Amagama angundoqo: Ingxelo yebhanki yeshishini;uziqeshile
Inkqubo yengxelo yebhanki yenye yezona nkqubo zidumileyo.Yenzelwe ababoleki abazisebenzelayo kwaye baya kusebenzisa kuphela iingxelo zebhanki zoshishino ukuze bafaneleke.
P&L ?Ayifuneki!
Ukubuyiswa kwerhafu?Ayifuneki!
Siza kusebenzisa nje iingxelo zebhanki zomboleki ukwenza ucazululo lwengeniso.
Siza kugxila ikakhulu kwaba balinganiswa bane balandelayo:
1) Iidiphozithi.Siza kuphonononga iidiphozithi zomntu ngamnye kwisiteyitimenti kwaye senze iidiphozithi ezinokusetyenziswa.Idiphozithi engangqinelaniyo, ingeniso engeyiyo eyeshishini, njengembuyekezo yerhafu ye-IRS, imali-mboleko ye-SBA, iimali ezibuyisiweyo ziya kuxhaswa.
2) Ukurhoxiswa.Ngokubanzi i-50% yeendleko ziya kusetyenziswa.Nangona kunjalo siza kuphonononga umsebenzi wokutsalwa kwesiteyitimenti ngenjongo yokuxhasa inkcitho yeshishini esetyenziswayo ukumisela umvuzo ofanelekileyo.Kwaye kufuneka sijonge amatyala angachazwanga.
3) Okuphambili.Iziteyitimenti zebhanki kufuneka zibonise indlela yokuphela kweebhalansi kunye nediphozithi ezinzile okanye ezikhulayo kwisithuba seenyanga ezingama-24 okanye ezili-12.
4) NSF.Ii-NSF ezigqithisileyo kwiingxelo zebhanki zinokubangela ukuba imali-mboleko ingafanelanga.
Kunzima kakhulu kwaye kuthatha ixesha?Ithunyelwe nje kwi-AAA!
I-AAA ngoku ibonelela ngeNkonzo yokuHlalutya iNgxelo yokuQala yeBhanki yasimahla!Thumela nje iziteyitimenti zakho zebhanki kunye neleta echaza ubume beshishini lomboleki kunye nobunini bomboleki, siya kukukhathalela okuseleyo!
Ukuzihlangula: Uhlalutyo lwengxelo yebhanki yokuqala lujoliswe kwiinjongo zolwazi, kwiingcali ze-mortgage kuphela.Esi ayisosicelo setyala, ukuvunywa kwetyala, okanye ukuzibophelela ekubolekeni kwaye akufanele kuthathwe njengengcebiso yokuboleka.Iimali-mboleko zixhomekeke kwiziqinisekiso zomboleki, kubandakanywa kodwa kungaphelelanga apho, amanqaku etyala aqinisekisiweyo, ii-asethi, amatyala akhoyo, ukuvavanywa kwepropathi okanye ezinye izinto, kunye nokuvunywa kwetyala lokugqibela.Ukuvunywa kuxhomekeke kwizikhokelo zokubhala phantsi, iireyithi, imigaqo, kunye nezikhokelo zeprogram.
Ixesha lokuposa: Jan-20-2022