Chibvumirano Chekubhadhara Bhizimisi Zvikamu Zvitsanangurwa
Chibvumirano ichi chemari chikwereti chebhizimisi , saka ine zvikamu zvose zvakakosha kuti chibvumirano chive chechokwadi, ndiko kuti, kuti icho chikwanisire munyaya, kana zvichifanira.
Sei Uchiita Chibvumirano Chekubhadhara Bhizimisi
Zvikonzero zvakakosha zvekutsvaga chibvumirano chechikwereti chemabhizimusi ndeichi:
- Business startup
- Kutenga chivako
- Kutenga midziyo, kusanganisira motokari
- Kutenga zvigadzirwa kana zvikamu kuti zvive nekugadzira kana kutengesa.
Ndinogona Kushandisa Chibvumirano Chekubvumirana Kwebhizimisi Template?
Kana uri kuwana chikwereti chebhizimisi kubva kubhangi kana kune imwe chikwereti, iwe uchazodiwa kushandisa zvinyorwa zvadzo uye mafomu ekubvumirana. kana uri kuita chikwereti chemunhu oga, iwe unogona kuedzwa kuti ushandise template. Asi chenjerera.
Muzvikwereti zvemabhizimisi, semamwe mabhizimisi emabhizimisi, mamiriro ese ezvinhu akasiyana, uye zvose zvinotaurirana. Semuenzaniso, wako chikwereti angada zvimwe zvibvumirano zvakajeka (zvinokurudzira) pachikwereti, kana iwe ungabvumirana neimwe nzira. Unogona kufunga kushandisa shanduro yebhizimisi template sekutanga, uchiita shanduko sezvo mapato maviri ari kubvumirana navo.
Zvikamu zveChipikirwa Chekubhadhara Kwebhizimisi
Zuva Rinobudirira. Zuva raunosayina chibvumirano chekubhadhara chikwereti kazhinji zuva rinobudirira-zuva iro mari yakabhadharwa iwe.
Tsanangudzo. Zvibvumirano zvezvikwereti zvebhizimisi, kufanana nedzimwe zvibvumirano, kazhinji dzinosanganisira urongwa hwetsanangudzo yemashoko anokosha. Tsanangudzo idzi dzinogona kuva dzakakosha kana pane kusawirirana, saka verenga zvakanyatsonaka.
Mapoka Anotsanangurwa. Mapato maviri kune chikwereti chechikwereti anorondedzerwa pakutanga. Kana paine mubati wemubatanidzwa uyo ari kubatsira bhizinesi nemutengo wekubhadhara kana kubhadhara, munhu uyu anotsanangurwawo muchikamu chino.
Promissory Note kana Mortgage. Chibvumirano chekubhadhara chikwereti chinogona kusanganisira chinyorwa chekuvimbisa kana chikwereti. Chikwangwani chekuchengetedza chikamu ndicho chivimbiso chekubhadhara; chikwereti ndechimwe rudzi rwekunyora tsamba, pane imwe nzvimbo (munda uye chivakwa). Nhamba yekuvimbisa inogona kuchengetedzwa nedzimwe bhizinesi rebhizimisi kana inogona kunge isina kuchengeteka. Kana chikwereti ichichengetedzwa, kuchengetedzwa kunotsanangurwa zvakadzama.
Collateral. Chibvumirano chechikwereti ndicho chivako kana imwe nzvimbo yebhizimisi inoshandiswa sevhudziro kana munhu akakwereta asingagari chikwereti. Icho chingava chikafu chinogona kunge chiri nyika uye kuvaka (pakatarisa chikwereti), motokari, kana midziyo. Chibvumirano chinorondedzerwa zvizere muchibvumirano chechikwereti.
Mitemo nemirairo. Iyi ndiyo chikamu chakakosha chikwereti. Sezvo zvikwereti zvizhinji zvemabhizimisi zvikwereti zvikwereti nezvikwereti zve periodic, mazwi aya anosanganisira chibvumirano chechibvumirano. Nheyo dzomukwereti dzinopera:
- Kuwanda kwemari yacho
- Nguva yenguva yechikwereti (inowanzotaurwa mumwedzi)
- Chido chekufarira . inoratidzirwa segore roga roga puropu (APR). Inhara yekutora inogona kugadziriswa kana kutenderera (kuchinja). Kana chikwata chekufarira chichichinja, shanduko yacho inowanzoenderana nehuwandu hwekuwedzera pamwe nemamwe mapeji. Semuenzaniso, chikwata chekufarira chinogona kuva chekutanga
- Purogiramu yekubhadhara
- Chirevo chokuti chikwereti chinogona kubhadharwa. (Zvikwereti zvizhinji mazuva ano zvinogona kubhadharwa, asi nguva dzose iri pfungwa yakanaka yekuongorora.)
Chirango chekusabhadhara. Aya mazwi anosanganisirawo zvinoitika kana zvikwereti zvisati zvaitwa panguva. Mwedzi woga woga, kazhinji pane nguva yenyasha, iyo imwe nhamba yemazuva mushure mezuva rakakodzera apo chikwereti chinogona kubhadharwa pasina chirango. Kana kubhadhara kusina kuitwa munguva yengoni, chibvumirano chinotsanangura chirango.
Zvisina kukodzera uye Kuwedzerwa Chidimbu. Vose mapato vakaita zvivimbiso, uye kana rimwe boka risina kuzadzikisa zvivimbiso zvaro, chibvumirano chacho hachina kukwana. Kana uyo anenge akwereta asina kukwana pane chikwereti (haasati aenderana nemitemo nemitemo), chibvumirano chechikwereti chinotsanangura chero zvipi nezvipi.
Shanduro yekukurumidza inogona kushandiswa sechirango. Muchiitiko ichi, kana uyo akakwereta asingakwanisi kuita zvose zvido zvechibvumirano kana kana akakwereta asingatengi nguva, chikwereti chinogona kuwanikwa nokukurumidza nekubhadhara.
Dare Rinodzora. Zvikwereti zvebhizimisi zvinotungamirirwa nemitemo yehurumende, iyo inopesana nehurumende kuenda kune imwe nyika. Chibvumirano chako chechikwereti chinofanira kusanganisira mutemo wekuti mutemo wehurumende unotonga. Iyo pfungwa yakanaka kuva nerubatsiro mukunyora chibvumirano chechikwereti chemabhizimisi kubva kumugweta uyo anoziva nemitemo yenyika yako kuti ave nechokwadi chokuti chibvumirano chinoenderana nemamiriro enyika.
Zviratidzo zveAkwereta. Somunhu akakwereta, iwe uchakumbirwa kusimbisa kuti mamwe mazwi ndeechokwadi. Izvi zvinogona kusanganisira vimbiso yako yekuti bhizimusi rinokwanisa kuita zvebhizimisi mune zvematongerwo enyika, kuti bhizinesi raisa mvumo yese yemitero uye yakabhadhara mitero yayo yese, kuti hapana hurumende kana mhosva dzinopikisana nebhizimisi inogona kuchinja kukwanisa kwayo kuripa chikwereti, uye kuti zvinyorwa zvemari zvebhizimisi ndezvechokwadi uye zvakarurama. Izvi ndezvimwe zvimiro zvakajairika; kune vamwe vanogona kunge vari kune chikwereti chako. Mumiriri webhodhi renyu revatungamiri vangada kuisa chikwereti ichi.
Zvibvumirano . Zvibvumirano zvipikirwa zvakaitwa nevose mapato. Vazhinji vatengesi vachada zvibvumirano zvakasiyana sechikamu chemvumo yechikwereti:
- Iwe uchada kuva nechiratidzo che inshuwarisi pane chero kuchengeteka kwauri kupika (chivako kana zvombo kana motokari). Uyo anokweretesa anoda kuve nechokwadi chokuti kana chimwe chinhu chichiitika kune pfuma, inshuwarisi ichabhadhara chikamu chechidimbu.
- Zvikwereti zvakawanda zvebhizimisi zvinoda kuti iwe utenge inshuwarisi yehupenyu muupenyu hwemuridzi (anonzi munhu anokosha munhu inshuwarisi yehupenyu) nemunhu anokweretesa semubatsiri. Anokweretesa anoda kuve nechokwadi kuti inogona kuwana mari kana chimwe chinhu chichiitika kumwene.
- Chimwe chinodikanwa ndechokuti iwe unobhadhara mitero yose uye mari inobatanidza neafa kuitira kuti irege kusara shure. Izvo zvinogona kusanganisira mitero yemitero uye malayisensi pamotokari.
- Vamwe vanokweretesa vanoda kuti iwe uve nechokwadi chokuti bhizinesi haringatori chikwereti chakawedzerwa kana kuti vatungamiri vako havazoshanduki.
- Nokuda kwezvikwereti zvakakura, uye kunyanya nokuda kwekutanga, vatengi vanokweretesa vanoda nguva dzemaitemo zvemari dzinoratidza kuti bhizimisi richaramba richikwanisa kubhadhara chikwereti.
Verenga Zvakanaka Usati Wapinda
Kunyangwe iwe uchifunga kuti unoziva zviri muchibvumirano chechikwereti, tora nguva yekuiverenga zvakanyatsoita kuti uone kuti unonzwisisa zvose uye kuti zvinhu zvose sezvawakabvumirana. Chenjererai kukopa kwakanaka!
Zvinonzwisisika. Ichi chinyorwa chinokupa zvikamu zvikamu zvechibvumirano chemabhizimisi ebhizimisi kuitira kuti uone kuti chii chingadiwa. Hazvirevi kutora mutero kana mazano emutemo. Zvimwe zvikamu zvingave zvakabatanidzwa muchibvumirano chako chechikwereti, uye iwe unofanirwa kuwana rubatsiro rwegweta kana iwe uchida kunyora chibvumirano chako chemari yako.