Amakhredithi okudala inkampani yokuqala

Empresa Ibhalansi yonyaka odlule ishiye ukuthambekela okukhulu kokuthuthukisa umsebenzi womsebenzi njengomuntu ozisebenzelayo. Empeleni, i-Special Regime for Self-Employed Workers (RETA) ivale unyaka wezi-2017 ngokukhula kwalesi sigaba somsebenzi cishe ngo-3% uma kuqhathaniswa nonyaka odlule. Kutholakala ukuthi iningi lalaba bantu selikhethile vula inkampani noma ibhizinisi kusuka kumaphrojekthi wabo wobungcweti. Ukuthola ukuqondana okukhulu kubantu abasha, ngokuvula iminyango emisha yokuthola ithuba lomsebenzi, ngokuba ngomunye wemikhakha lapho ukungasebenzi kunamathuba amaningi.

Akumangalisi ukuthi izinga lokungasebenzi kwentsha ekupheleni kuka-2017 lingu-45%, ngokusho kweLabour Force Survey, ekhishwe yiNational Institute of Statistics (INE). Yize kuncipha maqondana no-2016, kuphi abantu abasha abangaphansi kweminyaka engama-25 ubudala ababengasebenzi babengaphezu kwala mazinga. Futhi lokho kanye nomoya wokuhweba wabanye babo, kuthinta isifiso sabo sokwakha inkampani yabo.

Ngalesi simo esethulwe yimakethe yezabasebenzi kuzwelonke, ukuthola mboleko isibe ngomunye we izinhloso ezibalulekile zabamabhizinisi kanye nosomabhizinisi abancane abafuna ukukhuthaza iphrojekthi yabo yobungcweti. Umsebenzi awukho lula ezikhathini eziningi, lapho kushoda khona okunikezwayo, nezimo ezishayela amamodeli wazo kwenza abafakizicelo bahoxe. Vele ngoba abakwazi ukuthatha izikweletu ezikhiqizwe kulawa makhredithi.

Inkampani yokuqala: iziphi izinhlobo?

Njengoba kungumugqa wesikweletu okhetheke kakhudlwana, kudinga nezimo zenkontileka ezihlukile, lapho kuhanjiselwa khona njalo ngokusebenzisa ama-microcredits. Okokuqala, kuzodingeka ukwethula iphrojekthi esebenzayo, futhi lokho kunemvume yebhizinisi elikhiphayo lale mikhiqizo. Kuyiqiniso ukuthi abanikeli inani elibabazekayo, ngesilinganiso esilinganisiwe cishe ama-euro ayi-30.000. Esikhundleni sokuphromotha isikhathi somusa esingafinyelela phakathi kwezinyanga eziyisithupha nezingu-6 cishe. Kuyisikhathi lapho umnikazi akhokha kuphela inzalo ngaphandle kokukhipha imali enhlokodolobha. Ngokuvamile zixhunyaniswa nolayini bezimali babantu abasha. Ngenhloso ethize, okungekho okunye ngaphandle kokubasiza ukuthi babuyele ngokunethezeka ngaphezulu kokunye ukucatshangelwa okuyinkimbinkimbi.

Ukususwa kwamakhomishini abo (ukutadisha, ukuvula, ukukhokha ngaphambi kwesikhathi ...) kungenye yezinqubo ezivamile lezi zikweletu ezikhona namuhla. Banenkathi yokukhokha ejwayelekile kulawa manani, isikhathi esinqunyiwe seminyaka engama-5. Ngenzalo yokuthi ezimweni eziningi ingaphansi kwesithiyo esingu-10%, futhi lokho kungehliswa ngokuthola eminye imikhiqizo yasebhange (izinhlelo zempesheni, umshwalense, izimali zokutshala imali ...). Njengenye yezindaba ezifanele kakhulu zalo mugqa okhethekile wesikweletu esikhuluma ngawo kule ndatshana.

Banikela ngama-euro angama-30.000

isikweletu Ubunzima obukhulu osomabhizinisi abasha abanabo ukuthola umthombo wezimali abangahumusha ngawo amaphrojekthi abo. Ukuze abasize baxazulule le nkinga, amabhange athuthukise ukunikezwa okwenzelwe kuphela inkampani yokuqala. Ngamanani angafinyelela kuma-euro ayizigidi ezingama-30.000, futhi avezwa ngaphansi kwamafomethi ahlukile ngokuya ngezimo zawo zenkontileka. Kodwa-ke, ngezingxoxo ezifika ngesikhathi la ma-margins angadlulwa enikezwa yizinhlangano zebhange.

Enye yezinhlangano ezisayinele lo mkhuba wokuhweba yi-Unicaja ngeFirst Company Loan, ehloselwe abantu abasha abagcina le phrofayili lapho befaka isicelo sentengo yesikweletu. Kunoma ikuphi, kubonakala ukuthi ngaphakathi kwezimo zayo zenkontileka iyavuma ukuthi kungenzeka ukuthi yehlise imali ekhokhwa ngenyanga okumele bayikhokhe. Inikeza inani elifinyelela kuma-80% otshalo-mali, ngezinga eliphezulu lama-euro ayi-18.000. Abamukeli bayo, ngakolunye uhlangothi, bazoba nesikhathi esifinyelela eminyakeni emihlanu ukuyikhokha, ngokuhambisana neminye imithombo yezimali yohlobo oluhlukile.

Esinye isiphakamiso esifakazela ukuthunyelwa kwaleli zimali phakathi kwamakhasimende ngalesi sici esikhethekile sivela kuBanco Sabadell. Ikhethe ukunikeza i-Entrepreneur Loan, esebenza kokubili ukukhuthaza amaphrojekthi wokuzimela kanye nemigqa yebhizinisi ejwayelekile. Kulokhu, ixhasa ngezimali lonke utshalomali. Ukubala isikhathi sokubuyiselwa kwayo kuze kube yiminyaka emi-5. Kwehlukile ngoba kubheka isikhathi somusa sezinyanga eziyi-12. Futhi kunoma yikuphi ukusetshenziswa kwe inzalo engaguquki namakhomishini aphansi.

Ukunikezwa kwamabhange kwamanje kosomabhizinisi abasha kuqediwe ngenye imodeli enezinzuzo ezifanayo futhi ezinganelisa izifiso zabafuna ukwenziwa kwemali. Le yiBusiness Loan ekhuthazwe yi-ING Direct ukuze osomabhizinisi abancane bakwazi ukuzakhela owabo umugqa webhizinisi. Okwabantu abazisebenzayo bakhiqizela i- izinga lenzalo ka-6,95% we-NIR (7,18% APR). Futhi ngaphandle kwanoma iyiphi ikhomishini engakhuphula izindleko zokugcina zalo mkhiqizo, njengenye yeminikelo yayo efanelekile maqondana nokunikezwa komncintiswano.

Ama-Microcredits osomabhizinisi

i-microcredits Ama-Microcredits yimalimboleko emincane enikezwa abantu abanobunzima obukhulu ekutholeni izindlela zendabuko zezimali. Akuthengiswanga nje kuphela ukuhlangabezana nezidingo zabo zenhlalo, kepha kuvulwe iwindi ukuze le ngxenye yobungoti ikwazi ukufinyelela lezi zinhlobo, futhi kube nezinzuzo ezinkulu. Lo ngumbono wokuthi iMicrobank seyithuthuke iminyaka eminingana (ibhange lezenhlalo elikhethekile kulolu hlobo lwemikhiqizo futhi lokho kuncike kuLa Caixa) ukwenza lula isivumelwano sabo. Inikeza ngokungaqondakali ama-microcredits osomabhizinisi, ama-freelancers namabhizinisi amancane. Ngamunye wabo ngaphansi kwezici zakhe ngokwemibandela yokuqashwa.

Esinye seziphakamiso zayo eziyinhloko sivela kwaMicrocredits for Entrepreneurs, ehlose ochwepheshe nabasebenza ngokuzimela imali engenayo yonyaka engaphansi kwama-euro ayizi-60.000, kanye namabhizinisi amancane anabasebenzi abangaphansi kweshumi futhi nenzuzo engekho ngaphezulu kwezigidi ezimbili zama-euro ngonyaka. Inika yonke iphrojekthi, ngenani eliphakeme lama-euro angama-10. Imakethwa ngesikhathi sokukhokha seminyaka eyi-25.000, esingafakwa, ngokuzikhethela, isikhathi somusa esifinyelela ezinyangeni eziyisi-6. Futhi noma kunjalo, ngaphandle kwesiqinisekiso sangempela, njengengxenye entsha ekwethulweni kwayo.

Ziyini izinhloso?

Uma wena ngokwakho unombono ofuna ukuwuthuthukisa, ungacela elinye lala makhredithi esikudalulele lona. Ngoba inkinga enkulu yosomabhizinisi abasha ukuqala kwabo kwazise ukuswelakala kwezinsizakusebenza zezomnotho kungezinye zezithiyo zabo ezinkulu. Kuze kube seqophelweni lokuthi kubenza bayeke umzamo ezimweni eziningi. Unale njongo engqondweni, le migqa ekhethekile yesikweletu idaliwe engakusiza kakhulu ngesikhathi esithile empilweni yakho. Inkani nje uthobela imibandela yokuqashwa kwakho. Ngoba vele kungumnikelo wokwandiswa okucacile eSpain. Ngaphezulu kwezinye izindlela zezimali.

Kuzo zonke izimo, ngaphandle kwezidingo ezizofunwa emabhange uqobo, kubalulekile ukuthi wethule iphrojekthi ekhangayo nephakamisa imibono. Kepha ngaphezu kwakho konke kungokoqobo futhi bayabona ukuthi kufinyeleleka ngokusobala. Lesi esinye sezihluthulelo zokukunikeza imalimboleko yalezi zici. Okungaphezulu kwempendulo yakho yokubuyisa inani selokhu isikhathi esinqunyiwe singenziwa siguquguquke ngokuya ngentuthuko yenkampani yakho noma ulayini webhizinisi. Kuyinto okufanele uyilindele ngaphambi kokuya egatsheni lakho lasebhange ukuthola imali ehambelana nalokho okukuhlukanisa neminye imigqa ejwayelekile yesikweletu noma okungenani kungacaci kangako.

Izinzuzo kulokhu kuxhaswa ngezimali

izinzuzoVele, lawa makhredithi ahlinzeka ngochungechunge lwezinzuzo ezingekho kwamanye amaphuzu okukhishwa kwemali anikezwa ngamabhange okwamanje. Okokuqala, bayakunikeza  izindawo ezinkulu zokukhokha amanani futhi lokho kwenzeka ngokufakwa kwesikhathi somusa esingathakazelisa kakhulu kuzintshisekelo zakho zobungcweti. Ngakolunye uhlangothi, amakhredithi angaxoxiswana ngaphambi kokubhalisa. Lokhu kusho ukuthi usesimweni esifanele sokuthuthukisa izimo zakho. Okungenani ukukhokha izitolimende ezincintisana kakhulu zenyanga ukwedlula kusuka kwimvelaphi yayo. Ngokonga okubaluleke kakhulu okuzokusiza ukwaba le mali kwezinye izidingo ekuthuthukiseni inkampani noma ibhizinisi lakho elincane.

Kufanele uvuthise iphrojekthi yobungcweti ukuze isicelo samukelwe. Uma kunjalo, uzoba nomhlaba omningi ozowuthola phambili ngoba ungakhetha nenani lenzalo elifuna kancane kunaleli ebelikunikeza lona kuze kube manje. Amakhomishini nawo azoncipha kancane kunamakholi esikweletu kubantu noma okungenani ukuze asetshenziswe. Ngalokho ngokusebenzisa leli qhinga lezentengiso ungakhuthaza ukonga ngendlela eyenelisa kakhulu izintshisekelo zakho. Futhi ekugcineni, yazi ukuthi kuxoxiswana kanjani. Ngokonga okubaluleke kakhulu okuzokusiza ukwaba le mali kwezinye izidingo ekuthuthukiseni inkampani noma ibhizinisi lakho elincane.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.