This topic is of interest primarily to those who in addition to manimeykerstva keeps its small off-line business services, and is not burdened with equipment, machine. If you do business, sooner or later there is the problem of working capital. Explain on her fingers. Let's say you buy on the wholesale basis Semko, fry them at home, then put your grandma on the market and it sells these Semka. First you buy a bag at his parents' money and, perhaps, taken from the grandmother's checkbooks. But the bag of fried, Grandma trades, you do nehuy. And the most valuable in the business - this time. Losing you do not want it and so do you think where else to take the loot to buy more semok and fry. The more so that your grandmother has already agreed with her friends and those willing to work for you, selling fried coolest Semka by Vova. But his pockets are empty - Granny is only beginning to make a profit. And for the most part you live on this money, pay bribes to protect and cops on the market. In short, you need to loot.
Vova goes to the bank and they sent Forums. We have only fragmentary Vovan bag from under the pan and semok. And none of this does not roll as collateral, although there is a state of emergency Vovan Ltd. and.
Vova scratching his head and takes the credit. Regular consumption. Everything 's cool, and after five days, five bucks Vovan again fucking money and piles in the form of monthly payments on the loan. Here I come to the existence of and I say - do not worry Vova is way cool.
Revolving credit line.
This is when you take money from the account, they are using, and then return back. Well, that does not look like arrogance, you pay interest for those who have the money you take.
So Pal topic. We go to the bank and make a card with a credit limit. How much will. On average, very easy to get a card with a limit of 30-60 thousand. Now almost all the banks to provide. In the end, you have formed stock bubble, which you can start up on girls, but you can buy an extra bag semok and quietly sold them all and then return the loot to the map.
But lest you should Tupile and did not get the credit ass, a few rules on the use of cards:.
1) Pay 12%. X took the money in a month 12% of the Verny. Rarely, but caught the banks, where interest pipets, there may be a need to return more. But overall, the return - 10 %% for using credit.
2) Run the payment. Few people are doing, even though it is actually simple - do not care for the bank count money on the map, he should withdraw their interest. So if you have several cards, and money only to one, then put a loot at the first card, the next day, remove the net of interest, put the second, we remove. So, with 10 thousand. in the pocket and 5 blank cards with a limit of 60 thousand. You can put out the payment on all cards in 5 days.
3) interest-free period. Interest-free period is valid ONLY for purchases. At the observed effect is not. T. e. for us it is useless.
4) Interest for the observed. Better than a simple card with a 2 % obnalom than interest-free period but obnalom in 4%. We do not go to the store, we have to loot to another.
5) There is no interest-free observed. It may be called differently, but still it would otherwise nafig bank to work with you.
Where is the bank you have? . If you have removed everything, and then carefully pay for a year, you pay: 22-25 % for 2-4% of the credit for the observed. If you're shooting, put each month, it will be 22-25% for the loan of 24-48 % observed.
Expensive? . But conveniently. Grandmother always at hand. It is more important than the lost time.
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