1.1: Ndokumbira utarise kuti "dhipoziti" uye "dhipoziti" hazvina kuenzana ne "dhipoziti"
Paunosaina kondirakiti, ungangoda kuti mumwe wacho abhadhare dhipoziti kuitira kuti ive nechokwadi chekuita kwekondirakiti.Sezvo "dhipoziti" ine chirevo chepamutemo, unofanirwa kuratidza izwi rekuti "dhipoziti".Kana iwe ukashandisa mazwi ekuti "dhipoziti", "dhipoziti" uye zvichingodaro, uye usingataure zvakajeka muchibvumirano kuti kana rimwe bato rikatyora chibvumirano, harizodzoserwe, kana rimwe bato ratyora chibvumirano, zvichave. zvakapetwa kaviri, dare harizokwanisi kuitora sedhipoziti.
1.2: ndapota tsanangura zvinoreva vimbiso
Kana bhizinesi rako richida kuti rimwe bato ripe vimbiso, paunenge uchisaina chibvumirano nevatengi vakakodzera, ndapota iva nechokwadi chekutaura zvakajeka zvemutsigiri anopa vimbiso yekuita kwechikwereti, dzivisa kushandisa zvirevo zvisina kujeka senge "mutoro kugadzirisa" uye "rine basa rekubatanidza", kana zvisina kudaro dare harizokwanisi kuona kugadzwa kwechibvumirano chevimbiso.
Iwe unogona zvakare kupa waranti kune vamwe nekuda kwebhizinesi.Kunyangwe iwe uri mukweretesi kana guarantor, zvinokurudzirwa kuti utaure nzvimbo dzekutanga uye dzekupedzisira dzenguva yekuvimbisa paunosaina chibvumirano chevimbiso.Kana iwe uchibvumirana nemumwe bato kuti waranti nguva yakareba kupfuura makore maviri, mutemo unobata nguva yewaranti semakore maviri.Kana pasina chibvumirano chakajeka, nguva yekuvimbisa ichaonekwa semwedzi mitanhatu kubva pazuva rekupera kwechikwereti chikuru chekuita nguva.Kunyange zvazvo sarudzo ye "joint and several guarantee" kana "general guarantee" inoenderana nenhaurirano pakati pako nemutengi, chibvumirano chevimbiso chinofanira kusanganisira mashoko okuti "joint and several guarantee" kana "general guarantee".Kana pasina chibvumirano chakajeka, dare richazviona semubatanidzwa uye vimbiso yakawanda yemhosva.
Kana iwe uri mukweretesi uye chikwereti chinovimbiswa ne "general garanti" chibvumirano chechibvumirano hachina kubhadharwa kana chakakodzera, iwe unofanirwa kumhan'arira kana kukakavadzana nemukwereti uye muchengeti mukati menguva yekuvimbisa.Kana chikwereti chakavimbiswa nechibvumirano chevimbiso nenzira ye "joint uye vimbiso yakawanda" chikasabhadharwa mushure mekupera kwechibvumirano chevimbiso, tapota kumbirai pachena kuti muchengeti aite chisungo chevimbiso pakarepo nenzira inotaridza uye inoshanda panguva yevimbiso. .Kana iwe usingashandisi kodzero dzako panguva yewaranti, muchengeti achakusunungura kubva pachikwereti chewaranti.
1.3: ndapota nyoresa vimbiso yemortgage
Kana bhizinesi rako richida kuti rimwe bato ripe garandi yembande, zvinokurudzirwa kuti iwe nemutengi wako muende nemanyorerwo ekunyoresa nevakuru vekunyoresa vakakodzera nekukurumidza kana muchisaina chibvumirano chemba.Chete chibvumirano chemondgage pasina kuenda nenzira dzekunyoresa zvinogona kuita kuti kodzero dzako nezvido zvako zvirasikirwe nehwaro hwekuzadzikiswa.Kunonoka kusiri madikanwa uye kunonoka kunogona kuita kuti kodzero yako ive yakaderera kune mamwe mabhizinesi akanyoresa pamberi pako.Kana mutengi wako akanonoka kana kuramba kukubatsira kuti upfuure nemaitiro ekunyoresa imba mushure mekusaina chibvumirano chemumba, zvinokurudzirwa kuti umhan'are kudare nekukurumidza uye wokumbira dare kuti rikubatsire kuita nzira dzekunyoresa. zvekumanikidzira.
1.4: vimbiso yekuvimbisa ndapota chengetedza kuendeswa kwezvinhu zvakavimbiswa
Kana bhizinesi rako richida kuti rimwe bato ripe vimbiso yekuvimbisa, zvinokurudzirwa kuti ubate maitiro ekupa chibatiso kana chitupa chekurudyi nemutengi wako kana uchinge wasaina kondirakiti.Kana iwe ukangosaina chibvumirano chemhiko usina kunyatsotora chitsidzo, dare harizokwanisa kuchengetedza chikumbiro chako kuti uwane kodzero yekuvimbisa.
Kuchengetedza panguva yekushanda kwechibvumirano
2.1: Ndokumbira uite zvisungo zvechibvumirano zvinoenderana nechibvumirano
Zvibvumirano zvinogadzirwa maererano nemutemo zvinodzivirirwa nemutemo.Kana kontrakiti yakapedzwa pakati pebhizinesi nemutengi isingatyore zvinotemerwa zvemitemo nemirairo yekutonga kana kukuvadza kufarira veruzhinji, iko chibvumirano chinoshanda chakachengetedzwa nemutemo.Mapato ese ari maviri ane chisungo chekunyatsotevedzera chibvumirano uye kuita zvizere chibvumirano.Hazvina mhosva kuti zita rekambani rakashandurwa, kodzero dzemasheya dzekambani dzinoshandurwa, kana mumiriri wepamutemo, munhu anotarisira, kana munhu anotarisira akachinjwa, hazvingave chikonzero chekusaita kondirakiti, inova zvakare. vimbiso yakakosha yekuchengetedza yako uye bhizinesi mukurumbira wekambani.
2.2.: ndapota tsvagai nzira yekugadzirisa gakava nerubatsiro rwakanyanya
Kuchinja kwemamiriro ehupfumi kunowanzo tungamira kukuchinja kwakanyanya mumutengo wemusika wezvinhu.Zvinokurudzirwa kuti usasarudza zviri nyore kutora danho rekutyora kondirakiti, kumisa kondirakiti, kana kukwidza nyaya kumatare kugadzirisa dambudziko.Zvinonyanya kubatsira kuderedza kurasikirwa kutaurirana nevatengi vako zvakaenzana uye kuwana mhinduro inogamuchirwa kune ese ari maviri.Kunyangwe muhurongwa hwekukwikwidzana, kubvuma kupindirana pasi pedare redzimhosva kuchave kwakanakira kuchengetedzwa kwezvido zvemabhizinesi.Zvingasava zvakakunakira kuti urege kutsvaga kugadzirisa uye kumirira mutongo.
2.3: ndapota edza kugadzirisa nebhangi
Paunenge uchitarisa nzira yekubhadhara, ungave uri mubhadhari kana mubhadharo, mukuwedzera kune hushoma hwekutengesa, ndapota edza kugadzirisa kuburikidza nebhangi, kugadzirisa mari kunogona kukonzeresa iwe dambudziko risingakoshi.
2.4: ndapota teerera kune kugamuchirwa kwezvinhu uye kusimudza zvirambidzo
Kutenga kwezvinhu ibhizinesi remazuva ese rebhizinesi.Ndapota teererai kugamuchirwa panguva yakakodzera kwezvinhu.Kana zvinhu zvikaonekwa zvisingaenderane nechibvumirano, ndapota simudza kupikisa mukunyorera kune mumwe mubato nekukurumidza mukati menguva yakatarwa nemutemo kana kubvumirana muchibvumirano.Kunonoka kusingakoshi kunogona kukonzera kurasikirwa kwako kwekodzero yekukumbira.
2.5: ndapota usaburitse zvakavanzika zvekutengesa
Mukuita nhaurirano nekuita kwekondirakiti, kazhinji unongosangana neruzivo rwebhizinesi rewaunoshanda naye kana zvakavanzika zvebhizinesi.Ndokumbira usaburitse kana kushandisa ruzivo urwu mushure menhaurirano, kuita kwechibvumirano kana kunyange kuita, zvikasadaro unogona kutakura mutoro unowirirana.
2.6: ndapota shandisa kodzero yekudzivirira isina kugadzikana nemazvo
Panguva yekushanda kwekondirakiti, kana uine humbowo hunoratidza kuti bhizinesi rerimwe bato rakashata zvakanyanya, pfuma inotamiswa kana mari inobviswa kuitira kudzivirira chikwereti, mukurumbira webhizinesi unorasika, kana mamwe mamiriro akarasika kana kurasikirwa nekugona. kuita chikwereti, unogona kuzivisa mumwe mubato nenguva kuti uite zvaunosungirwa kuita zvinoenderana nekondirakiti.