Kukho amaxesha apho unamatyala amaninzi kangangokuba ukuziphilisa kunzima. Kuya kufuneka ube nentloko elungileyo kakhulu ukukhumbula ukuhlawula konke. Kodwa, uza kuthini xa sikuxelela ukuba ngokudibanisa ityala ungafumana izibonelelo ezinkulu?
Ukuba awazi ukuba yintoni yintoni ukudityaniswa kwamatyala, izibonelelo ezibandakanya oko, okanye amanyathelo ekufuneka uwathathile ukuzizisa kunye, nantsi siza kukunika yonke loo datha.
Yintoni ukudityaniswa kwamatyala
Ukuba uvile ngokudityaniswa kwamatyala, unokuyazi into esithetha ngayo. Igama ngokwalo sele libonisa isuntswana lomqondo walo. Sithetha ngayo qokelela zonke iindleko (iimali mboleko, iikhredithi, njl. kwinto enye kuphela, okwenza isavenge singaphantsi kodwa ixesha lokuhlawula ityala liyonyuka. Ngale ndlela, kufezekiswa ukuba usapho lukhululeke ngakumbi ekuhlawuleni inyanga nenyanga kuba umrhumo uya kuba sezantsi.
Ingxaki ekuphela kwayo kule meko kukuba, ngokwenza isavenge sincinci, ixesha elithathwayo ukubuyisa loo mali-mboleko okanye ukwanda kwetyala. Ngamanye amagama, uza kuba netyala ixesha elide, kwaye oko kunesiphumo esinye esinye: inzala kunye / okanye iikhomishini. Oko kuthetha ukuba kuyakufuneka uhlawule ngaphezulu nangaphezulu, kodwa ngamanye amaxesha eli nani lezemali kuphela kwendlela onokuphila ngayo ngcono.
Kwakhona, uninzi lokudityaniswa kwamatyala lusebenzisa ikhaya, okanye ipropathi enesivumelwano, njengesiqinisekiso. Ngale ndlela, ukuba awunanto, kunzima ngakumbi ukuyifumana.
Izibonelelo kunye nezinto ezingalunganga zokuhlanganisa amatyala kwakhona
Ngoku ukuba uyazi ukudityaniswa kwamatyala ngcono, unokuyifumana iqhubeka, kodwa njengoko kukho izibonelelo, kuya kufuneka ujonge nezinto ezingalunganga.
Izibonelelo zokudibana kwakhona kwetyala
- Uyakuyifumana loo nto umrhumo wenyanga uyehla, ngamanye amaxesha kakhulu.
Iintsilelo
- Ngokunciphisa umrhumo wenyanga, i Ukuhlawulwa ngokupheleleyo kwemali-mboleko kuya kwandiswa ngexesha, kuya kuthatha ixesha elide ukuyilahla.
- Kukho inzala ephezulu kunye neekomishini xa usonyusa imali-mboleko iminyaka engaphezulu.
- Unayo iindleko ezongezelelweyo ezongezelelweyo (ekufuneka icingelwe phantse ekuqaleni).
- Ungaphulukana nezinto ozibeke njengesibambiso.
Amanyathelo okudityaniswa kwamatyala
Ngoku yonke into icacile, masiqale ngamanyathelo okudityaniswa kwamatyala. Ukwenza oku, kuya kufuneka ulandele uthotho lwamanyathelo anokukunceda ungashiyi nantoni na endleleni, ngakumbi xa ujongene nenkcitho enokuthi ibandakanye le nkqubo (ewe, ineendleko ezithile).
Chonga amatyala akho
Linyathelo lokuqala ekufuneka ulithathile yazi ukuba zeziphi iimali-mboleko, iikhredithi kunye namatyala onawo ngoku. Ngamanye amagama, sithetha ngokwazi ukuba uhlawula ntoni kanye ngenyanga ngokwala matyala onawo, nokuba kukubambisa ngento obambise ngayo, ityala lemali mboleko, ukuhlawulwa kwemali mboleko ... Nditsho nemoto okanye amatyala kunye noLawulo.
Kuya kufuneka uyazi eyona mali uyihlawulayo kwezi zinto.
Kushiyeke malini
Nje ukuba ube neendleko, sicebisa ukuba yenza okufanayo nakwingeniso yakho, kwaye ubone ukuba inani eliphumayo lilungile okanye alilunganga. Ukuba ayilunganga, izinto zihamba gwenxa kuba uya kungena ematyaleni ngaphezulu kunokuba unjalo kwaye, ekuhambeni kwexesha, ayizukuzinza.
Kwaye kuxhomekeke kumanani aqinisekileyo, uya kuba nakho ukwazi ukuba unempilo efanelekileyo okanye akunjalo.
Isimulator yemali mboleko
Ngoku kuza indawo apho ungenakucinga ngesisombululo sokuqala kwaye usenze. Ngokufanelekileyo, Kuya kufuneka ubale ukhetho olunokuba luncedo kakhulu kuwe. Kwaye inyani kukuba ukudityaniswa kwamatyala kudala iindleko ezongezelelweyo (ezingasoloko zithathelwa ingqalelo) njengokucima iimali mboleko zangaphambili, ukuvula entsha, iikhomishini ... Kungenxa yoko le nto kubalulekile ukuba uyiqwalasele.
Kwaye yenziwa njani? Kunye nabafanisi bemali mboleko. Ngale ndlela, kwaye ubabona kwimicimbi eyahlukeneyo, unokwenza isigqibo esifanelekileyo.
Yiya ebhankini yakho
Kule meko, kuya kufuneka uchaze imeko ozifumana ukuyo, kwaye yonke into ingasombululwa njani (gcinani engqondweni ukuba ukuba uhamba nesisombululo esinokubakho, nokuba ayisiyiyo le bayifunayo, uyakube udlala indima yakho kuba awuyifuni intlawulo, kodwa uyenze ngenye indlela engakurhawuli).
Baza kukwenza isithembiso sokubala, Mhlawumbi baya kuphakamisa isisombululo ngeemfuno zabo kunye neemeko, ezinokuthi okanye zingasebenzi kuwe.
Ungathini ukuba ayikusebenzeli? Kuya kufuneka uzame kwezinye iibhanki. Kodwa kuhlala kungcono ukuqala ngalowo usaziyo kuba kuya kuba lula kubo ukusinceda (endaweni yokuphulukana nomthengi).
Kwiimeko ezininzi, into abaya kuyenza kukubonelela ngemboleko mali yobambiso, kuba ihlala ingumboniso osetyenziswa ziibhanki zonke ekuhlanganiseni amatyala. Ingxaki kukuba xa ungenalo ikhaya, okanye isiqinisekiso, izinto ziya kuba nzima. Akunakwenzeka, kodwa kuya kubiza kakhulu kunye nenkqubo enzima ukuyithobela.
Iindleko oza kuba nazo ekuhlanganisweni kwakhona kwamatyala
Ukudityaniswa kwamatyala kunokuba sisisombululo esinokubakho xa uneentlawulo ezininzi kakhulu kwaye ungakwazi ukuzisingatha zonke. Nangona kunjalo, ayihlawulelwa. Ngapha koko, izakuxabisa ispiki. Kwaye kukho iindleko ezintathu ezingenakwenzeka ukuba uziphephe:
- Iindleko zokurhoxiswa kwemali mboleko. Kungenxa yokuba ukuba unemali-mboleko okanye iikhredithi, kuya kufuneka uzikhansele, kwaye sele siyazi ukuba oko kuthetha ukuyihlawula ngaphambi kwexesha.
- IiKomishini. Kwimeko apho usebenzisa iarhente yolamlo. Kodwa ukuba awuyisebenzisi, iibhanki zinokukuhlawulisa iikhomishini.
- Iindleko ezivela kwimali mboleko okanye isifundo esinokubakho. Njengoko besitshilo, uninzi lokudityaniswa kwamatyala kuhlawuliswa irhafu kwikhaya okanye kwipropathi eyeyabanini, kwaye ke, konke oku kufuneka kuxabiswe kwaye kugqitywe kumaxwebhu (i-notary, iRhafu kwiMithetho yoMthetho ebhaliweyo, njl. Kuya kufuneka uhlawule.
- Inzala. Umdla, nokuba unekhaya phakathi okanye ngaphandle kwawo, uya kuba phezulu, ngakumbi kuba ixesha letyala lide.
Zonke ezi ndleko zaziwa njengeendleko zokudibanisa, kwaye banokumela phakathi kwe-3 kunye ne-5% yemali exabisa umsebenzi.