Zabi zuwa banki na rance

The bad banki da kuma abin da zabi zuwa banki na rance?

Yawanci, a matsayin aro a banki ba ko da yaushe haka sauki da kuma sauki, kamar yadda a cikin talla. A disadvantages suna da yawa, kuma dukansu suna da aka sani:

• da wuya daga cikin zane - wani lokacin mai yawa binciken da ake bukata domin tattara a kan aro aiki daukan lokaci mai tsawo muna
• bukatar hujja na samun kudin shiga - idan kana gudu mai zaman kansa direban, wani abu game da wani banki, rance za a iya manta. bankuna dole hukuma tabbaci na samun kudin shiga, wanda zai iya samar da, ba dukan
• bankuna ba son yin kokari tare da "m" abokan ciniki - idan kun kasance wani mutum dan kasuwa ko a co-mai na kasuwanci, banki ka samu a cikin wani sashi na hadarin, da kuma samun rancen ne kusan ba zai yiwu
• shekaru hani - hani a kan shekaru ne mai matukar babban matsala. Alal misali, idan ka kasance a karkashin shekaru 23 da haihuwa, ko girmi 65, sa'an nan ku ne da kamar wuya a iya samun rance
• dogon yanke shawara - wani lokacin, musamman a lokacin da manyan kudade, da yanke shawarar baiwa da rance, rance bankuna dauki lokaci mai tsawo muna. sabõda haka ku je wa banki a lokacin da kudi ake bukata "jiya" - shi ne m. ka iya hana, da kuma lokacin da an riga an shafe.
• Ya zira kwallaye - a lokacin da bankin ya fara "magani" na wani sabon abokin ciniki, akwai wani "black akwatin" (cin kwallo tsarin), wanda ya samar da wani fitarwa yanke shawara (kin amincewa / yabo). Alal misali, mutane da yawa Buga k'wallaye tsarin babu gida waya - dalilin ƙi (ko da yake da yawa daga cikinsu kawai ba amfani), ko kuma idan ka yi marigayi biya a kan aro don wayar hannu, da gangan underpaid 20 rubles, da zira kwallon inji zai bayar da kin amincewa! Bayan duk, kana da wani "korau" bashi tarihi ...

Babu shakka cewa ba kowa zai iya fruitfully hadin gwiwa tare da bankuna. A wannan batun, shi ne a halin yanzu na rayayye masu tasowa na rance kasuwar altrenativnogo banki.

Inda zan je? An madadin zuwa banki na rance

Mene ne zabi zuwa banki, da kuma yadda suka bambanta?

1. Private rance - je zuwa wani ad site, shiga a cikin search for "zaman kansa rance" da kuma za ku ga wani yawa na talla - Dame ara kudi a amfani. Waɗannan su ne rance daga moneylenders. Koma zuwa gare su kawai a matsayin karshe mafaka, idan more kudi don samun babu inda. Fursunoni na wannan bashi:

• wata babbar yawan
• doka "shirin hana haske" na ma'amala
• idan ba za ka iya biya bashin, shi ne kusantar da za a binne shi a Khimki fox (ƙara)

Amma akwai kuma wani adadin abũbuwan amfãni:

• The bashi za a iya samu ta hanyar kowane
• Bayar da rance da sauri

2. Microfinance cibiyoyin (MFIs) - wani sabon abu ga Rasha kasuwar. Yana shige da wata doka №151-FZ "A Microfinance da Microfinance kungiyoyin" 8 Yuni, 2010 ta jihar Duma na Rasha Federation. The main manufofin na Microfinance cibiyoyin suna "don samar da kananan kamfanoni da mutane da suka yi iyakance damar zuwa gargajiya da sabis na bankin, kudi da kuma ci gaba da ayyuka, tsara daga ra'ayi na daidaituwar tattalin arziki sakamako a kan smoothing na zamantakewa rashin daidaito a cikin al'umma, kamfanoni ci gaba, inganta rayuwar, arziki na aiki. "

Daga sama sakin layi a fili yake cewa Microfinance cibiyoyin - majalisu bunqasar na madadin banki. Babban disadvantages na MFIs:

• Loan adadin ba zai iya zama fiye da miliyan 1. Rubles
• kashi sama da banki
• Ba duk MFIs ne m

Ribobi MFI:

• MFI kayyade ta FSFM, watau rabo na bashi da masu ba da bashi ne jiha-sarrafawa
• da kashi ne da yawa m fiye da na moneylenders
• doka "gaskiya" da "tsarki" da fatauci
• samun rancen da MFI ne sauƙin fiye a cikin banki. MFIs ne yafi aminci ga sharudda ga kimantawa bashi da rance aikace-aikace suna dauke sosai da sauri

Gargadi! Ba dukkan kungiyoyin da suka gabatar da kansu a matsayin MFIs ne. Kafin juya zuwa ga MFIs shawara gano ko yana a cikin littãfi na FFMS. Tarayya kudi kasuwanni Service Registry ne a fili akwai kuma shine link: http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Kamar yadda MFIs har yanzu sun fi mayar da ba a sani ba, prvide a kananan jerin, wanda za a iya isa ga:

1. "Loans zuwa paycheck" - a matsayin aro har zuwa 50 000 rubles. Interest a kan su ne manya-manyan, amma da sauki a samu da kuma sauki dawo. A ganina, mafi m yanayi a cikin wadannan kamfanoni:

a) Domestic kudi - m cewa kamfanin ta manajoji bauta wa abokan ciniki a gida, kada je ko'ina.

b) Mini Money (aiki a Moscow da kuma St. Petersburg) - mafi "dace" ban sha'awa.

2. Manjo rance - rance daga 50 000 da kuma sama. Yawanci, da yawan su kusa da banki, amma yanayi ne kasa m fiye da a "rance zuwa paycheck." A kan irin wannan rance, mafi dadi na jũna a yi aiki tare da wadannan kamfanoni:

a) A AEC Group Kamfanoni (aiki kawai a Moscow da kuma Moscow yankin) - mai kyau kamfanin da suna mai kyau. The kawai korau - za ka iya kawai samun bashi mota aro. Yanar: http://aecgroup.ru/

b) Finotdel - rance ne kawai don kasuwanci ba, amma za a iya samu ba tare da jingina.

3. Credit m (CCP) - rashin alheri, Na ba su saba da ƙayyadaddu na PDA kasuwar, saboda haka ba su so su rubuta a nan ba a tantance ba bayani. Ba da da ewa zan bayyana a cikin mafi daki-daki da batun da kuma rubuta game da CCP raba labarin.

4. Lombard

Good tsohon pawnshop da aka sani ga duk, don haka ba zan tafi cikin cikakken bayani. A pawn shagon, zaka iya samun wani adadin kudi, amma dole bar dũkiyõyinsu. Don saya mayar da dukiya, zai biya quite a high yawan.

Good luck kuma sai anjima!