Bang Chi Leng Bank Toh Pangkhawm A Business Khansak Ding?
~ David Son
Tata Group ten Air India a leikhiat phet un Bank ah loan apply pah ua, Rs 10000 Crore piak in ompah uhi. Business sai taktak te’n Bank te sumzang in naa sem uhi. Lai I zil ua, solkar nasepna muhna ding ngimdeuh ihihziak uh hikha in the,laisiam a business hoihtak sai a, i sinkhiakte zangthei kitawm mahmah hi.
Lamka a I etleh Micro Enterprise ngen hideuh a , himahleh micro enterprise bangzah in bank sum zangthei hiam chih kidot huaipi khat ahi. Bank a loan I nget chiang a hon penuam lou uh chih hipah hi. Bang ziak a Bank te’n business loan hon penuam lou uh hiam chih theihkhiak leng poimoh hi.
Car loan, House loan leh Personal Loan etc laakdan I theisim chiat uhi. Huaite laakna ding in document tuamtuam, criteria poimoh teng na hihbukim chiang in loan hon pethei pan uh hi. Deihsakthu in criteria chinglou pi pethei tuan lou uhi.
Lamka ah Business bawlten Bank a loan lakna daltu lianpen hiai a nuai a te ahi:
1) GST Return file lou: North East State ah GST exemption limit om hi. Himahleh Bank loan piakna ding in GST Return filing poimoh hi. Input Tax Credit,ITC paidan theisiam inla, GST filing bawl le chin loan lakna ah mavang ding na hi.
2) Income Tax Return file lou: Business saite ding in IT return file ngai a,file louh ahihchian tampi liau khak theih ahi. Hiai paidan I theihchet louh ziak in khenkhat in bank transaction a kilatsak utlou in sum tang mahmah chi uhi. IT Return ah turnover tawmchik langsak, hilele loan tampi deih chihbang thil hithei lou ahi. Business account a sum hong lut tengteng PROFIT hizenzen lou, Principal + Profit ahi chih theisiam IT return hoihtak in file leng loan lakna ah phatuam hi. Return ginatak a na file louhchiang in IT Department in na turover apan 20 per cent bang leng hong cutsak theimawk ding uhi.
3) Tax toh kisai siamlouh paulam: Chartered Accountant te leng TAX toh kisai siampen hituan lou uh ahi. Internet khovel ah Youtube, website etlam kizen lehang tampi sintheih hi.Ban ah I mi le sa IT Department, GST Dept a sem tampi om a, huaite dong leng ei a ding khop maikhiat theih luatding ahi.
4) Thadah, Sai peihlou: Hihding leh sepding hoihzaw, manpha zaw nei leng hituan lou, ahih hang a Bank ten hon ngiatte uh sai peihlou ihi uhi. I lohchin zohlouhna uh thadahna hi pen hi.Maban saupi etna in a bul ah lampi nuam lawlou tawnngap kitamlou hi. A lohching hi a na muhte en le chin tupguhna neite mah hi uhi.
5) Kamsiam lou leh mi deal peihlou: Lamka ah hardware store lian deuh neite Mizo te ahi uh, amau kiang a van I va lei toh eimite kiang ah I lei a nopdan kibanglou deuh ahi. Kamsiam leh dohzohna tasam deuh I bang uhi.
Gam khantouhna ding in Business tuamtuam I bawl khiak uh ngai hi. Goods leh services te Lamka pua natan ah khakkhiak theihding I neihchiang un sum hong luanglut ding hi. Business na pat leh sepna neilou khat le nih sepna guantu na hipah hi. Business I lohsap leleng ei kia in thuaklou a ,Bank te hakkol zang a puaksawm ding ahi. Gam itna nasep Business enterprise bawlkhiak ahi chih thei in panla thak chiat ni.