Ukuze sihlale wokhuphiswano, imibutho kufuneka utyalo-mali lwexesha elide. izibonelelo ezongezelelweyo ukuze ngenxa-overdraft, mboleko ekujoliswe okanye uluhlu lwamatyala. Malunga ubunjani kunye nemiqathango yale nkonzo, uya kufunda kweli nqaku.

definition

umgca Credit - kukubonelela umbutho ilungelo lokusebenzisa imali waboleka ebhankini lingaphelanga ixesha elicaziweyo kwi mali emiselweyo. iimeko ezithile kuchaziwe kwisivumelwano. Lenkonzo ikuvumela ukuba kupheliswe izikhewu zemali ngaphandle ukurhoxa eyinkunzi evela emarikeni. Client Ungakhetha nini yaye indlela kuthetha ukusebenzisa.

iintlobo

umgca credit Non-esijikelezayo kunganikwa ngokwezavenge kwisithuba elithile kunye kumda kwemali. Umboleki ukhetha xa yokusebenzisa imali. Intlawulo yetyala ayinyuki kumda.

Esijikelezayo umgca credit --mboleko leyo inikwa phakathi kwezona ecaciswe kwimvumelwano. kwemali ngexesha ityala kwandisa umda kwemali ekhoyo. Umthengi uhlawula kuphela kanye imali eyinkunzi esetyenzisiweyo.

Kwimeko yokuqala umboleki obuyisela mboleko ebhankini kunye nomzimba inzala, emva koko umgca ivaliwe. Kwaye ke wesibini - emva kokuhlawulwa Isigaba sokuqala kumda kwezibonelelo ezikhoyo ukunyuka, kwaye uyakwazi ukusebenzisa imali ebolekiweyo kwakhona. Inye kuphela umda - ityala kufuneka zibuyisiwe kwithuba kwixesha elithile. Amaninzi ke iinyanga ezi-3.

credit line Non-esijikelezayo kunye umda kwamanzi isebenza xa umxhasi kufuneka imali ebolekiweyo kangangexesha elithile. Kodwa ke umhla ngqo ekuqalekeni iindleko ezingaziwayo.

umgca Framework ikhredithi ivulelwe obonelelo intlawulo, apho yenziwa qho ngamathuba amiselweyo, kwisithuba sexesha elithile.

Kukho inkqubo eyahlukileyo, apho -umlenze entsha zingafumaneka kuphela emva kwentlawulo epheleleyo yangaphambili kwisithuba ngexesha elimisiweyo izihlandlo eziliqela. Libizwa ngokuba umgca olululo ngetyala.

Kukho iintlobo ezininzi ezithile:

• on-call (ukubuyiselwa imali kukuvumela ukuba ufumane i-mboleko elandelayo yale mali);
• akhawunti open (credit ekhutshwe ngokuzenzekelayo emva kokuhlaliswa yangaphambili);
• multicurrency (short-term ngemali lwemisebenzi namanye amazwe);
• ngokufunwa (mboleko ezikhutshwe ngesicelo), kunye nabanye.

izibonelo

• Xa umboleki non-esijikelezayo umgca ngetyala ebhankini kwi-mali engange million 1. ngezavenge ezithathu zaye zathathwa: 500, 200 amawaka 300 engange .. Emva kokufumana inxalenye yokugqibela kumda kufikelelwe kuzo. Ngoku, umthengi kufuneka uhlawule imali ngokupheleleyo. Sebenzisa imali, nokuba intlawulo kwenxenye yetyala akakwazi.

• Imibutho umda Credit - million 1 engange. Mboleki wathabatha -umlenze - 700 amawaka engange .. Emva kwalo msebenzi, isiqingqo lancitshiswa 300 lamawaka. Thambisani. Inyanga elandelayo kubuyekezwa yinxalenye yetyala - 500 amawaka engange .. Ngoku, isixa-mali olukhoyo ngolu hlobo lulandelayo: 500 + 300 = 800 lamawaka engange .. Oko kukuthi, lomxhasi ukurhoxisa imali amaxesha amaninzi kwaye ndizibuyisele kuye. Ukuze isiphumo sokudibanisa ayidluli oko umgca yamatyala inikeziwe. Le mboleko ajikelezayo.

Ngamanye amaxesha ibhanki iya ukuhlawulisa umrhumo nxenye ingasetyenziswanga mali. Kulo mzekelo ungentla, eli nani 300 lamawaka. Thambisani. Kwakhona, xa scheme olubekwe elide ehlaziyekayo buyiselo of Isigaba ngasinye. Sivumelwano babulawe kunye nonyaka omnye. Kodwa yonke enye indlela ezisetyenziswayo kufuneka zihlawulwe zingaphelanga iinyanga 2-3.

• Phantsi kwemiqathango yale nkqubo revolvertnoy umda engange million 1. kunyaka 1. Le lomxhasi ukuthatha imali kuloo mali naliphi na inani lamaxesha zingaphelanga iinyanga ezili-12.

Ngokungafaniyo umgca ngetyala mboleko target

• Lula kwaye inani lo lweshishini. Umhla nemfuno imali awaziwa kwangaphambili. I-credit umgca nge umda kwamanzi ikuvumela ukufumana imali-mboleko ngexesha uze uhlawule xa ithuba.
• Ukutsala mali bachitha ixesha elincinci.
• Nangona le nkonzo ifumaneka kwiibhanki phantse bonke abathengi, kodwa imida kunye ngokwemiqathango nkonzo ixhomekeke kwisikali lombutho.
  Kwezinye iimeko, kuya kufuneka ukuba ukhuseleko. Oku kunokuba izinto ekrwada ukuba inkampani izuza ngemali ebolekiweyo, okanye ezinye ii-asethi. Phambi ireyithi akananto sinciphile kwaye inkqubo processing intengiselwano kwandiswa.
• Uyakwazi ityala ekujoliswe kulo kwi-Savings Bank. Imigaqo nemiqathango yokusetyenziswa iya kuba noncedo olunganeno ukuya mboleki. Ngokuqhelekileyo ubeke imigca ezincinane yamatyala izinga lenzala.

Iimpawu yenkonzo iiBhanki Russian

I-mboleko ingafumaneka kwi engange, zeerandi okanye euro. Isixa-mali kuxhomekeke yokuhlawula amatyala yequmrhu elisemthethweni, imbali yawo yamatyala kunye nengeniso akhawunti. Times ziyahluka ukusuka kwiinyanga ezi-3 ukuya kwiminyaka-5. .. Ukuba uvula 'ubude' umgca wetyala umda ityala abantu abangaphezu kwe-1000 amawaka engange, ibhanki ingafuna amalungiselelo ngokwaneleyo indawo, ilizwe, izithuthi kunye nezixhobo. Le inkampani ukufumana imali-mboleko:

• e fixed \ ezidadayo izinga lenzala;

• IKomishoni% iya kubalwa ngokwahlukeneyo Isigaba ngasinye.

Intlawulo Bank lusoloko ibekwe ngokomntu ngamnye, ngokuxhomekeke kwisixa, lwemali, imihla, ubolekayo finsostoyaniya, igama kunye neqondo lomngcipheko yombutho. Le Komishoni ke ku ezahlukene 10-20% ngonyaka. Ukuvula umgca ngetyala buxabise mboleki ngo-2% lemali umda. Iskim olujikelezayo ukuba imali yenkonzo ngenyanga inganikezelwa. Kwakhona, kusenokuba kukho imida loo mali Isigaba.

Izinto eziluncedo ze iqumrhu elisemthethweni

1. Gcina ixesha: akukho mfuneko yokuba babhalise ukuthenga ngasinye ngokwahlukeneyo.
2. Inzala ihlawuliswa kuphela indlela ayisebenzisayo.
3. Ukubuyisela kwenzeka ngokuzenzekelayo xa ukuthumela imali esuka iikontraki ngendleko umboleki.
4. umyinge wenzala ngokusebenzisa inkonzo lingaphantsi kwethagethi ngenxa mboleko.
5. Ngoncedo lwe mboleko lomxhasi ukunyusa inkunzi yokusebenza ukuhlawula iindleko ezingalindelekanga okanye ukuchitha imali kuphuhliso loshishino.

Credit kwi Savings Bank: iimeko ukuze bafumane iinkonzo

Inshita kwiziko lemali ngobukhulu inika mboleko engange ukuya kwizigidi ezi-3. kumyinge we 19-19,5% ngaphandle ibheyile nokunqaba. Le nkampani Ungasebenzisa imali ngokusebenza asethi ezinkulu okanye nophuhliso loshishino. Kwangaxeshanye, ibhanki unelungelo ngumkhenkce unilaterally ngokwezavenge, xa kuthe neengxaki zokuqala zemali.

Limit kuthetha ngazo Sberbank enikiweyo yekhredithi umgca kuxhomekeke nkcukacha lweshishini, iprojekthi ethile, uzinzo lwemali inkampani, ukuqinisekisa igama ishishini lo mbutho. Xa kufuneka isixa esikhulu yemali-mboleko ukuba akhuphe idiphozithi. Kusenokuba izakhiwo, izixhobo, izithuthi, izabelo, izibambiso. ubukhulu loan 50-70% kuxhomekeke ixabiso ngummeli wowona ulungileyo. Kokuba isicelo siqwalaselwe emva kweveki. Ngeli xesha iimeko zangaphandle nangaphakathi, indlela yokuhlawula amatyala ka ngummeli wowona eliqikelelwayo. Ukuba ibhanki iya kuthatha isigqibo esifanelekileyo, ngoko unga nangoko basayine imvumelwano umgca ngetyala. ixesha elongeziweyo ukuze baphinde bavavanye-asethi abayi wachitha.

ezinye izibalo

Imfuneko kwamashishini mboleko "elide 'ukuya ku engange 900 ezigidi. ngonyaka, kodwa inkampani akafumani ngaphezu kwe-10% yale mali. Ithuba payback lotyalo ufikelela kwiminyaka 7-10. ngenkuthalo Sberbank ngemali amashishini amancinci. Malunga nesiqingatha yephothifoliyo mboleko lombutho -. Investment zexesha elide kwi-mali ka engaphezu kwama-600 ezigidi engange, apho kubonelelwa kwiinkampani-1 million. Ukuze amashishini umgca credit "Business" yaphuhliswa lishishini elincinci apho unako ukufumana mboleko nayiphi na injongo: ukusuka ukuthenga izinto mboleko yokusebenza kunye mali kwamanye amaziko.

iindaba

Iibhanki baba engeluncedo lwanto ukubonelela amaziko kumgca kreditivnye. Oku kungqinwa nenzululwazi kubathengi yimali. Ezo zinto zithathwa ngokufanayo-mboleko eziqhelekileyo. Isixa-mali, nto leyo kufuneka ubuyisele umxhasi sibalwa hayi ukusuka umda mboleko kunye nomthamo epheleleyo intlawulo. Kubalondolozi kuyihl 'amahlongwane le mveliso ayikho njenge-off mnye, ngokunjalo ewuhlaziyayo. Ngenxa yoko, iindleko imibutho zeentengo zemboleko ngcono kakhulu.

Option for ngabanye

AmaRashiya usenokwenza amalungiselelo umgca ngetyala, kodwa le nkonzo inikwa, hayi zonke iibhanki kunye ibheyile kuphela. Njengoko idipozithi evulekileyo lokugqibela. Injongo - ngemali mboleko kunye nenye ibhanki okanye ukufumana inkunzi ukusebenza ngenxa sokuqalisa kweshishini. Nangoku ukuba le nkonzo zinezibonelelo:

• ithuba lokusebenzisa imali ebolekiweyo, ngaphandle kokonakalisa yedipozithi kunye nenzala yayo;
• bafunxe inkonzo zonxunguphalo ukuba usebenzise besibini idipozithi kumntu;
• credit sivunyiwe ngokohlobo uvula iakhawunti yebhanki;
• iphakheji isezantsi yamaxwebhu;
• iindleko software design ezikhoyo;
• umyine wenzala yi idla esilingana kubonelelwe phantsi idiphozithi elinikiweyo eludinini encinane;
• akukho ntlawulo ngenyanga;
• uluhlu lwamatyala nga vuleka zeedollar, euro okanye engange Russian;
• elona thuba lide - iinyanga ezintandathu.

Kukho omnye umzekelo ngakumbi - olujikelezayo "ikhadi lamatyala." Imali zingafumaneka nangaliphi na ixesha, kwaye ukuyibuyisa senziwa zabo. Kwakhona kungabandakanya mboleko imfundo, izindlu, xa imali iza ngokwezavenge, kwaye ungagcina ngenzala.

isiphelo

umgca Credit - uhlobo olutsha mali lwamashishini. Ukuhlawulwa kwetyala unikwa ithuba elimisiweyo. Imali isetyenziswe ngexesha xa uwafuna. Inzala ihlawuliswa kuphela kwisixa esetyenzisiweyo. Ngaloo izinga ingalungiswa, adadayo okanye umntu ngenxa Isigaba ngasinye. Sberbank credit line, ngokuxhomekeke kwiimfuno ezinkulu sisenokwamkelwa ngaphandle akananto okanye ngummeli wowona. Zayiphumeza kwi 19.5% ngonyaka.