Ta yaya yake da sauƙi don samun ƙaramin lamuni ko daraja don kasuwancinku?
Barka dai, ni da abokina muna shirin ƙirƙirar ƙaramar kasuwancin kera kayayyaki. Muna da kuɗi don halitta da ci gaba, amma ba mu da tabbacin cewa za su isa gaba ɗaya kuma muna iya buƙatar rancen kuɗi. Faɗa mini, yana da wuya a sami lamuni don kasuwancinku kuma a wane yanayi ya fi sauƙi samun sa? Anton Chingarov, Samara.
Af, shin ka ga yadda dala ta riga ta kai darajar? Fara samun kuɗi akan banbanci a canjin canjin anan!
Af, kamfanoni masu zuwa suna ba da mafi kyawun yanayi don lamuni:
| Matsayi | Kwatanta | Karba lokaci | Mafi yawa adadin | Mafi qarancin adadin | Shekaru iyakancewa | Zai yiwu kwanakin |
|---|---|---|---|---|---|---|
| 1 | Hannun jari | 3 min. | RUB 30,000 Wurin biya! | Rubuta 100 | 18-65 | 7-21 kwanakin |
| 2 | Hannun jari | 3 min. | RUB 70,000 Wurin biya! | RUB 2,000 | 21-70 | 10-168 kwanaki |
| 3 | 1 min. | RUB 80,000 Wurin biya! | RUBU 1,500 | 18-75 | 5-126 kwanaki. | |
| 4 | Hannun jari | Minti 4 | RUB 30,000 Wurin biya! | RUB 2,000 | 18-75 | 7-30 kwanaki |
| 5 | Hannun jari | - | RUB 70,000 Wurin biya! | Rubuta 4,000 | 18-65 | 24-140 kwanaki. |
| 6 | Minti 5. | RUB 15,000 Wurin biya! | RUB 2,000 | 20-65 | 5-30 kwanaki |
Yanzu bari mu dawo kan batun labarin mu mu ci gaba.
Af, kamfanoni masu zuwa suna ba da mafi kyawun yanayi don lamuni:
| Matsayi | Kwatanta | Karba lokaci | Mafi yawa adadin | Mafi qarancin adadin | Shekaru iyakancewa | Zai yiwu kwanakin |
|---|---|---|---|---|---|---|
| 1 | 3 min. | RUB 30,000 Wurin biya! | Rubuta 100 | 18-65 | 7-21 kwanakin | |
| 2 | 3 min. | RUB 70,000 Wurin biya! | RUB 2,000 | 21-70 | 10-168 kwanaki | |
| 3 | 1 min. | RUB 80,000 Wurin biya! | RUBU 1,500 | 18-75 | 5-126 kwanaki. | |
| 4 | Minti 4 | RUB 30,000 Wurin biya! | RUB 2,000 | 18-75 | 7-30 kwanaki | |
| 5 | Minti 5. | RUB 15,000 Wurin biya! | RUB 2,000 | 20-65 | 5-30 kwanaki |
Yanzu bari mu dawo kan batun labarin mu mu ci gaba.
Sannu Anton! Mutane da yawa suna mafarkin fara kasuwancin kansu. Amma wasu an dakatar dasu ta rashin ilimin da ya kamata, gogewa, rashin jari na farko, kuma, tabbas, shakkar kai. Waɗanda suka fi ƙarfin hali suna karɓar rance daga banki (Mun rubuta game da fa'idar karɓar rance daga banki a cikin labarin daban).
Ba boyayye bane cewa a kasar Japan da kasashen Turai, kaso dari na rancen kudi don cigaban kasuwanci ya kusan zuwa 40%.
A cikin ƙasarmu, ana ajiye alamar lamuni na kasuwanci a matakin Kashi 1... Irin wannan ɗan ƙaramin adadi yana sanya yiwuwar cin nasara don ci gaban kasuwancinku ƙananan.
Cibiyoyin bashi a Rasha basu aminta da 'yan kasuwa masu farawa ba, tunda yawancinsu basu da kwarewa. Bankunan suna sane da cewa a farkon watannin, da alama, ɗan kasuwar da ba shi da masaniya ba zai sami riba ba, ko kuma zai ɗan yi kaɗan kuma zai ba ɗan kasuwa damar biyan kuɗin yanzu. Don haka, warwarewar mai bin bashi na irin wannan kwastoman yana haifar da shakku sosai.
Samun rancen kasuwanci bashi da sauƙi fiye da samun lamuni don buɗe shi. Amma bankin zai bayar da shi da farin ciki idan ɗan kasuwar yana da ƙwarewar ƙwarewa kuma idan kasuwancinsa yana ci gaba. Nasara da riba a cikin ci gaba za su taka muhimmiyar rawa a wannan yanayin. Kuna iya karanta ƙarin game da yadda ake samun lamuni don farawa da haɓaka ƙaramin kasuwanci daga ɓoye a cikin labarin a mahaɗin.
Don haka, bari mu bincika abin da sigogin bankunan ke mai da hankali yayin bayar da lamuni ko rance.
Sigogi 1. Alƙawari da hujja na kaɗaici
Duk wanda yake da gaske game da yin abin sa, zai zama mai ma'ana da hankali don samun takardar shaidar 2-NDFL. Wannan takaddar za ta tabbatar da cewa mutumin da ke son ɗaukar kuɗi don kasuwancin yana da hanyar samun kuɗin shiga wanda zai ba shi damar yin kaso kowane wata kan rancen.
Hanya ta biyu don shawo kan mai bayarwar ita ce jingina... A wannan yanayin, bankuna, a ƙa'ida, suna da taushi kuma sun fi son bayar da lamuni.
Koyaya, babban rashi anan shine jingina zai rufe fiye da kashi 70-80% na rancen. A wannan yanayin, ya fi fa'idar sayar da gida da samun 100% na darajarta. Koyaya, zaku iya zuwa siyar da gidaje kawai idan aron yana da wurin zama. Bankuna, duk da haka, sun fi son ganin ƙasa maimakon motoci da tsare tsare a matsayin jingina. Dukkanin dabarun da cikakkun bayanai na irin wannan lamunin an bayyana su a cikin labarin - "Yadda ake samun lamuni ta hanyar mallakar ƙasa."
Siga 2. Garanti
Wata fa'ida mai amfani yayin neman rance na iya zama mai garantin. Lamuni, a matsayin mai ƙa'ida, ya ƙunshi mutanen da ba su da dukiyar da za su bayar a matsayin jingina ko wata hanyar samun kuɗi. Idan babu masu ba da garantin, to muna ba da shawarar cewa ka fahimci kanka da kayan - "Yadda za a karɓi rance ba tare da takaddun shaida da masu ba da garantin ba tare da ƙin yarda ba."
Siga 3. Tsarin kasuwanci
Wannan ita ce takaddar takaddara kawai ga ɗan kasuwa ɗan kasuwa. A kan sabonta, sabon dan kasuwa zai tabbatar wa bankin cewa zai yi kasuwanci. Don haka, yayin aiwatar da tsarin kasuwanci, ya kamata kuyi tunani akan komai sosai, ku ba da ƙwarewar ƙimar duk haɗarin da zai tabbatar da fa'idodin kasuwancin.
Sigogi 4. CI
Lokacin neman rance don banki, tarihin darajar abokin ciniki yana da mahimmanci. Masu ba da bashi, a matsayin ƙa'ida, suna yin nazari sosai kuma suna ƙoƙari su gano idan mai nema yana da jinkiri a baya ko bashin biya. Idan CI ya lalace, to muna ba ku shawara ku karanta littafinmu - "Yadda ake samun rance tare da mummunan tarihin daraja."
Siga 5. Adadin mutum
Za a nuna muhimmancin niyyar bankin ta hanyar gaskiyar cewa abokin ciniki yana da dama, ban da rancen kuɗi, don saka hannun jari a cikin kasuwancin da kuma wasu nasa kuɗin. Ba zai zama mara kyau ba kwata-kwata idan rabon ya kasance aƙalla 25 bisa dari... Masu ba da bashi sun fi so da amincewa da irin waɗannan masu aro.
Sigogi 6. Bayyanar da ilimi
Hanyar da abokin harka yake ado yana burge masu banki kuma. Don haka, idan babu wata kwalliyar da ta dace don ziyartar banki, to, za ku iya aro daga wani. Hakanan ana ɗaukar sana'ar mai neman aiki da iliminsa a matsayin mai ba da tabbacin warwarewa, saboda kasancewar sana'a da ilimi alama ce ta cewa abokin harka ya san ainihin abin da zai saka kuɗin da aka samu.
Fitarwa
Idan banki ya ƙi, babban aikin ga ɗan kasuwa sabon abu ba yanke kauna bane, yayi imani da kansa da kasuwancinsa na gaba. Ya kamata a tuna cewa mashahuran 'yan kasuwa da yawa waɗanda suka fara kasuwanci sau da yawa, sun yi fatara sau da yawa, amma sun haɗu sun fara daga tushe. Don haka, ƙi ba kowane dalili ba ne don firgita kuma ku daina mafarkinku. Zai fi kyau a natsu don magance dalilin ƙin kuma yanke hukuncin da ya dace.
Muna kuma ba da shawarar cewa ka fahimci kanka da sabon littafinmu - "Yadda za a sami lamuni ga kowane ɗan kasuwa ba tare da jingina da masu ba da garantin ba."
A ƙarshe, muna kuma ba da shawarar kallon bidiyon "Yadda ake samun lamuni don buɗewa da haɓaka kasuwanci":
Muna fatan mujallar Ideas for Life ta iya baku dukkan amsoshin tambayoyinku. Muna fatan ku da sa'a da nasara a duk ayyukanku!