Credit ukuphuhlisa amashishini amancinane. iingxaki reception

Uphuhliso Poor womsebenzi nokuqhuba ngenxa nkqubo yolawulo kunye nommiselo kuphela kule nkalo, kodwa ke ingxaki le ukufikelela kwimali-mboleko. Inyaniso kukuba nangaphambi ingxaki ngetyala kuphuhliso amancinci Business wayengekho phakathi eziphambili iimveliso zebhanki.

Imingeni ephambili credit

Ingxaki ephambili yale sengqondo isakhiwo ngaphaya weshishini. inqanaba lwasekuqaleni lokufunda mali entrepreneur yeebhanki engento, yaye into edla yingozi. Nkqu iinkampani elubala ezinzileyo zezimali imisebenzi akusoloko kusenzeka ukuba imali kuba lifuna nophuhliso lwamashishini amancinane. Yintoni sithi malunga nokungabikho ukukwazi entrepreneur ukwenza ingxelo zemali accounting esisiseko ebhankini. Ingxaki ngakumbi yipesenti encinane kwezengqesho kwi-mali ngokomthetho. Kunzima kakhulu ukufumana imali-mboleko ukuze uphuhliso kwamashishini amancinci, ukuba kwi balance sheet benkampani kuphela-5 - 15% imali yabo, kwaye abanye - imali ebolekiweyo. Naluphi na impazamo kulawulo ishishini kunokuphumela ungonakala. ukuba uzinze uphuhliso nkampani ifuna ubuncinane ayi-30% kutyalo -mali lwayo. Ukongeza, ibhanki ibonelele mboleko kuphuhliso lwamashishini amancinane kufuneka ukuba isicwangciso soshishino, esicacisa zonke izigaba zophuhliso lweshishini. Kodwa kulo mzekelo, ukufunda nokubhala zemali entrepreneur ulihlwempu.

Indlela ukuze

Phambi kokukhupha mboleko ukuphuhlisa amashishini amancinane, Sberbank, VTB okanye amanye amaziko yamatyala ifuna ukubonelelwa olugunyazisiweyo lothunyelo ukubuya. nokuhlawulwa kwamatyala kwenziwa ngeendleko yenzuzo yenkampani ezifunyenweyo, bengathabathanga kude ngemali evela kwegazi. Ngenxa yoko, ingeniso leyo kufuneka ibe ngaphezulu kakhulu kunokuba izinga lenzala, ngoko ufuna ukufumana imali-mboleko ukuzenza ukuhlola amathuba akho oshishino. Ukongeza kumanqanaba aphezulu yengeniso, umfaki-sicelo kufuneka angenise ukhuseleko-mboleko. Njengoko iibhanki izibambiso ezinjalo ukwamkela akananto ekudingeka ukuba ulwelo, kwaye xa simthelekisa imali eceliwe. Xilaveko wokukhutshwa mboleko khona i-inshorensi kuphela ngebheyile kwaye asethi inzuzo, koko ubomi lomnini yeshishini elo. Adunyiswe kuphuhliso lwamashishini amancinane uya kufuna guarantors inani amaqabane ezoshishino, amaqumrhu asemthethweni okanye abantu, ngokunjalo amanani zoshishino eziphambili. Le nkxaso ibonisa ukuthembeka kunye negama elihle-sicelo. Ukongeza iphakheji epheleleyo yamaxwebhu, ibhanki angacela ukuba ilungelo ukufikelela kwisivumelwano ukurhoxiswa yeziveliso zayo imali ekhoyo, ukuba kukho ukutyeshelwa yeemeko ngetyala yi-nye umnikimali nomamkelimali. Inqanaba elilandelayo yemali-mboleko iza kuba kwezimilo umboleki. Yaye kuphela emva kokuba ukuba inkonzo yokhuseleko yenza isigqibo: nokuba "ewe" okanye ". Kungekho" akunakuba lwalo lesithathu. Ulawulo yabasebenzi Bank, ngokuzalisa unciphise - inkcazelo yakho eyimfihlo. Zonke isizathu ngakumbi ngenxa yokungavumi akaze kwaziswa client. Lo mgaqo-nkqubo oqhelekileyo zonke iibhanki.