Ukuba ibhanki yakho ifuna okungaphezulu nje kweenkcukacha ezisisiseko eziqhubekayo kwisicelo, ileta eya ebhanki inokuthi ilandelwe. Ezinye iibhanki zicela ngokucacileyo iileta, ngelixa abanye bangakuxabisa nayiphi na inyathelo elongezelelweyo oyithathayo ukuze uzame ukuphumelela.
Ngoko, kufuneka udibanise ntoni kwileta yakho? Funda kwi-sampuli yecatshulwa kunye nesicatshulwa esicwangcisiweyo sebhanki.
Iinkcukacha, ngoLwimi oluNxweme
Ileta yakho yemboleko ichaza ukuba kutheni umboleki-mali kufuneka avumele isicelo sakho. Ebhalwa ngolwimi olucacileyo, linika ithuba lokufaka umboniso wemibala engenakuvela njengoko ugcwalisa izikhalazo kwisicelo esifanelekileyo. Umngeni ukufumana indawo emnandi phakathi kokugcina izinto ezimfutshane (ababolekisi abanalo lonke usuku ukufunda ibali lakho) nokubonelela ngeenkcukacha ezaneleyo ukwenza ingxabano ekholisayo.
Ukuba ufuna ukunika iinkcukacha ezininzi, ungakhathazeki - mhlawumbi ungenise isicwangciso soshishino kunye nesicelo sakho semboleko. Cinga ngetekisi yakho yokuqala njengenguqu echanekileyo yecebo leshishini.
Ungubani: xelela ibhanki ngento encinane ngawe, ubeke unyawo lwakho oluphambili kwixesha. Ukuba ufuna isicelo semali mboleko kwaye kukho amaqabane amaninzi, qiniseka ukuba uquka ulwazi malunga neqela lonke.
Khankanya nawaphi na amandla, izikhundla ozifumeneyo, kunye nempumelelo efanelekileyo kwixesha elidlulileyo. Musa ukuhamba ngaphaya kwezinto - khetha ezimbalwa izinto ezintle kakhulu eziza engqondweni.
Oko ufuna: cela imali ethile ngexesha elithile (umzekelo, i-$ 100,000 ihlawulwe ngaphezu kweminyaka emihlanu).
Kutheni ufuna yona: cacisa kakuhle indlela oya kusebenzisa ngayo imali - umboleki wakho ufuna ukwazi ukuba imali iya kusetyenziswa kakuhle. Ngokomzekelo, ungasebenzisa imali ukuthenga isithuthi (okukuvumela ukuba ufake isicatshulwa sesevisi yesibini ngaphandle kwintsimi, ngokuphindaphindiweyo ukukwazi ukukhonza abakhweli). Qinisekisa ukuba ufake iinkcukacha apha malunga nendlela utyalo-mali uza kuhlawula ngayo. Ukuba uyazi ngokukodwa ukuba imali yakho iya kunyuka, inikezele ngolwazi. Ukuba uyeke ukushishina ishishini kuba awuzange ube namandla, vumela umnini-mboleko wakho azi malunga nale mfuno engahambelaniyo kunye nokukwazi kwakho ukuwanelisa. Bonisa ukuba wenze olunye uphando lwemarike.
Unenjongo yokubuyiselwa njani: ivelaphi imali evela kuyo? Umboleki wakho ufuna ukuqonda indlela oza kuhlawula ngayo intlawulo, nokuba ingaba ngumvuzo wakho okanye imali eyongeziweyo (kwakhona, qwa lasela malunga nokuba njani kwaye umvuzo wakho uza kunyuka ngenxa yomboleko).
Inkcazo yeSampula yeeNcwadi elula
Ngaba ufuna ikhokelo malunga nendlela yokwenza itekisi yakho? Gcina kulula kwaye unikele ngolwazi oluphambili ibhanki yakho ifuna. Musa ukugqithisa ngaphezu komyalelo ochanekileyo okanye igama leleta yakho - vele udubule uxwebhu olunceda umnini-mboleko wakho ukuba azi.
Isigqibo sokwenza imali siya kugxininisa kwiimali: izikolo zakho zemali-mboleko , imali engenayo kunye nekhono lokubuyisela, naluphi na uqinisekiso olwenzayo malunga nemboleko mboleko, kwaye nayiphi na into efunyenweyo yokufumana umboleko .
- Ubume benkcazo yenkampani yakho, ukuba iyasebenza ("I-ACME Enterprises igxile kwi ... kwaye iseshishini ukususela ngo-1997 ..)
- Isizathu sakho sencwadi ("Ndibhalela ukuba ndicele i mboleko ngemali eyi-100,000 ...")
- Ubume benkcazo yakho kunye neqela lakho, ukuba kusebenza ("I-ACME Enterprises yasungulwa nguJane Doe, oneminyaka engaphezu kwe-10 yamava eshishini ... Iqela leNtengiso liholwa nguJohn Jones, owayencedisa ukukhula kweXYZ Corporation ...")
- Indlela oyisebenzisa ngayo imali ("Injongo yethu kukunyusa inani leenkonzo zemihla ngemihla ngokuthenga isithuthi esongezelelweyo kunye nezixhobo ezihambelanayo. Iindleko ezipheleleyo zale mali-mali ...")
- Kutheni le mboleko iya kuhlawula ("Okwangoku asikwazi ukuphendula kwi-30% yezicelo zenkonzo, nto leyo ibangela ukuba abathengi babiza abaphiswano bethu okanye batshintshe iimveliso. Siyakwazi ukuphendula ngokufanelekileyo kuzo zonke iifowuni kunye nezixhobo ezongezelelweyo ... ")
- Ulwazi olusisiseko lwezemali ("I-ACME Enterprises okwamanje isebenza ngenzuzo.) Imali evela kunyaka odlulileyo yayingu-$ X, kwaye inzuzo engenayo yayinguY $ ...")
- Nayiphi na into ebonisa ukuba wenze umsebenzi wesikolo kwaye ufanelwe umboleko
- Baxelele ukuba iinkcukacha ezongezelelweyo ziyafumaneka ("Nceda ubone isicwangciso seshishini esivaliweyo, kwaye uzive ukhululekile ukundiqhayisa nayiphi na imibuzo enayo kwi-212-555-5555 ...")
Emva kokuba ubhale ileta yakho, makhe uhlale usuku okanye ezimbini, uze unike ingxelo yesibili. Emva koko ube nomhlobo okanye umntu osebenza naye uqikelele uxwebhu - isethi yesibini yamehlo inokubona iimpazamo ezihlazo kunye namathuba okuphucula ongeke uzibonele ngokwakho. Nangona ukubhala kwakho kungagqibekanga, injongo kukubonakala uchwephesha kwaye uyakwazi kwi shishini lakho.
Unokufumanisa ukuba incwadi yakho ayivakala kakhulu, kwaye kulungile. Ukuba awukwazi ukubangalela nayiphi na impumelelo enkulu (njengokuthi "siye sanda inzuzo nge-6,000% ngonyaka"), yenza okusemandleni akho ukuzithengisa kwaye ugweme ukunyaniseka nokungathembeki - mhlawumbi akunakukunceda ukuba uvumeleke, kwaye inokubangela iingxaki zomthetho phantsi kwendlela.
Enyanisweni, qhubela phambili kwaye uvume nayiphi na into enokuba yinkinga, kwaye uchaze ukuba kutheni kungalunganga njengoko kubonakala. Umboleki wakho uya kuqaphela ukuba unetyala elibi okanye engenayo imali engenayo yokubuyisela imali mboleko . Ukujongana nale miba yimiqondiso yokuba ungumboleki omkhulu oqonda oko kusemngciphekweni.