Kuti Vafambisi Vaduku Dzavanani Vanogona Kudzivirira Zvinhu Zvavo Zvimwe
Mabhizimisi mazhinji maduku anoda mari yekubhadhara nenzira yezvikwereti zvebhizimisi kuti uitange kana kuwedzera. Kuti atange chikwereti chekutanga, kunyanya, muridzi webhizimisi kazhinji anofanira kugovera chikwereti nemamwe marudzi ezvokuchengetedza uye chivimbiso chekubhadhara kana bhizimisi risati rafa pane chikwereti. Sezvo bhizimisi idzva richiwanzova nehombodo shoma uye shoma kune mari isina mari yekupa chikwereti chikwereti, muridzi webhizimisi anowanzodiwa kuti ape chipikirwa chega.
Chibvumirano chega chega chinosayirwa nemuridzi webhizimisi achipikira hupfumi hwake kana zviitiko zvebhizimisi zvisiri izvo; iyo ikuti, muridzi wemuridzi angada kutengeswa kuti abhadhara chikwereti chebhizimisi.
Nzira Yekuti Vadzidzisi Vaduku Vaduku Vanogona Sei Kuchengetedza Pfuma Yenyu?
Vatsva bhizinesi mabhizinesi vanowanzova nehanya nezvekurasikirwa kwezvinhu zvavo kana bhizimisi ravo risina kukwana kubhadhara mabhidharo kana zvikwereti. Asi kune mhinduro itsva yekuchengetedza pfuma yako kubva pamufananidzo kana paine bhizinesi rakaparara kana kuti risipo; iyi mhinduro itsva inonzi "pepa inshuwarisi yega."
Chii Chiri Chete Chekuita Inishuwarenzi?
Pamwe Chete Guarantee Inishuwarenzi (PGI) ndiyo itsva yveshuwarisi yakagadzirirwa kupa vashoma-kusvika-medium-scale bhizimisi mabhizinesi uye yezvokutengeserana dzimba dzekuchengetedza mari yekuchengetedza pfuma yavo pachavo pavanopinda chibvumirano chavo chekubhadhara chikwereti.
Kuvimbiswa kwevanhu pachavo kwave kwenguva refu kuripo kwehupenyu kune vashandi vebhizimisi vachitsvaka chikwereti chebhizimisi asi izvi hazvisi kuderedza njodzi inobatanidza nekuisaina.
Nokuita kudaro, mucherecheri (anozivikanwawo sev guarantor) ane mutoro wekugutsa zvinyorwa zvechikwereti kana chiitiko chebhizimisi 'kuregererwa. Izvi zvinogadzirisa zvinhu zveu guarantor (zvakadai semusha, motokari, makeroji ekoroji, mabhizimisi ekurega mari, nezvimwewo) pangozi. PGI yakagadzirirwa kuchengetedza zvinhu zvehutarisiki mumamiriro ezvinhu akadaro.
Kana, mushure mekuvhara mabhizinesi ezvo, mutengesi anotsvaka pfuma yega yega kuti adzorere chikwereti chechikwereti, PGI ichavhara kusvika makumi manomwe kubva kune makumi manomwe emutoro weupurisi, zvichienderana nekutenga kunotengwa uye nemitemo yemutemo.
Nokuvhara kusvika kusvika ku70% yemhosva yemutengo, guardian's PGI inopa iyo inshurenzi netariro yekuchengetedza pasina kubvisa chinangwa chokukunda matambudziko uye kudzorera hutano hwebhizimisi.
Ndiani anoronga PGI Premium?
PGI mutemo wegore negore, ine premium inobva paukuru hwechikwereti uye mungozi dzehutano hwebhizimisi iri pasi. Anokwereta / guarantor anotenga inshuwarisi kuti adzivirire pfuma yavo. Inishuwarenzi inowanikwa kune bhizimisi (s) / guarantor (s) sezvavakaita kune imwe chevimbiso inobatanidzwa nekwereti yezvemari. Coverage inowanzowanikwa chete kwenguva shoma mushure mekuvhara chikwereti.
PGI mutemo wegore negore, ine premium inobva paukuru hwechirongwa chechikwereti uye mungozi yehutano hwebhizimisi uye mari yekubhadhara chikwereti. Ne mhinduro kumibvunzo mishomanana, chirevo chekutanga chingagoverwa. Mari inotanga pasi pe1% yehuwandu hwechigadziro.
Ndiani Anonyatsodzivirira PGI?
PGI yakagadzirirwa kuchengetedza zvinhu zvomunhu anenge akwereta paakaisimbisa chibvumirano chake.
Zvisinei, kugovera zvikwereti zvinogona kugoverwa uye vazhinji vatengesi vanoona kutenga mutemo wePGI zvakanaka sezvo inopa humwe kukosha kune chivimbiso uye inosimbisa chikwereti chiripo pane chikwereti chemabhizimisi.
Zvinokonzerwa neBy Personal Guarantee Inishuwarenzi
Nhamba yemari inowanika pakati pe30% ne70% yehuwandu hwehutano hwehutano hwemunhu, pamusana pevimbiso (s), kusvika kumiganhu ye $ 2.5 mamiriyoni. Chikoro chinowanikwa kune zvikwereti zvizhinji zvemabhizimisi uye zvemabhizimisi (semuenzaniso, mitsara yechikwereti, zvinowiriwa zvikwereti, mvumo yemari, yezvokutengeserana kwemaimba, nguva yezvivako uye zvekutengesa mabhizimusi) uye, pane zvishoma, zvivako zvekuvaka nekusimudzira. Maripo inofanirwa kuchengetwa zvikwereti zvekubhadhara .Chejiro inowanikwawo kune hurumende yakavimbiswa zvikwereti seGogo reBusiness Administration (SBA) chikwereti.
Asi kugoverwa hakuwanikwi kune zvikwereti zvisingabhadharwi zvikwereti kana mapurogiramu anonyanya kufungidzira.
Izvo zvinowanikwa nekambani yekambani yebhizimisi ibhizinesi-ye-medium-size bhizinesi, kazhinji nemari pakati pe $ 5 mamiriyoni ne $ 100 mamiriyoni, kana yekutengeserana kwemaimba yeimba inokosha pakati pe $ 750,000 uye $ 10 mamiriyoni. Bhizinesi rine maitiro asingagadzirikodhi ekugadzirisa nehuwandu hwemakore mashanu ekugadzirisa ruzivo uye makore matatu echikwata chenhoroondo kana vatungamiri vane nhamba yakaenzana yezvinyorwa mumhizha.
Iyo PGI Inoshanda Sei Bhizimisi Pazvakakanganiswa Pamutero
Mune chikwereti chechikwereti chisina kukwana, vatsigiri (s) vanofanira kuzivisa kambani ye inshuwarisi yakabudisa mutemo. Mumwe maneja wemhosva achapiwa basa rekubatsira varanti vechipupuriro kuti vanzwisise mamiriro ezvinhu, izvo zvinoreve kuti zvinorevei, uye kuti vashandise sei kune kudai.
Zvimwe Pamusoro paMark Ricciardelli
Mark L. Ricciardelli ndiye Mutevedzeri Mukuru uye Mutungamiriri Mukuru, uye Co-Founder weAsterisk Financial.
Verenga zvakawanda pamusoro pezvaunoda kuwana chikwereti chebhizimisi .