Sibiza ama-microloans umugqa omncane kakhulu wezimali othuthukiswa ngaphansi kwezimo ezithile zezentengiselwano futhi ongatholwa yinoma iyiphi iphrofayili yomsebenzisi ukuthola ukwenziwa kwemali ezimweni ezithile. Kusuka kulesi simo esivamile, lesi sigaba semikhiqizo yezimali ezizimele siyasebenza babhekane nezindleko ezingalindelekile. Kusuka ku-invoyisi engalindelekile kunoma yimuphi umthwalo wentela ongavela nganoma yisiphi isikhathi. Futhi ngoba isicelo ebhange asigculiswanga noma ngoba asihlangabezani nezimfuno ekugcineni, okuwukuphela kwesixazululo esisele ukuya kulo mzila okhethekile wesikweletu.
Lapho ngisho namakhasimende ahlanganiswe kunoma yiluphi uhlu lwabakhokhayo anendawo. Ngisho ngaphandle kokufaka noma yiliphi iholo noma imali engenayo ejwayelekile. Uma lokho okubizwa ngama-microloans kuphawuleka ngokuthile, kungenxa yokuthi zivulekele noma ikuphi okufunwayo, kufaka phakathi okwakho ukube bekunjalo. Kunjalo kulula uku-oda futhi emizuzwini embalwa nje uzokwazi ukubheka ukuthi zikunikile ngempela yini. Vele, kuzo zonke izimo ngaphansi kwesidingo okungabizi kakhulu ngoba zikhawulelwe kumanani amancane emali.
Uma ufuna ukwenza inkontileka eyodwa yalezi mboleko ezincane, kufanele wazi ukuthi okwamanje kunezinhlobonhlobo zamapulatifomu ezezimali ahlinzeka ngezinsizakalo zawo ukwanelisa lesi sidingo kumakhasimende. Enye yezidingo ukuthi zenziwa ngokusemthethweni online. Okungukuthi, kusuka kwikhompyutha yakho noma enye idivaysi yezobuchwepheshe ukwenza lula nokwenza lula, kepha ukusebenza kakhulu. Ukuze esikhathini esifushane kunokujwayelekile ube nemali oyifunayo ku-akhawunti yakho yokuhlola. Ngale ndlela, ukufunwa kwama-microloans kwenziwa ngokusemthethweni.
AmaMicroloans: afinyelela kuma-euro angama-1.000 XNUMX
Vele, uma ufuna kuphela inani elikhulu lemali, kungcono uyeke ukuzama. Lapha ngeke uthole imali eningi nhlobo. Uma kungenjalo, kunalokho, kunikezwa kuphela amathiphu amancane okuphuza. Ngemvume ephezulu yokuthi iphakathi kwama-600 no-1.000 euros. Ukuze ngale ndlela ukwazi ukuxazulula inkinga encane ekuthengisweni kwakho nokuthuthukisa ezinye zezinhloso ezivezwe ngaphambilini kule ndatshana. Kunoma ikuphi, ukweqa lezi zimakethe zezimali kuzoba umsebenzi ongenakwenzeka.
Ngakolunye uhlangothi, lezi zinhlobo ezikhethekile zezintambo zesikweletu zinesikhathi eside kakhulu sokukhokha ngoba kuzodingeka ukuthi ulungise ukusebenza ezinyangeni ezimbalwa kakhulu. Kunoma ikuphi, uma ungahlangabezani nemibandela, kufanele wazi ukuthi izinhlawulo zifuna kakhulu ngoba zingakukhokhisa inzalo ekukhokheni sekwedlule isikhathi engaphezu kuka-20% futhi ngisho nangaphezulu kuziphakamiso ezihlukumeza kakhulu kubasebenzisi bale mikhiqizo. Kulesi simo, kufanele uqinisekise ukuthi ungabuyisa empeleni amanani abolekwe. Ngoba ungakhokha imali eningi kakhulu kunaleyo oyiqoqile ekuqaleni.
Inzalo engaphezulu kwama-20%
Esinye isici esifanelekile salokho okubizwa ngama-microloans ukuthi kuzo zonke izimo kuzodingeka uthathe inani lenzalo ephezulu kakhulu. Vele, ngaphezu kwezikweletu ezijwayelekile ezilungiselelwe izikhungo zezikweletu. Akumangalisi ukuthi imvume yayo inenzalo engaphezulu kwama-20% nokuthi kwezinye izimo ingasondela emazingeni angama-30%. Leli qiniso lithinta ngokubaluleka okukhethekile ku- izinga lesikweletu ingavuka ngendlela eyingozi. Leli phuzu kufanele lihlonishwe uma ungafuni ukuthola isimanga esibi kusukela ngesikhathi sokuqashwa kwakho.
Iqiniso elinqatshelwe kulesi sigaba semalimboleko ukuthi amapulatifomu ezezimali abawenzayo awabizi ngenzalo. Uma kungenjalo, ngokuphambene nalokho, igama lalo lelo elezimali ezikhokhelwayo futhi leyo iyindlela enelukuluku lokukukhohlisa ngesikhathi esiqondile sokwenza kwalo ngokusemthethweni. Yize lokhu kungafanele kube njalo ngoba kuningi okuthakaselwayo okuzoya kuwe ngalo mqondo obalulekile empilweni yesikweletu. Ngakolunye uhlangothi, lo mzila wesikweletu esikhuluma ngawo awubandakanyi alukho uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Njengoba kwenzeka manje ngemali mboleko yasebhange. Ngamakhomishini okuvula, isifundo sokusulwa kwangaphambi kwesikhathi noma enye into engafinyelela ku-2% maqondana nenani elifunwayo.
Izipesheli ezenza ukufuna kwakho kushibhile
Kodwa-ke, unelinye isu lokuhweba ukuze ekugcineni ifayili le- imali mboleko encane imahhala. Ungasenza kanjani lesi senzo esifiswa ngabasebenzisi? Yebo, ilula kakhulu ngokunikezwa nokukhushulwa kwabasebenzisi abasha. Lapho eyodwa yazo imelwe yiziphakamiso eziqeda noma yiliphi inani lenzalo ekufunweni kokuqala. Ungadideki ngoba kuvumeleke kuphela kwesinye isikhathi, esokuqala sazo. Ukukhokhisa kamuva imali ejwayelekile ekumaketheni kwalolu luhlu oluncane lwesikweletu.
Kungumsebenzi inhloso yawo enkulu ukuzama ukuheha amakhasimende amasha nokuzenza baziwe phakathi kwabo. Vele kungaba yisimo esihle kakhulu sezintshisekelo zakho nokuthi uzokwenzani isidingo esiphuthumayo ama-euro ambalwa ukukhokhela noma yisiphi isidingo esingavela nganoma yisiphi isikhathi. Kuyinto ethile amapulatifomu ezezimali aphethe ukusabalalisa la makhredithi amancane abekade ekwenza kaningi. Ngaphandle kwemibandela onayo ekuqashweni kwakho.
Kusuka kuzingxenyekazi zezezimali
Lezi zimali mboleko zimakethwa yizinkampani ezinikele kule niche yebhizinisi nokuthi ungakuthola ukushicilelwa kwakho kunoma iyiphi imidiya. Eziningi zazo sezivele zithandwa kakhulu phakathi kwabasebenzisi futhi zaze zafika ezingeni lokuthi ukwenza kwabo ngokusemthethweni kufomethi eku-inthanethi. Leli qiniso ekusebenzeni linezinzuzo ezithile zokuqashwa kwakho, phakathi kwezinye izizathu ngoba ungakwazi ukuhambisa isidingo ngokunethezeka ekhaya noma endaweni lapho ukhona ngalezo zikhathi. Ngenqubo elula ukuyiphothula futhi engathathi ngaphezu kwemizuzu embalwa.
Ngakolunye uhlangothi, ngaphakathi kwalesi simo, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi okuthiwa ama-microloan ahlinzeka ngezidingo ezingafuneki kangako, futhi ezingakusiza ngomnikelo we imibhalo yomuntu uqobo eyisisekelo kanye nesiqinisekiso se-akhawunti yokuhlola, ukufeza inhloso. Ukusuka kulesi sici, inqubo yakho ingathwalwa ngokubekezelela okuningi kusuka manje. Yize ucabanga ukuthi awunakuzikhethela ngaphandle kokwenza umzamo omkhulu wezezimali wokuphothula imisebenzi ngezinsuku zabo ezihambisanayo.
Ukuqasha ngefomethi eku-inthanethi
Uma-ke kufanele uthathe okuthile okuhlukile, kungenxa yokuthi ukwenziwa kwayo ku-inthanethi. Ukufika ezingeni lokuthi emizuzwini embalwa uzokwazi ukuthi ngabe bakunikeza lezi zimali ezincane. Lokhu kuphathwa okukhetheke kakhulu kusho ukuthi ukwehliswa kwawo kuhamba ngomzila oshesha kakhulu, kungabi ngaphezu kwezinsuku ezingama-30 noma ezingama-45, futhi ukungathobeli kwawo kuzodinga izinhlawulo ezinzima kubanikazi bawo. Ngokolunye uhlangothi, izinqubo zokuphatha bazoba ngaphansi kakhulu uma kuqhathaniswa nezinkokhelo zendabuko zesikweletu. Kusho ukuthini lokhu? Yebo, noma ngaphezulu noma ngaphansi kuzofanele unikele ngamaholo noma kumthombo weholo elijwayelekile. Ngisho neqiniso lokuthi usebenza enkampanini.
Yize imibandela yokuthola izinkontileka kule mikhiqizo ngezimali ezizimele ithambile, nokuthi ikhuthaza izinkontileka zabo, awukwazi ukuphumula ekufunweni kusukela manje kuqhubeke. Kuyiqiniso ukuthi ungafinyelela kuleli banga lamakhredithi noma ngabe ufakiwe kufayela le- uhlu lwabasebenza ngokungafanele. Isibonelo, i-RAI noma i-ASNER ethandwayo, phakathi kokunye okuhambisana kakhulu. Ngoba izimo zayo eziningi ezihlukumezayo zivela ekuphrintiwe kwayo okuhle. Futhi-ke, kuzodingeka ngokuphelele ukuthi uhlaziye inkontileka ukuze ungathathi ezinye izimanga ezingezinhle kusukela manje kuqhubeke.
Izinzuzo zokuqasha
Noma kunjalo, ingahlala ikusiza ukuphuma esimweni esinzima kakhulu. Njengemihlomulo yayo ikhona kwezinye zalezi zimo. Enye yazo kulapho kufanele ubhekane nenkokhelo yasebhange ngokuphuthuma okukhulu. Isibonelo, ukukhokha okweletwayo, ukuphela kwerisidi noma inkokhelo engabonwa ngaphambili ku-akhawunti yakho yangasese noma yomndeni.
- Futhi ziyasiza kakhulu lapho awukho esimweni sokufinyelela kumalimboleko asebhange. Kuze kufike ezingeni lokuthi uzokwazi ukukhetha noma yiliphi iwindi lesikweletu ukuhlangabezana nezidingo zakho eziseduze.
- Ukuxazulula izimangalo ezincane kakhulu lapho engeke ikunxephezele ukucela imali mboleko ebhange lakho elijwayelekile. Noma mhlawumbe abanalo umugqa wesikweletu walezi zici ezikhethekile.
- Lapho zikhiqizwa okunikezwayo noma ukukhushulwa lokho kunciphisa kakhulu inzalo oyodingeka uyikhokhele lezi zimali ezincane kakhulu maqondana nenani lazo.
- Ekugcineni, nangesikhathi lapho ukuphuthuma kwesidingo ikuvimbela ukuthi uye kweminye imithombo yezimali eyinkimbinkimbi ngokwengeziwe yokuyinikeza noma cha. Njengoba okufunayo ukuthi ube nemali emahoreni ambalwa ku-akhawunti yakho yokonga.