Borrowings - nacho kana zvakafanira nechiyero? nokukwereta

Dzimwe nguva pachavo mari yose zvavakanga vachida kuita hazvina kukwana, saka vanamuzvinabhizimisi vane kukwereta. Vanogona kushandiswa kuwedzera kugadzirwa, kuti abhadhare chikwereti uye kuwedzera purofiti. Akakwereta mari - avo kuti hamuzi mukwereti uye dzichiiswa kwenguva pfupi kushandiswa.

By nokukwereta dzinosanganisira:

• Commercial zvikwereti uye kumabhanga, zvikwereti.
• Anoreva nhema.
• Factoring.
• Other rakumbirwa mari.

Kuwedzera vakakwereta mari, kambani anogona kushandisa uye anoyevedza. Kusiyana wokutanga, havazoparadzwi kudzokera. Izvi zvinosanganisira pachena mari iri ngaakubvumirei hwaro, Nokutendeka mugove.

Nhamba chikwereti uye noumhizha

Zvakakosha nechokwadi kuti kuenzana uye chikwereti ari mwero. Zvakakosha kutsanangura imwe nzira pachena kuita kuti dzichashandiswa pakuparwa nezvinoitika ezvinhu. Kana kukwezva zvireruke chiripo imwe kurasikirwa pachikumbaridzo. Kana isu kupfuudza, nokudzosa bhizimisi angangotadza ubudirire, uye kambani yaizova kusauka.

Kudzora mamiriro kuchabatsira zvireruke reshiyo uye pachake mari. It rinowanikwa sezvinotevera: yaipedzerwa zvikwereti uye mubereko pamusoro pavo vanofanira kugoverwa nezveramangwana zveminda uye zvachose zvinhu. The coefficient achava chinokosha chokukomborerwa kuti chikwereti: chii kudzika, chikuru mukana mvumo mari.

Nokukwereta expediently kuitwa panyaya apo kambani unoshanda stably uye kwemari. Muzvinabhizimisi anoda kuwana mari rubatsiro vanofanira kwazvo kudzidza chidimbu ichi kumusika uye kunyatsonzwisisa subtleties uye nuances vebasa zvakanaka.

Borrowings - vaya vanobatanidzwa zvino yakati nguva uye pasi yakananga ezvinhu.

Wana zvimwe nzira iyo sangano anogona sezvinotevera:

• Atore chikwereti chero mhando.
• Kubva kuvanhu uye zvemitero masangano, zvisinei muchimiro kunyoresa.
• Shandisa yako chikwereti.

Kubva zvoupfumi nemaonero, akakwereta mari - rinofanirawo mabviro pakusikwa yesangano, asi pamutemo - chikwereti chekambani. Sungiro zvingava nganisa kana kwenguva refu.

Kuti sangano basa kuti vabudirire, kambani vakakwereta mari inofanira kushandiswa, akapa kunogamuchirika nenhanho ngozi. Zvinokoshawo kuti kufunga chaizvo zvechiratidzo mabasa uye kugadzirwa uye okutengesa kutenderera.

Vakakwereta zvebhizimisi mari vakagamuchira kwenguva, kushandiswa kana paine unopinza kushayikwa mari, izvo zvinotisvitsa nokukurumidza ichidonhedzera kwemari. Asi kuti basa rakadaro anokwereta hakusi zvinobatsira chaizvo: a kukura kwemwedzi dzinenge 12. Mukuwedzera, sangano vanofanira kuzviisa pasi gwaro dzose pamusoro kuchinja noumhizha.

chizvidavirire chikwereti

Maererano mitemo, sangano ane kodzero yokusarudza nzira rokuzvidavirira nokuti chikwereti kutora refu. Kune miviri nzira:

• Kufungisisa borrowings, chemhosva nguva iyo kunopfuura mwedzi 12.
• chikwereti Long-izwi rinoshandurwa mugomba pfupi kana chibvumirano kusvikira dzosera mazuva 365.

The chizvidavirire policies zvinofanira kuratidzei rakasarudzwa nzira.

Urgent uye nonoka chikwereti

Pakutevedzera rokuzvidavirira zvireruke, zvinofanira kurangarirwa kuti kwebasa rinofanira kukurumidza uye nonoka chikwereti nevamwe yoga. Vaiona zvokukurumidzira kuti chikwereti mutsividzo nguva iyo isati yasvika kana kuwedzerwa. Kana chemhosva nguva, maererano chibvumirano yakatotanga apera, unogona kutaura chikwereti.

Shandura zvokukurumidzira zvikwereti chikwereti anofanira kuva zuva kana akakwereta vanosungirwa kubhadhara chikwereti. Zvitsaurei zvinyorwa kazhinji yakarongwa akaparadzana subaccounts kuti azarure kuti mamakisi 66 (67).

Kukarukureta zvinhu rinoitwa maererano chikwereti chibvumirano. Chikwereti anoratidzwa pana pakuguma nhau nguva.

Other akakwereta mari

By mutemo, ivo borrowings ari zvebhizimisi kunogona kunge dzimwe mhando kukwezvana. Izvi zvinosanganisira placement kuti anokwereta munataisireva kuburikidza issuance kuti wevimbiso manotsi uye issuance kusungwa.

Sei vawane mubereko-isina chikwereti?

To musi, achiposa iwayo nevakawanda basa. Makwikwi munzvimbo iyi zvokuti mabhanga vari kuedza kukwezva vatengi zvakanaka mashoko. A chaiyo kudiwa ndiwo mubereko-akasununguka chikwereti.

Kuti tiwane chikwereti pasina mubereko, unofanira kuva chakanakisisa chikwereti nhoroondo uye akaunganidza magwaro. Kazhinji, izvozvo pasipoti uye zvitupa romutemo. Dzimwe nguva unofanira rugwaro mari. Kana anokwereta achida kutora yakawanda mari, unofanira vatarisire guarantors. dzimwe nuances All zvinofanira kujekeswa kuti chevanorwara zvemari kuti achapa chikwereti.

Credit Masangano havabvumirwi nokukweretesa mari pa 0% Apr, saka inoenzanirana achava vanenge 0,05%. Uyewo, chibvumirano kungadiwa chinhu pamusoro rendi nokuda chikwereti webasa kana kuvapo komisheni.

Chisiri kumabhanga

In Kana apo vakakwereta mari - chinhu chinodiwa nechiyero, unofanira kuona sei zvikwereti zvikuru zvakanyanya zvichakubatsirai kutora. Options zvingasanganisira zvinotevera:

• Kana kudiwa mari haisi kugara, zvinokwanisika kutora mashoma zvikwereti mhando. Vachava kushandiswa mari chinhu wemari kana ndapedza zvigadzirwa.
• Kana uchida mari guta zvinhu, zviri nani kuti yose mari yakakwana.