Ka papa haʻawina i ka pali, laweʻae'ē

Ka ino kuai kala, a ka papa haʻawina i ka pali, laweʻae'ē?

Nō kāu, he hoaie i loko o ke kapa mea i mau ai na mea a me ka oluolu, e like me ka hoʻolaha. Na keakea he nui a me ka poe a pau o ko lakou ike:

• ka ka manaʻo pohihihi o ka manao - kekahi manawa he wahi lihi iki o ka hoʻouna i nā ninau koi 'ia e ohi i ka aie aaioee i ka lōʻihi loa manawa
• koi maopopo o ka makahiki kona - ina e huli e holo mai ana i ke kula kaʻa'ōhua Keaukaha, i kekahi mea e pili ana i ka puʻu e kū pono e hoaie hiki ke hoopoina. kapa pono kūhelu e hooiaio ai o ka makahiki, a hiki i, ole a pau
• mau kapa a pau i ole e ae ana e hana me "risky" nā mea mālama mai - ina oe i kekahi kanaka entrepreneur paha i kekahi ke kākoʻo '-nona no ka hana, i ka pali, hele' oe i loko o ka oo? o ke kamepiula, a kiʻi i ka hoaie mea aneane hiki ole i
• makahiki kapu - kapu ma luna o kona mau makahiki i ka loa nui pilikia. No kekahi laʻana, ina oe e ma lalo o 23 makahiki o ka makahiki a 'oi ma mua o 65, alaila oe e olelo lealea e e hiki ke kiʻi i ka hoaie
• lōʻihi olelo hooholo - kekahi manawa, o ka oi aku ka wā nui kupono, i ka olelo hooholo, e haawi aku i ka aie, kapa lawe i ka lōʻihi loa manawa. no laila, e hele i ka pali, i ka wa a ke kālā e pono ai "i nehinei" - Ua risky. oe i ke hōʻole, a me ka manawa i mua, ua pau keia la.
• ka heluʻaiʻana - i ka wa a ka pali, hoʻomaka e "lapaʻau" o ka hou Customer, aia no he "ʻeleʻele pahu" (ka heluʻaiʻana'ōnaehana), a hoakaka he auoiaea hooholo (rejection / apono ia). No ka laʻana, he nui ka heluʻaiʻana nenoai i hale kelepona - i ke kumu no ka hoole ana (eia nae na mea he nui o lakou wale mai i ke hoʻohana), a ina oe e ka weuweu uku i ka aie no ka lawe lima kelepona, accidentally underpaid 20 rubles, ka ka heluʻaiʻana mīkini, e hoopuka aku i kekahi rejection! Ma hope o nā mea a pau, oe i ka "io" aie mōʻaukala ...

Ka mea, ua maopopo ia,ʻaʻole mea hiki fruitfully kōkua 'ana me na kapa. Ma keia manao, ka mea, ua a ianoiyuaa a 'Imi ulu laweʻae'ē market altrenativnogo pali.

Where e hele ai? I kekahi koho e kapa laweʻae'ē

He aha e ka papa haʻawina i kapa, a pehea e ka mea oko?

1. ke Kula Uku loan - e hele i kekahi a paena, e komo i loko o ka huli 'ana no ka "kekahi loan" a oe e ike i kekahi wahi lihi iki o ka hoʻolaha pāʻoihana - Dame hāʻawi'ai'ē aku i ke kālā i uku kuala. Mau mea na loan mai moneylenders. Hoʻohuli iā ia wale nō me ka hope e akoakoa ai, ina nui ke kālā e kiʻi wahi. Con o keia aie.

• he nui pakeneka
• loio i "opacity" o ka hana
• ina e hiki ole ke uku aku i ka aie, ia mea paha ia e kanuʻia i loko o ka Khimki alopeke (exaggerate)

Akā, he mea no hoi he nui o ka pono:

• Ke ai hiki ke loaa mai ia e kela a me keia
• Hoopukaia aie koke

2. Microfinance kulanui (MFIs) - he His no ka mea Lūkini kuai. Ua hala he kānāwai №151-FZ "Ma microfinance a me ka microfinance i ka hoʻolālā" June 8, 2010 ma ka State Duma o ka Russian Hui. I ka papa kuhikuhiE Nä Pahuhopu o ka microfinance kulanui i "e hoomakaukau pāʻoihana ka poe liilii, a me kanaka, ka poe i kaupalena 'ke kōkua o ke ku una hui panakō lawelawe, kālā a me ka hoʻokō i ko lākou lawelawe, papahana mai ka wahi o ka Hawaii o ka nunui-oicyenoaaiiie ia ma luna o ka smoothing o ka lawelawe like ole i loko o ka hui, kekahi hana kūpono' ana, ka hoʻomaikaʻi ola hae, hoʻolako 'ia' o ka hana. "

Mai ka luna paukū ka mea, ua ike ia microfinance kulanui - Kau ka hoʻohuiʻana o kekahi koho kapa. I ka papa kuhikuhiE keakea o MFIs:

• Loan dala hiki ole e oi aku 1 miliona. Rubles
• pakeneka ma luna o ka pali,
• 'Aʻole i pau MFIs i ike loea

Pros MFI:

• MFI hooponopono ma ka FSFM, oa lākiō o nā mea hāʻawi a me ka mea noi i moku'āina-noho mana ana
• ka pakeneka ka nui haʻahaʻa ma mua ia o ka moneylenders
• loio i "mäliko" a me ka "aku" o ka hana
• kiʻi i ka hoaie me ka MFI ka nui maʻalahi ma mua i loko o ka pali. MFIs ua ikaika nui ae kupaʻa i nā ana hoʻohālike no ke kālailaiʻana mea hāʻawi a me ka aie noi i manaoia loa e hookeai

Aʻo! 'Aʻole i pau aʻe ka hoʻonohonoho i haawi aku ai ia lakou iho me MFIs nei. Ma mua o haliu ae la i na MFIs kūkā iho loaʻa mai paha ia mea i loko o ka? Aaeno? O na FFMS. Federal kālā wahi kanaka Service Kakau mea akea i loaʻa a me ka mea o ka loulou. Http://www.fcsm.ru/ru/contributors/microfinance_org/state_register_microfinance_org/

Like MFIs mea nō pili kēia ike ole ia, prvide he uuku papa inoa, i hiki ke lolouila:

1. "Loan e paycheck" - he e hoaie aku i ke 50 000 rubles. Ka ukupanee ma luna o ia mea nui loa, akā, oluolu e kiʻi a me ka oluolu, e hoʻi. Ma koʻu manao, o ka loa hooluolu rula ma ka kēia poʻe:

kekahi) wahi lulu kala - pono i ka poʻe o nā man- akia mālama nā mea mālama mai ma ka hale, mai hele anywhere.

b) Mini Dala (hana ma Moscow a me St. Petersburg) - ka loa "kūpono" hoihoi.

2. Major loan - loan mai ka 50 000 a ma luna. Nō kāu, o ka pakeneka o ia pili i ke kapa, akā, na rula i emi kupaʻa ma mua i loko o "loan i paycheck." Ma na loan, ka loa hoʻomaha au mea e hana ai me ka kēia poʻe:

he) Na AEC Group Companies (ka hana wale nō i loko o Moscow, a Moscow māhele) - He lehulehu loa ka maikai me ka mahaloia e maikai. Na wale hopena maikaʻi '-' oe hiki wale kiʻi aie kaʻa aie. Website: http://aecgroup.ru/

b) Finotdel - loan wale i ka hana, akā, hiki ke loaa ole collateral.

3. aie Free (CCP) - Eia naʻe, au ua i kama'āina i ka i Kekahi Mau 'o ka PDA market, no laila mai i makemake e kākau iʻaneʻi unverified ike. Soon au e hele ana au e möakäka hou i oi au mamuli o ka mea hilo, a kākau e pili ana i ka CCP kaʻawale 'atikala.

4. Lombard

Maikai kahiko pawnshop ua ike i na mea a pau, no laila au e hele aku,ʻaʻole i loko o nā kikoʻi. Ke pawn shop, e hiki eaaei kiʻi i kekahi dala o ke dala, akā, i, e haʻalele i ko lakou waiwai. E kūʻai hoʻi i ka waiwai, e i ka uku o kona kulana he kiʻekiʻe pakeneka.

Pōmaikaʻi, a ike oe koke!