He aha te mea te auau huamoni i roto i te pēke?

mātātoa whakamahi maha tangata nga ratonga o pareparenga. pūtahi pūtea whakarato loans, putunga, moni whanau. kia tēnei take rawa āta whakatata, a whakatika kahore atu pōauautanga. Ki te te taurewa ia kiritaki e hiahia ana ki te tiki i te auau huamoni iti, ka ka te whakauru i ona ake moni - atu pai. Ko ia pēke hanga ona ake tikanga o te mahi. He aha te mea te auau huamoni me pehea te tātai i te reira?

whakamāramatanga

E rave rahi te iwi whakapono i te mea ko te ōrau 12%, ka ko rite ki te tuhene o te 12% te katoa. Otiia e kore e he pono tenei, kia rite ki tātai tenei tohu te mo te tau. Ki te, hei tauira, puta he taurewa te mo te 5 tau, tatau te ōrau e mo ia tau o te whakamahi o te moni. Kei te whakatupato ia i te toenga. Ko te wā nama atu, te nui te tuhene.

Ki te rēhita o te kirimana kia whakarongo ki te tikanga. pūtahi pūtea katoa ki te tikanga i te ōrau rerekē. Hei tauira, pūkete MFIs hoki te tuhene mo ia ra, me pareparenga te tikanga mo te tau. He aha te mea te auau huamoni i runga i putunga? Ko te nui o te pai, i ako nei ki te kiritaki mō te whakarato rangitahi o moni ki te peeke tenei.

He aha te pānga o te auau?

tātaitia te ōrau i runga i te pūtake o te auau Central Bank. Hei tauira, ki te he te reira 8%, na kahore whakahaere e taea kore whakatarewa moni ki ngā kaitono e i te tuhene o raro. Ko te tikanga e whakaratohia e te ōrau nui ratonga o te pēke.

He he he wā pēnei i te pikinga. Katoa tau i reira ko te hekenga o te moni. Ki te ka tautapa te pareparenga reiti raro, te pai kore.

E ngā te utu o te nama?

Me nama ki te mohio e kore te mea anake te auau huamoni, engari e ngā nama. Kei te tatau te reira i runga i te pūtake o:

• te taumata o te pikinga, i Russia he reira e pā ana ki 7% he tau;
• e kore e te pēke puta ona ake pūtea mō tenei whakaaro kua ia pūtea: moni e hiahiatia ana mo te tiaki o putunga, e kua whakaurua i te taurewa;
• i roto i ētahi wā, kei te tango pareparenga te moni tarewa i te tahi atu whakahaere, me kaitono utu auau interbank;
• He he-ahuru kore, e te whakaurua hoki i roto i te utu o te nama i ia pēke;
• Pūkete Bank mo tona whanaketanga: ko reira e tika ana ki te utu i nga utu o ngā kaimahi, te tahi atu utu, hoki nei te aufauraa i hoki ia kiritaki.

I runga i enei ture tātai taea te mea e auau huamoni taua. Tenei utu paremata o te pēke mo ona ake hiahia, me mo te pai.

auau huamoni nama iti

Pinepine e taea e koe te kitea pareparenga, he tino iti nga ngä päpätanga huamoni. Katoa nama e hiahia ana ki te tiki i te moni, e kore e ki te overpay te rota. Otiia e kore e ara he auau iti tohu e ka cheap te taurewa.

pānuitanga o te pēke, kua tohua tonu te auau huamoni i raro ia tau. Taua ratonga he he torutoru anake kiritaki. I roto i te meka ko reira he gimmick, engari te auau tūturu ka mohio te nama i muri i te whakarerenga o te tono me te tāpaetanga o ngā tuhinga. takoto ana te ōrau e te whakaea o te nama, tona hītori nama me ētahi atu āhuatanga. Ki te whakanui ake i te moni pēke hipokina ona tūponotanga, te whakaōkawa i tētahi kawenata ki te nama.

He auau iti korero pukapuka. Ka riro i te Bank tonu ratou painga, engari puta te nama te utu e whai ake nei:

• utu inihua;
• utu mō te whakatuwhera me te whakaū i ngā pūkete o nama;
• whaina me whiu mo roa;
• utu mō te utu wawe;
• utua ngā mōhiohio poto, me te tahi atu ratonga.

I mua i te hainatanga i te kirimana kia āta pānui i te kōrero e kei roto i te reira. Ko reira tika hoki ki te ako i te tohunga he aha atu utu i koe ki te utu i te pēke. Anake i kaiutu Kamupiri i te whai wāhi ki te whakamahi i ngä päpätanga huamoni iti i roto i te 2016.

auau mōrahi

I roto i te rängai pēke mahi rite te ōrau iti me te mōrahi. whakaritea tenei e te ture o nāianei. E kore e taea e te nama e neke atu i te 57.3% te tau. Neke atu i te wa, kia huri i tenei ahua.

he pono hoki pūtahi pēke me ngā pūtahi microfinance runga reira e kore e mahi tenei. Ko Ko te aha te tata tangata karaati moni i 500-800% te tau.

momo o peti

päpätanga huamoni i roto i pareparenga he aumou, rawa hoki taurewa kiritaki me mōkete. E takoto ratou ki te haina i te kawenata, ka puta te kiritaki e te hōtaka o te moni. Kawea ki runga, me te whakaoranga.

Ko te mānu i te ōrau me te aha takoto te kaimahi kei te ki whakatupato i te kiritaki i mua i te hainatanga o te kirimana. Tenei te tikanga e te kaituku hanga he whakatau ki te huri i te rahi o te tuhene. A ki te kawenga kiritaki utu i te ōrau whakaritea. Taua tikanga te nuinga mahi i roto i te kāri nama e kore he e painga ki te taupori.

Me pēhea te ki te tāuta i tētahi tuhene?

Tāuta utu marama whakaritea e te pūnaha o te utu o te nama. He hōmai me rerekëtanga ia. I roto i te take tuatahi, he rite ki te aroaro o te rā kati mō te utu moni katoa. A i roto i te rua i te whakatinanatanga puta nui whakaiti marama.

Te whakatau i te tuhene i runga i te pae o ia institution. Ki te mahi i tenei, i reira ko te pūnaha onalayn-tātaitanga, engari ka kia whakaratohia ngā mōhiohio motuhake ki te kaimahi. kia whanau te reira i roto i te ngakau e kore ko te ōrau te utu whakamutunga o te taurewa, te pareparenga ngā atu utu me kōmihana. Ka taea te whakaritea i tēnei i te whakaaetanga nama. ngä päpätanga huamoni i runga i putunga tautuhi hoki i roto i tenei tuhinga.

Me pēhea te ki te whakaawe ngä päpätanga huamoni?

Banks whakahere ki kiritaki tikanga rerekē katoa, ahakoa he hōtaka nama kotahi. whakaritea ana tēnei e te meka i tangohia i te whakatau ki te tukua mai te pūtea taurewa kei i runga i te pūtake o te tuhinga tuku. Ko te utu whakamutunga o te taurewa tei runga i ngā āhuatanga pērā i te taumata o te utu, te aroaro o te taunaha, mana hītori nama, tau.

Me he mahi pūmau ki te utu nui, wheako taonga mahi, me te hītori nama pai ki te whiwhi ngā pai. Ko ka, mo te tauira, kua te utu wawe o loans te nama, e taea te whakaturia te ōrau nui. Ko te take hoki tenei ko te mate o te pai o te pēke, ki te mea i reira te mea he utu tōmua.

auau Marketing - he aha te mea te reira?

Tenei momo o te bet tikanga e wātea ana i roto i showrooms. Pai 0%, e mahi rite mau fafauraa e kore e tono ki te tuhene i runga i te pūtea taurewa pēke. Marketing tā whiwhi pä auau mō te taonga i roto i te nui o te moni e pai ai ki te utu i te pēke. whakarārangitia te kirimana mo te utu hoko o te motokā i te hekenga, ka ko reira ki runga ki ka tenei kaupapa e tātai ōrau. Ko te tikanga ko reira 10-12%.

Ki te kore e rite ki te 0, ka he hekenga i runga i te nui o te rerekētanga o te hokohoko me te pēke reiti te taupū. Ko te kaihoko moni utu te pareparenga i runga i te pūtake o te kirimana. Ka rite ki te hua, whiwhi te kaihoko i te motokā i te utu o raro. Anake e kore ia i tiaki ki te whakaaro o koutou pūtea, me te āta pānui i te kirimana. E mea pinepine, ina e hanga taua whakawhitinga i roto o te inihua, e whai te ōrau nui.

Ko te kupu, ki te hiahiatia, tukatuka te taurewa kia kia waia ki te rahi o te moni, me ngā āhuatanga atu. Ētahi pareparenga utu me ngā kōmihana e whakaurua kē i roto i te auau ā-tau, a kore e reira utu anō kia hiahiatia. Engari kia rite ki te mea nui ki te nama te utu o te nama, e kia iti pai hoki ia i te kōwhiringa o muri. Anake, ki te makona te kiritaki nga tikanga katoa, ka taea e ia te utu ake te kirimana.