Business kwezvikwereti. Anokweretesa diki uye svikiro kadikidiki mabhizimisi

upfumi vari kuvhura bhizimisi idzva. Entrepreneurs Vazhinji vari kutendeukira kuna nawo mabhanga. Zvinodzidzisa zvakasiyana-siyana zvirongwa hwaro bhizimisi. kunyoresa nzira iri refu zvikuru uye unofanira kuunganidza yakawanda mapepa ake. Zvikwereti zviduku uye svikiro kadikidiki mabhizimisi chichava chisarudzo chakanaka, kana kwete upfumi zvahwo.

mamiriro chokuwana

Kuita zvikwereti nemasangano akawanda sokuti. Anokweretesa diki uye svikiro kadikidiki mabhizimisi inowanika anotevera ezvinhu:

1. The makasimba anofanira pamutemo kuti akanga vose magwaro.
2. Banks vanofanira kupa zvebhizimisi mabhizimisi kuronga. Panguva uchibvunzurudzwa vachafanira kutiudza pamusoro renyu chiratidzo.
3. chikwereti Masangano vanachiremba vanoita Masvomhu avo kutsiga kambani, saka unofanira kupa zvakafanira mashoko, mashoko Zvaifungidzirwa.
4. Kukweretesa mabhizimisi duku uye svikiro kadikidiki anopiwa pamwe pamberi pfuma iri pfuma.
5. Ndakaongorora vatengi kuvimbika. Kana chikwereti iri rakapa musi IP, tarisa mukwereti pachako. Credit Nhoroondo anofanira kuva akanaka.
6. Kuvapo guarantors uye co-anokwereta kunowedzera mukana kufarirwa chikumbiro nokuda chikwereti.
7. Inishuwarenzi mune mabhanga mazhinji anonzi kuva fanira basa.

Chete mumamiriro ezvinhu akadaro zvingangodaro application akatendeka. Mukuita chisarudzo chakanaka rinotanga mureza nzira rokunyoreswa.

Mhando chikwereti zvinogadzirwa

Kukweretesa diki uye svikiro mabhizimisi rakakamurwa marudzi anotevera:

• kuvavarira;
• zvisingakuvadzi.

Vanosarudzwa zvikwereti anoshandiswa nokuda kwezvinangwa chaizvo, izvo nezvaro kondirakiti. Somuenzaniso, nokuti kutenga zvokuvakisa. Kana muripo chinoitwa kuti counterparty, mari vari yasimbiswa kuburikidza magwaro. Izvi zvinogona kusanganisira makopi zvibvumirano, kutumirwa magwaro.

Unearmarked Credits vari rakapa neipi chinangwa. Pamusoro chionekeso kwayo, zvadonherwa basa kubhadhara yakatsiga kubhadhara uye kuti vataure havashandisi mari yeGmail.END_STRONG hakudi. Kufarira rate pamusoro zvikwereti vasiri chipfuro rinowanzova kupfuura chipfuro.

zvirongwa

Mumwe chikwereti purogiramu diki uye svikiro mabhizimisi ane yayo zvinhu kunyoresa. Ivo anowanika mubhengi kana nokubatsira mazano. Zvino chirongwa anopa zvinotevera mabhanga:

• Sberbank. The chigadzirwa unonzi "Business Start". Pane mukana yokuwana zvikwereti pasina rubatso, asi vanoda guarantors, uye chikamu chokutanga chakabudiswa. The zvazvingava iri 17-18%, uye uwandu 100 zviuru. Rubles kusvika mamiriyoni 3. The chikwereti nguva iri 6-36 mwedzi.
• Rosbank. Rakapa kusvika mamiriyoni 40. Rubles kuti vaifanira 5 makore. The zvazvingava ndiyo 12-16,5%. Unofanira kuripa imwe-nguva nebasa uye kupa rubatso pfuma wekambani.
• TCB. Institution anoda kuti ape siyana zvirongwa zvebhizimisi: kutanga, yakananga achiposa anoreva nhema, factoring. Rates kutanga 15% uye Verengai akaenzana 30 mln. Rubles.
• "VTB 24". The Bank inopa wokurarama chikwereti, yebhizimisi chikwereti, pakatanga kushanda guru. Rates siyana 9%, uye uwandu 850 zviuru. Rubles. kukweretesa kumwedzi akaenzana nemwedzi 120.
• "Alfa-Bank". Zvikwereti vanopiwa kusvika 3 years. Kufadza 6 Mill. Rubles pasi 15%. The Bank haatarisiri nourongwa anondibatsira. Patichakurukura chikumbiro unofanira kubhadhara 2% of chikwereti ukoshi.

Zvinofanira vanyorwa mari Bank

Chokutanga, unofanira kuonana kubhangi kuti achirumbidza SME. Vanhu vazhinji munyika yedu vari kutendeukira kuna Sberbank. Zvino unofanira kunyoresa mutero sechipiriso PI. Zvakakosha kuziva kodzero chirongwa, vari vadyidzani of mari Bank. Zvakakodzera kusarudza zvakarurama kodzero.

In chirongwa chacho zvakafanira kusika chirongwa mubhizimisi: kuumba yokutengesa plan, kuona nzvimbo muhofisi uye pakugadzirisa nyaya dzasara. Next, unofanira kuunganidza mapepa kuti zvikwereti: pasipoti, taxpayer zvitupa nhamba, chitupa IP mubhizimisi kuronga. With izvi rikashandiswa kuti. Zvinofanira kugadzirira zvokushandisa (30% wokutanga mubhadharo). Pashure yakanaka Mutongo akaita chibvumirano. Sberbank Kazhinji rinobvumira application, kana nemhosva akasarudza mumwe kodzero naye.

basa mari

Entrepreneurs Vazhinji vari kutendeukira kuna anomukweretesa Fund SME. Vanoita sezvo guarantors nokuda kwezvikwereti kutanga bhizimisi. Vanamuzvinabhizimisi vanofanira kushandisa kuti chikwereti kubhengi, kuzivisa akamutenga chido ehurumende kutsigira sangano.

Ipapo bhanga iri kufunga chikumbiro, kufungisisa zvose. Kana zvakanaka sarudzo anoitwa tripartite chibvumirano. Kazhinji atingaite achiposa kuti zviduku, svikiro mabhizimisi anotora chikamu chiduku. Maererano ichi zano basa, mabhanga mazhinji, asi kwete mose.

Recommendations nokuti anokwereta

At kwemamiriro kutengeserana anofanira kuziva chibvumirano, kuti zvimwe kusawirirana akasimuka. Unofanira pakarepo kubvunza mibvunzo nyanzvi. Kana basa kunobatsira, zvinokurudzirwa kubhadhara chikwereti mangwanani, sezvo vakawanda kufarira kunobatanidzwa mumwedzi vachibhadhara okutanga.

Anokwereta vanofanira kufunga nuances zvinotevera:

1. zvikwereti aya wakabudiswa pamusangano zvakakwana yakakwirira mwero mhindu. Naizvozvo, kana imi kuita pasina pavo, zviri nani kwete kuzochera zvikwereti mari yakadaro. Asi kana ukaita izvozvo zvichiri zvikasashanda, unofanira kunyatsoongorora kuchigaro chikwereti kugadzira nzira.
2. Kuti mari mubhengi chisarudzo yakanga yakanaka, zvakakodzera kusika rakasiyana bhizimisi urongwa. понятно, нужны ли средства, и как будет распределяться прибыль. Kubva zvichaitika pakarepo pachena kana mari anodiwa, uye sei mari zvichabviswa anoparadzirwa.
3. Yokufarirwa ndiye muridzi bhizimisi, zvakare, inoita basa rinokosha. Naizvozvo zvakafanira kuti ape chizvidavirire zvinyorwa kuti uwedzere mikana yako sechikwereti. mapepa All inofanira kunyorwa nomazvo.
4. The Bank inofanira kuzviisa chirongwa bhizimisi, izvo zvichaita kuti chinyatsotsanangurwa zvose Bhizimisi sangano. Kana ari vaizotibata, kazhinji chikumbiro akatendeka.

Anokweretesa diki uye svikiro kadikidiki mabhizimisi ane mukana mukuru nemabhengi. Kana takasimba kuenda kusauka, tsika zvemari kunogona kurasikirwa nemari. Saka kazhinji zvinoda mapepa ari pamberi pfuma, uyewo guarantors, co-anokwereta. Chete kana kutevedzera zvizere chinowanzoitika kufarirwa chikwereti zvebhizimisi kukura.