Iyini inqubomgomo yesikweletu?

Izinqubomgomo zezikweletu ziyimikhiqizo yezezimali ukuthi izinkampani njengamanje zisebenzisa kabi kakhulu, ngoba kucatshangwa ukuthi zixhasa amafomula angasetshenziswa njalo lapho empeleni kuphela Kufanele zisetshenziswe ngezikhathi ezithile ukukhulula inkampani nosonhlamvukazi bayo.

Iyini inqubomgomo yesikweletu futhi yenziwa ngani

Inqubomgomo yesikweletu ingumkhiqizo ophambene ngokuphelele nama-akhawunti akhona esaziwa kakhulu ngawo, asetshenziswa ngabantu ngabanye. Izinqubomgomo zisinikeza ithuba lokukhokha isikweletu noma sibe naso ngokuya ngalokho esikudingayo nsuku zonke. Ungasebenzisa izinqubomgomo zesikweletu ekuhloleni ama-akhawunti kepha lokhu kuzohlala njalo kuveza ibhalansi engemihle esivuna ibhange, noma lokhu okugcina kuncike ohlotsheni lwe-akhawunti oyitholile.

Yiziphi izinto eziyinhloko zenqubomgomo yesikweletu

• Imali etholakalayo noma umkhawulo. Kuyinani esingaba nalo kunqubomgomo nalo lelo inani eliphakeme lesikweletu esifanayo.
• Usuku olumisiwe. Zonke izinqubomgomo zezikweletu zinenkontileka ngesikhathi esithile. Ezimweni eziningi, lesi sikhathi asidluli unyaka owodwa, noma ngabe inkampani iletha izimo ezinhle, kungaxoxiswana isikhathi eside ukuze inqubomgomo yesikweletu ihlale isebenza, kuleso simo ukuvuselelwa kwayo kwaminyaka yonke.
• Amakhomishini namazinga wenzalo asebenza kuzinqubomgomo. Njengoba inqubomgomo ingumkhiqizo wezezimali, kuzo zonke izimo kuzoba nezindleko zamakhomishini nezintshisekelo. Yize kungumkhiqizo wezezimali ogxile ezinkampanini nakuma-freelancers, amakhomishini nezintshisekelo zawo kuvame ukuba phezulu.
• Inqubomgomo eKungumkhiqizo otholakala ngokuzithandela nangomkhawulo wokuguquguquka ophezulu. Khumbula ukuthi banosuku lokuphelelwa yisikhathi ovumelene ngalo ngaphambilini.
  Abalwa kanjani amakhomishini kuzinqubomgomo

Uma kukhulunywa ngokubala izimo zenqubomgomo kuneqoqo elikhulu lapho kunezinhlobo ezahlukahlukene zekhomishini okufanele zikhokhwe.

Amakhomishini avame kakhulu noma angahleliwe

Ikhomishini yokuvula

Lolu hlobo lwekhomishini lubizwa ekuqaleni kwenkontileka yomkhiqizo wezezimali. Izinga lenzalo linikezwa ngokuya ngomkhawulo wesikweletu ophelele etholakalayo; kodwa-ke, isilinganiso senzalo asivamisile ukweqa u-2% wesamba, kuye ngenani eliceliwe nezimo okuvunyelwene ngazo. Lokhu kuyehluka kuye ngebhizinisi eceliwe kulo kanye nasemkhawulweni wenqubomgomo.

Ikhomishini yokutholakala

Le khomishini ikhokhiswa ngokuya ngenani lemali esingaba nalo lapho sizokhokha inzalo. Lolu hlobo lwekhomishini luphansi, ngoba imvamisa alweqi u-0,1% wemali esinayo kunqubomgomo yethu. Umehluko ukuthi yikhomishini yokuqoqa yanyanga zonke noma yekota yenhlokodolobha etholakalayo.

Inzalo esele kubhalansi.

Lesi yisilinganiso senzalo esikhokhelwa kubhalansi etholakalayo. Ukuze kubalwe lesi silinganiso senzalo ngendlela efanele, kufanele senziwe ngendlela ye-hamburger, engenye yezindlela ezisetshenziswa kakhulu njengoba ukunyakaza ngakunye kwenqubomgomo kubonakala njengesimo noma ukukhanselwa okufanayo.

Inzalo yebhalansi engadalwanga.

Leli zinga lenzalo lisetshenziswa ezinhlotsheni zenqubomgomo lapho amanani emali engazange asetshenziswe isikhathi esithile lapho inzalo kufanele ikhokhwe khona. I-% iphansi kakhulu.

Inzalo yeqiwe

Lapho sine- inqubomgomo yesikweletu kepha sidlula inani okuvunyelwene ngalo, kufanele sikhokhele uhlobo lwekhomishini ngokudlula. Lolu hlobo lwekhomishini lungelinye elikhokhiswa kakhulu kunqubomgomo yezikweletu, ngoba inzalo nayo iyangezelwa ukubambezeleka. Yize into ejwayelekile ukuthi ibhizinisi alisivumeli ukuthi seqe umkhawulo okuvunyelwene ngawo futhi samisa ukunikezwa okuphakeme.

Kusho ukuthini konke lokhu

Izindleko zenqubomgomo yesikweletu zibaluleke impela ukuthi zingathinta izinkampani ezingenayo i-solvency eyanele. Ngesikhathi ngasinye, kunezinto eziningi okufanele zinakwe ukuze sikwazi ukulungisa imisebenzi.

Amanye amakati angasinika futhi lolu hlobo lwenqubomgomo izindleko ezihambisanayo. Lawa makati yilawo akhiqizwa kunoma yiluphi uhlobo lwenqubo namabhange futhi angaba izindleko zabaqinisekisi, izinqubomgomo zomshwalense ezengeziwe zebhizinisi noma ngisho nezindleko ze-notarial.

Kuwo wonke la makati, ingangeza kuze kufike ku-5 noma ku-6% wenqubomgomo ephelele esizogcina siyikhokhile.

Kufanele isetshenziswe kanjani inqubomgomo yesikweletu

Akufanele usebenzise inqubomgomo yesikweletu uku:

Njengoba sakutshela ekuqaleni, lezi zinhlobo zezinqubomgomo zisetshenziswa kabi kakhulu yizinkampani eziningi, ngoba akufanele zisetshenziswe njalo, kepha ngezikhathi ezithile lapho zidingeka khona, noma kunjalo, into enzima ukwazi ukuthi sizobadinga nini ngempela. Lapho uketshezi lutholakala futhi umnotho wenkampani unethezekile, uma sisebenzisa inqubomgomo yesikweletu, lolu hlobo lomkhiqizo lusetshenziswa kabi ngoba akudingekile ukwenza imali ethe xaxa enkampanini futhi senza izindleko kuphela.

Lezi zinhlobo zezinqubomgomo akufanele zisetshenziselwe ukuthola imikhiqizo engaguquguquki noma imali etholakalayo.. Lokho wukuthi, akumele isetshenziselwe ukuthenga imoto hhayi ukuthenga inkampani ngomshini, ngoba kulezi zimo, okunconywayo uhlobo lwesikweletu esiqondile yilolo olunikeza izinzuzo ezinhle kakhulu kuleli cala.

Akufanele bacelwe ukuthi bakhokhele izidingo ezingaba khona ezingeni lomgcinimafa. Akufanele neze isetshenziselwe ukuhamba kwemali okungekuhle. Ukuhamba kwemali okungekuhle kwenzeka lapho inkampani iqoqa ukuthengisa kwayo isikhathi eside ngemuva kokukhokha abahlinzeki nezinye izindleko.

Lapho inkampani isisha noma ikhula, ukuhamba kwemali Kuzohlala kukubi futhi ezimweni eziningi kungapheli, kanjalo Kumele zixazululwe ngezimali zazo futhi zingalokothi zisebenzise imikhiqizo yezimali lokho kuzosifaka esikweletini esithe xaxa.

Futhi akufanele zisetshenziswe lolu hlobo lwenqubomgomo ukuxazulula okuzenzakalelayo kwamakhasimende. Kwenzeka okufanayo nangecala langaphambilini, akukhona ukuphuma esikweletini esisodwa kepha ukungena kwesinye.

Kufanele usebenzise inqubomgomo yesikweletu:

Lezi zinhlobo zezinqubomgomo kufanele zisetshenziswe kumgcinimafa kuphela uma kunezidingo ezithile. Lapho sibona ukuthi ukuthengisa kudlulelwe yisikhathi kodwa kulinganiselwa ukuthi kuzosebenza. Ngokusobala, kuze kube yilapho sekuqediwe ukukhokha, kuzokhokhwa i-VAT nezintela. Lapha, inqubomgomo ingasetshenziselwa ukuthuthukisa ukusilela kwemali.

Izimali ezithile zomnotho zidinga, inqobo nje uma ifika ngesikhathi. Isibonelo, ngenza ukuhlehliswa kokuthengiswa kwemali enkulu unyaka owodwa futhi ngizoyiqoqa njalo ngenyanga. Kuze kuphele ukuqoqwa, kuzofanele ngikhokhe i-VAT nentela yenhlangano, ngakho-ke ngizoba nesidingo esinqunyiwe somgcinimafa ngokuthengisa okushiwo. Kulokhu, inqubomgomo ingasetshenziswa, kepha ukubhekana naleli gebe lesikhashana lesikheshi.

Isizathu sokuthi lo mkhiqizo usetshenziswe cishe ngokungalawuleki eminyakeni yamuva yingoba usetshenziswe kakhulu ngesikhathi sokunweba lapho izinkampani eziningi zangena enkingeni.

Ingabe inqubomgomo yesikweletu iyindlela engcono kakhulu?

Lezi zinqubomgomo zinezinzuzo eziningana:

• Okunye kokuqala ukuthi ingabhekela noma yiluphi uhlobo lwesidingo esithile ngezindleko ezingekho phezulu kangangoba uma sicela isikweletu sakho noma sishiya i-akhawunti ingalungile.
• Kuzinqubomgomo zezikweletu azikho izinkinga zesikweletu, ngoba awunawo umkhawulo wemali ongayisebenzisa.
• Ngaphambi kokusinika inqubomgomo yesikweletu, ibhange lizocubungula inkampani yethu ukubona ukuthi yiluphi uhlobo lwekhomishini abasinika lona nokuthi sinesiqinisekiso esanele yini salolo.
• Kukhona enye inketho ephathwa njenge- "credit ngaphandle kwenzalo" kepha ukhokha kuphela imali onayo namakhomishini amancane kakhulu.
• Imisebenzi eyenziwa ngalolu hlobo lwesikweletu, yenziwa ngokusebenza okufanayo ne-akhawunti yokuhlola esivumela ukuthi singene noma sikhiphe imali ngendlela esivumelana ngayo.

Ingxenye engemihle yalolu hlobo lomkhiqizo inzalo ephezulu inaso lapho siyisebenzisa kabi. Khumbula ukuthi lezi zinhlobo zezinqubomgomo zenzelwe ukujatshulelwa esikhathini esifushane bese uyeka ukuzisebenzisa ngokushesha okukhulu.

Uma kwenzeka ukuthi inkampani ayinayo i-solvency, ibhizinisi lingacela isiqinisekiso noma ngisho nesiqinisekiso sokukubheka njengokufanelekile ukuba nenqubomgomo.

Inzalo kuphela ekhokhelwa inhlokodolobha esetshenzisiwe, kepha kukhona uchungechunge lwezindleko ezingeziwe ezikwenza ukuthi ukhokhe okungaphezulu kokulindelekile. Zonke izinzuzo zikhokhwa njalo ngekota noma ngenyanga kuya ngokuthi kuvunyelwane kanjani nebhizinisi futhi zikhokhiswa ku-akhawunti yakho ngekhredithi ejwayelekile noma umkhiqizo wezezimali.

Izindaba ezimnandi ukuthi lezi zinhlobo zezinqubomgomo zitholwa ngenzalo engaguquki, uma kunikezwa isikhathi esifushane sokuba semthethweni kwazo; noma kunjalo, ngesikhathi esithile futhi ngokususelwa ku-Euribor, ibhange lingakushintsha.