Yintoni na ngetyala elifutshane kumashishini?

imali zexesha elifutshane - oku kubonelelwe yi yibhanki ixesha elifutshane isixa semali, yona ikhutshwa kwi ngokwemiqathango sivuthiwe, intlawulo ngokosuku. Njengomgaqo, izivumelwano kunye kubaboleki kwithuba apho kufuneka ukuba uhlawule imali, kwaye umyinge wenzala kunye neemeko ngemiyinge emincinci abolekise zahlukile imigaqo amaziko zebhanki nabantu. Okwangoku, imali-mboleko yebhanki elifutshane ijolise kwiinkampani mali, yahlulwe yaba mboleko ngexesha elinye-, ovadrafti boleka ngohlobo kumgca credit non-nezihlaziyekayo ajikelezayo.

Idiposithi: Iinkampani zabucala ungafumana elifutshane mboleko orhwebo, ngokubonelela iziko zebhanki njengoko asethi wammela ulwelo, intengiso apho kwimeko non-yentlawulo yemali ethathwe ukusuka umbolekisi inokuzigubungela imali osityala ebhankini. Njengesibambiso yenkampani angasebenzisa zokuhlala okanye zorhwebo indawo yokwenene, izithuthi kunye nomhlaba, oomatshini ezizodwa nezixhobo ezenziweyo ukufaka imali iimveliso ejikeleza.

Ekhutshwe ebhankini engaphezulu: I ecetywayo ofisi zebhanki overdraft - mboleko elifutshane esikhutshwe amashishini yokugubungela yokunqongophala ukusetyenziswa yi okwethutyana ikomkhulu ukusebenza ngohlobo lwemali kazwelonke ngqina ukwenza izibalo zangoku. Okwangoku, i-ovadrafti kwenziwa ngokusebenzisa amaxwebhu ukuhlawula intlawulo phezu yokutyiwa kwemali kwi-akhawunti yangoku benkampani, ngaphakathi isixa semali ekuvunyelwene kuqala. Kwaye ekhutshwe ebhankini engaphezulu iya kubuyekezwa ngeendleko mali ezifunyenweyo kwi- akhawunti yangoku lweshishini client.

Ekhutshwe ebhankini engaphezulu bangalindela iinkampani zorhwebo kunye nembali engenabala ngetyala. Isivamvo eyahlukahlukeneyo mboleko elifutshane elide liziko zemali eyenza nokunqongophala bentlawulo kwingxelo ixabiso kwishishini-umxumi kwimeko apho akhawunti yangoku umbutho imali ngaphantsi kwe kufuneka enze intlawulo. Ngaphezu koko, imali kwiziko lemali ukuya ngqo kwi-akhawunti yangoku komamkeli, igama elichazwe kumaxwebhu intlawulo, kungekhona ngenxa yokuba inkampani, nto leyo umxhasi we bhanki.

Ovadrafti akholisa ngentlawulelo ngendlela oluzenzekelayo xa imali kwi-akhawunti ye client, yaye imiqathango enjalo iintlobo yokubolekisa ezimiselwe ngokucacileyo kwiimvumelwano ezisayiniweyo yi umboleki kunye endodeni. Njengomgaqo, inkonzo overdraft isekelwe ubudlelwane nokuthembana phakathi inkampani lomxhasi kunye ummeli ebhankini, ngoko obolekayo mfuneko ukuphumeza izivumelwano zemali-mboleko ngexesha ngalinye xa inkampani uswele imali.

Iimali-mboleko ngenxa yokusebenza: mveliso credit zexeshana elifutshane ukunikwa imali epheleleyo yemisebenzi zoshishino eqhubekayo. Ngokusebenzisa mboleko ukuze ukuthenga izinto ekrwada, iintlobo zezibonelelo ukuvelisa iimveliso agqitywa, ukuthenga ewonke zonke iintlobo impahla, injongo yoko zokuthengiswa zabo ezilandelayo.

umgca Credit: Amaxesha amaninzi ngetyala elifutshane elide kwimibutho zorhwebo ikhutshwa ngokuvula umgca ngetyala. Kulo mzekelo, imali enikwa umxhasi ngohlobo ngokwezavenge ngamnye kwisithuba sexesha elithile, ngaphakathi umda ekuqaleni kucacisiwe kule mvumelwano, qhuba thethwano ezizodwa ezisisongezelelo ziyafuneka.

credit line Non-esijikelezayo - uhlobo abonge, xa ifakwe ngaphakathi kwiziko zebhanki zorhwebo, umbutho ifumana ngokwezavenge umda ukuba imali ethile kwangaphambili zicaciswa gca kule mvumelwano. Kwimeko kumgca esijikelezayo kwinkampani lomxhasi ufumana imali -umlenze, kwaye emva kokuba uyihlawule ngokupheleleyo ozakuba mboleko entsha imali ngaphakathi kumda lusekiwe kwaye ngokwemiqathango echazwe kwisivumelwano semali-mboleko.