Kutenga ngongole - mwanaalirenji kapena muyeso zofunika? sankakhala

Nthawi zina mwini ndalama za ogwira ntchito si kokwanira, kotero amalonda ndi kubwereka. Iwo akhoza kugwiritsidwa ntchito kuonjezera kupanga ngongole ndi kupeza phindu. Anabwereka ndalama - amene simuli wobwereka ndi Amawapatsa ntchito zosakhalitsa.

Ndi ngongole monga:

• ngongole malonda ndi ngongole kubanki, ngongole.
• Kubwereketsa.
• Factoring.
• Other anabwereka ndalama.

Kuwonjezera ndalama abwereka, kampani mwina ntchito ndi wokongola. Mosiyana woyamba, iwo sati anabwerera. Zikuphatikizapo ndalama onse pa thandizo maziko, magawo chilungamo.

The chiŵerengero cha ngongole ndi chilungamo

Nkofunika kuonetsetsa kuti chilungamo ndi ngongole ndi mosamala. M'pofunika kufotokoza njira bwino kanthu kuti zigwiritsidwe ntchito pa nkhani ya zochitika zadzidzidzi. Pamene kukopa popezera mpata alipo wina imfa pakhomo. Ngati ife kupatsira, kubwezeretsa ntchito n'zokayikitsa bwino, ndi kampani adzakhala akupsya.

Kuthana ndi vuto kudzakuthandizani popezera mpata chiŵerengero ndi ndalama zokha. Iwo masamu motere: chiwerengero cha ngongole ndi chidwi pa iwo uwagawire pa revenues m'tsogolo ndipo chuma chilichonse. The koyefishienti adzakhala chizindikiro pochita ngongole: zimene n'chozama, wamkulu Mwina kupeza ndalama.

Pobwereka expediently ikuchitika choncho kumene kampani umagwira stably ndi ndalama. Wamalonda amene akufuna thandizo la ndalama ayenera bwinobwino kuphunzira gawo ili la msika ndi bwino omwe ndi ovuta ndi zina zabwino za bizinesi.

Kutenga ngongole - amene mukugwira nawo tsopano ndi nthawi mwachindunji ndi nkhani mikhalidwe yeniyeni.

Pezani njira owonjezera bungwe mungathe motere:

• Kutenga ngongole ya mtundu uliwonse.
• Landirani anthu ndi mabungwe alamulo, kaya mawonekedwe a kalembera.
• Ntchito zanu ngongole.

Kuyambira mfundo chuma view, anabwereka ndalama - gwero zofunika kwa chilengedwe cha chuma, koma malamulo - ngongole ya kampaniyo. Maudindo kukhala short- kapena yaitali.

Kuti ntchito bungwe kukhala zothandiza, kampani anabwereka ndalama ayenera kugwiritsidwa ntchito, kupatsidwa mlingo zovomerezeka kukuvuta. M'pofunikanso kuganizira zinthu zenizeni za zochitika ndi kupanga ndi malonda mkombero.

Anabwereka ogwira ntchito ndalama analandira kwa nthawi yaitali, ntchito pamene pali kusowa lakuthwa ya zachuma, imbaenda dontho mofulumira ndalama. Koma utumiki amenewa wobwereka si kopindulitsa: kukhwima kwa miyezi 12. Komanso, bungwe azipereka lipoti wokhazikika pa kusintha mu chilungamo.

mlandu ngongole

Malinga ndi malamulo, bungwe ali ndi ufulu wosankha njira mlandu ngongole anatengedwa yaitali. Pali yachiwiriyo:

• Kutenga akutenga ndalama nkhani, nyengo alipire amene ndi yaitali kuposa miyezi 12.
• Yaitali ngongole anamasuliridwa mu yochepa pomwe mgwirizanowo mpaka obwezeredwa ndi masiku 365.

ndondomeko kulongosola ayenera zimaonekera njira osankhidwa.

ngongole mwamsanga ndipo overdue

Ndikukhazikitsa mlandu popezera mpata, tiyenera kukumbukira kuti likhale la ngongole mwamsanga ndipo overdue wochititsidwa payokha. Akuti mwamsanga ngongole alipire nthawi yomwe ali siyidafike kapena anawonjezera. Ngati nyengo alipire, malinga ndi mgwirizano kale anatsirizika, mukhoza kulankhula za arrears.

Kumasulira ngongole mwamsanga mu arrears ayenera kukhala mu tsiku pamene wobwereka ndi ayenera kubweza ngongoleyo. marekodi osiyana zambiri bungwe mu subaccounts osiyana kuti kutsegula kwa zigoli 66 (67).

Yowerengera chidwi imagwiridwa malinga ndi pangano ngongole. Ngongole kukuonetsedwa kumapeto kwa nyengo ya malipoti.

anabwereka ndalama zina

Mwa lamulo, akutenga ndalama za kumalo a ntchito zina zimakhala ndi zina kukopa. Zikuphatikizapo kaikidwe ka ngongole wobwereka mwa issuance a zolemba promissory ndi issuance kumangigwa.

Momwe chidwi wopanda ngongole?

Pakali pano, kukongoza ndi utumiki otchuka kwambiri. Mpikisano mderali kwambiri kotero kuti mabanki mukuyesa kukopa makasitomala limafotokoza zabwino. A kufunika wapadera ndi ngongole chidwi wopanda.

Kupeza ngongole popanda chiwongoladzanja, muyenera kukhala kwambiri ngongole mbiri ndi kusonkhanitsa zikalata zonse. Monga ulamuliro, izo pasipoti ndi malamulo chizindikiritso. Nthawi zina muyenera kalata ya ndalama. Ngati wobwereka akufuna kutenga wambirimbiri ndalama, muyenera kusamalira guarantors lapansi. mokoma ena onse ayenera zikhulupiriro kuti bungwe ndalama kuti adzapereka ngongole.

mabungwe Mawu saloledwa kukongoza ndalama pa 0% Apr, kotero mlingo adzakhala pafupifupi 0,05%. Komanso, mgwirizanowo mwina mankhwala item pa malipiro apamwezi a utumiki ngongole kapena kuli ntchito.

Fomu ya ngongole kubanki

Ngati kumene ndalama anabwereka - ndi muyeso zofunika, muyenera kudziwa kuchuluka ngongole nkokoma zambiri kutenga. Mungasankhe mwina zotsatirazi:

• Ngati kufunika ndalama si zonse n'zotheka kutenga zochepa mtundu ngongole. Iwo ntchito ndalama chofunika katundu kapena anamaliza mankhwala.
• Pamene muyenera ndalama zinthu likulu, ndi bwino kupeza ndalama zonsezo mu zonse.