Chii Chinoitika Kana Bhizinesi Rakatadza paChikwereti? Migumisiro uye Sarudzo

Kana ukasabhadhara chikwereti kana kadhi rechikwereti kuUnited Arab Emirates (UAE), mhedzisiro yakawanda inogona kuitika, inokanganisa hutano hwako hwemari uye chimiro chepamutemo. Iyo UAE ine mitemo yakasimba maererano nekubhadhara chikwereti, uye zvakakosha kuti unzwisise izvi zvinorehwa kudzivirira kukanganisa kwakanyanya. Heino ongororo yakadzama:

Iripo Pakarepo Zvemari

  • Kunonoka Kubhadhara Mari: Kushaya nguva yekubhadhara kazhinji kunokonzeresa kunonoka mubhadharo, zvichiwedzera huwandu hwechikwereti.
  • Kuwedzera Mbereko Yemari: Mamwe mabhanga anogona kuwedzera mubereko pamari yako yasara, zvichiwedzera chikwereti.
  • Lower Credit Score: Kusabhadhara kunogona kukonzera kudzikira kwechikwereti chako, zvichikanganisa kugona kwako kuwana zvikwereti kana kiredhiti mune ramangwana.

Migumisiro Yemutemo uye Yenguva Yakareba

  • Mutemo Wekuita: Mabhangi nemasangano ezvemari anogona kutora matanho emutemo kune vanotadza. Izvi zvinogona kusanganisira kuisa nyaya mumatare eUAE.
  • Kurambidzwa Kwekufamba: Muzviitiko zvakakomba zvekutadza kwechikwereti, zviremera zveUAE zvinogona kumisa kurambidzwa kufamba, kudzivirira uyo akatadza kubva munyika kusvika chikwereti chagadziriswa.
  • Civil Case: Mukweretesi anogona kumhan'ara mhosva yekudzosera chikwereti. Kana dare rikatonga pamusoro peakatadza, rinogona kuraira kutorwa kwemidziyo kana muhoro kubhadhara chikwereti.
  • Mhosva dzeMhosva: Kana cheki yakapihwa mukweretesi ichibheuka nekuda kwemari isina kukwana, izvi zvinogona kutungamira kumhosva yekuuraya muUAE.

Impact paKushanda uye Kugara

  • Matambudziko Ebasa: Vashandirwi muUAE vanoitisa kiredhiti cheki, uye rekodhi rechikwereti rakashata rinogona kukanganisa mikana yako yebasa.
  • Visa Renewal Issues: Nyaya dzechikwereti dzinogona kukanganisa kuvandudzwa kwemavhiza, zvichikanganisa kugona kwako kugara munyika.

Matanho Ekuderedza Migumisiro

  • Kukurukurirana neVakwereti: Kana wakatarisana nematambudziko emari, zvakakosha kuti utaure nevakweretesi vako. Mabhangi mazhinji anopa zvirongwa zvekugadzirisa zvakare kubatsira kubata kudzoreredza.
  • Kubatanidza Chikwereti: Funga kubatanidza zvikwereti zvako kuti zvive chikwereti chimwe chete chine mubereko wakaderera kuti mubhadharo ugone kudzoreka.
  • Legal Consultation: Kutsvaga mazano kubva kune nyanzvi yezvemitemo pamusoro pekugadzirisa chikwereti kunogona kupa mazano ekufambisa mamiriro acho zvakanaka.

Kutadza kubhadhara chikwereti kana kadhi rechikwereti muUAE kunogona kutungamira kune zvakakosha zvemari, zvemutemo, uye zvemunhu. Zvakakosha kutora matanho ekugadzirisa zvikwereti uye kutsvaga mazano enyanzvi kana wakatarisana nematambudziko. Yeuka, kudzivisa kana kuti kufuratira chinetso chacho kunogona kuwedzera mamiriro acho ezvinhu, kuchitungamirira kumigumisiro yakakomba zvikuru.

Defaulting pa a bhizinesi chikwereti anogona kuva serious zvemarizviri pamutemo, uye kwenguva refu migumisiro kumakambani nevaridzi. Gwaro iri rinoongorora zvinoumba Default, zvigumisiro zvakasiyana-siyana chikwereti mhando, uye nzira dzekupora kana uchinetsekana nazvo dzoserera.

Chii Chinoita Pamutemo Chikwereti Chinogadzika?

Maererano nechikwereti chibvumirano, default kazhinji zvinoreva a mukweretesi:

  • Anopotsa akawanda kubhadhara
  • Inotyora mamwe mazwi sekutadza kuchengetedza inishuwarenzi
  • Mafaira ekubhuroka kana kuti insolvency maitiro

Kungoshaya muripo mumwe chete kazhinji utsotsi. Asi mubhadharo wakapotsa wakatevedzana unofambira mberi uchienda kumamiriro ekutanga.

Chaizvo kuti vangani vakapotsa kubhadhara kana kuti ndeapi nguva yakatarwa inotsanangurwa mune chaiyo chibvumirano chechikweretiZvikwereti zvakachengetedzwa zvakare kazhinji iine zvakanyanya kuomarara zvinokonzeresa senge kuderera kwemari yebhizinesi kana muridzi mambure.

Kana yakaziviswa zviri pamutemo mukati Default, chiyero chakazara chechikwereti chinowanzova nekukasira. Kutadza dzoserera zvichaita kuti wemukweretesi kodzero dzekuwanazve kuburikidza nemaitiro emutemo.

Mhedzisiro Yakakosha YeBhizinesi Chikwereti Default

Mhedzisiro yekukanganisa inoenderera kune zvemari, inoshanda, yemutemo uye kunyangwe nzvimbo dzemunhu:

1. Kukuvadza Chikwereti Zvikoro uye Future Financing

Default inokuvadza zvakanyanya chimiro chebhizinesi chechikwereti, chinoratidzwa mune zvekutengesa kiredhiti mishumo kubva kumasangano akaita seExperian neD&B.

Zvibodzwa zvakaderera zvinoita kuchengetedza mari kune zvinodiwa senge midziyo, yekuverenga, kana kukura zvakanyanya kuoma kuenda kumberi. Zvibereko zvemitero zvakare inowanzo wedzera nekuti bhizinesi rave kunzi rine njodzi.

2. Kuita Zvemutemo, Mhosva, uye Kubhuroka

Pakutadza, vanokweretesa vanogona kumhan’ara ari kambani yekukwereta zvakananga kuedza kudzosa mari yaunokwereta. Kana varidzi vakapa a vimbiso yega, zvinhu zvavo zvomunhu oga zviri mungoziwo.

Kana zvisungo zvisingakwanisi kuitwa, bhizinesi kana kunyange zvemunhu bankruptcy inogona kunge iriyo yega sarudzo. Aya mafaera 'anokanganisa anogara kwemakore achikanganisa kuwana kiredhiti uye kushanda.

3. Kutora Asset uye Collateral Liquidation

Zvekutsigirwa neasset "akachengeteka” zvikwereti, default trigger ari wemukweretesi kodzero yekubata uye kuvharisa zvakapikirwa collateral semidziyo, midziyo kana maakaundi anotambirwa. Vanoisa mari yakadzoserwa kumari yechikwereti yakapfuura.

Kunyangwe mushure mekuvharwa kwechibatiso, masarari asina kudzoserwa anofanirwa kubhadharwa nebhizinesi zvichienderana neiyo mashoko uye mamiriro yakasainwa.

4. Kukuvadza Kwekushanda uye Kuzivikanwa

Iyo domino mhedzisiro kubva mukudzikira kusvika kune guta mushure mekukanganisa kunogona kukanganisa kushanda kwenguva refu. Nhau zvakare ine njodzi yakakosha kukuvadzwa nemukurumbira ne vatengi, vatengesi nevabatsiri kana vakashambadzirwa.

Izvi zvinomisa mikana uye kukwikwidzana kunyanya kune mabhizinesi madiki anofambiswa nekutengesa kana avo vanoshanda bhizinesi-kune-bhizinesi.

Chaiyo Chikwereti Mhando uye Migumisiro

Default ramifications inosiyana zvichienderana ne chikwereti chinangwa, chimiro uye chengetedzo:

Zvikwereti Zvisina Kuchengetedzeka zveBhizinesi uye Mitsetse Yechikwereti

Common kubva kune imwe nzira vakweretesi or makambani efintech, izvi "hapana rubatso" zvikwereti zvinosiya zvishoma assets panjodzi pane default. Nekudaro, imwe fomu ye vimbiso yega kubva kuvaridzi zvakajairika.

Mubhadharo wakarasika unokurumidza kuunganidza nhare netsamba, zvichiteverwa neanogona kubhadharwa kana kumhan'arira midziyo yevaridzi zvichienderana nevimbiso. Zvikwereti zvisina kuchengetedzwa hazviwanzo bvisika mukubhuroka.

Yakachengetedzwa Nguva Yechikwereti kana Zvekushandisa Mari

Kutsigirwa ne collateral semichina kana mota dzakapihwa mari, zvisizvo pano zvinoita kuti mukweretesi atore nechisimba obva avhara midziyo iyoyo kuti adzore mari yake.

Chero chasara chinoteverwa nedare, kunyanya kana chichitsigirwa nevaridzi vevimbiso. Asi makiyi emakina ekumisikidza anogona kukuvara zvakanyanya.

Mabhizinesi Anonetsekana Anogona Sei Kudzivirira Default

Kuita preemptively zvirinani zvinzvimbo mabhizinesi akatarisana nematambudziko ekuyerera kwemari kudzivirira kusamira:

  • Nyatsoongorora mamiriro echikwereti mberi kuziva zvinogona kukonzera.
  • Ramba uchikurukurirana nevose vakweretesi kana vakatarisana nematambudziko ekubhadhara. Kunyarara kunovimbisa kuwedzera.
  • Bvunza nezvezvirongwa zvekuomerwa, kugadziridzwa kwechikwereti kana kubhadharazve zvigadzirwa zvinoderedza mutoro.
  • Ongorora stacking diki zvikwereti zvekusimbisa zvikwereti kurerutsa kubhadhara.
  • Bvunza vanachipangamazano vezvemari vane hunyanzvi semaakaunzi kana magweta kuti tiwane nhungamiro.

Kunyange zvisingapere, nhanho idzi dzinogona kubatsira kuona kuti mabhizinesi anowedzera kushanda zvinovaka nevakweretesi kudzivirira kusamira.

Kudzoreredza kubva kuBusiness Loan Default

Kana zvangoziviswa kuti zvisizvo, kutaurirana zvine hungwaru kutaurirana zvisungo kana kubhadhara kunoramba kuchikosha sezvo vakweretesi vanoda kunzvenga maitiro emutemo. Sarudzo dzinogona kuenderana nemamiriro ezvinhu asi dzinogona kusanganisira:

Chikwereti Restructuring Plans

Vanokweretesa vanoongorora bhizinesi' yakagadziridzwa ruzivo rwemari uye kubvumirana neakagadziridzwa mazwi ekubhadhara senge mari shoma, nguva yakawedzerwa kana kunonoka mazuva ekutanga kubatsira kudzikamisa mamiriro.

Offer in Compromise (OIC) Settlements

Bhizinesi rinoratidza kuti harikwanise kudzosera mari yakasara yasara. Mukweretesi anogashira muripo mudiki wakabvumiranwa selump-sum settlement yekubvisa kodzero dzemutemo.

Bankruptcy Filing

Kana shanduko yebhizinesi inogoneka ikaramba isingagoneki nekuda kwekuomarara kweiyo default, varidzi vanoshanda nezano kuti vawane dziviriro. Vanokweretesa vanofanirwa kumisa basa rekuunganidza asi zvakare havazowanzo kupa mabhizinesi akadai mari zvakare gare gare.

Makiyi Ekutora paBhizinesi Chikwereti Default Scenarios

  • Tarisira kukanganisa kwakanyanya kwemari, mutemo uye kushanda izvo zvinogona kukanganisa zvakanyanya kana kuparadza bhizinesi kana kusarudzika kuchiitika uye kukaramba kusina kugadziriswa.
  • Kuita nekukasira kuramba uchikurukurirana nevakweretesi uye kugadzirisa kana kudzorera mazwi pamatambudziko arikubuda anogona kubatsira kudzivirira kukwira kusvika pakutadza zvachose.
  • Kushandisa kiredhiti kuraira masevhisi nekukurumidza kune hungwaru kuti unzwisise njodzi chaiyo uye mamiriro anoenderana nechikwereti zvimiro. Ongorora sarudzo dzese usati wapedzisa kutadza kwebhizinesi kana kubhuroka kunova kusingadzivisike nekuda kwezvikwereti.

Nezvirongwa zvakarongedzerwa uye kutaurirana kwevarwere kunyangwe kwakambotadza, mabhizinesi anogona kudzikamisa mamiriro zvakare kana kugadzira mabudiro akanaka. Asi kudzivisa kutarisana nemamiriro ezvinhu kunovimbisa kukundikana kwekambani.

10 pfungwa pa "Chii Chinoitika Kana Bhizinesi Rikatadza paChikwereti? Migumisiro uye Sarudzo"

  1. Avatar yaFouad Hasan

    Ndine chikwereti changu cheNoor Bank uye yangu iri kuremerwa mari ndeye AED 238,000. Ini handishande kubva muna Nyamavhuvhu 2017 uye EMI yangu yemwedzi inobviswa kubva kune yangu gritiity. Ikozvino kana mari yangu yapera ini ndotadza kubhadhara. Chii chichaitika kana ndikasabhadhara mari yangu. Kana nyaya yemapurisa ikanyoreswazve saka ndinofanira kutongerwa mazuva mangani kana mwedzi yakawanda.

  2. Avatar yeParul Arya

    Ini ndinonzi PArul Arya, ndakagara muUAE kwemakore makumi maviri asi gore rakapera ndakave nekurasikirwa kwakanyanya mubhizinesi nekudaro ndaifanira kusiya nyika. Ini ndaive nezvikwereti zvezvivakwa zviviri uye 20 kiredhiti kadhi rechikwereti…. Neimwe nzira mukurasikirwa ndakakwanisa kutengesa zvivakwa uye kubvisa zvikwereti asi handina kukwanisa kubhadhara mari yemakadhi echikwereti
    yangu izere yakasarudzika ndeye:
    Emirates NBD: 157500
    RAK Bank: 54000
    Dubai Kutanga: 107,000

    Ini ndakabhadhara yakawanda yenguva shoma mabhadharo asi zvakadaro mari iri kuramba ichiuya ichiwedzera uye yakawanda… izvozvi i hv hapana kana mari yekubhadhara futi. Asi ini ndinoda chaizvo kuti zita rangu rijekeswe
    uchagona kubatsira here? Kana hongu, Nditumirewo email.
    Kunyangwe i hv hapana zvirongwa zvekuzombouya kuAU asi ndichiri kuda kujekesa zita rangu. Ini handisi munhu anochengeta anyones mari

  3. Avatar ye sasha shetty

    ndine kadhi rechikwereti kubva kune mash req bank, ikozvino aed 6000 yakadikanwa uye yakazara istenti aed 51000, isina kubhadharwa mwedzi wadarika. pavanodaidza nguva iyoyo ndakaudza ichabhadhara.
    asi ivo vanokanda cheki zvakanyanya.

    -Kuraira kuraira mushure memwedzi mingani ivo ivo vanozo bvisa cheki
    - Mapurisa achasunga

  4. Avatar yaMuhammad Loqman

    Mhoroi, ndine chikwereti changu che57k & 25k chikwereti chemota & chisina basa. Ndine chikwereti chimwe chete chakamirira kubva kune zvikwereti zvese uye bhangi rakanditumira yambiro yekupedzisira ichiti macheki angu achakwidzwa & nyaya yehurumende ichamisirwa kudonha kwekufamba.
    Pls. Zano pa wat rinoda kuitwa.

  5. Avatar yeChandrmohan

    Mhoro,

    Ndine chikwereti changu che25k uye 3 makadhi echikwereti akasiyana nekuti sa 55k, 35k abd 20k uye handishande.
    Ndapota vaudza.

    Parizvino kutsvaga basa idzva kutanga kudzosera zvikwereti zvangu.

  6. Avatar yeBijendra Gurung

    Kwaziwai,
    Ndiri kungoshanda pano muUAE uye mukadzi wangu ane vhiza yanga iri pasi peyangu rutsigiro abva munyika nekuda kwedenda iri sezvo kambani yake yakanga yavapa zororo risingabhadharwe kwenguva refu. Panguva imwecheteyo yaakakumbira kubvuma kusiya chigaro & kugadzirisa Kubhadhara kwakaitwa nekambani yake uyezve ivo vaive vakachengeta kadhi rake rebasa richishanda nesarudzo kana achifarira kujoina saka anogona kana achinge adzoka. Saka parizvino kadhi rake rebasa rakapera uye harina kuvandudzwa sezvo vachida chitupa chekupupura kuti vadaro. Nekudaro iyo kambani haina mukana wekuvhura zvekare. Ane chikwereti chakasarudzika che40K nebhangi uye Babk akamutendera kudzoserwa kwemwedzi mishoma.
    Mune nyaya iri pamusoro, chii chichaitika kana akasazodzoka kuAU?
    Ndichiri kukwanisa kudzima vhiza yake nepasipoti yake chete?

  7. Avatar yaTony

    Mhoro,
    Ndine chikwereti changu cheAED 121000 / -. Bhanga rakandipa witha deferment.
    Cc yeAED 8k. Izvi zviri pamwe neDhaibha yekutanga Bhangi uye ivo havasi Kuda kundipa kudzoserwa. Yekunze yekuunganidza chikwereti agency iri callinh ini izvozvi uye vachiti ivo vanozoisa cheki. Ndanga ndisingashande kubva munaGunyana 2019. Ndokumbirawo mazano zvandingaite

  8. Avatar yaAnn

    Ndine 6k kiredhiti kadhi kubhadhara nekuda kwedenda ini handigone kubhadhara pamwedzi uye zvechokwadi kunonoka kwemubhadharo, uye zvakaoma, dhipatimendi rekuunganidza rinoramba richindisheedza uye richindivhiringidza. Chaizvoizvo, handidi kushanda nemazvo coz kunyangwe nguva yekushanda kana ndikarasikirwa nhare, ivo vanotumira mameseji eWhatsApp, maemail… Havazomirira…

Leave a Comment

Your kero e haangazozikamwi ichibudiswa. Raida minda anozivikanwa *

Mupumburu TOP