Kubweza wogula: ndemanga, amene anathandiza, ntchito ndi mbali

Zingatanthauze kuti m'pofunika kupeza ngongole? Pezani pulogalamu yabwino ya gombe, sonkhanitsani zikalata zofunika - ndipo kuti ndalama ndi kale mu thumba lanu. Koma zoona zake n'zakuti zinthu siziri mophweka. Nthawi zambiri anthu amene aona kulengeza za pulogalamu makamaka ngongole, anakumana ndi chakuti kwenikweni zikhalidwe zosiyana, ndi zina zoterozo zikusiyana ndi wapezeka pa siteji ya zikalata kusaina kuti umbuli za intricacies onse kasitomala sangathe kuyang'ana podmahnut ndondomeko. Kuti tichepetse kutenga zolakwa ya makasitomala ndi kuwunika kukhulupirika gombe, ndipo pali kubweza wogula. Mlendo amene anathandiza, amene anathandiza kuti akatswiri amenewa - zonse zimene angapezeke kenako mu ndemanga iyi. Tsopano kuyesetsa kumvetsa akamanena za ntchito imeneyi.

ndi ndani?

Mwachidule, ndi kubweza wogula - mkhalapakati pakati pa gombe ndi kasitomala angathe. ntchito yake ndi ofanana ndi Ogulitsa ndi Kutsatsa Nyumba anachita: wogula amaona zabwino pulogalamu makamaka kasitomala, pamene ali zokhudza njira zonse zotheka ndi angafotokozere kasitomala kusiyana pakati pa iwo, ndiye wogula amathandiza kusonkhanitsa zikalata zonse zofunikira komanso pa siteji yotsiriza ya ntchito ake kale amaona kuti banki anali kukhulupilila poyerekezera ndi kasitomala.

Ndithudi, zonse izi zikhoza kutheka paokha, popanda yokhudza katswiri lachitatu chipani. Koma kwa gawo lalikulu zabwino amatenga ndemanga kubweza wogula. Kuthandiza akatswiri amenewa, iwo kale kumvetsetsa mmene magawowa nawo gulu lachitatu la ubale wawo ndi banki.

Kodi kuchita?

Dziwani kuti osintha leni kubweza amene kuthandiza kusonkhanitsa ndemanga za iwo okha kwambiri, motero kulimbikitsa ntchito yawo. The wogula angathe kukhala zothandiza osati pa kufufuza za pulogalamu yabwino kwambiri ngongole, komanso pamaso pa ngongole alipo: katswiri angakuuzeni ngati n'zotheka kusintha kukula kwa ndalama, zochita zawo ndiponso ngati pali mfundo options amene angathandize wobwereka kulipira ngongole yake kuti zomvetsa kochepa kwa bajeti yake. Ndiko, kutembenukira kwa ngongole osinthitsa si mochedwa: Ngakhale ngati inu kale oyenera pulogalamu ngongole inu, ndi bwino mukulimbana ndi kukaonana ndi katswiri, chirichonse chiri yosalala ngati mukuganiza.

mbuna

Koma mu ntchito iliyonse pali anthu akulimbikira kuneneza ake. Ndinali nazonso, ndi ntchito ya "kubweza wogula". Mlendo, amene anathandiza thandizo - zonse zimene zikhoza kuoneka chivundikiro kwa upandu katswiri. Mwachitsanzo, wobwereka akhoza kudalira ngongole chifukwa cha mlingo wochepa wa ndalama zawo, kapena ayi zabwino ngongole mbiri, mu Zikatero, "wakuda" wogula kumathandiza kuti kubisa zina zabwino zonse osafunika wa mbiri makasitomala, n'kudziŵa tricking mabanki.

Anapeza zinthu zosiyana: ndi wogula, ndi mgwirizano ndi bungwe makamaka banki amapereka makasitomala ake chimodzimodzi kumeneko, ngakhale mabanki ena bwino kwambiri mawu ngongole. Iwo ayenera kuganizira kawiri patsogolo ntchito kwa wogula amene ali wofunitsitsa kuchita ntchito zawo pafupifupi kwaulere - izi ndi zimene mwina chizindikiro kuti katswiri si zomveka ngati iye akufuna kuti ngati.

Kodi kusankha? Zachokera ndemanga

Choncho kodi inu kusankha bwino kubweza wogula? Mlendo amene athandiza kale, malo, malonda - mmene mfundo iti pamoyo mungasankhe? Zonsezi pamwambapa! Tsopano ambiri zochokera mayankho ochokera makasitomala yapita, kuganizira pafupifupi choonadi mtheradi. Inde, muyenera ndithudi kupeza zomwe anthu ena amaganiza za wogula makamaka, koma kukhulupirira zonse zolembedwamo, makamaka pa webusaiti boma cha olimba ziwongola dzanja zaogulitsa, si koyenera. Kusiya maganizo abwino ndipo ali okha ogwira ntchito mu ofesi, ndi boma pogwiritsa ntchito mayina osiyanasiyana, yemweyo mayankho oterewa zichotsedwa. Choncho, kusankha kampani kwa ndemanga, onani kuti iye kulemba kalembedwe chatha anali osiyana (sangathe chifukwa anthu onse ntchito amachita chimodzimodzi ndi zolowa), kuwonjezera, pamodzi ndi maganizo a makasitomala kukhuta, ayenera kupezeka, ndipo amene ntchito ya akatswiri anali anthu kapena mavuto ena.

Komanso akuyang'ana malo ofesi

Koma malo a udindo, muyenera kuulabadira "kuthetsedwa." The kampani, limene kale ntchito ndi makasitomala, ndithu kukhala landline nambala ya foni ku ofesi ya adzamvera nthaka - anthu onse chomwecho pa nthawi atengere kuntchito zawo pansi yokha. mwapadera ziperekedwe kwa nyumba zambiri, amene ayenera za bungwe la mudziwe kuti chiphatso, ndandanda wa ntchito, kupezeka zofunika manambala a foni ndi buku madandaulo ndi maganizo.

Ndipo kulabadira malonda

Ndi malonda ayenera kusamala kwambiri: chodziwikiratu malonda amene amasindikizidwa pa chosindikizira wakuda ndi woyera ndi glued kuti posts mwini kwenikweni odalirika ziwongola dzanja zaogulitsa olimba. Palibe sangapatsidwe, ndi malonda amene amalonjeza kuthandiza mu ngongole ndikupeleka pa zinthu zabwino kwambiri yekha 'mkati mwa sabata' kapena ena malonda malire nthawi. Kawirikawiri osinthitsa oipa ndendende amakopa anthu m'chimbulimbuli, ndiye kuti tithawe ndi ndalama zawo. Choncho, posankha wogula, onani zonse: a mbiri akudya kubweza wogula (ndemanga, amene anathandiza) chifukwa cha ntchito yake (ngati makasitomala akukhutitsidwa), malo ofesi ndi malonda ake. Komanso Chigamulo yomaliza, mukhoza kulankhula ndi "Association National ngongole osinthitsa ndi alangizi ndalama", umene anthu okhawo makampani amene samangokhala nacho chilolezo, komanso kupereka ntchito apamwamba.

Kubweza wogula mu Moscow

Kodi kupeza zofunika zonse: komwe katswiri amenewa, ngati zabwino kubweza wogula, kwenikweni, amene anathandiza? Moscow - mzinda kuti tingapeze mayankho omveka kwambiri mafunso onsewa. Choncho, zabwino ziwongola dzanja zaogulitsa nyumba ya likulu amaonedwa "Kreditmart" ndi "labwino kufunsira."

"Kreditmart" ndi nthambi ili mu mzinda, si mabanki, komanso ndi inshuwalansi ndi ndalama mabungwe - mwachitsanzo katswiri malangizo zotheka zambiri. kampani limapereka mapulogalamu oposa mazana asanu umalimbana pothetsa mavuto azachuma makasitomala - mapulogalamu kubweza, ngongole ndi ntchito zina kubanki. Komabe, ena makasitomala kuti kampani kwambiri overestimates mtengo wa mautumiki awo, ndipo amafuna kupereka pafupifupi mapazi ntchito kukongoza.

Pakati ovomerezedwa ndi Association National ngongole osinthitsa ndi alangizi ndalama, pali "labwino kufunsira", komwe akatswiri ntchito osati munda wa uphungu, komanso chinkhoswe mu mwalamulo la mmene kukumana ndi kasitomu, komanso thandizo ku mayang'aniridwe abizinesi. Umembala wa kampani AKBR (mosonyeza otchedwa chidule amene kale) natsimikiza Luso ake ndi zoona. Ndiponso ntchito zake zosiyanasiyana zimathandiza kuti yocheza makasitomala.

ntchito ngongole wogula ku St. Petersburg

"Fosborn Home" - ichi ndi wamkulu St. Petersburg ngongole wogula. Mlendo, amene anathandiza monga chinawathandiza, kodi zotsatira za ntchito - mafunso onsewa kukhuta makasitomala kukumana nkhani zawo zokha akutsimikiza mbiri yabwino ya kampani imeneyi. Kuchuluka kwa ntchito "Fosborn Home" - uphungu ngongole malonda ndi anthu, uphungu kubweza, ndi thandizo ndi malo (monga kusankha malawi ambiri abwino, ndi thandizo mu kugulitsa iwo). Network alipo mu msika pa zaka khumi, ali nthambi m'mizinda yambiri ya dziko.

Kuipa alowererepo wogula

Tsopano ife kale maganizo amene osintha kubweza, kaya amanena kuti onsewa - ndicho funso lotsatira. Wa minuses ntchito m'khalapakati angatchedwe ntchito (zambiri zokhudza 2% ya ndikupeleka ndalama, ngakhale zina, wogula kuitanitsa ndi 20%, mu nkhani iyi, osalephera, opaleshoniyo zogwirizana ndi upandu), ndi koposa muyeso, monga ena , alangizi scrupulous amene kuyesera kuwasonkhanitsa mudziwe zambiri za kasitomala wanu.

Poteteza amkhalapakati a tinganene kuti iwo ali ndi kusamala kwambiri, lodziwa chilichonse kuti mwina bwanji ngongole kapena kubweza.

Ndikwabwino?

Ndipo kodi ndemanga ya ngongole wogula? Kodi zofunika wotuluka? Akatswiri ena amanena kuti pamene kuli osinthitsa, ntchito yawo wasintha kwambiri: anthu pachiyambi anatembenukira kwa iye chifukwa si anali mphamvu zokwanira kudziletsa odziwa ntchito kubanki. Lero, makasitomala zambiri akafuna kupulumutsa nthawi yanu - ndicho chifukwa iwo mlandu kulembetsa wa mapepala zonse zofunikira ku gulu lina.

Kumene, ngakhale kudalira zochitika awo banki katswiri wa bizinesi, muyenera kuganiza pang'ono Kuyamikira amene ali wa chidwi kwa inu: ntchito makasitomala osadziwa, oipa kubweza wogula mosavuta kupereka si njira yabwino. Plus, ngati kuti kupereka mlangizi, adzakhala zosayenera kwa inu kuchita izi, kulipira adakali ndi utumiki. Inde, ngati mukufuna amathera khama, muyenera kubweza amkhalapakati. Ndikwabwino kuti angawapeze thandizo - kusankha.

Kodi anthu akuganiza?

kubweza wogula amatenga ndemanga kwambiri maganizo za ntchito yake. Ena amakhulupirira kuti ndi okhawo ndi kulanda ndalama, iwo amati, ndi alangizi ndi chiyani sizili ndi zinthu zonse zotchulidwa mu mgwirizano ndi borrowers, ndipo mautumiki awo kuti aphwasule ndalama zambiri, sanawakhulupirire kasitomala mabungwe a zachuma opereka ngongole pa mitengo wokwera.

Ena amanena kuti akatswiri woyenera kuwathandiza kupeza ngongole ngakhale ndi wabwino kwambiri ngongole mbiri, ndipo ndithudi anathandiza kupeza njira yabwino ngongoleyo. Kodi anthu ambiri, malingaliro ambiri - aliyense akudziwa izo. Koma kulabadira mayankho ochokera makasitomala poyamba pamene posankha wogula, monga tatchulazi, ndi zofunika.

Pomaliza

Tsopano ife tikudziwa amene ngongole amagulitsa ndikugula. Opinion za kufunika kwa iwo mu ntchito akubwereketsa angachite yekha. Kumene, mwa akatswiri palinso charlatans, amene ali ndi mgwirizano ndi mabanki ndi makasitomala basi apo, osati kusamala za zofuna za wobwereka, pali anthu amene kuthandiza kukonza yamawangamawanga onse yamdima m'mbiri ya ngongole. Kuti zikukambidwa, pali anthu ena amene ali mwachinyengo ntchito iliyonse. Komabe, anthu ambiri amavomereza mfundo yakuti malangizo a osintha, thandizo awo pokonza mapepala zonse zofunikira ndi kuyan'anila ndondomeko ngongole mosavuta kuposa zosasangalatsa zovuta ntchito kubanki. Inde, zonse zikhoza kuchitidwa paokha, koma ndi bwino kupatsa akatswiri ena malonda.