Omunye wemikhiqizo eguqula imakethe yezimali ezimele yimalimboleko esheshayo. Kuyimodeli yakamuva kakhulu enochungechunge lwezimpawu ezichazwe kahle okufanele uzicabangele uma ezinyangeni ezimbalwa ezizayo ubhekene nesidingo sokuziqasha. Ukuze ukwazi ukuthatha isinqumo esifanele, sizokusiza ukuthi wazi kangcono le mikhiqizo ehloselwe ukuxhasa ngezimali abantu ngabanye.
Okokuqala, kufanele wazi ukuthi lolu hlobo lwesikweletu luthengiswa kakhulu yizinhlangano zezimali ezingezona ezasebhange. Babeka izipesheli zabo ekunikezeni umugqa wesikweletu amabhange angawufinyeleli ngalo mkhiqizo. Kepha lokho kube ukwenziwa kwayo ezingeni likazwelonke, ukuthi kunikezwa nangokukhethwa okubanzi kwamapulatifomu wesikweletu asheshayo online anqume ukujoyina amabutho ukukhuthaza lesi siphakamiso. Ngochungechunge lwamamodeli aya ngokuya ngokuncintisana, futhi kungani ungakusho, nakho kunolaka. Ngenkokhelo yokuhweba yokuba imvume esheshayo kakhulu.
Impendulo yamabhange endabuko ayikaze ize isikhathi eside futhi ukuzilwela seyethule uchungechunge lwemalimboleko ejwayelekile, kepha evumelaniswa naleli su elisha. Ziyabuswa ngaphansi kwemingcele efanayo kunalezo ngokwemibandela yazo. Kulokhu, amakhredithi asheshayo mancane, kepha kungathakazelisa kakhulu ukuthi yilokho abakulungiselele kona ukuze ukwazi ukukhokhela ezinye izindleko noma izidingo onazo kusukela manje kuqhubeke. Kunoma ikuphi, ngeke uphuthelwe iziphakamiso nangaphansi kwezindlela ezahlukahlukene maqondana nemvume yabo.
Yiziphi izikweletu ezisheshayo?
Lolu hlobo lwezezimali luhlukile ngoba likunikeza imali encane ngaphansi kwezimo zenkontileka ezikhetheke kakhulu nezichazwe kahle. Ngala makhredithi, abafakizicelo bangafinyelela kuze kufike kuma-euro angama-900 cishe. Ungabeka lawa mali kunoma yisiphi isidingo. Khokha izikweletu zasekhaya (ugesi, amanzi, igesi, ucingo, njll.), Izikweletu ozitholile kubantu besithathu noma ngisho nokuhambisana nezibopho zakho zentela. Akumangalisi ukuthi ngeke zidinge ukuthi uzisebenzisele injongo ethile, njengoba kwenzeka neminye imigqa yesikweletu. Kepha bakhonza noma yisiphi isidingo.
Uma lezi mboleko zihlukaniswa ngokuthile, kungenxa yokuthi zinikezwa ngobugovu obukhulu. Kungakapheli nemizuzu eyi-10 uzoba nemali kwi-akhawunti yakho yamanje ukuyisebenzisa ngendlela obona ifanele ngayo. Le nqubo ishesha kakhulu kangangokuba uzokwazi emaminithini ambalwa uma uhlangabezana nezimfuneko noma cha ukuze bakunikeze wena. Ngokwalo mbono, lesi yisixazululo onaso lapho ubhekene nesidingo esiphuthumayo semali. Ngaphandle kokuthi ulinde isikhathi eside baze ekugcineni bakunikeze.
Okunye okuhlukile ukuthi, ezimweni eziningi, ziku-inthanethi. Zenziwe ngokusemthethweni nge-inthanethi, ngaphandle kwesidingo sokwethula alukho uhlobo lwedokhumende njengamaholo noma ukugunyazwa. Ngaphansi kwale ndlela yezentengiselwano, baba ithuluzi elizuzisa kakhulu lokufunwa okucacile kwezimali. Futhi, ngokunethezeka ngokwengeziwe kusuka ekhaya noma kwenye indawo. Ngaphandle kokuvakashela noma yiliphi igatsha ukuxhasa inkontileka. Ngefomethi elula yokuthola lo mkhiqizo wezezimali.
Izidingo zemvume yayo
Imali mboleko esheshayo ibuye ibonakale ngezimo zabo ezikhethekile zenkontileka. Inqubo yohlelo lwakho lokusebenza iyaguquguquka futhi inezinqubo ezimbalwa zokuphatha. Kepha noma kunjalo akusho ukuthi kuzoba isheke elingenalutho, ngoba empeleni akunjalo. Kuyiqiniso ukuthi iningi leziphakamiso akudingekile ukuthi unikele ngeholo noma impesheni. Kepha bona bazofuna ukuthi ube nemali engaguquki ephendula ekunikezelweni kwesikweletu. Ngisho nezikhungo ezithile zezikweletu zingadinga ukugunyazwa komunye umuntu noma isiqinisekiso sempahla ebonakalayo, njengesiqinisekiso somsebenzi ozowusayina ngaleso sikhathi.
Uma ufuna ukwamukela ukunikezwa kwabo, bazokudinga kuphela gcwalisa uhlu lwemibuzo olulula. Ngeke kuthathe ngaphezu kwemizuzu eyishumi ukuyiphothula. Ngaphezu kwalokho, amakhasimende afuna ukuphinda lo msebenzi ngeke esadinga ukwenza le ngxenye yenqubo kusuka esicelweni sesibili. Ngalokho ubugagu buzoba obumangalisa ngokwedlulele. Ukunikezela ngochungechunge lwezixazululo ezihambisana nezidingo zabathengi.
Ngokwezinga elingaka sekufinyelele ubudlova ekuthengisweni kwayo ukuthi kwezinye izinhlobo amafomethi we- abantu abafakiwe kuhlu lwamahlongandlebe (RAI, ASNEF, njll.). Uma imalimboleko esheshayo ihlaziywa kusuka kuleli phuzu, inenye into enhle egcwalisa okunikezwayo. Kute okunye ngaphandle kweqiniso lokuthi uchungechunge lwabantu abanomkhawulo eminye imigqa yesikweletu egunyazwe amabhange bangafinyelela kula manani. Phakathi kwabo, abangaqashiwe, abasebenzi abahola kancane kanti kokunye ngisho abafundi abafuna ukukhokhela izifiso zabo zokuqala.
Izindleko ezihilelekile kulo msebenzi
Kusukela kuleli phuzu, lapho ukufinyeleleka kuthambe khona, kusazokwaziwa ukuthi izindleko zokugcina zizoba yini ukuthi lesi sidingo sizofaka ini. Inzuzo enkulu yale mikhiqizo yezezimali ukuthi yakhelwe ngokuvamile akhululiwe kunoma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni kwayo. Noma kokuvula, ukutadisha noma ukukhokhelwa kwangaphambi kwesikhathi, kungaba okuyingxenye noma okuphelele. Ngokungafani nolayini abajwayelekile bezikweletu abazifaka ezimweni zabo ezijwayelekile.
Amanani wenzalo: aphezulu
Izindleko zezikweletu eziveziwe azikhawulelwe ekunikezelweni kwamanje. Kepha ngokuphambene, ziyahlukahluka kuye ngefomethi ngayinye nezimo ezibekwe izinhlangano zezezimali ezizikhiphayo. Ngakho-ke, awekho amaphesenti ahleliwe ale mikhiqizo. Bahamba ngomucu omkhulu kakhulu ukuthi isuka ku-12% iye ku-25%. Lokhu kungumugqa wezezimali obanzi kakhulu kunalokho okwenziwe ngemalimboleko yomuntu siqu, yokusetshenziswa noma ezinye izinjongo amabhange abezikhuthaza.
Kunoma ikuphi, unamasu athile wezohwebo wokugcina wehlise intengo kwizivumelwano zakho. Enye yazo yileyo evame ukusetshenziswa kakhulu ngamabhange ngokwethembeka kwamakhasimende. Uhlelo lwayo lususelwa eqinisweni lokuthi njengoba ubhalise imikhiqizo eminingi nebhizinisi (izimali zokutshala imali, izinhlelo zempesheni, ama-akhawunti wokuhlola noma umshuwalense), imingcele yenzalo iyancishiswa. Kuze kufinyelelwe ibhonasi ephezulu phakathi kwephuzu elilodwa noma amabili wamaphesenti. Ngakho-ke, kuzosho ukwanda kokulondolozwa kwama-euro ambalwa ekusebenzeni ngakunye, ongakwabela ezinye izidingo empilweni yakho yangasese.
Amapulatifomu aku-inthanethi, ngokwengxenye yawo, athinta ukukhishwa kwamakhredithi asheshayo, kepha futhi mahhala kwezinye izimo ezithile. Okungukuthi, ngaphandle kwenzalo noma amakhomishini. Yize lokhu kukhushulwa kukhawulelwe kumanani aphansi okunikezwayo. Phakathi kwama-euro angama-200 kuya kwangama-500 aphakanyiswayo ekunikezelweni kwawo. Ukufeza lezi zimo, ukubekwa okuzodingeka kulezi zingxenyekazi ukuthi kube yisidingo sakho sokuqala. Ukuba, noma kunjalo, isu lokuhweba lakamuva lokuheha amaklayenti amasha. Ukushayela ukunakwa kwabafaka izicelo zakho.
Izikhathi zokubuya kwakho
Imigomo yokukhokha yalezi zingcingo zesikweletu izinsuku ezingama-30 futhi ngokuvamile zixhunyaniswa nohlobo lwe inzalo engaguquki. Kuzofanele njalo wenze inkokhelo efanayo futhi uzokugwema okumangazayo ngokubhaliselwe kwakho. Kodwa-ke, kunethuba lokusula isikweletu phambilini. Umhlomuli ngeke kudingeke aphathe inzalo, okuyinzuzo enkulu.
Lapho zonke izinzuzo ezihlinzekwa yimali mboleko esheshayo sezihlaziyiwe, isinqumo sokugcina sizoncika kuwe. Kuzofanele unikeze ubuqiniso noma cha emibandeleni yayo ngaphansi kwendlela lapho kufanele iphumelele khona uma ukwenziwa kwayo ngokusemthethweni kuzoba nenzuzo. Futhi uma kuzoba ukusebenza okuzuzisa kakhulu izintshisekelo zakho uma kuqhathaniswa nezinye izimali: amakhadi esikweletu, ngokukhokha kwakho noma ngezivumelwano ezivela ku-Intanethi.