Ukubonelela ngemali

 

Yintoni ukubonelelwa kwemali?

Omnye Ukubonelelwa ngemali, sisicelo ekufuneka senziwe ngumboneleli ngenkonzo kwiklayenti yakhe yexesha elizayo, Ukuze lo mthengi ambhatalele ipesenti ethile yemali ukuze ahlawule iindleko eziveliswayo xa kusenziwa inkqubo yeenkonzo ebeziceliwe.

Las Izibonelelo zeNgxowa-mali ziphindaphindeka kakhulu kumacandelo ngamacandelo, njengakwimfundo yezomthetho, apho umsebenzi kufuneka usoloko uqalwa ngesicelo sangaphambili sokubonelelwa ngemali.

Umahluko phakathi kokubonelelwa kwemali kunye nokuhlawulwa kweakhawunti.

Ngokwesiqhelo ezi iikhonsepthi ezimbini, zihlala zididekileKungenxa yokuba kuzo zombini iindidi zeemeko into eyenziwayo iyafana, kukuhanjiswa kwepesenti yemali evela kumthengi lowo iinkonzo ziya kubonelelwa kuye kwaye kamva xa inkqubo okanye ulawulo lugqityiwe, iyakususa ukusuka kwintlawulo yokugqibela.

Kodwa nangona zifana, Ukubonelelwa kwemali kunye nokuhlawulwa kweakhawunti kwahluke ngokupheleleyo kuba iziphumo zayo zezemali nezomthetho azifani, ke kufuneka sicace gca, ngowuphi umzuzu oceliweyo okanye onikezela uqikelelo lwezezimali kwaye into efunekayo kukuba kwenziwe intlawulo yeakhawunti.

• Ubonelelo lwemali: Luhlobo lwentlawulo olwenziwe ngumthengi njengaphambi kokuba ibe yeyiphi intlawulo eyenzelwa iinkonzo ezizakwenziwa.
• Intlawulo yeBhili: Ngokungafaniyo neyangaphambili, le ntlawulo kufuneka yenziwe ngaphambi kokuqala; Yintlawulo encinci yenxalenye yemirhumo njengoko inyuselwa, ngendlela yokuba intlawulo iyonke, oko kukuthi, intlawulo yeakhawunti yenziwe, nje ukuba umsebenzi uqalise.

Yimalini efanelekileyo onokuyicela kwingqikelelo yengxowa-mali?

Isiko ebelisasazeka de libe yinto ngokubanzi, ngakumbi kwamanye amacandelo, ahlala esenzeka kwi ukuhlawulwa kwemali, kukuba kufuneka zingqinelane, kunye nemali eza kuhlawuliswa kwimirhumo iyonke eyabelwe ukwenza olo lawulo okanye umsebenzi, ngale ndlela, yakuba ifumanekile ipesenti eyabelwe ulungiselelo lweemali, ekupheleni umsebenzi, i-invoyisi ehambelana nepesenti esele ichaziweyo kufuneka ibonelelwe ukuze kungabikho zintlawulo zifunekayo.

Ngale ndlela, endaweni ye- Ekuqaleni ufumana intlawulo yenkonzo, ezakwenziwa phantsi kwexabiso esele livaliwe, elingenakuguqulwa, kuhlala kukho ukhetho lokuba ukuba kuye kwenziwa umzamo omkhulu kunye nokuzinikezela kwinto ebekucetyiwe, kuyakubakho ukhetho lokugcwalisa uqikelelo lweemali ukusukela ekuqaleni ngepesenti eyongezelelweyo eya kuthi yongezwe ekugqibeleni kwaye ke babenakho ukugqibezela intlawulo yeenkonzo.

Kwelinye icala, oku kunokwenzeka kubonisa isiqinisekiso esifanelekileyo esiya kuhlawuliswa njenge intlawulo emsebenzini wethuKuba sele unayo intlawulo yokuqala yenkonzo eza kwenziwa, ngaphambi kokuqala umsebenzi, eso sixa sele sifunyenwe, ke akukho bungozi bolwaphulo-mthetho lwalo naluphi na uhlobo.

Enye indlela enokwenziwa ngayo kwaye ihlala ilunge ngakumbi, kuhlalutyo olwahlukileyo, yile ulungiselelo lwemaliIhambelana ne-50% yohlahlo-lwabiwo mali olucetyiweyo, ngale ndlela ngalo mzuzu apho kuvela khona naluphi na uhlobo lokungavumelani nentlawulo emva koko, ukuhlawulwa kwesiqingatha sentlawulo ebicwangcisiwe sele kwenziwe kwaye nabo sele beyigqibile iindleko ezinokuthi sithathe inxaxheba ekugqityweni kwenkqubo okanye intlawulo.

Ngayiphi na imeko, njengoko ubona, ayingomthetho okhoyo obonisa okanye osixelelayo ukuba kufanele ukuba ube yintoni. isixa-mali esiza kucelwa kulungiselelo lwemali ukubanakho ukwenza umsebenzi, kodwa kuya kuxhomekeka kwimeko ethile. Kwaye ukuba, umzekelo, umalunga nabasebenzi rhoqo kwaye apho kungekho mathandabuzo khona ukuba umsebenzi kunye nentlawulo yawo kufuneka yenziwe ngaphandle kwengxaki, ke ngekhe kube yimfuneko ukucela intlawulo yepenshini.

Imali mboleko yobambiso.

Kwimeko apho ipImali mboleko yobambiso nokuba yeyibhanki okanye yezemaliNje ukuba imali mboleko igunyaziswe, awuzukufuna ukubuza uqikelelo mali, kuba le mali kwangaphambili ayizukuchukunyiswa. Le mfuno inyanzelekileyo ukuba yamkelwe ukuba ikunike imali mboleko yempahla, ichazwe ngenye indlela, ibhanki inika iodolo yokuba kufuneka uhambise isibonelelo semali ngale ndlela, okokuqala kufuneka kunikezwe isibonelelo semali kwaye ekugqibeleni ngaphambi ukuhanjiswa kwempahla ebambekayo, imali epheleleyo kufuneka ihlawulwe.

Kungenxa yokuba ukwenziwa kwebhanki enyeInto eyenzayo kukukhathalela ukuhlawula iinkqubo ezithile ekufuneka ziyimfuneko ukwenza ulwabiwo-mali ngokusemthethweni. Ngaphandle kokulibala ukwenza isifundo sokusebenza ekufanele kwenziwe nentlawulo.

Iqikelelwe ntoni le ngxowa-mali?

Phakathi kwemisebenzi ekufuneka ihlawulwe yile yobhaliso lwepropathi, ukongeza kwi-notary, iindleko zolawulo ezinje ngemisebenzi esemthethweni ebhaliweyo, kunye nerhafu yokulungisa ipropathi ukuba imeko yekhaya. ukwazi ukuba ipropathi ixabisa ntoni kunye neendleko zolawulo

Kwelinye icala, ukuba this Ukubonelelwa ngemali kufunwa ligqwetha, anokulifuna ukuze ahlawule iindleko kunye nezinto ezikhoyo uhambelana nomsebenzi owenzayo okanye njengonikezelo olwenziwa kwangaphambi kokuba iinkonzo zakho zobungcali ziya kuba njani, ke njengoko sele sitshilo, kuya kwenziwa uhlengahlengiso nje ukuba onke amaphepha agqityiwe.

Umzekelo wenkcitho leyo igqwetha kufuneka ligqume njengonikezelo lwemali, kukho le mizekelo ilandelayo:

• Amanqaku epropathi okanye irejista yorhwebo.
• Amaxwebhu abonwa eyimfuneko ukukhutshwa phantsi kwegama lomntu oqesha iinkonzo (umthengi).
• Iindleko zeemayile.
• Ukuhlala.
• Ukutya okufudukayo.
• Iindleko ze notary.

Konke oku kuyakufuneka, kuphela kwimeko apho igqwetha okanye abameli bezomthetho benesidingo sokuya kwesinye isiza ukusombulula umbandela awayeqeshelwe wona.

Zithini iindleko eziqikelelweyo zokubonelelwa kwemali?

Inkqubo ekufuneka yenziwe ukuze ubhalise ngokusemthethweni imali mboleko yempahla ayiyi kuxhomekeka kwimali emele ukuba isixa-mali siphelile, ke akukho mfuneko yokuba ubize imali eninzi ngokubhaliswa kwendlu ebiza kakhulu; Inkqubo iya kuba lixabiso kunye neepesenti ezifanayo nezo zendlu ebiza kakhulu. Into amaxabiso axhomekeke kuyo Imirhumo yolawulo ebekiweyo ngaphambili, umzekelo indlu enexabiso eliqikelelweyo nge-200.000 ye-euro, kuya kufuneka uhlawule ipesenti yokulungiswa kwempahla phakathi kwama-200 okanye ama-euro angama-240 ngokuxhomekeke kuhlobo lwe-arhente, ngokucacileyo esi sisikhokelo kuphela.

Este Uhlobo lweendleko lunokuba nokwahluka okuphezulu ngezizathu ezahlukeneyoUmzekelo, ukuba ipropathi ekufuneka ibhalisiwe ikude kwaye ivelise iindleko zokuhamba. Ngokwesiqhelo, into ekufuneka ihlawulwe kulungiselelo lweemali ijika ibe phezulu ukuba inkqubo yenziwa ngabaphathi bebhanki, kuba into abayenzayo kukongeza iprojekthi okanye iindleko zovavanyo.

Ngokwesiqhelo, imali emiselwe oko kuya kuba kukubonelelwa kwemali, Kufuneka ifakwe kuhlobo lweakhawunti enikwa ligqwetha okanye iarhente kwaye isibonise. Ukuba ukuhlawulwa kweli lungiselelo lemali akwenziwa, kuyakwenza ukuba iarhente okanye igqwetha liyichithe imeko yethu kwaye lingasebenzi naye. Kungenxa yokuba kwiimeko ezininzi ngumgaqo wokwenza ukuhlawulwa kokubonelelwa kwemali Kuyimfuneko ebaluleke kakhulu kuwe ukuba uvume ukusebenza netyala lethu kwaye uqale kwangoko ngeenkqubo eziyimfuneko zolawulo lwayo. Yiyo loo nto ukubaluleka kokwenza le ntlawulo ngokukhawuleza ukuze sikwazi ukubanga okanye ukulindela iziphumo ezikhawulezayo kulungiselelo lwethu.

Ukuqukumbela kwaye uchaze ngendlela eshwankatheleyo, ubonelelo lwemali, sinokuyichaza, njengesixa semali esifunwa ligqwetha kumthengi walo, ngenxa yemirhumo okanye iindleko Into oza kuyenza ngokubhekisele ekuqaliseni umsebenzi okanye ngexesha lokulungisa le nto, iya kuba yeyokuqala ukudibana kwezoqoqosho phakathi kwegqwetha kunye nomthengi, ngamanye amagama, lixesha lokuqala eliza kubuzwa ligqwetha. Ipesenti yemali ngenxa yokuba intlawulo yakhe iyakuba yintoni kwaye umthengi uya kuba nakho ukudibanisa isisombululo esikhawulezileyo senkonzo ngenkqubo yokwenza intlawulo.