Zvimwe zvinogona kubhadhara mari yeMari

Ndeipi ibhengi rakaipa uye ndeipi dzimwe nzira dzokubhadhara kubhengi ?

Sezvo mutemo, kuwana chikwereti kubva kubhangi hakusi nyore nguva dzose sezviri nyore uye zvakajeka sekutengeserana. Pane zvikanganiso zvizhinji uye zvose zvinowanikwa:

• Kuoma kwekunyora - dzimwe nguva zvinotarisirwa kuunganidza zvizhinji zvezvinyorwa, zvinotora nguva yakareba kwazvo kubhadhara chikwereti
• Iwe unoda kuvimbiswa kwekuwana - kana ukashanda semunhu ari mutengesi tekisi, iwe unogona kukanganwa nezvekwereta mubhangi. Nokuti mabhangi haasi hurumende yekusimbiswa kwekuwana, iyo inogona kupa kure nezvose
• Mabhanji haasi akagadzirira kushanda ne "risky" vatengi - kana iwe uri webhizimisi wega kana kuti muridzi webhizimisi, kubhengi iwe unowira munzvimbo ine ngozi uye inenge isingakwanisi kutenga chikwereti
• Zviremera zvezera - zvikwereti zvezera ndeye dambudziko guru. Somuenzaniso, kana uri muduku pane makore makumi maviri nemaviri kana kupfuura apfuura 65, iwe haugoni kuwana chikwereti
• Nguva yakareba-kutora mazano - dzimwe nguva, kunyanya nemari yakawanda, mabhangi anotora nguva yakareba kwazvo kuti abudise chikwereti. Saka enda kubhangi, apo mari inoda kudiwa "zuro" - risky. Iwe unogona kuramba, asi nguva yasati yapedza.
• Kuenzanisa - apo bhenji inotanga ku "ronga" mutengi mutsva, pane "black box" (scoring system) inopa mhinduro (kuramba / kugamuchirwa) pane zvakabuda. Semuenzaniso, kune vakawanda vanoona zvirongwa, kusavapo kwefoni yepamba ndicho chikonzero chekuramba (kunyange vakawanda vasingashandisi), kana kana wakabvumira kunonoka kwechikwereti kune foni, achibvumirana nekubhadhara mabhesi makumi maviri, chikwangwani chicharamba! Mushure mezvose, une "negative" history credit ...

Zviri pachena kuti havasi vose vanogona kubatanidzwa zvakanaka nezvibhengi. Maererano neizvi, mushambadziro wemari, unenge usingadi kubhizimisi , ikozvino urikudziridza kuwedzera.

Ndeipi kupi? Zvimwe zvekubhadharira kubhangi

Ndezvipi zvimwe zvinoshandiswa kubhangi uye zvakasiyana sei?

1. Mari yechikwereti - enda kune chero nzvimbo yekutengesa, pinda kutsvaga "chikwereti chemunhu oga" uye ona matanho akawanda - Mari yeDame yakabhadharwa kune chibereko. Idzi zvikwereti kubva kuvashandi. Iwe unogona kutarisana navo sechisarudzo chekupedzisira, kana iwe usina mari yekuwana. Kukanganisa kwezvikwereti zvakadaro ndezvekuti:

• Huge percentage
• Mutemo "opacity" yekutengesa
• Kana iwe usingakwanisi kuripa chikwereti, zvinogona kuvigwa muKhimki fox (exaggerate)

Asi panewo zvimwe zvakakosha:

• Chikwereti chinogona kugamuchirwa nevanhu vose
• Chikwereti chinopiwa nokukurumidza zvikuru

2. Zvikwereti zveMarikidzi (MFIs) - ruzivo rwemusika weRussia. Musi waJune 8, 2010, Hurumende Duma yeRussian Federation yakagamuchira Mutemo Nha. 151-FZ "Pamitambo ye Microfinance uye Microfinance Organisations". Zvinangwa zvakakosha masangano emari midzi "ndeyekupa masangano emabhizimisi mashoma uye vanhu vane ruzivo rwakakwana rwebasa rebhengi, zvemari uye zvingabatsiri zvinoshandiswa kugadzirisa kusagadzikana kwevanhu munharaunda, kukudziridza kushandiswa kwemabhizimisi, kuvandudza mararamiro evanhu, Kuvimbisa basa. "

Kubva pane ndima iri pamusoro, zvakajeka kuti masangano emari ekuchengetedzana kwemari midzi ndiyo nzira yakagadzirirwa pamutemo kubhangi. Kuipa kukuru kweMFIs:

• Kuwanda kwekwereti kunogona kunge kusingapfuuri mamiriyoni gumi emabhuru
• Percentage yakakwirira kudarika kubhengi
• Haasi yese MFIs yakavimbika

Zvimwe zveMFIs:

• MFOs inotungamirirwa neFSFM, i.e. Ukama huri pakati pevakwereta nevateresi hunotungamirirwa nehurumende
• Iko yehuwandu yakanyanya kuderera kupfuura yevashandi
• Mutemo "kusvinura" uye "kuchena" kwekutengeserana
• Gamuchira chikwereti muMFI yakanyanya nyore kupfuura mubhangi. MFIs ine nzira yakawanda yakavimbika yekuongorora vateresi, uye mvumo yekubhadhara chikwereti inofungidzirwa nekukurumidza zvikuru

Cherechedza! Hasi masangano ose anotevedzera MFIs akadaro. Ndisati ndashanda kune MFI, ndinokurayira kuti uone kana iri mubhuku reFSFM. FSFM rejista inowanika pachena uye iri pa: http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Sezvo MFIs zvisati zvichinyatsozivikanwa, kune ruduku ruduku kwaunogona kutaura:

1. "Mari yekubhadhara" - iyo zvikwereti kusvika ku50 000 rubles. Izvo zvikamu zvezvo zvakakura kwazvo, asi ingozviwana uye zvingodzorera. Mune maonero angu, mamiriro ezvinhu anogamuchirwa kune makambani anotevera:

A) Mari yemumba - zviri nyore kuti vatungamiri vekambani vashumire vatengi pamba, havafaniri kuenda chero kupi zvako.

B) Mini Mari (inoshanda kuMoscow neSt. Petersburg) - yakawanda "yakakwana" kufarira.

2. Zvikwereti zvikwereti - zvikwereti kubva kuRubles 50 000 nezvimwe. Sezvo mutemo, chido chavo chiri pedyo nekubhengi, asi mamiriro acho haasi akavimbika kudarika kune "zvikwereti zvokubhadhara". Kune zvikwereti zvakadaro, zvakanakisisa kwandiri zvakaratidzika kushanda nemakambani anotevera:

A) Boka Remabhizimisi AEK (kushanda chete kuMoscow uye kuMoscow) kune kambani yakanaka kwazvo ine mukurumbira wakanaka. Izvo chete zvakaipa - unogona kuwana chikwereti chakachengetedzwa nemotokari. Website: http://aecgroup.ru/

B) Finotdel - zvikwereti zvebhizimisi chete, asi unogona kuwana pasina bhaari.

3. Chekwereti Consumer Cooperative (CCP) - zvinosuruvarisa, ndine ruzivo ruduku pamusoro pezvakataurwa nemusika weCCP, saka handifaniri kunyora mashoko asina chokwadi pano. Munguva pfupi ndichaenda kunotsanangura nyaya iyi nekunyora uye kunyora nyaya yakasiyana pamusoro peCCP.

4. Pawnshop

Iyo yakanaka yekare pawnshop inozivikanwa kune vose, naizvozvo handisi kuzoenda mune zvakawanda. Mupawnshop unogona kuwana nyore chero mari ipi zvayo, asi iwe unofanira kusiya nzvimbo yako. Kuti udzorere chivako chacho, iwe unofanirwa kubhadhara chikamu chakanaka.

Nhanho yakanaka uye kukuona zvakare!