Ukukhokha kungaba ukubala okuyinkimbinkimbi kakhulu, ngezici ezihlukahlukene ezifaka imali ekugcineni.
Phakathi kwezinguquko ezivame kakhulu ezifakwe ohlelweni olujwayelekile lokunciphisa kukhona:
- Amanani wokukhiqiza amaningana (ama-PC) noma amakhomishini atholakele
- Izinhlobo zemikhiqizo ethengiswayo
- Ukuqoqwa kwempahla
Amafemu ase-Wall Street ngokuvamile aye aphathe izinkokhelo zabo zokukhokha njengezimfihlo zebhizinisi.
Indlela iGrid isebenza ngayo
Umgudu wokukhokhela umeluleki wezezimali emkhakheni ojwayelekile wokuhweba unikeza ukukhuthaza okuphindwe kabili ukuthola ama-credits amaningi wokukhiqiza (ama-PC) noma amakhomishini. Akukona nje ukuthola ama-credits amaningi okukhiqiza okuhunyushwa kube ngumholo ophezulu wezezimali, kepha futhi nangesilinganiso esiphezulu sokukhokha. Nasi isibonelo esilula kakhulu, esilungiswe ukukhiqizwa kwezikweletu zokukhiqiza:
- Ama-PC angaphansi kuka-100,000: ukukhokha okungu-20%
- Okungenani amaphesenti angu-100 000 naphansi kwama-250,000: ukukhokha okungu-25%
- Okungenani ama-250,000 nama-PC angaphansi kuka-500,000: ukukhokha okungama-30%
- Okungenani ama-500,000 nama-PC angaphansi kuka-1,000,000: ukukhokha okungu-35%
- Amakhompi angu-1,000,000 futhi aphezulu: ukukhokha kuka-40%
Manje, ukusebenzisa le gridi yokukhokha yesampula kumazinga ambalwa okukhiqiza:
- Ku-PC 300,000, ukhokhe = $ 90,000.00 (300,000 x .30)
- Kuma-499999 ama-PC, ukhokhe = $ 149,999.70 (499,999 x .30)
- Ku-PC 500,000, ukhokhe = $ 175,000.00 (500,000 x .35)
Lesi sibonelo sokugcina sibonisa isici esiyinhloko segridi yokukhokha, njengoba isetshenziswe ngokujwayelekile ku-Wall Street. Ngokuhambisa umeluleki wezezimali ezingeni elilandelayo legridi, enye ikhredithi yokukhiqiza eyengeziwe (i-PC) iholele ku-$ 25,000.30 eyengeziwe.
Lapha kunesibonelo esibaluleke kakhulu saleso sikhuthazo esiphindwe kabili sokwandisa ukukhiqizwa okukhulunywe ngenhla.
Izinhlobo zemikhiqizo ezithengiswayo
Amanye amafemu anehlukile kakhulu emgodini, ngokuthengisa izinhlobo ezithile zemikhiqizo enikezwa amanani akhokhelwayo akhethekile. Isibonelo, isikhungo singanikeza izikhuthazo ezikhethekile zokuthengisa izimali zomphakathi eziphakathi kwamanye amazwe, ukulingana kwezinkinga ezintsha ezibhalwe phansi, noma izibambiso zazo ezinokufakwa kwempahla engaphezu kwezinto ezizimisele ukunciphisa izinhloso zokuphathwa kwezinhlekelele. Lokhu okungafani nemabhonasi kungasigxina noma kwesikhashana. Amabhonasi okuthengisa okwesikhashana ngokuvamile ayebhekwa ngokuthi "ukuphakanyiswa kwenyanga" ukukhushulwa.
Umqondo wokunikela ngokuthengisa okukhethekile kwemikhiqizo ethile, ikakhulukazi imikhiqizo yangaphakathi kwendlu, uye wangena emlilweni okhulayo ngoba ungafaka izithakazelo zomeluleki wezezimali ngokungahambisani nalabo abaklayenti bakhe. Ngenxa yalokho, amanye amafemu akhiphe izinzuzo ezinjalo ezikhethekile, futhi yonke indlela yabo "yezakhiwo ezivulekile" ezishiya umeluleki wezezimali engaphazamiseki ekufuneni izimoto ezingcono kakhulu zokutshala izimali kumthengi.
Izingcingo zezinkampani zokugcina izimali kanye nabeluleki bezezimali okufanele zihambisane nesilinganiso esivumelanako sokukhokha, ngokuphambene nesilinganiso sokufaneleka sokungeneli esivumbile, ngokuvamile sikhulume imikhuba efana nokukhushulwa kwenyanga "njengobufakazi bokuthi ukuguqulwa okwedlulele kuyadingeka .
Ukubutha Impahla
Ngisho nalapho inkokhelo yomeluleki wezezimali iqhutshwa ukuthengiselana kanye nezikweletu zokukhiqiza noma amakhomishini, kunokuba imali ye-aseset-based, amafemu amaningi aphinde akhiphe igridi yokukhokha ngokukhokha okugqugquzela ukuqoqa impahla. Isimiso sokubheka ukuthi kufanele sibe nempahla ephelele yezimali yomthengi ngekhompiyutha, lapho i-firm imelwe ukukhulisa imali engayithola kulowo maklayenti. Bheka ingxoxo yethu mayelana nokubuyela kumafaji amaklayenti noma isivinini sezimali .
Imali yokuqoqa imiklomelo ngokuvamile isekelwe ekunyuseni kwenzuzo ngonyaka nonyaka kumpahla ephelele kuma-client client accounts. Amanye amafemu angalungisa inani lokuqoqa izimpahla ukuze kuboniswe imali ekhokhwayo yamasheya amasha namasheya kuma-akhawunti amaklayenti, ukususa umthelela wokushintsha kwexabiso.