Amakilasi ezezimali e-commerce

Vele, ukuxhasa imali ngezohwebo ze-elekthronikhi kudinga iziteshi ezingezona ezabantu. Ngochungechunge lwemikhiqizo noma imigqa yesikweletu ebheka izidingo zakho. Lapho okunye okufanele kakhulu yi- izimali ukwenza izingqalasizinda zayo noma ukuthuthukisa kancane kancane nokuncintisana kobuso emkhakheni wedijithali.

Ngaphakathi kwale migqa yamakhredithi kunemikhiqizo ecaciswe njengokufakelwa kwamafemu futhi nokuqashwa okuncane kungaba ngalesi sikhathi. Ukumboza ingxenye enhle yezinhloso ezitolo ze-inthanethi noma amabhizinisi anazo. Ngokusebenzisa i- inani lenzalo okungahle kube lusizo kuzintshisekelo zakho. Ngomehluko wezingxenye ezimbalwa kwezishumi wephesenti maqondana nokunikezwa okunikezwa amabhizinisi ezezimali kubantu ngabanye.

Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi izidingo ezidingwa yileli banga lezinkampani zehlukile kunezamabhizinisi wendabuko noma ajwayelekile. Ngokudinga izindleko ezihlukile kulezi futhi ngenxa yalokho ziphathwa ngendlela eyehlukile yizikhungo zezezimali. Lesi ngesinye sezizathu sokuthi kungani sizokwethula amakilasi ezezimali ezentengiselwano ngogesi kusukela manje kuqhubeke. Ziningi futhi ziyahlukahluka, njengoba uzobona kulesi sihloko.

Izinhlobo zezimali: ukufaka izinto kwamanye amazwe

Kungumkhiqizo owenzelwe noma yimuphi usomabhizinisi noma uchwepheshe futhi, ikakhulukazi, izinkampani ezincane nezisemaphakathi, ngale fomula, ezingaba rukunciphisa umthwalo womsebenzi yomnyango wezokuphatha, ukukhipha ukubalwa kwemali okwenziwe ukuthengisa nokuqoqwa kwayo. Kanye nentuthuko ngosuku olufanele lokukhokhwa kwama-invoyisi, konke lokhu kuzothuthukisa inzuzo, amandla esikweletu kanye nokuxazululwa kwemali yenkampani.

Phakathi kwezinzuzo zokuthola lo mkhiqizo ulwazi olwenziwa ngezikhathi ezithile, olujwayelekile nolubuyekeziwe lwabakweletwayo, ukwehliswa kwemithwalo yokuphatha noma ukwenza kube lula ukubalwa kwe-akhawunti yekhasimende, phakathi kokunye. Ngakolunye uhlangothi, ayikho iphrofayili echaziwe yezinkampani ezisebenzisa lo mkhiqizo wezezimali, kunalokho umkhawulo unikezwa ngumkhiqizo othengisiwe nezimo zokukhokha.

Ngokubona kwe-Spanish Association of Ukuqagela "Ayikho iphrofayili echaziwe yezinkampani zomsebenzisi zalo mkhiqizo, kunalokho umkhawulo unikezwa ngumkhiqizo othengisiwe nezimo zokukhokha. Ngamanye amagama, zonke izinkampani zingaba abasebenzisi beFinoringing, bathengise emakethe yasekhaya noma bathumele ngaphandle ”.

Ukuqasha ngokuvumelana nezimo okukhulu

Igama elithi ukuqasha liyafana nelithi ukuqashwa kwempahla isikhathi eside, kulesi simo semoto, noma ngabe yakhiwe kanjani, imodeli noma isegmenti. Ngokuqasha, inkampani (inkampani eqashisayo) ithenga imoto entsha, ngokusho kokuthandwa nezidingo zeklayenti layo noma oqashile, futhi iyenze itholakale kubo.

Yize kungewona umkhiqizo osondelene kakhulu nezintshisekelo zesitolo esiku-inthanethi noma ezentengiselwano, kungasiza kakhulu esikhathini esithile empilweni yaleyo nkampani. Phakathi kwezinzuzo zayo ezifanele kakhulu iqiniso lokuthi ukuqasha kungenziwa yizo zonke izinhlobo zabantu bemvelo nabezomthetho ngaphandle kokuvinjelwa futhi kumele insizakalo ebanzi ehlanganisa zonke izici ezihlobene nokusetshenziswa kwempahla ethintekayo.

Kuyindlela ekhetheke kakhulu yezimali engasiza izintshisekelo zabanikazi besitolo esiku-inthanethi noma ukuhweba kwesinye isikhathi noma kwesinye. Ngoba inikeza isilinganiso senzalo sokuncintisana kakhulu kunawo wonke amanye amakhredithi agunyazwe kulesi sigaba sezinkampani ezikhetheke kakhulu. Ngokwehliswa kwemali okubonakala ngokuguquguquka kwayo okukhulu futhi okulungiswa kwizidingo zezinkampani zedijithali.

Isaphulelo sezohwebo nentuthuko

Kuyinsizakalo ukuthi qhubekisela phambili imali ukukhokha izikweletu (izikweletu, amanothi ezethembiso namarisidi) namakhredithi ezentengiselwano, ku-inthanethi futhi kunengozi enobungozi. Lokho wukuthi, balindela imali oyidingayo ngemuva kokudonsa inzalo yethemu kanye nezindleko ezihambisanayo. Okwamanje, lapho ukuvuthwa kufika, izikhungo zezikweletu ziphethe abaphathi beqoqo.

Omunye wemikhiqizo etholakala ezitolo noma kumabhizinisi aku-inthanethi yizinto ezibizwa ngamacala okuthola imali. Lapho uma ukuqoqwa kwamarisidi kungumsebenzi oqhubekayo ebhizinisini lakho, izikhungo zezikweletu ziphethe ngokunikeza indlela engcono kakhulu yokuyiphatha ngenkonzo yazo eku-inthanethi yezinkampani. Okwe-Chlela kabusha okuthunyelwayo kalula ngokusebenzisa isoftware, kanye nokungenisa okuthunyelwayo kwakho uma usuvele unawo ngefomethi ejwayelekile ye-AEB.

Unga futhi rithrekhi ibuya; Imininingwane ithunyelwa kuwe nsuku zonke. Ziphinde zikunikeze okuguqula kanye nama-generator athunyelwa ngamafomethi ajwayelekile uma kwenzeka inkampani yakho ingasebenzi namafayela athile.

Ukuhlanganiswa kwengozi ekusebenzeni

Ukukhishwa emakethe kuhlale kubeka ingozi kulabo abahluphekayo futhi uma ubhekene naleyo ngozi awusoze wehlisa umoya. Ngakho-ke ungaqhubeka ne ezezimali eziguquguqukayo Ngendlela engenabungozi kangako, sikhombisa ukuthi cishe kuwo wonke amabhange kunemikhiqizo ehlukile yekhathalogi, kuya ngohlobo lwamakhasimende, njengamazinga entengo yenzalo, avikela ukukhuphuka kwamazinga wenzalo ngezindlela ezimbili.

I-MAXIMUM INTEREST RATE OPTION (CAP) yabantu bemvelo nabomthetho. Kuvikela ekukhuphukeni kwamazinga wenzalo ngaphezu kwenani eliphakeme elibekwe ekuqaleni isikhathi esithile esibekiwe, ngokushintshanisa i-premium. Esikhathini ngasinye, uma inani lenzalo lingaphezu kwalelo nani eliphakeme, ibhange liyakunxephezela ngomehluko.

UKUTSHINTSHANA KWEZIMALI KWEZINGA LOKUTHOLA IZIMALI (SWAP) zezinhlangano ezithile zomthetho. Imayelana nokushintsha isilinganiso senzalo esiguqukayo (njenge-Euribor) ngenani elinqunyelwe. Esikhathini ngasinye, uma isilinganiso esimisiwe siphezulu kunezinga eliguqukayo, ikhasimende likhokha umehluko. Ngaphandle kwalokho, yibhange eliyikhokhayo. Uma kwenzeka kukhanselwa ngaphambi kwesikhathi, umkhiqizo uzokhanselwa emakethe futhi kungaholela ekuhlalisweni okungalungile kwebhange noma kweklayenti.

Futhi lezi zimbozo zikunikeza ini?

  • Uzimboza ngobungozi bokukhuphuka okwenziwe ngcono
  • Ungazi kusengaphambili izindleko zezezimali
  • Uzivikela ekushintshashintsheni kwemakethe

Olayini bezezimali be-ICO

Lapho uthuthukisa ibhizinisi lakho eliku-inthanethi, kunezinto eziningi okudingeka uzicabangele ukuze zisebenze ngendlela olindele ngayo. Ngakho-ke, ukubhekana nalokhu kutshalwa kwezimali okukhulu, i Izimalimboleko ze-ICO. Umugqa wezezimali ongakhuphula ngawo ibhizinisi lakho ngokutshala imali kumaphrojekthi amasha nasekuthuthukisweni, ngaphakathi nangaphandle kweSpain.

  • Okwama-Freelancers kanye nezinkampani zanoma yisiphi isayizi
  • Ukuxhasa ngezimali izimali ezitshaliwe kanye nezemali
  • Imalimboleko nokuqashisa
  • Ngemibandela yezimali eguquguqukayo kakhulu
  • Izimo ezisizayo ezilungiswe kuphrojekthi yakho yokutshala imali
  • Kuze kube yizigidi eziyi-12,5 zama-euro ngeklayenti ngalinye kuze kufike ku-100% wephrojekthi yokutshala imali

Amakhredithi ngefomethi eku-inthanethi

Inzuzo yabo enkulu ezinkampanini eziku-inthanethi zilele ekutheni banikezwa ngokushesha okukhulu kunamakhredithi wendabuko, ngaphandle kwesidingo sokwenza noma yiluphi uhlobo lwamaphepha, yize isibonelelo sabo sincike umkhawulo onikezwe ngaphambili kwikhasimende ngalinye futhi, ezihlukanisiwe futhi ngoba imali ebolekiwe ingaphansi kunezinye izindlela zokuthenga ngesikweletu, yize ezinye izikhungo zezezimali eziyinikezayo zikhuphula leli nani laya kuma-euro ayizi-60.000.

Imvamisa basebenzisa isilinganiso senzalo esiyehluka phakathi kuka-7% no-10%, nangegama lokukhokha elingajwayelekile ukudlula iminyaka emihlanu futhi, okumele kungezwe kulo amakhomishini akhona wokutadisha, ukukhokhelwa kancane noma ukukhanselwa okungamela phakathi kuka-1% no-3% ongeziwe kulokho okumele kukhokhelwe umkhiqizo onenkontileka. Yize kuba lula ukuzithola phakathi kokunikezwa izikhungo zezezimali ebekade zikwenza ezikhathini zamuva, kufanele kukhunjulwe ukuthi ukwenza kwabo izinkontileka akusho noma yiluphi uhlobo lwesaphulelo kumazinga wenzalo asebenzayo maqondana namakhredithi abhaliswe kusuka kwezinye iziteshi zendabuko.

Ngamafuphi, lezo zitolo eziku-inthanethi noma amabhizinisi anomnikelo ohlukile wezezimali owenzelwe kakhulu izidingo zabo zangempela. Kusuka lapho ungakhokhela ukuthengwa kwemishini yamakhompiyutha, ukufinyelela kubuchwepheshe bamuva nolwazi olusha noma ukumane uthuthukise ukuthengwa kwamakhasimende, phakathi kwezinye zezidingo ezifanele kakhulu ngalo mzuzu oqondile. Ngenqubo engenziwa kusuka ebhange lakho elijwayelekile noma ngokunikezwa nokukhushulwa okwenziwe yilezi zinhlangano zezezimali. Ukuze labo ababhekele izinkampani ezidijithali babe sesimweni esingcono sokuncintisana nezinye izinkampani ezinezici ezifanayo. Ukugcina isikweletu ku-akhawunti yokonga kusukela manje kuqhubeke.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.