Kungenzeka yini ukuthi uphinde ukhokhele imalimboleko komunye umuntu ngemvume yakhe?
Sawubona! Nginesimo esinjalo: kungekudala, udadewethu wakhipha imali ebhange elilodwa. Kepha muva nje, isimo sakhe sezezimali sishintshe kakhulu. Manje akasebenzi uhlala ekhaya nengane yakhe. Ungicela ukuthi ngimsize ekubuyiseni imali mboleko. Angiphikisani. Ngingakwazi yini ukudlulisela imali esele yemali mboleko kimi bese ngiyikhokhela yona?UMaxim, eYekaterinburg.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Sawubona! Kwabaningi, kuvela isimo lapho othandekayo noma umuntu osondelene naye, futhi kwesinye isikhathi umngani omkhulu, ecela usizo uphinde ubhalise imalimboleko yakho futhi ube nguyena ozosiza ukukhokha le mali mboleko, ngesikhathi esifanayo afeze zonke izibopho eziyohlinzekwa yibhange.
Ake siqale ngendatshana okumele nayo uyifunde ngaphambi kokuqala ukuthatha izinyathelo ezinjalo, ngoba ukungayazi imithetho kungaholela emiphumeleni edabukisayo (Ubuciko. Inombolo 398 GKRF).
Ngemuva kokufunda i-athikili, udinga ukuqiniseka imvume yabo bonke ababambiqhaza (inkampani yezezimali, umthengi nomnikazi wemalimboleko). Isinyathelo esilandelayo uzobe uqiniseka ukuthi yonke imibhalo ibhalwe phansi futhi ilungele ukuvuselelwa. Lezi zenzo zibalulekile.
Ngemuva kwalokho, ngokuhlanganyela nomboleki, udinga ukwazisa inhlangano yezikweletu ngesifiso sokuthi ufuna ukudlulisela isikweletu semalimboleko komunye umuntu. Ngemuva kokubhala isicelo enkampanini yezezimali ngokubhaliwe njengoba kudingwa ngumthetho.
Ngemuva kokuphothula zonke lezi zinqubo ezinzima, kuzodingeka unikeze iphakethe lamadokhumenti bese usho isizathu sokuthatha isinqumo esinjalo. Lokhu kungaba: ukulahlekelwa umsebenzi unomphela, isifo esibi kusuka kulowo othathe isikweletu, noma ukuthengiswa kabusha kwekhaya, imoto... Izizathu zingahluka, kepha kufanele zinikezwe, ngaphandle kwalokho ezinye izinkinga zingavela ekwenzeni lo msebenzi.
Kunezikhathi lapho umbolekisi athi "cha". Yini okufanele uyenze kulesi simo? Akunasidingo sokwethuka noma ukwenza iziphetho ezisheshayo, ungahlala uthola indlela yokuphuma kunoma yisiphi isimo, ngoba indlela engenhla akuyona yodwa. Sincoma ukuthi ufunde mayelana nokuthi ungayithola kuphi imali uma wonke amabhange nama-microloans enqaba.
Inketho yokuqala - ukuthola imalimboleko kwenye inkampani yezezimali. Inzuzo enkulu ngale ndlela ukuthi wonke umuntu kulokhu kuthengiselana uzohlala ku- "Futhi", lesi sixazululo silula. Funda ngokuthi ungayithola kanjani futhi kuphi imali mboleko ngaphandle kokwenqaba kwenye yama-athikili ethu.
Inketho yesibili. Uma amalungu "esivumelwano" evumelana ngobungani, lokhu kuzovumela ukungasebenzisi izindlela ezisemthethweni neziyihlazo, ukuwavumela ukuthi ashiye konke njengoba enjalo, futhi athembele egameni elinikezwe umuntu wesithathu futhi alinde njalo ngenyanga ukuthi uzokhokha le mali mboleko ...
Kepha kunethuba lokuthi ngaphandle kwemibhalo efanele, akekho noyedwa ozokwazi ukuqinisekisa ukuthi ubophezelekile ukukhokha imali ebolekiwe, ngoba inkontileka izokwakhiwa ngomlomo futhi isekelwe ekwethembaneni. Kepha ungenza isivumelwano esibhaliwe ukuthi umuntu wesithathu uzibophezela ukukhokha imalimboleko njalo ngenyanga, eyiqinisekisile ngummeli olungisa izivumelwano.
Inketho yesithathu. Ukubhaliswa kabusha kwemalimboleko kumuntu wesithathu ngokusebenzisa ummeli olungisa izivumelwano.
Yimiphi imibhalo edingekayo yalokhu:
- Iphasiphothi;
- Isitifiketi sefomu lasebhange noma isitifiketi se-2-NDFL;
- Incwadi yezabasebenzi noma ikhophi yayo;
- Noma yimuphi omunye umbhalo ofakazela ubunikazi besakhamuzi;
- Ubufakazi bokuthi umthengi (umboleki) ungumnikazi wendawo noma yemoto.
Kepha kusamele uthinte isikhulu semalimboleko, ngoba uzokwazi ukunikeza uhlu olunembile kakhulu lwamadokhumenti futhi akweluleke ukuthi yini engcono kakhulu ongayenza esimweni sakho.
Konke lokho okwethu. Ithimba le-Ideas for Life linethemba lokuthi lizokwazi ukuphendula umbuzo wakho. Kuze kube ngokuzayo emakhasini kamagazini wethu oku-inthanethi!