11/08/2023

Ababolekisi bemali mboleko yezentengiselwano banesandla ekuhlinzekeni izixazululo zezimali zamabhizinisi.Kungakhathaliseki ukuthi ungumnikazi webhizinisi elincane ofuna ukunweba noma umthuthukisi wezindlu ezithengiswayo ohlela iphrojekthi entsha, ukuqonda umhlaba wemali mboleko yezentengiselwano nokukhetha umbolekisi ofanele kubalulekile.Lo mhlahlandlela ophelele uzokusiza ukuthi uhlole indawo yemali mboleko yezentengiselwano, uthole umbolekisi ongcono kakhulu ngezidingo zakho, futhi wenze izinqumo zezezimali unolwazi.

Ukuqonda Imalimboleko Yezentengiselwano

Izimalimboleko zezentengiselwano ziyimikhiqizo yezezimali eklanyelwe ukusiza amabhizinisi anezidingo ezahlukahlukene zezezimali, okuhlanganisa:

• Uxhaso Lwezimali Lwezindlu: Lokhu kuhlanganisa imali ebolekiwe yokuthenga, yokuxhasa ngezimali kabusha, noma ukuthuthukisa izakhiwo zezentengiselwano, njengezakhiwo zamahhovisi, izindawo zokudayisa, noma izindawo zezimboni.
• I-Working Capital Loans: Lezi zimali mboleko zihlinzeka ngemali yesikhashana yokusebenza kwebhizinisi yansuku zonke, ukumboza izindleko ezifana ne-payroll, i-inventory kanye nerenti.
• Izimali Zezisetshenziswa: Amabhizinisi angavikela izikweletu zokuthenga noma zokuqashisa izisetshenziswa ezidingekayo ukuze aqhube noma andise imisebenzi yawo.
• Ukwandiswa Kwebhizinisi: Imalimboleko yokukhula kwebhizinisi, kungaba ngokuvula izindawo ezintsha, ukungeza imigqa yomkhiqizo, noma ukuqasha abasebenzi abengeziwe.

Izinzuzo Zemalimboleko Yezentengiselwano

Izimali mboleko zezentengiselwano zinikeza izinzuzo ezimbalwa zamabhizinisi:

• Ukuthola Imali Enkulu: Lezi zimali mboleko zinikeza ukufinyelela emalini edingekayo ngezinjongo zebhizinisi ezahlukahlukene, okuvumela izinkampani ukuthi ziphishekele amathuba okukhula.
• Uxhaso Lwezimali Zempahla: Izimalimboleko zezentengiselwano zezindlu ezithengiswayo kanye nokuxhaswa ngezimali kwemishini kungasiza amabhizinisi ukuthi athole futhi asebenzise izimpahla.
• Imigomo Eguqukayo: Ababolekisi bavamise ukulungisa imigomo yemalimboleko ukuze ihlangabezane nezidingo ezithile zebhizinisi, okuhlanganisa amanani enzalo, amashejuli okukhokha, kanye nezidingo zesibambiso.
• Ukwakha Isikweletu: Ukuphatha ngempumelelo kanye nokubuyisela imali mboleko yezentengiselwano kungathuthukisa iphrofayili yebhizinisi lesikweletu, okungase kuholele emibhalweni engcono esikhathini esizayo.

Ukuthola Umbolekisi Ofanele Wemalimboleko Yezentengiselwano

Ukukhetha umbolekisi ofanele wemalimboleko yezentengiselwano kuyisinqumo esibalulekile.Nazi izinyathelo ezibalulekile okufanele uzicabangele:

1. Chaza Izidingo Zakho

Zichaze ngokucacile izidingo zebhizinisi lakho nezinhloso zezezimali.Nquma uhlobo lwemali mboleko olufanele kangcono isimo sakho, noma ngabe uxhaso lwezindlu nomhlaba, imali yokusebenza, noma imali mboleko yemishini.

2. Cwaninga futhi Uqhathanise Ababolekisi

Cwaninga ababolekisi bezindlu ezibolekiwe zezentengiselwano endaweni yangakini.Qhathanisa imikhiqizo yabo yemalimboleko, amanani enzalo, imigomo, kanye nezimali ezikhokhwayo.

3. Ukubonisana Ngochwepheshe

Cabangela ukufuna iseluleko kubaluleki bezezimali noma abaxhumanisi abanolwazi lwemali mboleko yezentengiselwano.Bangakuqondisa kubabolekisi abasebenza ngokukhethekile ngohlobo lwemali mboleko oyidingayo.

4. Idumela Nokuhlangenwe nakho

Khetha umbolekisi onodumo oluqinile kanye nomlando wokusebenzela amabhizinisi afana nelakho.Ukufunda izibuyekezo nokucela izincomo kunganikeza imininingwane ebalulekile.

5. Imigomo yokubolekwa imali

Buyekeza ngokucophelela futhi uqhathanise imigomo yemalimboleko, okuhlanganisa izilinganiso zenzalo, amashejuli okukhokha, nezimfuneko zesibambiso.Qinisekisa ukuthi imigomo ihambisana namandla ebhizinisi lakho.

Isiphetho

Ababolekisi bezindlu ezibolekiwe zezentengiselwano bangabalingani ababalulekile bamabhizinisi afuna ukusekelwa ngezimali ukuze akhule nentuthuko.Lezi zimali ezibolekiwe zinikeza ukufinyelela ezisombululweni ezibalulekile zekhephithali nezezimali.Nokho, isihluthulelo sempumelelo ucwaningo olunzulu, iseluleko sochwepheshe, nokukhetha umbolekisi onedumela elihle elinamagama avumayo.Ngobolekwa ofanele wemali mboleko yezentengiselwano eceleni kwakho, ungathatha izinyathelo zokuzethemba ekufinyeleleni izinjongo zebhizinisi lakho futhi uthole ikusasa eliqhakazile lezezimali.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.