Chimachitika ndi Chiyani Ngati Bizinesi Yasokonekera Pa Ngongole? Zotsatira ndi Zosankha

yeretsani kirediti kadi ndi mlandu wapolisi

Ngati simukubweza ngongole kapena ngongole ku United Arab Emirates (UAE), zotsatira zingapo zitha kuchitika, zomwe zimakhudza thanzi lanu lazachuma komanso mbiri yanu yovomerezeka. UAE ili ndi malamulo okhwima okhudza kubweza ngongole, ndipo ndikofunikira kumvetsetsa izi kuti tipewe zovuta. Nayi tsatanetsatane watsatanetsatane:

Zokhudza Zachuma Zamsanga

  • Malipiro Ochedwa: Kuphonya nthawi yomaliza yolipira nthawi zambiri kumabweretsa ndalama zolipirira mochedwa, zomwe zimakulitsa ngongole yonse.
  • Kuwonjezeka kwa Chiwongoladzanja: Mabanki ena akhoza kuonjezera chiwongoladzanja pa ndalama zomwe mwatsala, ndikuwonjezera ngongoleyo.
  • Ngongole Yotsika: Kusabweza kungayambitse kuchepa kwa ngongole zanu, zomwe zimakhudza kuthekera kwanu kopeza ngongole kapena ngongole mtsogolo.

Zotsatira Zalamulo ndi Zanthawi Yaitali

  • Malamulo: Mabanki ndi mabungwe azachuma atha kuchitapo kanthu kwa olephera. Izi zitha kuphatikiza kusuma mlandu m'makhothi a UAE.
  • Kuletsa Kuyenda: Pakakhala vuto lalikulu la ngongole, akuluakulu a UAE atha kuletsa kuyenda, kuletsa wolephera kuchoka mdzikolo mpaka ngongoleyo itathetsedwa.
  • Mlandu Wachibadwidwe: Wobwereketsa atha kuyimba mlandu wamba kuti abweze ngongole. Ngati khoti lipereka chigamulo chotsutsa wolepherayo, likhoza kulamula kulanda katundu kapena malipiro kuti abweze ngongoleyo.
  • Milandu Yachigawenga: Ngati cheke choperekedwa kwa wobwereketsa chikuwomba chifukwa chandalama zosakwanira, izi zitha kuyambitsa mlandu ku UAE.

Impact pa Ntchito ndi Kukhala

  • Kuvuta kwa Ntchito: Olemba ntchito ku UAE amafufuza ngongole, ndipo mbiri yolakwika yangongole ingakhudze mwayi wanu wantchito.
  • Nkhani Zokonzanso Visa: Nkhani zangongole zitha kukhudzanso kukonzanso kwa ma visa, zomwe zimakhudza kuthekera kwanu kukhala mdziko.

Njira Zochepetsera Zotsatira

  • Kulankhulana ndi Ongongole: Ngati mukukumana ndi mavuto azachuma, ndikofunikira kuti mulankhule ndi omwe akungongolani. Mabanki ambiri amapereka ndondomeko yokonzanso ndalama zothandizira kubweza.
  • Kuphatikizira Ngongole: Ganizirani zophatikiza ngongole zanu kukhala ngongole imodzi yokhala ndi chiwongola dzanja chochepa kuti mubweze ngongoleyo bwino.
  • Kuwonana Kwamalamulo: Kufunafuna upangiri kwa katswiri wazamalamulo pankhani yowongolera ngongole kungapereke njira zoyendetsera zinthu moyenera.

Kulephera kubweza ngongole kapena ngongole za kirediti kadi ku UAE kumatha kubweretsa mavuto azachuma, zamalamulo, komanso zaumwini. Ndikofunikira kuchitapo kanthu kuti muthane ndi ngongole ndikupeza upangiri wa akatswiri ngati mukukumana ndi zovuta. Kumbukirani, kupeŵa kapena kunyalanyaza vutolo kungawonjezere mkhalidwewo, kumabweretsa zotulukapo zowopsa.

Kusasinthika pa a ngongole yamabizinesi akhoza kukhala serious ndalamamwalamulo, ndi nthawi yaitali zotsatira kwa makampani ndi eni ake. Bukuli likuwunikira zomwe zimapanga chosasintha, zotsatira zosiyanasiyana ngongole mitundu, ndi njira zothetsera ngati mukuvutikira kubwezera.

Kodi Mwalamulo Amapanga Chiyani Kuti Ngongole Isasinthidwe?

Pa ngongole mgwirizano, kusakhulupirika kumatanthauza a wobwereka:

  • Amaphonya angapo malipiro
  • Imaphwanya mawu ena monga kulephera kusunga inshuwaransi
  • Mafayilo a bankirapuse kapena insolvency process

Kungosowa malipiro amodzi nthawi zambiri chigawenga. Koma malipiro omwe anaphonya motsatizana amapita patsogolo.

Ndendende ndalama zingati zomwe zidaphonya kapena ndi nthawi zotani zomwe zafotokozedwa mwatsatanetsatane mgwirizano wa ngongoleNgongole zotetezedwa Komanso nthawi zambiri amakhala ndi zoyambitsa zovuta zosasintha monga kutsika kwa ndalama zamabizinesi kapena kuchuluka kwa eni ake.

Ngati zalengezedwa mwalamulo mu chosasintha, ndalama zonse zobwereketsa zimabwera nthawi yomweyo. Kulephera kubwezera zidzayambitsa wabwereketsa ufulu wochira kudzera munjira zamalamulo.

Zotsatira Zazikulu Zakungongole Kwa Bizinesi

Zotsatira za kusakhulupirika zimafalikira pazachuma, ntchito, zamalamulo komanso zaumwini:

1. Kuwononga Ngongole Yambiri ndi Ndalama Zamtsogolo

Kusasinthika kumawononga kwambiri mbiri yabizinesi, zomwe zimawonetsedwa ndi malipoti angongole zamabizinesi kuchokera kumabungwe ngati Experian ndi D&B.

Zotsatira zotsika zimapangitsa kuti mukhale otetezeka ndalama pazosowa monga zida, zosungira, kapena kukula kovutirapo kupita patsogolo. Chiwongola dzanja imachulukiranso chifukwa bizinesiyo ikuwoneka kuti ili pachiwopsezo chachikulu.

2. Kuchita Mwalamulo, Milandu, ndi Kubweza ndalama

Pokhapokha, obwereketsa akhoza kuimba mlandu ndi kampani yobwereka mwachindunji kuyesa kubweza ngongole. Ngati eni ake apereka a chitsimikizo chaumwini, chuma chawo chilinso pachiwopsezo.

Ngati zokakamiza sizingakwaniritsidwe, bizinesi kapenanso zaumwini bankruptcy ikhoza kukhala njira yokhayo. Zolemba izi zimapitilira zaka zambiri zomwe zimalepheretsa mwayi wopeza ngongole komanso kuchita bwino.

3. Kulanda Chuma ndi Kuthetsa Chikole

Zothandizira chuma "atetezedwa” ngongole, zoyambitsa zosasintha ndi wabwereketsa ufulu kulanda ndi kuthetsa analonjeza dala monga katundu, zida kapena maakaunti omwe amalandilidwa. Amagwiritsa ntchito ndalama zomwe zabwezedwa ku ngongole yomwe idachedwa.

Ngakhale pambuyo pa kuthetsedwa kwa chikole, ndalama zotsalira zomwe sizinabwezedwe ziyenera kubwezeredwa ndi bizinesi potengera mawu ndi zinthu chasaina.

4. Kuwonongeka kwa Ntchito ndi Mbiri

Zotsatira za domino kuchokera ku kuchepa kwa likulu pambuyo kusakhulupirika akhoza kulumitsa ntchito kwa nthawi yaitali. Nkhani komanso pachiwopsezo chachikulu kuwononga mbiri ndi makasitomala, ogulitsa ndi othandizana nawo ngati afalitsidwa.

Izi zimachepetsa mwayi ndi mpikisano makamaka kwa mabizinesi ang'onoang'ono oyendetsedwa ndi malonda kapena omwe amagwira ntchito kubizinesi.

Mitundu Ya Ngongole Enieni ndi Zotsatira

Zosintha zosasinthika zimasiyana kutengera ndi ngongole cholinga, kapangidwe ndi chitetezo:

Ngongole Zabizinesi Yopanda Chitetezo ndi Mizere Yangongole

Common kuchokera njira ina obwereketsa or makampani a fintech, ngongole "zopanda chikole" izi zimasiya zochepa katundu pachiwopsezo pa kusakhazikika. Komabe, mtundu wina wa chitsimikizo chaumwini kuchokera kwa eni ndizofala.

Mafoni ndi makalata omwe mwaphonya, kutsatiridwa ndi zokongoletsa malipiro kapena milandu yachiwembu motsutsana ndi katundu wa eni pazitsimikizo zilizonse. Ngongole zopanda chitetezo sizimachotsedwanso mwa bankirapuse.

Ngongole Zanthawi Yotetezedwa kapena Ndalama Zazida

Mothandizidwa ndi dala monga makina kapena magalimoto olipidwa, kusakhulupirika apa kumapangitsa wobwereketsa kulanda mokakamiza kenaka amachotsa zomwe zanenedwazo kuti abweze ngongole.

Zotsalira zilizonse zimatsatiridwa ndi mlandu, makamaka ngati zithandizidwa ndi chitsimikizo cha eni ake. Koma kuchotsedwa kwa makina ofunikira kumatha kuvulaza kwambiri ntchito.

Momwe Mabizinesi Ovutikira Angapewere Zosasintha

Kuchita bwino kumapangitsa mabizinesi omwe akukumana ndi mavuto azandalama kuti apewe kusakhazikika:

  • Yang'anani mosamala momwe mungabwereke ngongole m'mbuyomu kuti mudziwe zomwe zingayambitse.
  • Pitirizani kulankhulana momasuka ndi onse obwereketsa ngati mukukumana ndi zovuta zolipira. Kukhala chete kumatsimikizira kukwera.
  • Funsani za mapulogalamu ovuta, kusinthidwa kwa ngongole kapena kubweza ndalama zomwe zimachepetsa katundu.
  • Onani kuunjika kochepa ngongole zophatikiza ngongole kuchepetsa malipiro.
  • Funsani alangizi oyenerera azandalama zamabizinesi monga akauntanti kapena maloya kuti awatsogolere.

Ngakhale sizikutha, njirazi zitha kuthandiza kuti mabizinesi azigwira bwino ntchito ndi obwereketsa kuti apewe kusakhulupirika.

Kubweza kuchokera ku Business Loan Default

Akalengezedweratu, kuyankhulana mwachangu kuti akambirane kapena kubweza kumakhala kofunika kwambiri. obwereketsa amakonda kupewa njira zamalamulo. Zosankha zomwe zingatheke zimatengera zochitika zina koma zingaphatikizepo:

Mapulani Okonzanso Ngongole

Obwereketsa amasanthula bizinesi' zasinthidwa zambiri zandalama ndikuvomera kusinthidwa mawu obwezera monga ndalama zochepera, nthawi yotalikirapo kapena masiku ochedwetsa oyambira kuti zithandizire kukhazikika.

Kupereka mu Compromise (OIC) Settlements

Bizinesi ikuwonetsa kuti silingathe kubweza ndalama zonse zomwe sizinasinthidwe. Wobwereketsayo amavomereza malipiro ang'onoang'ono omwe adakambidwa kuti athetsedwe pochotsa ufulu wodandaula.

Kulemba kwa Bankruptcy

Ngati kusintha kwabizinesi kukhala kosatheka chifukwa cha kuuma kwake, eni ake amagwira ntchito ndi alangizi kuti atetezedwe. Obwereketsa akuyenera kusiya zosonkhetsa komanso saperekanso ndalama mabizinesi otere pambuyo pake.

Zofunikira Zofunika Kwambiri pa Zochitika Zosasinthika za Ngongole Yabizinesi

  • Yembekezerani zovuta zazachuma, zamalamulo ndi magwiridwe antchito zomwe zingawononge kapena kuwononga bizinesi ngati kusakhazikika kumachitika ndipo sikunathetsedwe.
  • Kuchita modzifunira kuti mukhalebe mukulankhulana ndi obwereketsa ndikusintha kapena kubweza mawu pamavuto omwe abwera kungathandize kupeŵa kuchulukirachulukira kosakwanira.
  • Kugwiritsa ntchito upangiri wa upangiri wangongole msanga ndikwanzeru kumvetsetsa zoopsa zomwe zingachitike potengera ngongole. Yang'anani njira zonse musanamalize kulephera kwabizinesi kapena kugwa kwachuma kumakhala kosapeweka chifukwa changongole.

Ndi mapulani ogwirizana komanso kukambirana moleza mtima ngakhale atalephera, mabizinesi amatha kukhazikikanso kapena kupanga zotuluka zabwino. Koma kupeŵa kukumana ndi vutoli kumatsimikizira kuti kampaniyo yalephera.

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Malingaliro 10 pa "Kodi Chimachitika N'chiyani Ngati Bizinesi Yasokonekera Pa Ngongole? Zotsatira ndi Zosankha"

  1. Avatar ya Fouad Hasan

    Ndili ndi ngongole yangongole ku Noor Bank ndipo ndalama yanga yokwanira ndi AED 238,000. Sindikugwira ntchito kuyambira mu Ogasiti 2017 ndipo EMI yanga pamwezi imandichotsa mu zabwino zanga. Tsopano ndalama zanga zikamalizidwa sindingathe kubweza. Chingachitike ndi chiyani ndikapanda kulipira ndalama zanga. Ngati mlandu wapolisi ukalembetsedwenso ndiye kuti ndili ndi masiku angati kapena miyezi ingati ndikumangidwa?

  2. Avatar ya Parul Arya

    Dzina langa ndi PArul Arya, ndimakhala ku UAE zaka 20 koma chaka chatha ndidasokonekera kwambiri chifukwa chake ndidayenera kuchoka mdzikolo. Ndinali ndi ngongole zanyumba ziwiri komanso kulipira katatu kirediti kadi .... .momwemo potaya ndikutha kugulitsa malowo ndikuchotsa ngongolezo koma sindinathe kulipira ndalama za kirediti kadi
    changa chonse ndi:
    Emirates NBD: 157500
    Banki ya RAK: 54000
    Dubai Choyamba: 107,000

    Ndinalipira nthawi zambiri ndalama zochepa komabe ndalamazo zikubwera mochulukira… tsopano sindikhala ndi ndalama zolipiranso. Koma ndikufunadi kuti dzina langa liyeretsedwe
    mungathe kuthandiza. Ngati inde, Chonde nditumizireni imelo.
    Ngakhale sindikufuna kudza ku UAE koma ndimafunabe kuyeretsa dzina langa. Sindine wina amene amasunga ndalama

  3. Avatar ya amar

    sindinapereke ndalama zokwanira 113k ku bank. alendo adzandigwira ku aiport? nanga apolisi? ndidzakhala kundende mpaka liti kapena ndikufunika kulipira?

  4. Avatar ya sasha shetty

    ndili ndi kirediti kadi ku bank req, pano aed 6000 ndiyofunika ndipo kwathunthu aed 51000, osalipidwa mwezi watha. akamayitanitsa nthawi imeneyo ndidawauza kuti alipira.
    koma amaluma pang'onopang'ono.

    -Langizeni pakatha miyezi ingapo iwo azikhala ndi cheke
    - Apolisi amanga

  5. Avatar ya Muhammad Loqman

    Wawa, ndili ndi ngongole yangongole ya 57k & 25k yamagalimoto & yopanda ntchito. Ndili ndi gawo limodzi podikira ngongole zonse & bank yanditumizira chenjezo lomaliza lonena kuti macheke anga alandilidwa ndipo mlandu wina uyimbidwa milandu yoletsa kuyenda.
    Pls. Upangiri pa wat uyenera kuchitika.

  6. Avatar ya Chandrmohan

    Hi,

    Ndili ndi ngongole yanga ya 25k ndi 3 ma kirediti kadi atatu amitundu chifukwa 55k, 35k abd 20k ndipo sindigwira ntchito.
    Chonde pangirani.

    Pakadali pano ndikufuna ntchito yatsopano yoti ndiyambire kubweza ngongole zanga.

  7. Avatar ya Bijendra Gurung

    Moni,
    Pano ndikugwira ntchito kuno ku UAE ndipo mkazi wanga yemwe visa yanga idandithandizira wachoka mdziko muno chifukwa cha mliriwu popeza kampani yake idawapatsa tchuthi chosalipidwa kwakanthawi. Panthaŵi imodzimodziyo adapempha kuti avomereze kusiya ntchitoyo ndikukonza Zachifundo zomwe kampani yake idachita komanso kuti adasunga khadi yake yantchito ngati ali wofunitsitsa kulowa nawo atha kubwerako. Chifukwa chake pakadali pano khadi yake yantchito idatha ndipo siidapangidwenso chifukwa amafuna satifiketi yophunzirira kuti atero. Komabe kampaniyo silingathe kutsegula. Ali ndi ngongole yayikulu ya 40K kubanki ndipo Babk amuloleza kuti abwerere miyezi ingapo.
    Pankhani yomwe ija pamwambapa, chidzachitike ndi chiyani ngati sadzabwereranso ku UAE?
    Kodi ndingaletse visa yake ndi pasipoti yake yokha?

  8. Avatar ya Tony

    Hi,
    Ndili ndi ngongole yangongole ya AED 121000 / -. Banki yandipatsako mwayi wopitilira muyeso.
    Cc wa AED 8k. Izi zili ndi Dubai First Bank ndipo sakufuna kundipatsa mwayi. Bungwe lakunja lotolera ngongole likundiyimbira foni tsopano ndipo akuti asungitsa cheke. Sindinakhale pantchito kuyambira Seputembara 2019. Chonde ndikulangizeni zomwe ndingachite.

  9. Avatar ya Ann

    Ndili ndi 6k yolipira kirediti kadi chifukwa cha mliri sindingathe kulipira mwezi uliwonse komanso kuchedwa kwa malipiro, komanso kuvuta kwake, dipatimenti yosonkhanitsa imandiyimbirabe ndikundisokoneza. Zowonadi, sindigwira ntchito moyenera coz ngakhale nthawi yogwira ntchito ngati ndaphonya mafoni, amatumiza mauthenga a WhatsApp, maimelo… Sangadikire…

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