Qala Ukukhangela iNkqutyana Elincinci Ukuqalisa Imali kufuphi neKhaya
Impendulo:
Iipokethi Zakho
Ukuqalisa imali kwi-shishini elincinci , abaninzi abantu abaqala amashishini abo bafikelele kwiipokhethi zabo kuqala-nokuba ngaba bazimisele ukufumana imali ngeebhanki ngendlela encinane yemali mboleko kwiziko lemali okanye uhlobo oluthile lokuxhaswa kwemali evela kwiselosi abatyali-zimali okanye abaxhasi bezimali .
Ukuba awufikeli ephaketheni lakho kuqala, mhlawumbi uya kucelwa ukuba uzama ukufumana imali.
Phantse bonke ababoleki okanye abatyali-mali balindele umntu ofuna umboleko wezoshishino okanye utyalo-mali ngokulinganayo ukuze wenze igalelo lomntu. Ukuba awuqinisekanga ngokwaneleyo kwingcamango yakho yezoshishino ukubeka umngcipheko wokwenza utyalo-mali, ucinga ukuba kutheni omnye umntu?
Ukuba awunayo imali ekulungele ngesandla, jonga kwii- asethi zakho njengemithombo enokwenzeka yokuqalisa imali kwi shishini elincinci. Oku kubandakanya indawo yokuhlala, izithuthi, i-akhawunti yomhlalaphantsi, iifowuni kunye nezibophelelo, okanye nayiphi na enye impahla leyo ingahlawuliswa, ithengiswe ngemali, okanye isetyenziselwe ukuxhamla .
Iimali mboleko zemali zentengo enye yeendlela ezichanekileyo zokuboleka njengoko amaxabiso enzala aphantsi kakhulu xa kuthelekiswa nezinye iintlobo zemali. Amaziko ezeemali aza kuhlawulela u-80% wexabiso lekhaya. Kwesinye isiphelo sembala, amakhadi enkokhelo ngumthombo oqhelekileyo wokuqalisa imali kubarhwebi abasemagqabini abahlwempuzekileyo nabanamanani aphakamileyo anomdla.
Usapho kunye nabahlobo ("Love Money")
Yintoni ongayenza ngokufumana imali ukuqalisa ishishini lakho ukuba iipokoththi zakho zingenanto? Unokubuyela kwisihlandlo sesibini esithandwa kakhulu seenkampani zokuqalisa zokuqala-shishini - usapho kunye / okanye abahlobo. Olu hlobo lwesibonelelo semali esincinci luhlala lufumana uhlobo lomboleko.
Izibalo zibonisa ukuba malunga nama-50% wabasomali abazimeleyo kumashishini ngamalungu entsapho, ama-30% ngabahlobo kunye nabamelwane, kwaye intsalela yabasebenzi okanye abangaziwayo. Ngaphandle kokuba nezinga eliphezulu lokuthembela kuwe, umtyalo-mali omeleyo kufuneka abe nako ukuhlawula imali kwi shishini lakho. Abaninzi-mali abatyali-bucala banamathuba amaninzi afikelela kumntu onamava angaphambili.
Enye yeenzuzo eziphambili zentsapho / umxhasi wemali uguquguqukayo. Usapho kunye nabahlobo:
- Kungenzeka ukuba bafune ixabiso eliphantsi lokubuyisela utyalo-mali
- Kungenzeka ukuba balinde ixesha elide ukufumana imali yabo
- Mhlawumbi kufuneke ukuba udinga
- Akunakwenzeka ukuba uhlolisise isicwangciso sakho seshishini kwizinga elifanayo njengeziko lemali
Ukuboleka kubahlobo kunye nosapho banokubangelwa neengozi:
- Imali evela kwelinye lamalungu omndeni kwelinye iyakwenza umona kunye / okanye intukuthelo phakathi kwamalungu entsapho.
- Ukuba ishishini aliphumelelanga kwaye awukwazi ukuhlawula umboleko (b) ulwalamano lwakho kunye nosapho / umthengisi (okanye) umboleki (okanye umhlobo) unokuthi unganakunaphakade.
- Intsapho okanye abahlobo abaye batyala imali kwi-business ventment bangavakalelwa kukuba banelungelo lokwenza okanye ukuthatha inxaxheba kwizigqibo zoshishino.
Ukuphepha imiba evela ekungabikho kokucacileyo qinisekisa ukuba (kunye negqwetha lakho) ufumana amaphepha afanelekileyo kwimali mboleko, ukupapotha iinkcukacha ezifana nemirhumo yokubuyisela, inzala, kunye nokuba ungumnikazi owenzayo izigqibo malunga nokusebenza kweshishini.
Ukuphonononga kwaye usayine amaxwebhu kunye nosapho / umthengisi okanye umboleki.
Amabhanki namanye amaZiko ezeMali
Kwaye umthombo wesithathu ogqithiseleyo wemali yokuqalisa iqela lemali yinkampani yemali ekhankanywe ngaphambili, njengeebhanki, imibutho yamatyala kunye ne-casse populaires. Amaziko emali ngokubanzi ayanqwenela ukuboleka amashishini amancinci. Ukwandisa iziphumo zakho zokufumana olu hlobo lwemali yezoshishino, kuya kufuneka ukuba:
- Isicwangciso esicacileyo seshishini
- Ixabiso elifanelekileyo lokuthenga ngetyala kunye nokudibanisa
- (Okukhethekileyo) irekhodi eliqinisekisiweyo kunye namanye amashishini
Ngaphandle kokuba ngaphezulu kwakho amathuba okufumana imali mboleko kwiziko lemali lincinci - i-statistically 80% yabanikazi bamashishini abancinci banqatshelwe imali evela kubabolekisi bamaziko.
Ezinye iimithombo zokuqalisa iMali
E-US, i-SBA inikezela ngeenkqubo ezahlukeneyo zemboleko zokuncedisa amashishini amancinci, kuquka ukuqala.
Urhulumente waseKhanada unikezela ngemali ekhethekileyo yokuqalisa ngokutsha kwamashishini ngeBhanki yeNtengiso yeCanada (iBDC).
Ukuba ungumfazi osomabhizinisi wase-US, unokufuna ukufaka izicelo zezinye zezibonelelo zeBusiness Small Grants .
Imali-mboleko yeShishini elincinci kwabasetyhini eCanada inikeza ulwazi malunga nemali-mboleko emancinci yamashishini atholakala kuphela kubafazi.
Ukuba iimfuno zakho zokuqalisa iimali zingaphantsi kweedola ezingama-20,000, umboleko omncinci unokuba yiloo nto oyifunayo. Jonga Imali-mboleko yeMancinci eMancinci: Ingaba ishishini lakho lifuna i-Injecting Capital? (I-US) kunye ne- 20 Imithombo yeMali-mboleko eMancinci yokuQala iBusiness Canada.
Ukuba ucinga ngokufuna i-mboleko encinci yebhizinisi lakho elitsha shishini, Indlela yokufumana i-Small Business Loan ichaza indlela yokwenza isicelo sokubolekisa ngokuphumelelayo.
Bona kwakho:
Imithombo Yoshishino Ukuqalisa Imali
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