Ndani angafunse zazing'onozing'ono?

magwire
ndi ma microcredits ochezera Ndi chimodzi mwazinthu zopangira ndalama zomwe mungagule kudzera m'mabanki. Ndipo izi zimadziwika ndi zopereka zingapo zomwe zimawapangitsa kukhala osadziwika kwa makasitomala. Choyamba chifukwa cha omwe amalandila ngongole zanu zapadera. Ndi anthu, omwe sangathe kupeza magwero azachuma, ndipo alibe ndalama zochepa.

Mbiri ya ogwiritsa ntchito omwe amafunafuna chilichonse chazinthu zazing'onozi ndi osagwira ntchito kwakanthawi, azimayi olekanitsidwa, mabanja a kholo limodzi, ndipo ngakhale achinyamata omwe akufuna kuyambitsa bizinesi yawo yoyamba. Mulimonsemo, iwo amakonda kwambiri anthu omwe ali mumkhalidwe wonyalanyazidwa. Ndipo kuti kudzera muntchito zachumazi amatha kukhala ndi ndalama zothandizira kuti agwire ntchito yomwe angagwiritse ntchito pamoyo wawo.

Ma microcredits azachuma anali chinthu chodziwika bwino pazachuma zaka zingapo zapitazo, makamaka mkati mwa theka lakhumi lomaliza. Pomwe gawo labwino lazinthu zachuma limapereka mbiri yamalonda pamikhalidwe imeneyi. Makamaka mabanki osungira omwe akhazikitsidwa m'gawo lathu, komanso ndi mgwirizano wabwino kwambiri mokomera omwe adzawapemphe. Panalibe mavuto ochulukirapo kuti awagulitse, ndipo kufunikako kunali kwamphamvu kwambiri.

Komabe, chifukwa cha mavuto azachuma omwe adayamba mu 2008, makamaka chifukwa chakukonzanso mabanki ku Spain, zoperekazo zidasungunuka, mpaka zikuwoneka kuti ndi ochepa. Mpaka kuti pali mabanki ochepa kwambiri omwe ali ndi ntchitoyi. Zasowa pamalingaliro awo. Kuchepetsa kokha kuzinthu zenizeni zomwe amaperekedwa ndi chiwongola dzanja chambiri, ndipo zitha kupangidwa popanda ma komisheni, kapena ndalama zina zoyang'anira kapena kasamalidwe.

Mabungwe omwe amadziwika ndi mbiri iyi

Komabe, mudakali ndi nthawi yoti mabanki awa azikhala bwino. Zapangidwa m'zaka zaposachedwa ndi bungwe lodziwika bwino mgululi la ngongole zazing'ono. Awa ndi Microbank, gawo laling'ono lomwe amalimbikitsa La Caixa kukwaniritsa zosowa zapaderazi. Kupereka ngongole zingapo m'mabanja osapeza chithandizo, achinyamata omwe sagwira ntchito, ngakhale ochita bizinesi. Alinso ndi microcredit yapadera kwambiri, yomwe cholinga chake ndi kupulumutsa zachilengedwe.

Mabungwe ena, m'malo mwake, athetsa kufunikira kumeneku kwa anthu kudzera m'makongoletsedwe apamwamba kwambiri omwe amasintha magawo awo azachuma. Ndi milandu yodziwika bwino, ndipo mulimonsemo, makamaka cholinga cha achinyamata omwe akufuna kupanga bizinesi yawo yoyamba, kapena kuti uzilemba ntchito, ozilemba okha. Ngati ndi choncho, mudzalipira chiwongola dzanja chochepa chaka chilichonse, ndipo mudzatha kupeza maubwino ena omwe amakuthandizani.

Kodi ma microloans amakupatsirani chiyani?

ndalama zoperekedwa ndi ma microcredits ochezera Unicaja, Kutxabank kapena Banco Sabadell ndi ena mwa mabungwe azachuma omwe apanga izi, komanso pazopereka ndalama. Kodi mungapeze chiyani pamapangidwe awa? kuyamba, siopatsa mowolowa manja, osapitilira ma 25.000 euros.

Ndipo komwe mikhalidwe yawo ndi mbedza yayikulu yogulitsa iwo pakati pa ogwiritsa ntchito. Osati pachabe, khalani ndi kuchotsera kwamaperesenti angapo mokhudzana ndi malingaliro wamba. Ndipo komwe kumawonjezeredwa mawu obweza osinthika mosavuta, komanso nthawi yachisomo yomwe imatha kufikira miyezi 12. Pomaliza, kupezeka kwa ma guarantors kapena anthu omwe amathandizira ntchitoyi sikofunikira kwenikweni.

Kutengera pempholi, bungwe lirilonse limasindikiza mtundu wake pachinthu chilichonse chomwe chikufunsidwa. Mulimonsemo, zimathandizidwa kuti musamalipire ndalama zamtundu uliwonse, kapena ndalama zina. Kuchokera pamalingaliro awa, ali ndi mbiri yabwino kwambiri pakupanga kwawo. Kusunga ndalama zokwanira kuchokera nthawi yomwe mwawapempha, ndipo mwanjira imeneyi mutha kuzigawira pazofunikira zina zofunika pamoyo wanu.

Ngati pempho lanu livomerezedwa Mutha kugawa zofunikira pazosowa zosiyanasiyana: pangani kampani yanu, khalani odzigwira nokha, kapena ngakhale mukukwaniritsa zosowa zazikulu pamoyo. Pazifukwa izi chifukwa chofunsira ofuna kulembetsa saloledwa. Ndipo komwe ndi ochepa okha omwe angakwanitse kupeza malingaliro azandalama. Kodi mukufuna kudziwa ngati ndinu m'modzi wa iwo?

Kodi amafunsa chiyani kwa inu?

Vuto lalikulu polembetsa chilichonse mwazinthu zachitukuko ndikukumana ndi zofunikira kuti pulogalamuyo ivomerezedwe. Mwanjira yabwinobwino, ndi anthu omwe amasalidwa komwe kumakhala kosavuta kukopa ndalamazi. Ngati pano simuli pantchito, ndinu mayi womenyedwa, kapena zimakuvutani kuti mupeze zofunika pamoyo, ndiye kuti mwachokera kutali kuti mupeze.

Koma sizikhala zophweka monga momwe mungaganizire. Popeza ma microcredits omwe amayang'ana ntchito zodzifunira okha adzapatsidwa chilolezo cha lembani zomwe mwasankha, ndipo zowonadi kuti izi ndizotheka. Ngati sichoncho, simudzachitira mwina koma kudzanong'oneza bondo chifukwa chokana dongosololi. Ndipo muyenera kupeza njira zina zopezera ndalama kuti mukwaniritse cholingachi.

Mu gawo lina labwino lamabanki, muyenera kuwonetsa kuti ndalama zomwe mumapeza pachaka siziposa malire omwe mungapeze kuti mudzalandire ndalama zanu. Nthawi zambiri ndalamayi siyingadutse ma euro 20.000 pafupifupi chaka. Ndipo chofunikira kwambiri komanso chofunikira pamilandu iliyonse: azimayi olekanitsidwa, mabanja a kholo limodzi, ndi zina zambiri, angabweretsere zifukwa.

Ngati mwakwanitsa kupititsa zosefera izi, mudzakhala ndi ndalamazo muakaunti yanu masiku ochepa. Malingana ngati akutsatira zomwe zili munjira zopezera ndalama anthuwa. Mwanjira ina iliyonse, kulemekeza nthawi yomwe amalipira mosamalitsa. Ndizosadabwitsa kuti ngati mungalephere kuzitsatira, mutha kukhala ndi zilango zazikulu zomwe maakaunti anu angakumane nazo.

Maubwino omwe amapanga

Ngati ndinu m'modzi mwa anthu omwe mwapindula ndi mphotho ya zina mwazinthu zochepa zomwe anthu amakonza m'mabanki akulu, simudzachitiranso mwina koma kubwereranso ku zabwino zomwe kulembedwa ntchito kukuthandizani. Ndizosiyanasiyana ndipo ndizosiyanasiyana, ndipo azingoyang'ana mbali zotsatirazi.

  • Mtengo womaliza wa zomwe mukufuna zidzakhala zotsika mtengo kwambiri Bwanji mukasankha kufunsira ngongole zachikhalidwe, ndipo chimodzi mwazimene mabanki amakonda kugulitsa pafupipafupi.
  • Akupatsani a mawu osinthasintha kotero kuti mubwezeretse, komanso kuti mwina yasinthidwa pazosowa zanu zachuma, komanso kwa omwe muli nawo, kutengera momwe mumakhalira panthawi yopanga ngongoleyo.
  • Poyamba mudzakhala ndi nthawi yachisomo, pakati pa miyezi 6 ndi 18, kuti mukhale ndi mpumulo wachuma pachiyambi, ndipo zomwe zimayamikiridwa makamaka pagulu la omwe amalandila, makamaka chifukwa cha mavuto azachuma.
  • Mudzangolipira chiwongoladzanja zomwe zikupanga mbiri, popanda ndalama zina zowonjezera zomwe zingakulitse kuchuluka kwa magwiridwe antchito kubanki, zomwe zithandizira kukhazikitsidwa kwa onse ogwiritsa ntchito kubanki.
  • Simusowa wachibale kapena mnzanu kuti avomereze ntchitoyi, koma iwe ndi amene uzichilikiza. Nthawi zambiri ndiudindo wanu monga odandaula, ndipo ngakhale mumalandira ndalama zochepa.
  • Ndipo pazochitika zonse, pamtengo wambiri womwe ungakhale wopindulitsa pazosowa zanu. Ndiye Zitha kukhala zosiyana kuchokera pa 4% mpaka 7% ngati malire kutseka malonda ndi banki yanu.

Njira zina zokuthandizirani ndalama

Ngongole pakati pa abale zitha kukhala njira ina kwa anthuwa Ngakhale zili choncho, ngati njira yothandizira ndalama iyi yalephera pazifukwa zilizonse, ngati njira yomaliza nthawi zonse muzifufuza magawo ena azachuma. Iyenera kukhala njira yosavuta, kutali ndi iyo, koma osachepera mutha kuyiyesa. Osati pachabe, sizikulipirani kanthu, ndipo pamapeto pake kuyesetsa kwanu kumatha kukwaniritsa mphotho yomwe mukufuna kuyambira pachiyambi ndikupatseni ndalama nthawi zonse.

Zowona kuti kuthekera kudzakhala kochepa, ndipo sikungakukhutitseni konse. Koma mulibe yankho lina loti mukwaniritse zolakalaka izi. Ngakhale kuchokera pamalingaliro apachiyambi, omwe atha kukudabwitsani pakuwona kwawo. Khama lililonse ndilofunika kuti muthandizire ntchito zanu kapena zosowa zanu.

Njira yoyamba ndiyo kupeza ngongole pakati pa anthu, zomwe mungasunge ndalama zambiri ngati mutha kumaliza ntchitoyo ndi chiwongola dzanja pafupi ndi 6%. Ndi ntchito yosatheka, koma m'malo mwake mutha kupeza nsanja zachuma, pomwe anthu ena amatha kukukongoletsani ngati njira yopangira ndalama zawo.

Zotsatira za njira yatsopanoyi, nonse mutha kupindula ndi njirayi kuti mupeze ndalama zochepa. Kupatula pakufuna kudzipereka kwambiri komanso kupirira kwa inu. Ndicho chofunikira chokha kuti mudzasungidwe munjira iyi.

Ngati mwalepheranso poyesayesa, chifukwa chokha padzakhala njira yofunsira okondedwa anu. Atha kukhala ndi ndalama zokwanira zothetsera vutoli m'maola ochepa, ndipo popanda kusaina pangano. Osati pachabe, zidzatengera kukondera kwa onse awiri.

Ndipo komwe kusinthasintha kwa mikhalidwe kudzakhalire ubale wamalonda. Zachidziwikire kuti pali anthu ena omwe ali pafupi ndi malo omwe mumakondana nawo omwe ali okonzeka kubwereketsa kuchuluka kwa zomwe mukufuna. Ngati simukuyesa, simudziwa, ndipo koposa zonse ndi maubale ati omwe mungadalire kuti mukhale ndi machitidwewa, omwe amapezeka mabanja achi Spain.

 

 

 


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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.