Dzidza Nezvemari Yenguva refu Yakazara uye Yakazara

Chikwereti Kubhadharira Bhizimisi Rako Kudiwa Kwekuda

Zvose asi zviduku pane zvemabhizimisi zvingashandisa zvikwereti zvose uye kubhadhara mari yakakwana mukubhadhara mabhizinesi avo. Bhengi yebhadhiro kuburikidza nemabhengi emabhizimisi ndiyo nzira inowanikwa yekuwana chikwereti chemari. Mabhizimisi ane zvido zvezvikwereti zvenguva pfupi, zvikwereti zvenguva refu, uye zvikwereti kwenguva refu. Ichi chinyorwa chichatarisa kune zvikwereti zvemazuva akawanda zvebhizinesi uye mabhizimisi emabhizimisi mashoma-peri uye nei mabhizimisi maduku achida uye anoshandisa zvikwereti zvebhizimisi kwenguva refu mumabhizimisi avo.

Nguva yemari yakwereta ine matanho akasiyana, asi zvinangwa zvakasiyana.

Zvikwereti zveMakore Akareba

Bhizimisi yemari yezvikwereti zvinowanzoendesa zvakagadziriswa maturities uye chibereko chekuda uye pamwe chete nemwedzi wegore kana wekubhadhara kwedzimwechete. Chikwereti chenguva refu chinowanzova nekukura kwemakore matatu kusvika kune gumi, kunyange zvazvo nguva refu-bhizimisi yebhanji inogona kutambanudza kusvika makore makumi maviri zvichienderana nechinangwa chayo.

Nguva yakareba iyo mabhenji emabhengi nguva dzose anotsigirwa nekambani yekambani, kazhinji mumhando yezvinhu zvekambani. Zvibvumirano zvezvikwereti zvinowanzo dzine zvibvumirano zvisingabvumirano zvichitsanangura izvo kambani inokwanisa uye haigone kuita mari munguva yekwereti.

Somuenzaniso, bhangi ringarondedzera kuti kambani haigone kutora chikwereti chakawanda munguva yehupenyu hwekwereti kwenguva refu. Zvikwereti zvemazuva mazhinji zvinowanzobhadharwa nemari yekambani inoyerera pamusoro pehupenyu hwechikwereti kana nehuwandu hwehuwandu hwebatsiro hunoiswa pachinangwa ichi.

Chinangwa cheMari Yenguva refu

Mabhizimisi anofanira kunyanya kutevera mutemo wekubatanidza urefu hwekubhadhara kwavo kune hupenyu hwehupfumi hwavari kuwana mari.

Saka, kana bhizinesi richida kuita hukuru hwekuvandudza hukuru, sekutenga chidimbu chezvigadzirwa zvekugadzirwa kwavo izvo zvichagara kwemakore 10, chikwereti chemakore emakore chine nguva refu chingava rudzi rwakakodzera rwekubhadhara mari. Chikwereti chemabhizimisi kwenguva pfupi chakanga chisina kukodzera munyaya ino. Kana bhizinesi richida kutenga zvigadzirwa zvemari, zvivako, mamwe mabhizinesi, kana kuita zvirongwa zvokuvaka, chikwereti chenguva refu ndiyo nzira yokuenda nayo.

Kubhadhara Imari Yenguva Yakareba Bhizimisi

Zvikwereti zvemazuva mazhinji zvebhizimisi zvakaoma kumabhizimisi ekutanga kutanga. Kazhinji, mabhizimisi chete akatsigirwa nemamwe makore ekubudirira kwemari anotenderwa kwenguva refu yemari bhizimusi. Bhizinesi rinofanira kubudisa bhizinesi ravo rezvebhizimisi uye makore akawanda emashoko ezvematongerwo enyika ehutano kuitira kuchengetedza chikwereti chenguva refu.

Mukuwedzera, inofanirwa kugadzirisa matanho emari anofanirwa kutarisirwa kuti aratidze kuti inogona kudzorera chikwereti. Pamberi pebhizimisi shoma rinotsvaka chikwereti chenguva refu, inofanira kugara ichienzanisa mari yekukwereta nemari yekubhadhara zvinhu zvavari kutsvaga kuti vawane mari. Nhamba yezvikwereti pane chikwereti chenguva refu inowanzowanikwa mazita mashomanene ari pasi pasi pezvikwereti zvezvikwereti pane chikwereti chenguva pfupi mumamiriro ehupfumi.

Kana iwe uchiziva nezvekutanga kwekufarira , iwe unogona kuwedzera huwandu huno kune izvo uye unouya nechimwe chinhu chiri pedyo nechitengo chekuda kubhengi ichabhadhara chikwereti chako. Aya mazano mashomanana acharatidza kuti inotyisa sei iyo inonzwa kuti iwe ndeyekambani. Iko riskier kambani yako, iyo inowedzera mapepa ayo ichawedzera kune yepamusoro yehuwandu hwekufarira. Mukuongorora dambudziko rekambani yako, mabhendi anotarisa 5C yemari yechikwereti yekambani yako.

Kubhadhara Mari Yenguva refu

Kunaka kwekutora chikwereti chenguva refu kunobva pane zvinhu zvakawanda kusanganisira bhengi rawakasarudza kuita bhizinesi, simba rezvemari rekambani yako, uye hutano hwehupfumi.

Munguva yeKutora Kubva, chikwereti chave chakaoma kwazvo uye zvikwereti hazvina kuve nyore kuuya.

Iwe Unogona Kuwana Zvakawanda Sei Nokushandisa Mari Yenguva refu

Zvikwereti zvenguva refu zvinotanga pa $ 25,000 uye zvinokwira kusvika ku $ 200,000. Mari yakawanda yaunoda, inonyanya kugadziriswa inogamuchirwa inova.

Kuti Mutengo Wemagariro Akapfuura Unopesana Sei Nemari Yenguva Yakareba?

Mibairo yepakati-kati inowanzova nenguva yekukura kwemakore 1-3. Dzinoshandiswa kubhadhara zvinhu izvo zvisingagari kwenguva refu mumasikirwo akadai semakombiyuta masangano anogona kunge ane hupenyu hwehupfumi hwemakore matatu chete. Maripo inowanikwa kubhangi pamwedzi kana pamwedzi. Kubvumirwa kwekukweretesa kwemari chikwereti nguva inenge yakaoma sezvinongoita chikwereti chenguva refu.