Ukuzinzisa ukuhamba kwemali kodwa uhlawule kuphela oko usebenzisa
Abanini-mali basoloko behlangabezana nobunzima bokulawula ukuhamba kwemali ngenxa yeemfuno zemali zonyaka kunye neengcambu zexesha phakathi kweemfuno zentengo kunye nokuzaliswa kwengeniso. Oku kuyinyani ngokukodwa kwimihla yokuqalisa ishishini ngexesha lokuqala kwamaphulo ekuphuhliseni xa bengenabo abahlukeneyo ngokwaneleyo ukuvelisa ukuhamba kwemali rhoqo. Emva kokuba kuthengwa i-inventory, kuyimfuneko ukukhwela umjikelezo kude kubekho iikhompyutheni ezifunyenweyo ziqokelelwe.
Ngaphandle kwemali eyaneleyo yokusebenza, ingxaki enkulu yokungena kwemali iyakhula. Ezi ntlobo zeengxaki zokuhamba kwemali ziye zaphoqa abashishini abaninzi ukuba bavale amashishini awenza imali kwiphepha kodwa aphelelwe yimali.
Iimali zeentengo zemali zihlala kwiimfuno zeentengo zekredithi zeshishini lakho kunye nokuhla kunye nokuhla kwezimali zakho. Ziyakwenza ukuba uthenge i-inventory ngokulindela ukuthengisa kwexesha elizayo. Xoxa ngokuseka umgca wekhredithi kwibhanki yakho ekuqaleni kobudlelwane bakho. Ukuba uqala nje ishishini lakho, ibhanki mhlawumbi ayiyi kunika umgca wekhredithi ngokukhawuleza.
Umgca wekhredithi ngumgangatho ophantsi wenkonzo obonelelwa ngamabhanki amaninzi akhonza amashishini amancinci. Ukufumana imboleko evunyelwe kuxhomekeke kwikhono lomsebenzi wokubuyiselwa kunye / okanye impahla ye-ownership yomnini, umzekelo, i-mortgage yesibini kwikhaya, isabelo samasheya kunye nezibophelelo, okanye isabelo semali yemali ye-inshorensi yobomi bomshuwalense.
Amabhanki aya kwandisa umgca wesikweletu okhuselekile kwiindawo ezininzi zokuqalisa. Umgca unokungakhuselekanga ukuba ishishini liyakubonisa ukufumana umvuzo ohlalayo, isikhundla esiphezulu semali, kunye nemithombo emininzi yokubuyisela. Ngokwesiko, iibhanki ziza kwenza ixabiso elithile elichongiweyo apho uvumelekile ukuba udwebe njengoko kuyimfuneko.
Unelungelo lokubuyiselwa kwaye uboleka kwakhona ngexesha elivunyelwene ngalo, ngokuqhelekileyo aliyi kudlula umnyaka. Uhlawula umyinge kuphela kwinqununu ephumayo.
Ukongeza, ibhanki kufuneka ikwazi ukuba uza kubuyiselwa njani umgca xa umthombo wakho wokuqala wokubuyisela ungafihli. Ibhanki ibheka ukunyaniseka okwaneleyo kwimisebenzi yakho ukulungiselela ukuguqulwa kwexeshana kwiimeko ezimbi. Yintoni eyenzekayo xa ufumanisa ukuba i-inventory yakho ayithengisi njengoko iprojekthi? Ziziphi iimvelaphi zesekondari ezifumanekayo?
Amabhanki anokufuna ukuba uhlawule umgca wakho wekhredithi xa ungayilandelanga ishedyuli yakho yentlawulo, nangona inani lemali olibolekayo alikho ngenxa yeenyanga eziliqela. Amabhanki ayithandi ukuvuma imigangatho yeebhanki ekusebenziseni ekulawuleni ukuhamba kwemali. Kunoko, imizila yekhredithi ijoliswe kwiimfuno zokuboleka ngokukhawuleza ngexesha elikhethiweyo lokuhlawula. Ukungaphumeleli ukubuyisela imali kwishedyuli kubonisa ingxaki enokukwazi ukulawula imali.
Iingcebiso ze-Smart zokuSungula iNqaku leNgxowa-mali
- Ininzi ibhanki ayiyi kukhupha umgca wekhredithi kumsebenzi omtsha ngaphandle kwesiqinisekiso somntu siqu sokubuyisela.
- Ukuba ishishini lakho lilo elitsha kwaye ibhanki ayinelisekanga ngemithombo eyintloko kunye neyesekondari yokubuyiselwa kwemali, inokucela ukuba udibanise uqobo lwakho ukuze uqinisekise umboleko.
- Ukuba iqumrhu lingabambisene okanye iqumrhu elinenqununu engaphezu kweyodwa, ibhanki iya kuhlawulisa imali mboleko kuzo zonke iinqununu ezibandakanyekayo ukufumana umgca wesikweletu.
- Kumele unikeze amaxwebhu asemgangathweni asemali alandela iindlela zokugcina iimali zokufumana i-credit credit line.
- Ngaphandle kokuba usuqeshwe kakuhle, kufuneka unikezele ipro forma, oko kukuthi, ukujonga phambili, iimali zokuhamba kwemali ezibonisa ukukwazi kwakho ukuhlawula imali. Iingxelo zamanani kunye neengxelo zengeniso ziya kufuneka.