Lokuhlela Kabusha - Lena inqubo eyinkimbinkimbi

Igama elithi "ukuhlelwa kabusha" - a kwemali olimini lwesiNgisi, kusho ukushintsha indlela yabo isakhiwo, ukuhleleka kanye nesakhiwo. Le nkulumo ejwayelekile, ngakho izinqubo wabhekisela kulesi umqondo zingatholakala kunoma yiluphi uhlobo lomsebenzi. Ngokwesibonelo, ngo-imikhuba Western zezimali kuyinto efana "kabusha liqinile." Kulokhu, inkampani kabusha ngaphansi kwethonya izici yangaphakathi noma yangaphandle, njengoba isimo esikhona manje uthathwa ayizwakali.

Inkampani ukuhlelwa kabusha - okungukuthi, okokuqala kunakho konke, ukuhlola isimo samanje futhi ngokuzibekela imigomo emisha okumele izuzwe. ukuhlaziywa zokuqala ngokuvamile kuhilela nokuhlolwa ubuholi obukhona, amasu zamanje, intela, ukuhlaziywa zomthetho. Ngakho-ke, cishe ngaso sonke isikhathi ukushintsha isakhiwo yenkampani kuthinta izingqimba okungaphezulu kakhulu kokumane kabusha kwezimali.

Uma izinkinga main, ochwepheshe usuqala ukuba nesu elisha, futhi project imisebenzi. Kulesigaba ibalwa impumelelo kungenzeka, izingozi, imithombo efaneleko. Ngezinye izikhathi ilungiselela kunemizamo eminingi, lapho abaphathi kanye abanikazi Ukhetha ukhetho best.

Lokuhlela Kabusha - Lena inqubo eyinkimbinkimbi, umphumela okufanele ekhishwa inhlangano ezingeni elisha. Eziningana kwamanye lwenzeka ezivulekile wezwe lakithi emkhakheni wezezimali. Namuhla, abantu abaningi nezinhlangano ezingokomthetho ibhekene yokuthi abakwazi konke kuzokwenzeka ngesikhathi esifanele ukuba abuyisele ukubolekisa nesithakazelo kubo.

Nezikweletu ukuhlelwa kabusha isivumelwano phakathi ayemkweleta ngabanye kanye lo muntu obolekayo, okuyinto ngokuvamile uhambisana uchungechunge imibhalo (ikhophi isivumelwano sesikweletu, ikhophi yephasiphothi kanye nomsebenzi irekhodi lesikweletu, isitifiketi ekhombisa isamba semali ikhokhelwe kanye nenani izikweletu, Isitifiketi Incorporation). A sesikweletu uhlola solvency ka umboleki, uma inquma ukuthi akunakwenzeka ukukhokha loan izimo zamanje kuyakhethwa elinye icebo umsebenzi ngokuhlanganyela kuye.

Ngokuvamile, izinhlangano zezezimali bayahamba ukwandisa imigomo lokukhokha, ukushintsha nohlelo lokubuyisela imali njengoba izinkokhelo, ukushintsha imali imalimboleko (isibonelo, ne-euro ku ruble Russian). Ngaphezu kwalokho, iklayenti inganikeza "credit iholide" lapho unikezwa kwenkathi ethile ukubambezeleka sokukhokhwa imali avelele yokukhokha. Nokho, akufanele sizikhohlise, ngoba ibhange isazoqhubeka uthole imali ekweletwa kuye ngokuwangeza ku isamba izikweletu ngemuva kokuphela kwesikhathi somusa.

Kabusha ezihlongozwayo of credit izikhungo - akulona isipho. Cishe njalo ngcono okwesikhashana kuzoholela ezengeziwe izinkokhelo isithakazelo. Ngakho-ke, zonke izikimu ezihlongozwayo kudingeka ukuqaqa ngokucophelela futhi abale. Mortgage payers enisezweni nesimo esinzima kwezezimali, ungakwazi uthintane "ARMC" (a ejensi okukhethekile kabusha ukubolekisa e mortgage), okungaba ukweluleka isikimu nge loan sinjalo noma inkontileka.