Imiba ephambili ebangela ukuba umnini-mveliso akwazi ukukhusela imali
Amashishini amaninzi adla ukufumana iingxaki ezithile zezemali ngexesha lokuphuhliswa kwazo ezininzi kwixesha. Xa amaxesha anjalo efika ekhonkqisayo, abaninzi abasomashishini bacinga ukuba banokubakhokela ababolekisi kunye nezinye izinto zokuxhasa ngemali . Kukho abathengi abaninzi abavela kwiibhanki, amaziko emali aphantsi kwamanye amazwe kunye nabanye ababolekisi, njengezityalo ezixhamlayo ezikhoyo kwishishini lonke.
Nangona kunjalo, akukho onke amashishini akwazi ukufikelela kwiimali-mboleko zoshishino . Oku kungenxa yemibandela emininzi abantu abaninzi ababolekayo abayicingayo. Ngelishwa, awona mashishini amaninzi ahlangabezane nazo zonke iimfuno ezifunekayo kumaziko emali ukwenzela ukuba banikele ngemali-mboleko yebhankini okanye imigangatho yekhredithi. Kwiphepha elifanayo, abanye abanikazi boshishino abazi izinto ezisetyenziselwa ukuchonga ukuthenga ngetyala. Nantsi ukukhangela kwintoni ababolekisi abajongeyo ngaphambi kokuba batyelele nayiphi na uhlobo lekhredithi kumashishini osomashishini amancinci .
Imbuyekezo yokuTyala yeMali
Le nto ibaluleke kakhulu ukuba nayiphi na umboleki umsebentise njengento ephambili phambi kokunyusa i-credit kuye nayiphi na ishishini . Ukuze ukwazi ukulinganisa ixabiso lakho lokuthenga ngetyala, ababolekisi bafuna ingxelo yengxelo yemboleko evela kwiziko leentengo zemboleko. Ingxelo yemboleko iqulethe iinkcukacha ezifana neakhawunti zakho zekredithi, imibuzo yekhredithi eyenziwa yoshishino lakho kwaye ekugqibeleni imbali yakho yokubuyisela.
Kwimali yengxelo yemboleko, ezinye zezona zibonakaliso ezibalulekileyo ababolekisi abazithengayo zihlandlo ezilihlandlo ozikhethile kwiintlawulo kunye nayiphi na imbali ye-bankruptcy.
Xa unerekhodi ephosakeleyo yembali yentlawulo yemboleko akukho mboleko izokunika nayiphi na uhlobo lekhredithi.
Oku kuthetha ukuba kulungile nawuphi na ishishini ukuzama ukuhlawula zonke iibhilikhwe ngexesha. Ngomlando omhle wokuhlawula ngetyala, ukuzithemba komthengi kuya kukhuliswa ngenkolelo yokuba ngokwenene uya kubuyiselwa imali yabo ngexesha kodwa ungaphumeleli.
Ngaloo ndlela, ukususela namhlanje, qiniseka ukuba uhlawula zonke iindleko zakho ngexesha ukwenzela ukwandisa amathuba akho okufumana iimali-mboleko zoshishino okanye imigca yekhredithi evela kubalimi abahlukeneyo.
I-Your Business Score
Le yinye into ebalulekileyo ababolekisayo abasebenzisa ukufumana ikhredithi yebhizinisi lakho. Ubungcono kumanqaku eentengo zekhredithi kwi shishini lakho, okwandisa amathuba okunikezelwa kwemboleko kwiphina iziko lemali. Ukuba uyazibuza ukuba ngababolekisi bemali bazi njani ishishini lakho okanye ngamanye amaxesha akho amanqaku akho eFICO? Nantsi indlela.
Ingxelo yakho yeentengo zemboleko yile ngxelo equlethe ulwazi oluhlukileyo olusetyenziswa ngamaziko eemboleko zemali xa kuziwa ekubaleni kwishishini lakho okanye amanqaku akho. Imiba ekuthethwa ngayo ekubaleni umlinganiselo wemali-mboleko ibandakanya umlinganiselo wendlela yokusebenzisa ngetyala, kaninzi kangakanani uvula iiakhawunti ezintsha zeentengo zemali, iimali zekredithi kunye nokukhawuleza ukucima imali yakho kwanababoleki bakho abadlulileyo.
Ukuba iqela lakho lekhredithi yeekhredithi kunye neDun & Bradstreet liphakathi kwama-75 + kwaye uhlelwe ukuba ube nomgangatho ophezulu obeka ithuba elingcono kwimali-mboleko yakho ukuze ufumaneke ngokukhululeka. Oku kuthetha ukuba njengomnini-shishini, kufuneka usebenze kanzima kwaye uphakamise amanqaku akho ukuba ufuna ngempela ukuba imali yakho ihlawulwe ngababoleki ngexesha elifutshane kakhulu.
Iimali zezeMali zeBhizinisi
Amaziko amaninzi eemali ezifana neebhanki kunye namanye amaziko emali ahlala efuna amaziko eemali ahlukeneyo njengengxelo yebhankomali yonyaka odlulileyo, ibhalansi kunye nesitatimende sezimali sexeshana seenyanga ezizayo. Ezinye izitatimende zemali ofuna ukuba zibandakanya ingxelo ye ngeniso kunye nesitatimende sokuhamba kwemali.
Ezi nkcazo ziya kunika ingqiqo malunga nesimo semali senkampani okanye ishishini lakho. Ukuba ishishini lakho lizinzile, abaninzi ababolekisi baya kuba nako ukunika ikhredithi kuba baya kuba nethemba lokuba ngokwenene ishishini lakho likwazi ukubuyisela amatyala. Nangona kunjalo, ukuba ishishini lakho linamatyala amaninzi, akukho mntu ungathanda ukubeka umngcipheko ngemali yakho kuwe.
Ngoko ke, kulungile kubanini boshishino ukuqinisekisa ukuba ishishini abaqhubayo lizinzile ngokwezimali.
Kukho iindlela ezininzi ezinokunciphisa ukuphuma kwemali kwishishini kubandakanywa kodwa kungagcini ukunciphisa inani labasebenzi, ukulibazisa iintlawulo kubaboleki, ukuqeshiswa kwepropati, ukuthenga izixhobo ezisetyenziswayo njl. Zonke ezi ziza kunciphisa iindleko kwaye ekugqibeleni zihlawulwe iindleko zoshishino.
Ikhokelo
Xa ufaka isicelo semali-mboleko evela kumaziko ahlukeneyo, amaninzi amaxesha kufuneka ube neentlondi ezithembisa njengekhuseleko. Le yimpahla ababolekisi bangayithengisa ukuze babuyiselwe imali yabo nje xa ungekho phantsi kwintlawulo yokuboleka imali. Uninzi lwezinto zibandakanya i-estate, umhlaba kunye nezixhobo zokusebenza.
Oku kuthetha ukuba nayiphi na ishishini elinempahla ebalulekileyo linakho ukubolekwa kwemali mboleko ngexesha elifutshane. Nangona kunjalo, khumbula ukuba ngamanye amaxesha, ishishini lingahamba ngemali-mboleko engakhuselekanga nangona le nto idinga ishishini elizinzile kakhulu ngamanqaku ekhredithi aphezulu kunye nembali efanelekileyo yokubuyisela.
Ukubamba ezinye izinto eziqhubekayo, nayiphi na ishishini elinomxholo obaluleke kakhulu wokubambisa liya kunikwa imali eninzi ngemali yemboleko uma kuqhathaniswa nezoshishino ezinenani eliphantsi. Ukuba unobungozi obuxabisekile, ke kukulungile ukufaka isicelo semboleko encinci efana nexabiso lentengo.
Amatyala akho kwiRatio yeNgeniso
Xa uhlolisisa ukuthenga ngetyala kwishishini lakho, abaninzi ababolekayo bathatha ingqalelo kwityala lemali yengeniso yoshishino lakho. Nabani na umnini-shishini unokubala oku kubalwa ngokuthatha ixabiso lazo zonke izibophelelo zabo zenyanga kwaye bahlule ngemali engenayo yenyanga yenziwe yoshishino. Lo mlinganiselo awufanele ungadluli 36. Imathematika, ixabiso eliphantsi lilingcono.
Oku kuthetha ukuba nayiphi na ishishini elinomatyala omlinganiselo wokufumana ingeniso eliphezulu kakhulu linomngcipheko ophezulu ukulahlekelwa ngenkokhelo. Esi silumkiso esibomvu kubabolekisi ukuba bangabhondi imali kwishishini elinjalo. Ngaloo ndlela, kubaluleke kakhulu kubanini-bhishini ukuba bahlawule amatyala abo ukuze banciphise lo mgangatho ukuya kwindawo encinci.
Ukuba ufuna ababolekisi ukukunika iimali-mboleko okanye ezinye iintlobo zemboleko ngezikhathi ezithile, kufuneka wenze utyalomali lwakho ekwakheni ishishini lokuthenga ngetyala. Yenza zonke iintlawulo zakho zeentengo ngexesha lakho kwaye uphucule umlinganiselo wekhredithi yakho yebhanki kunye nokuba nembali yentlawulo yemboleko ngegama elihle. Kwakhona, kucetyiswa ukucima amatyala akho kwaye usebenze ekuphumeni kwakho kwemali ukuze ube neengxelo zemali ezinamandla.