Enye yemigaqo yezoqoqosho omele uyazi, ngakumbi Ukuba inkampani yakho izinikele ekuthumeleni kumazwe angaphandle, oko kukufeyitha. Obu bubuchule obusetyenziselwa ukufumana inkxaso-mali.
Kodwa yintoni kanye kanye i-ski pass? Ingaba isebenza kanjani? Ngaba ineenzuzo kunye neengxaki zayo? Konke oku sifuna ukuthetha nawe ngezantsi. Jonga isikhokelo esikulungiselele sona ukuze ube nokuqonda ngcono ingqikelelo.
Yintoni i-ski pass
Masiqale ngokuchaza i-ski pass. Njengoko besinixelele ngaphambili, Bubuchule bokuxhasa ngemali obusetyenziswa kwiinkampani ezithumela ngaphandle. Ngoku, oku kubandakanya ukuba nesaphulelo kwibhanki (ebizwa ngokuba yi-forfaiter) yentlawulo (yempahla ethunyelwa ngaphandle).
Ngamanye amazwi, inkampani yokuthumela ngaphandle inika ibhanki ibhilikhwe yokutshintshiselana, i-promissory note, isheke, i-documentary credit ... ngokutshintshela ukufumana loo mali ngaphambi komhla osungulwe ukuyiqokelela.
Ngokomzekelo, Khawucinge ukuba unenkampani yokuthumela ngaphandle. Usanda kwenza enye kodwa abakuniki mali kangangeentsuku ezingama-180. Kwaye ufuna imali ngoku.
Ngoko uya ebhankini kunye nolo xwebhu ukuze bathathe uxanduva lokuqokelela olo xwebhu kwaye bakunike loo mali kwangaphambili (enyanisweni, baya kukunika ngaphantsi).
Kwaye kurhwebo lwamazwe ngamazwe, amaxesha entlawulo akakhawulezi Kodwa kuthatha phakathi kweentsuku ezingama-90 kunye ne-180 ukuhlawulwa ngomsebenzi, nto leyo ethetha ukuba iinkampani zithatha umngcipheko wokuba ziyahlawulwa okanye azihlawulwa emva kwelo xesha.
Isebenza njani ipasi yokutyibiliza
Ngoku ekubeni ucacile malunga nokuba yintoni i-ski pass, mhlawumbi unombono ongcono wendlela esebenza ngayo. Kodwa, Ukuyenza icace kuwe, nanga amanyathelo:
Inkampani yokuthumela ngaphandle yenza umsebenzi (ukuthumela ngaphandle) ehlawulwa ngawo.
Nangona kunjalo, loo ntlawulo, enokuthi ibe ngetyala lamaxwebhu, itshekhi, inqaku lesithembiso... Ayizi kuqokelelwa ngokukhawuleza, kodwa ngokuqinisekileyo iya kuba nomhla wokuqokelela phakathi kwe-90 kunye ne-180 yeentsuku.
Okwangoku, inkampani kufuneka iqhubeke isebenza ngaphandle kokwazi ukuba emva kwelo xesha iya kuhlawulwa okanye hayi.
Kodwa, xa ufaka isicelo sokuncama unokukhetha ukuya ebhankini uyokunikezela ngoxwebhu lwengqokelela onalo ukuze ufumane imali yokuhlawula amatyala kwangoko.
Ukuba ibhanki iyayamkela, uya kuhlawulwa ngaphandle kokulinda, kwaye iya kuba yibhanki ekufuneka ilinde ixesha eliseleyo ukuqokelela olo xwebhu.
Ukuba ibhanki ayivumi (into enokuthi yenzeke), ngoko kuya kufuneka ulinde umhla wokukwazi ukuqokelela.
Ngubani oyinxalenye yokudlula ekhephini
Xa utyando lwe-forfaiting lwenziwa, kukho amaqela amaninzi ekufuneka athathelwe ingqalelo. Ngokukodwa, oku kulandelayo:
- Umthumeli ngaphandle. Okanye inkampani yokuthumela ngaphandle. Ngumntu owenze umsebenzi kwaye ngenxa yeso sizathu uhlawulwa ngoxwebhu olumisela ixesha elimele lidlule ukuze lihlawulwe.
- Umrhwebi. Inkampani enekhontrakthi yeenkonzo zomthengisi ngaphandle kwaye ifumana iimpahla kunye neenkonzo. Ukutshintshana, umnika uxwebhu lokuhlawula umsebenzi owenziweyo.
- Iqumrhu lezemali. Iya kuba yibhanki eya kuthatha uxanduva lolo xwebhu, ngendlela eya kuthi ibe ngumthumeli ngaphandle kwaye ibe yiyo eqokelela ityala umthengisi analo. Utshintshiselwano, ibhanki iqhubela phambili loo mali kumthengisi wokwenyani.
- Umqinisekisi. Ngamanye amaxesha, ngakumbi kwiimeko apho umngcipheko uphezulu, kukho imali eninzi esemngciphekweni, okanye kukho ezinye iingxaki, unokucelwa ukuba ube ne-guarantor, oko kukuthi, umntu wesithathu, okanye inkampani, ukuba iqinisekise intlawulo. kwimeko yokuba umrhwebi akahlawuli.
Ngokubanzi, ngamanani amathathu okuqala adla ngokusebenza kumaxesha amaninzi. Okwesine kwenzeka kuphela kwiimeko ezikhethekileyo.
Kufuneka ubhenele nini kwi-ski pass?
Nangona ngoku ubona obu buchule njengenye yezona zinto zibalaseleyo kwiinkampani ezithumela ngaphandle, ngakumbi kwimeko yokuqokelela, Inyaniso kukuba ayizizo zonke ezi nkampani ezizimisele ukuyisebenzisa.
Kwaye, nangona ineenzuzo ezininzi, kukho nezithintelo ezenza iinkampani zingavumi ukuyisebenzisa (okanye zenze oko njengomlinganiselo wokugqibela).
Ngokubanzi, Eli nani linconywa kuphela xa inkampani ifuna imali yokuhlawula amatyala ngokukhawuleza kwaye awukwazi ukuqhubeka usebenza ukuba awunayo loo mali yokwenza oko. Ngaphandle koko, kungcono ukulinda ixesha elivunyelwene ngalo kuxwebhu lokuqokelela ngenxa yezizathu ezininzi.
Izinto eziluncedo kunye nezingeloncedo kwi-ski pass
Uyalikhumbula icandelo elingaphambili? Ayikhuthazwa ukusebenzisa i-forfaiting ngokuqhubekayo kwiinkampani ezithumela ngaphandle. Kwaye oku kungenxa yokuba, nangona ineenzuzo ezininzi, zimbini iingongoma eziphambili ezenza ukuba ingabonwa kakuhle.
Kulo lonke eli nqaku uye wakwazi ukubona iingenelo eziphambili ze-ski pass, ezifana:
- Ukuba nokwenzeka kokuba nemali yokuhlawula amatyala ngokukhawuleza. Enyanisweni phantse ngoko nangoko ukususela ebhankini phambi kokuba amkele izifundo ityala ukwazi ukuba umngcipheko ukuba banokucinga okanye hayi.
- Inkxaso-mali yolu tyando ifunyenwe, nto leyo inceda ukuphepha ukucela iikhredithi okanye iimali-mboleko.
- Iinkampani azinakuba nomthwalo wemali.
- Ngaphaya koko, kwinqanaba lolawulo akuyi kubakho mfuneko yokuba kubekwe iliso kwingqokelela.
Kodwa inyaniso yileyo Kukho imiba emibini engalunganga.
Eyokuqala kubo inento yokwenza neekhomishini kunye neendleko ezibandakanya iibhanki xa zithatha uxanduva lwala maxwebhu okuqokelela. Oko kukuthi, ekugqibeleni ufumana imali encinci kunento ehambelana nayo.
Eyesibini inento yokwenza nokuthatha imingcipheko yokungahlawuli. Ukuba inkampani ayikwenzi oko, iindleko zenkxaso-mali zibiza kakhulu kwaye azinakuhlawula.
Njengoko ubona, ukuncama yindlela enomdla kakhulu, kodwa ngamanye amaxesha ayisebenzi kwiinkampani. Ngaba ukhe wambona? Ubuya kwenza ntoni ukuba unoxwebhu lwetyala kangangeentsuku ezininzi kwaye ngelixa kufuneka usebenze ngaphandle kwentlawulo?