{"id":5304,"date":"2020-03-11T09:00:12","date_gmt":"2020-03-11T09:00:12","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=5304"},"modified":"2020-03-16T12:49:53","modified_gmt":"2020-03-16T12:49:53","slug":"what-are-fixed-and-variable-rate-business-loans","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/what-are-fixed-and-variable-rate-business-loans\/","title":{"rendered":"Beth yw benthyciadau busnes cyfradd sefydlog ac amrywiol?"},"content":{"rendered":"<p>Croeso n\u00f4l i flog BCRS! Yr wythnos hon byddaf yn s\u00f4n am gyfradd llog sefydlog ac amrywiol ar gyfer benthyciadau busnes.<\/p>\n<h6><strong>Beth yw benthyciad busnes cyfradd amrywiol?<\/strong><\/h6>\n<p>Mae cyfradd llog newidiol (a elwir weithiau yn gyfradd \u201caddasadwy\u201d neu \u201cgyfradd ansefydlog\u201d) yn gyfradd llog ar fenthyciad sy&#039;n amrywio dros amser oherwydd ei fod yn seiliedig ar gyfradd llog meincnod sylfaenol neu fynegai sy&#039;n newid o bryd i&#039;w gilydd, megis cyfradd sylfaenol.<\/p>\n<p>Bydd benthyciad cyfradd amrywiol gyda&#039;r rhan fwyaf o fenthycwyr yn amrywio yn ystod tymor y benthyciad yn dibynnu ar gyfradd y farchnad ar y pryd. Mae hyn yn golygu y bydd eich ad-daliadau misol yn mynd i fyny neu i lawr yn dibynnu ar weithgaredd y farchnad.<\/p>\n<p>Mae cyfraddau amrywiol yn aml yn dechrau ar yr ochr isaf o gymharu \u00e2 benthyciadau cyfradd sefydlog a all fod yn ddefnyddiol i BBaChau reoli eu llif arian. Yn yr hinsawdd sydd ohoni, gallai cael benthyciad cyfradd amrywiol fod yn opsiwn gwell, gan ei bod yn debygol y bydd cyfraddau\u2019n parhau i fod yn eithaf isel. Mae hyn yn golygu bod benthyciad cyfradd newidiol pum mlynedd yn debygol o fod yn rhatach na benthyciad cyfradd sefydlog pum mlynedd tebyg.<\/p>\n<h6><strong>Beth yw benthyciad busnes cyfradd sefydlog?<\/strong><\/h6>\n<p>Cyfradd llog sefydlog yw cyfradd llog ar fenthyciad sy&#039;n aros yr un fath yn ystod oes y benthyciad. Gall cael taliad sefydlog i weithio gydag ef bob mis wneud bywyd yn haws i chi fel perchennog busnes. Gall fod yn anodd rhedeg busnes a pheidio \u00e2 gwybod beth fydd eich taliad benthyciad o fis i fis.<\/p>\n<p>Mae gweithio ar gyllideb yn golygu yn ddelfrydol eich bod chi angen gwybod beth fydd eich taliadau. Os nad ydych chi&#039;n gwybod hynny, gall popeth ddod yn anoddach gweithio gydag ef.<\/p>\n<p>Gall benthyciad llog sefydlog roi tawelwch meddwl, oherwydd nid oes ansicrwydd ynghylch ad-daliadau misol. Mae gennych gyfradd llog gyson o&#039;r cychwyn cyntaf. Er efallai nad dyma oedd y gyfradd isaf yn y farchnad ar y pryd, gwyddoch nad yw\u2019n mynd i godi o un flwyddyn i\u2019r llall. Bydd eich benthyciad ar yr union gyfradd honno o nawr hyd nes y bydd y benthyciad wedi&#039;i dalu.<\/p>\n<p>&nbsp;<\/p>\n<p>Yn gyffredinol, yn yr hinsawdd bresennol mae busnes yn debygol o dalu llai o log ar fenthyciad cyfradd newidiol na benthyciad cyfradd sefydlog. Fodd bynnag, mae angen i chi sicrhau y gallwch fforddio&#039;r ad-daliadau os dylai&#039;r cyfraddau gynyddu.<\/p>\n<p>Yn BCRS rydym yn gwneud pethau&#039;n wahanol. Gyda&#039;n cyfraddau llog rydych chi&#039;n cael y gorau o&#039;r ddau fyd!<\/p>\n<p>Rydym yn codi ymyl cyfradd llog rhwng 8% - 18% uwchlaw cyfradd sylfaenol newidiol gyfredol Banc Lloegr o 0.25% (cywir ym mis Mawrth 2020). Rydym yn cadw\u2019r ad-daliadau yr un fath yn ystod cyfnod y benthyciad. Pan ddaw i wneud y taliad terfynol, bydd yr ad-daliad yn cael ei addasu yn unol \u00e2 hynny, os yw&#039;r gyfradd wedi codi bydd eich ad-daliad terfynol yn cynyddu, neu bydd tymor y benthyciad yn cael ei ymestyn. Os yw&#039;r gyfradd wedi gostwng bydd eich ad-daliad terfynol yn llai, neu byddwch yn ad-dalu&#039;r benthyciad yn gynnar.<\/p>\n<p>Ydych chi&#039;n BBaCh yng Ngorllewin Canolbarth Lloegr a&#039;r cyffiniau sy&#039;n edrych i roi benthyg rhwng \u00a310,000 a \u00a3150,000 gyda thymor o un i saith mlynedd? Pennaeth i <a href=\"https:\/\/bcrs.org.uk\/cy\/\">www.bcrs.org.uk<\/a> i amcangyfrif eich ad-daliadau misol gan ddefnyddio ein cyfrifiannell benthyciad.<\/p>\n<p>Dilynwch ni ar gyfryngau cymdeithasol:<\/p>\n<p><a href=\"https:\/\/twitter.com\/B_C_R_S\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4399\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png\" alt=\"Twitter-logo The benefits of customer referrals for businesses\" width=\"58\" height=\"58\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png 451w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-350x350.png 350w\" sizes=\"auto, (max-width: 58px) 100vw, 58px\" \/> @B_C_R_S\u00a0<\/a><\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/company\/bcrs-small-business-loans\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4400\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png\" alt=\"The benefits of customer referrals for businesses\" width=\"62\" height=\"62\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png 456w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-350x350.png 350w\" sizes=\"auto, (max-width: 62px) 100vw, 62px\" \/>Benthyciadau Busnes @BCRS\u00a0<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4565\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/10\/7048-BCRS-Lauren-McGowan-Avatar-STG1-04.06.2019.png\" alt=\"Lauren-McGowan Avatar\" width=\"67\" height=\"67\" \/>Cyhoeddwyd gan \u2013 Lauren McGowan \u2013 Cynorthwyydd Marchnata Digidol<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Croeso n\u00f4l i flog BCRS! Yr wythnos hon byddaf yn s\u00f4n am gyfradd llog sefydlog ac amrywiol ar gyfer benthyciadau busnes. Beth yw benthyciad busnes cyfradd amrywiol? Mae cyfradd llog newidiol (a elwir weithiau yn gyfradd \u201caddasadwy\u201d neu \u201cgyfradd ansefydlog\u201d) yn gyfradd llog ar fenthyciad sy&#039;n amrywio dros amser oherwydd ei fod yn\u2026<\/p>","protected":false},"author":12,"featured_media":5306,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[85,156,211,517,515,513,514,516],"class_list":["post-5304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-access-to-finance","tag-alternative-finance","tag-bcrs","tag-blog","tag-fixed","tag-interest-rates","tag-rates","tag-variable"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What are fixed and variable rate business loans? - BCRS Business Loans<\/title>\n<meta name=\"description\" content=\"Are you an SME in and around the West Midlands? 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