Igcina Funds: Igalelo ngaphandle emngciphekweni.

Wayevuma ukuba asindise - aseluphawu ebalulekileyo yobuntu. Ngokuqhelekileyo, i-avareji lemali egciniweyo - kwingeniso epheleleyo umntu oluvela kwimithombo eyahlukeneyo isithuba seenyanga ezi-3 ukuya kunyaka 1. Ngokutsho inzululwazi kwabantu, ukwimeko wempangelo, kukho malunga nama-200 (!) Of amaqembu lwentlalo babe orientation yabo. Ngokufutshane - mali okonga iminikelo ngaphandle ingozi inokuba ngenxa iinjongo ezahlukeneyo. Kuba abantu babambelele iinqobo yemveli uphawu uluntu nkonzo, oku kunokuba umtshato esihle, mortgage yokuqala intlawulo indlu, ukuthenga nemoto enexabiso eliphezulu. Kuba namanye amaqela asekuhlaleni - ukhenketho grand, ukuthenga impahla kweli lizwe, inkcitho zokuzonwabisa (isithuthuthu, isikhephe, nezompleyini, njalo njalo).

Indlela elula ukugcina ngemali - nizalise ifakwe kwibhanki. Sinokuthi ukuba - igalelo umngcipheko-free, ekubeni ukhuseleko iidipozithi ukuya 700 lamawaka engange uqinisekisa karhulumente Reserve (in Russian - Arhente Idiposithi Insurance), apho ebhankini ngalinye ukuba ilayisenisi, wenza iminikelo. Ingqalelo igalelo elibi loqobo lolu hlobo lolondolozo - inzala ephantsi (ukuya kwi-12%), kuba imali rhoqo kungase. Ngoko ke abo bacinga malunga ulwandiso, kufuneka kukhunjulwe - a real lentengo eRashiya ekupheleni kuka-2012 yaba ukuba ngaphezulu kwe-15%!

Ezinye ukuba inkonzo idipozithi yebhanki (enyanisweni, umnikelo ngaphandle esichengeni) umntu ongenayo ezizodwa zemfundo, kancinane. Masithi ukuba ingaba imali elulwelo, kodwa nxamnye ntlekele ye-US kuqoqosho okanye amazwe Union European zako kuyingozi. Enye iinketho - igolide, kodwa ngokusemthethweni (ngokusebenzisa Savings Bank) kunokwenzeka ukuba bathenge amaxabiso kuphela aphezulu kakhulu.

Noko ke, kukho indlela - ukutyala imali kwicandelo chu ngokukhulisa uqoqosho Russian - ulwakhiwo micro-credit kunye yokuhlala mali. Ngapha koko, le "alpha no-Omega" loqoqosho lwethu - oyile, kwaye kule minyaka izayo, ngokutsho iingcali, inqanaba ixabiso Ijelo elingahlaziyekiyo iya kuhlala injalo okanye ukwandisa. Ngenxa yoko, ekungeneni yokuba imali amazwe eRashiya iza kuqhubeka. Ngoko ke, umsebenzi kwabathengi ziya kuhlala phezulu, kunye necandelo mali iza kuphumelela.

Ithuba lokuba utyalo kula mashishini inikezela Metropolitan Financial Corporation iqela iinkampani, kuquka umbutho micro-finance "MFI-Banking", indawo yokuhlala umphuhlisi-mali "BUZA", inkampani kwabakhenkethi "EstKlab Rus". Iimali zityalwe kwiiprojekthi turnover yokwenene (hayi reborrow ukusuka Central Bank ngeqondo eliphezulu mboleko, njengoko ngokufuthi kwenziwa kwiibhanki zorhwebo), kwaye ke ngoko inika isiqinisekiso nenzuzo - 17% ngonyaka. Ngoko sinokuthi oku igalelo ukuza kuthi ga ngoku. imali Credit kunye kwezindlu ezingabizi kakhulu iya kuba imfuno ngonaphakade! Ukongeza, i "Capital Finance Corporation" i izisombululo esele zenziwe ukuze kufundiswe izakhono ugqibile izindlu LCD enkulu eMoscow okanye ummandla eMoscow.