Mari Yakaoma Njodzi Ndiyo Sarudzo kana Mutambo Wemari usati uri
Chii chinonzi Hard Money Loan?
Mari yechikwereti chakaoma ndeye mungozi yakakosha-based based loan inoshandiswa nemakambani asingagoni kukodzera kune mamwe marudzi emari yekubhadhara mari yavo.
Kana purojekiti inouya mune imwe bhizimisi shoma inoda kuisa kana kana kambani yakashandisa mitsara yavo yekwereti, inogona kutora mari yakaoma zvikwereti kune zvavanoda. Mari yakabhadhara mari yakawanda inowanikwa nevateresi vemari, mabanki, makambani ekubhadhara mari, uye kunyange Small Business Administration . Mari yakakweretesa yakaoma, kumabhizimisi mashomanana, inofanira kushandiswa chete nekuda kwekuda kwekukurumidza nekuda kwekukwereta kwayo kwekuda.
Iwe Unofanirwa Sei Nekuda Mari Yakabhadhara?
Mari yakabhadhara mari yakaoma haisi yekwerekiti yemunhu anenge akwereta. Pane kudaro, ivo vanobva pane zvaunogona kupa kune anokweretesa. Chikwereti chako chikoro hachiwanzoonekwa. Chengetesa iyo iwe unogona kupa iyo chikwereti inofungidzirwa kuti ive mari yakaoma chikwereti. Kazhinji, kukosha kwose kwebasa hakushandiswi. Pane kudaro, chikwereti chinokoshesa chiyero chinoverengerwa kune mari yakaoma chikwereti. Mari yechikwereti ichikoshesa chiyero chikamu chemari yeimba.
Kana zvikwereti zvaunopa kune chikwereti hazvikwanisi kuchengetedza chikwereti, iwe unogona kugovera zvinhu zvako kuti uwane chikwereti.
Chii Chikwereti Kukoshesa Ratio?
Chikwereti kuti chikoshese chiyero chechikwereti chakaoma mari chinotarirwa semari yekwereti / kukoshesa kwechidziro cheimba. Izvo zvakakwirira muyero, zvakanyanya kuoma kuti uwane chikwereti.
Kazhinji, mari yakaoma vanokweretesa chikwereti inenge 70% yehuwandu hweimba. Mari yechikwereti ichikoshesa chiyero chikamu chekuda kwevateresi.
Heino muenzaniso. Ngatitaurei kuti XYZ Company inoda kushandisa purojekiti inosvika $ 125,000. Vanoda kukwereta $ 90,000 kuitira kuti vashandise mune iri purojekiti, asi havagoni kuwana mari kubva kune chero mutsika chikwereti. Vanosvika kune anonyanya kukopa mari yevatengi vanoverenga chikwereti chavo kuti vaone kukosha. Chiyero chavo chiri $ 90,000 / $ 125,000 = .72 = 72%. Zvichienderana nemitemo yakagadzirirwa neiyo yakaoma iyo mari yakakweretesa mari, inogona kana kuti isingakwanisi kubhadhara chikwereti 72% chekukosha kweimba yacho. Kana vasina kukwereta 72% yemari yeprojekti, XYZ Company inogona kuswedera kune imwe mari yakaoma chikwereti.
Ndeipi Inofanirwa Nezvimwewo uye Mimwe Mitemo paDhiyabhorosi Mari Yakawanda?
Nharaunda dzinodarika dzakawanda pamari yakaoma mari yakakweretwa kupfuura iyo iri pamabhadharo emabhizimisi emagariro. Chikonzero chacho ndechekuti mari yakaoma mari chikwereti inotyisa kupfuura mari yechikwereti. Imwe mitemo ine mari yakawanda yemari chikwereti haisiwo yakanaka kudarika mari yechikwereti.
Nharaunda dzinotanga kutanga pairi kusvika 12% uye dzinofamba kusvika ku 29%. Mabhizimisi maduku kazhinji anowanzobhadhara 4% - 8% mumatunhu. 70% chikwereti chinokosha chinowanzo chikwereti chikuru chekukoshesa chiyero chekukweretesa mari yakaoma achabvuma.
Bhiribha yebhadharo inogona kudiwa pane imwe nzvimbo munzira. Izwi rechikwereti kazhinji kfupi - rakapfupika semakore 1-5.
Hard Money Vakweretesi
Vashandi vanokwereta mari ndivo vanhu kana makambani ane mari yakawanikwa yekushambadzira. Kuti vave mari yakaoma mari, vanofanirwa kuchinja uye vanogona kufamba nokukurumidzira kuti vashandise kushandisa mari yekukweretesa mumusika. Hazvirevi kumirairo yakaoma yezvikwereti zvebhizimusi zvebhizimisi uye zvemabhizimisi emadzitateguru.
Kunyangwe iwe unofanirwa kupfuurira kuburikidza nehuwandu hwemari hunokweretesa mari kuti uwane imwe inokodzera zvido zvako, zvose zvaunofanirwa kuita ndeye nyore kutsva paIndaneti kuwana mazana emakambani anotora mari yakaoma kukweretesa.