Ezazakhiwe Financial okanye ikhredithi: kukulungele ngakumbi?

oosomashishini ngaphezulu kwaye ngaphezulu ukusebenzisa imali ngqesho acquire kuphuhliso ishishini labo. Nokuba wena ukuthenga real estate, izithuthi okanye izixhobo, iinkampani zizama ukuliphumeza ngeendleko liphantsi ukufumana inzuzo ukhuphiswano emarikeni. Yiyo loo ezazakhiwe zemali kutheni amazwe yaye sele iphumelele ithandwa kangaka, ngenxa yokuba kaninzi kungcono kakhulu buyanceda kwizikim ezininzi credit ngakumbi. Okunye malunga ezilungileyo nezingalunganga, kwakunye intsingiselo kwimarike kokuqeshisa ke, uya kufunda inqaku yanamhlanje.

ezazakhiwe-mali, enyanisweni, impahla eziqeshiweyo kunye ngentlawulelo ngexesha lokuvuthwa. Nengozi yokufumana ilungelo ubunini kwi injongosenzi kanye umahluko yayo zengqesho zokusebenza. Iklayenti, kokuqeshisa zemali kunceda kakhulu ngakumbi, apho ubukhulu becala ngenxa inkqubo lula ukuba luphothulwe yayo. Ukongeza, kule meko akudingi akananto kuba impahla kwaye ngokunjalo bobabo kwinkampani ezazakhiwe ngayo. ukuqeshiswa Financial of cars enye inzuzo: umthengi ungakwazi ukuhlawula iintlawulo inshorensi nokwenza iintlawulo kwi Pension Fund ngezavenge, nto leyo ibaluleke kakhulu kwiinkampani ezisandula kusekwa, okwangoku ixesha lokuba babe ngokuqinileyo ngeenyawo zalo.

Kodwa ke uninzi zonke ngohlobo ngemali kubathengi basekhaya kunye nolwamanye amazwe ezitsalwa ithuba zisaya kubo kobunini ekupheleni kwale mvumelwano. Kufuneka kuqatshelwe ukuba kokuqeshisa zemali lubandakanya ukudluliselwa yenjongosenzi yengqeshiso ukuya ngumxhasi we kwisithuba apho ixabiso ngaphezu kwama-75% yexabiso yayo yoqobo. Ekupheleni kwesivumelwano, inkampani uhlawula i-25% kwaye ufumana asethi ezisisigxina kwipropati.

Ngenxa yoko, ukuqeshiswa mali iye iingenelo zilandelayo phezu ngetyala:

1) Iintlawulo zengqeshiso ukunciphisa imali yerhafu yengeniso;

2) iyavuleka umbandela weSauwu, umqeshi ukunciphisa isiseko yabo yerhafu;

3) Akuyomfuneko ukuba uhlawule VAT inzala nezekhomishini isivumelwano;

4) asethi ezifunyenwe ukuqeshiswa awukwazi ezomhlaba ngabasemagunyeni irhafu;

5) Akukho mfuneko sobhaliso isibambiso;

6) ukudluliselwa ubungozi obunokubakho umqeshisi;

7) ithuba yokuhlawula iintlawulo zengqeshiso kwingeniso ukuya kuthathwa ukusebenza asethi eziqeshiweyo.

Iintlobo yanamhlanje weSauwu zemali nazo ziquka imbuyekezo ezazakhiwe ngetyala. Ifomu yokuqala iqhele ukusetyenziswa ngamashishini, abanakho indlela zemali. athengise ukuba uqashile inkampani ngokwayo, yaye ke kwakhona kuqeshisa. Ngoko ke, ezi nkampani zifumana imali kuyimfuneko, umzekelo, kuba wemvula zokusebenza eyinkunzi. Ekupheleni kwekota contract babe ngentlawulelo ipropati kwaye uyisebenzise ngakumbi. Malunga ukuqeshiswa credit (akumgangatho), oko kudla lisetyenziswa iiprojekthi eninzi. Kulo mzekelo, i umqeshisi xa isixhobo uthenga esebenzisa imali waboleka, ngoko umngcipheko eziphambili na yena uthwala, kunye ne-inshorensi neenkampani, iibhanki, utyalo-mali kunye namanye amaziko zemali.