Mokhoa oa ho fumana mokoloto o moholo ka 2022

Ho nka mokitlane o moholo, ka mokhoa o tlamang khoebong, ha ho thata hakaalo. Ntho e ka sehloohong ke hore motho ea alimang o lokela ho ba le ntho e 'ngoe le e' ngoe ka tatellano ka chelete, tšireletso ea mokoloto le histori ea mokitlane. Libanka le mekhatlo e meng ea lichelete li ikemiselitse ho alima baahi ka 2022, hobane li etsa chelete e ntle ho tsoala eo moreki a e lefang ho feta tekano. Re tla u joetsa hore na ke litefiso life tsa kalimo tse amohetsoeng Naheng ea Rona, litlhoko tsa mantlha tsa ba alimang le mehloli eo u ka fumanang chelete ho eona. Re phatlalatsa litaelo tsa ho fumana mokoloto o moholo.

Maemo a ho fumana kalimo e kholo

Litaelo tsa mohato ka mohato tsa ho fumana mokoloto o moholo

1. Sekaseka lintlha tsa hau tsa mokoloto

Motho ea alimang chelete o tla etsa sena bakeng sa moreki, empa hape o batla ho tseba hore na ho na le monyetla oa ho itšetleha ka mokoloto o moholo? Lintlha tsa motho ea alimang ke boitsebiso bo bulehileng 'me bohle ba ka tseba ka eena mahala habeli ka selemo. Lintlha li ipapisitse le nalane ea mokoloto. Tlaleho ea lichelete e mabapi le motho e mong le e mong ea nkileng chelete ho tsoa mekhatlong ea mekoloto bonyane hang naheng ea Rona lilemong tsa morao tjena e bolokoa ke liofisi tsa nalane ea mekoloto (BKI).

Ho na le li-BCI tse kholo tse robeli Naheng ea Rōna (lenane le hlahang websaeteng ea Banka e Khōlō). Ho fumana hore na nalane ea hau ea mokoloto e bolokiloe hokae, e ea ho portal ea State Services. Karolong ea "Taxes and finances" ho na le karoloana "Information about credit bureaus". Fumana lits'ebeletso tsa elektroniki mme ka nako ea letsatsi (hangata ka lihora tse 'maloa), karabo e tla tla akhaonteng ea hau ea portal.

Fumana lethathamo la mabitso le liaterese tsa webo tsa BKI. E-ea, ngolisa (o ka netefatsa ka Litšebeletso tsa Naha) 'me u bone lintlha tsa hau tsa mokitlane. Ke mahala ebile ha e na moeli ho palo ea likopo. 

Ka 2022, Naha ea Rona e ile ea amohela tekanyo e le 'ngoe ho tloha ho 1 ho isa ho lintlha tse 999. Empa BKI e toloka lintlha ka tsela ea tsona. Mohlala, ofisi ea NBKI e na le lintlha tse holimo ho tloha ho 594 ho isa ho 903, ha Equifax e na le lintlha ho tloha ho 809 ho isa ho 896.

We publish a table with the arithmetic mean scores for bureaus.

Lintlha ha se tiisetso ea 100% ea tumello kapa ho hana. Banka e tla e sebelisa (ha ho hlokahale hore u bontše sephetho sa hau, setsi ka boeona se tla romela kopo ho CBI), empa se tla boela se sebelise lisebelisoa tsa sona tsa ho fumana lintlha - litlhahlobo tsa motho ea alimang.

Lintlha li angoa ke:

• boima ba likoloto (hore na u kolota bokae libanka tse ling);
• nalane ea mokoloto le litefo tsa nako e fetileng tsa lilemo tse supileng tse fetileng;
• melato e rekisetsoang babokelli;
• pokello ea likoloto ka lekhotla (litšebeletso tsa matlo le tsa sechaba, alimony, matšeliso bakeng sa tšenyo).

A re etse setšoantšo sa motho ea nang le tekanyo e nepahetseng: lilemong tse supileng tse fetileng, o ile a nka likoloto tse 3-5 'me a li koala, a lefa ntho e' ngoe le e 'ngoe ka nako, ntle le tieho, empa ha aa ka a lefa pele ho nako, joale ha a na letho. melato kapa ho se be teng ho hang. Moalimi ea joalo a ka nka kalimo e kholo. Empa ho bohlokoa hape ho fihlela litlhoko tsa banka.

2. Fumana litlhoko tsa banka ho motho ea alimang

We have analyzed the offers of major banks and publish the “arithmetic mean” portrait of the ideal client.

• Ho feta lilemo tse 22.
• Moeli o kaholimo oa lilemo ke lilemo tse 65-70 qetellong ea nako ea mokoloto.
• Citizen of the Federation, there is a registration (propiska).
• O hiriloe ka molao k'hamphaning e kholo ho feta likhoeli tse 6.
• O na le boiphihlelo ba mosebetsi oa selemo se le seng.
• Boemo bo botle (mookameli).
• Chelete e phahameng (tefo ea khoeli le khoeli ha e fete 50% ea moputso).
• Ka nalane ea mokoloto (pele o ile a nka likalimo mme a li koala ka katleho).
• Moreki oa banka ea moputso.

3. Sebelisa

Tumello ea mokoloto e nka nako e ka tlase ho hora ho 2022. Mothating ona, o fana ka lipotso tse khutšoanyane ho banka (ka marang-rang, ka mohala kapa ka seqo), phatlalatsa chelete e lakatsehang 'me u fumane karabo. Chelete e ka amoheloa ka tlase ho moo ho hlokahalang. Ka tlase ke litsela tsa ho fumana ho eketsehileng.

Haeba u shebile lintlha tsa hau tsa mokoloto le nalane 'me u bona hore u na le matšoao a karolelano, ho bile le tieho, joale u se ke ua beha kotsing ea ho romelloa ha likopo tse ngata libankeng hajoale. Likopo tsohle tsa hau tsa chelete li tlalehiloe ho BKI. Banks e tla nahana ntho e kang ena: "Moreki enoa o kopa chelete hangata a belaela, empa ho thoe'ng haeba a batla ho nka likalimo tse ngata ka nako e le 'ngoe, na o tla khona ho li lefa?"

Ka hona, ho molemo ho khetha banka e le 'ngoe kapa tse peli tse tšepahalang haholo ho uena. Moo u neng u e-na le karete ea mokoloto, depositi, kapa u moreki ea lefang chelete. Emela karabo ea bona pele 'me haeba a ne a sa lumellane le uena, joale romela likopo ho ba bang.

4. Bokella litokomane

Pele ho tumello ea ho qetela ea mokoloto, o tla hloka ho romella sete ea litokomane bankeng. U ke ke ua fumana kalimo e kholo ka pasepoto e le 'ngoe feela.

Litokomane tsa motheo. The original passport of the Federation in the first place. When considering an application for a large amount, the lender will probably ask for a second document – SNILS, passport, driver’s license.

Litokomane tsa lichelete. The most loyal to those who provide a 2-NDFL certificate of income from work. You can ask for it in the accounting department or download it in your personal account on the website of the tax service – the Federal Tax Service of the Federation. But banks often agree to an income statement in the form of a bank or an account statement in your name.

Tse ling. They will ask you to confirm employment and work experience with an extract from the pension fund – the Pension Fund of the Federation. It can be obtained online through the State Services, as well as attach copies of the pages of the work book.

5. Emela tumello 'me u fumane kalimo

Qeto ea ho fana ka likalimo tse kholo, libanka li nka nako e telele ho feta likalimo tse tloaelehileng. Tumello e amoheloa ke basebetsi le mafapha a 'maloa. Leha ho le joalo, hona joale Naheng ea Rona, lits'ebeletso tsa banka li shebane le bareki, kahoo setsi sa lichelete se ke ke sa lieha ho araba. Ka mor'a ho fana ka litokomane, tumello hangata e tla ka letsatsi le le leng ho isa ho a mararo.

6. SemiчFumana chelete 'me u itokisetse tefo ea pele

Banka e tla fetisetsa chelete ho akhaonto ea hau, ho tloha moo ho tla khoneha ho e fetisetsa kareteng. Hape hoa khoneha ho laela ho ntša chelete lekaleng. Kapa esita le thomello ka pokello lapeng la hau, ofising. Se ke oa lebala ho hlakisa hore na tefo ea pele ea mokoloto e tsoa neng ho latela kemiso. Ho ka etsahala hore ebe e se e le khoeling ena.

Moo u ka fumanang kalimo e kholo

1. Banka

Mohloli oa khale oa ho nka kalimo e kholo. Mekhatlo ea lichelete e beha litlhoko le maemo a fapaneng bakeng sa kalimo. Libanka tse kholo li sheba ka tieo bakopi. Ba banyenyane ba ka fana ka liphesente tse phahameng, empa ba lumella kalimo.

2. Lebenkele la pawn

The pawnshop e amohela mabenyane a khauta, likoloi, lioache kapa thepa ea bohlokoa e le tebeletso. Ha ba khone ho nka lifolete. Chelete e baloa ho latela theko ea lihlahisoa. Ka lebaka leo, e le hore u ka fuoa li-ruble tse 1, u lokela ho fana ka chelete e ngata ea khauta kapa lintho tse ling tsa bohlokoa. Ho feta moo, ha se li-pawnshop tsohle tse sebetsang ka mabenyane a theko e boima.

3. Likoporasi

Lebitso le felletseng ke mekoloto ea bareki ba likoporasi (CPC). Karolo ea mosebetsi ke litefiso tsa litho, tse lefshoang ho phaella ho tsoala. Ka kopo elelloa hore maemong a mang, leha o ka khutlisa kapele, o tla tlameha ho lefa litefiso tsa setho nakong eohle ea kalimo. Menehelo e joalo e ho kemiso ea tefo kapa e boletsoeng litokomaneng tsa molao tsa koporasi. Haeba u nkile kalimo ka nako ea lilemo tse hlano, empa u e khutlisa ka mor'a selemo le halofo, joale tsoala e tla baloa hape bakeng sa hau, 'me litefiso tsa botho li tla tlameha ho lefuoa bakeng sa likhoeli tse 60. 

4. Batseteli

U ka alima chelete hape ka tsoala ho batho ka bomong. Ntho e ka sehloohong ke ho lumellana le mofani oa chelete ka lipehelo le ho li ngola. Hopola hore ho thibetsoe hore batseteli ba ikemetseng ba nke lifolete ho batho ka bomong e le tebeletso - mofuta ona oa ts'ireletso ke oa bo-rakhoebo kapa li-LLC.

Hantle-ntle ho ke ke ha fana ka mokoloto o moholo

Mekhatlo ea li-Microcredit (aka "chelete e potlakileng", "mekoloto ea letsatsi la ho lefa", MFIs) hangata e na le moeli ho latela boholo ba litšenyehelo tsohle tsa mokitlane (TCP). Ka mohlala, MFI e ke ke ea fana ka li-ruble tse fetang 30 ho motho ea alimang.

Ke bokae bo ka fanoang

- Chelete e phahameng ea chelete e amohetsoeng e itšetlehile, pele ho tsohle, ka mofuta oa ho alima. Haeba re bua ka ho fana ka chelete e sirelelitsoeng ke thepa, mohlala, folete kapa koloi, joale chelete e ngata e tla baloa ho tloha boleng ba thepa. Likoloto tse sirelelitsoeng hangata li fanoa ke libanka tse nyane, har'a bareki bao ho se nang phallo e sa feleng ea ba alimang ba nang le chelete e ngata ea semmuso, - ho bolela setsebi sa lichelete, hlooho ea Sehlopha sa Thuso. Alexey Lashko.

Ka mokoloto o sirelelitsoeng, ba bangata ba bala palo e kholo joalo ka 40-60% ea boleng ba thepa. Empa 'maraka oa thekiso ea matlo o lula o fetoha, ke ka lebaka leo u ka qetellang u fumana ho tsoa bankeng eseng chelete eo u neng u e lebelletse. Libanka tse ling li fana ka chelete e ka bang li-ruble tse limilione tse 30 tse sirelelitsoeng ke thekiso ea matlo, mohlala, matlo. 

Ka kalimo e sirelelitsoeng, o boetse o hloka ho netefatsa lekeno la hau.

Ha ho se na tebeletso, boemo ba chelete, boima ba mokoloto le lintlha tse ling lia hlokomeloa.

- E 'ngoe ea lintlha tsa bohlokoa ke ho ba teng ha morero oa moputso o sebelisang akhaonto ea mokoloto le thepa ea litšenyehelo. Ka mohlala, haeba u sebelisa li-ruble tse ka bang likete tse 50 ho lireschorente khoeli le khoeli, joale mohlomong u tla amoheloa bakeng sa moeli o moholoanyane oa mokitlane ntle le tebeletso. Merero ea meputso e bapala matsohong a mofani, haholo-holo haeba e le mosebeletsi oa mokhatlo o moholo. Tabeng ena, o na le monyetla o mong le o mong oa ho amohela li-ruble tse ka bang 500 ntle le netefatso ea chelete le tebeletso, - oa eketsa. Alexey Lashko.

Ho nka kalimo e kholo, nalane ea mokoloto e bohlokoa haholo. Haeba u 'nile ua lumella tieho khafetsa ka nako e sa feteng matsatsi a 7, banka e tla e ngola e le likoahelo tsa tekheniki. Empa haeba u se u fetile matsatsi a 30 a khoebo selemong se fetileng kapa tse peli, ho ka etsahala hore u fuoe mofuta o sireletsehileng oa kalimo. Maemong ao ho nang le tieho e ngata nalaneng bakeng sa nako ea matsatsi a fetang 60 a ts'ebetso, kalimo e ka fumanoa feela khahlanong le ts'ireletso ea thepa. 

Ha o sa kgotsofalla tjhelete e dumelletsweng, o ka e eketsa. Sena se ka etsoa ka litsela tse latelang:

1. keketseho ea chelete. Lekeno la tlatsetso le fana ka maikutlo a ho kenya letsoho ha guarantor le ofisiri e tsitsitseng kapa chelete e kenang ea semmuso ts'ebetsong ea khoebo;
2. tebeletso ya thepa. Ka tebeletso e eketsehileng, chelete e tsoang ho mofani oa chelete e ka eketseha haholo.

Libanka li ka itšoara ka tsela e fapaneng: tse ling li ipehela maemo a tsona 'me li lebeletse hore mofani o tla li amohela ntle ho tumello. Ba bang ba tšepahala haholoanyane 'me ba buisana le motho ea alimang. Libanka tse joalo li ka ntlafatsa maemo bakeng sa libeke haeba butle-butle u eketsa tebeletso le li-guarantors tse ncha. Ka lebaka leo, u fumana maemo a lebeletsoeng, empa eseng ka potlako ho feta ka tumello ea chelete e "thata" ntle le tebeletso. 

- Ho buisana le banka ho ka khoneha feela maemong ao ha u le mofani ea ka sehloohong, 'me banka ka boeona e thahasella ho sebelisana le uena. Boemong bo joalo, o ka beha maemo a hau pele, 'me, mohlomong, basebetsi ba setsi sa lichelete ba tla ba amohela kapa ba fane ka mokhoa o mong oa boiketlo, lintlha tsa litsebi.

Chelete e phahameng ea kalimo e lekantsoe ke molao. Banka e Bohareng ea Naha ea Rōna e beha litšenyehelo tse phahameng ka ho fetisisa tsa mokitlane (TCC) bakeng sa mofuta o mong le o mong oa mokoloto. Litšenyehelo tsena li lokela ho kenyelletsa litšebeletso tsohle tse eketsehileng, ho kenyeletsoa inshorense le tse ling.

Letšoao le arotsoe ka lipehelo le lipalo. Litšenyehelo tse felletseng tsa kalimo li abetsoe mekhahlelo e latelang:

• kalimo e sireletsehileng;
• kalimo e sa sireletsehang;
• sekoloto sa ntlo;
• kalimo ea likoloi, joalo-joalo.

Banka e Bohareng e phatlalatsa tlhahisoleseding ea morao-rao karolong e khethehileng ea sebaka sa eona sa marang-rang. E nchafatsoa khafetsa - ho fihlela makhetlo a mahlano ka selemo.

Lipotso le likarabo tse tsebahalang

Lipotso li arajoa ke setsebi sa lichelete, hlooho ea Sehlopha sa Thuso sa Likhamphani Alexey Lashko.