Ikhredithi ukuthuthukiswa kwamabhizinisi amancane. izinkinga reception

ukuthuthukiswa Kubi womsebenzi ebhizinisi is phetho Inqubomgomo zokuphatha kanye zokulawula kungekhona kulesi sithombe, kodwa futhi inkinga ukufinyelela loans. Iqiniso liwukuthi ngisho nangaphambi obumbi credit on ukuthuthukisa ezincane Ibhizinisi wayengekho phakathi eziseqhulwini imikhiqizo yasebhange.

Ukhiye credit izinselele

Inkinga eyinhloko lesi simo sengqondo isakhiwo opaque lebhizinisi. ezingeni lwasekuqaleni ka ngezezimali kuyinto usomabhizinisi emabhange ngenalusizo isici ngokuvamile okuyingozi. Ngisho izinkampani obala esitebeleni zezimali imisebenzi akusiyo njalo kungenzeka ukuthatha boleko ukuthuthukiswa kwamabhizinisi amancane. Yini esingayisho ngesimo ukungabi khona ikhono usomabhizinisi ukwenza umbiko wezimali kanye accounting eziyisisekelo ebhange. Inkinga eyengeziwe kuyinto iphesenti elincane ukulingana ezindaweni Isikhwama lomthetho. Kunzima kakhulu ukuthola loan sokuthuthukisa ibhizinisi elincane, uma esele ishidi inkampani 5 kuphela - 15% izimali zabo, kanti bonke abanye - waboleka imali. Noma yimuphi iphutha ukuphathwa kwebhizinisi kungaholela ezikweletini. I-esitebeleni ukuthuthukiswa inkampani kudingeka okungenani ube 30% etshaliwe esikhwameni salo. Ngaphezu kwalokho, ibhange enikeziwe boleko ukuthuthukiswa kwamabhizinisi amancane kudingeka babe nohlelo lwebhizinisi, ecacisa zonke izigaba yentuthuko ibhizinisi. Kodwa kulokhu, ngezezimali osomabhizinisi ayiyinhle.

Kanjani ukuze uthole

Ngaphambi kokukhipha loan ukuthuthukiswa kwamabhizinisi amancane, Sberbank, VTB noma ezinye izikhungo credit zidinga ukuhlinzekwa esiyisibopho eziqinisekisiwe ukubuya. Isikweletu ukubuyiswa kwemali kwenziwa ngezithukuthuku inzuzo yenkampani asamukelanga babamuka ne imali kwegazi. Ngakho, imali kwaphumela kumele kube siphezulu kunamanye inani lenzalo, ngakho kuzomele uthole loan Ebhekana namaqiniso ukuhlola amathuba ibhizinisi lakho. Ngaphezu amazinga aphezulu imali, umfakisicelo kumele athumele ngoba loan yesibambiso. Njengoba amabhange enjalo eseduze ukwamukela eseduze ukuthi idinga ukuba woketshezi, ifaniswe imali eceliwe. A imfuneko likhipha loan ukuba khona umshwalense hhayi kuphela ngebheyili namafa inzuzo, kodwa futhi empilweni umnikazi ibhizinisi. Isikweletu esingu sokuthuthukisa amabhizinisi amancane kuzodinga guarantors isibalo nabo ebhizinisini, izinhlangano ezingokomthetho noma abantu, kanye izibalo key ibhizinisi. Lokhu kusekela libonisa nokwethenjelwa idumela elihle lomuntu ofake isicelo. Ngaphezu iphakethe egcwele imibhalo, ibhange angacela ilungelo ukufinyelela yokukhansela esivumelwaneni etholakalayo imali imithombo yayo, uma kukhona ukwephulwa kwemibandela credit by umboleki. Esigabeni esilandelayo loan kuyoba ekunqabeleni umboleki. Futhi kuphela emva ukuthi lezokuphepha yenza isinqumo: noma "yebo" noma ". Kungekho" Samuntu lwesithathu akukwazi. Abaphathi nabasebenzi Bank, ukugcwalisa umphumela onjalo - imininingwane yakho eyimfihlo. Kuyisizathu esengeziwe ngenxa yokwenqaba akakaze sidluliselwe iklayenti. Lena inqubomgomo elivamile laso sonke amabhange.