Kulula kangakanani ukuthola imali mboleko encane noma isikweletu sebhizinisi lakho?
Sawubona, mina nomngane wami sihlela ukudala ibhizinisi elincane lokukhiqiza. Sinemali yokwakha nentuthuko, kepha asiqiniseki ukuthi zizokwanela ngokugcwele nokuthi singadinga imali ebolekiwe. Ake ungitshele, ingabe kunzima ukubolekisa ibhizinisi lakho futhi kulula ukuthola ngaphansi kwaziphi izimo? U-Anton Chingarov, uSamara.
Ngendlela, ubonile ukuthi idola selivele libiza malini? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
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 | Qhathanisa | 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.
Sawubona Anton! Abantu abaningi baphupha ngokuqala amabhizinisi abo. Kepha abanye bavinjelwa ukungabi nalwazi oludingekayo, ulwazi, ukungabi namali yokuqala, futhi-ke, nokuzithemba. Abakhuthazeke kakhulu bathatha imalimboleko ebhange (Sibhale ukuthi kunenzuzo kanjani ukuthatha imali mboleko ebhange endabeni esehlukile).
Akuyona imfihlo ukuthi eJapan naseYurophu, iphesenti lemalimboleko yokuthuthukiswa kwamabhizinisi amancane imayelana 40%.
Ezweni lethu, inkomba yemalimboleko yebhizinisi igcinwa ezingeni 1 amaphesenti... Isibalo esincane kangaka senza ukuthi kungenzeka ukuthi kube nemalimboleko ephumelelayo yokuthuthukisa ibhizinisi lakho.
Izikhungo zezikweletu eRussia azibethembi kakhulu osomabhizinisi abasafufusa, ngoba iningi labo alinakho okuhlangenwe nakho okusebenzayo. Amabhange azi kahle ukuthi ezinyangeni zokuqala zenzuzo kungenzeka ukuthi usomabhizinisi osemusha ngeke, noma kuzoba kuncane futhi kuzovumela usomabhizinisi ukuthi akhokhele izindleko zamanje kuphela. Ngakho-ke, ukuzixazulula kokweletwayo kwekhasimende elinjalo kuphakamisa ukungabaza okukhulu.
Ukuthola imali mboleko yebhizinisi akulula njengokuthola imali mboleko yokuyivula. Kepha ibhange lizoyikhipha ngenjabulo uma usomabhizinisi enesipiliyoni esiqinile futhi uma ibhizinisi lakhe lisathuthuka. Impumelelo nenzuzo ekuthuthukisweni kuzodlala indima ebalulekile kuleli cala. Ungafunda kabanzi mayelana nokuthi ungathola kanjani imali mboleko ukuze uqale futhi uthuthukise ibhizinisi elincane kusukela ekuqaleni kwendatshana kusixhumanisi.
Ngakho-ke, ake sibhekisise ukuthi yimiphi imingcele amabhange ayinaka lapho ekhipha imali mboleko noma imalimboleko.
Ipharamitha 1. Isibambiso nobufakazi bokuba solvency
Noma ngubani ozimisele ngokwenza into yakhe, kungaba okunengqondo futhi kunengqondo ukuthola isitifiketi se-2-NDFL. Lo mbhalo uzokuqinisekisa ukuthi umuntu ofuna ukuthatha imali yebhizinisi unomthombo wemali oyomvumela ukuthi enze izitolimende nyangazonke emalimboleko.
Indlela yesibili yokukholisa umbolekisi yile isibambiso... Kulokhu, amabhange, njengomthetho, athambile futhi anikeze imali mboleko ngokuzithandela.
Kodwa-ke, ubishi lapha ukuthi isibambiso asizofaka ngaphezulu kwe-70-80% yemalimboleko. Kulokhu, kunenzuzo enkulu ukuthengisa ifulethi bese uthola i-100% yenani lalo. Kodwa-ke, ungaya ekuthengisweni kwezindlu kuphela uma obolekiwe enendawo yokuhlala. Amabhange, nokho, akhetha ukubona ukuthengiswa kwezindlu kunezimoto nezokuphepha njengezibambiso. Konke ubuqili nemininingwane yemalimboleko enjalo kuchazwe ku-athikili - "Ungayikhipha kanjani imalimboleko evikelwe yimpahla yangempela."
Ipharamitha 2. Isiqinisekiso
Enye inzuzo enamandla lapho ufaka isicelo semalimboleko kungaba isiqinisekiso. Isibambiso, njengomthetho, sifaka phakathi abantu abangenayo impahla abangayinikeza njengesibambiso noma omunye umthombo wemali engenayo. Uma bengekho abaqinisekisi, lapho-ke sincoma ukuthi uzijwayeze nendaba - "Ungayithatha kanjani imali mboleko ngaphandle kwezitifiketi nabaqinisekisi ngaphandle kokwenqaba."
Ipharamitha 3. Uhlelo lwebhizinisi
Lona ngumbhalo kuphela wosomabhizinisi osemusha. Ngokwesisekelo sayo, usomabhizinisi omusha kuzofanele akhombise ebhange ukuthi uzokwenza ibhizinisi. Ngakho-ke, enqubeni yokwakha uhlelo lwebhizinisi, kufanele ucabangisise kahle ngayo yonke into, unikeze ukuhlolwa okufaneleyo kwazo zonke izingozi ezingaba khona futhi ufakazele inzuzo yebhizinisi.
Ipharamitha 4. CI
Lapho ufaka isicelo semalimboleko yebhange, umlando wesikweletu seklayenti ubaluleke kakhulu. Ababolekisi, njengomthetho, balitadisha ngokucophelela bese bezama ukuthola ukuthi ngabe umfakisicelo wake walibaziseka esikhathini esedlule noma wasilela ekukhokheni. Uma i-CI yonakele, khona-ke sikucebisa ukuthi ufunde ukushicilelwa kwethu - "Ungayithola kanjani imali mboleko ngomlando omubi wesikweletu".
Ipharamitha 5. Ukonga komuntu siqu
Ubucayi bezinhloso zebhange kuzokhonjiswa ukuthi iklayenti linethuba, ngaphezu kwemali ebolekiwe, yokutshala imali ebhizinisini nakwezinye zezimali zalo. Kuzoba kuhle impela uma isabelo okungenani Amaphesenti angama-25... Ababolekisi bathanda futhi bathembele kubabolekisi abengeziwe.
Ipharamitha 6. Ukubukeka nemfundo
Indlela iklayenti eligqoke ngayo iyabathinta nabasebhange. Ngakho-ke, uma kungekho suti ehloniphekile yokuvakashela ibhange, ungayiboleka kothile. Umsebenzi wabafuna umsebenzi nemfundo yakhe nayo ibhekwa njengesiqinisekiso se-solvency, ngoba ukuba khona kobungcweti nemfundo kuyinkomba yokuthi iklayenti lazi kahle ukuthi lizotshala ziphi izimali elizitholile.
Umphumela
Uma ibhange liyenqaba, umsebenzi oyinhloko wosomabhizinisi osafufusa akukhona ukuphelelwa yithemba, ukukholelwa kuye nebhizinisi lakhe elizayo. Kufanele kukhunjulwe ukuthi osomabhizinisi abaningi abadumile emhlabeni abaqala ibhizinisi kaningi, sebephindile kaningi, kepha bahlangana baqala konke ekuqaleni. Ngakho-ke, ukwenqaba akusona neze isizathu sokwethuka futhi uyeke iphupho lakho. Kungcono ukubhekana ngomoya ophansi nesizathu sokwenqaba futhi udonse iziphetho ezifanele.
Sincoma futhi ukuthi uzijwayeze ukushicilelwa kwethu okusha - "Ungasiboleka kanjani usomabhizinisi ngamunye ngaphandle kwesibambiso nabaqinisekisi."
Ekuphetheni, sincoma futhi ukubuka ividiyo "Ungasithola kanjani isikweletu sokuvula nokuthuthukisa ibhizinisi"
Siyethemba ukuthi umagazini i-Ideas for Life ukwazile ukukunikeza zonke izimpendulo zemibuzo yakho. Sikufisela inhlanhla nempumelelo kuyo yonke imizamo yakho!