Mboleko Business. Uboleka kumashishini amancinane kunye naphakathi

tyalo mali kufuneka ukuba uvule ishishini elitsha. oosomashishini abaninzi babuyelayo kuyo kwiibhanki. Basebenzisa ezahlukeneyo iinkqubo kwasekusekweni ishishini. inkqubo yokubhalisa kakhulu elide kwaye kufuneka uqokelele ezininzi amaphepha ngenxa yakhe. Mboleko kumashishini amancinane kunye naphakathi iya kuba khetho lulungileyo, ukuba zokubekwa kwayo.

nemiqathango yokufumana

mboleko Ukwenza kwimibutho ezininzi zibonakala. Uboleka kumashishini amancinane kunye naphakathi ziyafumaneka phantsi kwale miqathango ilandelayo:

1. Le nkampani kufuneka kusungulwe ngokusemthethweni ukuba kubulawe onke amaxwebhu.
2. Iibhanki kufuneka ukunika isicwangciso soshishino kwishishini. Xa ndlebe kuya kufuneka usixelele ntoni umbono wakho woshishino.
3. iingcali amaziko credit ukwenza izibalo zabo uzinzo inkampani, ngoko ke kufuneka unikezele ulwazi oluyimfuneko, iingxelo izimali.
4. Siboleka amashishini amancinane kunye naphakathi unikwa phambi bepropathi kwipropati.
5. Ungene ukuthembeka umthengi. Ukuba mboleko ikhutshwa kwi IP, khangela mboleki njengomntu ngamnye. Imbali Credit kufuneka ilunge.
6. Ubukho guarantors kunye nentsebenziswano kubaboleki kwandisa amathuba ukuvunywa kwesicelo semali-mboleko.
7. Insurance kwimigangatho ezininzi kuthathwa ukuba sesevisi.

Kuphela phantsi kweemeko ezinjalo kungenzeka isicelo samkelwe. Ekwenzeni isigqibo esifanelekileyo iqala inkqubo olusezantsi ubhaliso.

Types of yeemveliso zemboleko yekhredithi

Siboleka amashishini amancinane kunye naphakathi yohlulwe ezi ndidi zilandelayo:

• target;
• yeyantlukwano.

mboleko olujoliswe zisetyenziselwa iinjongo ezithile, ezo kumiselwe kwisivumelwano. Umzekelo, ukwenzela ukuthenga izinto zokwakha. Xa intlawulo yenziwe ukuba otyalayo, iindleko zingqinwa ngokusebenzisa amaxwebhu. Oku kuquka iikopi kwezivumelwano, amaxwebhu lokuthumela.

credits Unearmarked kukhutshwa ukwenzela nayiphina injongo. Ohluleka yayo, kuza umsebenzi ukuhlawula iintlawulo ezizinzileyo ukuba ingxelo kwinkcitho akudingeki client. kwenzala kwimali-mboleko kwi non-kujoliswe idla ngaphezulu kwethagethi.

iinkqubo

Nganye inkqubo mboleko ukuba amashishini amancinane kunye naphakathi inayo ubhaliso yayo iimpawu. Ukuba ziyafumaneka ebhankini okanye ngoncedo njengomcebisi. Ngoku ke program inika iibhanki zilandelayo:

• Sberbank. Le mveliso ubizwa ngokuba "Business Start". Kukho ithuba yokufumana mboleko ngaphandle akananto, kodwa kufuneka guarantors, kunye isavenge sokuqala. Izinga yi 17-18%, kwaye isixa-100 lamawaka. Engange ku-3 miliyoni. Ithuba imali ziinyanga 6-36.
• Rosbank. Ikhutshwe ukuya kwizigidi ezingama-40. Engange ubuninzi eliyiminyaka emi-5. Izinga yi 12-16,5%. Kufuneka uhlawule ngexesha elinye-ikhomishini kwaye unikeze impahla ngummeli wowona nkampani.
• TCB. Iziko inikeza ukukhupha ezahlukeneyo iinkqubo zoshishino: ukuphuhlisa, abolekisa ngqo, ingqesho, kahle. Rates ukuqala ngo-15% kwaye samba silingana 30 mln. Engange.
• "VTB 24". I-Bank linikezela mboleko olujikelezayo, ishishini sokubambisa, ukuqaliswa zokuqhuba. Rates aqala ku-9%, kwaye isixa-850 lamawaka. Engange. zizinike ixesha ilingana iinyanga 120.
• "Alfa-Bank". Mboleko banikwa ukuya kwiminyaka emi-3. Esiphezulu kuyinto 6 Mill. Engange phantsi-15%. I-Bank ayifuni ukubonelela izibambiso. Ngexesha kokuqwalaselwa kwesicelo kufuneka ukuba uhlawule-2% yexabiso mboleko.

Inkqubo yobhaliso ye-Savings Bank

Okokuqala, kufuneka uqhagamshelane ebhankeni abonge SME. Abantu abaninzi kweli lizwe lethu babuyelayo ku Sberbank. Emva koko kufuneka ubhalise irhafu njenge PI. Kubalulekile ukuba baqhelane nale nkqubo franchise, ezo kwamaqabane i-Savings Bank. Kuyimfuneko ukuba ukukhetha hlobo ekunene.

Kwinkqubo yayo kuyimfuneko ukwenza isicwangciso soshishino: ukwenza isicwangciso intengiso, ukucacisa indawo ye-ofisi kunye nokusombulula imiba eseleyo. Okulandelayo, kufuneka uqokelele uxwebhu ngetyala: yokundwendwela, inombolo yesazisi umhlawuli werhafu, isiqinisekiso isicwangciso soshishino IP. Ngezi isicelo. Kufuneka ulungiselele izixhobo (30% ukuba intlawulo yokuqala). Emva kokuba isigqibo esifanelekileyo senziwa isivumelwano. Sberbank ngokuqhelekileyo ivuma isicelo, xa umxhasi ekhethe iqabane hlobo.

imali umsebenzi

oosomashishini abaninzi babuyelayo kwingxowa yokubolekisa SME. Benza njengoko guarantors mboleko ukuba ukuqala ishishini. Ngoosomashishini kufuneka isicelo semali-mboleko ebhankini, emazisa komphefumlo karhulumente ukuxhasa lo mbutho.

Ke ibhanki liqwalasela isicelo, kuthathelwa ingqalelo zonke iinkcukacha. Ukuba isigqibo esifanelekileyo senziwa isivumelwano zontathu. Kudla ngokuba lula siboleka amancinci, ishishini medium kuthatha ipesenti encinane. Ngokutsho lo msebenzi cebo, iibhanki ezininzi, kodwa aninjalo nonke.

Izincomo ababoleka imali

Ekupheleni intengiselwano bafanele ukuba sele beyiqhelile le sivumelwano, wasuka ukuba iimbambano ngakumbi. Kufuneka ngoko nangoko ukubuza imibuzo kwiingcali. Ukuba ishishini kunceda, uyacebiswa ukuba ahlawule imali mboleko phambi kwexesha, njengoko inkoliso umdla iqukiwe kwiinyanga zokuqala kwentlawulo.

Ababoleka kufuneka athathe ingqalelo bokuqonda zilandelayo:

1. Ezi mboleko zikhutshwa ngeqondo sezingeni eliphezulu umdla. Ngoko ke, ukuba unako ukwenza ngaphandle kwabo, kubhetele ukuba ukuzoba loo mboleko imali. Ke, ukuba usuka wenze oko nangoku ayikasebenzi, kufuneka sithandaze ngenyameko le nkqubo processing mboleko.
2. Nebhanki isigqibo iyancumisa, kuyimfuneko ukwenza isicwangciso soshishino ekhethekileyo. понятно, нужны ли средства, и как будет распределяться прибыль. Ukusuka kuya kuba akucaci nokuba zifuneka imali, kwaye luya kuthunyelwa inzuzo.
3. UGoodwill ngumnini weshishini, kakhulu, kudlala indima ebalulekileyo. Ngoko kuyimfuneko ukuba zinike iingxelo-mali ukwandisa amathuba akho semali-mboleko. Onke amaphepha kufuneka zibhalwe ngokuchanekileyo.
4. I-Bank kufuneka angenise izicwangciso zoshishino, oluya zonke iinkcukacha yombutho ishishini mayicaciswe gca. Ukuba mbiso, oko ngokubanzi isicelo samkelwe.

Uboleka kumashishini amancinane kunye naphakathi ingozi enkulu ukuba iibhanki. Ukuba le nkampani siyabhanga, iziko zemali unokuphulukana imali. Ngoko ke idla kufuneka ukunika amaxwebhu lobukho kwepropati, kwakunye guarantors, intsebenziswano mboleki. Kuphela xa ukuthobela ngokupheleleyo kungenzeka imvume mboleko kuphuhliso loshishino.