Amakhredithi asheshayo wokuthuthukisa i-e-commerce yakho

Izimali ezibizwa ngokuthi yimali mboleko esheshayo zikhethe nokuhlinzeka ngezindlela zokuxhasa ngemali ngezidingo zosomabhizinisi abasemkhakheni wedijithali. Ukuhlangabezana nezindleko zakho eziyinhloko: amakhompyutha, imishini yekhompyutha, izixazululo zobuchwepheshe, njll. Kuyasivuna ukuthi kuneqiniso lokuthi lo mthombo okhetheke kakhulu wezezimali uvumela ukuthi izikweletu zitholakale cishe ngaso sonke isikhathi futhi ngokuvamile ngaphandle kwesidingo sokunikeza izincazelo noma ukushintsha amabhange. Yize ngokuphambene nalokho, kufanele ukhombise uchungechunge lwemibhalo ukuyifinyelela, kwesinye isikhathi eyeqa leyo yeziteshi zendabuko.

Ngalo mqondo, kufanele kuqashelwe ukuthi amabhizinisi anikeza lolu hlobo lwesikweletu anikeza osomabhizinisi abancane nabaphakathi kulo mkhakha hhayi intuthuko enkulu kakhulu yezimali, engafinyelela phezulu I-10.000 euro, ngemigomo yokukhokha efinyelela phakathi kweminyaka emi-3 nengu-8, yize ishintshana ngokukhokha inzalo ephezulu ngokweqile, ebangeni eliphakathi kuka-15% no-25%, okuyikucatshangelwa ukuthi ungayithola ngokushesha futhi ngaphandle kokushintsha amabhange noma obamba imali.

Kuyindlela ongakhetha ngayo kulokho okubolekiwe okujwayelekile kakhulu okuhlinzeka ngenzalo engabizi kakhulu. Emazingeni aphakathi kuka-7% no-10% futhi lapho kunezelwa kwezinye izimo amakhomishini athile nezinye izindleko ekuphathweni noma ekugcineni kwawo. Ngethuba lokukwazi ukuyikhansela kusengaphambili, yize kulokhu kunesijeziso esingafinyelela ku-3% kunani elifunwayo.

Ukuhweba nge-elekthronikhi: uzokwenzani ngemali?

Imalimboleko yemishini yamakhompiyutha ikusiza ekuxhaseni ngemali kwanoma iyiphi ithuluzi lobuchwepheshe; ikhompuyutha ephathekayo, ikhompyutha yedeskithophu, i-smartphone, iphrinta, njll. Lezo zinsimbi ezisebenza kuzo izitolo noma amabhizinisi kagesi nokuthi umugqa webhizinisi lawo uncike kuphi kusukela ngaleso sikhathi kuqhubeke. Le yimithombo yezimali engajwayelekile edinga ezinye izinhlobo zezixazululo ukwanelisa lesi sidingo esivame kakhulu emkhakheni.

Ngenkathi ngakolunye uhlangothi, kufanele futhi kugcizelelwe ukuthi lawa makhredithi womuntu athuthukiswa anezici ezichazwe kahle kakhulu. Kuphi zonke izimali zikhokhwa futhi yenani elifanayo njalo ngenyanga, ngaphandle kokumangala. Ngokuqondene nethemu, unesikhathi seminyaka eyi-6 noma ngaphezulu ukukhokhela imishini yekhompyutha noma ukufakwa kobuchwepheshe okudingayo ngesikhathi esithile empilweni yakho.

Ngokuvamile, le mikhiqizo yezezimali yenziwa ngamapulatifomu aku-inthanethi avame ukunikela ngokuhlinzekwa nokukhushulwa okuhlukahlukene. Banenkontileka nge-Intanethi ngakho-ke kulula ukubhalisa ngoba inqubo ingenziwa ngokusemthethweni kusuka ekhaya noma kwenye indawo lapho ukhona ngaleso sikhathi. Ngempendulo esheshayo esicelweni noma cha yalesi sidingo abanikazi besitolo sedijithali abanaso.

Ngenkathi ngakolunye uhlangothi, futhi kufanele kulinganiswe ukuthi imvume yayo ikuvumela ukuthi ube nezinketho eziningi ezengeziwe nweba umugqa wakho webhizinisi kusuka manje. Ngokunikezwa imvume engashesha kakhulu ngenxa yezici ezikhethekile zale nsizakalo yezezimali. Njengokwanda kwamapulatifomu anale migqa yokusebenza futhi anabantu abafana nawe njengabamukeli babo abakhulu.

Unikezani lo mugqa wesikweletu?

Ezinye izindlela zokufinyelela kulayini wezezimali ngefomethi esheshayo yokuthengwa kwemishini yamakhompiyutha nezinto zenziwe ngokunikezwa kwamapulatifomu amakhulu wesikweletu sedijithali. Ungaya futhi ethubeni lokuthi ubhalise enye yezimalimboleko eziningi ezisheshayo ezinikezwa yizimali okwamanje on line futhi lokho kudlulela kuma-euro ayizi-6.000, ngokwesilinganiso. Banethuba lokuthi itholakala ngesikhathi esifushane kakhulu, esingadluli izinsuku ezimbili, futhi ngezidingo ezimbalwa kunalezo ezicelwe amabhange namabhange okonga.

Kepha kunalokho, ngokuhamba kwesikhathi ziyabiza kakhulu ngenxa yamanani aphezulu wenzalo asetshenziswa yizinhlangano ezimaketha le mikhiqizo, eguquguqukayo phakathi kuka-15% no-25%, nokuthi ngenxa yalokhu kukhuphula izindleko eziphelele zemishini yamakhompiyutha, ekhonjiswa kuphela labo bantu abakhishwe ezinye iziteshi zezimali ezikhona manje emakethe, kungaba ngoba isicelo semalimboleko senqatshiwe, noma kuhle ngoba azihlangabezani nezidingo zokufinyelela ku-Avanza Plan.

Ukuxhaswa kwe-ICO

Ngakolunye uhlangothi, i-ICO yethula umugqa wesikweletu we-ICO wosomabhizinisi nosomabhizinisi emkhakheni wedijithali. Ngaphansi kwesamba esiphezulu kwiklayenti ngalinye: kufika kuma-euro ayizigidi eziyi-12,5, ekusebenzeni okukodwa noma ngaphezulu. Kumiselwe uku imisebenzi yebhizinisi kanye / noma izidingo zokutshalwa kwezimali kanye nokuthengwa kwemali ngaphakathi kwendawo kazwelonke. Kulezi zindlela ezilandelayo: ukubolekwa, ukuqashiswa, ukuqashwa noma umugqa wesikweletu. Ngezinga lenzalo: okuhleliwe noma okuguquguqukayo, kanye nomugqa osungulwe yisikhungo sesikweletu ngokuya kwesikhathi sokukhokha.

Mayelana nenkokhelo kanye nesikhathi somusa, iveza inkathi esukela eminyakeni engu-1 kuye kwengu-20 enethuba lokufika eminyakeni emi-3 yomusa oyinhloko kuye ngemigomo. Ngakolunye uhlangothi, amakhomishini, isikhungo sezikweletu singakhokhisa ikhomishini eyodwa ekuqaleni komsebenzi, ngaphezu kwalokho, lapho kufanele khona, ukukhokha ngaphambi kwesikhathi. Iziqinisekiso: kuzonqunywa yisikhungo sezikweletu, ngaphandle kwesiqinisekiso se-SGR / SAECA. Kunoma yiziphi izimo, imali mboleko ingenziwa ibe semthethweni ngaphansi kwalomugqa unyaka wonke.

Izinga lenzalo yemalimboleko

Iklayenti lizokwazi ukukhetha phakathi kwenzalo engaguquki noma eguquguqukayo yenzalo. Uma lo msebenzi wenziwa waba semthethweni ngenzalo eguquguqukayo, izobuyekezwa njalo ezinyangeni eziyisithupha yisikhungo sezikweletu ngokuya ngemibandela yesivumelwano sezimali. Amakhomishini nezindlekos: isikhungo sezikweletu singafaka ikhomishini ekuqaleni kokusebenza. Izindleko eziya kwiklayenti lale khomishini kanye nezinga lenzalo kungenzeka zingadluli i-APR enkulu isikhungo sesikweletu esingasisebenzisa ekusebenzeni kuye ngesikhathi sayo. Ngaphezu kwalokho, kungasetshenziswa ikhomishini yokuzithandela yokuncishiswa kwempahla kusenesikhathi, ngokuvamile, ezoba yi-1% yenani elikhanseliwe lapho umsebenzi wenziwe waba semthethweni ngezinga elithile.

Lapho yenziwe ngokusemthethweni ngezinga eliguqukayo, kuzosetshenziswa ikhomishini enkulu engu-0,8% kanye nobuncane obungu-0,0 5%, kuya ngempilo eyinsalela yokusebenza ngosuku lokukhokha intela. Imininingwane engaphezulu ngokukhanselwa kokuqala kwemali mboleko. Uma kwenzeka kuphoqeleka ukubuyisa imali ngaphambi kwesikhathi, kuzokhokhwa imali engu-2% yenhlawulo engagunyaziwe ngokomthetho. I-APR yokusebenza I-Annual Equivalent Rate (APR) esebenza kulo msebenzi izokwakhiwa izindleko zekhomishini yokuqala, esetshenziswa isikhungo sekhredithi, kanye nezinga lenzalo. I-APR kungenzeka ingeqi umkhawulo omkhulu osungulwe yi-ICO. Ngokwanda kwamapulatifomu anale migqa yokusebenza futhi anabantu abafana nawe njengabamukeli babo abakhulu.

Amortization kanye nesikhathi somusa

• Kusuka eminyakeni engu-1 kuye kwengu-6 nonyaka ongu-0 noma ongu-1 womusa oyinhloko
• Kusuka eminyakeni engu-7 kuye kwengu-9 ngeminyaka engu-0, 1 noma 2 yomusa
• Kusuka eminyakeni eyi-10, 12, 15 nengama-20 ngeminyaka engu-0, 1, 2 kuya ku-3 yomusa

Ama-Freelancers, osomabhizinisi, izinkampani, izinhlangano zikahulumeni nezizimele (izisekelo, ama-NGO, Ukuphathwa Komphakathi), abenza umsebenzi wabo webhizinisi eSpain, bangafaka isicelo sale mali ngaphandle kwehhovisi labo elibhalisiwe noma ikheli lentela nokuthi iningi lenhlokodolobha yabo yiSpanish noma owezizwe. Abantu, imiphakathi yabanikazi namaqembu emiphakathi yabaninikhaya nabo bangacela ukuxhaswa ngezimali ngalo Layini ukuvuselela amakhaya nezakhiwo noma ukuguqula izinto zabo ezivamile.

Enye yezici zayo ezifanele kakhulu okufanele zinakwe lapho kuqashwa ukuthi lolu hlobo lwezezimali luzohambisana nosizo olutholwe yi-Autonomous Communities (CCAA) noma ezinye izikhungo. Lapho iklayenti kuzodingeka ukuthi lenze khona thumela imibhalo ukuthi i-Credit Institution ngayinye ibona kunesidingo sokutadisha lo msebenzi.

Imibhalo okufanele uyethule

Ukufinyelela kulolu hlobo lwamakhredithi asheshayo i izidingo, kukonke, zibanzi kunalokho okungabonakala ekuqaleni, akwanele nge-DNI nangesitatimende sokugcina semali engenayo. Ngokuya ngemibandela yesikhungo ngasinye sesikweletu, okuvame kakhulu ukuthi ngesikhathi sokumiswa kwemali mboleko yalezi zici, abafakizicelo kumele balethe imibhalo elandelayo: ikhophi yeNational Identity Document noma iResidence Card esebenza kuwo wonke amaqembu angenelelayo, ikhophi irisidi ledebithi ngqo egameni lakho (ugesi, amanzi, igesi, ucingo, umshuwalense, iselula ...); ubufakazi bemali engenayo yomnikazi kanye nomnikazi, uma kusebenza.

Ngokuphambene nalokho, uma uqashiwe, ikhophi yama-payroll amabili okugcina futhi uma uzisebenza, uzodinga ikhophi yekhophi yentela yomuntu siqu yokugcina kanye nempinda yezingxenye ezimbili zokugcina. Ezimweni lapho abafaka izicelo bethatha umhlalaphansi noma abahola impesheni, idokhumende eligunyaziwe kuzoba elokubuyekezwa kwempesheni. Kuzo zonke izimo ngokuqedwa kwayo okulungile.