Phantse zonke iiBhanki zifuna ukuBambisana kwamashishini amancinci
Ubutyebi bubhekiselele kwizinto ozilungele ukuzimisela ukukhusela i-credit, njengemboleko encinci yeshishini .
Iimali ezisebenzisa iimpahla ezibonakalayo njengezibambiso zibizwa ngokuba yimali-mboleko ekhuselekile (ngokuchasene nemboleko engaphephile). Ukuxhamla kwemali-mboleko ekhuselekileyo kukuba kaninzi banomyinge omncinci wenzalo ngaphandle kwemali-mboleko engaqinisekanga.
Kodwa ukufumana inzala engcono (okanye ngamanye amaxesha nayiphi na imali mboleko) ingaba yingozi; Ukuba awukwazi ukuhlawula umboleko wakho njengoko kuhleliwe, i-asethi oyisebenzisileyo njengebhanki iya kuthathwa kwaye ithengiswe, kwaye imali ephakanyiswe ngokuthengisa i-asethi iya kusetyenziswa ukubuyisela imali mboleko.
Yingakho abanini-mboleko bebathandana; ukuba imali mboleko iya ezantsi, iya ku fumana into ekukwenzeni imali.
Iifom zokuBambisana
Indlu yakho, imoto yakho, ipropati, okanye izixhobo yonke imimiselo yezinto ezibonakalayo onokukwazi ukuyisebenzisa njengezibambiso zokuxhaswa kwetyala . Ngokukodwa, i-asethi kufuneka ibe nesihloko sobunikazi ukuba i-lending institution ingabamba ukuba umboleko awuyi kubuyiselwa.
I-asethi eneengxowa-mboleko ezigqithiseleyo (njengendlu ephethe imali) ingasetyenziselwa ukuba ibanjwe ukuba ibhanki ingathatha umboleko okhoyo kwaye ibange itayitile.
Kwiimashishini, izinto ezifana nezixhobo zingasetyenziselwa ukuba zithengiswe. Ngokomzekelo, ishishini elifuna umboleko ukuthenga i-trailer entsha inokukwazi ukusebenzisa i-trailer yokubambisa. Iimali ezihlawulwayo ishishini ( IiAkhawunti ezithengwayo ) nazo ziyafaneleka. Ukuba, umzekelo, ishishini lifumana umyalelo omkhulu weenkonzo okanye izixhobo kodwa zifuna iimboleko zesikhashana ukuba zithenge izixhobo ezivela kubanikazi bezabelo okanye ziqeshe abasebenzi abongezelelweyo ukuzalisekisa umyalelo, umyalelo ngokwawo unokubambisa.
Ixabiso lokuThengisa
Xa ukhangela i-asethi, ngokukodwa umbolekisi uqhuba inkqubo yokuhlola kunye novavanyo lokuphonononga uhlolo lokujonga ixabiso lemarike. Nangona kunjalo, ukubaluleka kokubambisa ngokuqhelekileyo kufutshane nomlinganiselo "wokuthengisa umlilo" kunokuba ixabiso lentengiso elithengileyo. Kwimeko apho umboleki-mali ufuna ukuthengisa impahla ebolekileyo yokubambisa imali yokufumana imali ehlawulwayo, banokuhlawula ixabiso kwixabiso lokuthengisa ngokukhawuleza.
Imilinganiselo yokubambisana nayo ingatshintshwa kakhulu ngexesha. Kwixabiso lemarike yexabiso leempahla, umzekelo, ixabiso lexabiso lempahla yendlu kunye nepropathi ingaba yinto encinci xa umboleko kufuneka uhlaziywe kwaye ubophelelo luya kuphinda luhlaziywe.
Ukugqiba ukuba i-asethi ethile ifanelekile njengobuncwane kunye nokuba kulungile kangakanani ukufikelela kwinqanaba lomboleki. Ngokuqhelekileyo umboleki-mali uya kubela ixabiso lentengo ngokuhambelana nomngcipheko obonwayo. Ukuba izinto eziphathekayo ziyimfuneko yecala kunye / okanye umngcipheko wokungagqibekanga uphezulu, umboleki uya kufuna ukuba inqanaba eliphezulu lemali mboleko-leyo idla ngokuba yimeko apho abanikazi bamashishini abancinci bafumana khona.
Iimpahla ze-Personal As Sharing for Finance Business Small
Ngokungafani namashishini amakhulu anokuba neefayili ezinkulu ezinjengepropati, izakhiwo, okanye izixhobo, amashishini amancinci okanye aphakathi ( ama-SME ) kaninzi akanalo naluphi uhlobo lwezinto ezifumanekayo kunye kwaye awanalo ilungelo lokuboleka imali kwiimali zezimali ngaphandle kokuba abanini ishishini lilungele ukubeka impahla yezinto eziphathekayo njengesiqabane (esaziwa njengeSigunyaziso somntu siqu).
Ukufungisa impahla yezinto eziphathekayo njengobambiswano kwishishini lithatha inqanaba eliphezulu lomngcipheko-nangona ukuba ishishini libandakanywa umboleki-mali angabamba impahla yomnini-mhlaba kwimeko yokungahlawuliswa kwemboleko.
Ushishino lwezeMali
Kubantu abaninzi abashishini abancinci, akukho shishini elaneleyo okanye udibaniso lomntu olutholakalayo ukufumana imali ebolekileyo kwiziko elibolekisiweyo; Kuya kufuneka bahlole ezinye iinketho ezifana nemali-mboleko emininzi kunye nemali yoluntu (ukuba imali efunwayo incinci ngokwaneleyo) okanye kuxhomekeke ekuxhaseni ngemali . Ngokuxhaswa kwemali kwishishini lakho lithatha abatyali-mali abafaka inkunzi kwi-ishishini ngokubuyisela isabelo sabalingani -baba ngabanikazi bezentengiselwano kwaye njengokuba banjalo ukuthetha kwindlela osebenza ngayo ishishini.
Utyalo-mali-mali ngokuqhelekileyo awela kwiiklasi ezimbini:
- Ingxowa-mali- ntengiso-ngokuqhelekileyo abantu abanomdla ophezulu abakhangela ukutyalomali ukuya kuma-100,000 kwii shishini ezinokunika izinga eliphezulu lokubuyisela kunezolimo zendalo. Kukho amaqela ezityalo-mali ezithengisa imali yazo ekutyala imali kumashishini.
- I-Venture Capitalists - amaqela obambiswano abonisa imali engancinci i-$ 1,000,000 kumashishini amisiweyo akhula kwaye adinga imali enkulu yokwanda.
Bona kwakho:
Indlela yokufumana iMboleko encinci yeShishini
Ukufumana Inkxaso-mali Yobuncinci
Ukufumana I-Small Business Qala Imali
Izinto ezili-10 ofuna ukuzazi malunga neNkxaso-mali yeShishini