Inkonzo ye-intanethi-mboleko "e-iklabishi". Imboleko emancinci e-iklabishi: iimeko, uhlolo

Ngoko, namhlanje siya kuqhelana nenkonzo "Iklabishi". I-microloan okanye i-credit nge-Intanethi kulula ukubhalisa naye. Kukho nawuphi na, bathetha abadali kunye nabanye abathengi. Kodwa ngaba kunjalo ngokwenene, kwaye akukho nkohliso? Ngaba kunokwenzeka kwaye kuyimfuneko ukukholelwa le nkonzo? Okanye kungcono ukuba ungabhekiseli kwii-microloans kwinethiwekhi? Ziziphi iingeniso kunye neengxaki zenkxaso? Yintoni abasebenzisi abayicinga ngayo? Ngaloo nto kwaye kungekhona nje kuphela!

Yintoni

Iyini inkonzo "yeKlabishi"? I-microloan, mboleko, okanye nje ukuboleka imali kwindawo ethile kwixesha lenethwekhi ngoku ayikho into yamagama, kodwa inyaniso. Emva koko, inkonzo yethu yangoku ikhethekileyo kulezi nkonzo. Ngokupheleleyo kwi-Intanethi.

Oko kukuthi, sijongene nenkonzo evumela ukuba uthathe imali-mboleko kunye nemali mboleko ngaphandle kwephepha lephepha elibomvu. Ewe, nangaliphi na imini yomini nobusuku. Yilungiselelo elihle, ukuba ucinga ngako ngokufanelekileyo. Kodwa ngaba abasebenzisi bacinga ntoni ngawo? Ngaba kunokwenzeka ukumkholelwa? Ziziphi iingongoma eziphambili ezifanele ukuhlawula ingqalelo ngaphambi kokuba uthathe mboleko okanye mboleko kule nhlangano? Ukuqonda konke oku kuya kunceda iingcamango ezininzi zabasebenzisi malunga nenkampani.

Uninzi kunje

Masiqale ngeqiniso lokuba "iklabishi" (i-microloan okanye i mboleko kunye nethwekhi ayisona ingxaki) yinkonzo entsha. Yayisungulwa ngo-2012, kodwa isebenza namhlanje. Ngoko, sinokucinga ukuba akukho nkohliso phambi kwethu. Emva koko, ukugwenxa, njengokulawula, kuvulwa ngokukhawuleza, "ivenkile" ivala ngokukhawuleza.

Ukongeza, abasebenzisi bayaphawula ukuba, nangona ubomi obufutshane beprojekthi, luyimfuneko enkulu. Emva koko, intanethi ingafumana impendulo eninzi malunga nenkampani. Nangona kunjalo, akukhokho ubungqina obuninzi bokuba inyaniso yeprojekthi. Mhlawumbi, phambi kwethu ngokwenene inkohliso enhle okanye inkohliso yenhlangano? Emva koko, kunzima ukukholelwa ukuba imali mboleko okanye mboleko ingakhishwa ngokuthe ngqo kwi-intanethi, nangaliphi na ixesha.

Iimeko

Ukuqonda ukuthembeka kweenkonzo ezinikezelwayo, ngamanye amaxesha kunele ukukhangela iimeko zokubanika. Kungenzeka ukuba kukho apha ekhohlakeleyo. Kodwa kuphela ngenkonzo "e-iklabishi" ayixhunyiwe naliphi na indlela.

Into kukuba le projekthi inikezela iimeko ezifanelekileyo zokukhupha iimboleko kunye neemboleko. Kwaye bakhangisa abaphulaphuli kakhulu. Umzekelo, izithintelo ekukhutshweni kwemboleko-kusuka kwi-ruble eziyi-100 ukuya kwi-15 000. Awukwazi ukuthatha ngaphezulu kwesicelo esinye. Ukongezelela, ukuboleka imali kunikezelwa malunga nenyanga, kwaye inzala inomdla iyavuya - kuphela i-2.3%. Kodwa lo mgaqo usebenza kuphela kwiveki yokuqala yenkonzo. Emva koko, ihla i-1.7%. Inenzuzo kakhulu, akunjalo?

"Iklabishi" (umboleko omncinci ngoku kulula ukulungelelanisa i-intanethi) unceda ngoncedo lwe-inthanethi inkonzo ukubala inani oza kufuneka ulihlawule xa wenza isicwangciso ekupheleni. Ngenxa yale njongo, kukho i-calculator ekhethekileyo kwikhasi elisemthethweni. Kunceda ukukhawuleza iingxaki ngokutshintsha kwezinga lomdla. Le nyaniso iyonwabisa abaninzi.

Ngokomgaqo, oku kuphelisa zonke iimeko. Nangona kunjalo, nceda uqaphele-ngemboleko okanye mboleko, kufuneka ube ngaphezu kweminyaka eyi-18 ubudala. Oko kukuthi, inkonzo yokuqala iyatholakala kuphela kubantu abadala. Oku kuyinto eqhelekileyo ebangela ukuzithemba koluntu. Kodwa ngaba kuyafaneleka ukuba uqhagamshelane neprojekthi? Okanye kungcono ukuyinqumla?

Lo mbuzo uphakamisa imibono eyahlukileyo phakathi kwabasebenzisi. Kunokuba nzima ukwenza isigqibo apha. Omnye uthi akufanele ukhethe ukubolekisa ngemali mboleko kunye nokuboleka imali kwi-intanethi, abanye bathi into eyahlukileyo. Kodwa kusadingeka ukuba uqonde ukunyaniseka kweprojekthi.

Ifowuni kunye needesi

Unokujonga kwiimeko ezifana nedilesi yentlangano, kunye noonxibelelwano. Kwisayithi kukho ifowuni ethintekayo, apho unokuhlala ubiza umnxeba uze ubuze imibuzo. Ukongeza, kukho i-imeyile ngendlela yoqhagamshelwano. Kodwa i-e-iklabishi inhlangano inekheli kuphela. Uphando olukhoyo kwisayithi alukwazi. Le nkalo yabaninzi yenza ukuba uzibuze-ngaba le nkampani iphephile? Kutheni engenalo idilesi enye yokubuza imibuzo?

Ukunyaniseka, oku kuyinkqantosi. Kodwa, ngakolunye uhlangothi, sisebenzisana kuphela neprojekthi ebonakalayo. Ngoko, akanakho ukuba nedilesi yomthetho. Ngoko, akusiyo isizathu sokwenqaba ukusebenza kunye nenkonzo. Iprojekthi ye "e-iklabishi" inomnxeba wokunxibelelana, i-imeyile kwakhona - ngaphandle kweengxaki kwaye nangaliphi ixesha unethuba lokubiza nokuthetha nabaqhubi, cela yonke imibuzo enomdla. Le nto inokuthenjwa.

Iwebhusayithi

Nangona kunjalo, akukho konke okulula kwaye kulula. Emva koko, "Iklabishi" ivela kude kwiingxelo ezifanelekileyo. Kunoko, azinathathi-hlangothi okanye aphilileyo. Kwaye abasebenzisi bahlawula ingqalelo ekhethekileyo kwisiza seprojekthi.

Akayi kubangela ukuzithemba okukhulu. Kutheni? Ngaphandle, inkonzo ibonakala ngathi akunjalo ukuba awuyi kunika imali mboleko, kodwa uthengise iimpahla ezithile. Uninzi lweentengiso, impendulo enempilo, kunye nenkcazo ecacileyo yeemeko zokusebenzisa iinkonzo ngamanqaku entengiso. Ayikho into ecacileyo, enokuqinisekisa ubungqina kunye nenyaniso yeprojekthi.

Kodwa apha uyabona ukuba inkampani ye-iklabishi ine-hotline. Ngaphezu koko, nangaliphi na ixesha unelungelo lokuvavanya amandla okusebenza kwalo. Shayela uze ufumane iinkcukacha zenkonzo? Kulula! Le ngxaki ingancinci ngandlela-thile ingqiqweni yentlangano, ukuba isekelwe kuphela ekubunjweni kwesiza. Ewe, apha unokufumana ulwazi malunga nemali-mboleko kunye neekredithi ngokubhaliweyo, kodwa ibonakala yonke iphethini efanayo. Kwaye, ewe, evezwe kwifom yokuthengisa.

Umhlobiso

Ingqwalasela ekhethekileyo ihlawulwa ekusebenziseni ngokuthe ngqo iinkonzo. E-iklabishi, umboleko okanye i-microloan ingathathwa, njengoko kugxininiswe ngabadali beprojekthi, nangaliphi na imini yomini okanye ubusuku. Kule meko, uya kukwazi imali epheleleyo kwangaphambili, okuya ku funeka uyinike. Njengoko sele kuthethwe ngazo, ekubaleni kuya kunceda i-calculator ekhethekileyo ye-intanethi, ngqo ngqo kwiphepha eliphambili lombutho.

Ukongezelela, isicelo se "e-Iklabishi" senziwe kungekhona nje kwi-intanethi. Kuya kuhlolwa kwakhona ngokuzenzekelayo. Ngelo xesha, imali iboniswa kuwe xa ufuna. Oko kukukhawuleza emva kokutshekisha, okusoloko kuthatha ngaphezu kweyure. Kwaye akunandaba nokuba yimini okanye ubusuku - ufumana mboleko xa ucele yona.

Ukubhaliswa kwenzeka ngaphandle kweengxaki. Kwanele ukubonisa iinkcukacha zakho zokunxibelelana, kunye nokukhetha indlela yokurhoxisa imali. Ngokuba le nkonzo "e-iklabishi" ifumana ingxelo enhle kakhulu. Emva kwakho konke, unokuthatha imali mboleko (kwikwereta) kwikhadi, ukudluliselwa kwebhanki, ukuhoxisa imali kwi-wallet ye-elektroniki. Akukho nto inokukrokra. Emva kokufumana iinkcukacha zokuhlawula ityala. Konke oku kukukholisayo abathengi - ngoku awunayo ukujongana nemaphepha engekho mfuneko! Ufuna imali? "Iklabishi" iya kubapha ngokukhawuleza!

Ngendlela, awudingi nawaphi na amaxwebhu avela kuwe. Isicelo sokukhutshwa kweemali sifuna kuphela ulwazi oluvela kwipaspoti - idatha yomuntu, ukubhalisa, umhla wokukhutshwa kwekhadi lesazisi. Kwaye akukho nto. Kulula kwaye kulula. Yingakho "iklabishi" (i-microloan okanye umboleko oza kuthatha ukususela ngoku ayiyona ingxaki) ifumana izimvo ezintle.

Imbuyiselo

Kodwa ungabuyisela njani ityala? Yintoni abasebenzisi abacinga ngayo ngale nkqubo? Kwi-"e-iklabishi" ukuhlawulwa kwemboleko ayiyinkinga. Uya kunikwa zonke iikhishithi ezifunekayo. Yaye unako ukuhlawula ityala nganoma iyiphi indlela efanelekileyo. Umzekelo, ngokusebenzisa iibhanki kwi-intanethi okanye kwii-terminals zokuhlawulwa.

Ngendlela, ukuba awukwazi ukubuyisela imali ngexesha ngesizathu esinye okanye esinye, ungavuma ngokulibaziseka okufutshane. Enyanisweni, olu hlobo lwezinto ezihlukeneyo aluqhelekanga. Kutheni? Konke ngenxa yokuba inkonzo yokuqala inikezela zonke izibalo kwaye ibonisa ukuba kwaye kufuneka uhlawule kangakanani kwaye nini. Kwaye kwenzeka oku kumgangatho wokubhaliswa kwemboleko. Ngoko, unokonwaba kuphela ngomsebenzi wenkonzo. Kodwa ngaba kuhle? Ngaba kukho nayiphi na imiba engalunganga kumsebenzi weziko lemboleko?

Ukuphelelwa isikhathi

Akunjalo. Naka ingqalelo ngexesha elinjalo njengentlawulo yokugqibela. Nangona uvumelana nenhlangano malunga nayo, kungekhona into yokuba awuyi kuba neengxaki. Kwiimbali zemboleko, eqinisweni, lo mzuzwana awubonakali kakhulu, kodwa oko kwanele ubomi.

Into yokuba i-e-iklabishi idla ngokukhawulela iinkampani zokuqokelela "ukukhupha" iintlawulo ezivela kubaboleki. Kwaye ukunxibelelana nabasebenzisi bale mibutho iqala ngokukhawuleza emva kokuvela kwetyala. Kwiimeko ezininzi, akunakukwazi ukuvuma ngokulibaziseka ngaphandle kokufumana abaqokeleli. Baya kuqhubeka bakhathaza. Thatha lo mzuzwana. Emva koko, umbutho wanamhlanje usondela ngokugqithiseleyo umba wokubuyiselwa kwemali. Thatha-buyisele. Ngaphezu koko, ukuhlawulwa ngokugqithisileyo, njengommiselo, akukhulu kakhulu.

Iimali ezixhamlileyo

I-e-iklabishi "ihlola isicwangciso esingalunganga ivela kwezinye iimeko. Ingakumbi kulabo bahlawula imali mboleko ngexesha. Ngokuqhelekileyo kukho iimeko xa abasebenzisi beqala ukuhlukumeza abaqokeleli emva kokuhlaliswa ngokupheleleyo kunye neenkampani. Oko kukuthi, wanika imali, umbolekisi wabuyiswa, akukho netyala, kodwa ukususela kuwe bafuna oko.

Lo mcimbi uphakamisa umxholo obalulekileyo ekuthandeni nasekuphumeleleni kwe "Iklabishi". Ukukhusela amalungelo abo kule meko kuya kuba enkundleni. Kwaye kunokwenzeka, njengokuba abanye abasebenzisi bathi, awuyi kuphumelela. Emva kwakho konke, ukuboleka imali okanye mboleko kwi-Intanethi yinto engathembekiyo neyingozi. Ngenxa yoko, kunokwenzeka ukuba kuya kufuneka uhlawule kabini. Ngexesha lokuqala - ngokusemthethweni, okwesibini - ngesigqibo senkundla. Ngamanye amaxesha kwiinkqubo ezinjalo kuvela ukubonakalisa ukungabi namacala. Ngokukodwa ukuqwalasela ngokukhawuleza kunye nokukhwabanisa kwemali mboleko ngokuzenzekelayo!

Dumisani

Kodwa i-intanethi inephi iimbono ezintle malunga nenhlangano? Ngaba konke oku kukhwabanisa? Ngokwengxenye. Ewe, ininzi yeembono ezilungileyo "i-e-Iklabishi" ithola ukukhohlisa. Iingxelo ezithengiweyo zenzelwe ukuheha abaphulaphuli. Ngelo xesha, asifanele sicinge ukuba kukho isikramiso phambi kwethu, kungekhona. "Iklabishi" iyinkqubo esebenza ngokwenene eyenza i-microcredits kunye nemboleko. Nangona eneempawu zayo.

Ngaloo ndlela, kufuneka sikwazi ukuhlukanisa phakathi kwamanga nenyaniso. Nika ingqalelo - uthenge iimpendulo zibukeka ngendlela ebonakalayo kwaye uchaze ngakumbi iingenelo zenkampani. Akukho lwazi olubalulekileyo noluncedo lunokukhishwa kubo. Ngoko, kunokwenzeka ukuba ukholelwe ukuba kukho iingcamango ezingenangqondo.

Iziphumo

Yintoni umfanekiso wokugqibela? Inkonzo "e-iklabishi" i-microloan kunye nekhredithi inika. Ngaphezu koko, inkampani inikeza iinketho ezininzi zokufumana imali. Ngoko, akukho ntshukumo ekhohlisayo phambi kwethu. Nangona kunjalo, kucetyiswa ukuphepha le nkonzo.

Kutheni? Njengoko sele kuthethwe ngaye, ezinye izinto ezikumangalisi zikulindele kwixesha elizayo. Umzekelo, ukuba kwenzeka ukukhusela amalungelo akho enkundleni kuya kuba nzima, ngezinye izikhathi akunakwenzeka. Kwaye ngokubanzi, ukwenza i-mboleko kwi-intanethi yinkampani ebungozi. Akukho mntu unokukwazi ukuqikelela ngemiphumo. Ungakhohliswa nje. Ngokomzekelo, imali ayibhalwanga, kwaye ityala "likhankanywe." Ixesha elithi "e-iklabishi" lenzekile.