Enye yeengxaki ezinkulu kubasebenzisi kukuba zidityanisiwe Uluhlu lwabangeneleli. Zininzi zezi zinto, kodwa ezinye zezona zaziwa kakhulu yi-ASNEF, RAI, njl. Ukuba igama lakho liyavela nakwezinye kwezi zintlu, ngokuqinisekileyo uya kuba nengxaki engaphezulu kwesinye. Ingakumbi kubudlelwane bakho namaziko emali. Ukuya kuthi ga kwinqanaba lokuba unokwala ukunikwa kwayo nayiphi na indlela yezemali. Okokuba ungomnye wabantu ababandakanyiwe kolu luhlu luncinci olunqwenelekayo kubathengi
Zininzi izizathu ezibangela ukuba ube kuluhlu lwe-ASNEF, RAI, njl. Kodwa eyona nto ibaluleke kakhulu kukuba kwi- isikhundla somntu onetyala ngayo nayiphi na ibhanki. Oko kukuthi, unetyala lemali kwimali mboleko, kodwa ikwaveliswe yenye imisebenzi yebhanki. Umzekelo, ungahlawulanga ii-ovadrafti kwiakhawunti yakho yokutshekisha. Esi sesinye sezizathu eziphambili zokuba kutheni kufuneka ulumke kakhulu ukuba uxolile kwibhanki yakho yesiqhelo. Kuba inokukwenzakalisa kungekudala.
Nangona kunjalo, icandelo elilungileyo labasebenzisi liwela kwimpazamo enzulu yokuba zizikhundla ezinamatyala kuphela kwiibhanki ezinesizathu sokuba kuluhlu lwabatyholwa. Kungenxa yokuba ayifani kwaphela, kodwa ngokuchaseneyo unokufakwa ngenxa yokungahlawuli kwezinye iinkampani. Phakathi kwayo abaqhubi beefowuni ezizinzileyo okanye eziphathwayo, Iinkampani zeinshurensi kwanabaxhasi be iinkonzo zasekhaya (amanzi, umbane, igesi, njl. Njengoko uza kujonga ukuqokelela amatyala kuyo nayiphi na inkonzo ayizukufumana nzuzo. Ukongeza, iya kuvala uninzi lweebhanki osebenza kuzo rhoqo.
Ngaba ndikuluhlu lwe-ASNEF?
Ngoku kuza eyona nto inomdla kwaye kukwazi ukuba igama lakho liyavela kuluhlu lwabasilelayo ekugqibeleni. Akunzima kakhulu ukuyifumana, kodwa ngokuchaseneyo kuya kufuneka unikele ixesha elincinci kulo msebenzi. Kodwa ekugqibeleni uya kuba nesiqinisekiso esipheleleyo sokuba awukho kwi-ASNER, RAI okanye olunye uluhlu lwezi mpawu. Ewe kuya kuqala kuya kufuneka uyazi ngobunzulu le mibutho ibangela uloyiko olungaka phakathi kwenxalenye elungileyo yabasebenzisi. Ngale ndlela, ucacile izakuba njani imeko yakho ukuba ubandakanyiwe kuluhlu lwezi zinto.
Ngokubhekisele kwi-ASNEF, ngumbutho, ogama lawo lithetha uMbutho weSizwe weZiseko zeMali, ezibandakanya iinkampani zazo zonke iintlobo (iibhanki, unxibelelwano ngomnxeba, iinkampani zeinshurensi ...) kunye nolawulo lukarhulumente. Ingxaki kukuba uninzi lwabo bantu babhalisiwe kule fayile Abazi nokuba ikho kwaye ayisiyintoni le nto. Kodwa ayisiyiyo kuphela into elandela ezi zinto, kodwa ngokuchaseneyo kukho ezinye ezininzi ezingaziwayo njengale.
Imibuzo kwiifayile
Ukuqinisekisa ukuba ubhalisile ngokwenene kwi uluhlu Abangabhatali i-ASNEF, kuya kufuneka ufake iwebhusayithi yabo, ngokubonisana ngefowuni kwaye ubuze ukuba ingaba udityanisiwe na kwifayile yabo. Iya kuba sesona sicwangciso se-agile kwaye sikhawuleze ukuphanda imeko yakho yezemali. Ke ngale ndlela, unokuqiniseka ukuba igama lakho likho okanye alikho kuluhlu lwabanamatyala. Ngayiphi na imeko, iibhanki zinakho ukufikelela kuzo kwaye ziqhagamshelane nabo ukuze babone ukuba bangasivuma na isicelo sabathengi babo. Kodwa banokuthi bakunike ulwazi malunga neziphumo zophando lwentengiso.
Enye inkqubo onokuyisebenzisa ukuqinisekisa ukuba igama lakho alibandakanywanga kulo naluphi na uluhlu lwabangathobeliyo okanye ukuba unamatyala ongekahlawulwa ziinkampani ukufikelela kwifayile. Okokuqala, kuya kuba yimfuneko ukuba uthumele uxwebhu lokubonisana nomthetho kwinkampani ejongene nefayile yabanamatyala e-ASNEF. Ngenxa yesi senzo, uya kuba nokufikelela okuvulekileyo kwifayile yalo mbutho. Ngale ndlela, ungakhangela ukuba ungomnye waba bantu bakwimeko yokutyala inkampani okanye umzimba. Ngaphezu koko, ngamaxesha onke.
Ungayilungisa njani le meko?
Kwelinye icala, enye yeenjongo zamalungu e-ASNEF-uluhlu lwezitayile kukuphuma kuzo. Kule nto unamaqhinga aliqela ukuze unyamalale kuluhlu ngokukhawuleza. Ngaba uyafuna ukwazi ukuba zeziphi ezi ndlela kwaye ungazilawula njani? Ewe, naka ingqalelo encinci kuba banokukunceda uphume ngaphezulu kwengxaki enye ngexesha elithile ebomini bakho.
Inqanaba lokuqala lenkqubo liya kubandakanya ukuhlawula ityala ngokukhawuleza ukuze ube kwimeko yokucela idatha yakho ziyacinywa kwirejista. Ukuze ngale ndlela, ungasabonakali kwiqela labathengi abanobuqhetseba. Enye into osele uyenzile ikukubonisa ukuba le nkqubo ayiphuhliswanga ngokwemigaqo yangoku. Oku kusebenza ngokusekwe kwinto yokuba olu didi lweenkampani lunyanzelekile ukuba lukwazise ngokubhala kwangaphambili. Ngokukodwa, ixesha lokuphela kwesi saziso ziintsuku ezingama-30.
Ukulahlwa kweekhredithi
Enye yezona zinto zoyikekayo zokuba kuluhlu lwe-ASNEF kukuba uya kuba nakho ukufikelela kulo naluphi na uhlobo lwenkxaso mali kumaziko etyala angavumelekanga. Nangona kunjalo, awulahlekelwanga yiyo yonke into. Hayi kangako. Kuba ezinye amaqonga ezemali kwi-intanethi Banikezela ngemboleko mali kuMaziko aMatyala eMali ukuze abantu ababandakanyiwe kwezi fayile zabatyali bakwazi ukufikelela kwiinjongo zabo. Nangona kunjalo, le yimigca ekhethekileyo yekhredithi. Echazwe kwinto yokuba banikwa ngexabiso eliphantsi, ngokubanzi baphantsi kwe-3.000 euro. Kwaye iimeko zokuhlukumeza kakhulu kwezi zinto zezemali. Ngokukodwa, kuba bavelisa inzala ephezulu kakhulu, kuninzi lwezibonelelo ezingaphezulu kwe-20%.
Ngayiphi na imeko, sisisombululo esifanelekileyo se zixhobise ngobutyebi kwiimeko zokungxamiseka okukhulu. Njengokuthi, umzekelo, uhlawule amatyala nabantu besithathu, uhlawule irhafu okanye iimfuno ezizodwa zemali. Ngokuchasene noko, enye yeenzuzo zolu hlobo lukhethekileyo lwekhredithi kukuba zinokumiselwa ngokusesikweni kwisithuba esifutshane kakhulu sexesha. Kungenxa yokuba kwimizuzu embalwa uya kuba nayo kwiakhawunti yakho yokutshekisha kunye nokwenza ngokusesikweni ngakumbi. Oko kukuthi, awuyi kufuna ukuthethelela indawo ekuya kuyo izixa. Ngaphandle kwento yokuba unikezela uthotho lwamaxwebhu: umvuzo, isitetimenti sengeniso okanye umvuzo kwiminyaka yakutshanje. Ukuza kuthi ga ngoku ukuba isicelo senziwe kwimeko ezininzi kwifom.
Izigqibo kule meko
Ewe, le meko ayisiyonto ingaqhelekanga kuwe. Inokwenzeka kuwe njengoko isenzeka kumawakawaka amawaka wabasebenzisi abagqibe ngemeko yokungaziphathi kakuhle. Kuyimfuneko ukuba ujonge ukuba yeyiphi imeko eyiyo yomntu. Kuba ukuba kunjalo, awuzukukhetha kodwa khawuleza ulungise esi sehlo. Nangona kuyingxaki enkulu ukuziqhelanisa nosapho okanye uhlahlo-lwabiwo mali lwakho. Ayilolize, phakathi kunye nangexesha elide iya kuba sisigqibo esiya kukubuyekeza ngaphezulu. Ukufikelela kwinqanaba lokufumana ityala elingabalulekanga. Kodwa ngaphandle kwamathandabuzo ukuba iya kukwenzakalisa kubudlelwane bakho namaziko emboleko.
Unokucinga ukuba eli tyala uligcinayo wedwa liyaziwa nguwe kunye nelinye iqela. Kuyimpazamo enkulu ukuba ungabhatala kakhulu kakhulu ukusukela ngoku ukuya phambili. Kwaye ukuba kungenxa yesenzo sokuhlukumeza kumaziko achaphazelekayo, eyona meko ilungileyo iya kuba kukucacisa ukuba kutheni ufikelele kwezi zikhundla zamatyala. Ngokuqinisekileyo uya kufikelela isivumelwano esonelisayo nelinye iqela ukuze zingaze zibandakanywe kuluhlu lwezi mpawu zikhethekileyo. Uya kubona ukuba isisombululo esisekwe kwimvumelwano yamacala omabini sibhetele kangakanani.
Kwelinye icala, awungekhe ulibale ukuba isivumelwano esibi sihlala singcono kunokufikelela kule meko inzima. Ngaphaya kweemali ezifunwa lelinye iqela. Ngale ndlela, sisenzo esenzeka ngamaxesha athile kubasebenzisi beefowuni ezisisigxina kunye neziphathekayo, kunye neenkonzo eziphambili zekhaya (ikakhulu igesi nombane). Esi sesinye sezizathu eziphambili zokuba kutheni ungahlali kule meko. Kuba ekupheleni kosuku, amaziko emali baya kugqibela ngokufumana yonke into. Nokuba kubuhlungu oku ngenxa yenzala yakho.
Ukusuka kule meko ngokubanzi, ungathandabuzi ukuba sisenzo esixhaphakileyo kwaye ngaphambi kokukubandakanya kwi-ASNEF (okanye ezinye izintlu zabangathobeliyo) inkampani osityala imali izama ukufumanisa ukuba kwenzeke ntoni kwaye izama ukuqokelela oko imali osityala imali kwizikhundla zakho zobalo. Kungenxa yokuba, kwaye okokugqibela, awunakucacisa ukuba inkampani echaphazelekayo izama ngazo zonke iindlela ukukhathala ngendlela yobuhlobo. Isenokuba sisisombululo esifanelekileyo kuni nobabini. Ubuncinci kuya kufuneka uphinde uqwalasele okona kukulungeleyo.