1. Umntu
Ibhanki ivavanya ukuthembeka kwabathathi-zimpawu.
Iinkalo zeendlela zokuziphatha zi: amava oshishino kunye nolwazi, imbali kunye / okanye encinci yembali yeentengo zemboleko , iimferensi kunye nemfundo.
2. Amandla
Ibhizinisi kunye nekhono lomntu lokuhlawula i-credit card encinci inquma amandla. Bhanki baya kuhlaziya ukuhamba kwemali kweshishini kwaye bafumane ezinye izifundo zokuhlawula okukhoyo.
3. Inkxaso
Ukunciphisa umngcipheko wokuboleka imali, ukubambisana kwiindlela ezahlukeneyo zeempahla kunokusebenza njengenye indlela yokubuyisela. Ukubambisana kuya kubandakanya: izixhobo, i-real estate, i-inventory, iimali ezifunyenweyo ze-akhawunti kunye neemfanelo. Isiqinisekiso somntu siqu , okanye umqulu osayinwe, unokufunwa njengesiqinisekiso esongezelelweyo sokubuyisela. Ukufumana i-credit card encinci kunye nokubonelela ngeziqinisekiso kunokubonakala kukukhathazayo, kodwa ibhanki ayifuni ukuyenza isikhundla sayo ekuthatheni nasekuhlahleni impahla . Kwiimeko ezininzi, ibhanki iya kusebenza ngokuzimisela ukufumana izisombululo zentlawulo.
4. Iimeko
Oku kuhlaziywa kweentengo zemboleko zentengiso okanye imboleko ngokwemigqaliselo yokusetyenziswa kwesoxhobo sokwandisa okanye ukuthenga. Oku kusebenza nakwiimeko zangaphandle ezichaphazela ikhono lenkampani yokubuyiselwa kwentlawulo efana noku: isiseko sabathengi, ukukhuphisana, amatyala kunye noqoqosho.
5. Inkunzi
Utyalo-mali lomnini-shishini kwintsimi yakhe ithumela umyalezo wokuzithemba kwishishini kunye nokukwazi ukubuyisela i-credit or small loan.
Ixabiso elifanelekileyo kunye nokulingana yizona zimbini zezimali ezisetyenzisiweyo. Ekugqibeleni, umnini-shishini onqwenela ukutyalo imali kwiinkampani uya kubakho ukufumana iibhanki zingathandi ukuthabatha umngcipheko wokuqala.
Ngamanye amahlanu e-C ahlaziywa ngubhankini kumiselo encinci yemali yeentengo zemali. Idatha yovavanyo ifunyenwe kwiimbali zemboleko, izicwangciso zoshishino , ii-appraisals, i-interviews yomnini-ndlebe kunye neengcali zangaphandle. Nawuphi na ukugatywa kwemali-mboleko ukucela ukuba ibhanki ibe nengcaciso. Buza ukuba nayiphi na enye ingcaciso ingakhipha ukukhanya okuhlukile kwisicelo. Ukunyuka kwesikweletu semashishini esincinci okanye ukuboleka imali kwintloko yesebe ukuba kunokwenzeka.
Ngokuqhelekileyo enye ibhanki ilungele ngakumbi kwiimfuno zoshishino okanye enye imali iya kuba sisisombululo. Ngamanye amaxesha, ukukhishwa kungancika kwiimeko ezingaphandle njengemingcipheko kwishishini elithile okanye imeko yezoqoqosho jikelele. Ukuqonda ama-5 e-C kunokunceda ngokuqinisekileyo kwinkqubo yokuvunywa.
Ehlelwe nguAlyssa Gregory