Kuyini inani lenzalo ebhange?

Izakhamuzi eziningi ngenkuthalo ukusebenzisa amabhange. Izikhungo zemali ukunikeza ukubolekisa, imali, inzalo. Lo magazini kufanele wasondela ngokucophelela, ukuze kwavela yezinkinga olwengeziwe. Uma loan amaklayenti ngamunye ufuna ukuthola ongaphakeme senzalo ke lapho ufaka imali yayo - oholela kangcono. Kodwa lomfula kwenza izimo ayo service. Kuyini inani lenzalo kanti ibalwa kanjani?

definition

Abantu abaningi bakholelwa ukuthi uma iphesenti 12%, khona-ke wonke uyalingana ngokweqile u-12%. Kodwa lokhu akulona iqiniso, njengoba le nkomba ibalwa wonyaka. Uma, ukwenza isibonelo, ukubolekwa imali ikhishwe iminyaka 5, iphesenti ibalwa unyaka ka ukusetshenziswa imali ngamunye. Ubhekene necala esele. Lapho isikhathi ngesikweletu, aba maningi ngokweqile.

Nge ukubhalisa yesivumelwano kufanele sinake izimo. Zonke izikhungo zezimali ukushaja iphesenti ezahlukene. Ngokwesibonelo, i-akhawunti MFIs i ngokweqile nsuku, namabhange ngokuvamile isikhathi esingaphezu konyaka. Kuyini inani lenzalo ku ezifakwa? Lona inani inzuzo, okuyinto icala kuya client ukuhlinzekwa yesikhashana imali ebhange.

Yini kuthinta izinga?

Amaphesenti ibalwa ngesisekelo izinga Central Bank. Ngokwesibonelo, uma kuba 8%, bese akukho inhlangano ayikwazi ukubolekisa ngemali ukuze ababoleka ngesikhathi ngokweqile aphansi. Ngokuvamile izinkonzo yebhange zinikezwa iphesenti enkulu.

Kukhona elithi ezifana kwamandla emali. Njalo ngonyaka kuba ukwehla kwentengo imali. Uma amabhange isabele amazinga aphansi, yinhlangano engenzi inzuzo.

Ehlanganisa izindleko zesikweletu?

Umboleki akudingeki zazi ukuthi kuphela inani lenzalo, kodwa kuhlanganisa credit. Kulinganiselwa ngesisekelo:

• ezingeni emali, eRussia kumayelana 7% ngonyaka;
• ibhange akusho ukukhipha izimali ayo le njongo anakho zimali: ngezimali ezazidingeka ukuze kugcinwe imali, okuyinto afakiwe nase-loan;
• kwezinye izimo, amabhange zithatha imali lathathwa nezinye izinhlangano, futhi ababoleka ukhokhe izinga interbank;
• yasebhange Inkonde ngayinye ifakwe umshini non-payers, okuyilona elisebenzayo futhi kufakwe izindleko zesikweletu;
• Bank ebangela ukuthuthukiswa yayo: kubalulekile ukuba aholele abasebenzi, nezinye izindleko, okuyiwona yena futhi nikhokha amakhasimende.

Ngokusekelwe kulezi imithetho ukubala kungashiwo ukuthi onjalo senzalo. Lokhu izindleko isinxephezelo ebhange izidingo zayo futhi ukuze athole inzuzo.

credit okuphansi senzalo

Izikhathi eziningi ungayithola amabhange, amazinga isithakazelo sibuthaka kakhulu. Njalo umboleki ufuna ukuthola imali, hhayi overpay eziningi. Kodwa ngisho ngesilinganiso esincane akubonisi ukuthi loan kuyoba ezishibhile.

ukukhangisa Ibhange sika ubelokhu wabonisa ephansi senzalo ngonyaka. amasevisi ezinjalo amakhasimende ambalwa nje. Eqinisweni kuba gimmick, kodwa izinga langempela umboleki bazi emva Ukuyekwa kwezindlela isicelo nokuzithoba kwemibhalo. Iphesenti kunqunywa solvency we obolekayo, umlando wakhe credit nezinye izinto. Njengoba kwanda isithakazelo yasebhange ihlanganisa izingozi zayo, ngokusemthethweni isivumelwano umboleki.

A izinga elincane lukhulu. IBhange bazoyithola njalo izinzuzo zabo, kodwa lo muntu obolekayo avele izindleko ezilandelayo:

• umshuwalense;
• Izimali okumele zikhokhelwe ukwenziwa kokuvula kanye nokugcina akhawunti wesikweletu;
• izinhlawulo kanye nezinhlawulo sokulibala;
• amacala ngoba befuna imbuyiselo ekuseni;
• ikhokhwe Imininingwane iDemo kanye namanye amasevisi.

Ngaphambi kokusayina inkontileka, kumele ufunde ngokucophelela ulwazi abaqukethwe. Kuyadingeka ukuba ufunde kokuhlangenwe uchwepheshe ukuthi izimali ezengeziwe kufanele ukhokhe imali ebhange. Kuphela kusukela bacabange bentela Fide nethuba ukusebenzisa ongaphakeme zenzalo ngo-2016.

izinga eliphelele

Ngo kwamabhange uba iphesenti minimum futhi esiphezulu. Lokhu kunqunywa umthetho wamanje. Isikweletu esingu-akukwazi ezingaphezu kuka 57,3% ngonyaka. Ngokuhamba kwesikhathi, lesi sibalo zingase zishintshe.

Lokhu kuyiqiniso ngoba amabhange nezikhungo microfinance kuso azisebenzi. Yingakho yamuva isibonelelo izakhamuzi imali 500-800% ngonyaka.

izinhlobo kubhejwa

Zenzalo emabhange kuyinto njalo, ikakhulukazi sokubolekwayo umthengi kanye mortgages. Bazimisele asayine isivumelwano ke iklayenti wakhipha esimisweni inkokhelo yemali. Kwaqhubeka kwalo nokuhlengwa.

Kodwa iphesenti ezintantayo nokuthi umsebenzi enesibopho sokuxwayisa iklayenti ngaphambi kokusayina inkontileka. Lokhu kusho ukuthi umbolekisi yenza isinqumo ukuze ushintshe usayizi we ngokweqile. Futhi umthwalo ikhasimende ukukhokha amaphesenti okhethiwe. Izimo ezinjalo ngokuvamile usebenza ikhadi lesikweletu ukuthi akuzuzisi sabantu.

Indlela ukufaka ngokweqile?

Ukufaka imali nyanga zonke kunqunywa uhlelo buyiselo ezikweletini. Nanguya annuity futhi umahluko. Esimweni sokuqala, zonke izimali siyalingana phambi umnqamulajuqu yokukhokha. Futhi samuntu yesibili ivela nyangazonke ukunciphisa inani.

Thola ngokweqile kusayithi lesikhungo ngamunye. Ukuze wenze lokhu, kukhona uhlelo onalayn-izibalo, kodwa ulwazi Specific zizonikezwa kumsebenzi. Kumele kukhunjulwe ukuthi iphesenti akuyona izindleko sokugcina loan, amabhange zifaka izimali kakhudlwana futhi wemisebenzi. Lokhu kungenziwa kunqunywa kwesivumelwano sesikweletu. Isithakazelo amazinga ezifakwa futhi kuchazwe kule dokhumenti.

Kanjani edukisa zenzalo?

Amabhange nikeza zonke izimo ezahlukene amaklayenti, nakuba uhlelo credit has eyodwa. Lokhu kunqunywa yokuthi isiqunto sokunikela loan esithathwayo ngesisekelo imibhalo okufakiwe. Kodwa amanani yokugcina leyo mali kuxhomeke ezintweni ezifana ezingeni inkokhelo, khona izibambiso, isimo Umlando wokukhokha kwemali, ubudala.

Ukuze uthole ezimvunayo kudingeka umsebenzi ozinzile, namakhefu akhokhelwayo okusezingeni eliphezulu, ocebile lomsebenzi umlando omuhle credit. Kodwa lapho, isibonelo, umboleki has senkokhelo ekuseni ukubolekisa, iphesenti elikhulu kungenziwa isethwe. Isizathu salokhu ukushonelwa inzuzo yebhange, uma kukhona kusengaphambili.

Marketing izinga - kuyini?

Lolu hlobo ukubheja evamile etholakala ezidayiswa. Evumayo 0%, okuyinto isinyathelo neenthembiso azisebenzi i ngokweqile ku yibhange imali. Marketing kuhilela ukuthola izinga izaphulelo for the izimpahla inani lemali kungadingeka akhokhe ebhange. Inkontileka yentengo ka imoto efakwe ohlwini at isaphulelo, futhi kuba ngenxa yalesi simo uzobe iphesenti ibalwa. Ngokuvamile kuba 10-12%.

Uma Inkomba akulingani 0 ke isaphulelo on inani umehluko ukumaketha kanye yasebhange amazinga. Umdayisi imali ekhokha imali ebhange ngesisekelo inkontileka. Ngenxa yalokho, umthengi uthola imoto ngentengo ephansi. Kuphela babengazimisele cabanga izimali zakho, kanye ufunde inkontileka ngokucophelela. Ngokuvamile, lapho ukuthengiselana okunjalo zenziwa yomshuwalense, lapho babe iphesenti eliphezulu.

Ngakho, uma uthanda, ekucubunguleni loan kumele ayejwayele usayizi isithakazelo, kanye nemibandela eyengeziwe. Ezinye izimali amabhange kanye ikhomishini kakade kufakwe inani lenzalo yonyaka, futhi nezindleko ke ngeke idingeke. Kodwa njengoba izindleko zesikweletu kubalulekile umboleki, inketho yokugcina angenqaba inzuzo kuye. Kuphela uma ikhasimende wanelisa zonke izimo, angakwazi bahlelekela inkontileka.