Umntu - Ubungakanani - Ubutyebi - Ixabiso
Amabhanki abukela ngokukodwa abobolekayo ngaphambi kokuba babole imali, ngokukodwa kwiimeko ezinzima zezimali ezifana nalezi.
I-# 1 ibangela ukuba ibhanki ithi ayikho kwiimali-mboleko zorhwebo ezincinci "ngetyala," zombini i-credit and lack of credit.
Nangona imigaqo-mboleko yemimiselo ngokubanzi iyafana, ababolekisi bajonga iimboleko zoshishino ngokungafani nemali mboleko. Umboleki-mboleko ubheka ngokukodwa kwi-credit ye-shishini.
Kuhle ukuba ishishini elikhoyo, kodwa kuthekani malunga ne shishini lokuqalisa ? Kule meko, umboleki-mali makabandakanye ikhredithi yomnini-shishini.
Ngenxa yokuba iimali-mboleko zoshishino ziyingozi kakhulu kunoma yiluphi uhlobo lwemboleko, ababolekisi banqongophe kakhulu kwiimfuno zabo. Musa ukumangaliswa ukuba umlando wakho wekhredithi uhlolisiswe, kunye nekhredithi yoshishino.
Ziziphi iibhanki ezikhangeleyo kwinkqubo yazo yokuvunywa kwemali-mboleko yezoshishino zingatshwankathela kule ndlela ilandelayo, ibizwa ngokuthi "i-4 C's Credit."
Umntu weBhorensi
Umntu ubhekisela kwingxelo yemali yomboleki; oko kukuthi, luhlobo luni "ummi wezezimali" lo mntu okanye ishishini? Isiqhelo sisoloko sigqitywa ngokujonga iimbali zemboleko, ngokukodwa njengoko kuchazwe kumanqaku ekwereti (amanqaku e-FICO). Izinto eziza kuphazamisa umlinganiselo wakho wekhredithi zibandakanya: Iingxaki ezimbalwa, eziphakamileyo zamanqaku ezikolo. Amanqaku aphezulu a matyala (ngaphezu kwe-700) ingaba yinto ebaluleke kakhulu ekufumaneni imboleko yezoshishino.
- Iintlawulo ezisezantsi
- Iingxelo ezidlulayo
- Inkokhelo ekhoyo
- Ityala elipheleleyo
Ibhishini kunye neentengo zemboleko zizinto ezimbini ezihlukeneyo. Uninzi lwamashishini amatsha akakhokhwa ngorhwebo, ngoko kufuneka asebenzise i-credit card yabo yabanini. Kwiimeko ezinjengeemali-mboleko zoshishino kunye nokuqeshisa, umnini unokufuna ukunika isiqinisekiso somntu siqu.
Ukwazi ukubuyisela
Ubuchule bubhekisela kwikhono loshishino lokuvelisa imali ngenjongo yokuhlawula imali mboleko. Ekubeni ishishini elitsha alikho "irekhodi lomkhondo" weenzuzo, libi kakhulu ukuba ibhanki iqwalaselwe. Ukuba uthengisa ishishini , kulula ukucacisa amandla, kwaye ishishini elinokubonisa ukuhamba kwemali efanelekileyo (apho imali engenayo idlula iindleko) ixesha elide linalo ithuba lokufumana mboleko yezoshishino.
Iimpahla zeNkunzi zeShishini
Inkunzi ibhekisela kwizinto eziyinkunzi zezoshishino. Iimpahla eziyinkunzi zingabandakanya uomatshini kunye nezixhobo zenkampani yokuvelisa, kunye ne-inventory yempahla, okanye ivenkile okanye indawo yokudlela. Amabhanki acingisisa ngemali eyinkunzi, kodwa ngezinye iinkxalabo, kuba ukuba iqela lakho ishishini, bashiywe ngexabiso eliye lahla kwaye kufuneka bafumane indawo ethile yokuthengisa loo maxabiso, kwinqanaba lexabiso. Uyabona ukuba kutheni, kwibhanki, imali iyimpahla engcono.
Ukubambisana ukuze kukhuseleke iMboleko
Ukubambisana yinkcitho kunye neempahla zithengiso lomnikazi webhishini lokufumana imali mboleko. Ukongezelela ekubeni nekhredithi enhle, ubuchule obuqinisekisiweyo bokufumana imali, kunye nexabiso lemashishini, iibhanki ziza kufuna ukuba umnini-mhlaba athembise impahla yakhe njengemboleko yemboleko.
Amabhanki afuna ukubambisa ngenxa yokuba bafuna ukuba umnini-shishini ahlupheke ukuba ishishini litshatyalaliswa. Ukuba umnini akangabikho ukubeka nayiphi na impahla, angase ahambe kude nokungaphumeleli kweshishini kwaye vumela i-bhanki ithathe oko inokuyenza kwizinto eziphathekayo. Ukuba nomngcipheko kumngcipheko kwenza umnini-shishini ukuba asebenze ukugcina ibhizinisi lihamba, njengoko iibhanki ziqiqa.
Ukongeza i-4 C yeM Credit
Njengoko ubona, xa kuziwa ngetyala, inkulumo endala ethi "ibhanki kuphela ukuboleka imali kubantu abangenayo" yinyaniso. Ukuze ufumane umboleko wezoshishino, uya kufuneka:
- Unomlinganiselo ophezulu kakhulu wokuthenga ngetyala , zombini kunye nezoshishino
- Uyakwazi ukufaka ubungqina boshishino lwakho luya kuvelisa imali engenayo ukuhlawula umboleko webhanki
- Bonisa ukuba i- asethi yoshishino ixabiso xa ifuna ukuthengiswa ukuhlawula ibhanki, kwaye
- Ukubambisa iifayili zakho xa kuthe ishishini lingaphumeleli okanye ufumene umnxibelelwano onobunini .
Kwezinye iimeko, kunokuba lula ukuba uthathe imali yakho kwaye uqale iqela lakho.