Iinkonzo kunye neNgxowa yeGrant Guarantee
Ukuthengisa kuyingozi yotyalo-mali kumabhanki kunye nababolekisi. Nokuba uMbutho wezeNcinci wamashishini (i-SBA) ngoku kufuneka ukuba zonke iitaliti ezibonelelwe nge-SBA kufuneka ziqinisekiswe ngabanye abanama-20 ekhulwini okanye ubunini besitolo.
Xa usayina njengesiqinisekiso somntu siqu kwinqwelo yesitolo sakho sokuthengisa, ityala elingaqinisekanga. Ngamanye amazwi, awubhalisi indlu yakho njengobuncwane. Nangona kunjalo, ukuba ityala alihlawulwa, unelungelo lokuhlawula loo nto-oko kuthetha ukuba ababolekisi bangakwazi ukuza emva kwakho, oko kungakuhlawula indlu okanye imoto yakho ukuba ufanele uthengise ukuba ukwanelise ityala.
Ngokuqinisekileyo, xa ishishini lifumana ngokwaneleyo, ziya kwamkela izitatimende zezimali endaweni yesigunyaziso, kodwa leyo yoshishino elikhulu, kungekhona umnini-ntengiso. Ngaphambi kokuba usayine umgca onobubanzi, kufuneka uqhagamshelane nomcebisi okanye iqabane. Xa ungumnini, kulula ukuba nenkolo ephosakeleyo kwisitorethi sakho. Emva kwakho konke, umgca we-$ 500 wekhredithi kunye nomthengisi awukho nto enkulu, unokucinga. Kodwa enye i-akhawunti engalunganga ibenokubeka bonke engozini. Abathengisi abaninzi basebenzisa "into" ukuqokelela amatyala abo. Lo ngumsebenzi wokubala okhutshwe ngaphandle ochaphazelekayo ochaphazelekayo - umgangatho ofanayo usebenza kubathengisi abahlukahlukeneyo.
Ngoko ukuba uyazibuza njani ukuba abanye abathengisi bafumana njani kwihlabathi? Ngoku uyazi.
Sondela kwisigqibo sokusayina isiqinisekiso sakho esifana nezo zonke izigqibo zoshishino lakho. I-Cash yinkosi ekuthengiseni . Xa ushayayo iyancipha ekuthengiseni (kwaye uya kuthi) unomnatha wokhuseleko. Abaninzi abanikazi bamashishini bancinci bakhetha ukusebenzisa imali yabo yokugcina imali kunesiqinisekiso, esinalo.
Kodwa khumbula, i-solvency yephupha lakho isekelwe ekubeni unayo imali ekhoyo ukuze uyihlawule. Ndihleli ngaphesheya kwitheyibhile yabathengi abaninzi abatshitshiswe yiP & L abathi bayenza imali, kodwa abanakho ukuhlawula iibhotho zabo; abanako ukuphuma kwemali kwishishini.
Iingozi
Kukho iindlela ezininzi zokuhlawula ibhizinisi lakho lokuthengisa , kodwa zonke ziya kubandakanya umngcipheko othile kwinxalenye yakho. Umzekelo, ukuba usebenzisa i-401k yakho ukuqala, oko kubeka umhlalaphantsi wakho engozini. Okanye ukuba uboleka kwilungu lentsapho, loo nto ibeka ubuhlobo bakho engozini (kwaye mhlawumbi isimemo sakho kuMbulelo Wokubonga.)
Kucacile ukuba, ingozi enkulu yikratshi yakho okanye inkokhelo yakho ukuba ufanele wenze kakuhle kwityala.
Omnye umngcipheko unokuba ngumlingane wakho. Uninzi lweebhanki liza kufuna ukuba iqabane lingasayinela ukuba inani lemali-mboleko lingaphezulu komda othile.
Xa kuthelekiswa nezinye iifom zenkxaso-mali ezingabandakanya iintlawulo zenzalo, isiqinisekiso somntu siqu sibonakala singabizi. Kodwa oko akunjalo ngaso sonke isikhathi. Yiba nenjongo xa wenza isigqibo. Uze uqaphele apho ubeke "uphawu" lwakho njengesiqinisekiso somntu siqu. Abathengisi abaninzi abanakucacisa ukuba baninzi kangakanani abasayine isiqinisekiso kwaye ngoko abanalo ingozi yokuphupha kwabo.