Kukho iingcamango ezininzi zotyalo-mali ezikuvumela ukuba uphuhlise iiprojekthi zakho. Phakathi kwezi ngcamango ngumbono we umthengi ilungu ebhankini. Esi simo sikunika ithuba lokusebenzisa iinkonzo ezahlukeneyo zebhanki, ngokuthatha inxaxheba kuphuhliso lweeprojekthi zayo.
Ukuba unomdla kwesi simo, siyakumema ukuba ufunde eli nqaku. Yintoni umthengi wenkampani? Kutheni ube ngumthengi welungu? Indlela yokuba ngumthengi welungu ? Yintoni inzuzo kumthengi welungu?
Yintoni umthengi wenkampani?
Ukuphuhlisa iiprojekthi zakho zemali okanye izindlu, unokufowunela iibhanki ukuba zikuncede uzikhulise. Ewe, le ndlela inye iyasebenza nakwiibhanki. Kuphela, kule meko, ngumthengi oya kuthatha inxaxheba kuphuhliso lwebhanki. Kule meko, sithetha ngayointshukumo yequmrhu.
Yintoni intshukumo yequmrhu?
Intshukumo yequmrhu yingcamango echaphazela kuphela amaziko emali, kodwa hayi nje nawaphi na. Ngokwenene, le ngcamango isetyenziswa kuphela yiebhanki ezibizwa ngokuba yintsebenziswano okanye ibhanki.
Intshukumo yequmrhu ibandakanya ukuthengwa kwenxalenye yenkunzi yebhanki ngumntu. Ngokucacileyo, ukuze ukuthenga kube semthethweni, lowo wokugqibela kufuneka abe ngumthengi webhanki. Kufuneka uyazi loo nto dube lilungu leziko zemali ngoku iingenelo ezininzi kumthengi, nakwibhanki yakhe.
Ingaba imeko yomthengi welungu ibandakanya ntoni?
Umxhasi wenkampani nguye othenga izabelo zenkunzi yebhanki. Nangona kunjalo, ngokuba lilungu, umthengi uya kuba nelungelo lokuthatha inxaxheba kwiiprojekthi ezahlukeneyo zebhanki. Njani ? Ewe, ngamazwi akhe.
Enyanisweni, njengomthengi weshishini, lo uya kuba nethuba lokuthatha inxaxheba kwindibano kawonke-wonke, kunye namalungu ahlukeneyo asebenzayo ebhanki, kwaye oku, ukuze kuvotelwe iiprojekthi zangoku nezexesha elizayo zale bhanki. Eli lungelo livumela ilungu lomthengi ukuba lithathe inxaxheba ekuphuhlisweni kwebhanki yakhe, ngenxa yokuba uya kukwazi ukuzuza kukhetho olubanzi lweenkonzo.
Indlela yokuba ngumthengi welungu?
galela ube lilungu lebhanki, awudingi ukuba sisityebi, kuba unethuba lokuthenga izabelo kwi-capital yebhanki ukusuka kwi-5 euro. Ukwenza oku, kufuneka ube sele unayo i-akhawunti yokonga kwibhanki ekuthethwa ngayo. Ukuba sele yenziwe, yiya kumcebisi wezezimali ovela ebhankini ukuze akuncede ngamanyathelo!
Qaphela, nangona kunjalo, ukuba umxhasi unelungelo lencwadana yelungu elinye kuphela kwaye isixa-mali sayo sivaliwe. Ngokwenene, kuba fumana incwadana yobulungu, unokuhlawula phakathi kwe-10 kunye ne-2.500.000 ye-euro.
Kutheni ube ngumthengi welungu?
Yiba ngumthengi weshishini ineengenelo ezininzi. Phakathi kwazo kukho:
Yiba ngowokuqala ukuxhamla kwiinkonzo ezintsha zebhanki
Ukuba ibhanki yakho ihlala iguquka, unokuba ngowokuqala ukuthatha ithuba leenkonzo ezintsha ngaphambi kokuba zifike emarikeni. Kuchaphazelo, njengelungu kunye negalelo kuphuhliso lwebhanki, uya kuba phakathi kwabokuqala ukuxhamla kwiinkonzo zayo.
Amandla esiphakamiso
Njengelungu, ilizwi lakho liya kuvakala. Ngoko ke, ukuba unombono weeprojekthi ezinokuhambisa ibhanki phambili, unelungelo lokuyiphakamisa kwintlanganiso jikelele.
Amaxabiso athotyiweyo kuzo zonke iinkonzo zebhanki
Ukuba ufuna ukuthatha inzuzo ngokupheleleyo iinkonzo zebhanki ngamaxabiso athotyiweyo, konke omawukwenze kukuba lilungu. Umzekelo, ukuba ufaka isicelo semali mboleko yebhanki, ibhanki ingakunika:
- imali-mboleko ekhawulezayo;
- un ukuncitshiswa kwenzala.
Ukuthatha inxaxheba kwiiprojekthi ezibalulekileyo zemali
Ubume belungu ikuvumela ukuba uthathe inxaxheba kwiiprojekthi ezahlukeneyo zebhanki, nangona kunjalo, inxaxheba yakho ayiyi kuhlawulwa.
Yintoni inzuzo kumthengi welungu?
Njengoko besitshilo ngaphambili, ubume bomthengi weshishini ithembisa iinzuzo ezininzi kumnini wayo. Ezi nzuzo zigxile ikakhulu kwiinkonzo zebhanki.
Ngapha koko, imbuyekezo kutyalo-mali lobume boshishino lilinganiselwe kwiinkonzo zebhanki. Ngamanye amazwi, umxhasi akayi kwenza nzuzo rhoqo ngenyanga okanye ngonyaka, njengoko kunjalo kwimeko yobudlelwane kwiinkampani.
Le umgaqo womthengi wequmrhu inomdla kakhulu kubatyali-mali okanye abantu abasetyenziselwa ukusebenzisa iinkonzo zebhanki ukulungiselela nophuhliso lweeprojekthi zabo ezahlukeneyo.
