Izimalimboleko zokuqala nokuthuthukisa ibhizinisi - ungayithola kanjani imalimboleko yebhizinisi elincane kusuka ekuqaleni nalapho kukhishwa khona imali kumabhizinisi amancane ngaphandle kwesibambiso: Amabhange we-TOP-3

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Sawubona, bafundi abathandekayo be-Ideas for Life magazine magazine! Kulesi sihloko, sizokutshela ukuthi ungayiboleka kanjani imali ukuqala nokuthuthukisa ibhizinisi elincane kusuka ekuqaleni nokuthi ungathola kuphi imali engavikelekile yebhizinisi lakho.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Akuyona imfihlo ukuthi kudingeka imali eningi ukudala nokuthuthukisa ibhizinisi lakho. Kepha osomabhizinisi abahlali benemali eyanele njalo. Iningi labo kumele laneliswe yilokho elinakho.

Noma kunjalo, indlela yokuphuma ingahlala itholakala. Uma imali inganele, ingahle ibe imali mboleko yebhizinisi... Kukulesi sihloko lapho incwadi yethu yanamuhla izinikele.

Ngemuva kokufunda i-athikili eyethulwe kusuka ekuqaleni kuze kube sekugcineni, uzofunda:

Yiziphi izici zokubolekwa kwemali kumabhizinisi amancane naphakathi nendawo;
Okudingayo ukuthola imalimboleko yokuqala ibhizinisi kusuka ekuqaleni;
Yiziphi izinyathelo okufanele zithathwe ukuthola imalimboleko yokuthuthukisa ibhizinisi elincane.

Ekupheleni kwendatshana, sizozama ukuphendula imibuzo ethandwa kakhulu mayelana nemalimboleko yebhizinisi.

Ukushicilelwa okwethulwe kuzoba wusizo kulabo somabhizinisi abahlela ukuthola imalimboleko yebhizinisi. Ngeke kube ngaphezu kokufunda ngokucophelela i-athikili kulabo abathanda ezezimali. Njengoba besho, isikhathi yimali... Ngakho-ke akufanele ulahlekelwe qala ukufunda manje!

Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:

Isikhundla	Qhathanisa	Isikhathi sokuthatha	Inani eliphakeme	Inani eliphansi	Ubudala ukulinganiselwa	Izinsuku ezingenzeka
1	Isitoko	3 imiz.	Hlikihla ama-30,000 Hlola!	Hlikihla i-100	18-65	Izinsuku eziyi-7-21
2	Isitoko	3 imiz.	Hlikihla ama-70,000 Hlola!	Hlikihla i-2,000	21-70	Izinsuku eziyi-10-168
3		1 iminithi.	Hlikihla ama-80,000 Hlola!	Hlikihla i-1,500	18-75	Izinsuku 5-126.
4	Isitoko	4 imizuzu	Hlikihla ama-30,000 Hlola!	Hlikihla i-2,000	18-75	Izinsuku 7-30
5	Isitoko	-	Hlikihla ama-70,000 Hlola!	Hlikihla i-4,000	18-65	Izinsuku ezingama-24-140.
6		5 imizuzu.	Hlikihla i-15,000 Hlola!	Hlikihla i-2,000	20-65	Izinsuku 5-30

Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.

Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:

Isikhundla	Isikhathi sokuthatha	Inani eliphakeme	Inani eliphansi	Ubudala ukulinganiselwa	Izinsuku ezingenzeka
1	3 imiz.	Hlikihla ama-30,000 Hlola!	Hlikihla i-100	18-65	Izinsuku eziyi-7-21
2	3 imiz.	Hlikihla ama-70,000 Hlola!	Hlikihla i-2,000	21-70	Izinsuku eziyi-10-168
3	1 iminithi.	Hlikihla ama-80,000 Hlola!	Hlikihla i-1,500	18-75	Izinsuku 5-126.
4	4 imizuzu	Hlikihla ama-30,000 Hlola!	Hlikihla i-2,000	18-75	Izinsuku 7-30
5	5 imizuzu.	Hlikihla i-15,000 Hlola!	Hlikihla i-2,000	20-65	Izinsuku 5-30

Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.

Mayelana nokuthi yiziphi izimali mboleko zokuqala / ukuthuthukisa ibhizinisi, ukuthi ungathola kanjani imali mboleko yamabhizinisi amancane naphakathi kusuka ekuqaleni nokuthi ungathola kuphi ukubolekwa kwezinhloso zebhizinisi ngaphandle kwesibambiso - funda kulo magazini.

1. Izimalimboleko eziya emabhizinisini amancane naphakathi nendawo - ukuqala nokwakha ibhizinisi kusetshenziswa izimali ezibolekwe

Ukuthola imali mboleko yokuthuthukisa ibhizinisi kungaba nzima. Kunzima nakakhulu ukuthola imali yokuqala ibhizinisi elincane noma eliphakathi.

Kubalulekile ukuqonda ukuthi amabhange amaningi ayasola kosomabhizinisi nezinkampani ezisanda kusungulwa. Lokhu kunjalo ikakhulukazi ngalabo somabhizinisi abangakwazi ukunikeza ubufakazi obubucayi bokuzixazulula kwabo.

Kungenzeka ukuqonda ababolekisi. Ibhange aliyona inhlangano esiza abantulayo, ngakho-ke kubalulekile ukuthi iqiniseke ukuthi imali ebolekisiwe izobuyiselwa ngesikhathi. Indlela elula yokuthola imalimboleko eyalabo somabhizinisi asebenze ngempumelelo isikhathi eside.

Kunezindlela eziningi zokuthola imalimboleko yokuqalisa ibhizinisi... Kodwa-ke, ekubhaliseni kwabo, obolekayo kumele ahlangabezane nenqubo ethile. Imvamisa, izimo zokuqala osomabhizinisi zinzima impela. Zonke zenzelwe ukuqinisekisa ukuthi ibhange lizokhokha ngesikhathi esifanele isikweletu.

Izinhlangano zezikweletu zinikela ngenani elikhulu lezinhlelo ezahlukahlukene kumabhizinisi amancane. Kodwa-ke, iningi labo alifuni ukubambisana nosomabhizinisi nabantu ngabanye. Ukuqala ibhizinisi ekuqaleni kuhlala kuhlotshaniswa ne- izingozi ezinkulu... Ababolekisi abazimisele ukuthatha izintambo.

Imvamisa amaphrojekthi webhizinisi adaliwe avele angabi nenzuzo. Uma lokhu kwenzeka, ngeke kube khona ozokhokha izikweletu.

Amabhange ahlinzeka ngemali mboleko yamabhizinisi amancane avame ukuthatha izinyathelo ezilandelayo ukunciphisa ubungozi bawo:

imfuneko yokuphepha okungeziwe ngendlela yesibambiso noma isibambiso;
ukubhaliswa komshwalense;
ukwenyuka kwezinga lemalimboleko;
funa ukuhlinzekwa kohlelo lwebhizinisi oluningiliziwe uma ufuna ukuqala ibhizinisi elisha;
thuthukisa izinhlelo zokubolekwa ngenombolo enkulu yemikhawulo nemibandela eyengeziwe;
ukutadisha ngokucophelela imininingwane mayelana nomboleki wesikhathi esizayo.

Uma ibhizinisi lineminyaka eminingi lisebenza, kuzoba lula ukuthola imali ngesikweletu.

Kukhona okukhethekile izinhlelo zemalimboleko ngokuxhaswa nguhulumeni,enzelwe labo abenza ibhizinisi endaweni enenzuzo kuhulumeni.
Ngokwesibonelo, kunezinhlelo zokwakha umkhiqizo eMpumalanga Ekude noma eNyakatho Ekude.

Uma usomabhizinisi oqalayo entula inani elincane ukuqala umsebenzi, imvamisa kulula futhi kunenzuzo enkulu ukuhlela imali mboleko engafanele yomthengi... Kulokhu, kuzofanele ukhombise ukuthi uneminyaka engu-solvency uwedwa.

Uma ufuna ukuthola imali mboleko yebhizinisi, isikhungo sezezikweletu kufanele sichaze inhloso yokuthola imali.

Imvamisa, izinhloso zebhizinisi ezilandelayo zisebenza njengenhloso yokubolekisa:

ukwakha imali yokusebenza;
ukuthengwa kwemishini eyengeziwe noma ethuthukisiwe;
ukutholwa kwamalungelo obunikazi kanye namalayisense.

Amabhange akazimisele ukunikeza imalimboleko ngazo zonke izinhloso. Bakhetha ukukhipha imalimboleko kuphela imisebenzi ethembisayo yezezimali.

Isikhathi sokubuyiselwa kwemali mboleko sinqunywa ngawodwana, kuya ngemisebenzi okufanele ixazululwe kusetshenziswa imali etholakele:

Uma inhloso yokuthola imali mboleko ukukhulisa imali yokusebenza, isikhathi sokukhokha ngokuvamile ingeqi onyakeni owodwa;
Uma kukhishwa imalimboleko yokuthenga okokusebenza noma ukuvulwa kwamagatsha amasha, imalimboleko ijwayele ukwabiwa kusuka eminyakeni emi-3 kuye kwengu-5.

Osomabhizinisi abanohlonze kufanele bazilungiselele ukuthi, ukuze baqinisekise ukuxazululwa kwabo, bangadinga ukuhlinzeka isibambiso... Impahla ebiza uketshezi ivame ukusetshenziswa njengesibambiso.

Imvamisa, amabhange amukela njengesibambiso:

impahla;
izimoto;
imishini;
ukuphepha.

Enye impahla efunwayo emakethe nayo ingahlinzekwa njengezibambiso.

Ngaphezu kokutholakala kwezibambiso ezisezingeni eliphakeme, amabhange abheka le mibandela elandelayo:

Umlando wesikweletu osezingeni eliphakeme. Abaphuli abanonya bezivumelwano zesikweletu ngeke bakwazi ukuthola imali mboleko enkulu;
Izinkomba zezezimali ziyabhekelwa lapho kukhishwa imalimboleko yizinhlangano ezisebenzayo;
Ukuba khona nekhwalithi yedumela lebhizinisi;
Indawo inkampani ehlala kuyo emakethe, kanye nesikhundla sayo embonini;
Ubuningi nekhwalithi yezimpahla ezihleliwe. Futhi, ezinye izingxenye zezinto ezibonakalayo nezobuchwepheshe zebhizinisi ziyabhekwa.

Zonke izidingo ezingenhla ziyinkimbinkimbi kakhulu inqubo yokuthola imalimboleko yezinkampani nosomabhizinisi.

Osomabhizinisi abaphathi njalo ukukhetha ngokuzimela uhlelo olufanele lwemalimboleko futhi babhekane nazo zonke izidingo zebhange. Uma kuvela isimo esinjalo, kunengqondo ukuxhumana abadayisi bezikweletu.

Lezi zinkampani zisiza ekutholeni imali mboleko. Kepha kufanele uqaphele ngokusemandleni akho futhi ungadluliseli imali ngaphambi kokukhishwa kwemali mboleko. Kukhona imikhonyovu eminingi phakathi kwabadayisi.

Izinhlobo ezidumile zemalimboleko yamabhizinisi amancane naphakathi

2. Yini imali mboleko yebhizinisi - izinhlobo eziyisi-5 zemalimboleko loans

Ukukhethwa kohlobo lwemalimboleko yamabhizinisi amancane naphakathi kufanele kususelwe kuzimpawu ezihlukile zomsebenzi othile.

Kubalulekile ukucabangela ukuthi kunamacala amaningi lapho kunesidingo khona kosomabhizinisi abasanda kuqala ukusebenzisa izinhlelo zabathengi zokubolekiswa okungaqondisiwe kubantu ngabanye. Njengoba sezikhiphe imalimboleko enjalo, izakhamizi zinelungelo lokusebenzisa imali eziyitholile ngokuthanda kwazo.

Ungakhohlwa ukuthi kunezinhlobo eziningana zemalimboleko yebhizinisi. Okudume kakhulu kuchazwe ngezansi.

Uhlobo 1. Imalimboleko yendabuko

Imalimboleko yebhizinisi ejwayelekile ikhishwa ngezinhloso ezilandelayo:

uma ufuna ukuzisebenzela bese uqala ibhizinisi lakho;
ekuthuthukisweni kwebhizinisi eselivele likhona;
ukwakha imali yokusebenza;
ukuthenga okokusebenza nezinye izimpahla ezihleliwe.

Kuzimalimboleko ezihlosiwe ezihlose ukuqaliswa kwemisebenzi ethile yebhizinisi, isilinganiso ezimweni eziningi kuvela ukuthi cishe silinganisiwe 1.5-3% ngaphansi ↓... Kunqunywa kumbolekisi okhethiwe kanye nohlelo.

Izinga lesilinganiso semakethe cishe 15%... Ezimweni eziningi, lapho unikeza isibambiso, kungancishiswa kakhulu. Kunqunywa usayizi wemalimboleko yebhizinisi lendabuko izinhloso zombolekikanye nokukhethiwe uhlelo... Ububanzi bungaba bukhulu kakhulu.

Amabhange ahlinzeka ngazo zombili izimali mboleko ezincane ezibalelwa ezigidini ezimbalwa kuphela nezimalimboleko ezinkulu ezinanini lamashumi ezigidi. Ngasikhathi sinye, usomabhizinisi uzokwazi ukuthatha inani elincane kunezinkampani eziphakathi nendawo nezinkulu..

Buka i-Overdraft

Le mali mboleko ingatholakala ebhange ngabanikazi bamakhadi nama-akhawunti akhona manje. Imvamisa, ama-overdraft asetshenziswa yizinhlangano eziphakathi nendawo nezinkulu.

I-overdraft - lolu uhlobo lokuboleka olunikeza obolekayo ithuba lokukhipha imali kwi-akhawunti ngenani elidlula ibhalansi yakhe. Ngokusetshenziswa kwezimali ezingaphezu kwalezo ezibekwe ku-akhawunti, umnikazi wayo uphoqeleka ukuthi akhokhe inzalo.

Le sevisi ivumela izinkampani ukuthi ziqede izikhala zemali... Zimelela izimo lapho ingekho imali eyanele ku-akhawunti ephethwe yinhlangano ukuhlangabezana nezibopho zamanje zezezimali. Ngemuva kokuthola imali kwabakweletwayo kwi-akhawunti yomboleki, baya kobuyisa isikweletu esivele.

Izinga lenzalo ye-overdraft linqunywa inani elikhulu lezindlela:

inani lenzuzo ku-akhawunti;
izinga lokuzethemba kwebhange kumboleki;
isikhathi sokusebenza esikhungweni esithile sesikweletu, njll.

Ngokwesilinganiso emakethe, isilinganiso siyahluka ngaphakathi kusuka ku-12 kuye ku-18% ngonyaka... Isici esibalulekile sendawo ye-overdraft ukuthi asikho isidingo sokuhlinzeka ngesibambiso ngendlela yesibambiso noma ama-guarantors.

Buka 3. Umugqa wesikweletu

Umugqa wesikweletu imalimboleko ekhishwe hhayi ngokushesha ngokugcwele, kodwa ngezitolimende ezincane. Kulokhu, usomabhizinisi uboleka imali ngezikhathi ezithile.

Ulayini wesikweletu ulungele iklayenti ngoba angasebenzisa kuphela ingxenye yemalimboleko ayidingayo okwamanje. Ngasikhathi sinye, izindleko zokuboleka zizothuthukiswa, ngoba ukubalwa kwenzalo kwenziwa kuphela ngesisekelo sesikweletu samanje.

Umqondo obalulekile lapho ufunda udaba lokunikeza umugqa wesikweletu uthi isamba semali... Kuyingxenye yezimali ezikhishwa ngesikhathi.
Isimo esibalulekile ukuthi inani eliphelele lesikweletu nganoma yisiphi isikhathi esinikeziwe akufanele leqe umkhawulo ophelele wentambo yesikweletu.

Ngokwesivumelwano, ama-tranches anganikezwa iklayenti ngezikhathi ezithile noma lapho kudingeka. Endabeni yokugcina, obolekayo kufanele abhale isicelo sengxenye ethile yemalimboleko.

Thayipha isiqinisekiso se-Bank

Empeleni, isiqinisekiso sasebhange kungabizwa kuphela ngokuthi imalimboleko ngokunweba okuncane.

Kunembe kakhudlwana ukukhuluma ngakho njengohlobo lwesiqiniseko, kanye nohlobo lomshuwalense olumelene nezingozi zokungakhokhi. Uma kwenzeka isimo esinjalo, izindleko zekhasimende zizonxeshezelwa yisiqinisekiso sasebhange.

Ngokuvamile isetshenziswa ensimini ukuthengwa kwempahla yomphakathi, futhi amathenda... Lapha isiqinisekiso sisebenza njengesiqinisekiso sokugcwaliseka kwezibopho ngaphansi kwezivumelwano zikahulumeni eziphelile.

Kubalulekile ukutadisha ngokucophelela imiqondo eyisisekelo, kanye nemigomo yesiqinisekiso sebhange.

Kunezinhlaka ezi-3 ezithintekayo entengiselweni ecatshangelwayo:

Ibhange imvamisa liyisiqinisekiso sokuthengiselana. Nguye ocabanga ukugcwaliseka kwezibopho uma kwenzeka kwephulwa imigomo yesivumelwano;
Uthishanhloko ungusonkontileka. Isiqinisekiso sasebhange siphothulwa uma kwenzeka lo muntu ehluleka ukukhokha;
Umhlomuli - ikhasimende ngaphansi kwesivumelwano esiphelile Kumele aqiniseke ukuthi ukuqaliswa kwesivumelwano kuzokwenziwa ngokugcwele.

Ukwazi ukuthi yimaphi amaqembu abandakanyekayo ekuphetheni isiqinisekiso sasebhange, kulula ukuqonda inqubo yokwenza kwayo:

Umhlomuli nothishanhloko bangena esivumelwaneni nomunye. Ikhasimende (umzuzi) ngasikhathi sinye lidinga ukuqinisekisa ukuthi lizokwenziwa ngesikhathi esifanele futhi ngokugcwele. Ukuzethemba okunjalo kubaluleke kakhulu lapho kuphothulwa izinkontileka zikahulumeni, kanye nemiyalo yokwenziwa kwemisebenzi emikhulu noma ukulethwa kwenqwaba yezimpahla.
Ukufakazela ukuthembeka kwakho, kanye nokuqinisekisa ubungozi, usonkontileka unikeza ikhasimende isiqinisekiso semali yenkontileka. Uma ngasizathu simbe engakwazi ukufeza izibopho zakhe, ibhange lizokhokhela ikhasimende izimali.

Kodwa-ke, ibhange nalo ngeke lilahlekelwe. Ngokuthola isiqinisekiso sasebhange, uthishanhloko ukhokhela umqinisekisi okuthile ikhomishini... Ngaphezu kwalokho, ngemuva kokukhokhwa kwemali kumzuzi, umqinisekisi unelungelo lokufuna le mali kunhloko.

Buka 5. Izimalimboleko ezithile

Ngaphezu kwezinhlobo zemali mboleko okukhulunywe ngayo ngenhla, kunezinhlobo ezithile zemalimboleko yebhizinisi. Lokhu kuvame ukufaka ukufaka izinto kwamanye amazwe nokuqashisa.

1) Ukwenza amaphuzu

Ukwenza amaqiniso ngukuthi ukufana kwesikweletu sezimpahlaenikezwa ibhizinisi ngamabhange noma izinkampani ezikhethekile.

Isikimu sokufaka amafayili sibukeka silula:

Umthengi uthola kumthengisi izimpahla ezidingekayo ekwenzeni ibhizinisi (isib, izinto zokusetshenziswa nemishini).
Isikhungo sezikweletu (ibhange noma inkampani yamaphepha) sikhokha i-invoyisi yomthengi.
Ngemuva kwalokho, umbolekisi kancane kancane uthola imali ebuya kumthengi.

Izinzuzo zokwenziwa kwamaqiniso zisobala kuwo wonke amaqembu ama-3:

Ikhasimende angakwazi ukuthenga izimpahla azidingayo ngaphandle kokulinda inani elanele elizotholwa.
Umthengisi ngokushesha uthola izimali ngaphandle kwesidingo sokunikeza izitolimende.
Inkampani yasebhange noma yokwenza izinto yokuhlinzeka ngemali ithola imali engenayo ngendlela iphesenti... Kwezinye izimo, inani elingaphansi kwesivumelwano sokubhalwa kwamafayela alinikeziwe. Ngasikhathi sinye, umthengisi wenza ibhange libe isaphulelo kunani. Umbolekisi uthola kumthengi inani lezimpahla ngokugcwele.

Bese ukhumbula lokho kubhalwa kwemali kubhekisa kwizimalimboleko zesikhashana. Kuzofanele ikhokhwe ngokushesha okukhulu kunemalimboleko yendabuko. Imvamisa isikhathi esenziwe ngaphansi kwesivumelwano asidluli izinyanga eziyisithupha.

Umthengi akazi njalo ukuthi ilungelo lokufuna isikweletu kuye linikezwe umuntu wesithathu. Angase acabange ukuthi isitolo simnikeze lezi zimpahla kancane kancane. Kulokhu, bakhuluma ngakho ukuvalwa kwempahla... Uma ozakwabo benza ngokusobala (bavumile ngayo yonke imigomo yokuthengiselana), kukhona ukuvula okuvulekile.

2) Ukuqashisa

Ukuqashisa kubizwa ngokuhlukile ukuqashiswa kwezezimali... Kubandakanya ukuhlinzekwa kwempahla ehlukahlukene (isib. imishini noma izimoto) ezizosetshenziswa yikhasimende.

Amabhange esimanje anezinsizakalo eziboleka osomabhizinisi izimpahla ezibonakalayo esikhundleni semali.

Ezinkampanini ezisanda kuvulwa, ukuqasha kungaba ithuba elihle kakhulu lokuqala ukusebenzisa imishini ebizayo. Kepha kufanele ucabangele ukuthi ngeke ikhishwe kubunikazi, kepha iyokhishwa emqashweni. Esimweni esinjalo, ukudalulwa ekupheleni kwenkontileka.

Kunezinzuzo eziningi zokuqashisa:

inzalo enquma izindleko zemalimboleko incane kakhulu kunaleyo yemalimboleko yendabuko;
isivinini sokubhalisa;
iphakethe elincane lemibhalo edingekayo;
asikho isidingo sokuhlinzeka ngezinhlelo zebhizinisi, kanye nezifundo zokuba kungenzeka kwezomnotho;
izidingo eziqotho zamakhasimende angahle abe khona.

Ukuqashisa futhi ukufaka amaphuzu zingamathuluzi wokubolekisa alula kakhulu. Kepha ungakhohlwa ukuthi zenzelwe ukuxazulula imisebenzi emincane kakhulu, ethize yebhizinisi.

Kubalulekile ukutadisha ngokucophelela zonke izinhlobo ezitholakalayo zemalimboleko. Ukuhlaziywa okuningiliziwe kuphela izinzuzo futhi neingcebo, kanye namathuba wokusebenzisa ngayinye yazo esimweni esithile ikuvumela ukuthi ukhethe kahle.

Okubukwa ngamabhange lapho kufakwa isicelo semalimboleko yamabhizinisi amancane

3.4 imibandela esemqoka yokuthola imalimboleko yokuvula nokuthuthukisa ibhizinisi elincane 📋

Ukuqala noma imuphi umsebenzi wezamabhizinisi, akwanele ukuba nesifiso necebo lokuthuthukisa kuphela; kudingeka nezimali ezinkulu. Kodwa-ke, ukuthola imali mboleko ngezinjongo ezinjalo kungaba nzima.

Amabhange ahlola ngokucophelela iklayenti ngalinye. Obolekayo ongaba khona kufanele ahlangabezane nezidingo eziqinile zombolekisi, kanye nemibandela yohlelo olukhethiwe lwemalimboleko.

Noma kunjalo, kungenzeka ukwandisa amathuba okuvunywa kwesicelo. Kwanele ukuhambisana nemibandela ethile, okuyinhloko okuyiyona echazwe ngezansi.

Isimo 1. Ukuhlinzeka ngemibhalo ephelele kakhulu

Akunakwenzeka ukuthola imali mboleko ngaphandle kokunikeza ibhange amadokhumende afakwe kuhlu oluhlanganiswe yiwo.

Obolekayo kumele aqonde lapho kupheleliswa kakhulu iphasela lamadokhumenti akwazi ukuwaqoqa, aba maningi amathuba okwamukelwa isinqumo esihle ngohlelo.

Kubalulekile ukuthi yonke imibhalo isesikhathini kusukela ngosuku lokulethwa kwayo. Uma kunesidingo, kufanele ukwenze amakhophi.

Kodwa-ke, kufanele uye ebhange kanye nokwangempela, ngoba umsebenzi uzozihlola. Uma ngasizathu simbe kungenzeki ukuthi uthumele okwangempela, kuzofanele wazi amakhophi enziwe.

Kuyadingeka futhi ukucacisa ukuthi ngabe amalayisense futhi amalungelo obunikazi ekwenziweni kohlobo lomsebenzi okhethiwe. Uma uzihlela kusengaphambili, ithuba lokuthola imali mboleko yokuqala ibhizinisi lizokhula kakhulu↑.

Isimo 2. Ukuhlinzekwa kwesibambiso

Ebhange, isibambiso sisebenza njengesiqinisekiso esingeziwe sokubuyiselwa kwemali ekhishwe ngesikweletu. Kodwa-ke, izinzuzo zemalimboleko enjalo zisobala hhayi kubabolekisi kuphela, kepha nakwababolekayo uqobo.

Uma unesibambiso, ungathembela ezimweni ezinhle kakhulu zokubolekwa kwemali:

Ukubheja ngezimalimboleko ezinjalo, ngokwesiko ngaphansi kuka-↓;
Isikhathi sokubuyisa isikhathi eside;
Izidingo zomboleki ethembekile ngokwengeziwe.

Ngokwesiko, kunezinhlobo ezi-2 zesibambiso:

isibambiso;
isibambiso.

Isibambiso kungaba:

izindlu nezindawo zokuhlala ezingezona ezokuhlala;
iziza zomhlaba;
izimoto;
ngokufunwa nangemishini yokusebenza kahle;
ukuphepha ketshezi.

Enye impahla engamanzi evumelana nebhange nayo ingasebenza njengesibambiso.

Olunye uhlobo lokuphepha yi isibambiso futhi kukhulisa kakhulu amathuba esinqumo esihle. Bangasebenza njengabaqinisekisi njengoba ngokomzimbafuthi izinhlangano ezisemthethweni.

Futhi, isibambiso singamukelwa kusuka ku:

izindawo ezisemadolobheni kanye nezesifunda zamabhizinisi;
ama-incubators ebhizinisi;
ezinye izinhlaka, inhloso yazo ukweseka ibhizinisi esigabeni sokuqala sentuthuko.

Isimo 3. Idumela elihle lesikweletu

Ibhange, ngenkathi lenza isinqumo sokukhipha imalimboleko, lihlola isithunzi salowo ongahle aboleke imali. Uma isicelo sithunyelwa semalimboleko yebhizinisi, le nqubo ihloselwe abaphathi bezinkampani kanye nosomabhizinisi.

Ikhwalithi yedumela lesikweletu iyakhiwa kucatshangelwa lezi zinto ezilandelayo:

ukubuyisa okuphumelelayo futhi okufika ngesikhathi kwemali mboleko etholwe ngaphambilini;
ukungabikho kobugebengu ngaphansi kwezivumelwano zemalimboleko ezazenziwe ngaphambilini;
zonke izimalimboleko ezazikhishwe phambilini zabuyiselwa.

Kubalulekile ukuqonda Amabhange awahlali ecabanga ukuthi ukuntuleka komlando wesikweletu kungcono kunegama elonakele. Esimweni sokuqala, ibhange alikwazi ukubikezela ukuthi yini ongayilindela kumboleki. Ngasikhathi sinye, umlando wesikweletu esibi kwezinye izimo uvela ngesizathu esizwakalayo.

Ngendlela, namuhla amanye amabhange nezinhlangano zezimali ezincane zinikeza insizakalo yokulungisa umlando wesikweletu. Vele, le nqubo yinde impela. Kuzofanele sikhiphe imalimboleko eminingana ephezulu kakhulu bese siyibuyisa ngesikhathi.

Isimo 4. Ukutholakala kohlelo lwebhizinisi olunemininingwane ephezulu lokuthola imali mboleko

Uhlelo lwebhizinisi lumbhalo obalulekile wenqubo yokusungula umsebenzi. Lo mbhalo ubalulekile hhayi kuphela ebhange, kodwa nakusomabhizinisi uqobo.

Ongoti bathi ukuthi ngaphandle kokuqonda izisekelo zokwenza uhlelo lwebhizinisi, akunasisekelo sokuqala ibhizinisi lakho. Funda kuwebhusayithi yethu imininingwane eningiliziwe yokwenza uhlelo lwebhizinisi.

Umbhalo odwetshwe ngobungcweti nangobungoti usiza ekutholeni isu elilandelayo lokuthuthukisa ibhizinisi. Ngaphandle kwayo, kunzima ukuthola ukuthi izindleko nezimali ezizotholwa zizoba yini, okusho ukuthi ibhizinisi lizoba nenzuzo yini.

Luhlelo lwebhizinisi olukhombisa ukuthi kuhlelwe kanjani ukusebenzisa imali etholwe ngesikweletu esivela ebhange.

Kepha ungakhohlwa ukuthi uhlelo lwebhizinisi ngumbhalo oqukethe amakhasi amaningi. Ngokwemvelo, abasebenzi basebhange abanaso isikhathi esanele sokufunda umbhalo onjalo. Ngakho-ke, ukuthola imali mboleko, banikela ngenguqulo emfushane yayo, equkethe amakhasi angeqi kwayi-10.

Ngokulandela ngokucophelela imibandela echazwe ngenhla, umboleki angakhuphula kakhulu amathuba esinqumo esihle esicelweni semalimboleko.

Sikweluleka futhi ukuthi ufunde indatshana yethu yokuthi ungaboleka kanjani usomabhizinisi ngamunye ukuqala ibhizinisi.

4. Yiziphi izici zemalimboleko emabhizinisini amancane ngaphandle kwesibambiso nama-guarantors - ama-nuances abalulekile emalimboleko angaqinisekisiwe

Emzabalazweni wamakhasimende, amabhange ngokuvamile enza kube lula imigomo yokubolekwa kwemali. Namuhla, ungathola imali mboleko yebhizinisi kusuka ekuqaleni ngaphandle kwesibambiso nabaqinisekisi.

Izimalimboleko ezingaphephile zebhizinisi elincane

Imalimboleko enjalo isetshenziswa ngokwesiko ukuxazulula izinkinga ezahlukahlukene:

ukuxhaswa kabusha kwemali mboleko ekhishwe ngaphambilini;
ukwakha imali yokusebenza;
ukuthengwa kwempahla engaguquki;
ukukhokhelwa kwama-akhawunti akhokhelwayo.

Kubalulekile ukutadisha ngokucophelela zonke izici zokubolekiswa kwamabhizinisi amancane ngaphandle kwesibambiso nabaqinisekisi.

Kuyafaneleka ukunaka izinzuzo zemalimboleko engavikelekile yamabhizinisi amancane:

isivinini esikhulu sokubhaliswa, yingakho kutholakale imali;
ukwenza uhlelo lokukhokha oluzobheka imininingwane yomsebenzi lowo;
ithuba lokuthola izimali ngendlela elula yosomabhizinisi - ngokheshi, ngemali yakwamanye amazwe, ngokudluliswa kwebhange ngokwemininingwane ebekiwe.

Kubalulekile ukukhumbula ukuthi ibhange lihlola ngokucophelela amadokhumende ahlinzekwe ngaphambi kokukhipha imali mboleko. Le nqubo yenzeka ngakunye ecaleni ngalinye. Ngesikhathi sokuhlaziywa, abasebenzi basebhange bafuna ukuhlola Ukuxazulula umbolekiukuthola iziqinisekiso zokukhokhwa kwemali mboleko ekhishiwe.

Lapho ufaka isicelo semalimboleko ngaphandle kokuhlinzeka ngokuvikeleka, isiqinisekiso sokubuyisa isikweletu sithi:

Idumela lomboleki;
amathuba okuthuthukiswa kwebhizinisi;
usayizi wenzuzo ehleliwe.

Kuyavela lokho uhlangothi olulodwa inqubo yokuthola imali mboleko ngaphandle kokunikeza ukuphepha yenziwe lula kakhulu.

kodwa Ngokwesinye isandla, amathuba okuthola isinqumo esihle ngesicelo ancishiswe kakhulu significantly. Lokhu kuyiqiniso ikakhulukazi kumabhizinisi asanda kudalwa noma ahlelelwe ukuvula ibhizinisi.

Ukwanda kwenani lama-bounces kuchazwa kalula - kumbolekisi, ubungozi bokungabuyisi lapho kukhishwa imali yokuqalisa osomabhizinisi benyuka kakhulu существенно.

Kungakho, lapho kwenziwa izinhlelo zokukhipha imali mboleko kumabhizinisi ngaphandle kokusebenzisa imali, ababolekisi ezimeni eziningi baqinisa kakhulu izimo zabo.

Imali mboleko yamabhizinisi ngaphandle kwesibambiso nabaqinisekisi ibonakaliswa ngamapharamitha alandelayo:

Izikhathi zokubuya ezincane- kuzofanele ugcwalise izibopho ngaphansi kwenkontileka ngokushesha okukhulu;
Usayizi wemalimboleko onomkhawulo - akunakwenzeka ukuthi kuzotholakala inani elanele ngokwanele ngaphandle kokunikeza iziqinisekiso ezingeziwe ngesibambiso. Ezimweni eziningi, kungenzeka ukwamukela ngaphandle kwesibambiso nama-guarantors angiphinde 1 ama-ruble ayizigidi;
Ukwandisa usayizi wokubheja uma kuqhathaniswa nemalimboleko evikelwe futhi eqinisekisiwe. Zivame ukufinyelela 25% ngonyaka.

Ngokwemvelo, izimo ezinjalo azinabusizo kosomabhizinisi. Imvamisa osomabhizinisi benza isinqumo esimweni esinjalo sokuxhumana abadayisi bezikweletuleso sithembiso sokuthola izimo ezinhle kakhulu.

Kepha ungakhohlwa ukuthi kunabakhohlisi abaningi abasebenza emkhakheni wezinhlangano zabathengisi. Ngakho-ke, ukukhokhelwa kwemisebenzi yabo kufanele kwenziwe kuphela ngemuva kokukhishwa kwemali mboleko.

Ngokunikeza imali mboleko ngaphandle kwesibambiso, amabhange abeka engcupheni yokuthi angatholi nje kuphela imali ehleliwe, kepha futhi alahlekelwe ngokuphelele yimali ekhishwe. Yingakho beqinisa izimo zezikweletu. Ngenxa yalokhu, osomabhizinisi abaningi bayenqaba ukufaka isicelo semalimboleko ngaphandle kwesibambiso.

Ezimweni eziningi, osomabhizinisi abasafufusa kusadingeka banqume imalimboleko evikelekile... Bahlela imalimboleko evikelwe ngebheyili nangesiqiniseko. Kunezizathu eziningana zalokhu: izidingo ezethembekile ngokwengeziwe zomboleki uqobo, izimo ezingekho ngaphansi kokunikela ngemali, njll.

Kodwa-ke, kuleli cala, inqubo yokubhalisa iba yinkimbinkimbi ngokwengeziwe, ngoba kuzofanele futhi uthumele amadokhumenti aqinisekisa ubunikazi bento ethenjisiwe. Uma uhlela ukuboleka imali ngaphansi kwesiqinisekiso sabantu besithathu, kuzofanela ulungise amadokhumenti ayo.

Izigaba ezisemqoka zokuthola imalimboleko yokuvula / yokuthuthukisa ibhizinisi elincane

5. Uyithola kanjani / uyikhipha kanjani imalimboleko yokuqala nokuthuthukisa ibhizinisi elincane kusukela ekuqaleni - izigaba eziyisi-7 zokubhalisa 📝

Ukubolekisela ibhizinisi akuyona into elula. Okokuqala, kuzofanele uzijwayeze izidingo zamabhange zabafakizicelo:

ukuba khona kwenzuzo ezinzile esikhathini esithile;
ukwenza uhlelo lwebhizinisi olusezingeni eliphakeme;
ukuphatha impahla ebiza uketshezi;
ukuhlanzeka ngesikweletu;
ukuthola ibhizinisi ngaphakathi kwendawo yomkhiqizo webhange;
ukuvula i-akhawunti yamanje ebhange ukuze ubolekwe

Lolu hlu alukapheli ngokuphelele. Isikhungo ngasinye sezikweletu ngokuzimela sithuthukisa imibandela yokukhipha imali mboleko.

Qaphela! Amabhange ahlala enombono ongemuhle ngosomabhizinisi abake baba namava amabi okuziqalela amabhizinisi abo esikhathini esedlule.
Ngasikhathi sinye, umsebenzi webhizinisi ophumelelayo esikhathini eside ungaba ukuhlanganisa okuphawulekayo lapho ufaka isicelo semalimboleko.

Isizathu sokwenqaba ukufaka isicelo semalimboleko kungaba:

ukuthathwa kwempahla ephethwe yibhizinisi nokuphathwa kwayo;
izikwelede zentela nokunye ukukhokha;
kuvulwe amacala asenkantolo lapho umfakisicelo ethinteka khona.

Kuvela ukuthi inqubo yokuthola imalimboleko yinqubo eyinkimbinkimbi impela. Ukwenza kube lula kubo, abaqalayo kufanele bafunde ngokucophelela okulandelayo imfundoihlanganiswe ochwepheshe.

Ukuqaliswa okunembile kwezinyathelo ezichazwe ngezansi kukuvumela ukuthi wandise amathuba esinqumo esihle kuhlelo lokusebenza, futhi uvikele inani elikhulu lamaphutha athandwayo.

Isigaba 1. Ukulungiswa kohlelo lwebhizinisi

Bambalwa kakhulu ababolekisi abanquma ukunikela ngemalimboleko kosomabhizinisi nezinkampani ngaphandle kokubuyekeza uhlelo lwebhizinisi... Lokhu kujwayelekile hhayi kuphela ezinhlanganweni ezakhiwayo, kepha nasekuthuthukisweni kwezikhona.

Uhlelo lwebhizinisi Ngumbhalo ochaza isu namasu wokuthuthuka okuqhubekayo kwebhizinisi.

Ukuze uyihlanganise, kwenziwa izinhlobo eziningana zokuhlaziya - ukukhiqizwa, ezezimali, futhi kwezobuchwepheshe... Ngasikhathi sinye, kufundwa kuphela izici zemisebenzi yamanje yenkampani, kepha futhi nemiphumela ezayo yephrojekthi.

Kubalulekile ukubala yonke imali engenayo nezindleko ezivela enqubeni yokuqaliswa kwayo, kanye nokwanda kwenani lokukhiqiza. Uhlelo lwebhizinisi kuhloswe ngalo ukukhombisa kumbolekisi ukuthi imali yakhe izobhekiswa kuphi ngqo.

Umbhalo obhalwe ngokufanele nangobungcweti uqukethe inani elikhulu lamakhasi. Ngokwemvelo, lapho ufunda isicelo semalimboleko, abasebenzi basebhange abanaso isikhathi esanele sokufunda uhlelo lwebhizinisi ngokugcwele.

Ngakho-ke, ngenxa yalezi zinhloso, kuzodingeka ukuthi ngokwengeziwe udwebe uhlobo olufushane lwedokhumenti, oluqukethe amakhasi angeqi kwayi-10.

Isigaba 2. Ukukhetha umkhombandlela wentuthuko

Muva nje, indlela edumile yokuthuthukisa noma yokuhlela ibhizinisi isisebenzisile ama-franchise... Yimodeli eyenziwe ngomumo yokwakha umsebenzi, onikezwa usomabhizinisi ngomkhiqizo owaziwayo osevele usuthandwa kakhulu. Imininingwane engaphezulu ngama-franchise kanye ne-franchising ekushicilelweni kwethu okuzinikele.

I-franchise ingakwazi kakhulu phakamisa ↑ amathuba okuthi ukuvunywa kwesicelo... Amabhange athembeke kakhulu kumaphrojekthi ngokuya ngemigomo yawo, ngoba amathuba okuphumelela kuleli cala aphezulu.

Ngasikhathi sinye, lapho bethatha isinqumo sokuvula amabhizinisi abo, abangaziwa, ababolekisi bayangabaza ngesicelo esifakiwe. Esimweni esinjalo, akekho ongaqinisekisa impumelelo.

Ukuba nesivumelwano se-franchise esinelayisense kuyishintsha ngokuyisisekelo le ndaba. Kufanele kukhunjulwe ukuthi iningi lezinkampani ezinikezela ngomkhiqizo wazo zingabalingani besikhungo esithile sezikweletu. Kukuyena okufanele ufake isicelo semalimboleko.

Isigaba 3. Ukubhaliswa kwemisebenzi

Noma iyiphi inhlangano kufanele ibhaliswe ngokufanele nezinhlaka zikahulumeni. Uma inkampani ivula nje, kuzofanele udlule kule nqubo.

Okokuqala, umuntu kufanele khetha uhlelo oluhle kakhulu lwentela... Ukuze wenze lokhu, kuzodingeka ufunde inani elibalulekile lemininingwane efanele noma uthinte i-accountant efanele.

Ngemuva kwalokho, ngemibhalo efanele, kuzofanele uye ehhovisi lentela. Lapho sekuphothulwe inqubo yokubhaliswa kwenkampani, usomabhizinisi unikezwa okufanele isitifiketi.

Isigaba 4. Ukukhethwa kwebhange

Ukukhetha isikhungo sezezikweletu kuyisinyathelo esibaluleke kakhulu ekutholeni imalimboleko. Isibalo samabhange akhipha imali yokwakhiwa nokuthuthukiswa kwebhizinisi sikhulu kakhulu. Iningi labo linikela ngezinhlelo eziningana ngezimo nezici zazo.

Esimweni esinjalo, ukukhetha ibhange kungaba nzima. Umsebenzi ungenziwa lula ngokuhlola izikhungo zezikweletu ngezici eziningi eziphakanyiswe ngongoti.

Izindlela zokukhetha ibhange ngemali mboleko yebhizinisi yilezi ezilandelayo:

ubude besikhathi somsebenzi emakethe yezezimali;
ukunikela ngezinhlelo eziningana ngasikhathi sinye, ezifanele izigaba ezahlukahlukene zababolekayo;
ukubuyekezwa kwamakhasimende wangempela asebenzise izinsizakalo zebhange okukhulunywa ngalo;
imibandela yokunikezwa kwesikhungo sesikweletu - isilinganiso, ukutholakala kanye nosayizi wamakhomishini ahlukahlukene, isikhathi kanye nenani lemalimboleko.

Ochwepheshe batusa ukuhlela imalimboleko emabhange amakhulu, amakhulu. Kubalulekile uku amagatsha futhi Imishini ye-ATM zazitholakala ebangeni lokuhamba lombolekayo. Ukutholakala nokusebenza kahle kubaluleke ngokufanayo ukubhenka online.

Isigaba 5. Ukukhethwa kohlelo nokufakwa kwezicelo

Lapho ibhange likhethiwe, ungaqala ukuhlaziya izinhlelo ezinikezayo. Kufanele kukhunjulwe ukuthi zingahluka hhayi ngemibandela kuphela, kepha futhi nasezidingweni zomboleki noma isibambiso.

Lapho uhlelo lukhethiwe, luhlala lusondla uhlelo lokusebenza... Namuhla akudingekile ukuya ehhovisi lasebhange ngalokhu. Iningi lezikhungo zezikweletu linikela ngokuthumela lona kumodi online... Kwanele ukugcwalisa ifomu elifushane kuwebhusayithi bese uchofoza inkinobho "Thumela".

Ngemuva kokubuyekeza isicelo ngabasebenzi basebhange, iklayenti liyathola isinqumo sokuqala... Uma kuvunyelwe, kuzohlala nemibhalo ukuvakashela igatsha lasebhange.
Ngemuva kokukhuluma nomfakisicelo nokubukeza imibhalo yoqobo, izokwamukelwa isinqumo sokugcina.

Ubulula bokufaka isicelo nge-Intanethi butholakala ekwazini ukuxhumana namabhange amaningana ngasikhathi sinye. Kulokhu, ungonga isikhathi esiningi.

Uma kunqatshwa ebhange elilodwa kufanelekile ukulinda enye impendulo.

Uma imvume itholakala kubakweletisi abaningana, kusala ukukhetha okufaneleka kakhulu phakathi kwabo.

Isigaba 6. Ukulungiswa kwephakeji lemibhalo

Eqinisweni, ochwepheshe bayeluleka ngaphambili lungisa imibhalo edingekayo, ikakhulukazi leyo edingekayo yonke indawo. Vele umbolekisi ngamunye udweba uhlu olufanele yedwa. Noma kunjalo, kukhona uhlu olujwayelekile lwamadokhumenti.

Iphakheji lihlala lihlanganisa amaqembu ama-2 amadokhumenti:

Imibhalo kasomabhizinisi, kanye nesiqinisekiso njengomuntu ngamunye. Lokhu kufaka phakathi ipasipoti, idokhumenti yesibiliukukhomba umuntu. Kwezinye izimo kuyadingeka isitatimende semali engenayo.
Izincwadi zebhizinisi – ingxenye, uhlelo lwebhizinisi, ibhalansi noma eminye imibhalo yezezimali. Uma ikhona, ungahle udinge isivumelwano se-franchise... Uma kukhishwa idiphozi, kuzofanele uthumele imibhalo yobunikazi esakhiweni esihambelanayo.

Lapho imibhalo eminingi umboleki wesikhathi esizayo ekwazile ukuyiqoqa, ayanda amathuba esinqumo esihle.

Isigaba 7. Ukwenza inkokhelo yokuqala nokuthola imali ebolekiwe

Imvamisa, imali mboleko yebhizinisi ikhishwa kuphela ngombandela wokuthi inkokhelo yokubambisa... Lokhu ikakhulukazi kuthinta izimalimboleko zokuthengwa kwezakhiwo, izimoto nemishini ebizayo.

Kulesi sinyathelo, uma kunesidingo, yenza isitolimende sokuqala bese uthola imibhalo efanelekile esekelayo.

Ukubala imalimboleko ngokwakho, siphakamisa ukusebenzisa umshini wokubala wemalimboleko:

Ngaphezu kwalokho kwenziwe ukusayina isivumelwano semalimboleko... Ngeke kube yinto engadingekile ukuphinde ngikukhumbuze ngesidingo sokufunda ngokucophelela isivumelwano ngaphambi kokusisayina.

Lapho isivumelwano sisayinwa, obolekayo uzothola izimali mboleko zebhizinisi. Ezimweni eziningi, imali ibizwa ngqo ku ngibheka i-akhawunti obolekayo. Kodwa-ke, uma uthola imali mboleko yokuthenga imishini, ingcebo noma izimoto, imali idluliselwa ngqo kumthengisi.

Uma ulandela imiyalo engenhla ncamashi, ungagwema izinkinga eziningi. Ngaphezu kwalokho, ungasheshisa kakhulu inqubo yokubhalisa.

6. Ungasitholaphi isikweletu sebhizinisi - Amabhange aphezulu we-TOP-3 anezimo ezinhle zokubolekwa kwemali 📊

Ungathola imali mboleko yebhizinisi enanini elikhulu lamabhange. Kukhethwa kaningi kunzima. Kungasiza izincazelo zamabhange amahle kakhuluihlanganiswe ochwepheshe.

Ngakho-ke, ake sibheke ukuthi yimaphi amabhange ahlinzeka ngemali mboleko engabizi futhi enenzuzo kumabhizinisi amancane.

1) Ibhange

I-Sberbank yibhange laseRussia elidume kakhulu. Izinhlelo eziningi zokubolekwa kwamabhizinisi zenziwe lapha.

Izibalo ziqinisekisa lokho mayelana 50% yabantu abadala baseRussia ngamakhasimende alesi sikhungo sezikweletu. Esimweni esinjalo, osomabhizinisi abaningi (ikakhulukazi ekuqaleni kwemisebenzi yabo) okokuqala bazama ukuthola imali mboleko lapha.

Ochwepheshe bayeluleka okokuqala, naka izimo zohlelo "Ithemba"... Yenzelwe ukuhlangabezana nezidingo zamabhizinisi amancane naphakathi nendawo.
Ngokuya ngalolu hlelo, ngaphandle kwesibambiso, ungathola kuze kufinyelele ezigidini ezi-3... Lokhu kungenziwa hhayi kuphela yizinkampani, kodwa futhi nangosomabhizinisi ngabanye. Izinga lenzalo kusuka16,5% ngonyaka.

I-Sberbank inezinye izinhlelo:

ukuveza imalimboleko yebhizinisi;
impahla yebhizinisi;
ukugcwalisa imali yokusebenza;
yokuthengwa kwezimoto nemishini;
ukutshala imali kwezamabhizinisi;
ukufaka amaphuzu;
ukuqashisa.

Kunolayini ngokwesiko abade ehhovisi lakwaSberbank. Kodwa-ke, ukufaka isicelo semali mboleko yebhizinisi, kwanele ukuvakashela iwebhusayithi yayo. Lapho ugcwalise uhlu lwemibuzo lapho, kuzodingeka ulinde impendulo cishe 2-3 usuku.

2) IRaiffeisenbank

Kulabo abangakwazi ukuhlinzeka ngohlelo lwebhizinisi, ama-guarantors noma impahla njengesibambiso, ibhange linikela ngokukhipha isikweletu sabathengi.

Osomabhizinisi abafisa ukufaka isicelo semalimboleko ekhethekile yenkampani noma usomabhizinisi ngamunye, izinhlelo eziningi zenziwe lapha:

ukweqisa ngokweqile - izimo zibhekwa ngazodwana;
ukuveza - ikuvumela ukuthi uthole ngokushesha ngaphambi 2-x ruble ayizigidi;
zakudala - uhlelo ongaluthatha ngaphambi 4,5 ama-ruble ayisigidi.

Ukuthola imali mboleko ehamba phambili yebhizinisi lakho, vele ushayele ibhange. Abasebenzi bazokweluleka futhi bakusize uqonde zonke izingqinamba zezinhlelo ezikhona.

3) I-VTB Bank yaseMoscow

Izimali mboleko ezikhethekile zenzelwe lapha amabhizinisi amancane akhona namasha asanda kuvulwa.

Izinhlelo ezidume kakhulu zifaka:

ukwakha imali yokusebenza - Uhlelo lwenzuzo;
ukusebenzisa imali eyeqile kubhalansi kwi-akhawunti yamanje - I-overdraft;
yokuthengwa kwemishini, kanye nokwandiswa komkhiqizo okhona - Umbono webhizinisi.

Ungathola futhi okwendabuko imali mboleko yomthengi njengomuntu ngamunye (umnikazi webhizinisi)... Kulokhu, inani lingafinyelela 3-x ruble ayizigidi.

Uma izimali ezinikezwa ngaphansi kwalolu hlelo zanele ibhizinisi, kunengqondo ukucabanga ngokuthola imalimboleko ngaphansi kwalo. Ngemalimboleko yabathengi, isilinganiso sizoba kusuka 14,9% ngonyaka.

Ukuze kube lula ukuqhathanisa amabhange amahle kakhulu, imibandela eyisisekelo namanani wenzalo yemalimboleko kuvezwa etafuleni.

Ithebula "amabhange we-TOP-3 anezimo ezinhle kakhulu zokubolekwa kwebhizinisi":

Inhlangano yezikweletu	Inani eliphakeme lemalimboleko	Linganisa	Ezinye izinhlelo
I-Sberbank	3 million ruble	Kusuka ku-16.5% ngonyaka ngaphansi kohlelo lweTrust	Izipesheli zenzelwe ukuthengwa kwezimoto nemishini
*I-Raiffeisenbank*	Ama-ruble ayizigidi ezingama-4,5	Kusuka ku-12.9% ngonyaka	Ungathola usizo ekukhetheni uhlelo ngocingo
I-VTB Bank yaseMoscow	3 million ruble nokuningi	Kusuka ku-14.9% ngonyaka	Izinhlobo ezahlukahlukene zemisebenzi yokuvula nokusebenza

Kusuka etafuleni, ungakhetha ibhange lokucubungula imalimboleko yebhizinisi ngezimo ezithandekayo namanani wenzalo aphansi.

7. Imali mboleko evunyelwe kumabhizinisi amancane - ulutholaphi futhi kanjani usizo kuhulumeni 📃

Namuhla, inani elikhulu lezakhamizi zaseRussia lihlela ukuqala ibhizinisi labo. Ukuze wenze lokhu, nakanjani kuyadingeka umbono nemali... Ngeyokuqala, konke kucacile. Imvamisa wonke umuntu unombono noma wamukelwa kwezinye izinkampani.

Kodwa-ke, akuyena wonke umuntu onezimali zokuhlela ibhizinisi. Ngokubheka izinga eliphakeme kakhulu elinikezwa ngamabhange kosomabhizinisi abasafufusa, singasho ukuthi cishe akunakwenzeka ngabasanda kufika ukubathola.

Umbuso uyasiza. Njengengxenye yokuxhasa amabhizinisi amancane, inikeza izinhlelo eziningi zemalimboleko. Kodwa-ke, ngaphambi kokuthi uvumelane nanoma iyiphi yazo, kufanele ufunde ngokucophelela konke okusemandleni izindlela zokuthola usizo kuhulumeni.

7.1. Izinhlobo zemalimboleko kahulumeni yamabhizinisi amancane

Umbuso uzama ukuxhasa osomabhizinisi abancane namhlanje. Okokuqala, kuvezwa ezinhlelweni ezikhethekile zezikweletu, eziningi zazo ezakhiwe. Zihluka ngokuyinhloko ngohlobo losizo, kanye nasesihlokweni esinelungelo lokusekelwa okunjalo.

1) I-Microcredit yezinkampani ezincane

Izifunda zaseRussia ziye izisekelokuhloswe ngalo ukwenza ama-microcrediting amabhizinisi amancane naphakathi nendawo.

Yilezi zinkampani ezibambe iqhaza ekukhipheni izimalimboleko ngosizo lukahulumeni kosomabhizinisi. Imibandela yokukhishwa kwemali mboleko iyahluka ngokuya ngesifunda ekhishwe kuso.

Okuyinhloko plus (+) abameli abathanda ukubolekiswa ngemali ukutholakala okuphezulu... Imali ingamukelwa kungakhathalekile ukuthi inkampani noma usomabhizinisi usebenza kuphi.

Kufanele kukhunjulwe engqondweni ukuthi ezifundeni ezahlukahlukene, kungabekwa ukubolekisa ngemali imikhawulo.

Ngokuvamile, imigomo yemalimboleko kahulumeni yamabhizinisi amancane ibonakala ngalezi ezilandelayo:

Inhlangano noma usomabhizinisi kumele abhaliswe esifundeni lapho kuhlelwe ukuthi imali mboleko ikhishwe khona;
Inani ezimweni eziningi ayidluli 1,5 ama-ruble ayisigidi, kepha kwezinye izimboni noma izinhlangano zeRussia Federation, inani lemalimboleko lingehliswa;
Izinga lokubolekwa kwemali nguhulumeni linqunywa yizinto eziningi - amathemba ebhizinisi, izidingo zemakethe, ukuxazululwa kwalowo obolekayo, ukutholakala kwesibambiso, inani lesibambiso, ubukhulu kanye nesikhathi semalimboleko. Ngokwesilinganiso, kuyehluka ngaphakathi kusuka ku-8 kuye ku-12%;
Izimali zemali mboleko zikhishwa ngokudluliswa kwebhange;
Iyasebenza ukulinganiselwa ngenani lemalimboleko engabhaliswa;
Ezimweni eziningi, ukuze uthole imali mboleko kuzofanele uhlinzeke ukuphepha... Kungaba yisibambiso isib, impahla noma imali yokusebenza, kanye nesiqiniseko;
Uma imibandela ebekwe yisivumelwano semalimboleko yombuso ingahlangatshezwa, umboleki uyabekwa kulungile... Izijeziso ezivame kakhulu ukukhushulwa kwemali yenzalo;
Ngemuva kokunikeza iphakethe eligcwele lemibhalo, uhlelo lokusebenza luzolinda isikhathi esithile kusuka 5 ngaphambi 10 izinsuku... Isikhathi sethemu sinqunywa ngendaba okubhaliswa ngayo.

2) Isiqinisekiso sombuso

Kulokhu, ukubolekisa kwenziwa ngebhange lezentengiselwano. Isikhwama sikahulumeni siba isiqinisekiso ngaphansi kwesivumelwano semalimboleko esimele i-Federal Notary Chamber.

Ababoleki kumele baqonde ukuthi akuzona zonke izinhlangano ezikweleta ababambe iqhaza ekubolekiseni uhulumeni. Ukuthola ukuthi yiliphi ibhange okufanele uxhumane nalo, kufanele uvakashele iwebhusayithi esemthethweni kahulumeni waseRussia.

Eqinisweni, imigomo yemalimboleko evikelwe yisiqinisekiso sikahulumeni ayihlukile kakhulu kunaleyo enikelwe ngemali mboleko yendabuko.

Kufanele ulungiselele iqiniso lokuthi ukucatshangelwa kwesicelo kungathatha isikhathi eside. Ngaphezu kwalokho, akuvamile ukuthi isikhwama sibe isiqinisekiso sengxenye yemali ebolekwayo kuphela.

Kubalulekile ukwazi ukuthi ngokwesiko, okuthandwa yizibambiso kunikezwa ababoleki abalandelayo:

izinkampani zokukhiqiza nezezezimboni;
izinhlangano ezinikezela ngezinsizakalo kwizakhamizi emkhakheni wezenhlalo;
izinkampani ezintsha.

Lapho kubhekwa izicelo zeziqinisekiso zikahulumeni, isikhwama sibheka ukuthi mingaki imisebenzi eyakhiwe ngulowo obolekayo.

3) Imixhaso

Okosomabhizinisi abaningi imixhaso uhlobo oluhle kakhulu losizo lombuso. Lokhu kungenxa yokuthi kuhlinzekwa imixhaso ngokuphelele free... Kepha ungazikhohlisi - abanye osomabhizinisi kuphela abangathola usizo olunjalo.

Ukubheka ukwabiwa koxhaso, kuzofanela uhambisane nenqwaba yemikhawulo eqinile:

faka isicelo esikhungweni sokuqashwa bese uhamba ngenqubo yokubhalisa njengomuntu ongasebenzi;
ukuphasa ukuhlolwa kwengqondo eSikhungweni Sokuqashwa;
bhalisa futhi uqedele ukuqeqeshwa esifundweni se-Entrepreneurship;
bhala futhi uthumele uhlelo lwebhizinisi.

Lapho kubhekwa isicelo soxhaso, usomabhizinisi kufanele abhalise njengomnikazi wendawo noma inhlangano yedwa. Kungemva kwalokho kuphela lapho izimali ezibolekiwe zizodluliselwa kuye.

Kuyafaneleka ukucatshangelwa! Ngemuva kokuthola imali mboleko zonke izindleko kuzofanele zibhalwe phansi... Kuyadingeka ukuthi zihambisane ncamashi necebo lebhizinisi elethwe ebhange ukuze licutshungulwe.

Imvamisa, umxhaso unikezwa ngezidingo ezilandelayo:

ukuthenga noma ukuqashisa izindlu nomhlaba ngokwenza imisebenzi;
ukuthengwa kwezimpahla zokuhweba;
ukuthengwa kwemishini, kanye nezimpahla ezingaphatheki.

Isidingo sazo kufanele siboniswe kuhlelo lwebhizinisi. Kepha akufanele ujabule ngaphambi kwesikhathi - izicelo eziningi zemixhaso ziyenqatshwa.

4) Isibonelelo

Nikeza olunye uhlobo losizo kosomabhizinisi, okuyi Mahhala... Ngokwemvelo, akuwona wonke umuntu ozokwazi ukuthola izimali ezinjalo. Yilokhu abaningi abakucabanga njengobubi obukhulu bezibonelelo.

Le mikhakha elandelayo yosomabhizinisi ifanelekile ukuthola lolu hlobo losizo lombuso:

osomabhizinisi abasanda kuqala imisebenzi futhi asebenze isikhathi esingaphansi konyaka;
izinhlangano ezidale inani elikhulu lemisebenzi;
Imfuneko yokuvunyelwa kwezibonelelo zabafakizicelo ukungabi bikho kwemali esilele emuva kwimalimboleko nasekukhokhelweni kwesabelomali.

Lapho kubhekwa isicelo soxhaso, kubhekwa nensimu yomsebenzi kasomabhizinisi. Kufanele kukhunjulwe ukuthi ibhizinisi ngalinye leRussian Federation ngokuzimela linquma ukuthi yimiphi imikhakha enikezwa izibonelelo.

5) Izinkokhelo zesinxephezelo, kanye nekhefu lentela

Izinkokhelo zesinxephezelo imele ukubuya ngesimo sengxenye yezimali ezisetshenziselwe ukuthuthukisa imisebenzi.

Osomabhizinisi abasebenza kulezi zindawo ezilandelayo bangathola izinkokhelo ezivela kuhulumeni:

ukukhiqiza okusha;
ukukhiqizwa kwemikhiqizo engena esikhundleni sokungenisa;
izinkampani zezinsizakalo.

Ukusizwa kwentela ababizwa kanjalo amaholide entela... Kusho ukukhululwa kwebhizinisi ekudluliseni izinkokhelo zentela ngezikhathi eziningana - imvamisa kungadluli iminyaka emi-2.

Osomabhizinisi bangathembela emaholidini entela uma kuhlangatshezwana nale mibandela elandelayo:

umsebenzi uqalwe muva nje;
lapho ekhetha uhlelo lwentela, usomabhizinisi wakhetha uhlelo olwenziwe lula noma lobunikazi;
inkampani isebenza ekukhiqizeni, inhlalakahle yomphakathi noma isayensi.

7.2. Izidingo zababolekisi kanye nezici zokubolekisa

Izidingo zabangaba ababoleki, kanye nezimpawu ezisemqoka zokuhlinzekwa kwemali mboleko, kunqunywa ikakhulu yilolo hlelo usomabhizinisi alufakela isicelo. Ukwenza lula ukucatshangelwa nokuqhathaniswa kwalezi zinhlaka, kuyabonakala etafuleni elingezansi.

Ithebula lokwehluka phakathi kwezimo zezikweletu nezimfuneko zomboleki, kuya ngohlobo lokusekelwa kombuso ngebhizinisi:

Izidingo zesikweletu	Izici zohlelo
*I-Microcredit yezinkampani ezincane*
Ukubhaliswa kwebhizinisi endaweni yebhizinisi elenziwe yiRussian Federation, lapho kuhlelwe ukukhipha isibambiso semalimboleko yempahla ebizayo engamanzi	Inhloso yokubolekwa kwemali ukuthuthukiswa nokwesekwa kwamabhizinisi amancane naphakathi nendawo.Isikhathi semalimboleko asidluli 12 izinyanga
Isiqinisekiso sombuso
Kufanele uthinte isikhungo sezezikweletu esibambe iqhaza kuhlelo lombuso Ibhizinisi kumele libhaliswe okungenani ezinyangeni eziyisithupha ezedlule Imisebenzi kufanele yenziwe esifundeni sokubhaliswa kwemali mboleko Ukungabi bikho kwemali ebolekiwe kanye nezinkokhelo kusabelomali Ingxenye yenzalo kuzodingeka ikhokhwe ngezimali zakho	Indlela elula yokuthola izimali ngezinkampani ezisebenza emkhakheni wezokukhiqiza, ubuchwepheshe obusha, ukwakhiwa, izinsizakalo zabantu, ezokuthutha, ezemithi, ezezindlu nezinsizakalo zomphakathi, ezokuvakasha ngaphakathi kweRussia Ngeke kwenzeke kosomabhizinisi ababambe iqhaza ekugembuleni, emshuwalense, ebhange, kuma-pawnshops nasezimalini ezibalulekile amaphepha
Imixhaso
Isifunda ngasinye saseRussia uqobo sinquma ukuthi imiphi imikhakha yomsebenzi ebaluleke kakhulu kuyo. Kungenxa yabo ukuthi umxhaso uhloselwe Kuyisibopho ukuhlinzeka ngohlelo lwebhizinisi Ukuxhaswa kuhloswe kuphela kosomabhizinisi ngabanye kanye ne-LLC Usomabhizinisi kuzofanele afake imali ethile ezikhwameni zakhe	Imixhaso ikhishelwa ukuthengwa kwezinto zokusetshenziswa, okokusebenza, okokusebenza kokukhiqiza, kanye nezinsizakusebenza ezingaphatheki Isikhathi sesivumelwano semalimboleko sincane - asidluli 12-24 izinyanga
Nikeza
Ibhizinisi liqhutshwa okungaphezu kwalokho 12 izinyanga Umlando wesikweletu kufanele ucace bha Le nkampani idale imisebenzi eminingi esifundeni Phambilini, bezingatholwa izinzuzo zikahulumeni Kunokonga okwanele ukwenza isitolimende sokuqala	Imali inikezwa kuphela osomabhizinisi nezinkampani ezihlobene namabhizinisi amancane naphakathi nendawo
Izinkokhelo zesinxephezelo
Zinikezwa izinkampani ezisebenza emkhakheni wezindlela ezintsha kanye nokuhlinzekwa kwezinsizakalo ezikhiqiza izimpahla zokufaka izinto ezingeniswa kwamanye amazwe	Idizayinelwe ukuthuthukiswa kwamabhizinisi amancane naphakathi nendawo
*Ukusizwa kwentela*
Ukwenza ibhizinisi akusekho 12 izinyanga Uhlelo lwentela olwenziwe lula noma lobunikazi luyasetshenziswa Idizayinelwe izinhlangano zezimboni, izinkampani zesayensi, izinsizakalo zomphakathi	Amaholide entela ahlinzekelwa ubuningi be- 24 izinyanga

Ngakho-ke, le mikhakha elandelayo yosomabhizinisi inethuba lokuthola usizo lukahulumeni:

ukuqala ibhizinisi kusuka ekuqaleni kancane 1 iminyaka edlule;
inkampani isebenza emkhakheni wokukhiqiza noma wokuqamba izinto ezintsha noma inikezela ngezinsizakalo emphakathini;
azikho izinkinga ngokubolekwa kwemali nezinkokhelo kusabelomali.

7.3. Lapho ungathola khona usizo lukahulumeni

Ngokwesigaba esithile sosizo kosomabhizinisi, kufanele uxhumane nomzimba kahulumeni obhekele lokho. Okuyinhloko kuxoxwa ngakho ngezansi.

Uma usomabhizinisi efisa ukubamba iqhaza ohlelweni lwezimali ezincanekufanele ahambe esiKhwameni Sokuxhaswa Kwamabhizinisietholakala enhlanganweni yeRussian Federation, lapho ibhaliswe futhi isebenza khona.

Kulokhu, kuzodingeka unikeze uhlu oluthile lwamadokhumenti. Kuyahluka ngezinhlobo ezahlukahlukene zenhlangano nezomthetho, kanye nezifunda. Uhlu oluphelele lungatholakala ngokuvakashela iwebhusayithi yeSisekelo sebhizinisi elithile le-Russian Federation.

Kodwa-ke, ungasho imibhalo eminingi ezodingeka nakanjani:

isicelo sosizo lukahulumeni singalandwa kuwebhusayithi esemthethweni yeSisekelo;
uhlu lwemibuzo, kanye namakhophi ama-passport nezitifiketi ze-SNILS, zombili ezibolekayo kanye ne-guarantor;
amadokhumenti abambekayo;
isitifiketi sokubhaliswa kwentela;
imibhalo yokubika;
isitifiketi sokubhaliswa kombuso;
khipha kwiRejista Yombuso Ehlanganisiwe Yezinhlangano Ezisemthethweni noma i-EGRIP;
khipha kwirejista yamabhizinisi amancane naphakathi nendawo;
uma ikhona - ilayisense kanye ne-patent.

Ukuthola usizo ngendlela yesiqinisekiso sikahulumeni, kufanele uxhumane ebhangeobamba iqhaza ohlelweni olufanele.

Ngasikhathi sinye, iphakethe lamadokhumende cishe ngeke lehluke kulelo elichazwe ngenhla. Ngokwengeziwe udinga ukugcwalisa uhlelo lokusebenza ngesiqinisekiso sikahulumeni.

Ngemuva kwalokho, isikhungo sezezikweletu sizobuyekeza ngqo iphakethe lemibhalo bese silidlulisela Isikhwama... Zizofundelwa lapho futhi. ngesikhathi 3izinsuku.

Ukuthola uxhaso, isibonelelo noma inkokhelo yesinxephezelo kufanele uxhumane ekushintshaneni ngabasebenzi (Isikhungo Sokuqashwa)... Imibhalo esemqoka izoba uhlelo lokusebenza, futhi yabhalwa kahle uhlelo lwebhizinisi.

Uma inhloso kasomabhizinisi ukuthola amaholide entela, kufanele ahambe kumhloli wensizakalo yentela yenhlangano... Yilapho ungathola lonke ulwazi, kanye nohlu lwemibhalo edingekayo.

Izeluleko ezingokoqobo zokuthi ungasithola kanjani isikweletu kuhlelo lwebhizinisi lokuqala nokwakha ibhizinisi lakho

8. Ungayithola kanjani imali mboleko yohlelo lwebhizinisi lokuqala ibhizinisi - izeluleko ezi-6 eziwusizo ezivela kochwepheshe 💎

Ibhizinisi lidinga imali njalo: esigabeni sokuvula, kanye nasekuthuthukiseni imisebenzi, akunakwenzeka ukwenza ngaphandle kokufakwa kwemali eyengeziwe.

Ezimweni eziningi, imalimboleko yisixazululo esihle kakhulu sezizathu ezi-2 eziyinhloko:

Ukukhipha imali ekusakazeni akukaze kusebenze njalo. Izenzo ezinjalo zingaholela ekwehleni kwenzuzo, kanye nakwimithamo yokukhiqiza;
Lapho uqala ibhizinisi lakho, isikhathi sivame ukudlala ngokumelene nosomabhizinisi. Ngakho-ke, esimweni esinjalo, kufanelekile ukucabanga ngemalimboleko, futhi ungalondolozi inani elanele.

Obolekiwe kuzofanele akhombise ibhange ngokuzixazulula kwakhe. Imvamisa, ngenxa yale njongo, kuyadingeka ukuhlinzeka uhlelo lwebhizinisi... Ukwenza lula umsebenzi wokuthola imalimboleko ngezinhloso ezichazwe kulo mbhalo obalulekile, kufanele uyiqonde kahle imithetho yokulungiswa kwayo.

Iseluleko sikachwepheshe sokwenza uhlelo lwebhizinisi lokubolekwa kwemali:

Iseluleko 1. Kungcono ukubhala uhlelo lwebhizinisi ngokwakho. Akufanele neze ngaso sonke isikhathi ukubhekela izinsizakalo zezinhlangano ezivela eceleni nabantu ngalokhu.

Amabhange amaningi anikeza osomabhizinisi ifomu lokwenza uhlelo lwebhizinisi. Ukuyibhala ngokusho kwalesi sifanekiso kungasemandleni kasomabhizinisi, umcwaningi mabhuku noma usomnotho ojwayelene kakhulu nemisebenzi yenkampani futhi onganikeza kangcono isidingo semali yesikweletu.

Uma ngasizathu simbe kunqunywa ukuthi ubhekise kochwepheshe beqembu lesithathu ukuze uthole usizo, kufanele umbuze kusengaphambili ukuthi ngabe wake wazibhala yini izinhlelo zebhizinisi zezikhungo zezikweletu.

Iseluleko 2. Zonke izivumelwano ezidingekayo (ngokwesibonelo, izivumelwano zokuqashisa, ukunikezwa kwezimpahla nemishini, njll.) Ziphetheka kahle ngaphambi kwesikhathi.

Uma ungaqoqa inani eliphakeme lezivumelwano zokuqala ezidingekayo ukufeza inhloso yokuthola imali mboleko, ungathembela kumqondo othembeke kakhulu webhange.

Iseluleko 3. Kuyinto efiselekayo ukuthi inhloso yokubolekisa ayinikezwa ngemali ebolekiwe ngokugcwele, ingxenye ethile kumele ikhokhwe yizimali zikasomabhizinisi uqobo.

Uma unayo imali yakho hhayi ngaphansi 20%, ungakhuphula kakhulu ukuzethemba kwebhange. Kungokwemvelo ukuthi ababolekisi bathembekile kulabo somabhizinisi abangasabi ukubeka engcupheni izimali zabo.

Ithiphu 4. Uma ibhizinisi lidinga ukuthola isizumbulu semali isikhathi eside, kufanelekile ukuxhumana nebhange iklayenti layo elivele liyinkampani.

Imvamisa, lesi yisikhungo sesikweletu esine-akhawunti esetshenziswa unomphela.

Uma usomabhizinisi esethole imalimboleko kuleli bhange futhi ekhokha ngempumelelo imalimboleko amahlandla amaningi, uyaqinisekiswa ukuthi uzokhipha imali mboleko entsha (ngisho nenani elikhulu) ngeke yenqatshwe.

Ithiphu 5. Into ebaluleke kakhulu okufanele ikhonjiswe kuhlelo lwebhizinisi ukubalwa kwezezimali. Lokhu kuyiqiniso ikakhulukazi ngenzuzo engaba khona ngokutshala izimali ezibolekwe kuphrojekthi.

Ngaphezu kwalokho, akufanele uzibe izingqinamba zokubuyiselwa kwemali mboleko. Ngokufanelekile, kuyinto efiselekayo ukuthola imali eyanele yokwenza izinkokhelo zanyanga zonke ngaphambi kokuthola imali mboleko.

Okubalulekile! Isigaba sokumaketha sohlelo lwebhizinisi imvamisa akufundwa kakhulu ngabasebenzi basebhange. Kepha kufanele kuqinisekiswe ukuthi akukho ukuphikisana phakathi kwalesi sigaba nezinye izingxenye zombhalo.

Ithiphu 6. Ngaphambi kokuvakashela leli bhange, isisebenzi esizomela izintshisekelo zenkampani kubakweletisi kufanele sifunde ngokucophelela uhlelo lwebhizinisi kusukela ekuqaleni kuze kube sekugcineni.

Kulokhu, uzokwazi, ngokushesha nangempumelelo ukuphendula imibuzo, ukufakazela ebhange ithuba langempela lokuthuthuka ngosizo lwemali yesikweletu.

Kubalulekile ukuthi ube nomthwalo wemfanelo ngangokunokwenzeka lapho wenza uhlelo lwebhizinisi. Lokhu kuzosiza ekwandiseni ngokuphawulekayo amathuba esinqumo esifanele esicelweni semalimboleko.

9.Imibuzo evame ukubuzwa (i-FAQ) ngokubolekiswa kwamabhizinisi amancane naphakathi nendawo medium

Ukubolekisa ngebhizinisi - umbuzo mkhulu futhi unezici eziningi. Kungakho, lapho ufunda lesi sihloko, kuvela inani elikhulu lemibuzo. Ngeke ukwazi ukuphendula yonke into ekulesi sigaba. Noma kunjalo, sinikeza ngezansi izimpendulo zemibuzo ethandwa kakhulu.

Umbuzo 1. Ngabe zikhona izinkinga ekubolekiseni amabhizinisi amancane eRussia namuhla?

Namuhla, uhulumeni waseRussia wenza umzamo omkhulu wokuxhasa osomabhizinisi abancane.

Kubalulekile ukuqonda ukuthi ayikho iphrojekthi yebhizinisi engaqalwa ngaphandle kwemali edingekayo. Kuyimali yokuqala imali ebaluleke kakhulu ekwakheni inkampani.

Kodwa-ke, akubona bonke osomabhizinisi abanezimali ezanele zokuqala ibhizinisi labo. Kungasiza ukubhekana nenkinga ukuboleka ibhizinisi... Yile ndlela yokukhulisa imali edume kakhulu lapho kwakhiwa ibhizinisi elisha.

Ngasikhathi sinye, amabhange aseRussia awanaso njalo isifiso sokukhipha imali ebolekwa izinkampani ezintsha. Isinqumo esihle yamukelwa kungadluli 10% izinhlelo zokusebenza.

Incazelo ilula impela - ukuboleka ibhizinisi elisanda kudalwa kuhlale kuhlotshaniswa nengozi enkulu amabhange angafuni ukuyithatha.

Kaningi, amaphrojekthi amasha awahlangabezani nokulindelwe ngabanikazi bawo. Ngenxa yalokho, ibhizinisi alikaze libe nenzuzo. Kulokhu, ngeke kube khona okuzokhokhwa ngemali mboleko oyitholile. Kuvela ukuthi ukubolekisa amabhizinisi amancane akusizi ngalutho kubabolekisi.

Amabhange azimisele kakhulu ukukhokhela izinhlangano ezinkulu ngezimali ngezizathu ezilandelayo:

ungathola imali ethe xaxa ezinkampanini ezinjalo, ngoba bakhetha ukuboleka imali enkulu ngokushesha;
iningi labo selisemakethe isikhathi eside futhi imvamisa selivele linegama elithile. Ngenxa yalokhu, amathuba okukhokhwa okufika ngesikhathi kwezinkokhelo zanyanga zonke akhula kakhulu.

kodwa Ngokuphikisana nombono wokuthi izinkampani ezinkulu zingabantu ababolekayo ngokweqile, abahlali njalo befeza izibopho zabo.

Ngenxa yalokhu, amabhange athembeke kakhulu ku- izinkampani ezincane ezikalwa kakhulu ngamafemu wokulinganisela nawokucwaninga amabhuku.
Yilezi zinhlangano ezinikeza ukuhlolwa okuqonde kakhulu kwemisebenzi yanoma yimuphi usomabhizinisi. Embikweni wabo, ababheki kuphela izinkomba zokusebenza zamanje, kodwa nezimo zokubikezela.

Isikhathi somsebenzi umboleki ongaba khona ubuye abe neqhaza elibonakalayo enqubweni yokwenza izinqumo zebhange kuzicelo ezifakiwe. Akudingekile ukuthi iminyaka yenkampani ilinganiswe emashumini eminyaka. kodwa uma kuphakama ngu-the, kulapho-khona-ke amathuba okuvunywa kwesicelo.

ERussia, kunzima kakhulu ukuthola imali mboleko yokwenziwa komsebenzi kunokuthuthuka kwayo. Kulokhu, kuzofanele wenze umsebenzi obucayi wokuhlaziya izinkomba ezingaba khona zezezimali nokwenza uhlelo lwebhizinisi.

Umbuzo 2. Yiziphi izimo zokunikezwa kwemali mboleko kumabhizinisi amancane aqinisekiswe yizakhiwo?

Izindlu ezithengiswayo ziyisibambiso esikhanga kakhulu emabhange amaningi. Okudingekayo kuphela izinga eliphezulu lokuthengiswa kwemali futhi ukutholakala kwesidingo entweni ethile. Kungakho lapho uthola imali mboleko yebhizinisi evikelekile nge-real estate, ungathembela ezimweni ezinhle kakhulu.

Izinzuzo (+) zemalimboleko yebhizinisi evikelwe yimpahla ingafaka:

isikhathi eseluliwe semalimboleko, engafinyelela 10 iminyaka;
isilinganiso esiphansi, kunezinhlelo ezingenakho ukuphepha;
asikho isidingo sokuhlinzeka ngohlelo lwebhizinisi, noma isimo sengqondo ngalo mbhalo siqotho ngangokunokwenzeka;
isivinini sokubhalisa;
imvamisa isivumelwano semalimboleko sinikeza ukukhokha okuhlehlisiwe.

Yize kunenani elikhulu lezinzuzo, imali mboleko evikelekile ngokuthengisa izindlu nomhlaba kosomabhizinisi inezinkinga eziningi.

Okubi (-) kwale mali mboleko kufaka:

inani lemalimboleko elikhona ngokuvamile ayidluli 60% kusuka kunani elilinganisiwe. Ngakho-ke, ukuboleka inani elikhulu akunakwenzeka ukuthi kusebenze;
ukuhlolwa kwento ethenjisiwe ezimweni eziningi kwenziwa ngabasebenzi besikhungo esikweleta noma inkampani ebambisana nebhange. Umphumela ungaba inani elingabhekiwe embikweni we-appraiser. Ngokwemvelo, njengomphumela, inani lemalimboleko livame ukuba ngaphansi kunalokho obekulindelwe ngumboleki.

Kufanele futhi kukhunjulwe ukuthi isibambiso sendawo yokuhlala akuqinisekisi isinqumo esihle sebhange ngesicelo esifakiwe.

Funda kabanzi mayelana nemalimboleko evikelwe yi-real estate ku-athikili ehlukile kumagazini wethu.

Umbuzo 3. Kuthiwani uma udinga imali-mboleko ephuthumayo ukuze uqale ibhizinisi elincane ekuqaleni?

Osomabhizinisi abaphathi njalo ukuthola imali mboleko yokuqala ibhizinisi kusukela ekuqaleni, ikakhulukazi ngemali. Kodwa-ke, noma amabhange enqabile, kunethuba lokuthola imali esikweletini.

Ochwepheshe bayeluleka ngokusebenzisa enye yezinketho ezichazwe ngezansi.

Ezinye izindlela zokuthola imali mboleko yebhizinisi

Inketho 1. Ukubhaliswa kwemali mboleko yomthengi njengomuntu ngamunye

Osomabhizinisi bangathatha imalimboleko yabathengi uma benemali engenayo njengomuntu ngamunye. Kodwa-ke, ezimweni eziningi, usayizi wemalimboleko yabathengi akwanele ukuqala ibhizinisi.

Inketho 2. Ikhadi lesikweletu

Uma inani elincane linganele ukuhlelela ibhizinisi, elihlelelwe ukuthi libuyiswe ngokushesha okukhulu, ungakhipha ikhadi lesikweletu.

Inzuzo lo mkhiqizo kungenzeka ukuthola imali mboleko ngaphandle kwenzalo.

Namuhla amakhadi wesikweletu athandwa kakhulu ahlinzekwa ngamabhange alandelayo:

I-Alfa Bank - umkhawulo omkhulu ngu 500 000 ama-ruble... Isikhathi somusa sithi 100 izinsuku... Kusebenza ekukhishweni kwemali;
I-Tinkoff inikeza ikhadi lesikweletu lale mali ngaphambi 300 000 ama-ruble... Ikhadi likhishwa mahhala futhi lilethwa ekhaya lakho noma ehhovisi. Isikhathi esingenayo inzalo 55 izinsuku;
I-Renaissance Bank inikeza ikhadi lesikweletu ngokukhishwa kwamahhala nensizakalo. Inani eliphakeme lemali mboleko yalo ngu- 200 000 ama-ruble... Isikhathi somusa sithi 55 izinsuku.

Kubalulekile ukutadisha ngokucophelela imibandela yokunikeza ikhadi lesikweletu, izinketho zokukhokha nezokhipha imali, izimali namakhomishini kusengaphambili.

Inketho 3. Ukubambisana nenkampani enkulu enkulu

Ngokungena kubambiswano nenkampani enkulu enkulu, ungathola imali yokuhlela ibhizinisi lakho. Kepha osomabhizinisi abanolwazi abahlali njalo bezimisele ukuxhasa osomabhizinisi abasafufusa ngezimali.

Ukufeza lokhu, kufanele ukhombise ukuheha kwephrojekthi. Ikhwalithi ephezulu uhlelo lwebhizinisi.

Option 4. Ukubambisana ne-Entrepreneurship Support Center

ERussia, kukhona ukusekelwa kwezinye izindawo zemisebenzi yamabhizinisi amancane.Osomabhizinisi abanesiqiniseko sokuthi inkampani yabo izokwakha insizakalo noma umkhiqizo izwe elidingayo kufanele bafune usizo kulezi zinhlangano ezilandelayo:

Ama-Incubators Ebhizinisi;
Izikhungo Zokuxhasa Amabhizinisi Amancane;
ezinye izinhlaka zikahulumeni ezinikeza usizo kosomabhizinisi.

Lezi zinhlangano zitholakala kunoma yiliphi idolobha elikhulu ngokwanele. Banikeza usizo kosomabhizinisi ngendlela yeziqinisekiso zemalimboleko yabo, kanye nokukhokhwa kwengxenye yesikweletu.

Izinkampani ezisebenza kulezi zindawo zomsebenzi ezilandelayo zingathembela ekutholeni ukwesekwa nguhulumeni:

isakhiwo;
Ezolimo;
izinsizakalo zomphakathi;
izimayini kanye nokwabiwa kwemithombo;
ezokuthutha;
ukuxhumana.

Sikweluleka futhi ukuthi ufunde indatshana yethu yokuthi ungayithola kanjani imali ebolekiwe ngokheshi ngosuku lokufaka isicelo sepasipoti.

Umbuzo 4. Uyithola kanjani imali mboleko yokuthenga ibhizinisi elenziwa ngomumo?

Akuwona wonke umuntu ophumelelayo ekuqhubeni ibhizinisi lakhe, kwesinye isikhathi osomabhizinisi bayazibuza, okufanele ukwenze uma inkampani isivele isunguliwe... Ngasikhathi sinye, kulula ukuthenga umsebenzi kunokuzihlelela ngokwakho.

Konke lokhu kuholela ekubukekeni emakethe komkhiqizo ongajwayelekile onje ibhizinisi elilungile,futhi amabhange amaningi asungule izinhlelo ezikhethekile zokuthenga ngesikweletu.

Kodwa-ke, enqubweni yokuthola imalimboleko enjalo, kungavela ezinye izinkinga. Ukunciphisa amathuba okushayisana nabo, kubalulekile ukutadisha ngokucophelela imininingwane yokubolekisa ukuthenga ibhizinisi elenziwe ngomumo.

Esinye sezici zokubolekwa okunjalo ukuthi Abaphathi bezinkampani ezincane bavame ukusebenzisa amaqhinga ahlukahlukene ukwehlisa inzuzo yabo. Benza lokhu ngenhloso yokwehlisa izindleko zentela neminikelo yesabelomali. Umphumela wezenzo ezinjalo ukuthi inzuzo encane ibonakala ekubikeni okusemthethweni kwenkampani, noma ibukeka ingenamsebenzi.
Uma omunye usomabhizinisi efuna ukuthola inkampani efanayo esebenzisa izimali zesikweletu, kungenzeka ukuthi ibhange lizomenqaba. Akekho umbolekisi ofuna ukuboleka imali ukuthola ibhizinisi elahlekile. Kungakho, uma ufuna ukuthenga ibhizinisi elenziwa ngomumo, kubalulekile ukuthi unikeze ibhange imininingwane yangempela ngezindleko, imali engenayo kanye nenzuzo.

Ungacabangi ukuthi amabhange, uma ecubungula isicelo, ancike kuphela ku- idatha esemthethwenie. Izinhlangano zezikweletu zazi kahle ukuthi osomabhizinisi bayenza kanjani imisebenzi yabo.

Ngakho-ke, bathembeke ngokwanele kubo futhi bangasebenzisa ukucabanga imininingwane eyiqiniso... Kepha ungalindeli ukuthi ibhange lizothatha izwi lomfakisicelo. Kunoma ikuphi, isibalo ngasinye kuzodingeka siqinisekiswe yimibhalo yangaphakathi.

Ukuthenga ibhizinisi elenziwe ngomuntu ngokuheha izimali zesikweletu, kuzodingeka wenze izinto eziningi:

Ozoba umboleki ukhetha ibhizinisi eselivele likhona ukuze enze futhi aqhube ukuhlaziywa kwekhwalithi yenzuzo yalo. Ngokufanelekile, ukuhlolwa kufanele kube uhlelo lwebhizinisi... Lo mbhalo uzosiza hhayi kuphela ukutadisha ngokucophelela zonke izici zenkampani etholiwe, kodwa futhi nokuhlola inzuzo yokutshalwa kwemali okungaba khona. Esikhathini esizayo, uhlelo lwebhizinisi luzoba wusizo ukufakazela ukuthi kungenzeka yini ukuthi kutholakale imali mboleko.
Uma usomabhizinisi enelisekile ngemiphumela yezifundo zakhe zebhizinisi, kufanele iya kukhetho lwebhange, uhlelo lokubolekisa nokuhlaziywa kwezimo zokunikezwa kwemali mboleko... Lapho nje isinqumo sendawo yokucubungula imalimboleko senziwe, ungahambisa uhlelo lokusebenza... Ukuze wenze lokhu, uzodinga ukuhlinzeka ngemibhalo efanelekile.
Sebethole imibhalo, abasebenzi basebhange benza ukuhlolwa kwabo. Kulokhu, ukuhlaziywa kwenziwa ku 2izinkomba: Ukuxazululwa kongaboleka imali, inzuzo yokutshalwa kwemali kwesikhathi esizayo... Imvamisa kuvakashelwa indawo yomsebenzi otholiwe. Isinqumo sokugcina ngokunikezwa kwemali mboleko senziwa ekomitini lesikweletu.
Kwenziwa isivumelwano semalimboleko. Ezimweni eziningi, izimo zayo zenziwa ngazodwana.
Ngemuva kwalokho, isivumelwano sisayinwa amaqembu amabili.. Kodwa-ke, obolekayo wesikhathi esizayo kumele afunde ngokucophelela inkontileka. NGAPHAMBI ukuthi ungasifaka kanjani isiginesha yakhe ngaphansi kwaso.
Ukukhokhwa kwenkokhelo yokuqala. Ubukhulu bayo bunqunywa ngesivumelwano semalimboleko. Ezimweni eziningi, kuzodingeka ubeke inani le- kusuka ku-10 kuye ku-40% izindleko zebhizinisi elitholiwe.
Ibhange lidlulisela imali kwi-akhawunti yomboleki.

Uma uthatha isinqumo sokuthenga ibhizinisi lama-franchise, inqubo yenziwa ngezigaba eziningana:

Ozoba ngumboleki ufunda amakilasi ngokuthuthukiswa kwamabhizinisi okwenziwa isikhungo sezikweletu;
Abasebenzi baseBhange benza ukuhlaziywa kokuqala kwalowo ongaba ngumboleki;
I-franchisor ibheka ukuthi kungenzeka yini ukwenza isivumelwano nosomabhizinisi;
Uma i-franchisor inesinqumo esihle, ibhange lizobheka isicelo semalimboleko. Uma kutholakala imvume kumbolekisi, imali mboleko iyakhishwa bese imali idluliselwa ku-franchisor.

Lapho lithola i-franchise ngemali yezikweletu, ibhange, kanye nomthengisi womkhiqizo, benza konke ukuze usomabhizinisi afunde ukuqhuba ibhizinisi. Bamfundisa izisekelo zokuphathwa kwenkampani.

Umbuzo 5. Yiziphi izinzuzo nezimbi zemalimboleko yokuqala ibhizinisi lama-franchise?

Ukuthola imali mboleko yokuqala ibhizinisi lama-franchise

Sinesifiso sokuthola imali mboleko yokwenza ibhizinisi sisebenzisa i-franchise 3 izinhlangothi:

I-Franchiser ulwela ukuthola imali engenayo ephezulu ngokunikeza osomabhizinisi ithuba lokusebenza ngaphansi komkhiqizo wabo;
Usomabhizinisi unentshisekelo yokuthola imali mboleko yokwakha ibhizinisi lakhe. Ungakhohlwa ukuthi ezimweni eziningi kunenzuzo enkulu ukuthi usomabhizinisi athole imali mboleko ye-franchise;
Amabhange ufuna ukuthola inani eliphakeme kakhulu lemalimboleko ye-franchise ezoba yinzuzo. Ngamanye amagama, balwela ukuthola imali engenayo ephezulu njengenzalo yemalimboleko ekhishiwe. Ukuqala ibhizinisi lama-franchise kuhlala kukhanga kakhulu ekubolekiseni kunokuqala ekuqaleni.

Phakathi kwezinzuzo zemalimboleko yokuqala ibhizinisi usebenzisa i-franchise kukhona okulandelayo:

ikhono lokuthola ngokushesha imishini edingekayo yokwenza ibhizinisi;
isivinini esikhulu sokutholakala emakethe;
cishe ukuthengwa okusheshayo kwezinto nezinye izinto, ngaphandle kwalapho ibhizinisi lingenakwenzeka;
asikho isidingo sokuhlela ngokuzimela inkampani yakho yokukhangisa, lokhu kwenziwa ngumnikazi we-franchise;
ibhizinisi kusukela ekuqaleni liqhutshwa ngaphansi komkhiqizo odumile kusetshenziswa umkhiqizo owaziwayo;
Ngaphakathi kohlaka lwephrojekthi, usomabhizinisi uqeqeshiwe ukuthi angawenza kanjani amasu ebhizinisi nokusebenza.

Ngaphandle kwenani elikhulu lezinzuzo, ukuthola imali mboleko yokuthengwa kwe-franchise nakho kunezibi zayo.

Ububi bemalimboleko kusetshenziswa i-franchise kufaka:

Isikhathi sokukhokhwa kwemali mboleko okukhulunywa ngayo imvamisa silinganiselwe. Lokhu kufaka ubungozi obengeziwe, ngoba akwenzeki ngaso sonke isikhathi ukukhokha isikweletu esikhathini esinzima kangako;
Ezimweni eziningi, kuphoqelekile ukuhlinzeka ukuphepha ngendlela yesibambiso noma isibambiso. Akuvamile ngaso sonke isikhathi kumabhizinisi;
Amabhange akhetha ngohlelo lwebhizinisi olwethulwayo. Awavumelani ngaso sonke isikhathi nombono wosomabhizinisi wephrojekthi. Ngaphezu kwalokho, ibhange lingacabanga ukuthi uhlelo lwebhizinisi olukhona kalumele ukumiswa kwekhwalithi yokuqala kwemisebenzi;
Imalimboleko ihlale ihlanganisa izindleko ezingeziwe. Lokhu akuyona inzalo kuphela, kepha futhi nezinkokhelo zomshuwalense, imali yokubhalisa nezinye izinkokhelo;

Uma kunesifiso sokukhipha i-franchise yamazwe omhlaba, kufanele kuqondwe ukuthi izindleko zokubalwa kwemali zizokwenyuka kakhulu. Kuzofanele senze ukubalwa kwezimali kanye nokucwaningwa kwamabhuku ngokuya ngamazinga wamazwe omhlaba jikelele. Ngaphezu kwalokho, kuzodingeka usebenzise imali ekuhumusheni nasekuvumelaniseni imisebenzi.

Kuyadingeka ukuqonda ukuthi ibhange lizokwenza yonke imizamo yokuthola ukuzethemba kokukhokha isikweletu ngenzalo. Kungakho kuzofanele ucabangele izindlela ezilandelayo:

kuphoqelekile ukubhaliswa kombuso njengosomabhizinisi ngamunye noma inhlangano esemthethweni;
ukutholakala komlando wesikweletu omuhle kakhulu, inani eliphansi lezinkinga ngokukhokhwa kwemali mboleko esikhathini esedlule;
amathuba esinqumo esihle azokuba ngaphezulu uma isivumelwano sokuqala nomnikazi womkhiqizo sisayinwe ngaphambi kwesikhathi;
idumela lesikweletu labaqinisekisi libaluleke kakhulu, umsebenzi wakhe emkhakheni we-franchisor uzoba nokuhlanganiswa okungeziwe;
Ukuba khona kukasomabhizinisi wezimpahla ezibizayo nemvume yokubathembisa kukhuphula namathuba okuthola imalimboleko.

Lezi zimo ezingenhla zingaqinisekisa bobabili umbolekisi nomnikazi womkhiqizo ukwethembeka namathemba kasomabhizinisi.

Kepha kufanele ugcine engqondweni ukuthi kungenzeka ukuthi uthole izimali zokwenza umsebenzi osuselwa ku-franchise hhayi ngosizo lokubolekwa kwebhange kuphela.

Ungavula futhi ibhizinisi lakho usebenzisa i-franchise usebenzisa lezi zinketho ezilandelayo:

i-franchisor uqobo inikela ngemalimboleko kunoma ngubani ofuna ukuhlela umsebenzi esebenzisa uhlobo lomkhiqizo wakhe;
imali mboleko engafanele ikhishwa ebhange, kulokhu-ke kungcono ungasho ukuthi imali ibolekwe ukwakha ibhizinisi;
ukuboleka imali emndenini, kubangani noma kulabo obajwayele.

Umbuzo 6. Ungayithola kanjani imali-mboleko yebhizinisi yomuntu ongasebenzi?

Akuwona wonke umuntu ovumayo futhi ongasebenzela ukuqashwa. Izakhamizi ezinjalo zivame ukufuna ukuhlela ibhizinisi lakho.

Kodwa-ke, lokhu kudinga isizumbulu semali. Ezimweni eziningi, abangasebenzi abanayo imali enjalo. Kungakho kuphakama umbuzo, kungenzeka yini ukuthi izigaba ezinjalo zezakhamizi ziboleke inani elidingekayo kwenye indawo.

Eqinisweni, ungathola imali yokuqala ibhizinisi ngabangasebenzi. Ukuze wenze lokhu, kufanelekile ukuxhumana nezinhlangano ezikhethekile ezisiza ekunikezeni ngosizo lombuso kosomabhizinisi abasafufusa.

Okokuqala, kufanele kufezekiswe imibandela ebalulekile yokunikezwa kwemali mboleko:

usomabhizinisi wakusasa kufanele abhaliswe naye Isikhungo sokuqashwa;
kuyadingeka ukubhalisa umsebenzi njengo usomabhizinisi ngamunye noma inhlangano esemthethweni;
thuthukisa ikhwalithi uhlelo lwebhizinisi.

Lapho kuhlangatshezwa le mibandela engenhla, kuzobhekwa ukuthi kungenzeka yini unikezwe imali mboleko Isisekeloukusekela ukuthuthukiswa kwezamabhizinisi. Ngemuva kokudlula kulesi sakhiwo bazothatha amabhange.

Abaningi bakholelwa ukuthi ukuthola imali mboleko yebhizinisi elisha kusuka ekuqaleni abangasebenzi ibhizinisi elinzima nelingenathemba.
Kepha kufanele ugcine engqondweni ukuthi umboleki angaba nenhlanhla futhi azokwazi ukuthola isamba samahhala sokuqala ibhizinisi lakhe (ukuqala) kuhulumeni. Ngakho-ke, kufanelekile ukuzama ukusebenzisa le nketho.

Kunezindlela zokwandisa amathuba okukhipha imali mboleko kwabangasebenzi:

ukuhlinzekwa kokuphepha ngendlela yesibambiso noma ama-guarantors;
xhumana nababolekisi ababolekisa osomabhizinisi abasanda kuqala;
umzamo wokuthola imali mboleko yomthengi.

Kubalulekile ukukhumbula ukuthembeka ngangokunokwenzeka lapho ufaka isicelo sakho. Ukuzama ukukhohlisa umbolekisi ongaba khona, ungangena ohlwini lwabaphula umthetho abanonya, abazokuthola kunzima kakhulu ukuthola imali ngokuzayo.

Ngaphezu kwalokho, uhlelo lwebhizinisi lwekhwalithi enhle kufanele lulungiselelwe kusengaphambili. Uma umbono ucacisiwe ephepheni hhayi ngamagama, amathuba okuvunywa kwesicelo azokhula kakhulu.

Umbuzo 7. Ngisifaka kanjani isicelo semalimboleko yamabhizinisi amancane online?

Kukhona 2 izindlela eziyinhloko zokufaka isicelo semalimboleko yokwakha nokuthuthukisa ibhizinisi online:

kuwebhusayithi esemthethweni yebhange elikhethiwe;
kusetshenziswa indawo yokuhweba.

Ukulandelana kwezenzo lapho kufakwa isicelo kuwebhusayithi yebhange kungokulandelayo:

iya kuwebhusayithi esemthethweni yesikhungo sezikweletu;
funda imigomo yohlelo lokubolekisa;
gcwalisa uhlu lwemibuzo olufaka imininingwane eyisisekelo yombolekayo;
thumela isicelo bese ulinda ukucatshangelwa.

Okubalulekile! Lapho usebenzisa isiza sokuhweba, umsebenzisi uthola ithuba, esevakashele insiza eyodwa, ukuqhathanisa okunikezwayo okuvela kwinani elikhulu lamabhange.

Ukuhambisa isicelo ngewebhusayithi ye-brokerage, kuzodingeka udlule ezigabeni eziningi:

Vakashela iwebhusayithi yomthengisi wemalimboleko. Ukuthola kulula ngokwanele usebenzisa noma iyiphi injini yokusesha;
Esizeni, iya engxenyeni enikelwe ekubolekiseni ibhizinisi;
Ngemuva kokuqhathanisa imigomo yokunikezwa, udinga ukuchofoza kokuhambisa inkinobho yesicelo kulayini webhange elikhethiwe;
Kusele ukugcwalisa uhlu lwemibuzo olufushane;
Lapho kufakwa imininingwane edingekayo, ungathumela isicelo bese ulinda isinqumo sebhange.

Kufanele kuqondwe ukuthi lapho kufakwa isicelo online, isinqumo sebhange sizoba esokuqala. Uma uvunyelwe, kuzofanele uvakashele ihhovisi lasebhange kanye noqobo lwemibhalo edingekayo.

Ngeshwa, umqondo webhizinisi elisezingeni eliphakeme uwodwa awenele ukudala ibhizinisi lakho. Uzodinga futhi nokutshalwa kwemali, imvamisa kukhulu impela. Akuwona wonke umuntu onenani elidingekayo, kepha kunendlela yokuphuma - ungathola imali mboleko.

Kunezimalimboleko eziningi nezikweletu zokuqalisa noma zokuthuthukisa ibhizinisi. Ngaphezu kwalokho, kunethuba lokuthola inani elithile mahhala njengosizo oluvela kuhulumeni. Kubalulekile ukwenza yonke imizamo yokuhlola izinketho nezinhlelo.

Ekuphetheni, sincoma ukubukela ividiyo esihlokweni:

Ithimba lomagazini online "RichPro.ru" lifisela abafundi bayo ibhizinisi eliphumelelayo futhi elinenzuzo. Vumela zonke izinhlelo obolekisayo ozisebenzisayo zibe inzuzo enkulu.

Shiya imibono yakho ngezansi, wabelane ngendaba kumanethiwekhi omphakathi nabangane bakho. Kuze kube yisikhathi esilandelayo!