Kodi ndizosavuta bwanji kupeza ngongole yaying'ono kapena ngongole kubizinesi yanu?
Moni, mzanga ndipo tikukonzekera kupanga bizinesi yaying'ono yopanga. Tili ndi ndalama zopangira ndi chitukuko, koma sitikudziwa kuti zitikwana mokwanira ndikuti titha kufunikira ndalama zobwerekedwa. Ndiuzeni, ndizovuta kubweza ngongole kubizinesi yanu ndipo ndizosavuta kuyipeza bwanji? Anton Chingarov, Samara.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:
| Udindo | Yerekezerani | Nyamula nthawi | Zolemba malire kuchuluka | Osachepera kuchuluka | Zaka malire | Madeti omwe angakhalepo |
|---|---|---|---|---|---|---|
| 1 | Zogulitsa | 3 min. | RUB 30,000 Onani! | RUB 100 | 18-65 | Masiku 7-21 |
| 2 | Zogulitsa | 3 min. | RUB 70,000 Onani! | RUB 2,000 | 21-70 | Masiku 10-168 |
| 3 | 1 min. | RUB 80,000 Onani! | RUB 1,500 | 18-75 | Masiku 5-126. | |
| 4 | Zogulitsa | Mphindi 4 | RUB 30,000 Onani! | RUB 2,000 | 18-75 | Masiku 7-30 |
| 5 | Zogulitsa | - | RUB 70,000 Onani! | RUB 4,000 | 18-65 | Masiku 24-140. |
| 6 | Mphindi 5. | RUB 15,000 Onani! | RUB 2,000 | 20-65 | Masiku 5-30 |
Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.
Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:
| Udindo | Yerekezerani | Nyamula nthawi | Zolemba malire kuchuluka | Osachepera kuchuluka | Zaka malire | Madeti omwe angakhalepo |
|---|---|---|---|---|---|---|
| 1 | 3 min. | RUB 30,000 Onani! | RUB 100 | 18-65 | Masiku 7-21 | |
| 2 | 3 min. | RUB 70,000 Onani! | RUB 2,000 | 21-70 | Masiku 10-168 | |
| 3 | 1 min. | RUB 80,000 Onani! | RUB 1,500 | 18-75 | Masiku 5-126. | |
| 4 | Mphindi 4 | RUB 30,000 Onani! | RUB 2,000 | 18-75 | Masiku 7-30 | |
| 5 | Mphindi 5. | RUB 15,000 Onani! | RUB 2,000 | 20-65 | Masiku 5-30 |
Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.
Moni Anton! Anthu ambiri amalota kuyambitsa bizinesi yawoyake. Koma ena amayimitsidwa ndikusowa chidziwitso chofunikira, chidziwitso, kusowa ndalama zoyambirira, komanso, kudzikayikira. Omwe amalimbikitsidwa kwambiri amatenga ngongole kubanki (Tidalemba za momwe zimakhalira zopindulitsa kubwereka kubanki munkhani ina).
Si chinsinsi kuti ku Japan ndi mayiko aku Europe, kuchuluka kwa ngongole zachitukuko chamabizinesi ang'onoang'ono kuli pafupi 40%.
M'dziko lathu, chisonyezo cha ngongole zamabizinesi chimasungidwa pamlingo 1 peresenti... Kuchepa kotereku kumapangitsa mwayi wopeza ngongole yabwino pakukula kwa bizinesi yanu kukhala yocheperako.
Mabungwe angongole ku Russia sakhulupirira kwenikweni amalonda oyambira, popeza ambiri aiwo alibe chidziwitso chazovuta. Mabanki akudziwa bwino kuti m'miyezi yoyamba, mwina wochita bizinesi woyamba sangakhale ndi phindu, kapena azikhala zochepa ndipo amalola wazamalonda kuti azingolipira zomwe akuwononga pakadali pano. Chifukwa chake, kusungulumwa kwa wobwereketsa kwa kasitomala wotere kumadzetsa kukayikira kwakukulu.
Kupeza ngongole yamabizinesi sikophweka kuposa kupeza ngongole kuti mutsegule. Koma banki itulutsa mosangalala ngati wochita bizinesi ali ndi chidziwitso chokwanira komanso ngati bizinesi yake ikupita patsogolo. Kupambana ndi phindu pakukula zidzagwira ntchito yayikulu pankhaniyi. Mutha kuwerenga zambiri za momwe mungapezere ngongole kuti muyambe ndikupanga bizinesi yaying'ono kuyambira pachiyambi munkhani yolumikizira.
Chifukwa chake, tiyeni tiwone bwino zomwe mabanki amamvera akamapereka ngongole kapena ngongole.
Parameter 1. Chikole ndi umboni wa solvency
Aliyense amene ali wofunitsitsa kuchita zinthu zake, zingakhale zomveka komanso zomveka kupeza satifiketi ya 2-NDFL. Chikalatachi chikutsimikizira kuti munthu amene akufuna kutenga ndalama kubizinesiyo ali ndi gwero la ndalama zomwe zingamuthandize kuti azipanga ndalama mwezi uliwonse pangongole.
Njira yachiwiri yotsimikizira wobwereketsa ndi lonjezo... Poterepa, mabanki, monga lamulo, amafewetsa ndikupereka ngongole mofunitsitsa.
Komabe, choyipa apa ndikuti chikole sichingapitirire 70-80% ya ngongole. Poterepa, zimakhala zopindulitsa kwambiri kugulitsa nyumba ndikupeza 100% yamtengo wake. Komabe, mutha kupita kukagulitsa nyumba pokhapokha ngati obwerekera ali ndi malo okhala. Mabanki, komabe, amakonda kuwona kugulitsa nyumba m'malo moyang'ana magalimoto ndi zachitetezo ngati chikole. Zobisika zonse ndi tsatanetsatane wa ngongole zoterezi zafotokozedwa m'nkhaniyi - "Momwe mungatengere ngongole yotetezedwa ndi malo ndi nyumba."
Chizindikiro 2. Wotsimikizira
Ubwino wina wamphamvu pakufunsira ngongole ungakhale guarantor. Chitsimikizocho, monga lamulo, chimakhudza anthu omwe alibe katundu woti azigwiritsa ntchito ngati chikole kapena gwero lina la ndalama. Ngati palibe ma guarantors, ndiye kuti tikukulimbikitsani kuti mudzidziwe bwino zinthuzo - "Momwe mungatengere ngongole popanda zikalata ndi ma guarantor popanda kukana."
Chizindikiro 3. Ndondomeko yamabizinesi
Ichi ndiye chikalata chokha cha wamalonda wamalonda. Pamaziko ake, wochita bizinesi watsopano ayenera kuwonetsa ku banki kuti azitha kuchita bizinesi. Chifukwa chake, pokonza dongosolo la bizinesi, muyenera kulingalira bwino kwambiri, perekani zowunikira zonse zowopsa ndikuwonetsa phindu la bizinesiyo.
Chizindikiro 4. CI
Pofunsira ngongole kubanki, mbiri ya kasitomala ndiyofunika kwambiri. Obwereketsa, monga lamulo, amaphunzira mosamala kwambiri ndikuyesera kudziwa ngati wofunsayo adachedwa kapena kubweza ngongole. Ngati CI yawonongeka, ndiye tikukulangizani kuti muwerenge zofalitsa zathu - "Momwe mungapezere ngongole ndi mbiri yoyipa ya ngongole".
Chizindikiro 5. Kusunga ndalama
Kuopsa kwa zolinga za banki kudzawonetsedwa ndikuti kasitomala ali ndi mwayi, kuphatikiza ndalama zomwe adabwereka, kuti agwiritse ntchito bizinesi ndi zina mwa ndalama zake. Sizingakhale zoyipa konse ngati gawolo ndi lochepa 25%... Obwereketsa amakonda ndi kukhulupirira obwerekera oterowo.
Parameter 6. Maonekedwe ndi maphunziro
Momwe kasitomala wavalira zimakondweretsanso osunga ndalama. Chifukwa chake, ngati palibe suti yabwino yoyendera banki, ndiye kuti mutha kubwereka kwa wina. Ntchito yofunafuna ntchito komanso maphunziro ake amawerengedwanso kuti ndi chitsimikiziro cha solvency, chifukwa kukhalapo kwaukadaulo ndi maphunziro ndi chisonyezo chakuti kasitomala amadziwa bwino zomwe adzagwiritse ntchito ndalama zomwe adalandira.
Kutulutsa
Ngati banki ikana, ntchito yayikulu kwa wochita bizinesi woyamba sikuti ataye mtima, azikhulupirira za iye komanso bizinesi yake yamtsogolo. Tiyenera kukumbukira kuti amalonda ambiri odziwika padziko lonse omwe adayamba bizinesi kangapo, adabwereranso mobwerezabwereza, koma adakumana ndikuyamba chilichonse kuyambira koyambirira. Chifukwa chake, kukana sichimakhala chifukwa chamantha ndikutaya maloto ako. Ndikofunika kuthana modekha ndi chifukwa chakukana ndikukhala ndi mayankho oyenera.
Tikulimbikitsanso kuti mudzidziwe bwino ndi buku lathu latsopanoli - "Momwe mungapezere ngongole kwa wochita bizinesi popanda chikole ndi ma guarantors."
Pomaliza, tikulimbikitsanso kuwonera kanema "Momwe mungatengere ngongole kuti mutsegule ndikupanga bizinesi":
Tikukhulupirira kuti magazini ya Ideas for Life yakwanitsa kukupatsani mayankho onse a mafunso anu. Tikukufunirani zabwino zonse ndi kuchita bwino muntchito zanu zonse!