Ungakuqeda Kanjani Ukubolekwa Kwemali ngokusemthethweni - Ukubuka konke kwezindlela ezi-4 eziqinisekisiwe
Sawubona! Ngicela ungitshele ukuthi ngingaqeda kanjani imali ebanjiswayo Mina nomyeni wami sathatha imalimboleko yendlu yokuhlala efulethini ngesikhathi lapho sasihola imali ephezulu. Njengamanje ngilahlekelwe umsebenzi, nomholo womyeni wami wehlile. Futhi, izindleko zethu zikhuphukile maqondana nokuqedwa komndeni. Ngakho-ke, kwaba nzima kakhulu ukukhokha isikweletu sendlu.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
UMaria, Sevastopol.
Imali ebanjiswayo (noma imali ebanjiswayo) uhlobo lwemalimboleko yesikhathi eside, lapho imali inikezwa khona ngokubhaliswa kwezakhiwo noma umhlaba njengesibambiso.
Izikhathi zokubolekwa ezinde nemali enkulu yakha umthwalo omkhulu wezezimali iminyaka eminingana noma ngisho namashumi eminyaka. Ngokuhamba kwesikhathi eside kangako, isimo sempilo salowo obolekayo singashintsha ngokuphelele.
Okubaluleke kakhulu, imicimbi ehlukahlukene yokuphila ingathinta kabi izinga lokukwazi kwakhe ukukhokha. Esimweni esinjalo, ukwenza izinkokhelo zempahla ebanjiswayo kuba nzima.
Kunezimo eziningana lapho obolekayo ethatha isinqumo sokuqeda imali ebanjisiwe:
- Uhlangothi olulodwa, abakweletayo baphupha ngokubuyisela imali mboleko ngokushesha futhi basuse impahla esibambisweni.
- Ngokwesinye isandla, inani elikhulu lababoleki lizithola lisesimweni lapho kuba nzima kakhulu kubo ukuthi banikeze imali mboleko ngokwemibandela ekhona.
Akunandaba noma yiziphi izizathu ezishukumisayo, obolekayo kufanele azi ukuthi iyiphi indlela engcono yokuqeda imalimboleko yempahla ebanjiswayo.
Ziyini izinhloso nezinhloso zabakweletayo-ababolekayo, ukuqeda imali ebanjisiwe
Izinhloso nezinhloso eziyinhloko zokususa isikweletu semali mboleko
Akuwona wonke umuntu oqondayo, kepha ukususa umthwalo wemali mboleko kuvame ukuba lula kakhulu kunokususa imalimboleko yabathengi. Kodwa-ke, konke kunqunywa ngokuyinhloko izinhloso nezinhloso umboleki afuna ukuzifeza.
Imvamisa, ababolekisi bemali mboleko bazichazela lezi zinhloso ezilandelayo:
- Ukugcina isibambiso endaweni, kepha ngasikhathi sinye ukufeza izichibiyelo kumigomo yesivumelwano sokubambisa ngempahla. Lokhu kuzosiza ekwehliseni umthwalo wemalimboleko futhi kusekele imalimboleko ngendlela evumayo.
- Gcina ubunikazi bempahla noma umhlaba bese wehlisa umthwalo wesikweletu uwedwa. Lokhu kungafinyelelwa ngokuxhasa kabusha imali yakho ebanjisiwe.
- Khokha imali yakho oyibambise ngokushesha okukhulu. Kulokhu, obolekayo akanandaba nokuthi isibambiso sihlala kubunikazi bakhe yini.
Emgogodleni wayo, imali mboleko iyindlela ebolekisayo yokubolekisa. Imalimboleko enjalo ifaka izinhlobo ezimbili zobudlelwano bezomthetho: mayelana nesibambiso futhi ngqo mayelana nemalimboleko. Lezi zingxenye ezimbili zixhumene, ngakho-ke, izinhloso umboleki azibekayo maqondana nazo lapho ethatha isinqumo sokuqeda imali ebanjisiwe nayo incike komunye nomunye.
Ezimweni eziningi, kufanele ukhethe londoloza noma cha ubunikazi bento ethenjisiwe. Kuya ngesinqumo esithathiwe ukuthi yiziphi izinyathelo okufanele zithathwe kulesi simo esikhona.
Indlela elula yokukhipha imali ebanjiswayo uma ngabe obolekayo ezimisele ukulahlekelwa yisibambiso. Ngaphezu kwalokho, yisakhiwo esizokwazi ukuqinisekisa ukugcwaliseka kwezibopho.
Uma kubalulekile ukugcina ubunikazi bempahla noma umhlaba, isimo siba nzima kakhulu. Kuzodingeka ngokuzimela uthole umthombo wokukhokha imali ebanjisiwe, uyiphinde uyenze kabusha, noma uzame ukuxoxisana nebhange.
Ngaphambi kokuqhubeka nokukhetha kwendlela yokukhululwa kwizibopho zesikweletu, kufanele unake ethubeni lokuxazulula le nkinga ngosizo umshuwalense... Iningi lababoleki lithatha inqubomgomo yomshuwalense wokuphila nempilo. Ngaphezu kwalokho, abanye babo bathatha umshwalense wezikweletu zomphakathi, kufaka phakathi mayelana nezimo zokuphelelwa umsebenzi.
Izinkokhelo zomshuwalense zingasiza obolekayo ukuthi akhokhe ngokugcwele noma okungenani ingxenye ayibolekile. Uma ngabe le nqubomgomo ayikhishwanga, noma isimo sikakweletwayo kungewona umcimbi womshwalense, kuzofanele ufune enye indlela yokuxazulula inkinga.
Izindlela zomthetho zokususa imali ebanjiswayo
Ungayisusa kanjani imalimboleko yempahla ebanjiswayo - izindlela ezi-4 eziqinisekisiwe 📌
Indlela yokukhishwa kusuka kwimalimboleko yempahla ebanjiswa ngokuyinhloko inqunywa yisimo sengqondo salowo obolekayo kwisibambiso. Ngakho-ke, izinketho ezingenzeka ziyahlukaniswa vula amaqembu ngokunembile ngokuya ngalokhu.
1) Kunesidingo sokugcina impahla
Uma ufuna ukugcina ubunikazi bento ethenjisiwe, ungaxazulula inkinga usebenzisa izindlela ezilandelayo.
Indlela 1. Ukulungiswa kabusha kwempahla
Uma kwenziwa isinqumo sokuhlela kabusha, kufanele ufake isicelo esikhungweni sekhredithi ngesicelo.
Isitatimende sokuhlelwa kabusha kwesikweletu sikhombisa:
- izizathu zokuvimbela ukukhokhwa kwemali mboleko yempahla ngemibandela ekhona;
- ubufakazi obubhaliwe bezimo;
- kuvezwa isifiso sokwenza ukwakhiwa kabusha kube semthethweni.
Lapho isicelo sibhekwa ngumbolekisi, uzothatha isinqumo futhi anikeze izinketho zendlela yokuphuma kulesi simo:
- kungakapheli isikhathi esithile, obolekayo ukhokha inzalo kuphela, isikweletu esikhulu simisiwe;
- ukukhulisa isikhathi semali mboleko nokunciphisa usayizi wenkokhelo yanyanga zonke;
- ukuncipha kwamazinga wenzalo.
Izinketho ezinikezwe aziphelele. Ababolekisi bathuthukisa imigomo yokuhlelwa kabusha ehambelana nesimo samanje futhi bacabangele isikhundla salowo obolekayo manje nasesikhathini esizayo maqondana nenhlalakahle yakhe yezezimali.
Imininingwane yokuhlelwa kabusha kwemalimboleko iyatholakala encwadini yethu ekhethekile.
Indlela 2. Ukuxhaswa kabusha
Ukwenza kabusha imali kufanelekile kulabo ababoleki abathatha imali yokubolekwa eminyakeni eminingana edlule, lapho izinga laliphezulu kakhulu. Iningi lamabhange amakhulu namuhla linikela ngezinhlelo ezifanayo. Baphinde baxoxisana nemibandela yemali mboleko ngokunciphisa izinga.
Kodwa-ke, ngesisombululo esinjalo odabeni, ukuba khona nobukhulu bezikweletu esezikhokhelwe kubaluleke kakhulu. Okokuqala, ukuze ufake isicelo sokuxhaswa kabusha kwemali, kufanele uxhumane nombolekisi okutholwe ngaye imali ebanjisiwe. Uma enqaba, ungaya kwesinye isikhungo sezikweletu.
Funda ngokuthi kwenzeka kanjani ukukhokhelwa kwemali mboleko kwesinye sezindatshana zethu.
2) Akuhlelwanga ukonga isibambiso
Uma kungabalulekile ukuthi umboleki agcine impahla, ungasebenzisa ezinye izindlela ukuqeda isikweletu:
Indlela 3. Ukuthengiswa kwempahla noma umhlaba
Ngaphambi kokuthengisa isibambiso, kufanele uthole imvume yasebhange... Ngezindleko zezimali ezitholwe kusuka ekuthengisweni, imali mboleko izobuyiselwa.
Lapho uthatha isinqumo sokuthengisa izindlu nomhlaba, kuzofanela uthole imvume yasebhange. Kunezinketho ezimbili: obolekayo uthengisa impahla ngokwakhe, noma umbolekisi uhlela ukuthengisa ngemvume yekhasimende. Kunoma ikuphi, ibhange liyadingeka ukulawula okwenziwayo.
Sibhale ukuthi ungathengisa kanjani ngokushesha indlu esihlokweni esedlule.
Indlela 4. Ukudluliselwa kwesikweletu sempahla komunye obolekayo
Esimweni esinjalo, okokuqala, kuzofanele uthole imvume yasebhangengubani okhiphe isibambiso. Obolekayo uhlola iklayenti elisha ngendlela efanayo nalowo okweletwayo wokuqala.
Imvamisa, obolekayo oyinhloko akasuswa ebudlelwaneni bempahla ebanjiswayo. Ngokuya ngemigomo yesivumelwano esichitshiyelwe, leli klayenti lithwala i-solidary noma isikweletu esiphethwe ngemalimboleko.
Ngokuqondene nento ebanjwayo, udaba luxazululwa ngokuya ngesivumelwano phakathi komboleki nebhange. Ezimweni eziningi, uhlelo lokuthengiselana olunjalo luyakhiwa ngamunye... Ngemuva kwalokho, yonke imibandela iyavunyelwana phakathi kwazo zonke izinhlaka entengiselweni. Kodwa-ke, eyinhloko isazoba umbono webhange lokweletwayo.
Imvamisa, ubudlelwano bezezakhiwo buxazululwa ngenye yezindlela ezilandelayo:
- isibambiso sigcinwa ngumboleki oyinhloko;
- Impahla, lapho ithola imvume yombolekisi, idluliselwa kumuntu okweletwayo omusha, ihlala ithembisiwe. Kulokhu, umboleki oyinhloko uyadedelwa kunoma yiziphi izibopho eziya kumbolekisi.
Qaphela! Ababoleki bavame ukuzama ukuzikhulula ekubambeni kwemali ngokuqashisa impahla yabo. Izinkokhelo ezitholwe kubaqashi kuleli cala zihamba njengezinkokhelo zemalimboleko.
Kodwa-ke, ukuze wakhe isivumelwano sokuqashisa, kufanele uthole imvume yasebhange. Kepha imvamisa abakweletwayo abayinaki le mfuneko, baxoxisana nomqashi kuphela ngomlomo. Noma bangena esivumelwaneni sokuqasha, benethemba lokuthi ibhange ngeke lisikhansele. Kunoma ikuphi, ukuqasha indlu ebolekisayo akuyona indlela engcono kakhulu.
Njengesiphetho, sethula ukunakwa kwakho itafula elifushane, equkethe izindlela ezingahle zikhishwe ekubanjisweni kwempahla.
| № | Indlela | Incazelo emfushane |
| Izimo lapho kunesidingo sokonga impahla | ||
| 1 | Ukuhlelwa kabusha | Obolekayo ufaka isicelo esichaza ubunzima obuvelile Njengomphumela, isikhathi singakhushulwa, izinga lincishiswe, isikweletu simiswe isikhathi esithile (kukhokhwa inzalo kuphela) |
| 2 | Ukuxhaswa kabusha | Okugcinwe kwelakho noma kwelinye ibhange Kusho ukukhishwa kwemalimboleko entsha ukukhokhela endala ngemibandela evumayo |
| Akuhlelwanga ukonga impahla | ||
| 3 | Ukuthengiswa kwempahla | Kudingeka imvume yeBhange Impahla ebanjwayo iyacishwa ngenxa yemali etholwe ngokuthengisa |
| 4 | Ukudluliselwa kwesikweletu komunye obolekayo | Imvume yeBhange iyadingeka Isibambiso kungenzeka sigcinwe ngumboleki oyinhloko, noma sidluliselwe kwesisha |
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