Yintoni inzuzo yokuthengisa?

Ukufumana inzuzo kubhekisela kwisalathisi esinxulumene nokubonisa umsebenzi wezoqoqosho. Esi sibonakaliso kwinkimbinkimbi sibonakalisa ukusetyenziswa kobutyebi bezabasebenzi, imali, iimpahla ezibonakalayo kunye nemithombo yendalo. Inzuzo ibalwa njengomyinge weprojekthi efunyenwe kwithuba lexesha kwi-asethi eyenza yona. Inzuzo yokuthengisa iyona candelo eliphambili kwiphina imodeli yoshishino. Iifomula zokubala inzuzo ziyabonwa nakweyiphi incwadana yoqeqesho ekulawuleni imali. Nangona kunjalo, akuyiyo yonke into yokuqalisa ishishini eliya kuqalisa indlela yokwenza inzuzo yokuthengisa. Ngenxa yoko, kudla ngokukhawuleza ukuba loo mali ayiyi kutyalomali kwishishini elixhamlayo kwaye imali efunyenweyo ayifumanekanga. Yingakho kungenakwenzeka ukwakha izicwangciso zezoshishino nokuphumeza nayiphi na isicwangciso soshishini ngaphandle kokubala inzuzo.

Izalathisi eziphambili zentengo ziquka:

- Inzuzo yentengo ;

Inzuzo yokuthengisa;

- inzuzo yezinto ezikhoyo;

- inzuzo yezinto ezizinzileyo zoshishino;

I-coefficient yesalathisi esisiseko senzuzo yexabiso lempahla;

- inzuzo yecandelo layo elikhoyo le shishini;

Inzuzo yentlawulo-mali;

Inzuzo yexabiso elipheleleyo;

- inzuzo yeempahla zayo;

- Inzuzo yeMargin;

- inzuzo yexabiso elisetyenzisiweyo kunye nesetyenzisiweyo;

- inzuzo yexabiso lemashishini.

Ngaloo ndlela, inzuzo yokuthengisa i-coefficient eyenza isabelo senzuzo yombutho kwi-ruble enye efunyenweyo. Ngokuqhelekileyo inkcazo yokufumana inzuzo ibalwa njengomlinganiselo wenzuzo yangempela yemali ngexesha elithe ngqo kwixabiso lokuthengisa elichazwe ngokwemali. Ngaloo ndlela, inzuzo yokuthengisa ichazwa njengomlinganiselo weNzuzo ye-Intanethi kwithuba elithile ukuya kwiNgeniso yexesha elifanayo (inzuzo = inzuzo engenayo / inzuzo).

Ukongeza kwindlela yokubala yokubaluleka, kukho ezinye iindlela zokubala, kodwa kusetyenziswa kuphela idatha yenkxaso ekubaleni kwabo. Ngokomzekelo, endaweni yenzuzo yenetha, umda ophezulu, inzuzo phambi kwentela kwithuba lokunika ingxelo, inzuzo phambi kwentela kunye nomdla, inzuzo yokusebenza , njl. Ukukhethwa kwenketho ethile kuxhomekeke kuphela kwinjongo yohlalutyo kunye nemeko ethile yomsebenzi wenkampani.

Ukufumana inzuzo yokuthengisa kuthathwa njengalathisi lomgaqo-nkqubo wexabiso kumashishini kunye nokukwazi ukulawula iindleko. Ukungafani kwezicwangciso kunye nemigqaliselo yemveliso eyahlukileyo kuqikelele iindidi ezahlukeneyo zokufumana inzuzo kwiinkampani ezahlukeneyo. Ukuthelekiswa kwezibonakaliso ezinokubaluleka kwamashishini amabini okanye ngaphezulu asebenza kwiimarike ezifanayo kunokubonisa ukuba yeyiphi yamashishini agxininise ekumakishikeni kunye nokuba yiyiphi icala. Kubonakalisa kakhulu ukuthelekisa izibonakaliso ezimbini ezahlukeneyo - ngenzuzo enkulu kunye net. Ukuba izinga lokufumana inzuzo elingaphantsi lifumene ngaphantsi kwexabiso elipheleleyo, linokugqitywa kulokhu ukuba inzuzo yenziwa ngokuyinhloko kwiindleko zomsebenzi oyintloko okanye owona msebenzi.

Kuzo zonke ezi ngasentla, sinokugqiba ukuba le ngcamango-isalathisi esona sisebenza ngokuqhelekileyo kwanoma yimuphi umashishini. Ubonakalisa inzuzo kunye nenzuzo, izinga lokubuyisela ekusebenziseni izinto ezizinzileyo, ngoko ke kufuna ukubala ngokucophelela. Akukho noshishini kufuneka ashiye le ngcaciso ebalulekileyo yomsebenzi wezoqoqosho, njengoko, ngokwenene, zonke ezinye izikhombisi.