Enye yezindlela zokutshala imali esikhathini esimaphakathi nesikhathi eside ngophrojekthi owenziwa ngosomabhizinisi. Lapho ungathola khona umqondo wokuthuthukisa inkampani yakho. Hhayi ngomqondo wokuthola i- buyela kulondolozo lwakho, kodwa ukwanelisa izifiso zakho zomuntu siqu nezomsebenzi. Kodwa-ke, unenkinga yokuthi uzodinga ukwenziwa kwemali ebonakalayo ku-akhawunti yakho yokuhlola ukuze wakhe i- iphrojekthi.
Ukubhekana nale nkinga, ikhambi eliyinhloko onalo ngezimali ezizimele ezenziwa amabhange, izikhungo zezikweletu ngisho amapulatifomu e-inthanethi. Ngalezi ziteshi zezezimali uzoba nezinsizakusebenza ezidingekayo ukwenza inkohliso yakho yokwenza leyo phrojekthi yakudala obukade uyicabanga iminyaka embalwa.
Lesi sinyathelo sakho siqu sizokuvumela ukuthi ube yinkosi yesiphetho sakho. Kepha okubaluleke kakhulu, amandla okufinyelela phezulu kakhulu. Uma yonke into ikhula kahle, uzokwazi ukuthola inzuzo eyimali iminyaka embalwa. Njengomvuzo wemizamo yakho. Ngaphezulu kokusebenza ongakukhiqiza izimali ezingaphezulu noma ngaphansi zendabuko. Kokubili kumali engenayo eguquguqukayo (ukuthenga nokuthengisa amasheya emakethe yamasheya, izimali zokutshala imali, izinsimbi eziyigugu, njll.) Noma okuhleliwe (imali yesikhathi, amanothi ezethembiso zebhange noma isikweletu somphakathi, phakathi kwezinye iziphakamiso).
Izidingo zosomabhizinisi
Umoya wezamabhizinisi waseSpain usasebenza kahle ngemuva kwemiphumela yenkinga yezomnotho. Lokhu kucacile ngemininingwane enikezwe yi-World GEM Report (Global Entrepreneurship Monitor) ehambelana nonyaka wezimali ka-2015, okhombisa ukuthi le ngxenye yebhizinisi ikhule yafika ku-5,7% ngalesi sikhathi. Amandla obuholi, ulwazi noma isifiso sokufeza izinhloso ezithile emsebenzini wabo wobungcweti ngezinye zezimpawu ezivelela amalungu awo.
Naphezu kwakho konke, isimo semali siyaqhubeka nokuthatha isinqumo sokukhulisa, ukugcina nokwandisa imigqa yebhizinisi. Ukuxhaswa kwamaphrojekthi abo kungenye yezinto ezibakhathaza kakhulu, okuyingxenye ebaluleke kakhulu yale nqubo. Akumangalisi ukuthi enye yezindlela zakho zokuqala kufanele isuselwe ekutheni ziyini izidingo zakho zangempela nemithombo etholakala ngaso sonke isikhathi yokubamba izinsizakusebenza zezezimali ukuchaza izinhlelo zakho zokuhweba.
Kulesi simo esejwayelekile, enye yezinjongo zayo eziyinhloko iqukethe thola imithombo yezimali lapho kufanele baye khona nokuthi bangathola malini ngabo. Njengamanje, imali mboleko yangasese iyindlela ebaluleke kunazo zonke yokuthola imali emakethe yezimali. Ngokuyinhloko kudlula iziphakamiso amabhange abekade ethuthuka, kepha futhi nangezindlela ezisemthethweni ezenziwe ngokukhethekile kosomabhizinisi, nosomabhizinisi bebonke.
Ngokuphathelene nokwangaphambili, ukubambezeleka okuthile kuye kwabonwa ukukhuthaza lo msebenzi wobungcweti. Iziphakamiso zingaphansi kweminyaka embalwa edlule, noma kunjalo ngaphansi kwezimo zenkontileka ezincintisana kakhulu njengomphumela wentengo eshibhile yemali yiziphathimandla zezimali zomphakathi. Futhi lokho kuholele enanini lalo ngokungabi bikho, ku-0%. Noma kunjalo, kusenamamodeli amaningi abamukeli bakho abangabhalisela kuwo, ngaphansi kwamafomethi ahlukahlukene abanikeza ukuguquguquka okukhulu kokufunwayo.
Izimalimboleko ezinhle kakhulu
Ngaphakathi kokunikezwa kwamabhange kwamanje okuhlinzeka ngemali kosomabhizinisi, kungatholakala imigqa eminingana yesikweletu, okuthi, ngenkathi kugcinwa imigqa efanayo kakhulu yezentengiselwano phakathi kwabo, yethule okungajwayelekile ukwenza kube mnandi ekuthuthukisweni kwenkampani. Noma ngabe kusenkingeni yokuqasha eminye imikhiqizo exhunywe emkhakheni webhizinisi. Kunoma ikuphi, ukufinyelela imigqa yesikweletu efinyelela kuma-100.000 euros kuyinto engokoqobo.
ICaja España-Duero ivulela iMalimboleko Yenkampani, imalimboleko yomuntu siqu ukuze osomabhizinisi abancane ngezimali amaphrojekthi akho. Lesi siphakamiso sinikeza kuze kufike ku-80% wotshalo-mali, ngesethi ephezulu kuma-euro ayi-18.000. Enye yeminikelo yayo ukuthi inesikhathi sokukhokha esingafika eminyakeni emihlanu. Futhi njengokwintsha maqondana namanye amamodeli wezezimali, kungenzeka ukuthi unciphise izinkokhelo zakho zanyanga zonke ngokuthola eminye imikhiqizo ikakhulukazi ebhekiswe kula makhasimende (ikhadi lebhizinisi, umshuwalense wezohwebo, uhlelo lwempesheni, njll.).
Imalimboleko Yezamabhizinisi iyimpendulo uBanco Sabadell ayinikezile ukuhlangabezana nezidingo zendwangu yokukhiqiza yezwe. Ibanikeza izimo ezikhethekile, ukuzisebenzisela amaphrojekthi wokuzenzela umsebenzi, noma uma befisa ukwandisa ibhizinisi labo phesheya. Ukwenza lokhu, banweba imali yabo ekutshalweni okuphelele. Ngesikhathi esiphezulu sokubuya kwayo kweminyaka engu-5, kepha ngenzuzo yokuthi abaphathi bayo basesimweni sokukhetha i- isikhathi somusa esifinyelela ezinyangeni eziyi-12.
Ngaphansi kwegama likaCrédito Negocios 10, i-ING Direct imakethe umkhiqizo omusha ewusungule emakethe, futhi ovelele ngoba ukwenza kwayo isivumelwano ku-inthanethi kuphela. Ikhiqiza ithiphu yokuguquguquka okuguquguqukayo kakhulu lokho iphakathi kwama-3.000 no-100.000 euros, lapho isilinganiso senzalo sizofanelaniswa nomsebenzi webhizinisi. Ithula kuphela ikhomishini, evulayo, eyi-1%, futhi izosetshenziswa ngesikhathi esifanele sokuyenza ibe semthethweni. Ukusizakala ngalolu hlelo lokubhanga, ngeke kudingeke ukwethula iziqinisekiso, njengoba kunjalo nangezinye izimali mboleko ezifanayo, kepha kuzokwanela ukuthi abafakizicelo bavule i-Akhawunti Yebhizinisi abayikhangisa kulenhlangano.
ICaja de Ingenieros ikhiqiza enye indlela ezobhaliswa yinoma yimuphi usomabhizinisi. Ngokusebenzisa iMalimboleko Yokutshalwa Kwezimali, enikela ngama-euro angama-100.000, nokukhulisa isikhathi sokukhokha kuze kube yiminyaka eyi-10, benethuba lokwamukela isikhathi seminyaka emibili yomusa. Ukwamukelwa kwayo kusho ukukhokhwa kwenzalo engaguquki kusuka ku-6,65%. Kungezwe ikhomishini yokuvula kusuka ku-1,25%.
Izimali ezisemthethweni, ukuncintisana kakhulu
Esinye isixazululo esihluke kakhulu, futhi esinenzuzo enkulu ngenxa yezimo zayo ezikhethekile zenkontileka, yi- Umugqa we-ICO wosomabhizinisi esasebenza kuze kube nguNovemba 9, 2016, futhi engenziwa ngokusemthethweni ezinkampanini ezinkulu zebhange. Ikhokhela lonke utshalomali olwenziwe endaweni kazwelonke, ngalo lonke iphrojekthi yokutshala imali. Ngemali ephezulu efinyelela kuma-euro ayizigidi eziyi-12,5, kokukodwa noma ngaphezulu kokusebenza, futhi yini ehlukile kwamanye amafomethi ngoba angenziwa abe semthethweni, kungaba ngesikweletu, noma ngokuqashisa (isivumelwano sokuqashiswa kwezezimali).
Abafakizicelo bayo bangakhetha isikhathi sokusebenza kwabo, kusuka onyakeni owodwa, kuze kufike kuma-20, angafaka isikhathi somusa esisodwa noma ezimbili. Ngokuya ngalezi zinto eziguqukayo, isilinganiso senzalo, esinqunyiwe noma esiguqukayo, siyehluka kuyehluko we-ICO + 2,30% wemigomo esheshayo (cishe unyaka owodwa), uye ku-4,30% ozokhiqiza lawo anwebekayo kakhulu, angaphezu kweminyaka emine.
Udinga futhi ukwazi ...
Ngeke udinge nje kuphela ukuba nezinsizakusebenza ezidingekayo zezezimali ukuletha iphrojekthi yakho yobungcweti. Vele akunjalo, udinga ezinye izinto futhi ezibaluleke kakhulu futhi. Uma unalo mbono okhulelwe njengokutshalwa kwezimali eqondiswa isikhathi eside, ngeke ube nokunye ongakwenza ngaphandle kokwazi ngokujula i-niche yemakethe lapho uzongena khona kusukela manje. Kufanele uyazi, futhi ube noxhumana nabo abenele emkhakheni. Izokusiza ikakhulukazi ekuqaleni, ezikhathini ezinzima kakhulu zale phrojekthi.
Kufanele futhi ube ne- iqembu elihle labeluleki okukuqondisayo ukuqala isinyathelo sakho sebhizinisi. Zizoba yiphuzu lakho lokusekela ukuhamba ngezithiyo eziningi ozozithola kusukela ekuqaleni. Kuzoba kukhulu kakhulu kunalokho obukuhlelile kwasekuqaleni. Ngenxa yalokhu, kuzodingeka kakhulu ukuthi ungazitholi uwedwa kulesi sigaba sempilo. Kunoma ikuphi, zizungeze nabantu abaqeqeshwe kakhulu abathembeke ngokuphelele. Kuzoba yisinyathelo esibaluleke kakhulu okuzodingeka usithathe njengosomabhizinisi.
Ungakhohlwa ukuthi kutjalomali lokuqala okuzofanele ubhekane nalo, kufanele ugcine imiqondo eminingi engqondweni. Izakhiwo, abasebenzi, izinto ezibonakalayo, izindleko zokuphatha, njll. Akumangalisi ukuthi kuzofanele ukhokhe imali enkulu ngokuya ngemodeli yebhizinisi ofuna ukuyithuthukisa. Ungasheshi ukwenza inzuzo ngokushesha okukhulu. Kungaba ukuphazamiseka okungalimaza kakhulu izifiso zakho. Esikhundleni salokho, kungcono ukuthi ugxile ekubekeni izisekelo eziqinile kakhulu kuphrojekthi yakho yebhizinisi.
Amanye amathiphu wabatshalizimali
Ukwenza akuyona indlela elula njengoba kudinga ukuzinikela okuphelele ukugxila emsebenzini wakho wobungcweti. Kunoma ikuphi, uzoba nochungechunge lwezeluleko ezilula ezingasiza ukufeza izinhloso ezifunwayo. Abanye babo bazoba abalandelayo esizobadalula.
- Ungakhetha imali yokuncintisana kakhulu ngenxa ye- ukunikezwa okuhle kwemikhiqizo yalezi zici amabhange azithengisela zona. Uzokwazi ukusindisa ama-euro amaningi uma ukhetha umugqa wesikweletu ohamba phambili.
- Kufanele ube ne- imibono ecace kakhulu ngalokho ofuna ukukufeza nokuthi ufuna ukuya kuphi. Kuzokusiza ukucacisa ukungabaza okuningi onakho kuze kube yileso sikhathi.
- Akufanele ukubheke njengokutshalwa kwezimali okumsulwa futhi okulula, kepha njenge- isinyathelo sakho ofuna ukufeza. Ngaphandle kweminye imiphumela.
- Akufanele ugcine umzamo Uma ufuna ukuthi izimbuyiselo ezikulondolozile zivele maduze. Kuze kube seqophelweni lokuthi kuzodingeka unikele ngamahora amaningi ngosuku ukukhulisa lesi sinyathelo sakho.
- Ngaphambi kokuba uthole izinzuzo, ngeke ube nokuzikhethela ngaphandle khokha zonke izindleko osukwenzile. Kuzoba inqubo engahlala iminyaka eminingana.