Loananan lamuni akan layi - umarni don samun karamin rancen gaggawa akan kati: matakai 5 masu sauƙi + MFO waɗanda ke ba da lamuni ta Intanit a kowane lokaci cikin Rasha

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Barkanku abokai masoya na mujallar kudi ta Rayuwa. A yau za mu yi magana game da samun ƙananan rance a kan layi, wato: yadda ake samun rance cikin gaggawa da kuma waɗanda MFO ke bayar da ƙananan rance ba dare ba rana a ko'ina cikin Rasha.

Af, shin ka ga yadda dala ta riga ta kai darajar? Fara samun kuɗi akan banbanci a canjin canjin anan!

A cikin wannan labarin, zaku koya:

Abin da ake buƙatar yi don samun microloan cikin gaggawa;
Menene sharuɗɗan sake biyan bashi akan ƙananan rance;
Waɗanne MFIs suna ba da ƙananan lamuni akan layi zuwa kati, asusu ko cikin tsabar kuɗi a kowane lokaci.

Bayanai game da ƙananan rance ana nufin su ne don yawancin mutane, saboda ana iya samun buƙata koyaushe karɓar ƙananan kuɗi da sauri. Hakanan zai zama da amfani don samun cikakken bayani game da wannan nau'in rancen da banbancinsu daga ba da rance ta yau da kullun a bankuna.

Microfinance na iya zama da sha'awa ga mutanen da, ko da wane irin dalili, ba a haɗa su a cikin rukunin masu yuwuwar cinikin cibiyoyin banki. Wannan, misali, 'yan fansho, dalibai, da mutanen da ba su da wurin aiki na dindindin ko dogon aikin kwarewa.

Af, kamfanoni masu zuwa suna ba da mafi kyawun yanayi don lamuni:

Matsayi	Kwatanta	Karba lokaci	Mafi yawa adadin	Mafi qarancin adadin	Shekaru iyakancewa	Zai yiwu kwanakin
1	Haja	3 min.	RUB 30,000 Wurin biya!	Rubuta 100	18-65	7-21 kwanakin
2	Haja	3 min.	RUB 70,000 Wurin biya!	RUB 2,000	21-70	10-168 kwanaki
3		1 min.	RUB 80,000 Wurin biya!	Rub 1,500	18-75	5-126 kwanaki.
4	Haja	4 minti	RUB 30,000 Wurin biya!	RUB 2,000	18-75	7-30 kwanaki
5	Haja	-	RUB 70,000 Wurin biya!	Rubuta 4,000	18-65	24-140 kwanaki.
6		Minti 5.	RUB 15,000 Wurin biya!	RUB 2,000	20-65	5-30 kwanaki

Yanzu bari mu dawo kan batun labarin mu mu ci gaba.

Af, kamfanoni masu zuwa suna ba da mafi kyawun yanayi don lamuni:

Matsayi	Karba lokaci	Mafi yawa adadin	Mafi qarancin adadin	Shekaru iyakancewa	Zai yiwu kwanakin
1	3 min.	RUB 30,000 Wurin biya!	Rubuta 100	18-65	7-21 kwanakin
2	3 min.	RUB 70,000 Wurin biya!	RUB 2,000	21-70	10-168 kwanaki
3	1 min.	RUB 80,000 Wurin biya!	Rub 1,500	18-75	5-126 kwanaki.
4	4 minti	RUB 30,000 Wurin biya!	RUB 2,000	18-75	7-30 kwanaki
5	Minti 5.	RUB 15,000 Wurin biya!	RUB 2,000	20-65	5-30 kwanaki

Yanzu bari mu dawo kan batun labarin mu mu ci gaba.

Yadda ake karɓar ƙananan rance akan layi kuma waɗanne ƙungiyoyi masu ba da rance a Rasha ke shirye don bayar da ƙananan rance cikin gaggawa da kowane dare ta hanyar Intanet - karanta a cikin wannan batun

1. Menene karamin bashi kuma nawa aka iyakance shi 💸

A cikin rayuwar kowane mutum, halin da ake ciki na iya faruwa yayin da ake buƙatar ƙaramar kuɗi cikin gaggawa, kuma cikin sauri. Zai iya zama siyan wani abu a cikin shago lokacin da aka rasa a zahiri 2 000 rubles, kuma albashin zai kasance ne kawai bayan 3 rana. Ko karamin bashi lokacin biyan kayan aiki da biyan harajilokacin da ta hanyar biyan amountan kuɗi kaɗan, zaka iya kaucewa kashe fitilar ko tarawa ta fanni daban-daban.

A irin wannan yanayi na iya taimakawakaramin bashiwanda kungiyoyin bada rancen kudi (MFIs) suka samar na wani karamin lokaci.

Karamin bashi - smallan kuɗi kaɗan da aka bayar akan kuɗi na ɗan gajeren lokaci, yayin da aka sauƙaƙe makircin amincewa da rancen, amma ana bayar da shi cikin babban riba mai yawa.

Sau da yawa ana bayar da Microcredit ko da masu karbar bashi wadanda suka biya bashin akan bashin da ake dasu. Kari akan haka, yayin bayar da kananan lamuni, abubuwan da ake buƙata don matakin samun kuɗin masu nema suna ragu sosai.

Sau da yawa, abokan cinikin cibiyoyin bashi waɗanda ke ba da ƙananan ƙananan kuɗi sun zama dalibai, 'yan fansho, da mutane ba tare da samun kudin shiga ba.

Yarda da microloans yayi sauri. Sau da yawa akan yanke shawara a cikin hoursan awanni kaɗan bayan an karɓi aikace-aikacen rancen. Mun riga munyi rubutu game da yadda ake samun bashi mai sauri zuwa kati, asusun banki ko cikin tsabar kuɗi a cikin labarin da ya gabata.

1.1. Adadin adadin da aka bayar a ƙarƙashin ƙaramin lamuni

A mafi yawan cibiyoyin kudi, tsakanin microcredits ga mutane, hada da adadi a ciki 30 000-50,000 rubles... Lokacin da kuka fara tuntuɓar cibiyar ba da bashi, yana da matukar wuya a sami iyakar adadin da za a ba da izinin karamin rance.

Ko da tare da kyawawan halaye masu aminci ga masu karɓar bashi, mai ba da rancen har yanzu yana buƙatar samun ra'ayin horo na kudi na abokin ciniki... saboda haka rance na farkobayarwa kan ƙananan rance da wuya ya wuce 2 000-5,000 rubles.

Lokacin da aka ƙirƙiri ingantaccen tarihin bashi a cikin ɗayan keɓaɓɓun cibiyoyin bashi, girman iyaka don adadin da ake samu don aro yana ƙaruwa.

misali, a aikace-aikacen farko, an bayar da karamin rance a cikin adadin 2 500 rubles don 3 makonni... An biya wannan rancen cikakke a ciki 3 kwanaki... Lokaci na gaba da zaka tuntuɓi ƙungiyar guda ɗaya, za a ƙara iyakar rancen zuwa 10 000 rubles.

1.2. Ananan buƙatu don samun ƙaramin rance

Lokacin da ake neman microloan, mai karɓar bashi dole ne ya cika buƙatu da yawa, waɗanda, idan aka kwatanta da bankunan talakawa, ana sauƙaƙa su ƙwarai.

Abubuwan da ake buƙata don mai aro don samun microcredit:

kai shekarun tsufa;
kasancewar rajista ta dindindin a yankin wurin da ma'aikatar kuɗi ke la'akari da aikace-aikacen rance (a wasu lokuta, ba za a ɗora wannan buƙatar ba, musamman ma idan kamfanin bashi yana da cibiyar sadarwa na ofisoshin wakilan yanki);
kasancewar tushen samun kudin shiga, wannan matsayin bashi da asali kuma da yawa daga kungiyoyin kananan kudade suna yanke shawara mai kyau koda kuwa babu tabbataccen bayani game da hanyoyin samun kudaden masu karbar.

Ya kamata a lura cewa kowace ƙungiya da ke ba da rance tana da nata dokoki game da la'akari da aikace-aikace don lamuni.

A lokaci guda, sharuɗɗan zaɓin don masu karɓar bashi ba na ƙarshe ba kuma kamfanin kuɗi koyaushe na iya amincewa da rance don takamaiman mai aro, ko da idan bai cika biyan bukatun ba. Lamarin na iya juyawa - ana iya kin mai nema ba tare da bayani ba, koda kuwa ya cika cikakkiyar bukatun kamfanin.

Zaɓuɓɓuka inda zaku ɗauki ƙaramin bashi a tsabar kuɗi ko a kati

2. Wanene ke bayar da ƙananan rance - TOP-3 masu ba da sabis na microfinance 📑

A cikin kasuwar ba da lamuni, ana ba da sabis na ƙarami ba kawai ba bankuna kuma kananan kungiyoyi, amma kuma mutane... Wannan ya shafi ba kawai ƙananan ƙananan bashi ba, har ma ga duk ɓangaren samar da rancen kuɗi a cikin riba.

1. Mutane daban-daban samar da microloans kusan ba tare da ƙin yarda ba, ba suyi nazarin tarihin darajar bashi ba kuma basa buƙatar takaddun tabbatar da tushe da yawan kuɗin shiga.

Koyaya, akwai hadari fada ƙarƙashin tasirin masu zamba kuma, bayan an karɓi amountan kuɗi kaɗan akan bashi, canja wurin mai ba da rance duk wata kadara da ta fi adadin da aka karɓa. Yana da ma'anar tuntuɓar mutum mai zaman kansa kawai bisa shawarar abokai ko dangi. Munyi magana game da yadda za'a tsara lamuni mai zaman kansa ta hanyar rasit a cikin labarin da ya gabata.

2. Lokacin neman rance a banki yawan adadin shawarwari don daidaitattun mutane yawanci ana iyakance su, kuma abubuwan da ake buƙata don mai aro suna da tsanani - don samun rance, kuna buƙatar tattara wasu kunshin takardu, kuma bankin ya yanke shawarar bayar da rance a cikin fewan kwanaki kaɗan (wanda bai dace da samin rance ba a cikin 2 000-3 000 rubles). Mun riga munyi magana game da wane banki ya fi kyau karɓar rance daga cikin batun ƙarshe.

3. Tabbacin aro a cikin kungiyoyin kananan kudade ana aiwatar dashi da sauri. Gudun yanke shawara na MFI yana da alaƙa kai tsaye da gaskiyar cewa, a ƙa'ida, ba a tabbatar da tarihin bashi na mai nema ba kuma takardu kan kudin shigar sa ba suyi karatu ba... Kamfanonin Microfinance suna sanya kasadarsu daga bayar da lamuni a cikin mafi karancin lokacin kuma tare da tabbaci kaɗan a cikin babban riba idan aka kwatanta da bankunan na yau da kullun.

Zamuyi la'akari da sifofin samarda kananan rance ta manyan kungiyoyi 3 masu yuwuwar bada rance a tebur mai zuwa:

№	Fasali na samarwa	Kungiyoyin Microfinance	Bankuna	Mutane masu zaman kansu
1.	Yi la'akari da aikace-aikacen	Babban	.Asa	Babban
2.	Kudin sha'awa	Babban	Dangi kaɗan	Daidaiku
3.	Canja wurin saurin	Babban	.Asa	Daidaiku, ya dogara da hanyar bayar da kuɗi
4.	Balaga	Shortan gajere, har zuwa watanni shida tare da yiwuwar tsawaitawa	Doguwa	Daidaiku
5.	Matakan tsaro	Tsakiyar	Tsayi	.Asa

Lokacin zabar mai ba da bashi, ya kamata ku karanta zaɓuɓɓuka da yawa a hankali. Kasuwa ta cika da kyaututtukan da suka dace kuma akwai takaddama tsakanin masu ba da bashi, tare da da yawa suna ƙoƙarin jan hankalin ƙarin abokan ciniki ta hanyar samarwa mafi dacewa yanayi.

Yana da daraja bincika zaɓuɓɓuka da yawa daga kamfanoni daban-daban, don haka zaku iya samun damar samun rance tare da mafi ƙarancin riba.

Jagora mataki-mataki don samun karamin rancen gaggawa akan layi zuwa kati ko tsabar kuɗi

3. Yadda zaka ɗauki karamin bashi a kan layi cikin gaggawa akan kati, e-walat ko kuma a cikin kuɗi cikin matakai 5 masu sauƙi - cikakken bayani

Tare da ci gaban fasahar sadarwa, cibiyoyin bada lamuni da daidaikun mutane sun fadada hanyoyin samar da kudade a wajen wanda ya karba bayan an amince da shawarar bada rance.

Yi la'akari a ƙasa 5 matakai na asali don samun karamin rance.

Mataki 1. Zaɓin cibiyar bashi

Kafin fifita wani kamfani na musamman, ya kamata kuyi nazarin yanayin da ƙungiyoyi da yawa ke bayarwa waɗanda ke ba da rance ga yawan jama'a.

Lokacin zabar mai ba da bashi, kuna buƙatar kulawa ta musamman ga:

girma da inji don kirga kuɗin ruwa;
iyakokin da ke akwai don samar da ƙananan rance;
hanya da lokacin biyan bashin.

Idan yanayin kowane kamfani ya ɗan fi na masu fafatawa kyau, yana da ma'ana bincika suna cibiyar bashibayan karanta sake dubawa game da ayyukanta.

Idan yawancin ra'ayoyin kwastomomi suna da kyau, wannan na iya nuna halin ɗabi'a daga ɓangaren mai ba da rancen da kuma rashin gaskiyar yaudarar masu aro.

Mataki na 2. Zana aikace-aikace don ƙaramin bashi

Don samun damar samar da karamin kudi don yin la'akari da yiwuwar samar da rance, ya zama dole a fitar da abin da ya dace aikace-aikace.

Ana iya cike wannan takardar neman izininkan layi akan shafin yanar gizon kungiyar, wato, ba lallai ba ne don zuwa ofishin kamfanin don wannan. A cikin wannan aikace-aikacen, kuna buƙatar nuna bayananku kuma ku lura da adadin da ake buƙata.

Babban bayanin da za a buƙaci a nuna a cikin aikace-aikacen galibi yana ƙunshe da bayanan masu zuwa:

CIKAKKEN SUNA;
yankin zama;
darajar rance;
kwanakin balaga da ake so;
adadin kudin shiga na wata-wata;
gaban ko rashin takardun da ke tabbatar da adadin abin da aka samu (takardar shedar aiki).

Mataki na 3. Zabar fom na rance

Mai neman kansa da kansa yana da ikon yanke shawarar yadda yake son karbar kudi, ana iya bayar da su da tsabar kudi da kuma ta hanyoyin da ba na kudi ba.

Za'a iya canza kuɗi a lokacin zubar da mai aro:

Kudi Yawancin lokaci ana canja kuɗi a teburin tsabar kudi na kungiyar... Idan mai bin bashi mutum ne mai zaman kansa, canja wurin kuɗi yana gudana a kowane wuri mai kyau, lokacin da aka bayar da kuɗin, rasit... Idan kun karɓi kuɗi ta wannan hanyar, ba za a karɓe ku ƙarin ƙarin kuɗi don canja wurin banki ba.
Canja wuri zuwa katin banki. Zai iya zama kati tuni akwai abokin ciniki, ko wataƙila kati, musamman tsara tare da yarjejeniyar bashi ko dai ta banki da kanta ko kuma a wata cibiyar hada-hadar kudi da mai ba da rancen ya kayyade. Babban sharadin shine cewa katin na kashin kansa ne kuma tuni mai karbar bashi yayi amfani dashi na wani lokaci (game da 3 watanni). Mun yi magana game da inda suke ba da lamuni ga katin nan take ba dare ba rana ba tare da ƙin yarda ba a cikin batun na ƙarshe.
Yin bashi zuwa asusun banki.Ita, kamar yadda yake a batun katin banki, dole ne a buɗe shi da sunan wanda ya rance. Don canja wurin kuɗi, kuna buƙatar tantancewa Sunan Banki kuma Lambar akant.
Canja wuri zuwa walat na lantarki.Wannan hanyar tana da kyau domin ba lallai bane ka bar gidanka ka samu kudi. Walat ɗin lantarki da aka ƙayyade lokacin kammala yarjejeniyar rancen dole ne ya zama “a haɗe»Zuwa ga wayar da aka yi rijista da sunan mai ranta. Ana aiwatar da irin wannan saurin cikin sauri, a cikin minutesan mintuna.

Mataki na 4. Samun bashi

Game da yanke shawara mai kyau na kamfanin bashi don bayar da rance, tare da hanyar da aka amince da bayar da kuɗi, a cikin ɗan gajeren lokaci adadin da ake buƙata zai kasance ga mai karɓar.

Dogaro da dalilai daban-daban, saurin canjin kuɗi na iya bambanta, amma, gaba ɗaya, irin wannan aikin yana ɗauka bai fi awa 1 ba.

Mataki 5. Yin hidimar bashi da kuma biyan bashi

Lokacin kammala yarjejeniyar bashi, ana tattauna hanyoyi da sharuddan biyan bashin. Zai iya zama maida kudi, canjin banki cashless, bayar da kuɗi ga wanda aka ba da ladaran walat na lantarki kuma katunan banki.

Don hanyoyin da ba na kudi ba na biyan bashi, daban-daban hukumarwanda mai ba da bashi da kuma masu hada-hadar kudi suka kafa wadanda suke canzawa (ma'amala). An saita girman irin waɗannan kwamitocin a kan kowane mutum.

Yarjejeniyar karamin rancen da aka kammala dole ne ta bayyana ko ana buƙatar biya bashin tare da riba nan take ko kuwa zai yiwu a sannu a hankali biyan bashin ta hanyar biyan kuɗi na yau da kullun. Game da karɓar kuɗi daga wani mutum mai zaman kansa, ana nuna irin waɗannan bayanan a cikin rasiti, sai dai idan an tsara yarjejeniyar rancen dabam.

A cikin wani labarin daban, mun kuma rubuta yadda za a ɗauki microloan zuwa katin kan layi ba tare da ƙin yarda da dubawa ba - muna ba da shawarar cewa ku fahimci kanka da shi.

4. Wadanne MFOs ke ba da ƙananan lamuni akan layi zuwa katin a kowane lokaci a cikin Rasha - jerin TOP-5 MFOs waɗanda ke ba da lamuni ta Intanet Internet

Hakanan an bayyana hanyar da aka sauƙaƙa don samar da ƙananan rance a cikin sauƙin aiki na ofisoshin ofisoshin kamfanonin microcredit. Lantarki na MFO suna aiki da gaske 24 awowi, ba kamar bankunan talakawa ba, waɗanda ma'aikatansu ke tsunduma cikin bayar da rance na musamman yayin lokutan aiki waɗanda ƙa'idodin aiki suka kafa.

Wannan ya faru ne, kuma, zuwa ƙananan ƙananan rancen da aka bayar, tunda ƙananan abubuwan da aka karɓa ana amfani dasu don biyan duk wata buƙata ta gaggawa, sabili da haka ana bukatar kudi "nan da yanzu".

Da ke ƙasa akwai jerin sunayen sarauta 5 cibiyoyin bashibayar da ƙananan rance kusan a kowane lokaci.

MFO # 1. "Kuɗi mai sauri"

Ana bayar da ƙananan rance a cikin adadin daga 1,000 zuwa 25,000 rubles na tsawon har zuwa kwanaki 16... Lokacin ƙirƙirar ingantaccen tarihin daraja a cikin wannan ƙungiyar, ana iya ba abokin ciniki katin musamman - "Bystrokarta", tare da wacce rance ake bayarwa ga masu karbar bashi mai aminci ta hanyar kiran waya.

MFO A'a. 2. "Vivus"

Girman bashi bashi daga 1,000 zuwa 15,000 rubles... Ana nazarin aikace-aikacen lamuni a kowane lokaci, ana yanke shawara a cikin 'yan mintoci kaɗan. Balantin bashi har zuwa kwanaki 30, yayin da farkon biyan bashin ba ya haifar da tarin kowane hukunci.

MFO A'a. 3. "Kudin Gida"

Ya dade yana aiki a cikin kasuwar ba da lamuni (ta ƙa'idodin cikin gida). Ya banbanta a cikin tsawon lokacin biyan yiwuwar karamin bashi - har zuwa watanni shida, Adadin rance yayi iyaka 40,000 rubles... Idan ya cancanta, ana iya ƙara lokacin biyan bashin don ƙarin watanni shida.

MFO A'a. 4. "SmartCredit"

Yarjejeniyar lamuni tana gudana akan layi ba tare da samar da takaddun tallafi ba. A farkon tuntuɓar, iyakar iyakar ƙaramar rancen ita ce 2,000 rubles, balaga Makon 1kuma ba a biya farkon bashin ba. Kudin ruwa na irin wannan karamin rancen shine 1,9%. Lokacin da kuka sake nema, iyakar kuɗi ta haɓaka, kuma sharuɗɗan biyan bashi sun zama masu sauƙi.

MFO A'a. 5. "MoneyMan"

A kiran farko, ana samun adadin a ciki 1,500 rubles tare da balaga 5 kwanaki... Kamfanin ya bambanta ta hanyar ƙarin sabbin shirye-shiryen bashi na yau da kullun da haɓakawa daban-daban. Cimar Microcredit - 70,000 rubles, tare da biyan kuɗi na yau da kullun yayin biya kowane sati 2.

Don tsabta, ana nuna manyan kayayyakin lamuni na waɗannan kamfanoni a cikin teburin kwatanta:

№	Sunan kamfanin	Lamunin lamuni	Adadin kuɗi	Kudin sha'awa (don kowace rana ta amfani da rancen)
1.	*Saurin kuɗi*	7-16 kwanaki	1-25 dubu rubles	Har zuwa 2%
2.	Vivus	Har zuwa kwanaki 30	1-15 dubu rubles	Daga 1.125%
3.	Kudin Gida	25-52 makonni	10-40 dubu rubles	Daga 0.7%
4.	SmartCredit	5-30 kwanaki	2-15 dubu rubles	Daga 1.9%
5.	KudiMan	5-126 kwanaki Biyan kuɗi sau ɗaya a kowane mako 2	1.5-70 dubu rubles	Daga 1.8%

Idan duk bankuna da microloans (MFOs) sun ƙi ba ku ƙaramin rance, to muna ba ku shawara ku karanta labarinmu kan inda ake samun kuɗi a yanzu.

5. Yadda zaka sami karamin rancen bashi na gaggawa akan sharudda masu kyau - TOP-5 nasihu mai amfani don zabar cibiyar bada bashi 📋

Idan akwai buƙatar gaggawa don ƙananan kuɗi, lokacin da a yanzu wannan kuɗin babu inda za a ɗauka, maganin wannan matsalar na iya samun karamin bashi.

Akwai shawarwari da yawa akan Intanet don saurin fitar da kuɗi cikin sha'awa. Ana iya yin aikace-aikace don irin wannan rancen kan layita hanyar nuna bayanan da suka wajaba a shafin yanar gizo na microfinance institution.

Lokacin zaɓar cibiyar bashi wanda ke ba da ƙananan rance, ana ba da shawarar bin tipsan matakai masu sauƙi.

Tukwici 1. Kula da karatun kimar kamfanin

Cibiyoyin sadarwar komputa suna ba da wadatattun damar musayar bayanai daban-daban. Ba zai zama wuce gona da iri ba don ɓatar da lokaci kan binciken ƙimar kamfanin ba da rancen kuɗi da kuma yin bita kan aikinsa.

Kada ka iyakance kanka ga karanta saƙonni a kan shafin yanar gizon mai bada rance, cancanci ziyarci dandamali masu zaman kansu, hanyoyin sadarwar jama'a kuma yi tambayoyi masu ban sha'awa ga sauran masu amfani.

Shawara 2. Tabbatar da bayanin da aka ƙayyade a cikin tayin daidai ne

Bincika daidaiton bayanin da aka nuna akan gidan yanar gizon kamfanin ko a cikin tallace-tallace. Ana iya yin tambayoyin da ake buƙata yayin sadarwa kai tsaye tare da wakilin ƙungiyar ta waya ko yayin wasikun kan layi.

Idan ya zama cewa ainihin yanayin ƙimar (kudaden ruwa, kwanakin balaga da sauransu) bambanta da waɗanda aka faɗa da farko, wato, dalili ne na yin hattara. Wataƙila, wannan ƙungiyar tana aiwatar da canje-canjen sharuɗɗan kwangila ba tare da ɓata lokaci ba bayan ƙarshenta.

Shawara 3. Idan ya cancanta, ba da damar faɗaɗa balagar bashin

Idan babu cikakken tabbaci game da ikon cika sharuɗɗan yarjejeniyar rancen tsakanin lokacin da aka amince, to yana da ma'ana a ba da fifiko ga ƙungiyoyin da ke ba da umarnin a cikin yarjejeniyar yiwuwar hakan tsawo (sabuntawa), da kuma samarwa "Ranakun hutu" a wasu yanayi.

Ya kamata a fahimci cewa ana yin lissafin kuɗin ruwa akan ƙananan rance ta kwana, kuma ba ta shekaru ba, kamar a cikin bankuna. Don haka, idan yawan yau da kullun shine 2%, to shekara-shekara zai kasance fiye da 700% na adadin da aka karɓa da farko.

Tukwici 4. Kimanta ingancin kungiyar, motsi a cikin tura kudaden

Miniaramar ƙarami tare da ƙarin ƙimar riba yana nuna wasu gaggawa don samun ƙarami, amma adadin da ake buƙata. Saboda haka, ya fi kyau zaɓi kamfanin da ke da yiwuwar saurin tura kudi zuwa katunan bankunan wasuTare da ingantaccen tarihin ma'amala da irin wannan kamfanin, tsarin karɓar kuɗi zai ɗauki ɗan lokaci kaɗan.

Dole ne a ba da bayani game da lokacin karɓar kuɗi ta hanyar wakilin cibiyar bashi.

Tukwici 5. Yi la’akari da matakin shafin da saukin bayanan da aka lika a kai

Idan kamfani yana da sha'awar haɗin gwiwa na dogon lokaci kuma mai fa'ida tare da masu son cin bashi, yakamata a yi ƙoƙari ta ɓangaren sa da nufin tabbatar da wadatar da bayyananniyar bayanin da abokin harka ke bukata.

Tuni a kan babban shafin yanar gizon hukuma ya kasance fahimta bayani game da tsari da yanayin samun karamin bashi... Hakanan mahimmancin sauƙaƙewar hanyar amfani da yanar gizo yana da mahimmanci, don haka ba lallai bane kuyi nazarin duk shafukan yanar gizon don nemo bayanan da suka dace.

Ajiye akan zane da kula da gidan yanar gizon na iya nuna rashin ƙwarewar sana'a na waɗanda suka tsara microfinance ma'aikata, wanda, bi da bi, yakamata ya faɗakar da mai rancen.

6. Yadda ake biyan karamin bashin da aka karɓa akan layi akan kati? 💳

Ana tattauna sharuɗɗan biyan bashi a kan aiwatar da shi. Lokacin canja wurin karamin bashi zuwa katin banki, ana iya biyan bashin da aka karɓa ta hanyar canja kuɗi daga wannan katin. Kuna iya canja wurin adadin da ake buƙata zuwa e-walat ɗin wanda mai ba da rance ya kayyade ko yin biyan kuɗi a cikin kuɗi.

Kowane mai karɓar bashi na iya zaɓar hanyar da ta dace don biyan bashin:

Biyan bashi cikin tsabar kudi Tare da wannan hanyar biyan don amfani da rance, ana buƙatar kasancewar wanda yake tura kuɗin. Bayan biya, dole ne mai karbar bashi ya sami takarda da ke tabbatar da biyan kudin (mai karbar kudi, takardar bashi, rasit). A lokacin sake biyan bashin na ƙarshe, ana ba da shawarar ziyarci ofishin ƙungiyar don samun lamunin rufe lamuni.
Katin banki. Wataƙila hanya mafi dacewa don yin biyan kuɗi na yau da kullun da kuma biyan bashi akan ƙaramin rance. Don canja wurin kuɗi kuna buƙatar sani bayanan ma'aikata na bashi, wannan bayanin yana cikin takaddun da aka zana yayin neman rance, gami da yarjejeniyar da aka bayar ta hanyar lantarki.
Walat na kan layi. Hanyar da ta dace sosai, amma haɗe da ƙarin kashe kuɗi a cikin sigar kwamitocincaji don amfani da sabis ɗin biyan kuɗi.

7. Tambayoyi akai-akai (Tambayoyi) akan ƙananan rance 💬

A yayin nazarin bayanan da ke kunshe a cikin gidajen yanar sadarwar kamfanonin kananan aiyuka, tambayoyi daban-daban na iya faruwa duka kan samun karamin rance gaba daya, da kuma yanayin da ya taso a wani lamari.

Tambaya 1. Yaya ake samun karamin rance akan layi don walat Qiwi?

Yawancin tambayoyi sun tashi game da amfani da walat lokacin karɓar microloans. Kuna iya amsa wasu daga waɗannan tambayoyin ta amfani da misalin samun rance akan walat Qiwi.

Terminals da ke tallafawa wannan tsarin biyan kuɗi suna gama gari. Kamfanin mai haƙƙin mallaka ya haɓaka shirye-shirye don karɓar biyan kuɗi a ciki tsarin lantarki mai zaman kansa, ba ka damar canja wurin kuɗi kyauta ta hanyar biyan sabis da kaya.

Bangaren bada lamuni shima bai tsaya gefe ba. Tsarin Kiwi ya zama abin hawa mai sauki ga mutane don samun karamin kudi.

A matsayinka na ƙa'ida, ana ba da ƙananan rance don canjawa zuwa walat Qiwi walat ɗin 'yan asalin Tarayyar Rasha daga 18 kafin 70 shekaru... Lokacin da kake tuntuɓar kamfanin microfinance a karon farko, ana iya buƙatar mai aron ya mallaki katin banki. Ana iya aiwatar da ƙarin haɗin kai tsaye ta hanyar tsarin Qiwi... Irin wannan hulɗar zai yiwu ne kawai idan babu manyan bashi da kuma lamuni na lamuni na baya.

Fa'idodi na (+) sayar da samfuran kuɗi ta hanyar tsarin Qiwi sune:

documentsananan takaddun da mai bashi ya bayar;
kusan canja wurin kuɗi nan take;
inganci a cikin la'akari da aikace-aikacen;
dacewa ga mutane ta amfani da kuɗin lantarki.

A wasu lokuta, akwai shirye-shirye don tsawaita yarjejeniyar lamuni, da kuma gabatarwa daban-daban da aka gudanar don masu amfani da tsarin na aminci.

Rashin dacewar (-) microfinance ta hanyar Qiwi Wallet sun hada da:

babban ƙimar riba ta irin wannan lamuni;
mafi ƙarancin balaga;
kwamiti daga ɓangaren masu amfani da kuɗin lantarki, wanda za'a iya cajin don ƙarin biyan kuɗi akan rancen.

Tsarin samun microloan akan Qiwi Wallet yana faruwa a matakai da yawa:

Halittar walat na lantarki. Lokacin yin rajista akan gidan yanar gizo na tsarin Qiwi, ana nuna bayanan fasfo da lambar wayar hannu. Don ba da izini a kan rukunin yanar gizon, kuna buƙatar shigar lambaraika zuwa lambar wayar da aka ƙayyade yayin rajista. A nan gaba, don shigar da tsarin, yi amfani da a tsaye (lokacin shiga daga wata takamaiman na'ura) kuma kalmomin shiga lokaci daya... Bayan yin rajista a kan shafin, mai amfani zai iya ƙirƙirar walat na lantarki ta amfani da zaɓi mai dacewa.
Cika aikace-aikacen kan layi don karɓar microloan A wasu lokuta, kuna buƙatar aikawa fasfo fasfo.
Jiran yarda na aikace-aikacen.Bayan aika aikace-aikacen neman lamuni, wayar mai karbar bashi ta karba sako tare da lambar musamman, wanda zai buƙaci shiga cikin gidan yanar gizon kamfanin lamuni, gabatarwar wannan lambar yana tabbatar da karɓar yanayin lamuni.
Karɓar kuɗi.Bayan amincewa da rancen, bayan wani lokaci za a tura adadin da ake buƙata zuwa walat ɗin lantarki, kuma za a aika wa mai karɓar takaddar lantarki tare da yanayin rancen.

Tambaya 2. Shin zan iya samun ƙaramin rance tare da mummunan tarihin daraja?

Cibiyoyin bada rancen kudi suna kokarin bayar da lamuni cikin sauri. Saboda wannan, irin waɗannan kamfanonin ba su da isasshen lokaci don bincika duk masu rance. Haɗarin da ke tattare da wannan hanyar an cika shi da ƙaramin adadin rancen da kuma ƙimar riba mai yawa.

Koyaya, binciken kuɗi kanta yana ɗauka game da 5 mintuna, tare da samun dama mai dacewa zuwa BKI (ofisoshin bashi). Saboda haka, babu cikakken garantin da za a iya ba da hakan tare da manyan bashi don wasu rancen, za a amince da ƙaramin rance. Bugu da kari, kungiyar kananan kudade na da damar kin bayar da rance ba tare da bayyana dalilan ba.

A kiran farko a cikin wani MFO, a kowane hali, zaku iya dogaro kan lamuni na mafi ƙarancin adadin. A kira mai zuwaidan duk an biya bashin ga wannan kamfanin, an ƙara adadin rancen.

Lokacin yanke shawara ko bayar da lamuni ga takamaiman mutum, MFOs, a matsayin mai mulkin, la'akari da basusuka da lamuran kawai akan rancen su, galibi ba tare da kula da tarihin darajar su gaba ɗaya ba. Don haka, zasu iya dogaro da samun ƙaramin bashi ko da masu karbar bashi tare da lalacewar suna a cikin wasu cibiyoyin bashi. Kara karantawa game da lamuni tare da mummunan tarihin daraja a cikin labarin daban a cikin mujallarmu.

Tambaya 3. Menene haɗarin samun ƙananan rance ba tare da bincika tarihin ku ba?

Baya ga ƙimar riba mai yawa, balagar rance da sauri da ƙananan lamuni, microfinance yana da wani mahimmin lamarin haɗari. shi adadi mai yawa na masu zambaƙoƙarin mallakar bayanan mutane na sirri don dalilai na son kai.

Ya kamata ku yi hankali da kamfanoni game da abin da ƙarancin bayanai a cikin yankin jama'a. Wannan kuma ya shafi masu ba da lamuni masu zaman kansu.

Wani lokaci, mai amsawa ga ƙimar fa'idodin da suka fi kyau, zaku iya samun kanku a cikin wani yanayi mara dadi, yana jefa lafiyar ku ta kuɗi da amincin bayanan sirri.

8. Kammalawa + tambayoyi ga masu karatu 🔔

A ƙarshe, wasu tipsan ƙarin shawarwari don zaɓar da sabis na rancen:

Shawara 1. Babban shawara yayin zabar rance shine ƙididdige ƙwarewar ku sosai... Lokacin karɓar kuɗi a kan bashi, mai karɓa ya yi alƙawarin dawowa ba kawai adadin rancen ba, har ma da sha'awar amfani da rancen. Har sai an biya bashin tare da duk abin da ke sha'awa, yarjejeniyar bashin ana ɗauka mai inganci... Jinkiri a cikin biyan na yau da kullun, biyan bashi tare da jinkiri - irin wannan bayanin na iya shafar karɓar lamuni a nan gaba.
Shawara 2. Outauki bashi kawai azaman makoma ta ƙarshe. Idan kuna da damar rancen kuɗi daga abokai ko dangi, zai fi kyau kada ku yi hanzarin ziyarci cibiyar bada lamuni.
Shawara 3. Aron mafi ƙarancin adadin da ake buƙata. Thearin girman rancen, ya fi girma adadin, wanda aka ƙirƙira shi cikin sifar riba.
Tukwici na 4. Idan za ta yiwu, ana ba da shawarar sosai biya bashi da sauri... Adadin adadin don amfani da rancen yana ƙaruwa kowace rana. Dangane da haka, timearancin lokacin da aka yi amfani da rancen, ƙarancin samun ƙarin kuɗi. Banda nan za a iya la'akari kudin da aka biya, amma irin waɗannan sharuɗɗan, a matsayin ƙa'ida, ba sa amfani da duk tsawon lokacin yarjejeniyar rancen.
Tukwici 5. Karanta kwangilar a hankali kafin sanya hannu kuma tabbatar cewa akwai damar haƙiƙa don cika dukkan sharuɗɗan yarjejeniyar rancen. Idan ya canza canji, ana ba da shawarar gaggawa don sanar da mai ba da bashi matsalolin da aka samu. A karkashin wasu sharuɗɗa, cibiyoyin kuɗi na iya samar da abin da ake kira "Ranakun hutu", wanda ya ƙunshi cikin ɗan gajeren hutu a cikin jadawalin biyan kuɗi na yau da kullun wanda baya shafar tarihin daraja. Mai ba da rancen yana da sha'awar karɓar duk adadin da ya dace da shi, sabili da haka, mafi yawan lokuta ƙungiyoyin suna yarda da shi biya da aka jinkirta ko sake fasalin lamuni.

Karamin bashi - hanyar da ta dace kuma ta hanzarta samun kudi don bukatun gaggawa. Lokacin da ake nema don ba da rancen kuɗi, kada ku wuce gona da iri kan ikon ku don kar ku faɗa cikin bautar kuɗi.

Tare da kula da hankali dalla-dalla da kyakkyawan tsarin zuwa zaɓin zaɓuɓɓukan kuɗin gudanarwar aiki, ƙaramin rance zai zama kyakkyawar hanyar magance matsalolin kayan aiki, kuma ba damuwa mai wahala ba.

Tambayoyi ga masu karatu

Shin kun yi amfani da MFI don ƙaramin bashi mai sauri akan layi? A wane yanayi aka ba ku kuɗi?

Ya ku masu karatu a shafin "RichPro.ru", idan kuna da wasu tambayoyi ko kuna son raba ra'ayin ku, kwarewar ku, to ku bar ra'ayoyin ku a ƙasa ku kimanta kayan!

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