Iindlela ezigqithiseleyo zokuhlawula ishishini ngaphandle kweeNtengo zenzalo eziphezulu
Sineemali-mboleko zentengiso ezinikezelwa ngamabhanki endala, ukuboleka imali , ukuhlawulwa kwemali kunye neengxowa-mali ze-SBA.
Iimali-mboleko ze-SBA zisanda kuba ngumthombo osisiseko sorhwebo. Oku kungenxa yokuba le mboleko iqinisekiswa nguLawulo lweZimashishini ezincinci. Ukuba uthetha imali mboleko kwibhanki yoshishino eqinisekisiwe yi-SBA, ibhanki iya kuba nokulungele ukukunika okokuba kukho ukuqinisekiswa ukuba xa ungekho phantsi kokubuyisela imali mboleko, i-SBA iya kuhlawula ipesenti ethile mboleko kwibhankini.
Kukho iintlobo ezahlukahlukeneyo zeenkqubo zeemali-mboleko ezisekelwe kwi-SBA ezinikezwa yi-Small Business Administration. Ziquka:
I-7 (a) Inkqubo yeMboleko:
Le ngenye yeentlobo eziguquguqukayo ze- SBA zemali-mboleko eziphambili . Ngolu hlobo lwemboleko, i-SBA iqinisekisa i-dollar ezigidi ezihlanu (i-5,000,000 zamaRandi), malunga neepesenti ezingama-75 zexabiso elibolekwe.
Ngo-Matshi 2017, i-SBA 7 (a) mboleko ye $ 25,000 okanye ngaphantsi ukuba ibuyiselwe kwiminyaka engama-7 okanye ngaphantsi ihamba ngenani lentengo ye-8 ekhulwini. Ngakolunye uhlangothi, ukuba imboleko efanayo kufuneka ibuyiselwe ixesha elingaphezu kweyisixhenxe, inzala i-8.5 ekhulwini. Uhlobo lwe-SBA 7a lwemali mboleko ewela phakathi kwe-25,001 USD kunye ne-$ 50,000 USD kwaye kufuneka ibuyiselwe kwisithuba seminyaka engama-7 okanye ngaphantsi inomtsalane wenani lentengo ye-7 ekhulwini kodwa ukuba imboleko kufuneka ibuyiselwe kwithuba elingaphaya kwe-7 Iminyaka inomyinge we-7.5 wepesenti.
Ukuba umrhwebi okwangoku usebenza kwi-SBA 7a uhlobo lwemboleko engaphezulu kweedola ezingama-50 000 zamaRandi, baya kufuneka bahlawule umyinge we-6 ekhulwini xa ixesha lokubuyisela liphantsi kweminyaka engama-7 kodwa ukuba ixesha liyiminyaka engaphezu kwe-7, ke inzala ye-6.5 yepesenti iya kusebenza. Kulungile ukukhumbula ukuba iinkqubo zembolekiso ze-SBA 7a azikho inani elincinci kodwa zinomda weedola ezigidi ezintlanu ($ 5,000,000). Ukuba imali yakho mboleko ingaphantsi kwee-150,000 zamaRandi, ngoko i-SBA iqinisekisa i-85 ekhulwini yemboleko kodwa ukuba imali mboleko ingaphezu kwama-150,000, uqiniseke kuphela ngamaphesenti angama-75 emboleko.
Ziziphi iimfuno zokufumana i-SBA 7a Loan?
Bonke abantu abanako ukufumana iimali-mboleko ze-SBA 7a. Oku kuyintlungu kodwa asikwazi ukubalekela kwinyani. Inyaniso kukuba, sonke asikwazi ukufaneleka. Ngoba? Nantsi ukujonga ngokukhawuleza ukuba kutheni abanye bethu abayi kunikwa le mboleko:
- Kufuneka ube ne shishini eliye laqhuba iminyaka emi-2 edlulileyo: Oku kuyithintelo kubantu abangabikho noshishino ngosuku lomsebenzi.
- Ikhredithi yeMboleko Yomntu: Mhlawumbi amanqaku ekwereti anendima enkulu ekuqaliseni ukuba ngaba ufanelekile kwi-SBA mboleko okanye cha. Okwangoku, kufuneka ube nepredithi yamanqaku angaphezulu kwama-680 ukuze ufikelele kwiimali-mboleko ze-SBA.
- I-50,000 yeRhafu yeRhwebo ngonyaka ophelileyo: Omnye umqobo? Eneneni kakhulu, ininzi lethu asinayo ibhizinisi eli lizuzisa kwaye oko kuthetha ukuba le mfuno iyasikhupha ngokuzenzekelayo.
Izi mfuno zingentla zivalile abanye bethu ekufikeleleni kwi-7a ye-SBA eqinisekisiweyo yemboleko.
Yintoni echaza iRhafu yeMali kwiSBA 7a Imali?
Le ngongoma ebalulekileyo ukuba ngamnye wethu kufuneka azi kakuhle phambi kokuba enze isigqibo malunga nokuba afake isicelo salolu hlobo lomboleko okanye cha. Kukho inani lezinto eziza kudlala xa kuziwa ekuzimeni kwezinga lesenzalo kwiimali-mboleko ze-7a. Ngomhla we-1 kuMatshi, ngo-2017, ezi zilandelayo zi-perimeters ezisetyenziselwa ukucacisa umdla kule nkqubo mboleko.
- I-Base Rate: Lo ngumlinganiselo wemboleko wemirhumo kawonkewonke kwaye uyabelana ngezigaba ezintathu; ireyithi yokuqala, i-SBA peg rate kunye ne-Libor (iintsuku ezingama-30) kunye neepesenti ezi-3.
- Ixesha leNgxowa-mboleko: Uhlobo lwe-SBA lwemali-mboleko lunemivuzo emibini kuphela; nokuba ngaphantsi kweminyaka engama-7 okanye ngaphezulu kweminyaka engama-7. Ukuba umntu uthatha umboleko ngethuba lokuhlawula umnyaka omnye kwaye omnye uthatha umboleko ofanayo kunye nentlawulo yokuhlawula emva kweminyaka emithandathu, bobabini baya kuwela phantsi kwexesha eli-7 lokuhlawula umvuzo kwaye ngaloo ndlela baya kutsala inzala efanayo. Ngaphandle koko, ukuba uthetha umboleko weminyaka eyi-10 yokuhlawula xa omnye umntu ethatha umboleko ofanayo kunye nexesha elihlawulwayo eliyiminyaka eyi-8, inzala echaphazelekayo iya kusebenza njengoko zombini iitaliti ziwela phantsi kwexesha lokuhlawula imali engaphezulu kweminyaka engama-7.
- Inani leMali-mboleko: Uhlobo lwe-SBA 7a lwemali-mboleko lukwahlula ezintathu: ngaphantsi kwe-25,000 zamawaka, phakathi kwe-25,001 ukuya kwi-50,000 kwi-$ 50,000 kunye ne-$ 50,000. Oku kuthetha ukuba xa uthabatha imali engama-30,000 ee-dollar kwaye ndiyakutyala imali engama-49,999. Bobabili bawela phantsi kwecandelo elifanayo ngaphantsi kwama-$ 50,000. Nangona kunjalo, kulungile ukuba uqaphele ukuba phezulu kwexabiso lomboleko owathathayo, umlinganiselo wezantsi unomdla kunye nokunye.
Iimali zentlalo ye-SBA
Njengeminye yemali-mboleko yemveli , uhlobo lwe-7a lwemali-mboleko linalo uhlobo oluthile lokuthakazelisa kunye nolunye uhlobo oluthile lomdla. Abo banomdla osisigxina kuthetha ukuba ngexesha elipheleleyo lokuhlawulwa kwemali-mboleko, akukho bhanki izakutshintsha inani lesenzalo esabelwe imali mboleko ngexesha lokuhlawulwa. Nangona kunjalo, ngohlobo oluchanekileyo, umdla uyahluka ngokutsho kweenguqu kwiimarike.
Kwiimali-mboleko ze-SBA 7a, iibhanki zibuyisela umyinge wesantya somlinganiselo ngokuxhomekeke kwiintlobo ezi-3 zamanqaku anomdla woluntu okhoyo ngokubanzi; izinga lokuqala, umlinganiselo we-LIBOR kwakunye nezinga le-SBA Peg. Njengomhla woku-1 lo nyaka, amaxabiso emarike aphezulu anjengale ndlela; ireyithi yokuqala i-3.75 ekhulwini, izinga le-LIBOR li-3.79 pesenti ngelixa i-SBA rate ye-peg i-1.75 ekhulwini. Ezi xabiso ziyahlukahluka ngamaxesha kwaye njengangoku, kuthiwa ziphantsi kakhulu. Naliphi na amaxabiso aya phezulu, inzala yemali yokuboleka imali iya phezulu. Ukuba ngamanye amaxesha baya ephantsi, ngokunjalo izabelo zenzalo kwiimali-mboleko ze-SBA 7a.
Iindleko zokuthatha i-SBA 7a Udidi lweMali
Mhlawumbi akukho ixabiso lentlawulo elichaphazela inani elipheleleyo elihlawulwayo xa umntu ethatha uhlobo lwe-SBA 7a yemboleko. Kukho ezinye izinto eziza kudlala ukuze kuqinisekiswe iindleko ezipheleleyo ukuba nayiphi na imali ebolekayo. Ziquka:
- Imali yoMvelaphi: Xa ufaka isicelo semali mboleko kwi-bhanki okanye nayiphi na isikhungo semali, isiko lihlawula iindleko zokulungisa umboleko. Zonke ezi ndleko zidluliselwa kumbolekayo. Ngamanye amaziko emali okwangoku anemali yemvelaphi engama-4 ekhulwini. Oku kuthetha ukuba ukuba umntu usebenza ngemboleko ye $ 100,000, baya kufumana kuphela iipesenti ezi-4 zexabiso.
- I-Guarantee Imali: Le ntlawulo iyahlawulwa kuqala ngumboleki kwi- SBA xa ikufumana ukuba ufake isicelo somboleko kodwa ekuvalweni, umboleki uya kufuneka athwale umthwalo wemali yokuqinisekisa. Ukususela ngoku, imirhumo yesiqinisekiso semali-mboleko engaphantsi kwama-150,000 ayi-$ ahlawulwe yi-SBA. Nangona kunjalo, nawuphi na umboleko ophezulu kunokuba udibaniswe nemirhumo yesiqinisekiso phakathi kwama-3 ekhulwini kunye ne-3.75 ekhulwini. Imali yokuqinisekisa isekelwe kwinani lemali-mboleko kunye nexesha lokukhula kwemali mboleko. Ngokomzekelo, umbolekisi wee-150,000 zamawaka angama-150,000 okhula emva konyaka ukhangisa umrhumo we-0.25 wepesenti. Ukuba umboleko wakho we-SBA 7a ungaphezulu kwama-150,000 weedola kunye nokukhula ngexesha elide kunomnyaka, inkqubo ye-3-tier yomdla iya kusetyenziswa ukuhlawula inzala. Ukubolekwa kwemali mboleko phakathi kwe-$ 150,000 kunye ne-700,000. Intlawulo yesithathu yembuyekezo ityala. Imali-mboleko phakathi kwe-$ 700,000 kunye ne-$ 1,000,000; Intlawulo ye-3 yepesenti yokuhlawulwa ihlawuliswe ngelixa ukuba iimali-mboleko zingaphezulu kwe-$ 1,000,000; Imali yokuqinisekisa isi-3.75 pesenti ityala. Phakathi kwama-150,000 kunye nee-700,000 zamaRandi; Intlawulo yesithathu yembuyekezo ityala. Imali-mboleko phakathi kwe-$ 700,000 kunye ne-$ 1,000,000; Intlawulo ye-3 yepesenti yokuhlawulwa ihlawuliswe ngelixa ukuba iimali-mboleko zingaphezulu kwe-$ 1,000,000; Imali yokuqinisekisa isi-3.75 pesenti ityala.
- Iindleko ezipheleleyo zokuboleka i-SBA 7a iinkqubo zemboleko (amaxabiso entlawulo kunye neerhafu) okanye nayiphi nayiphi na uhlobo lomboleko ebizwa ngokuba yi-percentage yield yield (APY). Le mali iyonke imali ebolekileyo emva kokuba yonke imali mboleko ihlawulwe.
Imali ye-CDC / 504
Imali-mboleko ye-SBA CDC / 504 yimiqathango emide yemali-mboleko eyenziwa ngabantu abafuna ukutyalo-mali kwi-estate okanye nayiphi na uhlobo lophuhliso. Iirhafu zemali ebhankiweyo kule hlobo lokubolekwa kwemali mboleko lichongiwe yi-Small Business Administration. Njengangoku, ngoMatshi 2017, amanani omlinganiselo phakathi kwama-3.93 ekhulwini kunye ne-4.57 ekhulwini. Umlinganiselo, nangona kunjalo, kuxhomekeke kwisixa semboleko mboleko.
Imali-mboleko ye-CDC iyenziwa kakhulu ngeentlobo ezimbini:
Imboleko eyi-50 ekhulwini yenani lemali elibolekwe kwiziko lezemali , kulo mzekelo ibhanki, kunye nemboleko enikwe nayiphi na inkampani yophuhliso eqinisekisiweyo eyi-40 ekhulwini yenani elifunekayo. Oku kuthetha ukuba umntu obolekayo kufuneka abe neepesenti ezili-10 zesixa-mali esiya kuba ngumvuzo ophantsi kuwe njengomboleki.
Iirhafu zerhafu ezihlawulwe kule hlobo lomboleko ziba ziphantsi kakhulu. Oku kubangelwa ukuba i- mboleko yebhanki iphakamisa umboleko we-CDC kwaye ekubeni umboleke imali utyalomali kwipropati yepropati ayinakwenzeka ukuba ibhanki ayiyi kukwazi ukuyibuyisela imali yayo.
Nje ngezinye iimali-mboleko eziqhelekileyo, iimali-mboleko ze-CDC / 504 nazo zinemfuno ezithile ezifunekayo ngamnye umntu oboleke ngayo. Ezi ziquka;
- Ekubeni sele eseshishini lezentengiso iminyaka engaphezu kwe-4.
- Yiba nomlinganiselo wesikweletu somntu ongaphezulu kwama-680
- Ubuncinane ubuncinane ipesenti ye-10 yenani elibolekayo eliza kusebenza njenge-deposit.
Iimali zenzalo zamanje kwi-CDC / 504 Imali
Ezi mboleko zinikezelwa ngethuba lokuhlawulwa kwexesha eliyiminyaka eli-10 okanye ixesha lokubuyisela eli-20 leminyaka. Umyinge womyinge womyinge womyinge ngamnye owenziwe ngumgangatho wentengo, izinga elimisiweyo kunye nemirhumo eqhubekayo ekhoyo.
Ukuba imali mboleko iya kubuyiselwa kwiminyaka eyi-10, iirhafu ezikhoyo zikhoyo; izinga lemali eli-5 lemali elimalunga nama-2.01 ekhulwini, izinga elingu-0.38 yepesenti kunye neemali eziqhubekayo malunga neepesenti ezi-1.7. Oku kuthetha ukuba inzala yomyinge oyonke iya kufuneka ihlawule ipesenti ye-4.09, isishwankathelo sexabiso lexabiso lexabiso, inani elimiselweyo kunye neendleko zonyaka eziqhubekayo.
Kwimizuzu-mboleko yeminyaka engama-20, umyinge we-10 wemali yemali ngowama-2.49 ekhulwini, izinga elimisiweyo li-0.48 ekhulwini ngelixa iimali zonyaka eziqhubekayo zi-1.7 ekhulwini ezenza inani lentengo lilonke libe li-4.67 ekhulwini. Kubalulekile ukuba uqaphele ukuba iirhafu ezihlawulwe yiNgxenye yeNkampani yoPhuhliso oluqinisekisiweyo ye-mboleko zihlala zihlala zihlala ziqhubeka kodwa enye inxalenye yebhanki inokuthi ihluke ngezinye iinkalo nakuba ingekho umda omkhulu.
Iiprogram zemboleko ze-SBA zikhoyo ngoku njengoko ngo-Matshi 2017 kumaxabiso achazwe ngasentla. Kuba ixesha elide xa umntu ehlangabezana neemfuno, unokuya ku-SBA 7a uhlobo lwe mboleko okanye ukuba ufuna ukutyalomali kwishishini langaphandle, ngoko-mboleko ye-CDC / 504 nayo iyafumaneka.
Ukuba unokufumana umboleki-mali oza kuhlawula umrhumo we-guaranty kwi-SBA kwangaphambili eqhelekileyo yindlela eqhelekileyo, ngoko uhlobo lwe-SBA 7a lwemboleko luya kukhulisa ishishini lakho . Ngakolunye uhlangothi, ukuba ufuna ukutyalomali kwi-real estate, umboleko we-CDC unokukwenza okulungileyo njengoko unayo i-10 ekhulwini yeendleko ezihlawulwayo ukuze wenze njengediphozithi yakho.