Uthini umgaqo-nkqubo wamatyala?

Imigaqo-nkqubo yemboleko yimveliso yezemali ukuba iinkampani ngoku zisebenzisa kakubi kakhulu, kuba kucingelwa ukuba zixhasa iifomula ezinokusetyenziswa rhoqo xa ziyinyani kuphela Kufuneka zisetyenziswe ngamaxesha athile ukukhulula inkampani kunye ne-capitalisation yayo.

Uthini umgaqo-nkqubo wamatyala kwaye wenziwe ngantoni

Umgaqo-nkqubo wamatyala uyimveliso echasene ngokupheleleyo neeakhawunti zangoku esiqhelene nazo, ezisetyenziswa ngabantu. Imigaqo-nkqubo isinika ithuba lokuhlawula ityala okanye ukubanalo ngokuxhomekeke kwinto esiyifunayo mihla le. Ungayisebenzisa imigaqo-nkqubo yokuthenga ngetyala xa ujonga iiakhawunti, kodwa ezi ziya kuhlala zibonisa ukungalingani kwemali ebhankini, nangona eyokugqibela ixhomekeke kuhlobo lweakhawunti ongene kuyo.

Zeziphi izinto eziphambili zomgaqo-nkqubo wekhredithi

• Imali ekhoyo okanye umda. Lixabiso esinokuba nalo kumgaqo-nkqubo othi emva koko ube lelona xabiso liphezulu lekhredithi efanayo.
• Umhla wokuphila. Yonke imigaqo-nkqubo yemboleko ikhontrakthi ngexesha elithile. Kwiimeko ezininzi, eli xesha aligqithi kunyaka omnye, nangona inkampani ibeka iimeko ezintle, ixesha elide kunokuxoxiswana ngalo ukuze umgaqo-nkqubo wokuthenga ngetyala uhlale usebenza, kwaye kwimeko leyo uhlaziyo lwayo lonyaka.
• Iikhomishini kunye namaxabiso enzala asebenza kwimigaqo-nkqubo. Kuba umgaqo-nkqubo yimveliso yezemali, kuzo zonke iimeko kuya kubakho iindleko zeekhomishini kunye nomdla. Nangona iyimveliso yezemali egxile kwiinkampani nakwabasebenza ngokukhululekileyo, iikhomishini zayo kunye nomdla zihlala ziphezulu.
• Umgaqo-nkqubo eYimveliso efumaneka ngokuzithandela kunye nomda ophezulu oguquguqukayo. Khumbula ukuba banomhla wokuphelelwa lixesha obukade uvumile ngalo.
  Zibalwa njani iikhomishini kwimigaqo-nkqubo

Xa kuziwa ekubaleni iimeko zomgaqo-nkqubo kukho ibhetshi enkulu apho iintlobo ezahlukeneyo zekhomishini zinikezelwa ukuba zihlawulwe.

Ezona khomishini zixhaphakileyo okanye zingatshintshiyo

Ikhomishini yokuvula

Olu hlobo lwekhomishini luhlawuliswa ekuqaleni kwekhontrakthi yemveliso yezemali. Ixabiso lenzala linikwa ngokusekwe kumyinge opheleleyo wekhredithi ekhoyo; Nangona kunjalo, iqondo lenzala alidluli kwi-2% yetotali, kuxhomekeke kubungakanani obuceliweyo kunye neemeko ekuvunyelwene ngazo. Oku kuyahluka ngokuxhomekeke kwiziko elicelwa kulo nakwimida yomgaqo-nkqubo.

Ikhomishini yokufumaneka

Le khomishini ihlawuliswa ngokwexabiso lemali esinokuba nalo xa siza kuhlawula inzala. Olu hlobo lwekhomishini lusezantsi, kuba ngokwesiqhelo alugqithi kwi-0,1% yenkunzi esinayo kumgaqo-nkqubo wethu. Umahluko kukuba yikhomishini yokuqokelela yenyanga okanye yekota yenkunzi ekhoyo.

Inzala ibhalansi etsaliwe.

Eli lizinga lenzala elihlawulwa kwimali eseleyo efumanekayo. Ukuze ubale eli nqanaba lenzala ngendlela echanekileyo, kufuneka yenziwe ngendlela yehamburger, enye yezona zisetyenziswa kakhulu ukusukela ukuba intshukumo nganye yomgaqo-nkqubo ibonwa njengokuchithwa okanye ukurhoxiswa okufanayo.

Inzala ibhalansi engafakwanga.

Eli nqanaba lenzala lisetyenziswa kwiindidi zomgaqo-nkqubo apho izixa zemali bezingasetyenziswanga ngexesha elithile ekufuneka ihlawulwe ngalo inzala. I-% isezantsi kakhulu.

Inzala igqithile

Xa sine umgaqo-nkqubo wekhredithi kodwa sidlula isixa ekuvunyelwene ngaso, kuya kufuneka sihlawule uhlobo lwekhomishini ngokugqitha. Olu hlobo lwekhomishini yenye yezona zinto zihlawuliswe kakhulu kwimigaqo-nkqubo yamatyala, kuba inzala ikongezwa kulibaziseko. Nangona into yesiqhelo kukuba iziko alisivumeli ukuba sidlule kumda ekuvunyelwene ngawo kwaye sifrize amalungiselelo aphezulu.

Ithetha ukuthini yonke lento

Iindleko zomgaqo-nkqubo weentengo zemboleko kubaluleke kakhulu ukuba zinokuchaphazela iinkampani ezingenayo i-solvency eyaneleyo. Ngexesha ngalinye, zininzi izinto ekufuneka zithathelwe ingqalelo ukuze ukwazi ukulungisa imisebenzi.

Ezinye iikati ezinokusinika olu hlobo lomgaqo-nkqubo ziindleko ezinxulumene noko. Ezi kati ke zezo ziveliswe kulo naluphi na uhlobo lwenkqubo kunye neebhanki kwaye zinokuba yinkcitho kubaqinisekisi, imigaqo-nkqubo eyongezelelweyo yeinshurensi yeziko okanye inkcitho ye-notarial.

Kuzo zonke iikati, ingongeza ukuya kuthi ga kwi-5 okanye kwi-6% yomgaqo-nkqubo opheleleyo esiya kuthi ekugqibeleni sihlawule.

Umgaqo-nkqubo wetyala kufuneka usetyenziswe njani

Akufanele usebenzise umgaqo-nkqubo wekhredithi uku:

Njengoko sikuxelele ekuqaleni, ezi ntlobo zemigaqo-nkqubo zisetyenziswa kakubi ziinkampani ezininzi, kuba akufuneki zisetyenziswe rhoqo, kodwa ngamaxesha athile xa zifuneka, nangona kunjalo, eyona nto inzima kukwazi ukuba siza kuzifuna nini. Xa ulwelo lukhona kwaye uqoqosho lwenkampani lukhululekile, ukuba sisebenzisa umgaqo-nkqubo wetyala, olu hlobo lwemveliso lusetyenziswa gwenxa kuba akukho mfuneko yokwenza imali eninzi kwinkampani kwaye sivelisa iindleko kuphela.

Ezi ntlobo zemigaqo-nkqubo akufuneki zisetyenziselwe ukufumana iimveliso ezinzileyo okanye imali ehambisekayo.. Oko kukuthi, akufuneki isetyenziselwe ukuthenga imoto kwaye ungathengi umatshini kwinkampani, kuba kwezi meko, into ekucetyiswayo luhlobo lwetyala elithe ngqo elibonelela ngezibonelelo ezilungileyo kule meko.

Akufuneki ukuba bacelwe ukuba baxhase ngemali iimfuno ezinokubakho kwinqanaba lezemali. Akufanele zisetyenziselwe ukuhamba kwemali okungalunganga. Ukuhamba kwemali okungalunganga kwenzeka xa inkampani iqokelela ukuthengisa kwayo ixesha elide emva kokuhlawula abathengisi kunye nezinye iindleko.

Xa inkampani intsha okanye ikhula, ukuhamba kwemali Iya kuhlala ingalunganga kwaye kwiimeko ezininzi ngokungenammiselo, njalo Kuya kufuneka zisonjululwe ngemali yabo kwaye bangaze babhenele kwiimveliso zemali loo nto inokusifaka ematyaleni ngaphezulu.

Kwaye mazingasetyenziswa olu hlobo lwemigaqo-nkqubo ukusombulula ukungagqibeki kwabaxhasi. Kuyafana nakwimeko yangaphambili, ayikokuphuma kwelinye ityala kodwa kungena kwelinye.

Kuya kufuneka usebenzise umgaqo-nkqubo wokuthenga ngetyala:

Ezi ntlobo zemigaqo-nkqubo kufuneka zisetyenziswe kwingxowa mali kuphela xa kukho iimfuno ezithile. Xa siqaphela ukuba intengiso ihambile kodwa kuqikelelwa ukuba iyakusebenza. Ngokucacileyo, de ibe igqityiwe intlawulo, i-VAT kunye neerhafu kuya kufuneka zihlawulwe. Apha, umgaqo-nkqubo unokusetyenziselwa ukuphucula ukusilela kwexesha.

Imfuno ethile kaNondyebo, ukuba nje iyafika ngexesha. Umzekelo, ndenza intengiso emiselweyo yokuthengisa isixa esikhulu sonyaka omnye kwaye ndiza kulanda inyanga nenyanga. Kude kube kugqityiwe ukuqokelelwa, kuyakufuneka ndihlawule i-VAT kunye nerhafu yomdibaniselwano, ke ndiyakudinga ngokuyinxalenye indawo yokugcina imali. Kule meko, umgaqo-nkqubo unokusetyenziswa, kodwa ukujongana nalo msantsa wemali wethutyana.

Isizathu sokuba le mveliso isetyenziswe phantse ngokungalawulekiyo kwiminyaka yakutshanje kungenxa yokuba isetyenziswe kakhulu ngexesha lokwandiswa apho iinkampani ezininzi zangena engxakini.

Ngaba umgaqo-nkqubo wekhredithi lolona khetho lufanelekileyo?

Le migaqo-nkqubo inezibonelelo ezininzi:

• Enye yeyokuqala kukuba inokugubungela naluphi na uhlobo lwesidingo esithile kwiindleko ezingekho phezulu kangangokuba xa sicela ikhredithi yobuqu okanye sishiya iakhawunti ilungile.
• Kwimigaqo-nkqubo yekhredithi akukho ngxaki zamatyala, kuba awunamda uphezulu wemali oza kuyisebenzisa.
• Ngaphambi kokuba isinike umgaqo-nkqubo wekhredithi, ibhanki iya kufunda inkampani yethu ukuze ibone ukuba loluphi uhlobo lwekhomishini abasinike yona kwaye ukuba sinesiqinisekiso esaneleyo ngayo.
• Kukho enye indlela ephathwa njenge "ngetyala ngaphandle kwenzala" nangona kunjalo uhlawula kuphela ikapitali onayo kunye nezinye iikhomishini ezincinci.
• Imisebenzi eyenziwa ngolu hlobo lwekhredithi, yenziwa ngokusebenza okufanayo neakhawunti yokujonga esivumela ukuba singene okanye sikhuphe imali njengoko kufanelekile kuthi.

Icandelo elingalunganga lolu hlobo lwemveliso ngumdla ophezulu inayo xa siyisebenzisa gwenxa. Khumbula ukuba ezi ndidi zemigaqo-nkqubo ziyilelwe ukonwabela ixesha elifutshane kwaye uyeke ukuzisebenzisa ngokukhawuleza.

Kwimeko apho inkampani ingenayo i-solvency, iziko linokucela isiqinisekiso okanye isiqinisekiso sokukujonga kufanelekile ukuba nomgaqo-nkqubo.

Inzala kuphela ehlawulelwa imali eyinkunzi esetyenzisiweyo, kodwa kukho uthotho lweendleko ezongezelelweyo ezikwenza ukuba uhlawule ngaphezulu kokulindelekileyo. Yonke imidla ihlawulwa rhoqo ngekota okanye ngenyanga ngokuxhomekeke kwisivumelwano kunye nequmrhu kwaye ihlawuliswa kwiakhawunti yakho ngekhredithi eqhelekileyo okanye imveliso yezemali.

Iindaba ezimnandi zezokuba ezi ntlobo zemigaqo-nkqubo zinikwe ikhontrakthi kwinzala emiselweyo, ngenxa yexesha elifutshane lokuba semthethweni kwazo; Nangona kunjalo, ngexesha elithile kwaye isekwe kwi-Euribor, ibhanki inokuyiguqula.