Yemalimboleko - yayinqabile okanye umlinganiselo kuyimfuneko? ukuboleka

Ngamanye amaxesha le mali ye kwishishini akwanelanga, ngoko ke oosomashishini kufuneka siboleke. Ukuba ingasetyenziswa ukwandisa imveliso, ukuba ahlawule ityala kwaye ufumane ingeniso engakumbi. imali waboleka - abo ke andingowawo umboleki kwaye zinikwe ukusetyenziswa okwethutyana.

Ngu ukuboleka ziquka:

• mboleko Amafama ashishinayo kunye mboleko ebhankini, mboleko.
• Yokuqasha.
• Ukuyicazulula.
• Ezinye iimali waboleka.

Ukongeza imali waboleka, inkampani angasebenzisa nomtsalane. Ngokungafaniyo yokuqala, abasayi kubuyela kulo. Ezi ziquka inkxaso-mali karhulumente qho mali, izabelo equity.

Umlinganiselo kwamatyala kunye nokulingana

Kubalulekile ukuqinisekisa ukuba ubulungisa kunye ityala na imali eseleyo. Kuyimfuneko ukuba uchaze isicwangciso ngokucacileyo amanyathelo aza kusetyenziswa xa yeemeko ebezingaziwa. Xa umtsalane eqhinga kukho isinyuko ethile ilahleko. Ukuba kungatshitshi, abuyisele ishishini akunakwenzeka ukuba baphumelele, yaye le nkampani ibe yimali.

Ulawulo le meko iya kunceda ulawulo oluxhathisayo ratio kunye nemali yakhe. Oku kubalwa ngale ndlela ilandelayo: isixa-mboleko kunye nomdla kuzo kufuneka kwahlulwa kwi iingeniso elizayo kunye asethi zizonke. Le lomlingani iya kuba sisalathisi esibalulekileyo isicelo semali-mboleko; yintoni na asezantsi, kokukhona amathuba lokufumana imali.

Ezikweletini expediently wenziwe kwimeko apho inkampani isebenza stably nengeniso. Usomashishini ofuna ukufumana uncedo-mali ngocoselelo kufuneka ukufunda eli icandelo emarikeni nokuyiqonda kakuhle ubuqili kunye bokuqonda yeshishini.

Yemalimboleko - abo ababandakanyekayo ngoku ixesha elicaziweyo ngokuxhomekeke kwiimeko ezithile.

Fumana iindlela extra umbutho ungakwazi ngolu hlobo lulandelayo:

• Thatha imali-mboleko naluphi na uhlobo.
• Esiyifumana ngabanye kunye amaqumrhu asemthethweni, nokuba le fom yobhaliso.
• Sebenzisa eyakho amatyala.

Ngokwemeko-kwezoqoqosho lwembono, Siboleke imali - umthombo ayimfuneko nokudalwa asethi, kodwa yomthetho - lonke elo tyala. Angase zethuba elifutshane okanye ixesha elide.

Ukuba umsebenzi lo mbutho ukuba siphumelele, imali inkampani ebolekiweyo kufuneka ingasetyenziswa, banikwe umgangatho owamkelekileyo lobungozi. Kuyimfuneko ukuba uthathe ingqalelo iimpawu ezithile izinto kunye nemveliso kunye nomjikelo yokuthengisa.

mali lweshishini ebolekiweyo efunyenweyo ixesha elide, xa kukho ukunqongophala elibukhali yemali, nto leyo ekhokelela ukuba ukwehla ngokukhawuleza kwingeniso. Kodwa inkonzo enjalo obolekayo nga kotaka: ukuvuthwa leenyanga ezili-12. Ukongeza, umbutho kufuneka ingenise ingxelo rhoqo malunga notshintsho tye.

debt accounting

Ngokutsho komthetho, umbutho unelungelo lokukhetha indlela of accounting ukuba ityala athathiweyo ixesha elide. Kukho iindlela ezimbini:

• Uthathela yemalimboleko akhawunti, ixesha lokuhlawula leyo ngaphezu kweenyanga ezili-12.
• ityala Long-term kucacisa elifutshane xa imvumelwano de imali ziintsuku ezingama-365.

Le nkqubo yoqulunqo lweenkcazo zemali kufuneka ziboniswe kwi indlela ekhethiweyo.

ityala ekhawulezileyo engahlawulwanga

Ukuzalisekisa accounting eqhinga, kufuneka kukhunjulwe ukuba ukufakwa kwe-tyala ekhawulezileyo engahlawulwanga kwenziwa ngokwahlukeneyo. Ithatyathwa kungxamisekile ukuba ixesha lokuhlawula ityala eye alikafiki okanye landiswa. Ukuba ixesha lokuhlawula, ngokutsho kwisivumelwano sele liphelelwe lixesha, uyakwazi ukuthetha engahlawulwanga.

Ukuguqulela amatyala engxamisekileyo usemva kufuneka ngemini xa ubolekayo linyanzelekile ukuba uhlawule ityala. iingxelo ezahlukeneyo zilungelelene ngokubanzi subaccounts ezahlukeneyo ezivulelekela ngamanqaku 66 (67).

Ukubalwa umdla kwenziwa ngokungqinelana nesivumelwano semali-mboleko kulo. Kwetyala iboniswe ekupheleni kwethuba lokunika ingxelo.

Ezinye iimali waboleka

Ngokomthetho, i yemalimboleko lweshishini kwakhona nezinye iintlobo yomtsalane. Ezi ziquka ukufakwa liabilities umboleki ngenxa kunikezelo amanqaku promissory kunye nokukhutshwa neentambo.

Ungayifumana njani i-mboleko inzala-free?

Ukuza kuthi ga ngoku, lokubolekisa inkonzo ezithandwa kakhulu. Ukhuphiswano kulo mmandla mkhulu kangaka ukuba iibhanki uzama ukutsala abathengi amagama kakuhle. Babefuna ibalulekileyo mboleko umdla-free.

Ukuze ufumane i-mboleko ngaphandle kwenzala, kufuneka ube imbali obalaseleyo ngetyala kwaye aqokelele onke amaxwebhu. Ngokuqhelekileyo, oko yokundwendwela kunye nekhowudi lokuzazisa. Ngamanye amaxesha ufuna isiqinisekiso yengeniso. Xa umboleki ufuna ukuthatha isixa esikhulu semali, kufuneka uthathe unonophelo le guarantors. Zonke ezinye bokuqonda kufuneka icaciswe ukuba iziko zemali ukuba uya kumnika mboleko.

amaziko Credit abavumelekanga ukuba ukubolekisa ngemali kwi-0% APR, ngoko izinga ziya kuba malunga nama-0.05%. Kwakhona, lo ngokwemvumelwano mabaqeshwe emiselweyo into kwi intlawulo yenyanga kwinkonzo mboleko okanye ubukho kuthunywa.

Ifomu-mboleko yebhanki

Kwimeko apho imali ebolekiweyo - ngumlinganiselo kuyimfuneko, kufuneka ubone indlela ngetyala malini kunilungele ngakumbi ukuthatha. Khetha kungabandakanya oku kulandelayo:

• Ukuba imfuno mali akwenzeki njalo, kusenokwenzeka ukuba i mboleko uhlobo elilinganiselweyo. Ziya kusetyenziselwa ukuxhasa kwimpahla yorhwebo okanye imveliso ugqibile.
• Xa kufuneka ngemali izinto ezinkulu, kungcono ukuba yonke imali ngokugcweleyo.