Yokuqasha. Inkcazo neeNzuzo

Ilizwi amazwe "kokuqeshisa" uza kungena ebomini bethu. Namhlanje ke inkonzo kunokuba ethandwayo. Noko ke, asinguye wonke umntu kuthi uyayazi intsingiselo yegama elithi "kokuqeshisa" ngokwayo. Inkcazo lo gama udakada yonke i inkqubo zemali. Noko ke, nangona ukuntsonkotha okubonakala, ixabiso eli lizwi ngokufanelekileyo elula, kwaye kubhaliwe kuMthetho RF №164. Emva kwayo, ingqesho (ukuzimisela iyakuqinisekisa oko) uhlobo lomsebenzi investment kwi ukuthenga kotshintshelo lwepropati, ngokusekelwe isivumelwano okhethekileyo. Ngokutsho kwakhe, umntu ngokwendalo okanye esemthethweni umqashi kwipropati ngentlawulo iseti kangangexesha elithile kunye nelungelo lokuthenga.

Kakade ke, akukho nto nzima ngalo, ngaphandle kokuba intsingiselo esemthethweni ilizwi. Kukho nezinye ezahlukeneyo ezininzi elithi "kokuqeshisa" ingcaciso. Ingcaciso kunye nentsingiselo kubo, ke, kusoloko zehla ukuba enye into - ukutyala imali ethile ukuze nokufunyanwa kwipropati, eya kuthi ke eziqeshiweyo. Leasing uhlala ecaleni kunye mboleko, izixhobo eziqeshisayo kunye neentlobo-mali. kanye indlela yayo ibandakanya amaqela amathathu:-mali, i-umqeshisi kunye umqashi. Yokuqasha, inkcazelo apho siyazi ngoku zalo eziluncedo, kwaye ingqalelo. Iingcali zithi umbulelo kule nkonzo:

1. ingxaki ukuthanjiswa nge amatyala.
2. Komnikazi ithuba nje lokuba ukwandisa imveliso yabo, kodwa gcina sisisixa kunye nexesha.
3. Akukho mfuneko yokuba nenxaxheba ekuveliseni imali ebolekiweyo.

Bonke abathathi kobudlelwane kokuqeshisa ukuze yendlela yokwenza omnye komnye: le mali, ngenxa yemisebenzi yabo, inikeza sidumisa umqeshisi. Le yokugqibela yi hayi kuphela mboleki. Yena isenguye umnini ethenga kunye nepropati bahlolwe leyo ikhutshelwa umqeshi ngohlobo yesivumelwano.

Iinkonzo yokuqasha zisekhona ezinye eziluncedo:

• inani abathengi ukusuka kubenzi oomatshini kunye nezixhobo banda izihlandlo ezininzi;
• ngokusebenzisa ukuqeshiswa kunokwenzeka ukuba ulondoloze imali yokuthenga izixhobo ezixabisa evela kumenzi;
• ukufumana izibonelelo ezithile ngokusebenzisa zengqesho;
• umqeshisi ezilahlekileyo imfuneko ukuhlawula ngoko nangoko yonke imali yezixhobo, ngoko oku kakuhle ukuthumela imali eseleyo kwamanye amashishini.

Kukho ezahlukeneyo eziliqela le nkonzo:

1. ezazakhiwe Financial - isivumelwano ibandakanya nokubuyiselwa zonke imali isetyenziswa umqeshi, ngexesha lesivumelwano. Ukongeza, ngeli xesha ivame ityala iintlawulo lokuyimfihlo, yaye ekupheleni kwexesha lesivumelwano isixa na kubo ukufikelela 100%.
2. Leaseback - ukhetho phantsi apho umnini uthengisa izixhobo yakhe inkampani uze uzobe ukuya isivumelwano sokuqashisa izixhobo yabo.
3. Eqhinga. Busetyenziswa kakhulu ekuphunyezweni kweeprojekthi kakhulu eninzi, njengoko luthetha inkxaso ngamajelo ezininzi ezahlukeneyo.
4. Subleasing. inkonzo Option, nto leyo kwenziwa yabameli eziliqela.
5. ezazakhiwe Operational. Luphawulwa yi kukuba kukho lokuyimfihlo engaphelelanga izixhobo phantsi komqathango wokuba umqeshiswa linyanzelekile ukuba esweni ingqibelelo izixhobo.

Ngokutsho kwenkcazo weSauwu, loo nto ithetha ukuba iindleko ethile zemali. Bona babe igama iintlawulo zengqeshiso - oku sisixa umqeshiswa kufuneka anikezele ngeenkonzo ezifunyenweyo. Makhe siqwalasele iimpawu ezingundoqo iintlawulo yokuqesha. Kumafa labo, njengoko umthetho, zezi:

1. Ukwehla kwepropati malunga ixesha lonke ngexesha apho isivumelwano luyasebenza.
2. Ukuba ahlawule imbuyekezo kwi umqeshisi kubalo indlela esetyenziswayo.
3. Commission.
4. Yentlawulo ngeenkonzo ezongezelelweyo.
5. Ixabiso le-propati, kodwa kuphela xa kunokwenzeka ukuba ikhontrakthi umba yokukhululwa kwakhe ebhalisiweyo.

Ngenxa yoko, ukuqeshiswa - kukulungele kwaye lula ukuba wonke umntu.