Yintoni baxhase mezzanine?

Ukuba ufunda isifundo imali, omnye wemiba kakhulu umdla onjalo ulwalathiso neentlobo mali. Unokufunda amathuba amaninzi yokusetyenziswa kwemali. Siqwalasela ngezimali mezzanine Article.

ulwazi jikelele

Ngubani na lo mali meson? On the enye ngayo ngathi ukwenza umnxeba ngqo. kubume bayo usendleleni yokuba imali olukhoyo ngokoqobo "phantsi kwe" ilizwi uzuko. Oko kukuthi - akukho idiphozithi.

Yintoni ezitsala abatyali kwiimeko ezinjalo? Eyona nkalo ibalulekileyo kuthiwa imbuyekezo phezulu kubulungisa kule meko. Ukongeza, apha umtyali akuthethi ukunyanzela iingozi eziyelelene utyalo-mali ngqo. Kwaye ngaphandle, kusekho ezininzi iingenelo. Yintoni na ngakumbi?

Izinto eziluncedo apho ngezimali mezzanine

Nantsi uluhlu ngokukhawuleza:

1. Kuba izifundo ngemali inzuzo lilele yokuba akwazi ukufumana imali xa besilela akananto okanye ukwenza ukuba nje musa ukuhlangabezana neemfuno zemali ukuze atsal 'imali-mboleko yebhanki eqhelekileyo. Kusenokubakho ezinye izizathu, kodwa abasafakwe kuluhlu ezisisiseko.
2. Ngaphantsi layitshabalalisa equity. Kubalulekile ukuba iinkampani ukuba ube amandla ukukhula kakhulu, kuba loo nto ibenza olubiza kakhulu.
3. Abanini agcine ulawulo yenkampani. Inzala njengowona ufuna ingqwalasela umtyali-mali ukuba izabelo kakhulu eninzi, yaye baye bafumana ingeniso ekucwangciselwa yena. Ngoko ke, umsebenzi wabo asezantsi emsebenzini, oko kube nefuthe elihle kulawulo. Nangona mezzanine umtyali nangoku rhoqo ukunika ithuba lokuba nempembelelo izigqibo eziphambili.
4. Kungenzeka kwakhona ukuba basabele ngendlela elungileyo kunye nenkqubo zokuhlala, nto leyo bhetyebhetye ngokwaneleyo.

izinto ezimbi

Awu, kodwa kuye kwenzeka kwihlabathi lethu, apho kukho izinto ezintle, zikhona negative. Ezi ziquka:

1. Yobumbaxa neendleko eziphezulu yobhaliso (xa kuthelekiswa ngemali evela kwiibhanki). Le meko ngenxa yezinga eliphezulu lenzala, kwakunye ngenxa yokuba transaction ngamnye structured ngamnye.
2. Miqobo amathuba exit yokuqala abatyali ekuthatheni inxaxheba kwishishini. Oku kusebenza ngokukodwa nababoneleli amancinane kunye naphakathi kwezoqoqosho abangenazo isibambiso ematyaleni.
3. Kwakhona, kukho iimfuno engqongqo uxanduva, ukungafihli kunye neqela nolawulo mboleki.

Zizo ezo izinto ezimbi mboleko mezzanine.

Yenzeka njani yonke?

Indima ebalulekileyo kule nkqubo udlala bank utyalo-mali. Eli ziko zemali sebenzisa izixhobo ezimbalwa ezingundoqo, okanye zombini. Ukongezelela kuzizisa mboleko mezzanine, imali inganikezelwa xa lisenza kweemeko ezithile.

Ekuqaleni, makhe sijonge ukhetho lokuqala njengoko ixhaphakileyo. Kwiimeko ezinjalo, wasinika isixa esithile, leyo ngaphambili wegqitha bank utyalo umbolekisi kaThixo, yaye - ndaba uqoqosho. In ukubuya, ufumana ilungelo nempahla. Kubalulekile ukuba lifake isiqinisekiso, nto leyo ngeendlela ezininzi. Njengomgaqo, kwisithuba seminyaka elishumi ngexesha apho ngezimali mezzanine.

Umzekelo intsebenziswano enjalo kungakhokelela, esalatha eziliqela kwiinkampani ezinkulu kunye neenkampani, leyo zisebenza ngoku eUnited States neNtshona yeYurophu. Nangona Umngcipheko loo ndlela ithandwa ngenxa yokuba kuzisa inzuzo 12-45 ekhulwini ngalinye ngonyaka.

Xa imeko yethu, kusenokubonakala ngathi ukuba ayikho kakhulu, kodwa musa ukulibala ukuba ngokubhekisele euro. Kwakhona afumane isiqingatha ubuncinane kwi ngaphezulu okanye ezinzile ngaphantsi iibhanki e zimbalwa iindawo kangangoko kunokwenzeka. Nantsi ke ukugqithisela ukuba imali mezzanine.

nezinye izixhobo

Ukudibanisa kwi iinketho ingentla imali ekuthiwa yokususwa inxaxheba kwezethu. Kwiimeko ezinjalo, umtyali-mali lifumana isabelo ethile inkampani, kodwa akawuvingca butyala kwamanye amatyala. Ezi meko zinje olusana amaqela esithathu. A nesabelo iinzuzo, ulawulo ilahleko kunye nolawulo lwenziwa ezinokugcinwa njengemfihlo.

Ukwanda kunye nenkxaso isixhobo ngokusebenzisa kunikezelo iibhondi ukuguqulelwa. Ubonelela nokuhlawulwa umdla esisigxina kunye intlawulo yetyala kunye ukufunyanwa yi-mali benkampani ekhuphe imali. Ngaphezu koko, ixabiso ukuguqulwa pre-set ethile. Kwakhona, imeko imali kungaba umba lezabelo abazifunayo ukuba ukunika ilungelo preferential kwingeniso kunye nempahla xa kuthelekiswa nabanye abanini.

isiphelo

Kwaye yintoni na etsala abatyali kwiimeko ezinjalo? Nangona yokuba kakhulu amashishini yingozi, ababolekisi musa engqondweni ukuthatha inxaxheba kuphuhliso abadlali ezithembisayo kwezoqoqosho. Abaninzi kubo esijolise kuzo kukuba nje ukufumana inzala, leyo iphezulu kakhulu kunaleyo izinga lokukhula kwamaxabiso, kodwa ukuzuza ukufikelela kwizabelo zeenkampani abanethemba elungileyo. Ngapha koko, inkoliso yabo bonke banomdla ikamva labo elungileyo. Ngoko ke, sibhenela abantu abenza umsebenzi kulo.

Kwaye kwiinkampani, ingakumbi ezincinane kunye neziphakathi, le ndlela iye inzuzo ukuthi, emveni thethwano, banako ukufumana kwimeko entle kakhulu, njengoko apho ilahleko ngengeniso yayiza okwethutyana. Emva koko siye umva yonke elungileyo, yaye oko kuya kuba lula ukuba ukuphuhlisa amandla ngokupheleleyo, eqonda isakhono sabo.