Lapho ungathola khona imali yokuthuthukiswa kwebhizinisi, uma unqatshelwe amabhange

Uma uqhuba ibhizinisi lakho futhi ufuna ukuthuthukisa, udinga imali. Indlela evamile kakhulu ukuthola imali ebhange, ngoba ihola ngemali mboleko futhi inentshisekelo yokukunika yona. Kodwa-ke, ngokusebenza, konke kuvela kude nokulula njengokuthembisa ukukhangisa okuningi. Ngokuvamile amabhange ayenqaba ukukhipha izikweletu zokuthuthukiswa kwebhizinisi, noma anikele ngezinga eliphezulu lesithakazelo esibhakabhakeni. Kungani lokhu kwenzeka?

Isicelo ngasinye sibheke isheke se-multipletifactor, okungukuthi, ngaphezu kokuhlaziywa kwekhredithi okuzenzakalelayo, izinga lakho lokuphila, ubudala, imfundo, njll, kungafaka ukuhlola ukwethembeka kwedatha ngabasebenzi basebhange. Uma okungenani kukhona okungahambisani nemfuneko (isibonelo, eyodwa noma ezimbili izinkokhelo zakudala zakudala) ku-database ibhange elisebenzisayo, awukwazi nje ukulahla, kepha futhi ufake "okuthiwa uhlu lokuyeka", okulukhuni kakhulu ukuphuma ngalo . Ziyini izizathu zokwenqaba, cishe ngeke wazi, kodwa, njengomthetho, zingaba kanje:

• Ukungabi namaphepha okubhalisa;

• Ukuntuleka kokubambisana;

• Ukungabonakali kwebhizinisi;

• Imboleko ngomlando wesikweletu esibi;

• Ukungabaza mayelana nokuvikeleka komphakathi wakho;

• Ulwazi olungaphelele noma olungalungile;

• Ukubambisana kwebhizinisi embonini eyingozi kakhulu;

• Isimemezelo se-Zero (USN, ngentela yentela, UTII, njll).

Kwezinye izimo, amabhange avuma ukukubolekisa, noma ngabe kukhona ukungahambisani nezidingo, kodwa ngesikhathi esifanayo isilinganiso senzalo esithintekayo sabekwe. Lesi simo singase sibe ngenxa yokuthi kulula kakhulu ukuba ibhange liphinde liqinisekiswe kabusha kunokungena emininingwaneni ye-biography yakho nebhizinisi.

Izinketho ezihlukile

Uma ibhange lenqabe ukukhipha imali, ungazama ukufaka isicelo kumabhange amaningana, xhumana nomthengisi wezikweletu, izikhungo zokuboleka imali ezingekho ebhange noma uzame ukuboleka imali kumuntu oyimfihlo noma inhlangano. Zonke lezi zinketho zinezibili kanye nama-minus:

• Faka isicelo emabhange amaningi. Uma uqinisekile ukuthi ngamadokhumenti akho, umlando wesikweletu, njll. Kulungile - kuyaqondakala. Uma kungenjalo, amabhange amaningi oya kuwo futhi lapho uthola ukwenqaba ngokwengeziwe, kunciphise amathuba akho okuthola isikweletu sokuthuthukiswa kwebhizinisi ngokuyisisekelo. Isikhalo sakho / ukwenqaba kwakho konke kubhekene nezinhlelo zebhange, futhi zonke amabhange ezalandela kulula ukuwenqaba nje "ngokufanisa" kunokuqonda imininingwane.

• Sebenzisa amasevisi we-credit broker. Ngeshwa, akukho umdayisi ongasifakazela kusengaphambili ukuthi uzothola inkokhelo. Kungcono kakhulu ukusebenzisa izinsizakalo zabo uma umlando wakho wesikweletu uhlelekile, futhi umane awunaso isikhathi sokuqonda zonke izinkinga zezinombolo eziningi zokunikezwa kwemali mboleko. Uma unikezwa ukwenza "izilungiso" kumadokhumenti akho, kungcono ukunqabela izinsizakalo ezinjalo, njengoba kungekho emthethweni, futhi kwezinye izimo - ukujeziswa ngokungafanele. Noma kunjalo, khumbula:

  • Abathengi bavame ukukukhetha ibhange elingcono kakhulu, kodwa elilodwa "elungiselelwe" ngomlomo "ngokuhlelekile", ngokusekelwe ekuthandweni kwabo siqu;

  • Umthengisi udinga ukukhokha (kufika ku-5%) ngisho noma wenqaba ukuthatha isikweletu esivunywe yibhange, ngoba Izimo zalo azihambisani nawe.

• Thola isikweletu esikhungweni sezikweletu esingekho ebhange. Kulezi zinhlangano kungenzeka ukuthi uthwale i-pawnshops ehlukahlukene (kuhlanganise nalabo abanikeza imali mboleko ekuvikelekeni kwemoto), kanye namafemu asebenza nge-microcrediting. Njengomthetho, benza izicelo ezimbalwa kakhulu kulabo ababolekayo, imali inikwe kalula futhi ngokushesha ngokwanele. Impendulo ephawulekayo yale ndlela yokuthola imali yizinga eliphezulu kakhulu lesithakazelo - kuze kube ngu-1000% ngonyaka, futhi lena yindlela eqondile eya emgodini wezikweletu. Ngaphezu kwalokho, kukhona ingozi ephezulu kakhulu yokuba yizihlambalazi, ikakhulukazi uma unikezwa ngesikweletu esivumelwaneni - ngokuvamile ubeka engozini yokulahlekelwa impahla yakho ngenxa yezenzo ezingekho emthethweni zalabo "ababolekisi".

• Thola isikweletu kubantu abazimele . Ekuboneni kokuqala, lena yindlela engcono kakhulu yokuthola imali yokuthuthukiswa kwebhizinisi, njengoba kuvame ukungaqondakali ukuthi ubhekephi abatshalizimali. Noma kunjalo, kuze kube yimanje, kunamathuba amaningi enkampanini yokubolekwa kwe-intanethi, lapho ungathola khona ngokuzenzekelayo abatshalizimali ngokubeka iphrojekthi yakho.

Izindawo zokubolekwa ku-inthanethi
Izingosi ezinjalo ze-intanethi zinamathuba amaningi angenakunqotshwa:
Amanani anenzuzo kusuka ku-15% . Ngokungafani namabhange, inkontileka iqondana ngqo nomboleki kanye nomtshalili ngaphandle kwesixhumanisi somxhumanisi.
Mahhala mahhala. Ukuze kubekwe iphrojekthi ngalezo zinsuku, ababolekayo bakhokheli imali. Ngaphezu kwalokhu - ubeka usayizi olindelekile wezinga lesithakazelo futhi ukhethe abatshalizimali.
Kulula. Ugcina isikhathi nemali, ngoba ungaphatha ukusesha okutshala izimali kude, ngqo ngokusebenzisa i-inthanethi ehhovisi lakho noma ekhaya.
Ukulimala okukodwa kweningi lamasayithi okubolekwa kwe-intanethi yilokho wonke umuntu angafaka khona iphrojekthi lapho, futhi akekho onika usizo futhi akusizi ababoleki ukuba bahlolisise ibhizinisi labo ngokulinganisa ukuze bakhulise ukukhangisa kwawo kusukela ekubukeni kwabathengi abangakwazi ukukwenza. Ngenxa yalokho, ngandlela-thile, isithakazelo kanye nokwethemba kwalabo abafuna ukutshala imali kuncishisiwe, futhi ababolekayo akukho ndlela abavikelekile kubaqhwayi noma bamane abatshalizimali abangenangqondo abangenza izidingo eziziwa kuwe, besebenzisa ukungalazi kwakho.
Kodwa-ke, amasayithi anjalo okubolekisa ngemali e-intanethi, okuyinto, ngazo zonke izinzuzo ezingenhla (ama-interest rates angu-15%, ithuba lokuzikhethela abazimele abazimele, ukubekwa okukhululekile kwamaphrojekthi ababolekisi, njll), bakwazi ukuhlela inqubo yokuxhumana kwababoleka nabatshalizimali ngendlela eyaba Inzuzo, engabizi futhi ebalahle kubo bobabili amaqembu:
Ukuthembeka. Bonke ababoleka kumele badlule ukuqinisekiswa kobuchwepheshe be- European Bank Yokuvuselela Nokuthuthukiswa. Kubakhokhi, lokhu kunikeza ithuba lokuhlola ngempela amathemba ebhizinisi labo, abatshalizimali - iziqinisekiso zokubuya kanye nokuzuza kwezimali ezibekiwe.
Ukuhlola okuhloswe. Ngisho noma ungabhalisiwe ngokomthetho, i-Solvency yakho ingathathwa ngesisekelo sokuhlaziywa kwezimali zokuphatha. Uma kunesidingo, ingcweti ingakushiya ukuze uhlole ukwethembeka kwenkampani yakho kanye nesimo sangempela endaweni.
Ukuthembeka nokwethembeka. Ubudlelwano phakathi kwababolekisi nabatshalizimali bakhiwe kuphela ngaphakathi kohlaka lwe-Federal Law. Uma wenza isivumelwano sesibolekiso, akekho oyoke akucele ukuthi uhlele indawo yokuhlala isisebenzi senkampani noma ukuvula imoto yokupaka. Umbolekisi uvikelekile ngokugcwele ezenzweni ezingekho emthethweni ezingalimaza ibhizinisi lakhe nempahla.
Idamu labafaka izimali ezifakazelwe. Ithuba lokuthola inkokhelo lingabizi futhi lishesha. Kukhona inamba enkulu yabatshalizimali abanentshisekelo ekutshalweni kwemiklamo evunyelwe ukushicilela izikweletu eziku-intanethi. Ngenxa yobambiswano obuphindaphindiwe nokuphindaphindiwe, abatshala izimali abhalisiwe ngokugcwele bathembele uhlelo olubumbene lokuhlolwa kwezinhlekelele nokukhangisa kwezimali kwemiklamo.
Isifinyezo
Izingosi ze-intanethi zinikeza ithuba lokubolekisa ukuthuthukiswa kwebhizinisi ngokuzimela, ngokushesha ngangokunokwenzeka, ngaphandle kokusebenzisa abaPhakathi kanye nemigomo engcono kakhulu. Ngenxa yalokho, izimali ezibolekile zebhange ezizimele zithola ukuthandwa, njengaleli fomu lobuhlobo, awukhokhi imali enkulu, ukhokhele izingozi zebhange, izindleko zabo zokugcina ama-A-class amahhovisi kanye nama-premium aphezulu abaphathi abaphezulu.