Zvese zvaunoda kuti uzive nezvebhangi garandi

Tikugashirei kune ino yakazara chinyorwa pa garandi yebhangi. Kunyangwe iwe uri muzvinabhizinesi, mutengesi kana unongoda kuziva kuti udzidze zvakawanda nezvenyaya iyi, wauya kunzvimbo chaiyo. Zvivimbiso zvebhangi zvakakosha maturusi emari anopa dziviriro uye chengetedzo mukutengeserana kwebhizinesi.

Muchikamu chino, tichaongorora zvakadzama kuti vimbiso yebhangi chii, kuti inoshanda sei uye marudzi akasiyana ezvivimbiso zviripo. Tichaongorora zvakare zvayakanakira nezvayakaipira yekushandiswa kwezvivimbiso zvebhangi, pamwe chete nemamiriro ezvinhu ayo anowanzoshandiswa.

Kunyangwe iwe uchida kunzwisisa nzira yekuwana vimbiso yekubhangi, mashandisiro aunoita mubhizinesi rako zviitiko kana kungowedzera ruzivo rwako pachinhu ichi, takaisa pamwechete ruzivo rwese rwaunoda.

Asi usati watanga, heino premium kudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

🥀 Chii chinonzi garandi yebhangi?

Bank garandi dzinoshanda a chinangwa chikuru zvemabhizimusi madiki. Bhangi, kuburikidza nekushingaira kwaro kune anenge akumbira, rinopa kuvimbika semubatsiri wekutengesa wekutengesa kune uyo anowana vimbiso.

Muchidimbu, bhangi rinoisa chitambi chayo chekubvumidza solvency yemunyoreri, semunhu anosaina akamiririra munyoreri maererano nechibvumirano icho mapato maviri ekunze anopinda machiri.

Somuenzaniso, the Xyz kambani ifekitari ichangobva kugadzwa yemicheka inoda kutenga machira raw materials inosvika zviuru gumi zvemadhora. Iyo raw material mutengesi inoda kuti iyo Xyz kambani inopa bhangi vimbiso yekuvhara mubhadharo usati watumira iyo mbishi zvinhu kune kambani Xyz.

Iyo kambani yeXyz inokumbira uye inowana vimbiso kubva kukiredhiti institution inochengeta maakaundi ayo emari. Iyo bhangi inonyanya kusaina chibvumirano chekutenga nemutengesi. Kana Xyz Kambani ikatadza kubhadhara, mutengesi anogona kuidzosera kubva kubhangi.

🥀 Mhando dzebhangi garandi

Chivimbiso chebhangi ndechemari chaiyo uye nguva yakafanotemerwa. Inonyatsoratidza mamiriro ezvinhu ayo chivimbiso chinoshandiswa kune kontrakiti. Chivimbiso chebhangi chinogona kuva chemari muchimiro kana kushanda-kwakavakirwa.

✔️ Chivimbiso chemari

Aya garandi anowanzo kupihwa pachinzvimbo chechengetedzo deposits. Zvimwe zvibvumirano zvingada kuzvipira kwemari kubva kune mutengi sekuchengetedza dhipoziti. Mumamiriro ezvinhu akadaro, panzvimbo yekuisa mari, mutengi anogona kupa mutengesi bhangi rebhangi rezvemari rinobvumira mutengesi kuti abhadharwe kana arasikirwa.

✔️ The performance guarantee

Aya vimbiso anopihwa pakuitwa kwekondirakiti kana a basa. Muchiitiko chekusashanda, kusashanda kana kupfupika kwekondirakiti, kurasikirwa kwemubatsiri kuchabhadharwa nebhangi.

dira vimbiso dzebhangi rekunze, semamiriro ekunze ekunze kunze kwenyika, panogona kunge paine bato rechina - bhanga remunyori rinoshanda munyika yeanobatsirwa.

🥀 Muenzaniso wenyika chaiyo

Kune muenzaniso wekongiri, funga mugadziri mukuru wemidziyo yekurima. Kunyangwe mugadziri angave aine vatengesi munzvimbo dzakawanda, zvinowanzodiwa kuve nevatengesi vepanzvimbo yezvikamu zvakakosha, zvese zvekuwanikwa uye zvikonzero zvemitengo yekufambisa.

Saka nekudaro, vangashuvira kupinda muchibvumirano neshopu diki yesimbi iri munzvimbo imwechete yeindasitiri. Nekuda kwekuti mutengesi mudiki haazivikanwe, kambani hombe inoda kuti mutengesi atore garandi yebhangi asati apinda muchibvumirano che. 300 000 $ yezvikamu zvemuchina.

Kana mutengesi mudiki akagamuchira vimbiso yebhangi, kambani huru ichapinda muchibvumirano nemutengesi. Panguva ino, kambani inogona kubhadhara 300 000 $ pachine nguva, zviri kunzwisiswa kuti mutengesi anofanira kuendesa zvikamu zvakabvumiranwa gore rinotevera.

Kana mutengesi asingakwanisi kuita izvi, mugadziri wemidziyo yepurazi anogona kutora kubva kubhanga chero kurasikirwa kunobva mukutyora kwemutengesi kwechibvumirano.

Nekuda kwechivimbiso chebhangi, mugadziri mukuru wemidziyo yekurima anogona kupfupisa uye kurerutsa cheni yekugovera pasina kukanganisa mamiriro ayo emari.

🥀 Mari garandi yebhangi inoita marii?

Kazhinji, mubhadharo weGB unobva panjodzi inotorwa nebhangi mune yega yega yekutengesa. Somuenzaniso, isu tinofunga kuti iyo GB yemari inotora njodzi dzakawanda kupfuura kuita GB.

Naizvozvo, komisheni yeGB yemari ichave yakakwira kupfuura komisheni inobhadhariswa kuita kweGB. Zvichienderana nerudzi rweGB, mubhadharo unowanzo kubhadhariswa pakota yega pa GB kukosha kwe0,75% kana 0,50% panguva yechokwadi yeGB.

Kunze kweizvi, bhangi rinogonawo kubhadharisa mari yekushandisa, mubhadharo wezvinyorwa, uye muripo wekugadzirisa. Mune zvimwe zviitiko, bhangi rinoda dhipoziti kubva kumunyoreri, iyo inowanzo 100% yeiyo GB kukosha.

🥀 Musiyano pakati pevimbiso yebhangi uye tsamba yechikwereti

Tsamba yeChikwereti igwaro rezvemari rinoisa chisungo kubhangi kubhadhara kune anobatsirwa kana apedza mamwe masevhisi sezvinodiwa nemunyoreri. Iyo LC ndiyo yakabudiswa nebhanga apo mutengi anokumbira bhangi rake kuti ripe mutengesi kana agamuchira zvimwe zvinhu kana mabasa.

Bhanga rinozodzosa mari yakabhadharwa kubva kumutengi pamwe chete nemari inodiwa. Kune rimwe divi, pasi peGB, bhangi rinongosungirwa kubhadhara kune wechitatu kana munyoreri akasabhadhara kune wechitatu bato kana akasazadzisa zvisungo zvakapihwa muchibvumirano.

A GB inoshandiswa kuisa inishuwarenzi kune mutengesi kubva pakurasikirwa kana kukuvadzwa nekuda kwekusashanda nemumwe mubato muchibvumirano. LC haiwanzo kunzwisiswa seGB sezvavanogovana mamwe maitiro akafanana. Vese vari vaviri vanoita basa rakakosha mumari yekutengeserana kana mapato ekutengeserana asina kumisa hukama hwebhizinesi.

Nekudaro, pane misiyano yakawanda pakati peLC neGB. Misiyano mikuru pakati petsamba yechikwereti nebhangi garandi ndeiyi inotevera:

✔️ muzvarirwo

LC chisungo chinogamuchirwa nebhangi kuita mubhadharo kune anobatsirwa kana mamwe masevhisi akaitwa. Iyo GB vimbiso yakapihwa nebhangi kune anobatsirwa kuti aite mubhadharo wakatarwa kana ukatadza nemunyoreri.

✔️ Basa guru

MuLC, bhangi rinochengeta basa rekutanga rekubhadhara uye gare gare rinotora zvakafanana kubva kumutengi. NeGB, bhangi rinoita kubhadhara chete kana mutengi atadza.

✔️ mubhadharo

NeLC, Bhangi rinobhadhara kune anobatsirwa sezvazvinofanirwa. Hapana chikonzero chekumirira kuti chikanganiso chiitwe nemutengi. NeGB, ndipo chete kana mutengi akatadza kubhadhara kune anobatsirwa ndipo iyo bhangi inobhadhara.

✔️ Maitiro ekushanda

LC inovimbisa kuti mari yacho ichabhadharwa chero masevhisi achiitwa zvinoenderana neyakabvumiranwa. Iyo BG inozvipira kubhadhara kurasikirwa kana mumhan'ari akasazadzisa mamiriro akataurwa.

✔️ Nhamba yemapato anobatanidzwa

Kune mapato akawanda anobatanidzwa mutsamba yechikwereti. Bhangi rinopa LC, mutengi wayo, mubatsiri (wechitatu bato) uye bhangi rinopa zano. Muchirevo cheGB, kune mapato matatu chete anobatanidzwa: mubhengi, mutengi wake uye anobatsirwa (wechitatu bato).

✔️ Relevance

Kazhinji, iyo LC inonyanya kukodzera kana uchipinza uye kutumira kunze zvinhu nemasevhisi. GB kune rumwe rutivi inokodzera zvese zvekutengesa kana zvemunhu.

✔️ Njodzi

NeLC, bhangi rinotora njodzi yakawanda kupfuura mutengi. Kune rimwe divi, neGB mutengi anotora njodzi huru.

🥀 Zvakanakira zvebhangi garandi

Zvivimbiso zvebhangi zvinopa mabhenefiti akati wandei kune mapato anobatanidzwa mukutengeserana kwekutengeserana. Heano mamwe emabhenefiti akakosha emabhangi garandi:

✔️ Kuchengetedzwa kwemari

Zvivimbiso zvebhangi zvinopa kuchengetedzwa kwemari kune vanobatsirwa nevimbiso, kazhinji vatengesi kana vakwereti. Vane vimbiso yekuti mubhadharo wavo uchaitwa, kunyangwe mukwereti asingaremekedze zvisungo zvavo zvechibvumirano. Izvi zvinoderedza njodzi dzine chekuita nekutengeserana kwebhizinesi uye zvinovaka kuvimbana pakati pemapato.

✔️ Kuwedzera kuvimba

Zvivimbiso zvebhangi zvinovaka kuvimbana pakati pemapato ane chekuita nekutengeserana. Iye anobatsirwa ane vimbiso yekuti mubhadharo uchaitwa nebhangi rinopa, izvo zvinogona kukurudzira vatengesi kuti vagamuchire zvirevo zvekutengesa zvakanaka kana kuzvipira kumakondirakiti enguva refu.

✔️ Kufambisa kutengeserana kwenyika

Magarandi ebhangi anonyanya kubatsira mukutengeserana kwenyika, uko njodzi nekusagadzikana kungave kwakakwira. Vanogonesa mapato kukunda zvipingamupinyi zvine chekuita nedaro, misiyano yekutonga uye njodzi dzezvematongerwo enyika, zvichipa kuchengetedzwa kwakasimba kwemari.

✔️ Kuchinja kwezvivimbiso

Bhangi garandi inogona kuchinjirwa kune chaiyo inodiwa yeimwe neimwe transaction. Kune marudzi akasiyana-siyana ezvivimbiso, zvakadai sekubhadhara, nyoro kana vimbiso yekushanda. Izvi zvinobvumira mapato kusarudza vimbiso inonyatsoenderana nemamiriro avo uye kutaurirana mazwi akanaka.

Kuwana chikwereti

Zvivimbiso zvebhangi zvinogona kufambisa kuwanikwa kwechikwereti kumabhizinesi. Nekupa vimbiso yemari kubhangi, bhizinesi rinogona kuwana zvikwereti kana mitsara yechikwereti pamashoko akanaka. Izvi zvinogona kubatsira mari kukura kwebhizinesi kana kusangana nezvimwe zvinodiwa zvemari.

🥀 Kuipa kwezvivimbiso zvebhangi

Kunyangwe zvivimbiso zvebhangi zvichipa zvakakosha zvakakosha, zvakakoshawo kufunga zvimwe zvisingakwanisi. Hezvino zvimwe zvekuipa kwebhangi garandi:

✔️ Mari mari

Zvivimbiso zvebhangi zvinogona kuguma nemitengo yemari kune ari kupa. Mabhangi anowanzo kubhadharisa mari yekuburitsa uye kuchengetedza vimbiso, inogona kuve imwe mari yebhizinesi.

Pamusoro pezvo, mabhangi angangoda chibvumirano kana mari deposits kuti abudise vimbiso, iyo inogona kusunga mari.

✔️ Kuzvipira kwemari

Apo bhangi rinopa chivimbiso, rinoita kuzvipira kwemari kubhadhara muchiitiko chekusatevedzera zvisungo zvechibvumirano nemunhu ane chikwereti. Izvi zvinogona kumiririra njodzi yebhangi, sezvo inofanirwa kugadzirirwa kukudza chivimbiso, kunyange kana ane chikwereti asingakwanisi kubhadhara mari yakavimbiswa.

Izvi zvinogona kukanganisa kukwanisa kwebhangi kuita zvimwe zvikwereti kana kupa mamwe mabasa emari.

✔️ Kuoma uye zvinyorwa zvinodiwa

Madhindindi ebhangi anowanzo sanganisira maitiro akaomarara uye akasimba zvinyorwa zvinodiwa.

Mapato anobatanidzwa anofanira kutevedzera maitiro ebhangi rinopa, izvo zvingada imwe nguva uye zviwanikwa. Pamusoro pezvo, kukanganisa kana kusiiwa mumagwaro kunogona kukonzera kunonoka kwewaranti kana kusashanda.

✔️ Geographic limitations

Zvivimbiso zvebhangi zvinogona kuganhurirwa munzvimbo. Mamwe mabhanga anogona kusapa vimbiso kune mamwe matunhu kana nyika dzinoonekwa kunge dzine njodzi huru. Izvi zvinogona kudzikisira sarudzo dziripo kumabhizinesi anoshanda munzvimbo idzi.

✔️ Kutsamira pabhangi rinoburitsa

Vanobatsirwa nebhangi garandi vanowanzoenderana nesimba uye mukurumbira webhangi rinopa. Kana bhanga rikasangana nematambudziko emari kana kuti mukurumbira waro ukakanganiswa, izvi zvinogona kukanganisa chivimbo muvimbiso uye kukwanisa kweanobatsirwa kuwana mubhadharo waakavimbiswa.

Zvakakosha kunyatsoyera zvakanakira nekuipira kwezvivimbiso zvebhangi usati wafunga kuzvishandisa mune rimwe bhizinesi rekutengeserana.