Imali-mboleko yeMali enzima yinketho xa iNgxowa-mali yeNdabuko ayikho
Yiyiphi iMali yeMali eNgqongqo?
Imboleko yemali enzima iyimali-mboleko esekelwe kwimpahla esetyenziswe ngamashishini angenako ukufumana ezinye iintlobo zemboleko yokuxhasa imali yazo.
Ukuba iprojekthi ivela apho ishishini elincinci lifuna ukutyalomali okanye ukuba inkampani isetyenzisile imida yabo yekhredithi, iyakwazi ukubuyela kwiingxowa-mboleko zemali ezinzima kwiimfuno zabo. Imali-mboleko yemali enzima ibekwa ngabatyalomali abazimeleyo, amabhanki, iinkampani zokubolekwa kwempahla, kunye noLawulo lweZimashishini ezincinci . Imali-mboleko yemali enzima, kumashishini amancinci, kufuneka isetyenziswe kuphela kwiimfuno zongxamisekileyo ngenxa yexabiso labo eliphezulu.
Ungayifumana njani i-Qualify for Loan Money Money?
Imali-mboleko yemali enzima ayixhomekeke kumboleko weboleki. Kunoko, zisekelwe kwisigxina onokukunikezela kumboleki. Amanqaku akho ekhredithi aqhelekanga acingelwa. Yiyo kuphela into enokubanika yona umniki-mboleko ucingelwa ngemboleko yemali enzima. Ngokuqhelekileyo, ixabiso elipheleleyo lebhanki alisebenzisi. Endaweni yoko, umboleko wokuxabisa umlinganiselo ubalwa kwimboleko yemali enzima. Imboleko yokuxabisa ixabiso yipesenti yexabiso lepropati.
Ukuba umboleko owenzelayo ngemboleko akwanele ukukhusela imboleko, unokufuneka unikele ngeempahla zakhe ukuze ufumane umboleko.
Yiyiphi iMboleko yokuBaluleka kweRatio?
Imboleko yokuxabisa umyinge wemboleko yemali enzima ibalwa njengenani lemali-mboleko / ixabiso lexabiso lexabiso lepropati. Ephakamileyo umlinganiselo, kunzima ngakumbi ukufumana mboleko.
Ngokuqhelekileyo, ababolekisi bemali abanzima bahlawulisa kuphela i-70% yexabiso lepropati. Imboleko yokuxabisa umlinganiselo ngumlinganiselo wabangcipheko kubaboleki.
Nasi umzekelo. Masithi i-XYZ Inkampani ifuna ukusebenzisa inzuzo ebiza i-$ 125,000. Bafuna ukuboleka i-$ 90,000 ukuze batyalole kule projekthi, kodwa abanakufumana imali kunoma yimuphi umthengisi wendabuko. Baya kumboleki wemali enzima ababala imali yabo mboleko ukuba baxabise umlinganiselo. Inani labo li-$ 90,000 / $ 125,000 = .72 = 72%. Ngokuxhomekeke kwizikhokelo ezibekwe yile mboleko enzima, abanokuthi bangahlawulanga okanye bahlawulise i-72% yexabiso lepropati. Ukuba ababoleki imali engama-72% kwiprojekthi, i-XYZ Inkampani ingayifumana enye inkokhelo yemali enzima.
Iyiphi Imilinganiselo yeMdla kunye nezinye iziMiselo kwiNgxowa-mali yeMali enzima?
Amanqanaba omdla aphezulu kwiimali-mboleko zemali ezinzima kunokuba zibolekwe kwiimali-mboleko zorhwebo. Isizathu kukuba iimali-mboleko zemali ezinzima ziphezulu kuneemali-mboleko zemveli. Eminye imiqathango ngemboleko yemali enzima ayinanto engcono kunokuba ibolekwe ngemveli.
Amanani omdla angaqala malunga ne-12% kwaye ahambe yonke indlela ukuya kwi-29%. Amashishini amancinci ngokuqhelekileyo kufuneka ahlawule i-4% - 8% kwiindawo. Ingxowa-mboleko ye-70% ngokuqhelekileyo i-mboleko ephezulu ukuxabisa ubungakanani bentengo-mboleko yemali eyamkelekileyo.
Ukuhlawula ibhaluni kunokufuneka kwenye indawo endleleni. Ixesha le mboleko lihlala lifutshane - lifutshane nje ngo-1-5 iminyaka.
Ababolekisi bemali enzima
Ababolekisi bemali abanzima ngabanye okanye iinkampani ezinemali ekhoyo yokutyalomali. Ukuba ngababoleki bemali enzima, kufuneka baguquke kwaye bakwazi ukuhamba ngokukhawuleza ukuba basebenzise amathuba okuboleka kwimarike. Azinqandeki kwiinkqubo ezinzima zemboleko zorhwebo zendabuko kunye nemithombo yoshishino yemveli.
Nangona ungadinga ukuhamba ngeemali ezininzi ezibolekisa ngemali ukufumana enye into ehambelana neemfuno zakho, konke okufuneka ukwenze kukukhangela kwi-Intanethi ukufumana amaqela eenkampani ezithatha imali ebolekisa imali.