sankakhala

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Ngongole

Das sankakhala ndi zosiyana ndi kusasiyana, Mosiyana ndi likulu la mwiniwake, lomwe likupezeka kwa kampani kapena boma lakale la ndalama, ndalama zowongoka zimaperekedwa ndi odala ngongole. Izi zikuyimira mbali ya likulu limene silikukhudzidwa ndi eni ake. Monga ngongole, likulu lakunja liyenera kubwezeredwa mokwanira panthawi.
Kapenanso, ngongole yobwereka ikhoza kubwera kuchokera ku ndalama zenizeni monga momwe zimakhalira. Monga lamulo, komabe, ndilokhazikitsidwa pa ndalama zenizeni ndipo ndi pamene kusamaliridwa kwa ndalama kwa wina aliyense kuli kochepa komanso kosatha. Monga lamulo, wokongoza ngongole kuti adzalandira malipiro akudziimira okha popanda kupambana, mwachitsanzo, mwa mawonekedwe a ngongole. Izi zikugwiranso ntchito kwa omwe akugawana omwe sapereka mwayi kwa kampani yawo, koma ndalama zamayiko akunja kudzera mu mitundu yosiyanasiyana ya ngongole. Kusintha kwa likulu la ngongole limasankhidwa ngati ndalama zokhoma.

Zitsanzo za ndalama zazikulu:
- ngongole ya mitundu yonse (mwachidule mu Administration Business monga "ngongole"), mwachitsanzo Kaptialüberlassungen n'zochepa, monga banki ngongole ndi 5 zaka kukhwima kapena ngongole katundu (lotsegula akaunti) ndi masiku 14 nthawi yomaliza
- Zopereka (kuti malipiro apangidwe pambuyo pake monga msonkho wa msonkho, zopindulitsa za anthu, etc.)
- Zosowa zowerengera zinthu

Poyamba, ngongoleyi ikuyang'ana kutsogolo, mwachitsanzo, ngati palibe chifukwa chokana, ndalamazo ziyenera kugwiritsidwa ntchito poyamba. Equity ndi mgwirizano pamodzi zimaimira ndalama zonse za kampani.

Yochepa:
Misonkho yokhala ndi zaka zosachepera chaka chimodzi, monga mabanki a ndalama zowonongeka, malipiro omwe amalandira ndi malonda ogulidwa (mavoti otseguka).

Sing'anga akuti:
Chimene chiyenera kubwezedwa mkati mwa 1 kwa zaka 5, mwachitsanzo, ngongole yokhwima chifukwa cha zaka 3.

Yaitali:
(Ngongole), monga ndalama zapenshoni, ngongole kapena ngongole za banki, zomwe zilipo kwa kampani kwa zaka zoposa 5.

Kulekanitsa pakati pa ngongole ndi chilungamo

Sikovuta nthawi zonse kusiyanitsa pakati pa anthu akunja ndi omwe ali ndi ndalama zokhazokha, popeza zomwe zilipo kale ndizochokera ku ngongole, ngakhale zimachokera ku ndalama zenizeni. Izi ndi zomveka chifukwa chakuti pali kuthekera kwa kubwezera, monga momwe zilili ndi malamulo a penshoni, mwachitsanzo. Ngakhale ngati chiwongoladzanja chimafuna kuti chikhale chopambana, izi ndizo ngongole kale. Pali mitundu yambiri yosakanizirana pakati pa mgwirizano ndi mgwirizano, womwe umadziwikanso kuti likulu la mezzanine.

akawunti

Gwero la ndalama ndi zikuluzikulu za likulu liyenera kuwerengera ndalama. Ndalama za ngongole zimadziwika pambali ya zolipira, mwachindunji pambuyo pa zopereka ndi mangawa. Palinso zinthu zosiyana pa misonkho yobwereka ndi zinthu zotsatilidwa. Mawu akuti otsala ngongole laperekedwa monga "<1 zaka" kapena "> 1 chaka," zolemba ndi kupanga sheya azikhalabe ndi otsala mawu a pa 5 zaka zambiri pa mlingo, chikhalidwe ndi maonekedwe. Kusiyanitsa pakati pa ngongole zazing'ono ndi za nthawi yayitali kumawerengedwa ngati likulu la ngongole yobwereketsa.

ofunikira

Ziwerengero zofunika kwambiri zikhoza kuwerengedwa pogwiritsa ntchito ndalama zazikulu. Chiŵerengero cha chiyero, mwachitsanzo, chimapereka chidziwitso chokhudza gawo la ndalama zakunja zokhudzana ndi ndalama zonse. Izi zingagwiritsidwe ntchito kuwerengera mlingo wa ngongole ndi zamalonda.
Ngati chiwerengero cha ngongole chikuluzikulu ndi chokwanira, ndalama zowonjezera zikuwonjezeka chifukwa ndalama zambiri zimagwiritsidwa ntchito phindu la chidwi. Pankhani ya ngongole yaikulu, kuphwanya-ngakhale mfundo ndipamwamba kwambiri. Chiŵerengero chapamwamba cha chiwongoladzanja, chimaonjezera chiopsezo cha ntchito yawo. Zoopsa zamtsogolo zamtsogolo sizidzatulutsidwa. Ngati ngongole chiŵerengero Koma otsika, ngozi za kusakhulupirika kwa angongole kwambiri m'munsi, kuyambira zonena zawo Pamlingo waukulu akhoza analipira kwa katundu kampani.

Ndalama malo

Mu ndalama zogulitsa nyumba, ngongole ndi ndalama zonse zomwe zatengedwa kuti zithandize pa ntchito yomanga. Kawirikawiri amatetezedwa ndi ngongole za ndalama.

Zotsatira Zofanana:

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