Mhando dzeMari uye Kubhadhara Mitemo
Kubhadharwa kwemukuru webhangi remari yenguva refu inowanzobviswa, izvo zvinoreva kuti mutungamiri uye nharaunda inogadzirirwa seyakaenzana nguva dzebhadharo dzakagadzirirwa kubhadhara chikwereti munguva yakatarwa.
Munguva yapfuura, mabhizimisi maduku akagara uye akafa pamusana pemari yemabhengi, iyo inowanzoita mari shoma yebhizimisi.
Munguva yeKuramba Kukuruka kwa2008, izvi zvakashanduka shanduko sezvo mabhizinesi akazova asinganzwisisi kukweretesa uye mabhizimisi maduku aifanira kutarisa kune dzimwe nzvimbo dzekubhadhara mari.
Mitengo yeBan Term Term Loans
Sangano reAmerican Bankers Association rinowanzoona mabhiri maviri emabhengi ekubhadhara mari. Yokutanga ndiyo chikwereti chemukati chemari chinowanzova nekukura kwemakore matatu kusvika kumakore. Inowanzoshandiswa kushandisa mari yekushandira mari. Basa rekushanda rinoreva mari yezuva nezuva inoshandiswa iyo vadzimai vemazana emabhizimisi vanoda kukwanisa mabhizinesi avo.
Kushandisa zvikwereti zvemari, zvisinei, zvinogona kuva zvikwereti zvenguva pfupi zvebhangi uye kazhinji zviri. Makambani anowanzoda kuenzanisa zvikwereti zvezvikwereti zvavo kune hupenyu hwezvinhu zvavo uye anosarudza zvikwereti zvebhangi zvenguva pfupi. Muzvokwadi, mabhengi emari emari mashomanana ndeechokwadi kwenguva pfupi, asi nokuti anovandudzwa nguva nenguva, vanova pakati pepakati kana kwenguva yakareba zvikwereti.
Parmediate Bank Mikopo
Bhizimusi rekubhadhara mabhizimusi echengeti rinogonawo kushandiswa kubhadhara zvinhu zvakadai semakemikari ane hupenyu hwemakore anosvika matatu kusvika matatu, semichina yekushandisa kombiyuta kana zvimwe mimwe michina kana midziyo.
Kubhadhara kwemukati wemari chikwereti nguva inowanzosungirirwa kuhupenyu hwezvombo kana nguva yaunoda kubhadhara mari.
Pakati pepakati pemari mvumo yezvikwereti zvinowanzove nezvibvumirano zvisingabvumirwi zvinowanikwa nebhangi. Zvibvumirano zvinodzora zvinorega kushandiswa kwemabasa munguva yehupenyu hwechikwereti.
Vanovimbisa kuti vatungamiri vachabhadhara chikwereti vasati vabhadhara mabhonasi, zvikwereti, nezvimwe zvikwereti zvaunoda.
Nguva yakareba yeBan Term Term Loans
Mabhanki haasati anopa mari yakareba kwenguva refu kumabhizimisi maduku. Pavanoita, kazhinji kunotenga zvivako, nzvimbo huru yebhizimisi, kana midziyo huru. Bhengi inongokubhadhara 65% - 80% yehuwandu hweassetsi bhizimusi iri kutenga uye iyo yefa inoshumira sechikwata chechikwereti.
Zvimwe zvinhu izvo mabhizimisi maduku aifanira kutarisana nemabhengi emari ekubhadhara chikwereti zvibvumirano ndezvikwereti , chikwereti , creditworthiness , affirmative uye zvisina kunaka zvibvumirano, mari , mari, uye kodzero dzekubhadhara. Chikwereti chechikwereti chave chakakosha zvikuru kubva paKutora Kukuru kwe 2008.
Mabhenji anosarudza zvikwereti zvinogadzirisa zvikwereti apo kushandiswa kwemari yekukweretesa kunogadzirisa hurongwa hwekubhadhara. Yakawanda mari yechikwereti iri mumatare e $ 25,000 kana kupfuura. Vakawanda vakatsvaga chido chekuda uye zuva rakagadziriswa. Payment schedules yakasiyana. Nguva yemari mboi inogona kubhadharwa mwedzi mumwe nomumwe, pamwedzi, kana gore negore. Vamwe vanogona kuva nemari yekubhadhara pamagumo ekutora chikwereti. Bhodhiro chikwereti apo apo chiyero chevakuru uye chido hachikwanisi kubhadharwa pamusoro pemakore ayo, kazhinji kuchengetedza nguva dzepasiodic zvakaderera sezvingaita.
Nokudaro, mari yakasara, kazhinji huru, inokonzerwa pamagumo emhedziso.