Eqhinga Financial okanye yokuwa zemali?

Ngeli xesha yokutshintsha ubugcisa, inkcubeko, indlela yokuphila kunye neenkolelo, kodwa invariable kwakukho enye into kuphela - mali. Ukutyhubela iinkulungwane, zikhona kubomi bemihla ngemihla babantu ekwenzeni imisebenzi yawo. Nangona kunjalo, ngexesha uphuhliso Knights Templar kwisigaba mali iye yafumana zinentsingiselo ekhethekileyo, iinkqubo sele ziphuhlisiwe kunye nemithetho, ezo ukuza kuthi ga ngoku. Kwenye yezi nkqubo kuya kuxoxwa ngazo namhlanje.

Eqhinga - isiphumo ahlangeneyo ngumvuzo ngokusebenzisa ukulingana kunye namatyala. Ukuze kucaciswe ngcono le ngcamango, makhe sihlolisise umzekelo ilandelayo: ulawulo Company yagqiba ukuphumeza enye yezi projekthi, leyo baqinisekiswa ukuba benze ingeniso, kodwa zabo imithombo mali akwanelanga, ngokuba inzuzo lilinganiselwe yaye ngokufuthi elise-asethi ezahlukeneyo. Waboleka imali yokunceda ukufumana imali efunekayo kwi ekunene mali ngexesha - oku inkcitho yemali.

Kuyabonakala ukuba loo manyathelo esibaluleke injongo kwaye ziyilelwe ukuba ukwandisa inzuzo imali yakho. Kubalulekile ukuqaphela ukuba le mali akumgangatho (akumgangatho) - oku imeko ngemihla ukuba uthathe imali-mboleko ngenjongo elingenammiselo. Nalo eli nyathelo ukubala ngenyameko yonke kunokwenzeka, khangela ukuba le nkampani ilungele iimfuno kwesi sigaba. Umzekelo, kwi yorhwebo umda akumgangatho ifumaneka kuphela xa capital share kukuba ngaphantsi kwe-50% yemali yakhe.

Kweli hlabathi lanamhlanje esi sixhobo amaninzi isetyenziswa abarhwebi asethi, izibonelelo, okanye nje beyifuna lwemali. Amaxesha amaninzi, ukuze wenze ingeniso entle kwemicimbi akukho ukulingana ngokwaneleyo kule ndawo, bona, ngokunxulumene ngayo basebenzisa iinkonzo abatyali-mali kunye ngemali. Ukongeza izinto njongo, izibalo ezinxulumene ilahleko kunokwenzeka okanye inzuzo ekugqityweni yonke le projekthi wenziwe. Oku kubonisa indlela iyafuneka ngokwenene eqhinga. yokubala ifomyula ilula kakhulu, kwaye sijongeka njengoku:

EGF = (1 - C) x (RA - RD) x (D \ E) apho:

T - Income (ibinzana wokugqibela) irhafu;

RA - nenzuzo impahla yenkampani% (iphepha 190 no-300 form № 2).

RD - Percent-mboleko;

D - waboleka imali;

E - inani lilonke imali yakho (iphepha 490 form inombolo 1.).

Umphumo ube ezimbini kuphela. Ukuba impendulo ngu thabatha, inkcitho-mali iya sibe sibi kuphela inkampani yakho, ukuba ibe ngumqondiso plus, ngoko ke unalo ithuba elihle lokuba ukwandisa inzuzo yakho.

Nam ndingathanda ukuba bathi amagama ambalwa malunga uhlobo nokubaluleka isixhobo enjalo kuwe:

1) I-mali ngaphezulu uthathe imali-mboleko, kokukhona semngciphekweni nokungaphumeleli kwezi zixhobo;

2) eqhinga zemali yenza inkampani yakho ngokuxhomekeke umbolekisi okanye umtyali;

3) Izivumelwano ezinjalo awanyanzele ukuba wenze iintlawulo zenyanga kunye namanye, ukuba ukwehla iingeniso kunye umnatha yerhafu unokukunyanzela ukuba ndithengise ezinye iimpahla;

4) nkqu ukwanda ezincinane iingeniso ngokuncama ekutsaleni Ukuhlawulwa kwetyala nga kwandisa ngokubonakalayo ingeniso "emhlophe" bakho.

Ukuba awufuni ukusebenzisa ulawulo oluxhathisayo zemali, nayo yonke imisebenzi yakho ngeendleko kokulingana kunye nenzuzo, ngoko, njengoko imigaqo emalunga nenzululwazi ezezimali, siqinile yakho lithathwa elizimeleyo ngokwezimali.