Ngokubhekiselele kule nto, abanini bezoshishino bancike kwiinkxaso zabanye ukuxhaswa ngamashishini abo oku kuthetha ukuba iimali zokubolekwa kwemali, amakhadi esikweretheni, kunye nemali-mboleko yemoto zithintela ubuchule boshishini ukuba bafanele ukufumana imali mboleko kunye nokunika umlinganiselo wemboleko.
Nazi iindlela ezincinci zokufumana i-'kredit 'ukuze inkampani yakho iqale inkqubo yokufumana iitaliti.
Misela iQumrhu loShishino
Abanikazi abanamalungelo asemthethweni abafanelekanga kwi-credit and loan loans. Kwiindawo zabo, banokuboleka kuphela imali mboleko. Ukubolekwa kwemali mboleko kungasetyenziselwa ishishini okanye injongo. Ukufumana iimali-mboleko zoshishino, umntu kufuneka ahlule ishishini kwiimali zomntu ezithetha ukuba uya kufuneka aqalise iNkampani okanye iNkampani yokuLawulwa kweMali .
Fumana Inombolo Yesazisi yentela
Njengabantu abanamanani okhuseleko loluntu, onke amashishini kufuneka abe nenombolo yesazisi yentela . Inombolo isetyenziselwa ukuvula iibhanki zebhanki kwaye ifake isiseko sokwakha iprojekthi yentengo yekhredithi. Inombolo inokusetyenziswa lula kwi-intanethi kwaye ikhululekile.
Vula i-akhawunti yeBhanki yeBhanki
Ukwakha i-credit, ishishini kufuneka libe nereferensi yebhanki. I-akhawunti yebhanki kufuneka ibe ubuncinane kwiminyaka emibini ubudala xa ifaka isicelo semboleko.
Kucetyiswa ukuba uvule i-akhawunti yebhanki ngokukhawuleza kwangoko kubomi boshishino. I-akhawunti yebhanki kufuneka ibonise ukulinganisela kwemali yokuhamba kwemali yansuku zonke eya kuba nakho ukuphucula umgangatho wetyala leshishini.
Fumana uluhlu lweeNkampani zentengo yeMboleko
Amashishini eentengo zemboleko zorhwebo aqhuba amanqaku abo okuthenga ngetyala. Banika ibhidi inombolo yefayile yekredithi eyahlukileyo esetyenziselwa ukulinganisa iphrofayili yekhredithi yoshishino.
Inombolo isetyenziswe ngababolekisi ukucacisa ukuboleka kwekhredithi yoshishino. Uninzi lweenkampani ezibolekisiweyo zitshekisha ingxelo yenkampani yeentengo zemboleko ngexesha leprojekthi yesicelo semboleko. Amashishini afanele asebenze ekwakheni amanqaku amnandi ngelixa bejonga iifayile zekhredithi zezo shishino kunye ne-D & B kunye namanye arhente.
Ukuseka Imbali Yemali Yemali
Njengamanani okuthenga ngetyala, abathengisi abaninzi babika imbali efanelekileyo yentlawulo, bhetele i-credit yekhredithi iya kuba. Kwiimeko ezininzi, abathengisi abancinci ababiki kwiinkampani zokubika ngoko ishishini kufuneka ligcine iphepha lokufowunelwa kwezorhwebo ekufuneka libe neenkcukacha ezithengisayo zorhwebo ezintathu ezibandakanya igama labo, imida yemali kunye neenkcukacha zoqhagamshelwano.
Qhubeka Ufike Ngomhla Ngeentlawulo
Fakela irhafu yoshishino ngexesha elifanelekileyo ukuqinisekisa ukuthotyelwa. Ukungaphumeleli ukuthobela kuya kuba nempembelelo embi kwintengo yemboleko yoshishino. Amashishini afanele afake iirhafu ngexesha kwaye ahlawule oko ishishini lihlawulwa. Kwimeko yeengxaki zokuhlawula irhafu, kufuneka bafune iingcebiso zeengcali zerhafu.
Gcina iCredit Personal Credit Rating
Nangona ishishini liyinxalenye ehlukeneyo, isikweletu somntu siqu sinefuthe kwiintlobo ezahlukeneyo zenkxaso-mali . Ukuba inkampani ibancinci okanye intsha, ababolekisi bajonge ikhredithi yabo yabanini-mali.
Abo banesabelo sepesenti ezingaphezulu kwe-20% kufuneka bajonge ukulinganisa kwabo ngetyala kuba ababolekisi bangasebenzisa amanqaku abo ukuze baqaphele ukuboleka kwekhredithi.
Iintlobo zeTyala ezifumanekayo
- Amakhadi ekhredithi yamashishini - Yindlela elula yokuseka ubungakanani bentengo, kodwa umnini-shishini kufuneka ahlawule ingqalelo kwimimiselo nemeko yekhadi.
- Iimali-mboleko zorhwebo zonyaka - Zifanelekile kumashishini ane-inventory eguqukayo ngokwexesha lexesha.
- Iimali-mboleko zekota - Zizo mboleko eziqhelekileyo zorhwebo. Baye bahlawula iirhafu ezihlawulwa rhoqo ngenyanga okanye ngekota kunye nexesha lokuvuthwa.
- Imboleko mboleko - Ezi mboleko zifuna ukuhlawulwa ngokuhlawulwa rhoqo kwiimali zemboleko. Ixesha lokubolekwa kwemali lingaba liinyanga ezimbalwa okanye lide lize lide kwiminyaka engama-30.
- Amanqanaba ebhankini-mboleko - Anika umlinganiselo ophezulu weentengo kunye nomyinge onomdla ophantsi xa kuthelekiswa namakhadi-mboleko. Banikela ngemali eninzi kodwa banqatshelwe kumashishini aneminyaka emibini nangaphezulu.