Credit ukuphuhlisa amashishini kwinkampani: amaxwebhu, iimeko. Mboleko kumashishini amancinane kunye naphakathi

oosomashishini abaninzi isigqibo ukwandisa ishishini lakho. Kodwa ke kule meko kungaba kukungabikho indlela ukufezekisa le njongo. Iibhanki zinika udumo ukuphuhlisa amashishini inkampani. Thina nje Kufuneka ukhethe inkqubo ngokupheleleyo kunye neemeko ezifanelekileyo kunye neemfuno.

Ukuba kuyimfuneko, udumo ukuphuhlisa amashishini, kungakuhle ukuba aqhelane iinkqubo yeebhanki eziliqela. Kungcono noko, abonisane ngumcebisi oqeqeshiweyo aya kunceda ukhethe iimeko elilelona. Akukho kangako uthathwa ukuba simazi isivumelwano, esicacisa iimeko wo yingisela.

ukubolekisana zoshishino ingakumbi amancinci

Inkampani ebhalisiweyo njengenkampani, akanako ukwenza imali-mboleko nkonzo xa kuthelekiswa SP. Ngoko ke, ukukhetha ukuba kufuneka incinci. Kodwa iibhanki njalo eza kunye neenkqubo ezintsha. Imfuneko engundoqo kucingelwa ukuba umsebenzi yenkampani. Kufuneka kwenziwe iinyanga ezi-6, kungenjalo kuya kuba ukwaliwa kwesicelo.

Lo mbutho unika ithuba lokuba basebenzise umgca ngetyala ukuba iindleko ziya kwanda. Le lokubolekisa ngaphandle izibambiso. Nokuba ngexesha amaziko lentlekele zebhanki ukunika mboleko kubemi. Siboleka kwiinkampani ezinkulu ebhankini ngokuqhelekileyo oku ukwenza ngaphandle mali kunye guarantors.

Iintlobo-mboleko zokuhlawulela LLC

It abonge ngokuqhelekileyo luqhutywa anikhuphe imali encinci kwaye ipesenti enkulu. Ke nababolekisi ziya kunika izibalo hlula. Owokuqala ingakhutshwa ngaphandle wammela, kunye nezinye kufuneka zinikwe. Iimali-mboleko ngokwabo zahlulwe ezi ndidi zilandelayo:

• Ibolekwe. Iguqulwe kwi akhawunti ye imali evunyiweyo yomboleki. Ukuhlawula ityala, unako lifake imali kwi-akhawunti. Imali ithathwa ngokuzenzekelayo. Injongo ukuxhasa ingeniso yenkampani. Imali isetyenziswe kwi ekupheliseni yokunqongophala ezinkozo, isantya intlawulo. Iimali ukuya mali. Olu khetho obolekisayo inzuzo. Iipesenti iyalungiswa umohluko. Intlawulo yenziwe ngokuzenzekelayo.
• line Credit. Isetyenziswa nokwandiswa kwamashishini. Umgca ikhredithi olujikelezayo and non-esijikelezayo. Ngokuqhelekileyo le mboleko zisetyenziswa ukuthenga imali ezintsha. Ukuthengwa kwezinto ekrwada. Amaziko Financial bayababoleka uhlobo non-cash. Mali isetyenziswa ngokupheleleyo okanye ngokuyinxenye. Isebenzisa inkqubo non-ekujoliswe, kodwa iziko lekhredithi aqhube ulawulo lwenkcitho.
• credit Investment. Ukwandisa ishishini okanye imfuneko yokuthenga izixhobo, ungenza amalungiselelo i mboleko. Kodwa amagama engqongqo ngakumbi xa kuthelekiswa nezinye mboleko. Kufuneka uqokelele ezininzi maxwebhu, kunye nokudala isicwangciso wotyalo libonakalisa indlela ukunyusa ingeniso.

Iziko bekhredithi zifuna ukuthatyathwa intlawulo yokuqala ka-30-40%. Ithuba evuma yiminyaka eli-15. Ukuba inkampani asikusebenzeli ixesha elide, oko kwamkelwa. Iimali-mboleko ezakhutshwa kunye esikalini zero. Ngamanye amaxesha kufuneka ukuba ukhuseleko.

iimeko

Credit ukuphuhlisa amashishini ukuba inkampani akhe Sberbank, VTB 24, "Alfa-Bank" kunye namanye amaziko zemali. Ukuze inkqubo banikela ngokoMthetho nganye. Mhlawumbi uyilo-mboleko phantsi mortgage, isiqinisekiso okanye ngaphandle izibambiso.

Iibhanki zinika credits mln 5 ngereyithi eyi-14.5 ukuya-17%. Kudla oosomashishini ecetywayo iinkqubo zikarhulumente kunye nobhaliso ngokusebenzisa amaziko ezityhulu ze-Russian Federation.

indawo yolwamkelo

Ndilufumana njani ngetyala yophuhliso ishishini? Ukuze wenze oku, yiya kwizigaba ezininzi:

1. Qhagamshelana ibhanki, leyo akhawunti yangoku.
2. Faka isicelo sokubhaliswa mboleko.
3. Qokelela amaphepha.
4. Xa ekuvunyweni ufunda imigomo.
5. Ngena amaxwebhu kwaye ufumane imali.

Ethetha ebhankini, apho kungekho ngxelo, iziko ingafuna ukuthunyelwa nayiphi na imali okanye nayiphi na inxalenye yayo.

ukuya phi?

Mboleko kumashishini amancinane kunye naphakathi ziyafumaneka kwimigangatho eyahlukeneyo. Iimali kunye rates kumntu ngamnye inokuba nomahluko:

• Savings - up to 5 mln ka-16%;
• "Alfa-Bank" - ukuya kutsho kwizigidi ezi-6 engange phantsi-17%;

• "Raiffeisen Bank" - up ukuya kwizigidi 4.5 engange, kwaye izinga emiselweyo ngabanye;
• VTB 24 - 4 mln ukuya kwi-14.5%;
• "Bank of eMoscow" ku engange million 150 kwi izinga ngamnye.

yebhanki yokonga

It inikeza mboleko zoshishino Sberbank, leyo ingaphatha zonke ngoosomashishini. inkqubo Action kumashishini amancinane kunye naphakathi, ngokunjalo abaxhasi ezinkulu corporate. Bank inika iinkqubo eziliqela ukhuseleko, isiqinisekiso kunye akananto.

Isixa-mali ungakwazi ukufikelela ukuya kwizigidi ezi-5. Izinga 16-19,5% ngonyaka ngamnye. Mboleko anikwe ukulungiselela iinjongo ezahlukeneyo: ukulungiswa, kuthengwe asethi ezisisigxina, ukwanda.

inkqubo karhulumente

Asinguye wonke umntu uyazi ukuba kukho iinkqubo zenkxaso zamashishini awohlukileyo phantsi apho izibonelelo ingakhutshwa ukwenzela uphuhliso ishishini. Inkxaso inokuba returnable and non-returnable. Ukuze ufumane inkxaso-mali iza abanakumkholisa wonke. Kuya kukhethwa kwezentlalo esihlenga, ezolimo iiprojekthi mveliso,, ishishini.

Sithabathela ingqalelo inani lemisebenzi, ukuba luncedo imveliso okanye inkonzo. Enye into ebalulekileyo ukuvavanywa kwexesha ngokuphuma, inzuzo kunye payback le projekthi. Running iinkqubo kunye neemeko inxaxheba kuzo zenziwa websites ezisemthethweni mzi.

Isicelo ikhululekile, ukuze nabani na ukuzama phandle i mbutho. Ukuba ulungiselela isicwangciso soshishino, koko bafumane imali evela kurhulumente ngokwenene. kuqala Okuninzi inikwa osomashishini sele ishishini esekwe kunye ingeniso rhoqo.

Njani isicelo?

Ibhalwe mboleko kumashishini amancinci naphakathi iintsuku ezimbalwa. Kuya kuxhomekeka kwiimeko kunye neemfuno, umzekelo, ekulungiseleleni mboleko mali.

Ukufumana mboleko ukuba inkampani ngokuqhelekileyo luqhutywa kunye namalungiselelo izibambiso elulwelo okanye isimemo iziqinisekiso. Kungenjalo uya kwakhatywa mboleko.

ukusuka umsusa

Ibonelela mboleko ukuphuhlisa amashishini ukusuka ekuqaleni, kodwa ukuba zinikelwe kunzima kakhulu. Iibhanki ukubeka iimfuno engqongqo ukuze kubaboleki:

• lweshishini inzuzo;
• ukubhalisa inkampani ayikho ngaphantsi kwe-6 iinyanga-1 ngonyaka.

oosomashishini makhwelo rhoqo ngokuzenzekelayo ukwala izicelo mboleko. Kule meko iya beyila mboleko umthengi ukuba umntu enika impahla mortgaged. Credits ukwenzela uphuhliso lweshishini ukusuka phezulu emhlabeni kwaye banikwa guarantors.

ngaphandle izibambiso

Fumana ngetyala kwinkampani ngaphandle akananto kunzima. Ababoleka kufuneka wazi ukuba ezinye amaziko, ezifana Sberbank, VTB, uza kubonelela-mboleko, kodwa izinga eliphezulu ngokwaneleyo. Imeko ubhaliso lwesivumelwano hlobo isiqinisekiso yomnini ishishini.

izidingo

Credit ukuphuhlisa amashishini kuba inkampani kuya kuxhomekeka kwiimfuno ezininzi:

• abasebenzi - abantu abangaphezu kwe-100;
• inzuzo ngonyaka - ukuya kutsho kwizigidi 400 engange;
• Ingeniso evela mikroorganizatsy engange-60, kwaye urhulumente - hayi ngaphezulu kwe-15;
• Ubhaliso kwi Russian Federation;
• kusemthethweni Business;
• yobudala eyi 23-65;
• Imbali HIV credit;
• imali emihle ingeniso.

imiqulu

Ifuna isicelo ukuze afumane imali-mboleko zophuhliso soshishino inkampani. Maxwebhu ziyohluka ngokuxhomekeka ekubeni umntu client ngaseludinini okanye hayi. kubaboleki abasisigxina kufuneka ukubonelela iingxelo zemali iphepha lwakutshanje akananto, guarantors.

Ukuba umxhasi akuthethi usebenzise iinkonzo ebhankini, kufuneka alungise isiseko, amaxwebhu yokubhalisa. Kwakhona kufuneka ikhadi kunye iisampulu iisiginitsha zabantu abagunyaziswe ukuba ungene. Kufuneka yokundwendwela, inani labo yesazisi werhafu thina. Uluhlu lwamaxwebhu wambi sandisiwe.

sum

Credit ukuphuhlisa amashishini ukuba inkampani wakhupha imali engangezigidi 3-5 engange. Kodwa amanye amaziko, umzekelo, "Bank of eMoscow" unika enkulu. Le meko ke yokuhlawula amatyala benkampani kunye ukuzaliseka izibophelelo ukuba ziyathathwa ukusayinwa kwamaxwebhu mboleko.

amazinga

Inzala mboleko bonke abaxhasi azimisele ngamnye kumntu ngamnye. Intlawulo ukusetyenziswa mboleko kuxhomekeke kwizinto ezininzi:

• solvency;
• period mali;
• Loan lwemali;
• ukufumaneka izibambiso okanye ngummeli wowona.

amazinga Base ngoku 14,5-17% ngonyaka ngamnye. Yaye iinkqubo inkxaso kurhulumente enze-10%.

ngokoMthetho

Le mboleko standard kwinkqubo zibe iminyaka ukuya ku-3. Ngamanye amaxesha kukho ngaphezu ixesha credit elide. Mhlawumbi intlawulo yokuqala, kufuneka nje ukwazi ngoko nangoko xa kukho apho iphuma khona imali.

imbuyekezo-mali

Ukuhlawulwa mboleko alinganayo okanye umohluko. Ngamanye amaxesha mhlawumbi ngabanye iindlela zokuhlawula scheme. Translation lwenziwa kwi-akhawunti yangoku ngetyala. Ukuba intlawulo yasemva kwexesha intlawulo elunxwemeni ityala ukulibaziseka, kwakunye kuncitshiswa rating ngetyala.

Ubuhle lobubi

Kwishishini yeentengo zemboleko zalo eziluncedo:

• asifuneki khomiwa usho ejikeleza;
• kukho amathuba kuqhutywe mboleko ngaphandle mali;
• ungaba lilungu le nkqubo karhulumente ngokukhupha mboleko ezithambileyo.

Kodwa khumbula ukuba iibhanki xa uboleka kuphela ukusebenza koosomashishini esiqinisekisiweyo. Ababoleka kufuneka uqinisekise i yokuhlawula amatyala ngayo le nkampani ukuba ukuvula i-akhawunti idipozithi, ngoku, iiprojekthi yemivuzo, amakhadi corporate. Ke kuyocelwa ubhaliso mboleko.