"Credit Aibolit": vatengi wongororo

Kutora mari chikwereti, unofanira kuvapa. Hazvina basa kuti ndiani aiva akakweretesa - akaisvonaka shamwari kana kumahombekombe. Asi pano neapo matambudziko mari kwenguva pfupi hunhu anogona kudzivisa akatendeka kuurayiwa mukwereti mitoro. Uye zvino nyaya kugarwa muzvikwereti zvemari kwakabatana kwete chete kune kuchengeteka basa anomukweretesa Bank, asiwo kumapati rechitatu - vateresi. Uye kana rokutanga iri diki mukana kugumisa sungano akadai chikwereti kugadzirisa, yokupedzisira achaita zvakanakisisa zvavo kuita kuti upenyu sabvumika nechikwereti.

Zvokuita kana chikwereti hauna kuumbwa mune rimwe bhengi? Kana kupfuura mumwe? Inopfuurira kutyisidzira foni tsamba kuda kudzoka kamwechete. Kufanana munondo Damocles ichimuremera haana kupa nguva kuti chikwereti pamusoro musoro wako. Pano zvino uyai mhaka nyanzvi vakagadzirira kubatsira kubhadhara zvikwereti.

"Credit Aibolit" - chii?

Dzinonzi headers hutsva mhando. Makambani aya vanoda kubatsira defaulters kugadzirisa chikwereti zvemari amuka. Zvino, mungava ose ane mukana kushandisa chikwereti ruyamuro -. «Zororo muzvikwereti mutoro" "Credit Aibolit 'inofambiswa basa ravo riri zvakanaka, pasinei pfupi kugara uri pamusika mabasa akadaro. Kushandisa chipo ichi, anokwereta yakakwana website yayo chikumbiro ane rudzikinuro kwayo webhanga chikwereti uye zita kubhengi uye uwandu chikwereti.

Sei nzira iyi

Sezvo murevereri, "Credit Aibolit 'wongororo Uyewo akanaka. Kuti vatore chikwereti kubva defaulter, akakweretesa anotanga kushandisa mari iyi zvebhizimisi. Asi defaulter kubhadhara chikwereti chacho, zvisinei basa chikwereti akatakura varasikirwa. Nzira iyi Zvinobatsira mativi ose nekuti defaulter ndiwo mukana kubhadhara huripo chikwereti, zvaakanga ari kwenguva refu asingagoni kubhadhara, uye kudzoka uwandu zvikwereti anosimbiswa womunhu anomukweretesa.

Conventionally, kambani rinokamukana zvikwereti zvose muruoko 3 Mapato, imwe neimwe iri mune muenzaniso chaiwo.

Category 1: mukwereti wacho zvikwereti atova padariro imwe kunonoka refu.

• Kana munhu anoda kubetserwa ane kunoshamisa zvikwereti kwerinopfuura gore, kambani "Credit Aibolit" nokuda defaulter anofanira foreclosure zvekufamba, pamahombekombe ari mari 4-10 nguva zvishoma mutengo yepakutanga. The yeGmail.END_STRONG ipapo anotsiva vakadzikinurwa mu Yakabudiswa nonoka chikwereti kuti inobhadharwa inoverengeka, kwete nemakore.
• Kana anokwereta ane 2 kana kupfuura Tera, vanogona kubatanidzwa kupinda mumwe, rendi achapiwa akararamawo kukura kuti zvaisazova kuva mutoro nokuda deadbeat muhomwe.
• Kana munhu anoda kubetserwa zvishomanana kunonoka zvakaitwa, kambani achabatsira kuti refinancing nomumwe wako mubhengi. Vagari kuedza kambani "Credit Aibolit" uye mumwe rutapudzo zvinogona kuwanika mudiwa nemabhangi chimbadzo pamusoro chikwereti, kuderedza uwandu chikwereti huru, kuwedzera rokuti chikwereti, uyewo kunonosa anotevera rendi.

Category 2: The anokwereta ine zvikwereti kuti kare yakafanira, uyewo vaya raakanga kugara inobhadhara.

• Yakarurama mhinduro mumamiriro ezvinhu, maererano nenyanzvi ari boka, achava mubatanidzwa zvikwereti zvose zviri zvakafanana pamahombekombe, uye pamusoro yakanakisisa mashoko nokuda nemhosva. Kushandiswa zvinogadzirisa kwakadaro kunobatsira kwete chete nokuda anokwereta, vasingagoni kukanganisa kwenyu chikwereti mukurumbira uye nechepazasi pamwedzi kubhadhara. The Bank zvakare anomira kuti vabatsirwe - musana kubhadhara wechikoro uye mubereko kushandiswa kwayo. Asi kunyanya zvichaita angabatsira nemabhangi kuwedzera ayo chikwereti Portfolio.

Category 3: The anokwereta ine zvikwereti, asi panguva iyoyo hapana delinquency.

• Client nguva inobhadhara pamusoro zvikwereti, asi zviri zvemari kuzvuzvungudza. Kambani chichabatsira mu refinancing chikwereti kubhengi-mumwe, uyo achakwanisa kupa akanaka ezvinhu - achidzikisa chimbadzo, chikwereti izwi, uye kuwedzera nyasha nguva kuti anongoerekana nezvokupfupika mamiriro ezvemari.

Maererano nenhamba, yeGmail.END_STRONG kambani imwe neimwe ine zvikwereti zvakawanda zviri mabhanga siyana mune uwandu 300-500 rubles. Kuva pasi kuramba kumanikidzwa wandei muunganidzwa makambani, pamusoro nguva mutengi hunoguma kukurukura navo. Uye ichi ezvinhu, mashoko defaulter vazvigadzirire kugadzirisa mamiriro ezvinhu ane mubhengi, izvo zvaizoitawo anofanirawo zvauri kupomerwa.

Sematsananguriro Kumutungamiriri kumusika kuti "Dr. Dolittle Credit": "Nhasi, vanenge mamiriyoni 5 vokuRussia havagoni kuzadzikisa ashandiswe munataisireva zvemari. Izvi zvinotungamirira evanhu Zvinetso, kuwedzera kukura mhosva vakawanda uye anodana kupinda mubvunzo pfungwa anomukweretesa. Zvinofanira kubviswa mumaoko vateresi uye defaulter ake basa pfungwa kubva chete akakweretesa, sezvo mamiriro ezvinhu ari kutanga anoyera kure. " Maererano nemashoko ari Bank of Russia, mushure Implementation zvakadaro tsika yakawanda kunonoka evanhu yakaderera kubva 857,8 kusvika mabhiriyoni 660,2 rubles.

mutengo mabasa

On chikamu chikwereti avo vakashandisa kuminamato "Credit Aibolit", mutengo wongororo zvakasiyana. Mutengo basa sangano iri rinowanikwa kwete chete kubva zvechadenga chikwereti (akadai zvikwereti, ayo mutsividzo nguva uye mamwe mazwi chesungano), asiwo nei akurukure womunhu anomukweretesa. Danho rokutanga rinotanga chiratidzo kubhadhara 5% of zvachose Mari chikwereti uye inoguma musi 30%. Muchiitiko chimwe nechimwe, uwandu muripo achava munhu.

Asi chii kana chikwereti haana mari kubhadhara apa mari pa 5,30%? Pakadaro, kambani inopa Yakabudiswa kuti 24 mwedzi. The yeGmail.END_STRONG anopiwa mukana unosarudza wega rendi uye kupedza uzere ayo muripo.

Sei defaulter pachayo haigoni taurirana pamwe mubhengi?

Kuverenga wongororo kuti "Credit Aibolit", tinogona kuona kuti kambani akagadzirira kuuya kubatsira vasiri payers vanoita nhasi havagoni kuva mutoro zvikwereti zvayo. Iyi nyaya haisi akakodzera vatengi vanofunga havana zvokukuripira zvikwereti zvavo. Chinangwa chikuru "Credit Dr. Dolittle" - kubatsira anokwereta kuderedza kusvika pamwero ayo solvency rayo chikwereti mitoro. Kana anokwereta pachavo nyaya kuna Bank, zvose zvayo kuita kushanda pamwe chikwereti chako zvingaderedzwa kuti chibvumirano muzvikwereti kugadzirisa. Panguva ino, deadbeat evaded mubhadharo, kubhangi kuramba -bereka vemhosva fines uye Zvirango. Saka havatarisiri kuderedza wechikoro chikwereti, kana tava kuenda kubhengi somunhu oga munhu. "Credit Company Aibolit 'wongororo Hazvina zvakanaka. Uyu pamutemo sangano pamwe mukana kuitisa wandei izvi dambudziko vatengi.

Pane nguva apo boka uye anogona kuuya kubatsira defaulter. Asi musafunganya: asi nemhosva havazotadzi chinhu panyaya dzemari. Payment nenyanzvi "Credit Dr. Dolittle" vachaitwa chete chiitiko kuti ichaita zvakanaka pakugadzirisa dambudziko. Kana hazvibviri kusvika sangano nekubvirana achaita kuzivisa defaulter. Real uchapupu pamusoro kambani "Credit Aibolit" rakashuma kuti mukweretesi mabhanga vanowanzova panzvimbo vasingadi kune nyaya chemhosva muzvikwereti, uyewo kuda kuwana zvishomanana mari yavo shure.

Ndezvipi zvikwereti zviri pasi basa

Kudzidza LLC "Credit Aibolit" uchapupu vanhu, unogona kuona kuti kambani anoita basa rayo chete nevanhu. Uye chete anokwereta vaya vaiita vakatendeka avo zvikwereti mitoro, asi chidzoke zvikuru zvinetso zvemari haana kuvabvumira kuti kuramba kubhadhara chikwereti chaiyo. Zvikurukuru, kambani anoda vatengi vane kupfuura gore kunonoka. "360+" - nokuti defaulters dzakadaro kunotangira tsananguro.

Nhasi sangano akaita pamwe mabhanga 40, izvo zvinosanganisirwa pamusoro 100 masangano zvemari.

Zvicharamba kutora kugadzirisa nyaya

Kugadzirisa nyaya chikwereti zvinoda kubva mavhiki 2-3 kusvika inoverengeka. nguva refu yakadai nguva nokuti kuti havasi mabhanga vanoda kutengesa chikwereti defaulter "chitoro." foreclosure nzira rakanyatsojeka inodhura mukweretesi pamahombekombe, saka zviri nyore kutengesa zvikwereti kakawanda panguva kamwe, kuti ndiye "zvakakomba." oparesheni Izvi zvinobatsira defaulter - kwaari zvinokwanisika kuti "kunyora kubvisa" chikwereti yavo nani. ezvinhu.

Kuverenga akasiyana zvinyorwa pamusoro kambani "Credit Aibolit" ongororo, ivo zvechokwadi kana kuti kwete - wose anozvisarudzira.

Basa "Credit Dr. Dolittle" panguva zvemitemo chechetere

basa chekambani rinoitwa zvakasimba maererano mitemo (Part 1, Art. 382 uye Art. 12 Federal Mutemo № 353). Tichishandisa nzira iyi, sezvo kuvhara zviri zvemari delinquency, unogona kudzivisa yepamutemo migumisiro kusiyana kusauka zvekufamba.

Kudzorera chikwereti nhoroondo

Pashure pokunge boka LLC "Credit Aibolit", wongororo iyo kutaura pachavo, anogona kudzorera chikwereti yakamira. Chikurukuru, kana mukweretesi kubhengi akaenda defaulter vanosangana akatengesa chikwereti, chinonyanya nhano yatorwa - chikwereti kuzodzimwa. Danho rinotevera kutanga rokudzorera chikwereti nhoroondo vanofanira kutora diki chikwereti uye nenguva kuti dzose kubhadhara nokuti. Chete tichibatsirwa nzira iyi, unogona kuzodzosera awane itsva, zvakachena chikwereti mukurumbira.

Bvunza boka "Credit Aibolit" sei kubhadhara hunoshamisa chikwereti

Kuti vawane rubatsiro kubva kambani, unofanira kuita chete mamiriro shoma:

• On pamutemo Website ari pazororo chikumbiro, apo kutaridzwa raida data, uyewo jairana kukura zvinogona mari.
• The kambani pave chikumbiro kubhangi kuti kudzikinurwa NPLs panguva dhisikaundi.
• The kambani anoti anokwereta rinoitwa pamusoro mamiriro ezvinhu ayo kutenga chikwereti uye wokugumisa Credits.
• "Credit Aibolit" inopa mutengi pamwe nechibvumirano pakudzokorora uye sarudzo.

• Client akaita kusaina chesungano, uye zuva rakatevera ose zvikwereti yakavharwa.
• Deadbeat wakazara kana kukwana mubhadharo akuitira.
• The kambani inopa defaulter aimbova gwaro nokuvhara zvikwereti zvayo yakaipa.

The kambani "Credit Aibolit" chaivo vanhu wongororo pamusoro wake basa nemakasitoma Posted on huru peji website yavo.

Zvinofungwa nevamwe nemabhengi muunganidzwa masangano

Sezvataona ne Pavel Sigal, mutevedzeri womutungamiriri yezvebhizimisi sangano "Support weRussia", nokuti nemabhengi MFIs, zvakadai zano kubhadhara "akarembera" chikwereti kunobatsira chaizvo. Vanotambudzika vatengi vanofanira nyatsotarira mashoko esungano, kunyanya pamusoro sei zvakaitika chikwereti muunganidzwa muitiro.

Heano mamwe wongororo kuti "Credit Aibolit":

• Elena Dokuchaev, purezidhendi mutero sangano, "Credit Sequoia nenzvimbo," Ukuwo, chokwadi kudiwa basa iri. "Credit Aibolit" - worudzii kambani? Kana nechikwereti asarudza abhadhare chikwereti chako, zvino sei chinokwezva pati rechitatu? The chikwereti achaitwa kutengwa ne mutengesi ari "nekobiri", uye ipapo vakadzikinurwa mu Yakabudiswa pedyo nechikwereti. Izvi zvinoita pfungwa wokurangana pakati deadbeat wake chikwereti-anotenga. Chisarudzo kutengesa chikwereti mukweretesi anofanira kuitwa, kwete nechikwereti. Elena Dokuchaev inokurukura kuti dzinobva ichi kubiridzira kuchena. Uyewo, ayo mafungiro, kutengeswa chikwereti rakabvongodzwa kunobvira chete kana nemhosva unomushandira kuchengeteka basa kubhengi uye ipapo chikwereti hwakatamisirwa kuzoita muunganidzwa sangano. Zvino vateresi vari kunyange vakaroorana muna usingabatsiri rake nokupora chikwereti, akakweretesa angasarudza kuzoitengesazve. nguva chikwereti kubva 700 900. mazuva akanga yakawedzera 2015. Izvi nokuda pedyo pamwe nemabhangi pamwe muunganidzwa masangano.

• Aleksandr Savinov, mutevedzeri purezidhendi mutero risingaoneki, "Credit Sentinel Management", achivimba kuti zano havasi kuzonakirwa rakafara mukurumbira. Zvinonzi kashoma kushandiswa mudziyo, nokuti zvikuru pachena zvakaipira kutenga chikwereti kwakadaro. ukoshi hwavo haingatikwaniri kunyange kugara administrative mari nesangano iri kutengeserana. Alexander anoti zvakaoma chaizvo kuti adzikinure akawanda chikwereti mune mabhanga siyana.
• Anna Blinov, musoro vachangobva mirango "Home Credit" Bank, vakaratidza kuva panzvimbo zvisiri wekambani «Credit Aibolit". With masangano ose Bank mhando iyi haisi pamwe uye hakuna vanosungirwa nomutemo hakusi pamberi pavo.
• Tsika zvemari chete kuti akagamuchira chokwadi uye ramangwana kuchinja kuuya, aiva "Summer Bank". Kazhinji, kunonoka mu "360+" Musatenga anodhura 5% yose inowanwa. Sachigaro Board Alexander Samohvalov akati kuti vanoda mushandirapamwe kushanda mumamiriro ezvinhu akadaro.

Kuverenga Company "Credit Aibolit" vatengi ongororo, apo wemanomano hakuna chiziviso. Asi ichi ndicho chete dzidziso. In tsika, zviri nani kuti varege kubvumira kwaita chikwereti.