Beddelka daynta bankiga

bangiga xun iyo waxa beddeli kara daynta bangiga?

Sida caadiga ah, amaah ah ee bangiga mar walba ma aha sidaas fudud oo si sahlan, sida in advertising. darrada ayaa jira dad badan oo dhan oo iyaga ka mid ah waa la gartaa,

• kakanaanta ee design ah - mararka qaar badan oo weydiimaha loo baahan yahay in la ururiyo oo ku saabsan processing amaah qaadataa waqti aad u dheer
• u baahan tahay caddeynta dakhliga - haddii aad socda darawal taksi gaar ah, wax ku saabsan amaah bangi la illoobi karin. bangiyada xaqiijin daruuri rasmiga ah ee dakhliga, taas oo ku siin kara, ma dhammaan
• bangiyada aan diyaar u yihiin in ay la macaamiisha "khatar" shaqeeyaan - haddii aad tahay ganacsade gaar ah ama co-milkiilaha ganacsiga, bankiga aad ka heli galay zone ah oo khatarta, iyo hesho amaah ah waa wax macquul ah
• xayiraad da'da - xadeyn ku saabsan da'da waa dhibaato aad u weyn. Tusaale ahaan, haddii aad ka yar tahay 23 sano jir ama ka weyn tahay 65 sano, waa inaad lagama yaabo in ay awoodaan si ay u helaan qaab amaah ah
• Go'aanka dheer - mararka qaarkood, gaar ahaan marka idiina weyn, go'aanka ah in deeq amaahda, bangiyada qaado waqti aad u dheer. sidaas si la bangiga marka lacagta loo baahan yahay tago "shalay" - waa khatar. Waxaa laga yaabaa in laguu diido, oo markii hore loo qaatay.
• isagoo dhaliyay - marka bangiga bilaabaa inuu "daaweynta" ee macaamiisha cusub, waxaa jira a "sanduuqa madow" (nidaamka goolasha), kaas oo bixiya go'aanka saarka ah (diidmada / ansixinta). Tusaale ahaan, nidaamka badan dhaliyay ma guriga phone - sababta diidmada (in kasta oo qaar badan oo iyaga ka mid ah si fudud ha isticmaalin), ama haddii aad lacag soo daahay uu si amaah ah ee telefoonka gacanta, si qalad ah laga barto iyo 20 rubles, mashiinka goolasha soo saari doonaa diidmada ah! Ka dib oo dhan, aad leedahay a "negative" taariikhda credit ...

Waa wax iska cad in qof kasta oo aan fruitfully iskaashi karaan bangiyada. Marka tan la eego, waxaa hadda si firfircoon uga soo koraya suuqa amaahda bangiga altrenativnogo.

Halkee si ay u tagaan? badiilka ah in laga amaahdo baanka

Waa maxay kale ee bangiga, iyo sida ay u kala duwan yihiin ha?

1. amaahda Private - tag goobta ad kasta, gala raadinta for "deyn gaar ah" oo waxaad arki doontaa badan oo xayeysiis ah - Dame lacag amaahiyaan at xiiso. Kuwani waa deyn ka moneylenders. U dir iyaga oo kaliya miciinka u dambeeya, haddii lacag badan si ay meel u hesho. Qasaarooyinka credit this:

• Boqolkiiba weyn
• sharci "sentigiiba" macaamilka ah
• haddii aadan bixin karin deynta, waxay u badan tahay in la aasay dawaco Khimki ah (badbadin)

Laakiin waxaa kale oo jira tiro ka mid ah faa'iidooyinka:

• credit waxaa laga heli karaa by kasta
• amaah la soo saaray si deg deg ah

2. hay'adaha Microfinance (MFIs) - cibaaro ah suuqa Ruush. Waxaa maray sharci №151-FZ "On ururada Microfinance iyo Microfinance" June 8, 2010 by Duma State ee Ruushka. Ujeedooyinka ugu weyn ee hay'adaha Microfinance yihiin "in ay bixiyaan shirkadaha yar yar iyo shakhsiyaadka kooban helitaanka adeegyada bangiyada dhaqanka, dhaqaalaha iyo dhameystir adeegyada, ay loogu talagalay ka barta of view of saamaynta dhaqaalaha yar-yar ee yeeesha ka mid ah sinnaan la'aanta bulsho ee bulshada, horumarinta ganacsiga gaarka loo leeyahay, horumarinta heerka nolosha, bixinta shaqada. "

Laga soo bilaabo qodobka kor ku xusan waxaa cad in hay'adaha Microfinance - xoojinta dejinta ee bangiga kale. The darrada ugu weyn ee MFIs:

• lacagta Loan ma noqon karaan in ka badan 1 million. rubles
• boqolkiiba kor bangiga
• oo dhan MFIs ma aha isku halayn karo

Faa'iidooyinka MFI:

• MFI nidaam ku FSFM, ie ratio of deynsanaya iyo deyn dawladda ayaa leh
• boqolkiiba aad uga yar tahay in of moneylenders
• sharci "hufnaan" iyo "ka khayroon daahirnimo" macaamilka ah
• heli amaah ah kula MFI waa fududdahay badan ee bangiga. MFIs jira waxyaabo kale oo badan oo daacad u ah shuruudaha lagu qiimeeyo deynsanaya iyo codsiyada amaah ah waxaa loo arkaa mid aad u dhakhso ah

Digniin! dhammaan ururada isa soo taagaan sidii MFIs ma aha. Ka hor jeestay MFIs ku talin ogaato haddii ay tahay in diiwaanka FFMS ah. Diiwaanka Service Suuqyada Financial Federaalka waa si cad u heli karo iyo waa link: http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Sida MFIs ayaa weli ku jira inta badan aan la aqoon, prvide liiska yar, kaas oo laga heli karaa:

1. "Amaahda in jeegaaga" - ilaa amaah ilaa 50 000 rubles ah. Dulsaarka waxaa korkooda ah mid aad u ballaaran, laakiin ay fududahay si aad u hesho oo ay fududahay in la soo noqdaan. In my opinion, xaaladaha ugu aqbali karo in shirkadaha soo socda:

a) lacag Guriga - habboon in maamulayaasha shirkadda ee u adeega macaamiisha guriga, ma meel tagaan.

b) Mini Money (ka shaqeeya Moscow iyo St. Petersburg) - "ku haboon" danta ugu.

2. amaahda Major - deyn ka 50 000 iyo ka kor. Sida caadiga ah, boqolkiiba oo ka mid ah oo u dhaw in bangiga, laakiin xaalada ay tahay mid ka yar daacad ka ahayn in "amaahda in jeegaaga." On deymaha sida, waxaan ugu raaxo leh u muuqdeen in la shirkadaha socda shaqeeyaan:

a) Shirkadaha AEC Group (shaqada kaliya ee Moscow iyo gobolka Moscow) - guuto aad u fiican la leeyahay sumcad wanaagsan. negative kaliya - waxa kaliya ee aad heli kartaa amaah baabuur credit. Website: http://aecgroup.ru/

b) Finotdel - amaahda oo kaliya in ay ganacsi, laakiin waxaa laga heli karaa iyada oo aan dammiin.

3. Credit Cooperative (CCP) - nasiib darro, aan ma ahaa aqoon u leh waxyaabaha gaarka ah ee suuqa PDA ah, sidaa darteed ma doonayo in aan halkan ku qor macluumaadka la xaqiijin. Si dhakhso ah ayaan u tegayaa inaan caddeeyo in faahfaahin dheeraad ah arrinta iyo qori ku saabsan CCP article goonida.

4. Lombard

pawnshop jir Good waxaa loo yaqaan oo dhan, sidaa darteed ma tegi doonaa faahfaahinta. dukaan dhilif The, waxaad si fudud u heli kartaa inta aad doonto ee lacagta, laakiin in uu ka tago hantidooda. Si aad dib ugu soo iibsan hantida, bixin doontaa arrin boqolkiiba sare.

nasiib wacan iyo ugu dhakhsaha badan aad aragto!