Asizakale ukusebenza - inkomba yokuthi kwemali elilungile

asizakale umphumela has izingxenye ezilandelayo:

- umehluko, okuyinto buchazwa ngokuthi umehluko phakathi Inkomba kanye maphakathi Roa ibalwa ngamaphesenti kwemali;

- isigwedlo ingalo, ebalwa njengoba isilinganiso ezikweletini ukuze nokulingana dolobha.

Kule umqondo lulandela imithetho emihlanu eziyisisekelo loan imali:

1. Inzuzo yemali ebolekiwe entsha incike okuholela umehluko amagugu esikhathini esizayo. Kulokhu, udinga ukulandela eduze kakhulu ekushintshashintsheni kule inkomba. Ngakho, kuyilapho sihlakulela "isigwedlo ingalo" ebhange ivala ingozi okuvela ukwanda amanani loan. amathuba Esanele kule ndawo kukhona izinkampani ukuthi abe supply enkulu umehluko.
2. ingozi umbolekisi sika inhlukanozigaba ukubaluleka umehluko. Ngakho, lapho ingozi Inkomba okusezingeni eliphezulu kancane ke kunani ephansi, ngokulandelana, iyakhula.
3. Uma sicabanga ukuthi kungenzeka ukuthola credit ngesikhathi izibalo ezidingekayo ukukhipha isamba ekhokhwa.
4. I ukuzinza kwezimali ibhizinisi incike Ingxenye imali, ngakho-ke, ukuthola imali-mboleko yendlu entsha kumele ziphathwe kahle.
5. Izinga elikhulu imali kubhekwe ukuba sabo amaphesenti angu-40 azo zonke impahla yebhizinisi. Wathi Inkomba ilingana nenani 0.67 isigwedlo.

Ukwandisa asizakale loan kwandisa isakhiwo ibhalansi, elikwaziyo ukhiqize ingozi ethile. Futhi lokhu kungokudingekayo ngokuba sincike ababolekisi kwenzeka buyiselo ngasekupheleni wesikweletu, okuholela kona ekulahlekelweni zezimali ukuzinza kwezezimali.

Ukuze amabhange kubaluleke kakhulu zingabangela umboleki kwakukhona ukubaluleka omubi umehluko. Abanye ochwepheshe bakholelwa emkhakheni kwezomnotho, ukuthi umphumela asizakale ukuze kuzuzwe elikhulu yayo kumele zilingane ingxenye eyodwa kwezintathu nembuyiselo emafeni.

Ngamanye amazwi, nenzuzo Inkomba sincike ukulungiswa ngempumelelo lokhu usayizi value. Kuphela ezingeni asizakale zezimali mphumela ikhombisa Amathuba ukunxeshezelwa intela futhi ukuqinisekisa izindlela zalo siqu.

Ukuze uthole ukwaziswa ngalezi imiqondo ezidingekayo ukuqonda isimiso asizakale, futhi ifomula ngalo ibalwa.

Umthelela asizakale zezimali inquma ukuguquguquka ukubaluleka umholo ophelele isabelo ngasinye ibalwa ngemaphesenti. Ngakho, ngo-ukubalwa umehluko kuyinto ukusebenza ngokusekelwe intela, okusho izingxenye ezimbili kwezintathu umehluko okuholela nenzuzo kanye zenzalo. Ikhumbula kwencazelo ingalo isigwedlo, kungenzeka baphethe le ndlela elandelayo:

EGF = 2/3 (ER - PO) * (AP / CC),

lapho ER - inzuzo kwezomnotho.

SP - Izinga inzalo emalini ebolekwe.

AP - nenani izimali ezibolekwe.

SS - nenani kwezimali siqu.

Kususelwa ifomula, singaphetha ngokuthi e isibikezelo inkampani emkhakheni ezezimali nezomnotho kufanele kubhekwe kuye ehlombe lamanani umehluko.

Bala elilungile asizakale ukusebenza - inkinga kusuka endaweni fantasy. Ngemva kokuba namuhla evumayo isigwedlo ingalo Ayaziwa kusasa kuyoba nenzuzo kwezomnotho futhi inani lenzalo (umehluko). Ngakho, ukukhangana kwezimali lowengetiwe ngendlela imali futhi isisusa ukuthuthukiswa ibhizinisi, kanti ezinye ingozi isiza ekubuyiseleni izinto ezibonakalayo esikhathini esizayo.

Ngakho-ke, umsebenzi oyinhloko noma yimuphi umphathi wenkampani itholakala exclusion izingozi zezimali, ukuthatha kuphela kubalwa besebenzisa zezimali asizakale ukusebenza.