Enye yeendlela zokutyala imali kwixesha eliphakathi nelide kukwenziwa kweprojekthi eyenziwa ngoosomashishini. Apho unokufumana khona umbono wokuphuhlisa inkampani yakho. Ayisiyiyo kuphela ngombono wokufumana buyela kulondolozo lwakho, kodwa ukwanelisa iminqweno yakho yobuqu neyeengcali. Nangona kunjalo, unengxaki yokuba uya kufuna ukubonwa kwemali kwiakhawunti yakho yokujonga ukuze uphuhlise projekthi.
Ukujongana nale ngxaki, esona sisombululo siphambili kukufumana imali yabucala kwiibhanki, amaziko emboleko kunye nokulingana iiplani ze-intanethi. Ngale mijelo yenkxaso-mali uya kuba nezixhobo eziyimfuneko zemali zokwenza inkohliso ngokwenza iprojekthi yakudala obukade uyicinga iminyaka ethile.
Eli nyathelo lakho lobuqu liya kukuvumela ukuba ube yinkosi yesiphelo sakho. Kodwa okubaluleke ngakumbi, ukukwazi ukufikelela phezulu kakhulu. Ukuba yonke into ikhula ngokuchanekileyo, uya kuba kwimeko yokufumana inzuzo eyinkunzi iminyaka embalwa. Njengomvuzo womzamo wakho. Ngaphezulu kokusebenza onokuthi uvelise ngaphezulu okanye ngaphantsi utyalo-mali lwemveli. Zombini kumvuzo oguqukayo (ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, iimali zotyalo-mali, izinyithi ezixabisekileyo, njl. Njl.) Okanye ezisisigxina (iidipozithi zexesha, amanqaku ezithembiso zebhanki okanye ityala loluntu, phakathi kwezinye izindululo).
Iimfuneko zoosomashishini
Umoya wokurhweba waseSpain usasebenza emva kweziphumo zobunzima bezoqoqosho. Oku kucacile kwidatha ebonelelwe yiNgxelo ye-GEM yeHlabathi (i-Global Entrepreneurship Monitor) ehambelana nonyaka-mali ka-2015, obonisa ukuba eli candelo leshishini ikhule yaya kwi-5,7% ngeli xesha. Amandla obunkokeli, ulwazi okanye umnqweno wokufezekisa iinjongo ezithile kwimisebenzi yabo yobungcali zezinye zeempawu ezibonakalisa amalungu alo.
Ngaphandle kwayo yonke into, imeko yemali iyaqhubeka nokwenza isigqibo sokunyusa, ukugcina kunye nokwandisa imigca yeshishini. Ukuxhaswa ngezimali kweeprojekthi zezinye zezinto ezibakhathaza kakhulu, ziyinxalenye ebaluleke kakhulu yale nkqubo. Akumangalisi ukuba enye yeendlela zakho zokuqala kufuneka isekwe kwezona mfuno zakho zokwenyani kunye nemithombo yolwazi efumaneka ngalo lonke ixesha ukubamba izibonelelo zemali ukuchaza izicwangciso zakho zeshishini.
Ukusuka kule meko ngokubanzi, enye yeenjongo zayo eziphambili ine- ukubona imithombo yenkxaso-mali apho kufuneka baye kwaye ingakanani imali abanokufumana ngayo. Okwangoku, iimali mboleko zabucala zezona ndlela zibalulekileyo zokufumana ukuthengiswa kwintengiso yezemali. Ihamba ikakhulu kwizindululo eziye zaphuhliswa ziibhanki, kodwa kwanakwimigca esemthethweni eyenzelwe ngokukodwa oosomashishini, kunye noosomashishini ngokubanzi.
Ngokumalunga neyangaphambili, ukubambezeleka okuthile kuye kwaqwalaselwa ukukhuthaza lo msebenzi wobungcali. Izindululo zingaphantsi kweminyaka nje embalwa edlulileyo, nangona phantsi kweemeko ezikhuphisanayo ngenxa yexabiso eliphantsi lemali ngabasemagunyeni bemali yoluntu. Kwaye oko kukhokelele ekubeni ixabiso layo lingabikho, kwi-0%. Nangona kunjalo, kusekho iimodeli ezininzi ezinokuthi zibhaliswe ngabamkeli bakho, phantsi kweefomathi ezahlukeneyo ezibanika ukuguquguquka okukhulu kwimfuno.
Ezona mboleko zibalaseleyo
Ngaphakathi kunikezelo lwasebhankini lwangoku olunikezela ngetyala koosomashishini, kungafunyanwa imigca emininzi yekhredithi, ethi, ngelixa igcina imigca yorhwebo efanayo phakathi kwabo, ibonise into engaqhelekanga yokwenza umdla kuphuhliso lwenkampani. Nokuba indleko yokuqesha ezinye iimveliso ezinxulunyaniswe necandelo loshishino. Ngayiphi na imeko, ukufikelela Imigca yetyala ukuya kuthi ga kwi-100.000 euro yinto yokwenene.
ICaja España-Duero ivula iMali mboleko yeNkampani, imali mboleko yobuqu ukuze oosomashishini abancinci Ukuxhasa ngemali iiprojekthi zakho. Esi siphakamiso sinikezela ukuya kuthi ga kwi-80% yotyalo-mali, iseti ephezulu ibekwe kwi-18.000 euro. Elinye igalelo lalo kukuba inexesha lokuhlawula ukuya kuthi ga kwiminyaka emi-5. Kwaye njengento enqabileyo ngokubhekisele kwezinye iimodeli zenkxaso-mali, ukubanakho ukunciphisa intlawulo yakho yanyanga zonke ngokwenza ezinye iimveliso zijolise ikakhulu kwaba bathengi (ikhadi leshishini, i-inshurensi yorhwebo, icebo lomhlala phantsi, njl.).
Imali-mboleko yoShishino yimpendulo athe uBanco Sabadell wayinika ukuhlangabezana neemfuno zelaphu lemveliso yelizwe. Inika iimeko ezizodwa, ukuzisebenzisela iiprojekthi zokuzenzela, okanye ukuba banqwenela ukwandisa ishishini labo phesheya. Ukwenza oku, bandise inkxaso-mali yabo kutyalo-mali lulonke. Ngexesha eliphezulu lokubuya kwayo kweminyaka emi-5, kodwa ngoncedo lokuba abanini bayo bakwisikhundla sokukhetha i ixesha lobabalo elifikelela kwiinyanga ezili-12.
Ngaphantsi kwegama likaCrédito Negocios 10, i-ING Direct ithengise imveliso entsha eyayisungule kwintengiso, nebalaseleyo kuba ikhontrakthi yayo ikwi-Intanethi kuphela. Ivelisa incam yokuguquguquka okuguquguqukayo kakhulu phakathi kwe-3.000 kunye nama-100.000 euros, apho inqanaba lenzala liya kulungelelaniswa nomsebenzi weshishini. Inika kuphela ikhomishini, evulayo, eyi-1%, kwaye iya kusetyenziswa ngalo mzuzu kanye wokumiselwa ngokusemthethweni. Ukuthatha eli linge lokugcina imali, akuyi kuba yimfuneko ukubonisa iziqinisekiso, njengoko kunjalo nakwezinye iimali-mboleko ezifanayo, kodwa kuya kwanela ukuba abafaki-zicelo babe neAkhawunti yeShishini abayikhuthazayo kweli ziko.
ICaja de Ingenieros ivelisa enye indlela enokuthi ibhaliswe nguye nawuphi na usomashishini. Ngokusebenzisa iMali-mboleko yoTyalo-mali, ebonelela ukuya kuthi ga kwi-100.000 euros, kunye nokunyusa ixesha lokuhlawula ukuya kuthi ga kwiminyaka eli-10, kunye nokukhetha ukwamkela ithuba leminyaka emibini yobabalo. Ukwamkelwa kwayo kuthetha ukuhlawulwa kwenzala emiselweyo ukusuka kwi-6,65%. Kongezwe kuyo ikhomishini yokuvula ukusuka kwi-1,25%.
Izimali ezisemthethweni, ukhuphiswano ngakumbi
Esinye isisombululo esahluke kakhulu, kwaye sibaluleke ngakumbi ngenxa yeemeko ezikhethekileyo zesivumelwano, yile Umgca we-ICO woosomashishini Esasebenza nangoku kude kube ngu-Novemba 9, 2016, kwaye enokuthi yenziwe ngokusesikweni kumashishini aphambili ebhanki. Ihlawulela lonke utyalomali olwenziwe kummandla wesizwe, kwiprojekthi yotyalo-mali iyonke. Ngesixa-mali esiphezulu esifikelela kwi-12,5 yezigidi ze-euro, kwinto enye okanye engaphezulu, kwaye yintoni eyahlukileyo kwezinye iifomathi kuba inokwenziwa ngokusesikweni, nokuba ikwimo yekhredithi, okanye kuqeshiso (isivumelwano sengqeshiso semali).
Abafakizicelo bayo banokukhetha ixesha lokusebenza kwabo, ukusukela kunyaka omnye, ukuya kuthi ga kwi-20 ephezulu, enokubandakanya ixesha elinye okanye amabini obabalo. Kuxhomekeka kwezi zinto zixabisekileyo, inqanaba lenzala, elisisigxina okanye eliguqukayo, liyahluka kokwahluka kwe-ICO + 2,30% ngokona kukhawuleza (unyaka omnye), ukuya kwi-4,30% eya kuthi ivelise ezona zinabileyo, ngaphezulu kweminyaka emine.
Kuya kufuneka uyazi ...
Ayizukufuna kuphela ukuba nezixhobo eziyimfuneko zemali ukuzisa iprojekthi yakho yobungcali. Ewe akunjalo, udinga ezinye izinto kwaye ubaluleke kakhulu. Ukuba unolu luvo ukhulelwe njengotyalo mali ixesha elide lijoliswe, ngekhe ubenayo enye indlela ngaphandle kokwazi kubunzulu bendawo yentengiso apho uza kungena khona ukusukela ngoku. Kuya kufuneka uyazi, kwaye unonxibelelwano olwaneleyo kwicandelo. Iya kukunceda ngakumbi ekuqaleni, kwelona xesha linzima kule projekthi.
Kuya kufuneka ube une Iqela elifanelekileyo labacebisi Isikhokelo sokuqalisa ishishini lakho. Iya kuba yindawo yakho yenkxaso yokujikeleza imiqobo emininzi oya kuyifumana kwasekuqaleni. Iya kuba mininzi kunokuba ubucebe kwasekuqaleni. Ngenxa yoku, kuyakufuneka kakhulu ukuba ungazifumani uwedwa kweli nqanaba lobomi. Kwimeko nayiphi na into, zijikeleze nabantu abaqeqeshwe kakhulu abathembekileyo ngokupheleleyo. Iya kuba linyathelo elibaluleke kakhulu oya kuthi ulithathe njengosomashishini.
Ungalibali ukuba kutyalo-mali lokuqala oza kujongana nalo, kuya kufuneka ugcine iingqondo ezininzi engqondweni. Izakhiwo, abasebenzi, izinto eziphathekayo, iindleko zolawulo, njl. Ayothusi into yokuba kuya kufuneka uhlawule utyalomali olubalulekileyo ngokuxhomekeke kwimodeli yeshishini ofuna ukuyiphuhlisa. Musa ukungxama ukwenza inzuzo ngokukhawuleza okukhulu. Isenokuba yinto ephazamisayo enokonakalisa iminqweno yakho. Kungcono ukuba ugxile, ngokuchaseneyo, ekubekeni iziseko eziqinileyo kwiprojekthi yakho yoshishino.
Ezinye iingcebiso kubatyali mali
Ukuthatha ayisiyondlela ilula njengoko kufuna ukuzinikela ngokupheleleyo ekugxileni kwimisebenzi yakho yobungcali. Ngayiphi na imeko, uya kuba noluhlu lweengcebiso ezilula ezinokufika ngokufanelekileyo ukufeza iinjongo ezifunekayo. Ezinye zazo ziya kuba zezi zilandelayo siya kubhenca.
- Unokukhetha imali ekhuphisana kakhulu ngenxa ye- umnikelo omkhulu weemveliso yezi mpawu zithengiswa ngamashishini ebhanki. Uya kuba kwimeko yokugcina i-euro ezininzi ukuba ukhetha owona mgca wekhredithi.
- Kuya kufuneka ube unayo izimvo ezicace gca malunga nento ofuna ukuyiphumeza nalapho ufuna ukuya khona. Kuya kukunceda ucacise uninzi lwamathandabuzo onawo kude kube lelo xesha.
- Akufanele uyithathe njengotyalo mali olusulungekileyo nolulula, kodwa njenge inyathelo lakho ofuna ukuyiphumeza. Ngaphandle kweminye imiphumo.
- Akufanelekanga ungazami konke Ukuba ufuna imbuyekezo kwiseve zakho zivele kungekudala. Ukuya kwinqanaba lokuba kuya kufuneka uchithe iiyure ezininzi ngosuku ukuphakamisa eli nyathelo lakho.
- Ngaphambi kokuba ufumane izibonelelo, awuzukukhetha kodwa Hlela zonke iindleko ukuba wenze. Iya kuba yinkqubo enokuhlala iminyaka eliqela.