Unhu - Unyanzvi - Dhaka - Guta
Mabhanki anotarisisa kune avo vakwereta vasati vatengesa mari, kunyanya munguva dzakaoma dzehupfumi dzakadai.
I # 1 chikonzero mabanki anotaura kwete chekukweretesa kwemabhizimisi maduku "chikwereti," zvose chikwereti chakashata nekushaiwa chikwereti.
Kunyange zvazvo zvikwereti zvikwereti zvakafanana, vateresi vanotarisa zvikwereti zvebhizimisi zvakasiyana nemari yemari. Anokweretesa anotarisa kunyanya kune chikwereti chebhizimisi.
Zvakanaka kune bhizimisi riripo, asi zvakadini nebhizimusi yokutanga ? Munyaya iyi, mutengi anofanira kusanganisira chikwereti chemuridzi webhizimisi.
Nokuti zvikwereti zvebhizimisi ndizvo zvakanyanya kuipa kune chero rudzi rwechikwereti, vateresi vanonyanya kuomesa nemitemo yavo. Usashamisika kana nhoroondo yako yekwereti ichiongororwa, pamwe chete nechikwereti chebhizimisi.
Ndezvipi mabhengi anotarisa mubvumirano yavo yekubvumirana kwezvikwereti zvebhizimisi zvinogona kuiswa muchidimbu mune zvinotevera, zvinonzi "4 C's Credit."
Unhu hweKwereta
Unhu hunoreva nhoroondo yemari yemunhu anenge akwereta; iyo ikuti, rudzi rwei "vagari vemari" munhu uyu kana bhizinesi? Unhu huzhinji hunotsanangurwa nekutsvaga chikoro chechikwereti, kunyanya sezvazvakataurwa mune chikwereti chikamu (FICO score). Zvimwe zvichaita kuti chikwereti chako chikwereke chinosanganisira: Kudukusa matambudziko, iyo inowedzera chikwereti chekwereti. Chikwata chikuru chekwereti (kupfuura 700) chinogona kuva chinhu chinokosha pakuwana chikwereti chebhizimisi.
- Zuva rekubhadhara
- Nhoroondo dzakawanda
- Chikwereti chiripo
- Total chikwereti
Bhizimisi uye chikwereti chairo chiri zvinhu zviviri zvakasiyana. Mazhinji mabhizimisi matsva haana bhizimisi rebhizimisi, saka ivo vanofanira kushandisa chikwereti chavo chevadzidzisi vavo. Mumamiriro ezvinhu akadaro sezvikwereti zvebhizimisi uye zvikwereti, muridzi angave achida kupa mvumo yega.
Unyanzvi hwokuripa
Unyanzvi hunoreva kukwanisa kwebhizimisi kuunza mari kuitira kuti udzorere chikwereti. Sezvo bhizimisi idzva risina "rekodi yepamusoro" yezvikwereti, iine ngozi kune bhangi kuti iongorore. Kana uri kutenga bhizinesi , simba riri nyore kunzwisisa, uye bhizinesi rinogona kuratidza mari yakanaka yekuyerera (uko mari inodarika mari) kwenguva yakareba ine mukana wakaisvonaka wokuwana chikwereti chebhizimisi.
Imari Yepamusoro Yebhizimisi
Guta guru rinoreva hupfumi hwebhizimisi. Imari yemitengo inogona kusanganisira mishonga nemidziyo yekambani yekugadzira, pamwe chete nekugadzira michina, kana zvigadziro kana zvigadzirwa zveresitorendi. Mabhangi anotora hukuru, asi nehumwe kubvumira, nokuti kana bhizinesi rako riri, rinosara nezvinhu zvakaderera uye zvinofanira kuwana nzvimbo yekutengesa zvinhu izvi, pakunatswa kwemari. Iwe unogona kuona kuti sei, kune bhangi, mari ndiyo inonyanya kukosha.
Nhaka yekuchengetedza chikwereti
Dhaka ndiyo mari uye zvinhu zvinotengeswa nomuridzi webhizimisi kuti awane chikwereti. Mukuwedzera pakuva nechikwereti chakanaka, simba rinopupurirwa kuita mari, uye mabhizinesi, mabhanhire anowanzoda kuti muridzi apike mari yake pachake sehuviriro chechikwereti.
Mabhanki anoda kubhadhara nokuti vanoda kuti bhizimisi wemabhizimisi aitambure kana bhizinesi richikundikana. Kana muridzi wega asingafaniri kuisa chero pfuma yake, anogona kungoenda kubva kubhizinesi rekusimbisa uye rega bhanhire ritore zvarinokwanisa kubva kune zvinhu. Kuva nedambudziko mumatambudziko kunoita kuti muridzi wemabhizimisi awedzere kushanda kuitira kuti bhizinesi riende, sezvo mabhangi achizvifunga.
Kuwedzera kune 4 C's Credit
Sezvaunogona kuona, kana zvasvika kune chikwereti, kutaura kwekare kuti "mabhenji chete anokwereta mari kune avo vasingadi" ndeyechokwadi. Kuti uwane chikwereti chemabhizimisi, iwe unoda ku:
- Iva nekodzero yakaisvonaka yekwereti , zvose zvevanhu nebhizimisi
- Iva nekugona kuratidza kuti bhizinesi rako richaita zvikwereti kubhadhara chikwereti chebhangi
- Ratidza kuti mabhizinesi ezvo ane kukosha kana zvichida kutengeswa kuti abhadhara bhangi, uye
- Vimbisa zvinhu zvako pachako kana bhizinesi risina kukwana kana kuwana mubatanidzwa wekodzero ane mari yekuita rubatso.
Mune zvimwe zviitiko, zvingava zviri nyore kungotora mari yako uye enda kutanga bhizinesi rako.