Ukuxhaswa kabusha nokwakhiwa kabusha: ahluke kanjani futhi ezimweni zini ahlelwa ngokusemthethweni?
Hhayi ukudideka ukuhlela kabushakusuka ukubolekwa kwemali kabusha... Lezi yizinto ezimbili ezehlukene ezihlobene nokuhlinzekwa kwesikweletu ngumboleki. Ngaphandle kokufana okuthile, akukho ukufana okungathathwa phakathi kwabo. Insizakalo ngayinye yezezimali inezinhloso nezinhloso zayo. Izikhathi ezihambisana nomehluko phakathi kwalezi zinqubo kufanele zicatshangelwe ngokuningiliziwe.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
1. Uyini umehluko phakathi kokuxhaswa kabusha kwemali nokwakhiwa kabusha
Lapho kuhlelwa kabusha, umbolekisi uguqula imigomo yesivumelwano. Ukuze uthole le nsizakalo, udinga ukuxhumana nebhange noma i-MFI lapho kukhishwe imali mboleko. Sibhale ngokuhleleka kabusha kwesikweletu kule ndatshana.
Inqubo yokuxhaswa kabusha kwemali inikezwa elinye ibhizinisi. Lesi yisibambiso esilula esihlanganisa imalimboleko eminingana. Inhloso ukubuyisa imali ebolekiwe ekhona, kepha ngemibandela evuna iklayenti. Ngeminye imininingwane mayelana nokukhokhela kabusha imali mboleko, bheka i-athikili kusixhumanisi.
Zombili izinqubo zithola ukuhlobana kwazo kuzilungiselelo ezahlukahlukene. Ukuxhaswa kabusha kungabukwa njengethuluzi elengeziwe lokukhokhelwa kwemali mboleko enenzuzo enkulu. Ingqikithi yokukhokha ngokweqile ingancipha noma umthwalo wesikweletu wehle ngokunciphisa usayizi wenkokhelo yanyanga zonke.
2. Kusetshenziswa kabusha imali
Lapho amabhange ethula leli thuluzi emakethe yezikweletu, inhloso yokuqala kwakuwukuheha ababoleki abathembeke kakhudlwana, kubanikeze izimo ezikahle kakhulu zokwenza izibopho zesikweletu. Iziphakamiso ezinjalo zithathe ukuthi kungenzeka ukuthi kuncishiswe izinga lenzalo. Ngasikhathi sinye, kunjalo, ukukhokhiswa kwemali mboleko okuphelele nakho kwehlile.
Ngaphezu kwalokho, isikhathi sesivumelwano semalimboleko sandiswa. Isivumelwano esisha semalimboleko senziwa ngo- Iminyaka engu-5-7... Ngenxa yalokho, okweletayo wathola izinzuzo ezi-2 (ezimbili) ngasikhathi sinye.
Yakovleva Galina
Uchwepheshe wezezimali.
Lapho isicelo sokuxhaswa kabusha sibhekwa, umbolekisi ubheka izindleko ikhasimende elizodinga ukuzikhokhela isikweletu salo. Ngokwenza njalo, bafaniswa neholo lakhe.
Uma izindleko zeqa U-50% wemali engenayo, lapho-ke ukuthola imali mboleko kuyinkinga impela. Uma isikhathi semalimboleko sanda, khona-ke, ubukhulu benkokhelo yanyanga zonke buyancipha.
Kepha lokhu kungenzeka kuphela uma umholo wombolekiwe wehle kancane. Uma obolekayo elahlekelwe yimali engenayo yonke noma iningi, ukubuyiselwa kwemali ngeke kuxazulule inkinga.
Uma umboleki enobugebengu, alikho ibhange elizonikeza insizakalo yokuxhasa kabusha imali. Imalimboleko enamazinga aphezulu okungenzeka ingakhishwa yi-MFI kuphela. Kepha lezi zinhlangano nazo zinemikhawulo. Ukubambezeleka akufanele kudlule izinsuku ezingama-30.
3. Kusetshenziswa nini ukuhlela kabusha
Ithuluzi elinjalo lisebenza ngezindlela eziningi. Isevisi ingasetshenziswa ngalezi zinhlobo ezilandelayo:
- Amaholide esikweletu. Obolekayo unikezwa ilungelo lokulahlekelwa inkokhelo eyodwa noma ngaphezulu yanyanga zonke.
- Izinga lenzalo liyancipha.
- Usayizi wenkokhelo yanyanga zonke wehlisiwe ngokwandisa isikhathi sokufaka imali.
- Uhlobo lwezinkokhelo luyashintsha. Impesheni ithathelwa indawo yizinkokhelo ezihlukanisiwe.
- Inkokhelo ebophezelekile idluliselwa kolunye usuku.
Ngokusebenzisa ukuhlela kabusha, empeleni, ungashintsha noma yisiphi isibopho sesikweletu. Uma umboleki elahlekelwe ngokuphelele ngumholo wakhe ngenxa yokuxoshwa, angacela umbolekisi iholide. Ngalesi sikhathi, angathola omunye umsebenzi. Kulokhu, obolekayo ngeke akuthole ukubambezeleka.
Isikweletu singancishiswa noma kungabikho ushintsho kumbolekisi. Isibonelo, ngalesi sikhathi ebhange elithile, amanani enzalo emalimboleko anciphile. Umbolekisi naye angabanciphisa kumboleki okhona. Kepha lokhu kuvame kakhulu ekubanjisweni kwempahla, ngoba inesikhathi eside semalimboleko. Ngalesi sikhathi, okuningi kungashintsha.
4. Kusetshenzwa kanjani ukuthi kubuyiselwa imali futhi kwenziwe kabusha
Ukubhaliswa kwezinsizakalo ezinjalo kunesakhiwo esifanayo nemalimboleko ejwayelekile. Kuyadingeka futhi ukuthi ufake isicelo, ulungiselele imibhalo efanele, uthumele isicelo bese ulinda ukuthi sicutshungulwe.
Isikweletu, uma sivunyiwe, sizohlelwa kabusha ngombolekisi ofanayo. Insizakalo yokuxhaswa kabusha kwemali izonikezwa yisikhungo sezezimali esivela eceleni.
Ngendlela, ungabona futhi ukuthi ukulungiswa kabusha kwemali mboleko kukuvidiyo engezansi: