Ya zira kwallaye - Credit cin kwallo ne ...

Zai yiwu a yau babu irin wannan mutum wanda akalla sau daya a cikin rayuwarsa bai kai bashi. Wani lokaci da yanke shawarar baiwa rance da bankin ta ma'aikata iya jure 15-20 minti bayan your magani. Ta yaya suka yi da shi, ta yaya zai iya irin wannan gajeren lokaci domin tantance borrower ta amfani? Shin, ba su da kansu - yanke shawarar da wani m kwamfuta shirin - k'wallaye tsarin. Ya dogara ne a kan shigar da bayanai, bincika da matakin na abokin ciniki biyayya.

Abin da wani bakon kalma

Shi ne ba ma share sunan zo daga Turanci kalma ci, wanda ke nufin "lissafi". Ya zira kwallaye - kwamfuta shirin, wanda shi ne wani irin profile cewa characterizes borrower. Kafin yankan shawara ko zai amince da wani rance da bankin zai tambaye ku su amsa wasu tambayoyi da amsoshin da za a binne shi a kwamfuta, sa'an nan da shirin zai tantance sakamakon assigning kowane abu da wani yawan maki. A sakamakon kara duk kimomi za a general nuna alama, a tsare a matsayin cin kwallo kimantawa. A mafi girma da ci, da girma da alama na tabbatacce yanke shawara a kan bayar da rance. More sau da yawa fiye da ba ta amfani da daya, da dama iri cin kwallo, kimantawa abokin ciniki a daban-daban kwatance, ko wani hadadden Multi-matakin tsarin da ake amfani.

Siffofin kima

A mafi muhimmanci da kuma ya fi kowa daga cikin waɗannan ne Application-cin kwallo, wannan gwajin Hanyar bincika da creditworthiness na abokin ciniki. Idan irin wannan kima ku samu wani kasa yawan maki, ka samu wani aro shi ne wuya. A matsayin wani zaɓi za ka iya bayar da wasu bashi sharuddan - wata babbar sha'awa kudi ko karami, rance adadin.

A na gaba mataki na kima - kayyade m borrower propensity zuwa zamba. Yana bincika da tsarin Fraud-cin kwallo. A sharudda amfani ga lissafi na wannan siga ne sirrin ciniki na kowane daga cikin banki.

Behavioral-cin kwallo - wani irin gwajin da damar don hango ko hasashen creditworthiness na abokin ciniki a nan gaba. Har ila yau, wannan bincike tsarin damar bayyana wasu "halayya" dalilai: abokin ciniki zuwa jefa cikin rance, rance zai sa biya daidai da kan lokaci, zabi wani iyaka a kan katin bashi nan da nan, kuma za su yi amfani da kudi a sassa, da kuma more.

Akwai wani, mafi m irin gwajin, - Collection-cin kwallo na borrower, wanda yana da muhimmanci sosai ga ci gaban da matakan ga mu'amala da abokan ciniki a bashi. Wajibi ne ga wani isasshen hadarin kima ba biya na aro da kuma dace aikace-aikace na m shisshigi.

Shin yana yiwuwa a "yaudara"?

Saboda bashi cin kwallo motsa jiki na'ura, shi iya ze cewa sauki yaudara da tsarin - kawai ya ba da " 'yancin" cikin sharuddan da bankin replies. Duk da haka, wannan ba shine al'amarin ba, irin wannan yunkurin zai iya ci kawai a lõkacin da shirin da aka ginannun a cikin irin wannan hanya da cewa duba da wasu bayanai game da kai kawai zai yi aiki ba. Idan da zira kwallon bukatar yin kawai bayanai tabbatar da takardu, sa'an nan yaudara da tsarin shi ne kusan ba zai yiwu ba. Duba kowane irin na data a cikin tambayoyi da real halin da ake ciki ga lafiyar ma'aikata ba zai zama da wahala, saboda mafi yawan su ne tsohon ma'aikata na ministan cikin gidan kasar, FSB da kuma sauran irin wannan hukumomin da kuma shirye don amfani "haihuwa dangantaka". Bugu da kari, wani lokacin shi ne isa kawai don yin kira a aiki ko makwabta na nan gaba abokin ciniki.

Don haka kokarin yaudara da shirin ne har yanzu ba shi daraja, saboda shi aka asali rajista dukan da aka sani alamu da alamomi na zamba da kuma idan irin wannan wani yunkuri ne da aka gano, da rance a banki ba za ka taba.

Saboda haka, bari mu yi la'akari da abin da abũbuwan amfãni dole ne m borrower, idan yana so ya dauki bashi ba tare da wani matsaloli.

Bayanan sirri - wanda su ne m

1. Sex - shi ne ya yi ĩmãni da cewa mata sun fi alhakin kula da saduwa da kudi wajibai.
2. Age - akwai wuce kima matasa ko dattijo zai iya wasa tare da ku a qeta wargi. A fĩfĩta shekaru ne 25-45 shekaru. Customers fadowa cikin wannan fanni na iya zama m for ƙarin maki a kan abu.
3. Ilimi - idan kana da wani mafi girma ilimi, da banki zai amince da ku more. Wadannan abokan ciniki an dauke su more nasara, alhakin da kuma barga kudi Manuniya.
4. Iyali dangantaka - guda mutane ba su da wani fifiko, don haka idan za ka iya "fariya" ko da wani ƙungiyoyin aure, samun karin wani batu.
5. Dogara - mana, gaban yara ba zai iya zama wata matsala ga samun rance, duk da haka, mafi daga gare su, da m ci a kan wannan abu ba za ka samu.

A kudi kansu - abin da fasahohin aka fĩfĩta

A wannan ɓangare na tambayoyi shirin zai tantance ka ci gaba a cikin aiki filin - janar da kuma yawan shekaru, girma na sana'a, matakin Hakkin cikin 'yan shekarun nan, da samuwar ƙarin kafofin samun kudin shiga da kuma karin. An manufa zaɓi a cikin wannan yanayin ne gaban daya kawai shigarwa a cikin Kundin - da mafi sau da yawa za ka canza jobs, da kasa zauna a kan kowane sha'anin, da kasa da maki za ka biya tsarin.

Oddly isa, amma bankunan ba na son kamfanin gudanarwa, kudi manajoji, kazalika da jama'a da su tabbatar da su da aikin yi a kan nasu (notaries, da lauyoyi, masu zaman kansu da masu binciken, masu zaman kansu, 'yan kasuwa, da sauransu. D.), Kamar yadda su samun kudin shiga ba gyarawa da kuma dogara a kan kasuwar trends. Fĩfĩta aka bai wa abokan ciniki, aiki ga sakamako - ma'aikata, kwararru, ma'aikata da kuma tsakiyar manajoji - su samun kudin shiga da aka dauke su more barga.

solvency balance

Har ila yau sanya cin kwallo kima rabo daga kudi da kuma samun kudin shiga, da samuwan fice rance dauka a baya. Sabõda haka kada ku artificially cika su samun kudin shiga, musamman idan da adadin bashin da cewa kana so ya zama ragu. Yarda, ya dubi wajen m mutum iƙirarin wata-wata albashi na dubu 100. Rubles, wanda aka da ake ji wa rajista na rance na 10-15 dubu.

Abin da kuma yana so ya san da zira kwallon shirin

Hakika, da jerin tambayoyi, kimanta da tsarin a daban-daban bankuna na iya zama quite daban-daban, amma haƙĩƙa, a cikin dukkan su za a tambaye su samar da ƙarin kafofin na bashi. Bankin ma'aikata zai zama mai ban sha'awa, idan kana da ƙarin kafofin na kudade, ko kaine na lambu, gareji, ƙasar, mota (idan haka ne, wanda daya). Har ila yau, bankin ake bukata dauki wani amfani a abin da kuke bukatar kudi domin a aro ko ka isa a baya, kamar yadda ka daidai yi su wajibai zuwa Organization baya bayar da ku a aro. Ga kowane daga cikin wadannan sharudda ma sami maki.

sharudda ga nunawa

1. Fuskantar Buše. Duk da yake ya zura kwallo - shi ne wani atomatik kwamfuta shirin, amma data shi ya sa duk wannan mutum, don haka da cewa ko da a cikin wannan harka gaba daya kawar da "mutum factor" ba za ta yi nasara ba. Saboda haka, za a aiki hira, kokarin dress mafi ban sha'awa.
2. Dalilin da rance. Idan ka shirya, rance a matsayin wani jiki mutum, cikakken dalili na wannan na iya zama wani gyara, da sayan kewayen birni yankin, dama, sayan dukiya ko wani mota. Idan ka gaya bankin ma'aikata da cewa kai da kudi don fara harkokin kasuwanci, ba za ka iya samun wani rashin cin nasara - da sharudda ga kimantawa doka mutane ne quite daban-daban.
3. Credit tarihi. Hakika, mafi yawan cin kwallo shirin ba kai tsaye dama ga tarihi, amma za a iya duba samuwar data game da ku a cikin "black list" kõma har ta banki ma'aikata a kan tushen da baya sanya wani request ga bashi hukumar.

Lokacin kuma ba zai ba aro

Idan da kwana 30 ka yi kokarin sau uku zuwa sama a matsayin aro da aka ƙi, shi ne ba daraja kokarin yi shi a sake. Mafi m, ku za a hana sake. Gaskiyar cewa irin wannan makirci shar'anta a cikin shirin data tushe. Sabõda haka kada ku ji haushi, kawai jira a watan da rabi, kuma ka damar hawa bashi scores zai kara sau da yawa.

Wani muhimmin factor ne bashi abokin ciniki ta workload. A shirin za lissafi jimlar adadin your rance biya, da kuma yanke shawarar, "Pull" Kuna da daya.

Yana haka ya faru da cewa bankunan shirya wani dukan cibiyar sadarwa na cin kwallo, saboda haka kada ka yi biyayya da dama aikace-aikace na basussuka. Idan adadinsu ya wuce 3-4, sa'an nan mafi m, za ka samu wani gazawar sau daya a duk bankuna.

Ribobi da fursunoni na autocheck

Ko da yake cin kwallo shirin ne quite high-tech, duk da haka shi yana da wasu disadvantages:

• Banks amfani da yin lissafi da wani babban isa sikelin cewa shi ne kawai unattainable a mutunta mutane da yawa zuwa ga talakawan borrower.
• bai la'akari da abokin ciniki ta musamman data, kamar Khrushchev a cikin birnin cibiyar za a iya daukarsa a dace dukiya, amma gidan a kan kogin banki wani wuri a cikin Irkutsk yankin za a kira su da tsarin a matsayin "gidan a kauyen".
• a kananan bankuna da cewa ba su da isassun kudade domin sayan tsada tsarin na cin kwallo, tabbaci ne da za'ayi wajen sama-sama;
• al'ada zama zira kwallon tsarin presupposes hade kayayyakin more rayuwa (bashi hukumar et al.).

Duk da haka, wasu ƙarara ba zai iya shafe da kyau al'amurran da yin amfani da irin wannan kimantawa:

• tsarin ba da mafi m kima, da tasiri na sirri gwaninta na ma'aikatan da aka rage girmanta.
• Cibiyoyin kudi, ta amfani da wani cin kwallo tsarin, bayar da abokan ciniki a mafi m sha'awa kudi, kamar yadda hadarin default an rage zuwa m.
• Buga k'wallaye damar da banki don rage yawan ma'aikatan da hannu a cikin aiki da aikace-aikace.
• yanke shawara lokaci an rage wa 15-20 minti.
• a yanayin saukan wani mummunan yanke shawara da abokin ciniki za a ba da wani jerin abubuwan da rinjayi liyafar na low cin kwallo kima - wannan zai gyara kurakurai a kan m kira.

A ƙarshe, ya kamata a ce wannan kimantawa tsarin ne fairly sabon ga Rasha. Kuma ba kowane banki yana amfani da shi. To, idan ka kasance a fili sane da shortcomings, da kuma yanke shawarar samun rance ba tare da zira kwallon, to, shi ne quite yiwu a yi, ku ne kawai da bukatar samun "ya" banki.