Umahluko phakathi kwemali mboleko kunye nekhredithi

Wakhe wazibuza ukuba yintoni umahluko phakathi kwekhredithi kunye nemali mboleko? Ukuba ungomnye wabantu abasebenzisa la magama mabini ngokulinganayo, uyaphazama kuba iikhredithi kunye nemali mboleko azifani ncam. Nangona silisebenzisa ngokubanzi igama elithi ikhredithi njengegama elifanayo kwimali mboleko, enyanisweni ikhredithi yimbonakalo ebanzi kakhulu kuba inokubandakanya ezinye iikhonsepthi ezinje ngeekhredithi, iimali mboleko zomntu, iimali mboleko zabathengi, iimali mboleko zemali mboleko kunye namakhadi etyala.

Ngaphandle koku, "Ityala" kunye "nemali mboleko" Ngamagama amabini esihlala siwathatha njengezithethantonye, ​​kwaye kulwimi oludumileyo nolusetyenziswa ngokufanayo.

Iikhredithi zingahlulwa kubini: ityala kunye nemali mboleko, kunye nezinye iikhonsepthi ezinokuvela kwimali mboleko: ubuqu kunye nobambiso. Makhe siqhubeke sijonga umohluko phakathi kwemali mboleko kunye nekhredithi, kunye nendlela ezisetyenziswa ngayo nganye.

Yintoni imali mboleko?

Imboleko ngumsebenzi wezemali athi umntu okanye iqumrhu elibizwa ngokuba ngumbolekisi anike elinye, elibizwa ngokuba ngumboleki, isixa semali esiqingqiweyo. Esi sixa semali, esikwisixa esimiselweyo phakathi kwamaqela omabini, yiyo le nto ibolekayo.

Kuyabonakala, umbolekisi akahlukani nemali yakho ngaphandle kwesizathu. Kwaye oku kukuba, ngesivumelwano semali-mboleko, umboleki uyavuma ukubuyisa imali ebolekwe kunye nenzala ekuvunyelwene ngayo emva kwexesha elithile, cinga, umzekelo, unyaka onesiqingatha.

Intlawulo yemali mboleko yaziwa ngokuba kukuhlawula amatyala, kwaye kwenzeka, ngesiqhelo, ngezavenge rhoqo: ngekota, ngenyanga, kwisemi yonyaka, okanye nakweliphi na ixesha esifuna ngalo, kulo lonke ixesha elimiselweyo. Ke ngoko, wonke umsebenzi wemali mboleko unobomi obumiselwe kwangaphambili. Kwimeko esiyibeke ngaphambili, yonke imali iya kubuyiselwa kwiinyanga ezilishumi elinesibhozo, nokuba yeyiphi na izavenge kunye nobuninzi bazo.

Omnye we ezona mpawu ziphambili zemali mboleko Inzala leyo ihlawuliswa, rhoqo, kwimali yonke ebolekwayo.

Iimali-mboleko zihlala zenziwa ukuxhasa ngemali ukufunyanwa kwenkonzo ethile okanye okuhle.

Zithini iikhredithi?

Ikhredithi sisixa semali, kunye nomda osisigxina, owenziwe yibhanki okanye iziko letyala elinika umthengi. Oku akuyi kufumana isixa esipheleleyo ngaxeshanye, kwimeko yemali mboleko, ekuqaleni komsebenzi, kodwa, ngokuchaseneyo, iya kuba nakho ukuyilahla ngokuxhomekeke kwiimfuno zayo ngalo lonke ixesha, ngesiqhelo ukusuka kwikhadi letyala okanye kwiakhawunti.

Ngayo yonke le nto, sifuna ukutsho ukuba iqumrhu liza kwenza unikezelo, ngokuyinxenye, kuloo mali inikwe umthengi ngokwesicelo sakhe. Umthengi unokufuna ukuba nayo yonke into imali enikwe yibhanki, kodwa isenokubanga kuphela inxenye yayo, okanye ibange nto. Olona loncedo luphambili ke ngoko lubhetyebhetye. Oku kusinika amandla okujongana, umzekelo, neentlawulo ezingalindelekanga.

Kwakhona, umthengi uza kuhlawula inzala kuphela kwimali leyo ubange ngokufanelekileyo, nangona ikhomishini iqhele ukubizwa imali eseleyo ongakhange uyifumane Yiyo loo nto, njengoko imali ebifunyenwe ibuyiselwa kubo, umthengi uya kuba nakho ukufumana okungakumbi, ngalo lonke ixesha engadluli kumda ekuvunyelwene ngawo.

Njengemali mboleko, iikhredithi zinikezelwa kangangexesha elithile, Kodwa ngokungafaniyo nenye indlela, ekupheleni kwexesha inokuhlaziywa okanye yandiswe ngokuxhomekeke kwiimfuno zomntu ngamnye. Ngale ndlela, iikhredithi zezona ndlela zilungileyo zokugubungela umsantsa ophakathi kwengqokelela nentlawulo yeenkampani zemali. Zisetyenziswa ngokubanzi, ngakumbi zii-SMEs, kwaye kukho iindlela ngeendlela, ezinje ngemalimboleko ene-dicom.

Ukutsalwa kwemali eyahlukeneyo kwiikhredithi nakwimali mboleko

Ikhredithi inxulunyaniswa ne khangela iakhawunti, ngemali ekuvunyelwene ngayo ekhoyo. Kule akhawunti yokujonga kunokwenzeka ukukhupha okanye ukufaka imali, ukuze ibhalansi yayo ibe sisikweliti okanye umntu onetyala (endaweni yethu okanye ngokuchasene nayo).

Kwimali mboleko, ibhanki isishiya nesixa, esingena kwiakhawunti yethu kwaye sinayo ngokupheleleyo, nangona kunjalo ikhredithi ibhetyebhetye ngakumbi kuba ubonelelo lwemali kunye nembuyekezo yabo zisengqiqweni yethu.

Lo nto, ukuhamba kwemali apho iikhredithi kunye neemali mboleko kufuneka ziphendule zahlukile ngokwahlukeneyo.

Umahluko wexesha phakathi kwamatyala kunye nemali mboleko

El ityala lihlala ixesha elifutshane, ngokubanzi ingaphantsi konyaka, nangona kunjalo imali mboleko yobuqu ihlala inexesha eliphakathi kwama-24 nama-60 ngenyanga. Ewe kunjalo, kwimali mboleko yobambiso, ixesha linokufikelela kwiminyaka engamashumi amathathu okanye amane.

Ixesha elinokuthi libe luncedo lokwahlula phakathi kweekhredithi kunye nemali mboleko.

Omnye umahluko obalulekileyo phakathi kwe- iikhredithi kunye nemali mboleko yindlela ebalwa ngayo inzala. Ukubalwa kwenzala kwahlukile, ukuze kwimali mboleko zibalwe ekuqaleni kwaye zongezwe ngezavenge esizibhatalayo. Kwicala layo, kwimeko yekhredithi, ziya kubalwa ngokusekwe kwimali esiyenzayo, nangona kufanele kuqatshelwe ukuba kule misebenzi iibhanki zisibiza imali encinci, ukuba ikapitali ingatsalwa.

Inzala kwimeko yekhredithi ihlala iphezulu kunaleyo yemali mboleko, kodwa njengoko bekutshiwo ngaphambili, siyakuhlawula kuphela isixa esisisebenzisileyo.

Ukulungiselela ukusetyenziswa kweekhredithi kunye neemali mboleko

Ityala yifomula efanelekileyo Ukugubungela imeko yokuhamba kwemali, basishiyela imali ngexesha apho sinqongophele khona, kodwa kulindeleke ukuba oku kutshintshe ngexeshana elifutshane, ukuze ukucinywa ngokupheleleyo kuvunyelwe kwangoko, ngaphandle kwasohlwayo. Olu hlobo lomsebenzi lubonakalisiwe kwiinkampani, iingcali okanye ulawulo loluntu, ngokuhamba kwemali, ukuhamba kwemali okuguquguqukayo.

Imali-mboleko ilunge ngakumbi kubantu abanemivuzo emiselweyo, abo kulula kubo ukuvumelana ngezavenge zenyanga zonke abanokumelana nazo ngaphandle kwengxaki ezinkulu.

Kunye ne iikhredithi zemveli kunye neemali mboleko Sifumene kwimarike imveliso entsha, eyaziwa njengemali mboleko okanye ikhredithi kanondyebo, ethi, ngokusisiseko ibe ngumgaqo-nkqubo wokuthenga ngetyala kwaye isebenze njengayo, ivumela ukwenziwa kweentlawulo zanyanga zonke, kwisixa ekuvunyelwene ngaso ngaphambili, esivumela ukuba ekuphelisweni Umgaqo-nkqubo, ukugqitywa, imali eyinkunzi incinci kwaye ke kulula ukuyibuyisa.

Ityala elingcono okanye ukuhlawula kakuhle?

Umahluko ubaluleke kakhulu xa kufikwa ekukhetheni ikhadi, kuba kule mihla iintlawulo azenziwa ngemali ezinkozo njengoko bekwenziwe kwilixa elidlulileyo, namhlanje sinayo ukhetho lwemali ye-elektroniki, kwaye oku kuza nobunzima obuqhelekileyo kunye namathandabuzo avela kwezinye iindlela ezahlukeneyo esinazo, ezinjengokuba ikhadi lamatyala okanye ikhadi lebhanki libhetele.

Kumakhadi etyala, intlawulo yamkelwe kuphela ukuba unemali eseleyo kwiakhawunti yakho, ngamafutshane, awungekhe uchithe ngaphezulu kunoko unakho. Kananjalo, kwiimeko zamatyala akukho mfuneko yokuba nemali ngelo xesha, kodwa ibhanki iqhubela phambili imali ukuya kuthi ga kumda wenyanga kwaye ikuvumela ukuba uhlawule isixa esiqokelelweyo senyanga nganye okanye usirhoxise kwiinyanga ezininzi kodwa ngoku inzala ephezulu.

Ukuba ukhetha ukuhlehlisa ukuhlawula iinyanga ezininzi Kuya kufuneka uthathele ingqalelo ukuba amakhadi etyala akalawulwa angaba yingozi, kuba kuya kufuneka uhlawule xa ufikelela kwiakhawunti yakho. Ukuba uyaphoswa ziintlawulo, ungaqhubeka ukuba namatyala ixesha elide, kwaye kunokuba nzima kakhulu ukuphuma ematyaleni.

Ukuba ukhetha ukuhlawula ekupheleni kwenyanga, ikhadi lakho letyala Isebenza njengekhadi lokutsala kodwa ngoncedo lokuba iyakwamkela ukuthengiselana okungamkelekanga ngekhadi ledebhithi. Umzekelo, ukuba kufuneka uqeshe imoto kufuneka usebenzise ikhadi lekhredithi.

Mhlawumbi elona khetho lilungileyo kukufumana ikhadi lebhanki kunye nekhadi letyala apho ubeke umda ngokwendlela onokuhlawula ngayo ngaphandle kwengxaki ekupheleni kwenyanga.

Ke khumbula ukuba ekugqibeleni uthatha isigqibo sokuba yeyiphi eyona nto ilungele wena ngalo mzuzu, khumbula nje izibonelelo ezikunika zona. uhlobo lwekhadi Kwaye uthathe ingqalelo yokuba ukuba uza kuba nekhadi ledebhithi kwaye ungazilawuli iindleko zakho, unokuhlala usematyaleni ixesha elide, kwaye ukhumbule ukuba ngekhadi ledebhithi awuyi kuba nakho ukwenza intlawulo ngalo. Kuyimfuneko ukuba unike ikhadi lakho iinkcukacha zekhredithi.