Waa maxay credit muddada gaaban ee ganacsi?

amaah-gaaban - this waxaa bixiya bangiga waqti gaaban xaddiga lacagta, kaas oo la soo saaray shuruudaha maturity, bixinta iyo bixinta. Sida caadiga ah, heshiis la deynsanaya muddo qoro oo aad u baahan tahay in deynta, iyo dulsaarka iyo xaaladaha daynta tafaariiqda kala duwan yihiin mabaadi'da hay'adaha bangiyada leh dadka ka. Currently, deyn bangiga muddo gaaban loogu talagalay shirkadaha maalgelinta, qaybsan amaahda hal mar, overdraftiyada iyo daynta qaab line credit non-cusboonaysiin karo ama wareegi.

Deposit: shirkadaha gaarka ah ka heli kartaa muddo gaaban amaah ganacsi, bixinta hay'adda bangiyada sida hantida dareere rahmad, iibinta taas oo ay dhacdo non-bixinta lacagta laga qaaday amaahiya dabooli karo lacagta ku lahaa bangiga. Sida rahaamad shirkadda isticmaali kartaa deggan yahay ama ganacsi hantida maguurtada ah, gaadiidka iyo dhulka, mishiino khaas ah iyo qalab in loo sameeyay in ay lacag ku shubto in waxyaabaha wareegga.

Eheen: The jeediyey xafiisyada bangiyada eheen - amaah muddo gaaban ah oo uu soo saaray ganacsiyada si ay u daboosho la'aanta ku meel gaar ah loo isticmaalo by magaalada ka shaqeeya in lacagta qaranka u sahli si ay u fuliyaan xisaabin hadda. Currently, eheen waxaa la sameeyaa iyadoo la isticmaalayo waraaqo lacag bixinta u sarreeyey haraadiga maal account hadda ee shirkadda, gudahooda lacagta asal ahaan la isku raacay. Oo eheen waa laydiin oofin kharash ku lacagaha helay ee account hadda ka mid ah ganacsiga macmiilka.

Eheen filan kartaa shirkado ganacsi oo leh taariikh credit nadiifsan. dareenka kala duwan ee amaah muddo gaaban waa hay'ad maaliyadeed ka dhigaya ilaa for la'aanta ah ee lacag bixinta si ay u akoonka qiimo ganacsi-macaamiisha in xaalad ururka xisaab hadda lacag ka yar ee loo baahan yahay in la sameeyo bixinta. Waxaa intaa dheer, lacagta hay'ad maaliyadeed si toos ah account hadda ee qaataha, magaca kaas oo lagu qeexay in waraaqaha lacagta tagaan, oo ma on account of shirkadda, taas oo macmiil ah bangiga.

Overdraftiyada waxaa sida caadiga ah furan si toos ah lacag marka waxaa lagu tiriyaa in ay account macmiilka, iyo shuruudaha kala duwan oo amaahda sida cad u qoray in heshiis la saxiixay by amaahdaana iyo wax amaahiya. Sida caadiga ah, adeegga eheen ku salaysan yahay xiriirka kalsoonida ka dhaxaysa shirkadda macmiilka iyo wakiilka Baanka ah, si wax amaahdaana muhiim ma aha si ay u fuliyaan heshiisyada amaah mar kasta oo marka ay shirkaddu ka maqan lacag.

Deyn loogu shaqaysto: Shirkadaha credit muddo gaaban la siiyo maalgelinta ay ka buuxaan hawlaha ganacsiga ka socda. Iyada oo amaahda waxaa laga yaabaa in iibka ah ee alaabta ceeriin, noocyo kala duwan oo ka mid ah maaddooyinka in ay soo saaraan waxyaabaha dhamaystirtay, iibka jumlada ee cayn kasta oo alaabta, ujeedada taas oo ah in ay gadista xiga.

line Credit: Inta badan credit muddo gaaban ah ururada ganacsiga ayaa la soo saaray by furitaanka line credit a. Xaaladdan oo kale, lacagta soo saaray macmiilka qaab waqtiyo kala shakhsi muddo waqti gaar ah, xadka ay asal ahaan ku cad heshiiska, halka qabashada wadahadalo dheeraad ah oo gaar ah ayaa loo baahan yahay.

line credit Non-wareegi - nooc ka mid ah u aqoonsashada, marka lagu rakibay gudahood hay'adda bangiyada ganacsiga, ururka helo waqtiyo kala xaddido lacagta gaar ah ka hor caddeyn in heshiiska. In the case of line a wareegi shirkadda macmiilka helo wajigii lacag caddaan ah, oo ka dib u bixinta buuxa laga yaabaa in deyn lacag caddaan ah oo cusub gudahood xadka la aasaasay oo ku saabsan shuruudaha ku xusan heshiiska amaahda.