Sibiza ii-microloans ukuba zincinci kakhulu ezemali eziphuhliswa phantsi kweemeko ezithile zorhwebo ezinokuthi zifikeleleke kuyo nayiphi na iprofayili yomsebenzisi ukufumana ukuthengiswa kwiimeko ezithile. Ukusuka kule meko ngokubanzi, olu didi lweemveliso zenkxaso-mali yabucala ziyasebenza bajongane neenkcitho ezingalindelekanga. Ukusuka kwi-invoyisi engalindelekanga kuye nakowuphi na umthwalo werhafu onokuthi uvele nangaliphi na ixesha. Kwaye nokuba isicelo ebhankini asonelisekanga okanye ngenxa yokuba singazifezekisi iimpawu zebango ekugqibeleni, isisombululo esishiyekileyo kukuya kulo mgca wekhredithi.
Apho nabathengi abadityaniswa kulo naluphi na uluhlu lwabangathobeliyo banendawo. Nkqu ngaphandle kokufaka ntlawulo okanye umvuzo oqhelekileyo. Ukuba oko kubizwa ngokuba zii-microloans kuphawulwa ngento ethile, kungenxa yokuba zivulekile nakweyiphi na imfuno, kubandakanya neyakho ukuba bekunjalo. Bazi Kulula uku-odola kwaye kwimizuzu nje embalwa uya kuba nakho ukujonga ukuba banikwe nyani na. Ewe kunjalo, kuzo zonke iimeko eziphantsi kwemfuno engabalulekanga kakhulu kuba zilinganiselwe kwimali encinci.
Ukuba ufuna ukwenza ikhontrakthi enye yezi mboleko-mali zincinci, kuya kufuneka uyazi ukuba okwangoku kukho iintlobo ngeentlobo zamaqonga ezemali anikezela ngeenkonzo zawo ukwanelisa le mfuno kubathengi. Enye yeemfuno kukuba zenziwe ngokusesikweni kwi-Intanethi. Ngokufanelekileyo, kwikhompyuter yakho okanye esinye isixhobo setekhnoloji ukwenza lula kunye nokwenza lula, kodwa kuninzi ukusebenza. Ukuze kwixesha elifutshane kunesiqhelo unexabiso elifunwayo kwiakhawunti yakho yokujonga. Ngale ndlela, ibango lezinto ezincinci zenziwe ngokusesikweni.
Microloans: ukuya kuthi ga kwi-euro ezingama-1.000 XNUMX
Ewe kunjalo, ukuba ufuna kuphela isixa esikhulu semali, kungcono uyeke ukuzama. Apha awuyi kufumana isixa esikhulu semali konke konke. Ukuba akunjalo, ngokuchaseneyo, kuphela ziingcebiso ezincinci zokuthengiswa. Ngemvume ephezulu yoku phakathi kwe-600 kunye nama-1.000 euros. Ukuze ngale ndlela usombulule ingxaki encinci kulwelo lwakho kunye nokuphuhlisa ezinye zeenjongo ezazivelisiwe ngaphambili kweli nqaku. Ngayiphi na imeko, ukugqitha kula malinge okuxhasa ngemali iya kuba yinto engenakwenzeka.
Kwelinye icala, olu luhlobo lweentambo zemboleko ezizodwa zinexesha elide lokuhlawula kuba kuya kufuneka uhlawule ukusebenza kwiinyanga ezimbalwa kakhulu. Ngayiphi na imeko, ukuba awuhlangabezani nemiqathango, kuya kufuneka wazi ukuba izohlwayo zifunwa kakhulu kuba banokukuhlawulisa inzala kwintlawulo yasemva kwexesha engaphezulu kwama-20% nangakumbi kwezona zindululo zixhaphazayo kubasebenzisi bezi mveliso. Ukusuka kule meko, kufuneka uqinisekise ukuba ungazibuyisa iimali ozibolekiweyo. Kungenxa yokuba ungahlawula imali eninzi kunangaphambili.
Inzala engaphezu kwama-20%
Enye into ebalulekileyo kwizinto ezibizwa ngokuba yi-microloans kukuba kuzo zonke iimeko kuya kufuneka uthathe inzala ephezulu kakhulu. Ewe, ngaphezulu kweekhredithi eziqhelekileyo ezilungiselelwe ngamaziko emboleko. Ayothusi into yokuba umnyinyiva wayo unomdla ongaphezulu kwe-20% kwaye kwezinye iimeko unokufikelela kumanqanaba angama-30%. Le nyani ichaphazela ukubaluleka okukhethekileyo kwi inqanaba lamatyala inokuvuka ngendlela eyingozi. Eli nqaku kufuneka lixabiswe ukuba awufuni ukufumana esinye isimanga esibi ukususela kumzuzu wokuqesha kwakho.
Inqaku elinomdla kolu didi lweemali-mboleko kukuba amaqonga ezemali abenza ukuba bangabizi inqanaba lenzala. Ukuba akunjalo, ngokuchaseneyo, igama layo lelomrhumo kwaye leyo yindlela enomdla wokukulahlekisa ngalo mzuzu kanye wokumiselwa ngokusemthethweni. Nangona oku kungafanelekanga kuba kuninzi umdla onokuthi uye kuwe malunga nale nto ibalulekileyo kubomi bemali mboleko. Kwelinye icala, lo mgca wekhredithi esithetha ngawo awubandakanyi Akukho luhlobo lweekhomishini okanye ezinye iindleko kulawulo okanye kulondolozo lwayo. Njengokuba kunjalo ngoku kwimali mboleko yebhanki. Ngeekhomishini zokuvula, ukurhoxiswa kwangethuba okanye nayiphi na enye enokufikelela kwi-2% ngokubhekisele kwisixa esifunwayo.
Izibonelelo ezenza ukuba ibango lakho libize
Nangona kunjalo, unesinye isicwangciso-qhinga sokurhweba ukuze ekugqibeleni imali mboleko encinci ayihlawulelwa. Ungasenza njani esi senzo sinqwenelekayo kubasebenzisi? Ewe, ilula kakhulu ngokunikezelwa kunye nokunyuselwa kwabasebenzisi abatsha. Apho omnye wabo amelwe zizindululo ezisusa naliphi na inqanaba lenzala kwimfuno yokuqala. Musa ukudideka kuba isebenza kuphela kwityeli elinye, elokuqala kubo. Ukuhlawulisa kamva umrhumo oqhelekileyo kurhwebo lwalo mgca mncinci wekhredithi.
Sisenzo esona njongo yazo iphambili kukuzama ukutsala abathengi abatsha kwaye bazazise phakathi kwabo. Ewe inokuba yimeko entle kakhulu kwimidla yakho kwaye uya kuyo ngokungxamisekileyo ii-euro ezimbalwa ukuhlawulela nasiphi na isidingo esinokuvela nanini na. Yinto leyo amaqonga ezemali aphetheyo ekusasazeni la makhredithi amancinci ebeyenza rhoqo. Ngaphaya kweemeko onazo ekuqeshweni kwakho.
Ukusuka kumaqonga ezemali
Ezi mboleko zithengiswa ziinkampani ezinikezele kolu shishino kwaye unokufumana ukupapashwa kwalo nakweyiphi na imithombo yeendaba. Uninzi lwazo sele luthandwa kakhulu phakathi kwabasebenzisi kwaye kwinqanaba lokuba ukwenziwa kwabo ngokusesikweni ikakhulu kukwifomathi ekwi-intanethi. Le nyaniso ekusebenzeni inezibonelelo ezithile zokuqesha kwakho, phakathi kwezinye izizathu kuba uya kuba nakho ukuhambisa imfuno kamnandi ekhaya okanye kwindawo okhoyo kuloo mizuzu. Ngenkqubo elula ukuyigqiba kwaye engathathi ngaphezulu kwemizuzu embalwa.
Kwelinye icala, ngaphakathi komxholo jikelele, awungekhe ulibale nangaliphi na ixesha ukuba izinto ekuthiwa zii-microloans zibonelela ngeemfuno ezingafuneki kangako, kwaye ziya kukunceda ngegalelo olona xwebhu lusisiseko lomntu kunye nesiqinisekiso se-akhawunti yokutshekisha, ukufezekisa injongo. Ukusuka kweli nqanaba, inkqubo yakho inokuqhutywa ngakumbi ngakumbi ngoku ukusuka ngoku. Nangona ucinga ukuba awuzukukhetha ngaphandle kokwenza umzamo omkhulu wezezimali wokugqibezela imisebenzi ngexesha labo elibekiweyo.
Ukuqesha kwifomathi ekwi-intanethi
Ukuba kunjalo kuya kufuneka uthathe umba wokwahlulahlula, kungenxa yokuba ukwenziwa kwawo ngokusemthethweni kukwi-Intanethi. Ukuya kwinqanaba lokuba kwimizuzu embalwa uyokwazi ukuba bayakunika na ezi mali zincinci. Olu lawulo lubaluleke kakhulu luthetha ukuba ukuhlawulwa kwalo kuhamba ngeyona ndlela ikhawulezayo, kungekho ngaphezulu kweentsuku ezingama-30 okanye ezingama-45, kwaye ukungathobeli kuya kufuna izohlwayo eziqatha kubanini bayo. Kwelinye icala, iinkqubo zolawulo ziya kuba sezantsi kakhulu kunakwimigca yemboleko yemveli. Ithetha ntoni le nto? Ewe, akukho ngaphezulu okanye ngaphantsi kunoko kuya kufuneka unikezele ngerhafu okanye umthombo wengeniso eqhelekileyo. Ngaphandle kwento yokuba usebenza kwinkampani.
Nangona iimeko zokwenza ikhontrakthi kwezi mveliso zenkxaso-mali yabucala zithambile, kwaye zikhuthaza isivumelwano sabo, awungekhe uphumle kwimfuno ukusukela ngoku. Kuyinyani ukuba unokufikelela kolu didi lweekhredithi nokuba ubandakanyiwe Uluhlu lwabangeneleli. Njengomzekelo, iRAI edumileyo okanye iASNER, phakathi kwezinye ezifanelekileyo. Kungenxa yokuba uninzi lweemeko zayo zokuxhaphaza ziza ngokushicilelwa kakuhle. Kwaye ke, kuyakufuneka ngokupheleleyo ukuba uhlalutye ikhontrakthi ukuze ungathathi naziphi na ezinye izinto ezothusayo ukusukela ngoku.
Izibonelelo ekuqeshweni
Nangona kunjalo, inokuhlala ikunceda ukuba uphume kwimeko enzima kakhulu. Njengezibonelelo zayo zikho kwezinye zezi meko. Enye yazo kuxa kufuneka ujongane nentlawulo yebhanki ngokungxamisekileyo. Umzekelo, ukuhlawula umntu obolekayo, ukuphelelwa lixesha kwerisithi okanye intlawulo engabonwanga kwangaphambili kwi-akhawunti yakho yobuqu okanye yosapho.
- Ziyanceda kakhulu xa awukho kwimeko yokufikelela kwimali mboleko yebhanki. Ukuya kwinqanaba lokuba awuyi kuba nakho ukukhetha nayiphi na iwindow yekhredithi ukuhlangabezana nezona mfuno zisondeleyo.
- Ukulungisa amabango amancinci kakhulu apho ingayi kukubuyekeza ngokucela imali mboleko kwibhanki yakho yesiqhelo. Okanye mhlawumbi abanalo umgca wetyala kwezi mpawu zikhethekileyo.
- Xa zivelisiwe unikezelo okanye unyuselo eyanciphisa ngokubonakalayo inzala oya kuyibhatala le nkqubela phambili incinci ngokunxulumene nesixa sayo.
- Okokugqibela, nangexesha xa ukungxamiseka kwebango kuthintela ukuba ungaya kweminye imithombo enzima ngakumbi yezemali ngokwemeko yokuyinika okanye hayi. Kuba into oyifunayo kukuba nemali kwiiyure ezimbalwa kwiakhawunti yakho yokonga.
IiMicroloans ekugqibeleni lolunye ukhetho lwemali oluvulelekileyo kulo naluphi na uhlobo lweprofayile. Ukusuka kwimbono yam, bobona buhle bayo bukhulu ukongeza kwinto yokuba iimfuno zincinci.