ngongole chifukwa kuchepa mu gawo anadzikaniza oipa wa ngongole;
• mathamangitsidwe wa njira ziyenera lingathe wobwereka ndi;
• kuchepetsa sanali alipire ndalama ngongole
• kuwongolera ndi olondola ndipo wobwereka ndi;
• yosungirako centralized deta pa kasitomala;
• ndichepe mu malo kuchuluka zomvetsa Nkosatheka Ngongole;
• ziyenera a mphamvu ya kusintha nkhani munthu ulemu ndi mbiri okwana ngongole wonse.

Mawu Zotsatira: Kodi zimachitikadi?

Kuti zimenezi zitheke mu Bank amagwiritsa ngongole kugoletsa chitsanzo kuwunika. Kumafuna zotsatira kochepa pa chifukwa cha kukondera ndi bwana kapena kuipitsidwa a ogwira ntchito ku banki.

Pafupifupi zinthu zonse anayambitsa mu mawonekedwe ayenera anatsimikizira ndi kukhalapo chikalatacho. Woyang'anira banki anachita Pankhaniyi ntchito mwangwiro luso - akulowa deta mu pulogalamuyi. Pamene zinthu zonse za mafunso adzayamba sapota, pulogalamu kompyuta linaŵerengera ndipo amasonyeza chifukwa - chiwerengero cha mfundo muli. Ndiye zinthu angathe m'njira zosiyanasiyana.

Ngati inu yagoletsa mfundo zingapo kwambiri, dziwani adzakhala anakana ngongole.

Chiwerengero cha mfundo kunapezeka kuti apamwamba kwambiri poyerekezera? Ngati kuchuluka ngongole zazing'ono, kusankha angathe kumwedwa pa malopo. Ngati inu ntchito kwa kuchuluka wokongola kwambiri ndipo mudzakhala analengeza kuti gawo loyamba la mayeso inu zapita, ndipo ntchito ndi allocated kwa mabungwe a chitetezo a banki.

Chiwerengero cha mfundo "amayandama" poseredinke? bwana zikuoneka kuti atsogolere Pakufunika ndi co-signer kapena kusankha mndandanda wa macheke zina.

mitundu ya kugoletsa

Nthawi zambiri, kugoletsa chitsanzo tichipeza mitundu isanu ndi iwiri ya kuwunikira anayi omwe ndi ofunika kwambiri ngongole, ndi atatu - kwa malonda. Pakuti kukongoza amachita khalidwe la mitundu ya kugoletsa:

1. Pa ntchito (yache kugoletsa). chitsanzo ichi nthawi zambiri ntchito kuti aone kudalirika ndi solvency makasitomala. Anali kumangidwa, monga zanenedwa, pa kufufuza mafunso ndi kupatsa aliyense ayankhe lolingana chiwerengero cha mfundo.
2. Chinyengo (chinyengo-kugoletsa). Izi zimathandiza kuwerengetsa fraudsters osiyanasiyana, amene anatha kupereka gawo loyamba la kuyesedwa. Mfundo, njira ndi njira chiyesedwe cha chinyengo ndi malonda chinsinsi cha aliyense wa banki.
3. Kuneneratu khalidwe (khalidwe-kugoletsa). Apa kusanthula khalidwe wobwereka a poyerekezera ndi ngongole, ndi Mwina kusintha malipirowo. Malinga ndi zotsatira za kuwunika ikuchitika kusintha kwa pazipita kuchuluka ngongole.
4. Ntchito refunds (Collection-kugoletsa). chitsanzo ichi umagwiritsidwa ntchito ngongole vuto, pa yosalipidwa siteji alipire ngongole. pulogalamu kumathandiza kuti alenge ndondomeko ya ntchito kuti abwezere ngongole kwa chenjezo ndi kutumiza ku khoti kapena chopereka ngongole Makampani.

The ena mitundu itatu ali motere:

1. Pre-zogulitsa kafukufuku (Pre-Sale) - limatchula angathe wobwereka akusowa, amatilola kupereka lina kapena mankhwala wina.
2. Anayankha (Anayankha) - amaweruza Mwina chilolezo kasitomala ndi akufuna kukongoza pulogalamu.
3. Lowunikira la kutopa (Attrition) - ziyenera a n'zosavuta kuti kasitomala adzaleka ubwenzi wawo ndi banki pa siteji iyi kapena m'tsogolo.

Kuipa kugoletsa dongosolo

Kafukufuku wa creditworthiness anthu ali ndi zovuta zake. Amene chachikulu ndicho kuti dziko si kusintha zokwanira ndi bwino ndinazolowera magawo enieni. Mwachitsanzo, kugoletsa chitsanzo anatengera mu United States, adzapulumutsa mphambu apamwamba pa munthu, kusintha ambiri ntchito. Munthu wotereyu amaona katswiri kwambiri kufunika kwambiri mu msika ntchito. Ife mfundo imeneyi kusewera nthabwala wankhanza ndi wobwereka lapansi. Chiwerengero chachikulu cha mfundo adzalandira munthu ndi kulowa mmodzi yekha mu ogwira ntchito. Ngati wobwereka zambiri kusintha mabwana, amaona wosadalirika, ankakangana ndi woipa. mlingo wake pamaso pa gombe chikugwa mofulumira chifukwa cha kuchotsedwa otsatirawa akhoza osatsatira ntchito latsopano, kutanthauza kuti akuchedwa malipiro udzayamba.

Atengere dongosolo kuti azipeza zinthu amoyo, mafunso kwa ziyenera ayenera kupanga akatswiri a gulu wapamwamba ndi Choyenereza. Koma zotsatira onse analandira mwa njira imeneyi, adzakhalabe amadalira maganizo ndiponso zochita za munthu. Choncho tsankho mwamtheradi ziyenera komabe ntchito.

Choncho dongosolo lililonse kugoletsa ali kuipa osachepera awiri:

• kukwera mtengo kwa anatengera kwa zenizeni masiku ano
• chikoka cha zotengera malingaliridwe katswiri maganizo pa kusankha zitsanzo kasitomala kuwerengera.

Komanso, dongosolo wounikira ndi opanda ungwiro. chakuti kugoletsa amaganizira okha zinthu ofunda. dongosolo si athe kuwunika zenizeni molondola. Mwachitsanzo, ngati kasitomala ali chipinda yaing'ono limodzi pa Arbat, dongosolo ndidzampereka Iye zigoli apamwamba. Ndipotu, pali Moscow zogona chilolezo ndipo malawi pakati. A zazikulu mu mamita lalikulu masauzande ochepa ili m'mudzi wina waung'ono m'mphepete mwa nyanja Black, dongosolo amatchulidwa kuti "nyumba m'mudzi" ndipo kuchepetsa mlingo chifukwa chosowa ndi kulembetsa Moscow.

Kodi mtundu wa deta zimakhudzidwa yomanga lachitsanzo

Nthawi kumene ziyenera a creditworthiness wa anthu achilengedwe, wantchito banki ziyenera kuchokera angapo muyezo. Onse a iwo akhoza kugawidwa m'magulu atatu, zimaphatikizapo angapo zizindikiro.

Umunthu wathu:

• deta pasipoti ;
• banja;
• wamsinkhu;
• kukhalapo kwa ana, m'badwo wawo ndi chiwerengero.

ndalama:

• zoyambitsa kuchuluka kwa ndalama mwezi;
• malo a ntchito, malo;
• nambala za mbiri mu lolembamo ya;
• nyengo ntchito mu kampani masika;
• encumbrances (ngongole ngongole kwambiri, kuthandiza mwana ndi mapindu ena);
• pamaso pa nyumba yekha, magalimoto, nkhani banki madipoziti.

zina:

• kuli zina magwero a ndalama, osati zikutsimikiziridwa ndi zikalata;
• kuthekera guarantor ya;
• nkhani zina.

The kugoletsa chitsanzo Iganizireni creditworthiness wa bungwe lalamulo wamangidwa pang'ono mosiyana. Apa magawo chinsinsi ankaona ntchito ndalama. Koma popeza kuti masamu ndi malipoti azachuma ndawala obatizidwayo, zimene zinachitikira iwo zikhoza kusintha. Popeza kuti zimenezi cholinga ziyenera achepetsa. Choncho, kuwunika mabungwe alamulo ogwiritsidwa ntchito kugoletsa ndi ntchito zazikulu.

Chinthu choyamba zachokera mndandanda wa zomwe mungathe kuwerengetsa magawo zakuthupi. Zikuphatikizapo chokoma malo msika, katswiri maganizo pa mtendere ndi zachuma.

Chotsatira - tanthauzo la zizindikiro ndalama. Apa tikuphunzira magawanidwe liquidity, ndalama zokha, zizindikiro cholinga cha bata chuma, profitability, zolowa za ndalama ndi zina zotero.

Malinga ndi zotsatira za kuwunika awiri osadalira pa gombe mukuganiza kuti apereke ngongole.

Amene angathe kutenga mphambu mkulu

Ngati tikukamba za anthu, ndiye kuwunika wobwereka ali anagwiritsanso m'njira zambiri. Pali zinthu zambiri zimene zingatisokoneze zabwino bwanji mlingo:

• mkulu malipiro;
• ndi makina ndi osasunthika ake chuma;
• akuti malawi yaitali mu chigawo chomwe mufuna;
• pamaso pa madipoziti;
• zopelekedwa umboni ndalama;
• pamaso kunyumba ndi ntchito landline foni;
• Umboni wa ntchito, makamaka makampani a boma ndi m'boma;
• nkhani lotseguka (gawo, penshioni, masamu) mu ngongole kubanki;
• pamaso pa wambirimbiri malipirowo pasadakhale pamene yodalirika kubweza kapena galimoto ngongole
• n'zotheka kupereka malangizo, co-wobwereka kapena guarantor;
• kwambiri ngongole mbiri.

Kodi kuonera dongosolo ndi zingachitike?

Iwo amakhulupirira kuti adziwe idzachitike makina soulless, n'zotheka kuti anyenge ake, tikupeza pasadakhale "Chabwino" mayankho a mafunso. Ndipotu, kutali kwa izo.

Kugoletsa chitsanzo cha ziyenera kasitomala inamangidwa m'njira kuti mayankho onse a mafunso akhoza kufufuzidwa mothandizidwa ndi zikalata zogwirizana. Komanso, mabanki ndi zambiri amaphatikiza maukonde lonse ndi kutaya zotsatira za chiphasochi awo mu dongosolo chimodzi. Choncho ngati m'kati chinyengo zina yachinsinsi zidzawululidwa, molimba mtanda adzaphedwa pa mbiri wobwereka wanu. Paliponse ndipo konse Inu mumalowa ngongole.

Anawonjezapo zenizeni akhoza kuyesa Koma ngati pamene deta chabe kwa mawu kasitomala mwalowa dongosolo. Komabe, kupeza banki ngati ndi zovuta, ndipo pali extortionate chidwi kuti inu nokha sangafune kuti ngongole kwa izo.

Kugoletsa ndi ngongole mbiri

Ngati timaona kuti pafupifupi theka la anthu onse m'dzikomo athu kale zinakuchitikiranipo ntchito kwa ngongole musachoke m'gulu loyamba patukani chizindikiro cha aziona wobwereka, monga mbiri ngongole. Popeza BCI kwa nthawi yaitali kudzadza deta za borrowers mabungwe microfinance ndi mabungwe ena ofanana, msika anaonekera zitsanzo kugoletsa anasintha pamaso ndi udindo wa mbiri ngongole.

zitsanzo izi amanena Mwina kusakhulupirika kwa borrowers ndalama zimenezi, a kupanda, kuchuluka mudzalipidwa ngongole ndi magawo ena.

Komanso, Bank amapereka utumiki wa mudziwe zodziwikiratu za makasitomala. Polumikiza ndi kumutumikira, banki adzadziwa

• kutsegula nkhani ndi kasitomala bungwe zina ndalama;
• polandirira msonkho ngongole watsopano;
• pakutchulidwa cha kupanda uliwonse;
• pasipoti deta latsopano kasitomala;
• kusintha malire nkhani, makhadi ndi zina zotero.

Izi zidzalimbikitsa kusintha dongosolo la kugoletsa banki ndi infomeshoni pazipita za borrowers angathe.