Kodi ndalama zachitukuko malonda, ngati inu anakana banki

Ngati bizinezi yanu ndipo akufuna kulima, muyenera ndalama. Ambiri njira - kupeza ndalama kubanki, chifukwa amapezera pa ngongole ndi chidwi kuwapatsa kwa inu. Komabe zochita zoipa pafupifupi kosavuta monga limalonjeza malonda ochuluka. Nthawi zambiri mabanki mwina amakana kuti apereke ngongole kwa kukula kwa ntchito, kapena kupereka chiwongola dzanja thambo mkulu. Zachitikiranji zimenezi?

Aliyense ntchito amapita Mipikisano chinthu mayeso, amene kuwonjezera kusanthula basi ngongole, mlingo wa moyo wanu, zaka, maphunziro, etc., akhoza mulinso kutsimikiza kwa ogwira ntchito deta banki. Ngati Nawonso achichepere kuti ntchito mwa gombe, pali mmodzi sanali kugwilizana (mwachitsanzo, imodzi kapena ziwiri malipiro akale mochedwa), simungathe ndingosiya, komanso kubweretsa otchedwa "kusiya-mndandanda" zimene zimakhala zovuta kwambiri kuti . Kodi zimayambitsa kulephera, amayamba sadzadziwa, koma, monga ulamuliro, iwo akhoza kukhala motere:

• kusowa kwa mapepala kulembetsa;

• kusowa kwa ina;

• Business Kuwonekera;

• ngongole ndi zoipa ngongole mbiri;

• chikaiko chitetezo chilolezo anzanu;

• chosakwanira kapena zinthu zonyenga;

• mabizinesi wachokera ku Boma yayenda;

• ziro kulengeza (m'Chingelezi chosavuta dongosolo msonkho, msonkho pa phindu, UTII etc.).

Nthawi zina, magombe kugwirizana kukupatsani ngongoleyo, ngakhale pali kulakwika kulikonse pakati zofunika, koma anapereka chiwongola dzanja mpweya. Izi zingathe kukhala chifukwa chakuti kubanki ndi zosavuta kamodzinso kutetezedwa kusiyana wofufuza tsatanetsatane wa ntchito yanu ndi malonda.

oloŵa

Ngati banki akukana kuti apereke ngongole, mungayesere ntchito mwamsanga ndi mabanki angapo, amatchula ngongole wogula, mu mabungwe ngongole sanali banki , kapena kuyesa kupeza ngongole kwa munthu payekha kapena gulu. Onse mungachite izi ndi pluses ndi minuses:

• Ntchito mwamsanga ndi mabanki angapo. Ngati ndinu wotsimikiza kuti zikalata zanu, mbiri ngongole, etc. chabwino - n'zomveka. Apo ayi kuposa za kuchuluka kwa mabanki inu ntchito ndi kutenga zophukiranso zambiri, koposa inu kuchepetsa mwayi wanu chotenga ngongole chitukuko ntchito mfundo. Aliyense wa mankhwala anu / kukana unalembedwa mu dongosolo banki, ndi mabanki onse wotsatira mosavuta kukana ndi "ofanana" kuposa kuti tidziwe.

• Gwiritsani ntchito thandizo kwa kubweza wogula. Mwatsoka, palibe wogula wina sauza inu pasadakhale kuonetsetsa kuti kwenikweni ulemu. Chinthu chanzeru amachita ntchito zawo, ngati ngongole zanu mbiri bwino, ndipo mulibe nthawi kumvetsa intricacies zonse nambala yaikulu ngongole anatipasa. Ngati mumapereka kuti "Kusintha" mu zolembedwa anu, ndi bwino kusiya ntchito imeneyi, choncho malamulo, ndi zina - ndi kukhumudwa chigawenga. Mulimonsemo, kumbukirani:

  • Osinthitsa zambiri kukatenga si banki bwino ndi munthu amene ali ndi ena mwa mawu "pangano," amene zochokera chidwi ndalama;

  • ndi wogula kulipira (5%), ngakhale ngati mukana kutenga ngongole ovomerezedwa ndi banki, monga zikhalidwe zake chiyani singakwaniritse inu.

• Pezani ngongole ku mabungwe ngongole sanali banki. mabungwe kungaphatikizepo masitolo zosiyanasiyana chuma (kuphatikizapo ngongole chikalata pansi chitsimikizo cha galimoto), komanso Makampani nawo microcredit. Monga ulamuliro, iwo anayikidwa pa wobwereka ndi zofunika zochepa, kupereka ndalama mosavuta ndipo mwamsanga. The drawback kwambiri kwa njira ya ndalama - ndi mitengo kwambiri chidwi - 1,000% pa annum, ndipo ndi njira yolunjika mumsampha ngongole. Komanso, chiopsezo kwambiri ndidutse mu chisokonezo, makamaka ngati mumapereka, kuti apereke ngongole wotetezedwa ndi nyumba ya - inu zambiri kuthamanga chiopsezo kutaya katundu wawo wonse chifukwa cha zochita oletsedwa awa "obwereketsa".

• Pezani ngongole kwa anthu payekha. Koyamba, iyi ndiyo nthawi yambiri njira kupeza ndalama zachitukuko ntchito, chifukwa nthawi zambiri bwinobwino kumene angapeze ndalama zimenezi. Komabe, lero pali zambiri pa Intaneti ngongole, kumene mungapeze ndalama zawo ndi kukhoma polojekiti yanu.

ngongole Site Intaneti
Izi malo Intaneti ndi angapo ubwino:
mitengo yabwino ya 15%. Mosiyana ndi mabanki, mgwirizano wapangidwa mwachindunji pakati pa wobwereka ndi Investor mosagwiritsa ntchito m'khalapakati.
Free. Pakuti kaikidwe ka ntchito pa kuphana ngati borrowers samapereka malipiro aliwonse. Kuwonjezera pamenepo - inu anapereka sikhala kukula kwa mlingo chidwi ndi kusankha ndalama.
Yabwino. Inu kupulumutsa nthawi ndi ndalama, kotero momwe angathetsere kufunafuna Investor, inu mukhoza chosonyeza, mwachindunji ku Intaneti Nkhani udindo wanu kapena kunyumba.
The drawback okha ambiri Intaneti cha ngongole zimene zikhoza akomere ntchito mwamtheradi aliyense, ndipo palibe amene ali thandizo ndipo amathandiza borrowers kuti mwachikulu kuunikira ntchito yanu kuti dzi ku mawonedwe a ndalama angathe. Motero, pa dzanja limodzi, chidwi kuchepetsedwa ndi chikhulupililo cha anthu amene akufuna kuti aganyali ndalama, ndi borrowers si kutetezedwa chinyengo kapena ndalama chabe oipa amene akhoza kubweretsa kwa inu amafuna mwadala curtained, ntchito umbuli wanu.
Koma nsanja ngati onlaynzaymov kuti ndi ubwino onse pamwamba (mlingo pa ngongole ku 15%, kuthekera wodzilamulira kusankha ndalama, borrowers ufulu malawi ntchito, etc.), anatha kukonza ndondomeko ya ntchito mogwirizana kwa borrowers ndi ndalama, kotero kuti anakhala ndakuwonetserani, kupezeka ndi poyela kwathunthu kwa mbali zonse:
Lodalirika. borrowers onse ayenera kukumana ndi luso yotsimikizira za Bank European kwa kumanganso ndiponso Development. Borrowers timatha chenicheni ziyenera a ziyembekezo za bizinesi, ndalama - zimatsimikizira alipire ndi profitability ndalama padera.
Cholinga ziyenera. Ngakhale ngati mulibe yololedwa mwalamulo, luso lanu kulipira akhoza anatsimikiza zochokera kusanthula Nkhani kasamalidwe. Ngati ndi kotheka, katswiri mukhoza kupita kwa inu, pa malopo kuwunika kudalirika kwa gulu lako ndi vuto kwenikweni.
Chilungamo ndi chilungamo. Kubverana borrowers ndi ndalama zochokera yekha pansi pa lamulo Federal. Posankha mgwirizano ngongole inu palibe m'modzi ndi konse akamufunsirire apereke nyumba pa wogwira ntchito kapena kubwereka galimoto mu oyimitsira lapansi. Wobwereka kwathunthu kutetezedwa zochita n'kosaloleka kuti akhoza kuwononga bizinesi yake kapena katundu.
A thamanda la ndalama kutsimikiziridwa. Luso kupeza ngongole ndi otsika mtengo komanso mofulumira. Pali ambiri ndalama chidwi pakuika ntchito ovomerezedwa buku pa msika online-ngongole. Ndi ndalama nthawi ndi nthawi zambiri mgwirizano mobwerezabwereza, mayina kukhulupirira anapanga dongosolo chiopsezo ziyenera ndi chikoka chuma cha polojekiti.
chidule
pa Intaneti mpata kupeza ngongole chitukuko ntchito paokha, mwamsanga, popanda kuwaika intermediaries ndi ku kwambiri mawu abwino kwambiri. Motero - sanali banki ngongole payekha ali ayamba wotchuka, chifukwa mu mawonekedwe ubwenzi mulibe overpay cha ngongoleyo, kupereka mavuto a mabanki, ndalama zawo yokonza kalasi A + ofesi ndipo thambo mkulu mabonasi a Mabwana Oyang'anira pamwamba.