Iimboleko zoshishino ngaphandle kweSigunyaziso soBuntu: Kunokwenzeka okanye akunakwenzeka?

Amanyathelo okukhusela i-credit and personal responsibility

Ukufumana ikhredithi kwishishini lakho ngaphandle kweempawu zokuqinisekisa ukuba akukho nto ungayifeza ngobusuku obubodwa, kodwa kubalulekile, kwaye kunokwenzeka. Inyaniso ibhanki, kunye namanye amaziko emali angenakwandisa imigangatho yeebhanki okanye iimali-mboleko kwi-shishini ngaphandle komgcini-mboleko kunye / okanye udibaniso. Ngokumalunga nokunciphisa ingozi kumboleki kunye ngaphandle kokuba ibhizinisi lakho linemali eninzi okanye ezinye izinto ezinciphisa umngcipheko kulindeleke ukuba unikezele i-PG.

Ngoko usebenza njani ekufumaneni iitaliti ngaphandle kokunikezela isiqinisekiso sakho? Isitshixo sihambelana nesicwangciso esiqinileyo sokwakha i-creditworthiness yenkampani . Kubaqalayo, inkampani kufuneka igxininise ekusebenziseni ityala eliya kuba nefuthe elihle kwiingxelo zekredenti zenkampani. Eli nqaku liza kuchaza amanyathelo okufuneka uwenze ukuze ufeze oku.

1. Fumana ikhadi lekhredithi egameni lakho shishini. Amakhadi okuthenga ngetyala atholakala kumanani angqondo. Ngenxa yoko, kufuneka uzithenge ngeenxa zonke ukuze ufumane intsebenziswano engcono, ukhethe ukhethe amakhadi enkcitho yoshishino enika ingxelo kwiifayile zekredithi kuphela. Kufuneka kwakhona ubukele imimiselo nemirhumo yomthengisi. Kuza kuphelisa uninzi lwezandla kwinxalenye yakho xa kuziwa ekufakeni isicelo sekredithi eyongezelelweyo ngaphandle kwepg.
2. Zama ukufaka isicelo somboleko oqinisekisiwe wesithathu. Olu hlobo lwemboleko lusetyenziswa ngokubanzi ngamabhanki ukuba inkonzo yendawo ephazamisekile okanye ihlangabezana neemfuno zobuchwepheshe. I-Small Business Administration inikezela ngeenkqubo ezahlukeneyo zemboleko, kwaye iya kuqinisekisa ukuba i-85% kwimali-mboleko xa umbolekeki ehlala engagqibekanga. Kukho amaninzi omasipala abanikezela ngemali mboleko njengenkuthazo yamashishini ekutyalomali kwiindawo zabo.

1. Londoloza enye yemali evela kwingxowa-mboleko yoshishino engaqinisekisiwe kwenkampani yakho. Ngokukhawuleza xa ufumana imali mboleko, wabeka eceleni i-20 ukuya kuma-30 ekhulwini lemali-mboleko njengesihluthulelo ukuze uqinisekise ukuba iintlawulo zakho zemali mboleko zifike ngexesha. I-IRS ibona le mivuzo egcinwe okanye eqokelelwayo, kwaye ihlawulwa irhafu, kodwa ukugcina ezi mali ngasecaleni ukuze uqinisekise ukuba iintlawulo zakho zemali mboleko zenziwa ngexesha lifanelekile irhafu eyongezelelweyo, ungakhankanyi isakhiwo sembali yakho yentlawulo yenkampani. Sebenzisa le mali ukuze ubuyisele imali yakho mboleko. Kuza kwakha ikhredithi yakho yebhanki kwiminyaka emithathu ukuya kwiminyaka emihlanu ezayo.

1. Misela imigangatho eyongezelelweyo yomthengisi weentengo zemali ukudibanisa iphrofayili yakho yekhredithi kwaye uvumele i-akhawunti yakho igugile. Emva kokuba usuqine ukulinganiswa kweentengo zekhredithi zoshishino , uya kuba ulungele ukufaka isicelo sekhredithi yebhankini kunye nemigangatho emininzi yemali kunye nemigangatho efanelekileyo kuba sele ufumene idumela lekhredithi.

Emva kokuba usufezile onke amanyathelo, ngakumbi emva kokuba ubuncinane ubuncinane beenkcukacha zorhwebo, kufuneka ufumane unelungelo lokufumana ikhredithi yoshishino ngaphandle kwesiqinisekiso somntu. Okwangoku, nangona kunjalo, kukho iindlela onokuzenza "ukugudla" amathuba akho okukufumana ngokubeka idumela njengeshishini elinoxanduva. Ezi ziquka ukufumana amakhadi ekweretheni egameni lakho lebhizinisi kwiimashishini ezingafuneki isiqinisekiso somntu siqu. Ezi ziquka iSam Club Club® MasterCard®, esoloko igqithise umgcini-mboleko wakho kwiinkampani ezineentengo ezinkulu zonyaka.

Kuyavunywa, ukufumana ikhredithi yoshishino ngaphandle kwesiqinisekiso somntu siqu akulula, kodwa kuya kwenziwa. Qiniseka ukuba xa uzama ukufumana i-credit kunye nokufumana ubunzima, uhamba neengxaki ezifanayo malunga nokuba ngumnini-shishini ngamnye uphumelele kwaye waphumelela. Yimeko eqhelekileyo kunoma ubani osemgangathweni wokuqalisa ishishini.

Le nkqubo ingaba nzima ukunqoba, kodwa inokwenziwa, njengokuba kunjalo nabanamanye abanikazi bamashishini kulo lonke ilizwe.