Asizakale lwezezimali noma yokuwa komnotho?

Phakathi nesikhathi ekushintsheni ezobuchwepheshe, isiko, indlela yokuphila kanye netinkholelo, kodwa EsiZulwini asinayo kwakukhona into eyodwa kuphela - imali. Sekungamakhulu eminyaka zikhona e ezimpilweni zansuku zonke abantu ekwenzeni imisebenzi yabo. Nokho, phakathi ukuthuthukiswa Knights Templar we sphere zezimali usezuze a linencazelo ekhethekile, izinhlelo eziye zasungulwa nemithetho, okuyizinto kuze kube manje. On olunye lwalezi nhlelo kuzoxoxwa namuhla.

Thola - umphumela elihlangene ku Amaholo ngokusebenzisa ukulingana izikweletu. Ukuze sicacise kangcono lo mqondo, ake sicabangele isibonelo esilandelayo: ukuphathwa Inkampani zanquma nokuqalisa omunye wemisebenzi, okuyinto nakanjani wenze inzuzo, kodwa abo imithombo uxhaso akwanele, ngoba inzuzo lilinganiselwe futhi ngokuvamile etholakala amafa ezahlukene. Waboleka imali ukusiza uthole lemali edingekayo ngesilinganiso esifanele ngesikhathi - lena asizakale zezimali.

Kuyaqondakala ukuthi izinyathelo ezinjalo isidingo umgomo futhi zenzelwe ukwandisa inzuzo capital yakho. Kubalulekile ukuqaphela ukuthi zezimali asizakale (asizakale) - lena akuyona isimo nsukuzonke kokukhipha loan ezenjongo nanini. Nge lesi sinyathelo ukubala zonke kungenzeka ngokucophelela, hlola ukuthi inkampani ilungele nezimfuneko zale isigaba. Ngokwesibonelo, e- ukuhweba margin asizakale itholakala kuphela uma inhlokodolobha share hhayi ngaphansi kuka-50% of izimali siqu.

Ezweni lanamuhla lokhu thuluzi ezisetshenziswa kakhulu abahwebi amafa, imithombo, noma umane lwemali befisa. Ngokuvamile, ukwenza inzuzo enhle ku ukuthengiselana akuyona nokulingana eyanele kule ndawo, bona, ngokuqondene abawasebenzisela izinkonzo zimali kanye ababolekisi. Ngaphezu izici inhloso, kwenziwe izibalo ezihlobene ukulahlekelwa kungenzeka noma inzuzo uma sebeqedile wonk 'umsebenzi uhambe. Leli qiniso libonisa kuyadingeka kangakanani ngempela asizakale. ukubala ifomula silula, futhi kubukeka sengathi lokhu:

EGF = (1 - C) x (RA - RD) x (D \ E) lapho:

T - Income (inkulumo idesimali) intela;

RA - inzuzo zenkampani% (Amakhasi 190 kanye 300 ifomu № 2).

RD - Amaphesenti loan;

D - waboleka imali;

E - isamba capital yakho (ikhasi 490 inombolo ifomu 1.).

Umphumela kungaba ezimbili. Uma impendulo lokususa, asizakale zezimali kuyonezela isimo e inkampani yakho, uma nge uphawu, ngakho-ke ukuba nesikhathi esimnandi ukuze kwandiswe inzuzo yakho.

Ngizothanda futhi ukuthi amagama ambalwa mayelana ubunjalo nokuqakatheka ithuluzi ezifana ngawe:

1) imali eningi usuthathe loan, aba maningi amathuba ukwehluleka;

2) asizakale zezimali kwenza inkampani yakho kuncike umbolekisi noma zimali;

3) zivumelwano afune ukuba wenze izinkokhelo zenyanga kanye nezinye, ukuthi ukwehla inzuzo net intela iphoqe wena nokuqeda ezinye izimpahla;

4) ngisho ukwenyuka kancane inzuzo ngezithukuthuku edonsa izikweletu dolobha kungaba kakhulu ukwandisa imali yakho "amhlophe".

Uma ungawasebenzisi asizakale zezimali, futhi yonke imisebenzi yakho ngezithukuthuku ukulingana inzuzo ke, ngokuvumelana nemithetho yesayensi ye ezezimali, niqinile wakho uthathwa ngizimele ngokwezimali.