Ukufumana iMboleko yeShishini elincinci kunzima
Ngelishwa, amaziko emali abizwa ngokungafuni ukuboleka amashishini amancinci - ngokubhekiselele kuphando olutshanje olwenziwe kwinqanaba labangaphezu kwezi-10 000 abafake izicelo zemboleko kwi-US 82% banqatshelwe imali ngebhanki .
Ukuxhaswa kwamashishini amancinci, ngokukodwa ukuqala, kuyisisombululo esiphezulu seebhanki kunokuboleka imali okanye ukuboleka amabhizinisi amakhulu, asekwe.
Ukongezelela, xa kunikezelwa iindleko zokubhala phantsi, ukuqinisekiswa kunye nokuqhutyelwa kwemali-mboleko encinci kufana neyona enkulu, iibhanki zinokwandisa inzuzo yazo ngokugxila kwiimali-mboleko ezinkulu kumashishini amakhulu (amashishini amancinci afuna iimali eziphantsi kweemali eziphantsi $ 500,000). Kanye kunye nokwenyaniswa ngokuxhaswa ngezimali rhoqo, amashishini amancinci ahlala akhokhela amanqanaba aphezulu aphezulu kwimali-mboleko kunamashishini amakhulu.
Cinga ukuba unokuba nekhredithi ephezulu kakhulu yekhredithi kunye nesicwangciso esicacileyo seshishini kwaye ungasakwazi ukufumana mboleko encinci yebhankini ngenxa yokuba ungenayo ibhokhwe . Nangona abantu abasemgangathweni bangakwazi ukuzifumana kwesi sikhundla, ukuba abanalo iimpahla ezibonakalayo ezibonakalayo, ezifana nezindlu okanye ezinye ipropati.
Ngamanye amazwi, umboleko omncinci wezo shishino awuvunywanga kwizinga lakho shishini; sinikezelwa kwiimeko zakho zemali.
Yingakho kubalulekile ukuba indlu yakho yemali isetyenziswe ngaphambi kokuba ufake isicelo semboleko encinci yoshishino.
Uya kufumanisa ukuba abaninzi ababolekisi nje ababoneleli ngembewu. Nangona bekulungele ukunikela ngemboleko encinci yezoshishino ukuze bancede ibhizinisi likhule, abafuni ukuthatha ingozi yokuboleka imali.
Konke okutshoyo, unethuba elingcono lokufumana imboleko encinci yamashishini ukuba uyazi ukuba ukhangeleke kwaye uzilungele ukuhlangabezana nokulindela umboleki. Qhubeka ukhumbule ukuba ukuqwalaselwa ngokubanzi kwababoleki kukulawulwa kwengozi kunye nokuvunywa kuya kubakhokelela ekuhloleni kwabo ukukwazi kwakho ukuhlawula umboleko.
Ukwandisa iziganeko zeSicelo seMboleko esiphumeleleyo
Ngaphandle kokubambisana okwaneleyo, amaziko emali aya kufuna ezi zilandelayo ngaphambi kokuqwalasela isicelo somboleko:
- Icandelo locwangciso loshishino oluchazela inkampani yakho, iimveliso, i- market target , abasebenzi, ukuhamba kwemali kunye nezinye izicwangciso zemali, njl. Ibhanki zihlola izicwangciso zoshishino ukuziqinisekisa ukuba ishishini ababoleka ngalo liyakwazi ukuphumelela. Ngaloo ndlela, isicwangciso seshishini sifanele sibonise imodeli yezoqoqosho esomeleleyo exhaswa ngulawulo olufanelekileyo.
- Ukuba ungumcimbi osisiseko, ulwazi olunjengemali-mboleko / imbali yemboleko, iibhanki zebhanki kunye nolunye ulwazi oluxhasayo lwezezimali. Kufuneka udibanise ii-akhawunti ezifunyenweyo kunye neengxelo ezihlawulwayo, kunye neenkcukacha ezivela kubathengisi abonisa ukuba unembali eqinile yokwenza iintlawulo ngexesha. Ekugqibeleni, faka iibhalithi , iirejista zerhafu, kunye (ukuba kunokwenzeka) iingxelo zemali eziphicothiweyo zeminyaka embalwa edlulileyo yezoshishino.
- Isishwankathelo somntu siqu, kuquka iinkcukacha zezinto ezifana nepropati, izithuthi, utyalo-mali, njl. Kunye namatyala njengemali yokubolekwa kwemali, iimali mboleko, ityala lekhadi lesikweletu, njl njl.
Qaphela ukuba iibhanki ziza kufuna kwakhona i-inshurensi yesikhorensi kwimali-mboleko yezoshishino, ehlawulela ukuhlawulwa kwemboleko kwimeko yokufa okanye ukukhubazeka komnini-shishini.
Ukufumana okungakumbi ngokunyusa amathuba okufumana imboleko encinci yebhankini, jonga ukuba ungafumana njani iMali-mboleko encinci .
Iimanyano zetyala zinokuthi zibe ngcono kwiBhanki
Imanyano yematyala iyimithombo ebaluleke kakhulu yokuxhasa ngemashishini amancinci. Ngokwe-Huffington Post: "Ukususela ngoJuni 2007, ukuqala kweengxaki zemali, ukuya kuDisemba 2015, iimali-mboleko ezincinci zezo shishino ezithe zagqitywa kwiimanyano zemali-mboleko ziphindwe kabini-zikhulayo ngokungekho ngaphezu kwama-130% ngeli xesha.
Le mboleko kwiibhanki iyancipha ngo-10% ngeli xesha. "
Imanyano yemboleko yincinci, amaziko athile axhomekeke kwimihlaba kwaye ngokunjalo anakho ukubolekelela amashishini amancinci kuluntu lwabo. Amabhanki, ngakolunye uhlangothi, azuze awona mkhulu kwaye angaphezulu kwelizwe (kunye nakwamanye amazwe) ngokudibana kunye nokuthengwa. Eyona nkulu iziko izigqibo ezincinci (njengemigaqo-nkqubo yomboleko) zenziwa kwinqanaba lendawo.
Umzekelo: Isicelo sikaSteven somboleko omncinci wezo shishino satshatyalaliswa ngenxa yokuba wayengenayo nayiphi na imali.
IiNgxowa-mali zoLuntu
IiNgxowa-mali zoLuntu-mali zintlangano engeyona inzuzo ezinikezelwe ekuncedeni abantu abangenakufumana iimali-mboleko abayidingayo ukuze bafike kwiinyawo zabo kwiziko lemveli-mboleko (njengebhanki okanye umanyano-mboleko), kaninzi ngenxa yokuba abanalo i-credit imbali okanye ibhondi yokuba iziko lemali lendabuko lifuna. Ezinye zeeNgxowa-mali zoLuntu zoLuntu ziya kunceda abantu abaneengxelo zemali ezingenakudla (nangona banokuthi bafune ukuba uhambe ngeengcebiso ngekhredithi).
Ngoko ukuba ungekho imbali yesikweletu okanye udibaniso ngenxa yokuqhawula umtshato, ngenxa yokuba ungumfuduki omtsha okanye ngenxa yokuba usemncinci, okanye ukuba unesiseko semali esikhokhwayo ngenxa yemicimbi yokubuyisela imali, i-Local Loan Fund yakho yendawo ingathanda ukunikela umboleko omncinci webhishini.
Ibhizinisi lakho kufuneka libe yindawo, nangona kunjalo. IiNgxowa-mali zeNtlalo-mali zifumana i-capital capital yazo kwiindawo zabo. Nangona enye ingxowa-mali ingabancedisa inkxaso karhulumente, ngokugqithiseleyo ubuninzi beemali-mboleko zivela kwiityalo eziceliwe kwiicawa, amaqela enkonzo kunye namashishini angingqi.
Imali eyahlukeneyo yoLuntu yeMali yeeNgxowa-mali i-parameters yemali ehlukeneyo ukuze ungabhale ngokukhawuleza njengokuba umthombo wemali yokuqalisa okanye imali yokwandisa ishishini lakho elincinci; Ukuba ukhangele imali encinci yemali-mboleko, ngokukodwa ukuba uqalise ishishini, ngokuqinisekileyo kufuneka uhlolisise ne-Local Loan Fund yakho yasekuhlaleni ukuba ubone ukuba unokufaneleka.
Ngaphambi kokuba ufake isicelo seFund Investment Fund
Yonke yale Mali yeeNgxowa-mali zoLuntu ifuna ukufumana isicwangciso sobume esiqinileyo njengenxalenye yesicelo sakho. Ukuba awunayo, ukubhala kwam Isicwangciso seShishini soShishino oluqala ngeSicwangciso seShishini soShishino siya kukukhokela kwinkqubo yokubhala enye.
Bona kwakho:
IsiCwangciso seShishini sokuQala ngokuQala