Indlela yokuchonga ukuba ngaba abathengi beemali zetyala banikezela umgangatho wenkampani yakho
Abantu abanokuthenjelwa ukuba unokugijima xa unenkinga kwi shishini lakho unokuba ngababoneleli okanye abathengi bakho. Ukuba unako ukuzama ukuba nolwalamano oluhle nababoneleli bakho, ngoko unokuqiniseka ukuba unokufumana rhoqo iimpahla ngaphandle kokuba wenze i-payment front.
Ibhizinisi elinokubamba iqela labathengisi ukuba linikezelwe ngeempahla ngaphandle kokuhlawulwa kwangaphambili kubhekiselwa kuyo njengetyala lekhredithi . Nangona kunjalo, ngaphambi kokuba nawuphi na umrhwebi ohamba phambili kwaye wamkela i-credit yekhredithi kuye nawuphi na umthengisi, kuya kubaluleke kakhulu kubo ukuba bazi iindawo ezilungileyo kunye ezimbi zeentengo zemarike njengendlela yokuhlawula.
Abaninzi abasomashishini abazayo baya ku-yorhwebo ngetyala njengendlela yokuhlawula ngaphandle kokuba babe nolwazi lwangaphambili malunga nokuba lubandakanya ntoni. Ngoko namhlanje, sifuna ukukunika ingcamango enzulu yobomi kunye neqhinga xa ufumana imigangatho yemarike nabaxhasi. Nanku ukugqatso okukhawulezayo kweziphumo zentengiso yeentengo kubathengi.
1. Ukunikezelwa kweeMpahla eziqinisekisiweyo
Njengomntu woshishino, ukubonelelwa rhoqo kwempahla evela kubathengisi abathile ngexesha ngelixa elifanayo ukuthengisa ngokuqhelekileyo kubathengi kunokubakho ixesha elihle. Nangona kunjalo, ngamanye amaxesha kunzima ukuba nezinto zibe zihamba kakuhle phakathi kwakho, umthengisi kunye nabathengi bakho. Uninzi lwezihlandlo, ukubonelelwa kweempahla kunokuba nzima ngakumbi xa abathengisi befuna ukuhlawulwa kwangaphambili kwemali ngaphambi kokubonelela ngempahla kwi shishini.
Nangona kunjalo, nawuphi na umnini-shishini onomthengisi othembela kuye akayi kuba neengxaki nangona ukuba ukungena kwemali kweshishini kuye kwehla ekubeni umthengisi angavuma ukunika iimpahla ngezithembiso ukuba intlawulo yeempahla iya kwenziwa emva kwexesha umhla.
Le nzuzo enkulu enkulu yokuba nayiphi na ishishini lingafumana kubathengisi ababonelela ngeentengiso zemali. Ukuba uneshishini elinemvumelwano yezobathengisi nabathengisi ukukunikezela ngempahla enokuhlawulwa kwayo emva koko oku kukukunceda ukugcina ukuhamba kwemali. Oku kuqinisekisa ukuba unokuhlala unikezelwa kwempahla, nangona imali yakho ingahlali . Uyakwazi ukuthengisa iimpahla ezinikezelweyo, ujabulele inzuzo uze ubuyisele umthengisi ngexesha elivunyelwene ngalo.
2. Ushishino lweeNkcukacha
Enye yezinto ezifanelekileyo zokuba nomthengisi onokwethenjelwa onikezela ngempahla yinto yokuba uhlaziywa malunga neenguqu okanye ukuphuhliswa kwendlela yokunikezelwa kwezoshishino ozibandakanye ngayo uye wangena okanye uhamba ngaphina. Le nto yinto enhle ukuba nayiphi na ishishini lingafuna ukuba nalo ngaphandle kwemali kunye nolwalamano oluhle kunye nabathengi bakho nabathengisi, ulwazi malunga nomgca wokubonelela uncedo. Nabani na umthengisi owanikezele ngempahla ngokuqinisekileyo bahlale bedibana nawe ngenxa yemali ehlawulwa yoshishini.
Ekuhambeni kokukukhumbuza ngemali omele uyihlawule, ngokuqinisekileyo umthengisi uzabelana nawe malunga nokuqhubela phambili kwishishini. Umzekelo, umgangatho wamva weempahla oye wavela kunye nendlela onokuzilungiselela ngayo ngokuzayo. Ngaba akuyiyo into enhle kumntu ofuna ukuphumelela kwishishini? Ngokuqinisekileyo, kunjalo!
3. Kwangathi Unokwandisa i-Credit Your Worthiness
Ukuseka ubudlelwane obuhle kunye nomthengisi okanye inani elithile labathengisi linamathuba amaninzi kwaye ukwandisa ukuthenga ngetyala lakho ngenye yazo. Njani? Abathengi abaninzi kwihlabathi lokurhweba bahlala bexubana kunye kwaye ngokwenza njalo, kuza ixesha apho babelana khona malunga neendawo zokurhweba ngazo. Oku kuthetha ukuba xa umthengi wakho ephuma kwimpahla oyifunayo, angaya phambili aze axhume kunye nomnye umthengisi onempahla oyifunayo ngelo xesha.
Oku kuza kuvula iindlela zoshishino lakho ukuba zihlale zibonelelwa ngempahla evela kubathengisi abahlukeneyo ngaphandle kokuhlawulwa imali ngokuziswa kweempahla.
Oku, ke, kuza ngeendleko! Kufuneka ubonise ishishini lakho lekhredithi kwaye uthembeke. Ithetha ntoni le nto? Kufuneka uhloniphe zonke izivumelwano zakho ngokuhlawula imali efanelekileyo ngexesha elivunyelweneyo. Xa ukwenza oku, awuyi kuze kube nzima xa kuthengwa ukuthengwa kwempahla yokuthengisa, nokuba ngaba ishishini lakho liye lahlaselwa yinkathazo yezemali. Ikhredithi yezorhwebo evela kubathengisi iya kuba khona kuwe nayiphi na ixesha. Ngaloo ndlela, urhwebo lwekhredithi lunokwandisa ibhizinisi lakho 'lokuthenga ngetyala ngenxa yokuba luvula iindlela zokujongana nabathengisi abahlukeneyo.
4. Ukugcinwa kwemali
Kuba nayiphi na ishishini ekuphuhliseni, umnini kufuneka afumane iindlela ezizodwa kunye ezilula zokugcina imali kwi shishini. Ngaphandle kokuba neendlela ezinjalo, ishishini lakho linokuhlala li-cash-strapped okanye lijongene nobunzima bezemali ngenxa yokuphuma kwekheshi kwi-shishini . Enye yeendlela ezilungileyo kunye nokugcina imali kwi shishini lakho ngokufumana urhwebo lweentengo kubathengisi. Oku kuya kukuvumela ukuba ufumane iimpahla kubathengisi, uthengise kwaye uhlawule kamva iimpahla ezivela kumthengisi. Ngamanye amagama, awuyi kusebenzisa imali yakho ukwenza ishishini kodwa kunokuba uthengise iimpahla egameni lomthengisi kwaye ujonge inzuzo. Oku kuya kunceda ukwazi ukugcina imali eninzi kwi-shishini lakho elingasetyenziselwa olunye uphuhliso lwezoshishino.
5. Ukuzonwabisa ngeeRikethi zeRhwebo
Ukuze naliphi na umrhwebi onikezelweyo ukuba ajabulele ukuqhuba ibhizinisi, kufuneka aqiniseke ukuba iindleko zokuqhuba ishishini zincitshiswa. Ukuba akunjalo, kunokuba nzima kakhulu kumnini-shishini ukuba ajabulele izinto ezilungileyo kwihlabathi lezoshishino. Unokwenyula ukunciphisa iindleko zokuqhuba ibhizinisi lakho ngokubandakanyeka kwintengiso yeentengo kubathengisi bakho . Xa umthengisi ekunikezela ngempahla kwi-ngxowa-mali, kukho isaphulelo sepesenti onokuyithandayo ngokuxhomekeke kwindlela okhawulezayo owenza ngayo intlawulo. Ekuqaleni wenze inkokhelo, ephakamileyo isaphulelo sepesenti oyifumanayo. Isaphulelo esinikwe ngokwenene siya kunciphisa iindleko zokubonelela kwaye ke kukukunceda ukuba wenze inani elikhulu lenzuzo xa iimpahla zithengiswa.
Ingxowa yeRhwebo yeMali kuThengi
Nangona kukho ezininzi iinkqubo zokuthengisa ngetyala ukuba nayiphi na umnini-shishini onokuyonwabela, kukho enye icala kwicala ekufuneka ukhangele kuyo phambi kokuba unqume ukunikezelwa ngorhwebo ngetyala nawuphi na umthengisi. Njengoko kushiwo ngaphambili, ukufumana iitaliti kubathengisi kuza kunye nezilungelo ezithile omele uzilumkele kuzo. Nantsi ukuphazamiseka okukhawulezayo kwintengiso yeentengo zemali kubathengi.
1. Iindleko eziphezulu
Xa uvumelana nomthengisi othile ukuba anikezele ngeempahla, kufuneka ulungele ukuhlawula izigwebo xa ungeke uhlawule iimpahla kwiintsuku ezingama-30. Uninzi lwezihlandlo, isohlwayo ibalwa njengepesenti kwaye emva koko uya kubuyiselwa, iphakamileyo isohlwayo okanye kunoko inzala yenzalo kwaye ke iphakamileyo iindleko zeempahla kuba iindleko zeempahla ziya kuba phezulu. Oku kuthetha ukuba ukuba ufuna ukugcina iindleko zokuqhuba ibhizinisi lakho kwinqanaba eliphantsi, kufuneka wenze intlawulo yeempahla kwimihla yokuqala eyi-10 okanye kwisithuba seentsuku ezingama-30. Emva koko, usengozini yokuphakamisa iindleko zeempahla eziza kuguqulela ngokuzenzekelayo kwiindleko eziphezulu zokuqhuba ibhizinisi lakho. Ngako oko, urhwebo lweentengo lugcisa kuphela kubathengi abenza intlawulo yokuqala kwintengiso, oko kukuthi ngomhla we-10. Ngoko ke, kukulungele ukuba ulinganise iindlela ezahlukeneyo ngaphambi kokuba usebenzise ukuthenga i-credit ngetyala ngenxa yokuba ngamanye amaxesha kunokuphakamisa iindleko zokuqhuba ibhizinisi lakho.
2. Impembelelo kwiNqaku lakho leNqaku-mboleko
Le nto yinto ebalulekileyo ekufuneka ube nayo engqondweni yakho ngaphambi kokuba uzibandakanye kwi-yorhwebo yeentengo. Oku kubangelwa ukuba i-credit credit ingagqiba ukuphazamisa ukunyaniseka kwentengo yakho yekhredithi xa uqhubeka uhlawula ixesha elifutshane kubathengisi. Abanye ababoneleli bangabika ukuziphatha kwakho okungafaneleki kwentlawulo kwiivenkile zemali ezahlukileyo kwaye oku kuya kwenza ukuba i-credit yakho yekhredithi ayifanele. Ukuba ukuhlawulwa kwexesha elikufutshane olwabiziweyo kubhalwa kwii-bureaus, umlinganiselo wekhredithi webhishini lakho unokuba yinto ephantsi kakhulu. Oku kuya kwenza ukuba i-credit yakho ingenakufaneleka kwaye ngoko ungeke ufumane nayiphi na isikhungo ukuba ikunike imali mboleko nanini na ubunzima bezemali.
Oku kuthetha ukuba ukuba ufuna ukujongana neentengo zemarike kubathengisi, nqwenela kakhulu ukuba ngubani odibene naye. Kuya kucetyiswa ukuba usebenze nomthengisi ongeke akhathazeke ukunika ingxelo kwii-credit bureaus xa kwenzeka ukuhlawulwa ngokukhawuleza kwempahla enikwe. Okwesibini, ubandakanye kwi-credit credit xa uyazi ukuba uya kuba nako ukuhlonipha yonke imiqathango nemimiselo enikezwe ngumthengisi. Lezo ziindlela ezilungileyo kakhulu zokuthi ungakuphepha ukuhlawula i- credit rating yakho .
3. Iingxowa-mali zoMngcipheko
Amanye amashishini enza kakuhle ngexesha lamaxesha ahlukeneyo kwaye ngexesha elifanayo liyancipha ngamaxesha athile. Oku kuthetha ukuba xa uqhuba inkokhelo yorhwebo, umthengisi okanye umthengisi akanandaba nokuba ishishini lakho liyakhula okanye liyeke; konke afunayo kukuba wenze iintlawulo ngexesha. Ikhredithi yezorhwebo iyathambile kakhulu xa ishishini likhula kodwa ngamaxesha afanayo kakhulu ngexesha loqoqosho. Oku kungenxa yokuba xa ishishini likhula, kukho imali ekulungeleyo engena kwi-shishini onokuyisebenzisa ukuhlawula iimpahla. Ngelishwa, xa ishishini lisekuhlaleni, ukuhlawula iimpahla kunokuba ngumnxeba onzima ukuba uqhekeke ngenxa yokuba impahla ayihambeli njengoko kulindelekileyo kodwa umthengi unyanzela ukuhlawula. Oku kunokwenza ukuba umnikazi webhishini asebenzise amakhadi ekhredithi yezoshishino okanye ahambe ngemali mboleko evela kumnye umthombo ukuze ahlawule umthengisi ngeempahla ezinikezelweyo.
Oku kungokuqala kweengxaki zemali kuye nayiphi na ishishini. Akunakucetyiswa kwishishini ukuba ahambe ngemboleko ukuze ahlawule omnye umboleko. Oku kuyona nto ebaluleke kakhulu ukuba urhwebi lorhwebo lunokukwenza. Oku kuthetha ukuba ngaphambi kokuba uzibandakanye kwi-credit credit, qiniseka ukuba uya kuba nako ukuhlawula abathengisi ngethuba lokubambisa kunye nexesha lokunciphisa i-shishini lakho.
4. Ukulahlekelwa kwabathengi
Xa usebenzisana nabathengisi abanikezela ngetyala leentengiso, kukulungile ukuba bakhumbule ukuba banemithwalo yemali ekufuneka bayenze ekupheleni kosuku. Oku kuthetha ukuba xa ungenzi iintlawulo zakho ngexesha, ungagqiba ukuphazamisa izicwangciso zabathengisi. Ithetha ntoni le nto? Ukwenza iintlawulo zexesha elifutshane kwiimpahla ezinikezelweyo kunokumlimaza umthengisi ngenye indlela. Ukuba uqhubeka neendlela zokwenza iintlawulo ezikhawulezileyo, ngokuqinisekileyo akukho mthengi oza kuthanda ukusebenza nawe kwixesha elizayo ngaphandle kokuba ikheshi kwi-delivery and not trading trade. Abathengisi abaninzi nabo badinga ukuhlawulwa ngexesha elifanelekileyo ukwenzela ukuba baqhubeke beqhuba amabhizinisi abo ngokufanelekileyo kwaye ukuba awuyihloneli imiqathango nemeko, usengozini yokulahlekelwa ngabathengisi abathembekileyo.
Ekugqibeleni, urhwebo lweentengo ezivela kubanikezeli banezibonelelo kunye neengxaki kwaye ngoko ke kucetyiswa ukuba nayiphi na ishishini ukuba liyiqonde ngaphambi kokubandakanya kule ndlela yezo shishino.