Kubhadhara Kwebato Kushanda Mune Mari Mizinesi
Chii Chinonzi Debt Service?
Kubhadhara chikwereti chikamu chemari inodiwa pane imwe nguva yekudzorera zvikwereti. Inosanganisira kubhadhara kwe:
- mukuru uye chido
- uye kubhadhara mari (pamabhizimisi emabhizimisi, somuenzaniso)
Iyi mari inowanzoverengwa gore.
Ngatiti iwe uri kutarisa kune chikwereti che $ 100,000 kuti uwedzere kusvika munzvimbo huru. Pa6% inofarira kwemakore gumi, kubhadhara kwemwedzi kune $ 1110.21, kana $ 13,322.52 pagore. Ndiyo chikwereti chako chekuita kwegore.
Bhengi ari kukubvunza kuti bhizimisi rako richakwanisa sei kuunza mari yakakwana yekuita mari iyo yemwedzi, iwe uri kuenda kushanda sei chikwereti.
Chikwereti Kushanda seChinokosha Chakakosha kuBusiness Credit
Kubhadhara chikwereti ndechimwe chezvinhu zvina 4 C zveBusiness Credit (mari, kubhadhara, simba, uye unhu.) Kubhadhara chikwereti kunomiririra kukwanisa kubhadhara chikwereti.Ukwanisa kwebhizimisi kuunza mari yekubhadhara zvikwereti zvebhizimisi uye zvekubhadhara nedzimwe chikwereti .
Anokweretesa achangokweretesa mari kubhizimusi rako kana vane chikonzero chakanaka chokuti chikwereti chichabhadharwa. Chimwe chezvinhu zvikuru mukubhadhara ndeye chikwereti chazvino chiri kutorwa nemunhu ane chikwereti. Hongu, bhizimisi rako rekukweretesa chikwereti richaratidza izvi zvakare, asi vateresi vakawana chikwereti chekushumira kuti chive chiratidzo chinogona kuvigirwa chekubhadhara.
Chii Chinonzi Debt Service Ratio?
Sezvambotaurwa pamusoro apa, mubvunzo mukuru kune wese anopa chikwereti anoda kuziva ndeyekuti: "Ko chikwereti ichi chitsva chichakuisa iwe (uyo akwereta) muchinzvimbo chekutambudzika kubhadhara chikwereti chazvino uye chikwereti ichi chitsva?"
Hazvina kukwana kuziva chikwereti chekwereti chinoda kubhadharwa kupfuura nguva yegore. Zvakakoshawo kuziva kuti mari yakawanda iyo bhizinesi rinogona kushandisa kubhadhara zvikwereti izvi.
Heinoi kuverenga kweDhered Service Ratio:
Gurai bhizinesi rekushandiswa kwemari inoshandiswa gore rimwe chete nemari yemari yose inobhadharwa (serviced) mugore iroro.
Net inoshandiswa mari inoshandiswa nokuti iyi ndiyo mhindu yemari inowanikwa inotengeswa gore negore yezvigadzirwa nemashandiro, asi kwete kubva kune mamwe mabhuku semari yekuwana mari.
Semuenzaniso: Bhizinesi rine zvikwereti zviviri zvakakosha zvinokwana (pamwe nemukuru uye nharaunda) $ 100,000, uye bhizinesi motokari yebhasi iyo inowanikwa mari ye $ 8,000 gore negore. Iko inobhadhara madhora 108 000 mune chikwereti basa.
Gore rapera, bhizinesi rakanga rine mari yekushandisa ye $ 156,000. Gurai $ 156,000 ne $ 108,000 nokuda kwechikwata chekubhadhara chikwereti cha 1.44%.
Chiyero che 1 kusvika 1 hachina. Zvinoreva kuti mari yose yebhizimusi yemari yegore inofanira kushandiswa kubhadhara chikwereti chiripo. Chiyero che .8 kusvika ku1 chinoreva kuti 80% chete yematokari akange aripo anogona kubhadharwa kubva mubhizimusi rekuwana mari.
Kuita Chikwereti Basa Rinoshanda Sei Bhizimisi Idzva?
Sezvo bhizimisi idzva risina ruzivo rwemari yakawanikwa, rine dambudziko rakakura kukurudzira kune chikwereti icho chakwanisa kubhadhara chikwereti chacho. Mabhizimisi matsva angangove asina kuwana zvikwereti zvemagariro uye achafanira kutsvaga nzira dzekugadzira mari kusvikira vasati varatidze mari yakakwana yokubvisa chikwereti chebasa.
Kubhadhara Chikwereti Sezvokwadi Chengetedza Mari
Mabhandi nevamwe vanokweretesa vanoda kuti iwe unyore chikwereti chekuita zvakasiyana paItape Statement (P & L). Kubhadhara zvikwereti kunofungidzirwa kuti mari yezvino yebhizimisi rako. Kuisa chikwereti semari semari inoratidza kuti inowedzera sei nedzimwe mari kana uchienzanisa nemari yako bhizimusi rako riri kuwana mwedzi mumwe nomumwe.
Kunyange zvazvo chikoro chekuita chikwereti chingave chikamu chikuru chebhizimisi rako 'mari, haisi iyo chete. Mumuenzaniso wepamusoro, mari yekushandisa inoshandiswa inofanira kuvhara Zvose zvebhizimisi rako rekutengesa, kwete kungobhadhara pamwedzi pane chikwereti chako. Tarisa iri chirevo ichi kusanganisira chikwereti chebasa kuti uite cheki chaiyo kunyange usati watora chikumbiro chako chemari yako kubhangi.
Chikwereti Basa uye Bhizimisi Rako Mitero
Pamusoro pemitero yekubhadhara mari, kufarira kune zvikwereti zvebhizimisi (uye kubhadhara kune mamwe mari ekubhadhara mari ) kunofanirwa kubhadhara mari yebhizimisi yakaderedza, asi mukuru wacho haasi.