Business Lending: features, zvinyorwa uye vanorumbidza

Akadana chikwereti mari inopiwa pamahombekombe munhu kana sangano kwenguva chaiyo munguva. The kutengeserana kunosimbiswazve nemashoko chibvumirano, maererano izvo anokwereta anofanira kuripa. Nokuti vazhinji, mbiri chete nzira kuwana mazakwatira. Entrepreneurs vanodawo zvokushandisa kuti kuvhura kana kutanga bhizimisi ravo.

Business Lending - mukana webasa kutenga michina uye pakugadzira zvinhu. Get mari hakusi nyore sezvo zvingaita sokuti. Kuti ngaakuitirei, unofanira uzive zvose zvinhu. Pashure pezvose, kana kutanga bhizimisi zvakakosha kuva nechokwadi kuwana zvakanaka mugumisiro.

bhangi zvinogadzirwa

Business anomukweretesa Anotsigirwa hurumende. Credit Masangano dzinopiwa quotas nenhungamiro masangano mari. Kana boka rave mwedzi anopfuura matanhatu, ndiko kuti, mukana yokuwana mari kukura.

The makuru boka unoshanda, chikuru mukana kuvhura dzinza zvikwereti uye kuwedzera zvebhizimisi niche. Mhanyai iwe uye musarasikirwe guru kutonetsa. Kuita zvakanaka, Entrepreneurs vari kutendeukira kuna kubhangi, apo pane zvinhu zvemari yose dzine basa.

Kuwana mari diki uye unosvikirwa mabhizimisi

With kukura pachavo mabhizimisi aida mari, saka reditovanie maduku uye svikiro kadikidiki mabhizimisi chinhu chinodiwa basa. Money wakabudiswa pamahombekombe, kushandiswa kuvandudza kuparadzirwa uye inivhesitimendi yemakambani:

• kutengwa uye yokugadzirisa midziyo;
• uvandudze pamusoro turnover;
• nokuvhura itsva munda basa.

Havasi mabhizimisi matsva zvose kushandisa mari private, saka vanoshandisa rakumbirwa mari. Ichi chiduku, uye haadi kuti vataure navo. Kana mushandirwi zvinotora mubhangi borrowings, inova kuramba kuti nemhosva yake. Mukana kuwedzera purofiti anopa zvikwereti zvebhizimisi. Banks kupa vatengi zvakasiyana siyana kuti kufanana uye kusiyana.

izwi chikwereti

Nokuti Entrepreneurs ndiwo zvikuru yokuita basa. Mari tichaverengerwa icho munhoroondo sangano, iro rine basa dzosera kunouya mubereko kana yakafanira. Kazhinji mabhanga havafaniri kuzosimbisa akaronga kushandisa mari, asi vanofanira kupa rubatso kana guarantors kukoka.

Business anomukweretesa kunoita pfupi kuwana zvinodiwa zvokushandisa, motokari, kuvandudza kutengeserana. Ruve rubatso inopiwa:

• Real Estate;
• senga;
• midziyo;
• chinokosha.

Nepo sangano chibvumirano ane mukana wokuchinja rubatso, asi chete pamwe vabvumirana kubhengi. Kana chikwereti chinobviswa kwenguva yakareba, usvike kutora mari wemuno. Uye ane diki nguva mukana aponese mhindu.

mamiriro ezvinhu

anomukweretesa mabhizimisi ane dzimwe zvinhu. Mari dziri wakabudiswa rubles, madhora uye euros. The zvazvingava iri pakutsvaga mari, izwi uye mari. Nokuti nguva vatengi pemahombekombe kwakaderedza prices. Mamiriro ezvinhu zvinosanganisira:

• Vamwe Masangano vane yomwaka yezvakaita basa, saka kwavari pemahombekombe zvinopa munhu purogiramu vachibhadhara;
• zvimwe Entrepreneurs havana pfuma, uye ipapo mabhanga zvinoda guarantors.

Chisarudzo kupa chikwereti dzimwe nguva ndakanganisa ne vaongorori nokuda bhizimisi urongwa. Kana kushanda, ipapo isu kupa yakanaka Achipindura urongwa mari.

chikwereti mutsetse

Anokweretesa svikiro kadikidiki mabhizimisi vachishandisa rubatso. Bank chikwereti iri pakutsvaga nguva pashure nhoroondo mari chekambani vari kuuya, asi kwete chose, uye sezvinodiwa. Kufarira akapiwa chete pamusoro mari. Izvi mhando anomukweretesa zviri nyore kutenga maduku kwazvo zvinhu.

The chikwereti mutsetse ine 2 parameters:

• drawdown muganhu: nemari iri nguva mutsetse chiito, asi vamwe mabhanga vari kutanga mubereko uye nokuda mari tsva;
• chikwereti muganhu: asi nemhosva anopiwa shoma, pamusoro iyo mari haisi rakapa.

Zvakanakira kadhi mutsetse zvebhizimisi:

• kukarukureta havukavu;
• kuwedzera muganhu;
• shandisa mari kwenguva refu;
• kubhadhara mubereko chete nzira basa.

overdraft

Kukweretesa svikiro kadikidiki mabhizimisi zvinogona kuitwa nokubatsira ane overdraft. Ichi basa inowanika kana uine kuongorora nhoroondo, uye havadi chikwereti nokuti. Mari anopiwa pamusoro zvakakwana zvakanaka mashoko. The Bank inoongorora kufamba mari iri munhoroondo. Somugumisiro, mari wakaisirwa chichakurukurwa rakapa kuti nemhosva kana zvakakodzera. Kana nhoroondo iri yoku- namaturusi itsva, havana refu kuvharwa.

basa mari

Pane mari rubatsiro kune diki mabhizimisi achiposa iyo hwezvekukurukurirana zvikuru nzvimbo Entrepreneurs. The sangano anoita somunhu rubatso, achibatsira anokwereta kuwana chikwereti. Kukurudzira SME anomukweretesa rinoitwa kuburikidza pamwe mari kubva mabhanga.

Muzvinabhizimisi kushandisa kuti chikwereti, zvichiratidza kuti ane chido yaimutsigira musangano wehurumende. The Bank ari kufunga mamiriro ezvinhu, vakapiwa zvakakodzera mashoko. Shure kwaizvozvo mumwe chibvumirano kuti pave kushandiswa rwunotumirwa Foundation. Kuenda kuti asaine gwaro kumativi matatu. Small Business Lending Fund anogona kutora chikamu chiduku.

Zvaunofanira kuziva kana iwe enda kubhengi?

Zvinofanira kurangarirwa kuti chikwereti yakadaro iri rakapa panguva soro kufarira prices. Saka, enda bhengi chete kana zvakakodzera. Zvakakodzera kuuraya chibvumirano nokungwarira kana zvose zvakafanana mari inodiwa. Chisarudzo kuva akanaka, zvinotarisirwa kuti pachine kugadzirira urongwa bhizimisi. On rinogona kuonekwa, izvo zvinoda mari, uye sei purofiti achaita -bereka.

mukurumbira Rinokosha muzvinabhizimisi wacho. Unofanira kupa chizvidavirire zvinyorwa zvinowedzera mukana wokusvika mari. Zvinofanira kuva azviveza nemazvo, kuitira kuti kurambwa. Svikiro mabhizimisi zvikuru ndezvechokwadi kubva kumahombekombe. Rubatso anogona kushumira emakambani, zvinhu uye pfuma.

Ndezvipi zvinodiwa magwaro?

Kuzarurwa Nhoroondo kuti pamutemo masangano rinoitwa pahwaro magwaro:

• chikumbiro;
• kopi bumbiro mabasa;
• kopi pachiyero pepa;
• kopi gwaro nevamwe;
• kopi rezinesi.

mumanyoro All kunodiwa kuti vanopupurirwa nemutungamiri uye kutevedzera - ari gweta. Sezvo kungadiwa nemamwe magwaro.

tinyatsonzwisisa anokwereta

Kune 2 mhando anokwereta kupima: chinangwa uye kuzviitira. Kubva pakutanga kufunga mitsara zvemari, uye wechipiri - anotevera zvinhu:

• chechetere kuzvidzora;
• mamiriro of indasitiri;
• musika mamiriro;
• mashoko zvemari.

With mabhizimisi chikwereti pane njodzi zhinji. Vamwe masangano, kubhangi kumbobvira vakashanda, izvozvo anomupa chivimbo. Gore negore, vakawanda emakambani kuti kushandisa mabasa zvemari.

Where kuenda?

For zvikwereti zvebhizimisi wakabudiswa pamahombekombe "VTB 24". Izvi rwezvemabhengi chigadzirwa inonzi "Kommersant". Vanamuzvinabhizimisi vane mukana anosvika 1 mln. Rubles nokuti nguva 6 mwedzi 5 years. Overpayment akapiwa pamwero wenyika 21-29% uye pakutsvaga kukura muzvikwereti. "VTB 24" inopa vanamuzvinabhizimisi zvinotevera mabasa:

• "Overdraft" - imwe overpayment ndiyo 11%, izwi - 1 gore.
• "Wokurarama chikwereti" - wakabudiswa 10.9%, nguva - 2 years.
• "Investment chikwereti" - nhamba kuitwa 11.1%, nguva - 84 mwedzi.

Mapurogiramu aya vane, uye "Alfa-Bank." Zviduku yakawandisa mamiriyoni 3 rubles, uye kufadza -. Mamiriyoni 5 mutsividzo nguva ingabva 6 mwedzi 3 years .. "Alfa-Bank" anopa bhizimisi kadhi yokuisira ane muganhu 500 000 rubles. "UniCredit Bank" chinopa nzira kuvandudza diki uye unosvikirwa mabhizimisi. Rakawandisa siyana 500 zviuru rubles 25 miriyoni. chikwereti mutsividzo nguva - kubva 6 mwedzi 2 years. Kubhengi "Uralsib" zvikwereti hunoshamisa muzvinabhizimisi kubva 300 zviuru mamiriyoni 10 muripo nguva -. 1 gore. Unogona kutaura "PSB", apo vatengi vari yakapiwa mamiriyoni 5. Rubles makore 10. Pano unofanira kubhadhara chikamu kubva 20-40% rokutanga. The zvinobetsera kupfimbwa iri "OTP Bank." The zvazvingava zviri 9,5%. Unogona kutora vaifanira mamiriyoni 40. Rubles. Sberbank kweRussia rinopawo zvikwereti zvebhizimisi. Entrepreneurs kuverenga kusvika $ 200 mln. Rubles. Uye mwero iri 13.26%.

Kushandisa zvakanaka musimboti, zviri chinodiwa tinyatsoziva ine zvirevo zvishomanana, uye ipapo kusarudza zvakakodzera zvikuru. Zvakanakisisa kushandisa mabhanga shoma kuwedzera mikana yokuwana mari. Kana, zvisinei, pachava approvals akawanda, pane mukana sarudzo. To musi, achiposa ari kukura kwazvo zvinobudirira. Angashandisa mari anenge ose sangano. Kana nguva kubhadhara, pemahombekombe kupa zvakawanda zvakanaka mashoko kuti vatengi vavo.