"Center Loan": ncomo zabathengi kunye nabasebenzi

Xa iibhanki wala ndiboleke nayiphi na imali ifuneka ngokungxamisekileyo, ukuza ukunceda amaziko microfinance. Banceda amalungiselelo mboleko ngokuthatha iphakheji isezantsi yamaxwebhu kwaye ngokukhawuleza kangangoko kunokwenzeka. Omnye iinkampani non-logcino i "Centre of mboleko." Izimvo yalo MFI, lexi kumekaka kweli nqaku liza kukunceda uqonde ixabiso yokwenene unyango kubameli ezinjalo iinkonzo ngetyala.

A amagama ambalwa malunga inkampani

Nonbank "mboleko Centre" LLC "iNgqungquthela" - inkampani anolwazi kwinkalo microfinance. Asebenza ukususela ngo-2011. Ukususela Ukusungulwa walo, inkampani wavula amasebe ezingaphezu kwama-20 kwizixeko ezahlukahlukeneyo kunye kwimimandla Russia. ofisi MFI "Centre of mboleko" (feedback kwi nkampani nga ukususela zombini kubasebenzisi kunye nabasebenzi ngokwabo) yi Khoroshevskoye Highway 35, ukwakha 1, eMoscow.

iinkonzo Local

Okwangoku, i "iZiko mboleko" inika iinkonzo microcredit abantu kunye nemibutho esemthethweni. Phakathi abathengi le nkampani ukuba kukho abafundi, oosomashishini, omama kunye abantu abadla umhlala-phantsi. Ngokutsho manani, ngexesha lokuvula layo lenkampani liye lanika malunga 37.000 micro-mboleko ezixabisa ngaphezu engange million 900.

Ukongezelela micro-mboleko, "mboleko Center" ( "Summit"), uhlaziyo enokufumaneka ngezantsi, nomnikelo intsebenziswano elihle kubatyali-mali. Ngokomzekelo, xa usenza i "iziko mboleko" igalelo efanelekileyo wathembisa-30% ngonyaka. Umzekelo, ukuba kwithuba leenyanga ezingama-24 ukuba lifake engange 5 million, imveliso ibe ifunyenwe 8 million.

Ngokutsho kubasebenzisi abaninzi, eli isindululo kunceda ukwandisa imali yakho. Kwaye ukuyenza ngokwenene ixesha elifutshane kakhulu kwexesha, ongayi kodwa nemihlali.

iimpawu emfutshane yeemveliso zemboleko

Phakathi iimveliso mboleko ibenomtsalane ezilungiselelwe iindidi yobudala ahlukeneyo, "iZiko Loan" (ncomo umthengi ukuqinisekisa olu lwazi) inikeza ezi nkqubo zilandelayo:

• "Ukuze uhlawule".
• "Ezithembekileyo" yaye "ezithembekileyo +".
• "ProstoNol".
• "Abahlobo" kunye "zakhe."
• "Pension".
• "Student."

Kwakhona kule MFI izaliswe yintengiso kubathengi rhoqo. Ngoncedo kwezi nkqubo, njengoko abathile abasebenzisi ukufumana mboleko micro ngexabiso ekhethekileyo. Ukongeza, i "iZiko mboleko" inikeza mboleko olubekwe yi izindlu okanye izithuthi.

Ihlola imbali credit

Umbutho ongekho-bank "Centre of mboleko" (reviews wabasebenzi ukunceda umbutho ukuqwalasela macala onke) sibonelela ngenkonzo kuhlawulelwa ngokujonga imbali ngetyala le mboleki. Nale nkonzo, nabani na unako ukufunda ukufana lefayile yabo yekhredithi.

Uku-odola imbali yekhredithi, yenza oku kulandelayo:

• yiya kweli ziko lewebhu le centrzaimov.ru;
• nqakraza kwi "mboleko 'tab;
• ukukhetha kuluhlu "imbali credit";
• ugcwalise ifomu yesicelo uze uyingenise kwi-intanethi.

Ngokutsho kubathengi, nceda uqhagamshelane "Centre of mboleko", nto leyo kwakhona unako ukubonisa ulwazi luncedo nekamva le-kubaboleki zenkampani isicelo kufuneka ukhankanye igama elipheleleyo, inombolo yefowuni zoqhagamshelwano ukhethe indawo ukufumana impendulo. Ngokutsho amabali abasebenzisi abaninzi, yonke le nkqubo ithabatha akukho ngaphezu kwemizuzu 15-30. Kwaye ubala iziphumo ezidibanisayo yombuzo kunokuba loo mini. Ubhaliso efanayo kakhulu kwaye kunikezelo xwebhu kuxhomekeke ngumthengi noqeqesha ngenkqubo yokundwendwela.

lula indlela uqhagamshelane "Centre of mboleko"?

Ngokutsho kubathengi ezininzi MFI, ukusingatha apha Kuyinto elula kakhulu, njengoko ofisi yenkampani zifumaneka phantse kuzo zonke izixeko engundoqo ye-Russian Federation. Umzekelo, kukho e Moscow, Yekaterinburg, Nizhny Novgorod, eSt Petersburg, Penza, Rostov-on-Don kunye nezinye iingingqi.

Ezinye iinkonzo singahlukaniswa ngayo ngokukhawuleza amtsale mboleko "mboleko Center." Uphenyo uninzi lwabo ubilisa phantsi yokuba ngokomyinge, inkqubo yokuhlola izicelo nokukhupha micro-mboleko phakathi ngaphantsi kweyure. le nkqubo lula ubuncinane kubathengi rhoqo.

Kuphantsi kwaziphi iimeko apho unako ukufumana imali-mboleko?

Iimeko nokufumana microloan zixhomekeke ngqo kuhlobo lwenkqubo mboleko, izinga ukuguquka kunye nemfezeko obolekayo. Umzekelo, kwi unyango iphambili MFI unokulindela microloan ngaphakathi 1000-30 000 engange kangangeentsuku ukuya ku 1-30 kwaye 0-2% ngosuku. Ke uyilo, xa kusenziwa, kuya kufuneka kuphela yokundwendwela Russian. Kuyaphawuleka ukuba kulo mzekelo, imali imali iza kuba 48 000 engange. Xa kwegazi lesibini (phantsi kweemeko ezifanayo) umboleki ziya kubuya ke sele 39 amawaka engange.

Ndingenza njani ukufumana imali mboleko?

Ekwenzeni le ngcamango, kumntu ngamnye unelungelo lokukhetha indlela yokufumana imali mboleko. Ngokomzekelo, ngokukhawuleza emva kokuba kufunyenwe imvume isicelo ukuza kwi-ofisi ekufutshane sithathe imali xa ndiphuma MFI. Kungenjalo, eyona imali ngeenkonzo ukuze ngqo kwikhaya okanye emsebenzini. Kwaye ngoko ke isebenza umbutho non-bank "Centre for mboleko." Iimpendulo ngayo nga savakala zombini indlela ezintle nezimbi. Kodwa ukwenza isigqibo esixhasa enye okanye enye kunokwenzeka kuphela ucazululo ngononophelo kwaye ukutyelelwa kwiziko microfinance.

Ziziphi iingenelo zonyango kwi "mboleko Centre"?

Ukuba sikholelwa ukuba uninzi reviews zabaxhasi ka MFIs, nobubi zilandelayo zibhekisa "Center Loan":

• ithuba ukufumana imali-mboleko kunye nayiphi na imbali ngetyala;
• High speed processing-mboleko;
• ithuba lokukhupha microloan phambi omnye ngetyala of kokulibazisa;
• yindlela entle kakhulu ukuphucula imbali yakho yetyala (ukuba intlawulo ungxamile microloan);
• uyilo micro-mboleko kubafundi abadala;
• ufikelelo adunyiswe abangasebenziyo ngokusesikweni kunye abangaphangeliyo;
• ukukhupha ngetyala indlela elula;
• ubhaliso koxwebhu mnye;
• beni mboleko nayiphi na injongo, njalo njalo. d.

Yintoni abaxhasi kunye nabasebenzi MFIs?

Izimvo yalo mbutho unokuviwa kakhulu ukuba akukho eyahlukileyo. Ngokomzekelo, abanye kubaboleki bathi malunga umbutho izinto ezintle kakhulu. Ngoko ke, abanye babo uthethe ngento bakwazi ukufumana imali-mboleko ngokukhawuleza. Ezikuthandayo ngesantya esiphezulu lokubulawa kunye nobuchwepheshe kwabasebenzi bethu. Abanye siphikise okwahlukileyo. Ngokutsho kwabo, abaphathi zenkampani abanalo ulwazi oluyimfuneko yokuziphatha. Bona ngokuphandle krwada kwaye baziphathe ngendlela engatshongo khona.

Okwesithathu babubone amazinga enzala asezantsi nokunyaniseka kubathengi. ungathanda Okwesine ekhawuleza ngayo abaphathi kwi-ngxaki.

Ngokwabo njengoko abasebenzi lombutho bathethe phandle malunga inkampani ngendlela eyakhayo. Bayathanda ukusebenza kwiqela lobuhlobo. Ngokutsho abaninzi kubo, oku apho bazuze ulwazi oluyimfuneko kummandla nesevisi yabaxumi, baye bafunda ukuba ukubona ezingaba non-abangahlawuliyo nokuphucula izakhono zonxibelelwano ishishini.

mboleko kunye neziko utyalo-mali "Ingcaphephe": ncomo kunye ukudideka kunye namagama

Ngokufuthi igama iinkampani ezahlukeneyo ngokupheleleyo okanye kungabonakala twatse. Umzekelo, oku kunjalo kwi "Centre of mboleko" (LLC MCC "Finance NN '), eyasekwa ngo-2010. Nakuba kunjalo, ngokungafaniyo inkampani yakhe nobizo, siqinise isebenza kuphela in Nizhny Novgorod kunye nommandla Nizhny Novgorod. Ngoko ke, nceda musa siphambanise kuzo.

Ukongeza, inkampani "iNgqungquthela" unxulunyaniswa iinkonzo ezintsha kwi MFI Ltd. "Centre zotyalo-mali." I-ofisi ngundoqo ekulungiseleleni phezu esitratweni iSoviet, 7a, ku Art. kummandla Dinskaya Krasnodar. Kananjalo ikwanika micro-mboleko kunye akananto ngaphandle iimali zeshishini kwaye ilungiselela-mboleko yomhlalaphantsi.

nobizo Enye MFI kaThixo - kumbindi-mboleko kunye notyalo, eyaziwa ngokuba "Expert". I-ofisi yale nkampani ibekwe naseNovosibirsk, ngomhla Sovetskaya Street, 22A. Nikelani ingqalelo reviews: "Centre of mboleko zotyalo" kugqalwa umbutho eselula.

Ngokutsho kwabanye abasebenzisi, inika micro-mboleko engange ukuya ku-30,000 ixesha phakathi kweentsuku ezi-5 ne-20. kwi mboleko, iKomishoni kule meko ukuya kwi-2% ngosuku. Ngokutsho amabali abathengi le nkampani, ukuba unethamsanqa ukufumana nje kuphela imali-mboleko elide ilindelwe, kodwa isicelo sakhe olunye isongezo. Ekubeni indlela banyanisekileyo, bakwazi ukuhlawula kuqala inzala sibalekela, uze uvale kwindawo engundoqo ye ityala.

Kufuneka wenze ntoni ukuze kungabikho nakuphi na ukubhideka kunye amagama?

Ukuba ugqiba ekubeni usebenzise iinkonzo "Centre of mboleko" kwaye abaqinisekanga ukuba le umbutho non-bank, ahlawule ingqalelo igama elisemthethweni lenkampani kunye nabafowunelwa bayo. Kufuneka kwakhona balujongisise ngenyameko iimpendulo ukuze bafunde yintoni kanye le "Centre of mboleko" batsho. Kwaye ekugqibeleni, ujonge ukuba MFI abhaliswe kwirejista elilodwa Russian Federation. Ukuze wenze oku, kufuneka uye kwindawo cbr.ru kwaye ngenisa igama lombutho wakho kwibhokisi efanelekileyo yokukhangela. Ngaloo ndlela, ungasoloko ufumana MFI oko kumlungele na iimfuno zakho.