Credit zvebhizimisi kukura nokuda kambani: zvinyorwa, mamiriro. Zvikwereti zviduku uye svikiro kadikidiki mabhizimisi

Entrepreneurs Vakawanda vanosarudza zvokuwedzera bhizimisi rako. Asi iyi chingava kushaya nzira kuzadzisa chinangwa ichi. Banks kupa kuwana zvikwereti zvebhizimisi kukura nokuda kambani. Tinofanira chete vanofanira kusarudza Zvakanyanya Kunaka Panguva Yepamuviri purogiramu mamiriro ezvinhu uye zvinodiwa zvakakodzera.

Kana zvakakodzera, wana mbiri mabhizimisi kukura, zviri chinodiwa tinyatsoziva zvirongwa mabhanga akawanda. Nani asi, bvunza ane nyanzvi consultant achakubatsira kusarudza optimum ezvinhu. No kukosha runoonekwa kuzivana naye chibvumirano, iro rinoti zvinhu zviri kutengeserana.

kunyanya diki mabhizimisi anomukweretesa

A kambani vakanyorwa sezvo kambani, haagoni kuita mumwe Mutengi chikwereti sezvo zvichienzaniswa SP. Saka, kusarudza zvavanazvo diki. Asi mabhanga vari kuramba kubuda pamwe nezvirongwa zvitsva. Huru chinodiwa ichaongororwa kuva kambani basa raMwari. Zvinofanira kuitwa zvinenge 6 mwedzi, zvikasadaro uchava kuramba chikumbiro.

The sangano rinopa mukana kushandisa chikwereti mutsetse kuti mari kuchawedzera. anomukweretesa ichi pasina anondibatsira. Kunyange munguva dambudziko rwezvemabhengi masangano kupa zvikwereti kune yevagari. Kukweretesa Makambani makuru kubhangi kazhinji haarambi panze rubatso uye guarantors.

Mhando zvikwereti nokuti LLC

It achirumbidza Kazhinji kunze ane chitsama maduku uye nhamba huru yevagari. Ipapo Lenders kuuya nokupesana inopfupikisa. Wokutanga inogona rakapa pasina rubatso, uye mumwe anofanira inopiwa. Zvikwereti pachavo vari akakamurwa marudzi anotevera:

• Overdraft. Translated kuti nhoroondo mukwereti Waanofarira chitsama. Kubhadhara chikwereti, unogona kuisa mari yacho. Mari iri debited kwaita. Chinangwa ndechokuti kutsigira yekambani turnover. Mari inogona kupedzerwa zvibviswe yokushomeka iri mari, mubhadharo nokukurumidza. Mari inogona kuenda bhajeti. pfungwa iyi ndiyo kunobatsira anomukweretesa. Pauwandu hweavo vari wakaiswa uye kusiyaniswa. Kuripwa zvinoitwa kwaita.
• Credit mutsetse. Rinoshandiswa zvebhizimisi kuwedzera. The chikwereti mutsetse iri wokurarama uye non-wokurarama. Kazhinji zvikwereti izvi zvinoshandiswa kutenga mari itsva. Kutenga mbishi zvinhu. Financial Masangano vanokweretesawo asiri mari fomu. Mari Anopera zvakazara kana yapera. Inoshandisa dzisiri zvakanangwa chirongwa, asi kadhi sangano anogona kuitisa kudzorwa zvekushandisa.
• Investment chikwereti. Kuwedzera basa kana kudiwa kutenga zvokushandisa, unogona kuronga chikwereti. Asi mashoko zvikuru inoomesera sezvo zvichienzaniswa nedzimwe kwezvikwereti. Unofanira kuunganidza yakawanda magwaro, uye kuti pave mubhizimisi ronga kuti inoratidza nzira kuwedzera kwemari.

A chikwereti sangano kungada kutanga kuripwa 30-40% rokutanga. The chikwereti nguva iri makore 15. Kana boka asingashandi kwenguva refu, anogona kurambwa. Zvikwereti hazvina wakabudiswa ane razero pachiyero. Dzimwe nguva kunodiwa kupa rubatso.

mamiriro

Credit zvebhizimisi kukura nokuda kambani kuchera muna Sberbank, VTB 24, "Alfa-Bank" uye nemamwe masangano zvemari. Nokuti mumwe chirongwa akapa mazwi. Zvichida kuronga zvikwereti pasi chikwereti, vimbiso kana pasina anondibatsira.

Banks kupa Credits 5 mln pamwero wenyika 14,5 kusvika 17%. Kazhinji vanamuzvinabhizimisi zvinganaka mapurogiramu hurumende uye kunyoresa kuburikidza zvikuru masangano ari Russian Federation.

mutambo

Ndingawane chikwereti zvebhizimisi kukura? Kuti aite izvi, enda mumatanho akawanda:

1. Zivisa mubhengi, ine nhoroondo kuitika.
2. Shandisa sechikwereti kunyoresa.
3. Unganidza mapepa.
4. In achibvumirana verenga mashoko.
5. Kusaina magwaro uye vawane mari.

Achitaura kubhangi, apo pasina nyaya, tsika kungada kuchinjwa chero mari kana chimwe chikamu chayo.

Where kuenda?

Zvikwereti zviduku uye svikiro kadikidiki mabhizimisi zvinowanikwa mabhanga siyana. Rakawandisa uye for mumwe yeGmail.END_STRONG angava akasiyana:

• Mari - kusvika 5 mln 16%;
• "Alfa-Bank" - kusvika mamiriyoni 6 rubles pasi 17%;

• "Raiffeisen Bank" - kusvika mamiriyoni 4,5 rubles, uye mwero waakaudzwa nomumwe;
• VTB 24 - 4 mln kusvika 14.5%;
• "Bank of Moscow" kusvika mamiriyoni 150 rubles pamusoro mwero wacho.

mari mubhengi

Rinopa zvikwereti zvebhizimisi Sberbank, izvo zvinogona kugadzirisa Entrepreneurs zvose. Action purogiramu diki uye svikiro kadikidiki bhizimisi, uyewo guru yemakambani vatengi. Bank anopa mapurogiramu akawanda kuti akachengeteka, zvinovimbisa uye hapana rubatso.

Mari inogona kusvika kusvika mamiriyoni 5. Rate pamusoro 16-19,5% pagore. Zvikwereti vanopiwa zvakasiyana zvinangwa: gadziridzo, kutenga wakaiswa yesangano, kuwedzera.

voruzhinji chirongwa

Havasi vose vanoziva kuti pane mabhizimisi akasiyana-siyana anotsigira zvirongwa dzorubatsiro zvinogona rakapa pasi izvo kuti kukura bhizimisi. Support angava returnable uye non-returnable. Kugamuchira mari zvakadai havazogari kufadza munhu wose. Aanoda achange mumagariro nezvatinovavarira, maindasitiri, zvokurima, zvebhizimisi zvirongwa.

It inorangarira nhamba mabasa, inoshanda munhu chigadzirwa kana basa. Uyewo chinokosha ndiko kunyatsoongorora mavambo, profitability uye payback nguva chirongwa ichi. Kumhanya zvirongwa uye mamiriro ezvinhu kubatanidzwa vari akaita pamusoro pamutemo Websites muguta.

Chikumbiro akasununguka, saka munhu anogona kuedza kubva musangano. Kana uchigadzira urongwa bhizimisi, ipapo mari kubva mamiriro chaizvo. More zvatinofarira rakapiwa Entrepreneurs vanotova ane bhizimisi hwakagadzwa, nguva mari.

Kushandisa?

Rakanyorwawo zvikwereti zviduku uye svikiro mabhizimisi kwemazuva mashomanana. It zvinoenderana nemamiriro ezvinhu uye zvinodiwa, somuenzaniso, mukugadzirwa munhu anondibatsira chikwereti.

Kuwana chikwereti kuti kambani inowanzopiwa kuitwa pamwe nourongwa emura rubatso kana kukokwa rubatso. Kana musingadaro ucharambwa chikwereti.

From muvare

Rinopa zvikwereti zvebhizimisi kukura kubva muvare, asi kuti ape nazvo zvakaoma. Banks kumanikidza yakasimba zvinodiwa kuti anokwereta:

• batsiro Enterprise;
• kunyoresa kambani haidereri pane 6 months-1 year.

Asava mutendi mutsva vanamuzvinabhizimisi kazhinji kwaita vanoramba mafomu nokuda kwezvikwereti. In izvi kuchaita vagoronga Mutengi chikwereti kune munhu wechisikigo munhu kupa mortgaged pfuma. Credits nokuti kukura yebhizimisi kubva pasi uye vari rakapa pamwe guarantors.

pasina anondibatsira

Wana chikwereti nokuti kambani pasina rubatso kwakaoma. Anokwereta vanofanira kuziva kuti vamwe masangano, akadai Sberbank, VTB, kupa zvikwereti zvakadaro, asi mwero zvakakwirira zvakakwana. Mamiriro kunyoresa kutengeserana kwakadaro runovimbisa muridzi bhizimisi.

zvinodiwa

Credit zvebhizimisi kukura nokuda kambani achava pasi akawanda zvinodiwa:

• mudonzvo - kwete vanhu vanopfuura 100;
• haibatsiri pagore - kusvika mamiriyoni 400 rubles;
• Mari mikroorganizatsy mamiriyoni 60 rubles, uye hurumende - kwete kupfuura 15;
• Kunyoresa vari Russian Federation;
• Business legality;
• nemakore 23-65;
• yakanaka chikwereti nhoroondo;
• zvakanaka mari turnover.

zvinyorwa

Zvinoda kushanda kuti vawane chikwereti zvebhizimisi kukura nokuda kambani. Documents zvingasiyana zvichienderana nokuti munhu ari yeGmail.END_STRONG pakati kubhengi kana kwete. Permanent anokwereta vanofanira kupa mashoko zvemari kuti achangopfuura pepa rubatso, guarantors.

Kana munhu anoda kubetserwa haashandisi basa kubhangi, anofanira kugadzirira nheyo, kunyoresa magwaro. Vanodawo kadhi mimwe vakasaina pakati vanhu vanobvumirwa kusaina. Tinoda pasipoti yavo, taxpayer kuziva nhamba. The pamazita magwaro dzimwe nguva unoratidzwa.

muunganidzwa

Credit zvebhizimisi kukura nokuda kambani yakabudisa anokwana mamiriyoni 3-5 rubles. Asi vamwe masangano Somuenzaniso, "Bank of Moscow" rinopa mazakwatira. Mamiriro ndiyo solvency wekambani uye kuzadzika sungiro kuti vanobviswa panguva kusaina yacho chikwereti magwaro.

rate

Kufarira pamusoro zvikwereti kuti vatengi zvose takatsunga mumwe nomumwe nomumwe nemhosva. The vachibhadharisa pakuchinja kushandisa zvikwereti kunoenderana zvinoverengeka on:

• solvency;
• mari kumwedzi;
• Chikwereti Currency;
• Kuwanikwa rubatso kana rubatso.

Base rate vava 14,5-17% pagore. Uye panguva subsidized zvirongwa kubva mamiriro anoita 10%.

mazwi

Mureza zvikwereti chirongwa vari kusvika 3 years. Dzimwe nguva pane zvinopfuura yakareba zvikwereti. Pamwe mangwanani mutsividzo, unofanira chete kuziva pakarepo kana paine okuwedzera kubhadhara.

mutsividzo

Kubhadhara chikwereti akaenzana kana kusiyaniswa zvikamu. Dzimwe nguva fungidzira mumwe achauya nematsive mikana zano. Translation rinoitwa kubva ano nyaya zvikwereti. Kana mukupera kuripwa kuripwa pamahombekombe Akaraira kunonoka, uyewo kuderedzwa chikwereti Rating.

Zvakanakira nekuipira

Muna chikwereti mabhizimisi ine mikana:

• haamanikidzwi achinyima kutenderera nzira;
• pane mukana processing kuti chikwereti pasina anondibatsira;
• unogona kuva nhengo chirongwa hurumende yakabudisa bhuku rainzi nyoro kwezvikwereti.

Asi yeuka kuti Banks kukweretesa chete kushanda pamwe yakaonekwa kuti ndeyechokwadi Entrepreneurs. Anokwereta vanofanira asimbise solvency ari chakasimba uvhure kuitika, dhipoziti nyaya, Payroll zvirongwa, yemakambani makadhi. Chete ipapo anogona chikwereti kunyoresa.