Mabanki ambiri ndi microfinance amawopseza obwereka poti ngati sangalipire, amatha kumangidwa ndikutumizidwa ndikutumizidwa kumalo osakhala kutali. Kodi ndizowona kuti zimangidwa chifukwa chosalipira ngongole ku Russia mu 2021? Kodi Muyenera Kuchita Zinthu Moyenera Kupewa Chilango? Kodi mungakhale bwanji kuti mulibe chilichonse cholipira ngongole? Za Bankiroos.ru adauza Katswiri wazachuma Dmitry Sysoev.
Chipachiro chovuta cha ngongole- Muyeso wotere ungagwiritsidwe ntchito molingana ndi imodzi mwazinthu ziwiri za zigawenga za Russian Federation. Zowona, ndikofunikira kusungitsa nthawi yomweyo kuti aliyense ayo ali ndi zozizwitsa zawo ndipo machitidwe ake amagwiritsidwa ntchito kawirikawiri. Ndiye kuti, ngati munthu sanatsatire zolingazo, ndipo alibe ndalama zokwanira kuti akwaniritse ngongole zake, ndendeyo samuopseza iye.
Banks ndi MFIS akuwopseza ndende- Izi sizachinthu chimodzi mwazosankha za kupanikizika kwamalingaliro. Nthawi yomweyo kuli koyenera kudziwa kuti nthawi zambiri pamalemba limodzi mwazinthu ziwiri, zoyatsira zimatumiza ziganizo kwa apolisi kuti omaliza ayenera kulandira ndi njira. Izi sizofunikira kuchita mantha, chifukwa sitepe yotereyi ndi imodzi mwazinthu zomwe mungachite.
Mwachilengedwe, wobwereketsa ngongole amatchedwa mboni. Ndikokwanira kubwera kwa wogwira ntchito zamalamulo opanga mabungwe, zomwe zidadzetsa ngongoleyo, ndikufotokozerani zonena kuti ali ndi vuto lachuma, ndipo samasiyira kubwezera ngongole. Pakuyambitsa kwa milandu idzakanidwa chifukwa cha kusakhalapo.
Zingakhale m'ndende chifukwa cholipira ngongole- Ngati mulankhula mwachindunji za nkhani zomwe zingatheke kubweretsa mlandu, nazi njira ziwiri. Choyamba ndi kupewa koyipa ngongole. Sizingafanane ndi njira yolankhulirana ndi wobwereketsa. Cholinga chake ndi ndalama zochepa zomwe zingagwiritsidwe. Lili ma ruble miliyoni miliyoni 200 200,000. Ndiye kuti, amaphimba zojambulajambula bwino.
Kuphatikiza apo, bank iyenera kutsimikizira kuti kusinthira koipa. Mwachitsanzo, perekani chitsimikizo chakuti munthuyu anali ndi ndalama, koma sanavutikenso gawo loti atumize kukwaniritsa udindo wake. Mwachitsanzo, ndizotheka kubweretsa mavutowo atagulitsa nyumba yake, pambuyo pake anagula nyumba yotsika mtengo, osasuntha ngakhale ndalama pang'ono pobweza mitengo yazinthu izi.
Njira yachiwiri ikupepuka m'munda wobwereketsa. Tikulankhula za Article 159.1 mwa zigawenga. Kuti mugwiritse ntchito bwino kwambiri, ndikofunikira kukhala ndi chidziwitso chosadalirika choperekedwa ndi wobwereketsa pokonzekera kulembetsa ngongole. Ndi cholinga chofuwuka. Chifukwa chake, pali zozizwitsa ziwiri.
Choyamba, munthu amayenera kunyenga wobwereketsa. Mwachitsanzo, kuloza olemba ntchito omwe sanagwirepo ntchito. Izi ndizosowa, chifukwa chinyengo choterechi nthawi zambiri chimapezeka panthawi yoyang'ana ntchitoyo. Pambuyo pake, banki kapena MFO imapanga chisankho cholakwika.
Kachiwiri, ndi kubzala ndalama. Chifukwa chake, ngati wobwereka osachepera nthawi yayitali atalembetsa mgwirizano, ndiye kuti mugwiritse ntchito lingaliro ili lidzakhala lovuta kwambiri. Titha kudziwa kuti pa zochitika zonse ziwiri zimakopeka ndi udindo wa nkhope imodzi. Ndipo pamenepo, ngakhale ndi diso lamaliseche, mfundo ya nthano idawoneka. Chifukwa chake, sikuyenera kuwopa nzika zovuta zinthu zovuta.
Zoyenera kuchita ngati palibe ndalama pa ngongole- Ndikofunika kugwirizanitsa malamulo atatu oyamba. Woyamba ndi kubisala kwa wobwereketsa wopanda tanthauzo. Zimangokulitsa udindo. Nthawi zambiri mabanki omwewo kapena Mfis omwe amachira amatha kupereka njira yothetsera vutoli. Mwachitsanzo, mothandizidwa ndi ngongole zobwezeretsa mu mawonekedwe a kusintha kwa dongosolo kapena tchuthi cha ngongole.
Chachiwiri - muyenera kuchita zinthu modziyimira payokha kuti muthane ndi vutoli. Ndiye kuti, kulumikizana ndi mbiri yakale kapena microfofm pa nkhani yobweza ngongole. Zoyenera kulemba ndi kukonza. Makamaka chizindikiro cha Renard pa pulogalamu yofunsira kuti alandire choyambirira kapena kuwongolera kulembera kalata yofunika ndi kufotokozera ndi chidziwitso. Ichi, njira iyi ipatula kugwiritsidwa ntchito pogwiritsa ntchito imodzi mwazikhalidwe ziwiri za zigawenga za Russian Federation, chifukwa sizingatheke kutchingira chifukwa chosalipira molakwika. Kupatula apo, wobwereketsa amayesa kusintha zinthu.
Chachitatu - simungathe kuthamangira mopambanitsa. Mwachitsanzo, pangani ngongole yatsopano kuti mubweze zakale. Izi zimangowonjezera kuchuluka kwa ngongole. Mosavuta kufika ku ngongole, komwe mungangodutsamo. Ndikwabwino kuthetsa mavuto pang'onopang'ono, kutembenuka nthawi ndi nthawi kuti abwerere zofuna kukonza, kumayendera makhothi, komwe kumayesedwa ndi maotawa, ngati pali khothi lomwe likufuna kuchira. ochedwa ndi oyang'anira milandu.
Ndikofunikira mosiyana kuti kuwonjezera kuwerenga kwa ogula ndalama. Onse obwereketsa amafunika kufufuza lamulo la Federal No. 230-FZ. Zimafotokoza bwino za chimango chovomerezeka pokonzekera ngongole yoyeserera. Ndikofunikanso kumvekanso ndi 353-FZ. Imayang'anira ogula maonda ndi ngongole. Mwachitsanzo, imakhazikitsa zolephera zomveka bwino kwambiri mu Mfis, ziphuphu ndi zilango m'mabanki, etc. Ndiye kuti, kuteteza zokonda zawo ndikuwunika mwachidwi kwa zinthuzo kuyenera kudziwa ufulu wawo wodziwa bwino.