MFO "Credit Plus": ukuphononongwa. Bhengeza i mboleko. Isicelo se mboleko

Ngokuqhelekileyo abantu abafumana kwiimeko ezinzima zemali baphambukiswa izihlobo, abahlobo, abahlobo. Ukuzama ukufumana isisombululo, abo bafuna imali bajika kwiibhanki ezahlukahlukeneyo, imibutho yamancinci. Abanye abantu phakathi kwenani elikhulu leentengiso kwiimarike zekhredithi baphendukela "kwi-Credit Plus". Luhlobo luni lwenkampani? Nguwuphi na umqathango oboleka imali? Ziziphi iimpendulo malunga ne-Credit Plus? Konke oku siza kujonga.

Mayelana nenkonzo "I-Credit Plus"

"I-Credit Plus" iyinkonzo ye-intanethi. Kusemncinane kwaye namhlanje. Abantu banikwa ukubhaliswa ngokukhawuleza kwemali-mboleko, befumana imali ngendlela efanelekileyo kakhulu. Xa ubhalisa kwisayithi, i-akhawunti yakho yenziwa. Ngaloo nto unokwenza iimfuneko ezifanelekileyo kwixesha elifanelekileyo ngaphandle kokuqhagamshelana nabasebenzi. Kwi-akhawunti yakho, umthengi ngamnye unikezwa ithuba lokunyusa umboleko wamanje, ukukhupha enye entsha kwimigangatho efanelekileyo, kwaye usebenzise iibhonasi zeCashback eziqokelelwayo.

Inkonzo "I-Credit Plus" yile nkampani ejongene nokunyaniseka, inhlangano yezemali-mali "i-Ecofinance". Ubeka iingxowa-mali kuphela kubahlali abakwaziyo abanomthombo osisigxina wengeniso. Ukufaka isicelo kwi-intanethi yemboleko, kuphela ipasipoti iyadingeka. Kubalulekile ukuba uqaphele ukuba, ngokwemiqathango ekhoyo, akubona bonke abantu abanokuthatha imali mboleko. Inkampani inomda weminyaka. Unokufaka isicelo sokuqala kwi-22 iminyaka.

Neenzuzo zenkampani

Inkampani "i-Ecofinance" ichaza ukuba inkonzo yayo ye-Intanethi "i-Credit Plus" inemivuzo emininzi:

1. Nguye umboleki-mboleko ngqo. Ngokumalunga nedatha oyicacisayo, akudingeki ukuba uxhalabele. Yonke inkcazelo yomntu ngamnye idluliselwa kumzila okhuselekileyo.
2. Ngabasebenzi benkonzo bonke unxibelelwano luqhutywa ngeefowuni, i-imeyile kunye nemiyalezo ye-SMS. Iintlanganiso zakho azifunwa, ngoko unako ukulungiselela umbolekiso kwi-CreditPlus ekhaya, emsebenzini nakweyiphi na indawo.
3. Imali kwinkonzo "I-Credit Plus" - nayo inenzuzo. Okokuqala, ngokubuya ngokuphumelelayo, umthengi uphucula umlando wesikweletu. Okwesibini, umboleko ngamnye olandelayo unokuhlawuleka, njengoko inzala yenzalo iyancishiswa. Okwesithathu, ngokubuyiselwa kwemali ngexesha elifanelekileyo, i-cashback iyaxelwa ukuba i-10% yemali yemboleko.

Projekthi e Projekthi

Kubathengi bamanje kunye nabakhona, inkonzo ye-Intanethi "I-Credit Plus" inika iindidi ezimbini zeemali-mboleko ezizenzekelayo:

1. "MicroCredit". Abaxhasi abakhetha le mveliso, inkampani inikezela kuma-ruble ayi-1 ukuya kuma-30 ayi-ruble. Ixesha lokubolekwa lihlawulwa ngumboleki ngokuzimela, kodwa ayikwazi ukuba ngaphantsi kweentsuku ezingama-5 kunye neentsuku ezingama-30.
2. "Minicredit". Ngokuhambelana nemimiselo yalo mveliso, umthengi unokufumana kwi-ruble eziyi-15 ukuya kuma-50 ayi-ruble. Ixesha lentlawulo lingaba lide-ukususela kwiiveki ezi-10 ukuya kuma-24.

Kwisibheno sokuqala, njengomthetho, umntu akanako ukuboleka imali. Oku kubangelwe kukuba inkampani iye yamisela amanqanaba omthengi: i-novice, ingcali, iqabane kunye ne-VIP. Abaqalayo ngaba abo bathengi baqala ukubuyela kwinkampani. Zifumaneka kuphela kuma-ruble ayi-15 amawaka. Iingcali zithunyelwa kubathengi ababuyele kwiimali-mboleko ezi-2 ukuya kwe-4. Isixa esiphezulu esinakho singama-ruble ayi-20. Ukongeza kwindleko eyongeziweyo, iingcali zinikezelwa ithuba lokubolekisa ngemali ngeSMS. Abalingani ngabaxhasi ababuyele kwiimali-mboleko ezi-5 ukuya kwe-10, kwaye iqela le-VIP libandakanya abantu abaye basebenzisa isevisi ngaphezu kwamaxesha angama-10. Amaqabane kunye nabaxhasi be-VIP, inani lemali-mboleko yemali-mboleko iyakhula kakhulu.

Ukwenza imali mboleko

Abaxhasi abenza isicelo sokuqala ukufumana imali mabazalise isicelo. Inikwe kwiphepha eliphambili lewebhu lewebhu. Ukuzaliswa kwesicelo kuqulethwe izigaba ezi-4:

1. Kwinqanaba lokuqala kwifom, umthengi ubonisa iinkcukacha zakhe zokuqhagamshelana - igama, igama lokuqala, igama lomntu, isini, usuku lokuzalwa, idilesi ye-imeyile, inombolo yefowuni. Emva kokutshintshwa kwisigaba esilandelayo, umboleki onokuthi uyathumela ikhowudi yokuqinisekisa kwinombolo yefowuni.
2. Emva kokucacisa ikhowudi kwiphepha, idatha yepaspoti - indawo yokuzalwa, inombolo yombhalo, ulwazi malunga nokukhutshwa kwayo kwaye ngubani, angeniswe kwiindawo ezifanelekileyo.
3. Kwamaphepha alandelayo, ulwazi olongezelelweyo malunga nomboleki lubonisiwe kwaye isicelo esipheleleyo se-inthanethi semboleko siqinisekiswa ngumxhasi.

Ukwenza isigqibo

Isicelo semboleko singathunyelwa nanini na. Isisombululo siza ngokukhawuleza - ngaphakathi kwimizuzu engama-1. Inkampani ihlala isabela ngokuqinisekileyo kwizicelo ezithunyelwe, kodwa ngamanye amaxesha kufuneka zithathwe. Isigqibo esichasayo senziwa kuphela ngaba bathengi ababonisa ulwazi olungalunganga malunga nabo, ulwazi olufihlakeleyo malunga neengxowa-mali ezikhoyo kunye nezingenakudluliselwa.

Izisombululo ezintle kwiinkonzo ze-intanethi ziqwalasela enye imilinganiselo eyintloko. Kwi-Kredit Plus, banesizathu esihle sokuboleka imali ukuba abuyele imali eceba ukuboleka.

Ulwazi malunga nenqanaba lomdla kunye neendlela zokukhutshwa

Kwimveliso ethi "MicroCredit" inzala yenzalo isetyenziswe kwi-620,500% ukuya kwi-784.750% ngonyaka. "I-MiniCredit" isantya senzala esezantsi isetyenziswe - ukusuka kwi-283.693% ukuya kwi-320.737%. Kwimali-mboleko yokuqala inzala ephezulu inomiswa. Linciphisa abo bathengi ababuyisela imali ngexesha kwaye bafaka isicelo kwakhona kwinkampani ngokusebenzisa inkonzo ye-Intanethi "I-Credit Plus".

Imboleko evunyiweyo kwi-"Credit Plus" ingabhalwa ngeendlela eziliqela:

• Ngendlela yokuhlawula I-CONTACT okanye "UMSEBENZI";
• Kwikhadi lebhanki eliboniswe ngumboleki;
• Ku-akhawunti yebhanki kwiinkcukacha zebhanki ezichazwe ngumthengi.

Ukuhlawulwa kwemali kunye nokwandiswa

Ngomkhiqizo "MicroCredit", ityala lihlawulwa lixesha lokuhlawula ngexesha elilodwa. Nge "MiniCredit" ixesha elide liboleke imali, ngoko ke ukubuyela kwayo kwenziwa ngendlela eyahlukileyo. Iintlawulo ezilinganayo zifunwa rhoqo iintsuku ezili-14.

Ukuba akunakwenzeka ukwenza intlawulo ngexesha, ngoko ungasebenzisa inkonzo "Ukongezwa kwemali" kwi "Credit Plus". Ungayisebenzela kwi-akhawunti yakho. Inkampani ibeke ixesha elide elivumelekileyo lokunyusa. Ilingana neentsuku eziyi-15. Kuyafaneleka ukuba uqaphele ukuba ukongezwa akusiyo inkonzo yamahhala. Kudinga umrhumo omncinci.

Kubathengi, inkampani yenze inkonzo ebizwa ngokuba yi "Auto-renewal". Yenzelwe abantu abafumana kwiimeko zemali ezinzima kwaye abanakho ukuhlawula amatyala abo ngexesha. Ngokuvuselelwa ngokuzenzekelayo, ixesha lokubolekwa kwemali linyuswe ngeentsuku ezili-10. Intlawulo yokuhlaziywa ifakiwe kwiindleko zetyala.

Malunga neCashback

Njengoko kuboniswe ngongoma, i-"Credit Plus" inikezela abathengi bayo kwiCashback, kodwa kungekhona bonke abantu abazi ukuba kuyintoni. Igama lasemzini lithetha ibhonasi yemali. Kwinkonzo "i-Credit Plus" isetyenziswe njengepesenti yemali yetyala. Ngokomzekelo, umboleko ngama-ruble amawaka ama-5. Ibhonasi yemali isetyenziswe kwi-5% (eli nani alikho ngqo, abanye ababolekayo baninzi). Ngokusingatha ngexesha elifanelekileyo, umthengi uya kuhlawulwa i-ruble 250.

Iibhonasi ezifumanekileyo zingasetyenziswa ngolu hlobo lulandelayo:

• Hlawula mboleko elandelayo;
• Ukwandisa ixesha le mboleko;
• Ukutshintshela kwi-akhawunti yakho okanye ngokusebenzisa inkqubo yokudlulisela imali.

Impendulo emihle evela kubboleki

Mayelana nenkonzo ye-intanethi "I-Credit Plus" ukuhlaziywa kwabanye abathengi bashiyekile. Abbolekayo bathi uluvo lwabo luvela ngenxa yeenzuzo ezikhoyo zenkampani:

• Kuthatha malunga nemizuzu eyi-10 ukugqiba isicelo kwisayithi;
• Kuyo yonke imibuzo ephakamileyo, unokufumana iimpendulo (zifumaneka kwicandelo elikhethekileyo lesayithi);
• Ukuba kuyimfuneko, unokuqhagamshelana nabasebenzi benkonzo (ngefom ekhethekileyo kwisayithi okanye ngokubiza inkonzo yenkonzo yeenombolo ezingenanto);
• Bonke abaqhubi beengcali zangempela-bayazi malunga nazo zonke iinguqu zokukhutshwa kwemali-mboleko, banokuphendula nayiphi na imibuzo, ngokufanelekileyo kwaye bachaze ngokucacileyo nayiphi na ingcaciso engaqondakaliyo;
• Isicelo siqwalaselwa ngokukhawuleza, asiyi kuthatha iiyure eziliqela okanye iintsuku ukuba zilinde isigqibo, njengoko kwenzeka nakweminye imibutho yemali kunye neebhanki;
• Imithombo yolondolozo lwemali xa wenza isinqumo esifanele kwisicelo sithunyelwa kumxhasi kwangoko, kwaye ukulibaziseka kwi-crediting akubangelwa yiphoso le nkampani (i-akhawunti yebhanki ithola imali ngokuhambelana nemimiselo neebhanki).

Iimpendulo ezingalunganga zabbolekayo nge "Credit Plus"

Unokufumana ingxelo engalunganga malunga nenkampani. Umzekelo, omnye wabathengi bachaze le meko elandelayo. Umntu ngeenkonzo "I-Credit Plus" ikhuphe i mboleko ye-ruble eziyi-15. Ngenxa yokuvela kweengxaki zemali ezinzima, kwakungenakwenzeka ukuhlawula ngexesha. Emva kwexesha, iifowuni zaqala ukufika kwinani eliboniswe kwiphepha lemibuzo kunye nosongelo. Umntu ongaqhelekanga, ongazange abonise, wathi iqela elihambeleyo liya kuza kuchaza ipropati. Emva kwexesha elithile kwi-intanethi yoluntu, umntu waqala ukuthumela iifoto zomboleki kunye namalungu entsapho ngokubhaliweyo. Kuye kwagqitywa ukuba ibhenele kwiofisi yomtshutshisi ukuba ayeke ukungabikho komthetho, okwakuboniswa ngumntu obolekayo, okwenzelwe inthanethi.

Omnye umthengi kwelinye lamagqabaza angalunganga malunga ne "Credit Plus" ekhononda ngabaqeshwa benkampani. Bona, ngokombono wakhe, abazange baxelele ngokukodwa ulwazi olubalulekileyo, ngombono wokuba ityala lomboleki liye landa. Ingundoqo yolu hlobo yile ndlela ilandelayo. Umntu olahlekelwe ngumhla we-1 kwaye wabiza inkampani ukuba afune ukuba enze ntoni kule meko. Umqeshwa waphendula ukuba akukho nto engalunganga ngayo kwaye unokuhlawula imali ngoku. Ukwamukelwa kweemali kumakhadi asebhanki awasebenzanga, kwaye umthengi wabiza kwakhona inkampani. Waxelelwa ukuba kuya kukwazi ukufaka imali kamva. Nangona kunjalo, emva kwexesha, umyalezo weentlawulo ezifihliweyo ufikile. Abaqeshwa bekampani abazange babone ityala labo kule nto.

Abanye abantu basathi i-MFO "Credit Plus" inkampani isebenza ngokunyanyekayo, kwaye zonke izibuyekezo ezikhoyo zibhalwa ukuze zilandele kwaye azihambisani nokoqobo. Akunakwenzeka ukwazi ukuba oku kuyinyani okanye akunjalo. Ngaphambi kokwenza isicelo kubalulekile ukukhangela abo bantu (phakathi kwabahlobo babo, abahlobo okanye osebenza nabo) abasebenzisa inkonzo kwaye banokuxelela into eninzi malunga nayo.