Cela imali mboleko eyodwa noma yombhangqwana?

cela imali ebanjiswayo

Faka isicelo sokubambisa ngempahla Ingenye ye izinqumo eziyinkimbinkimbi Kwabanye abantu, hhayi kuphela ngoba imele ukutshalwa kwemali okukhulu, kepha futhi ngoba kuyinkontileka yasebhange egcina abaninikhaya beboshwe iminyaka eminingi.

Esinye sezinqumo ezinkulu sincike ekunqumeni ukuthi ngabe ufuna ukuchitha impilo yakho yonke nomlingani wakho. Futhi izinto ziba nzima lapho zombili izinqumo zihlangana bese uthatha isinqumo sokuthenga ikhaya uma unomuntu onekusasa naye. Uma kunjalo, kungcono cela imali ebolekwayo uwedwa noma uyicele kanye nomlingani wakho?

Izidingo zokufaka isicelo semali mboleko

izidingo zempahla ebanjiswayo

Okokuqala, kubalulekile wazi izidingo ukuthi amabhange ajwayele ukubheka ukuthi akwazi ukusayina imali ebanjiswayo, ngoba lokhu kuvamile kulawo macala lapho umuntu ewacela noma lapho kwenziwa ngendlela ehlanganyelwe.

  • Okokuqala, kubalulekile ukuthi ube nakho Umsebenzi ozinzile, okungcono ngesivumelwano esingapheli nangesikhathi esidala okungenani unyaka owodwa, nomholo ohambisanayo. 
  • Uma kukhulunywa ngabasebenza ngokuzimela, abasebenzi bakahulumeni noma abafundela umsebenzi, amabhange avame ukucela i- isipiliyoni seminyaka okungenani emibili usesikhundleni sakho, ngezinzuzo ezibonakalayo zezomnotho.
  • Kufanele ube nokonga, cishe a Izindleko ezingama-30% sezizonke, kufaka phakathi intengo yokuthenga, kanye nezindleko ezihambisana netayitela lokuthengiswa kwekhaya.
  • Futhi, imali okumele ikhokhwe akumele yeqe ngama-40% wemali engenayo yenyanga, kungaba ngawodwana noma ngokwejwayelekile.
  • Kubalulekile futhi ukuba ne- umlando omuhle wesikweletu, ngaphandle kwanoma yiluphi uhlobo lokuzenzakalelayo. Ngaphezu kwalokho, kungakuhle ukuthi ukhokhe ezinye izimalimboleko zangaphambilini, ngoba ukusebenza kwazo kunciphisa amathuba okwamukelwa kwempahla ngamabhange.

Lezi yizidingo ezivamile kubo bonke abantu, kepha ungakwazi abale isikweletu sakho se-intanethi futhi wazi izimo zakho zomuntu siqu. 

Ingabe kungcono ukuthi ucele imali ebolekiswayo uwedwa noma njengabantu abashadile?

Manje, ingabe kuyindlela engcono yokucela ukuthi kubanjiswe ngempahla yempahla yedwa noma njengombhangqwana? Impendulo ejwayelekile iya ngokuthi, yize kukhona izinzuzo ezihambisana nokufaka isicelo sokubambisa ngempahla okwabiwe ngaso.

Lapho umuntu oyedwa ecela imali ebanjiswayo, kuyadingeka ukuthi banikeze iziqinisekiso ezanele zokukhokha eziceliwe yibhange nokuthi bahambisane nazo zonke izidingo ezibalulwe ngaphambili ngaphandle kokuthola usizo lomunye umuntu.

Endabeni izicelo zombhangqwana, the amathuba okwamukela ukwanda kwemali mboleko ngoba amabhange ngokuvamile abheka ukuthi imali mboleko iphephe kakhulu. Lokhu kunjalo ngezizathu ezimbili ezilula: ngakolunye uhlangothi, ngokukhokha isikweletu esihlukaniswe phakathi kwabantu ababili, umthwalo kulowo nalowo kubo uzoba mncane futhi kube namathuba amaningi okuthi ikhokhwe ngaphandle kwenkinga; Ngaphezu kwalokho, uma omunye wabanikazi ehluleka kunoma iyiphi inkokhelo, omunye uphethe ukumboza ingxenye yabo. Okuphetha ngokuthi imalimboleko yempahla ebanjiswayo inobungozi obuncane bokwehluleka ukwedlula ezimweni lapho icelwa khona ngawodwana.

imali mboleko yezithandani

Okunye okuphawulekile ukuba khona kwe- amacala ahlukile lapho ufaka isicelo semali mboleko ehlanganyelwe, ngoba, emabhange, akufani nokuthi kucelwa ngabashadikazi kunomshado noma umbhangqwana we-de facto.

Umshado uvame ukubhekwa njengesimo esihleleke kakhudlwana futhi esizinzile. Yize iphuzu elibaluleke kakhulu ukunquma, esivumelwaneni semalimboleko, ukuthi ngabe impahla ngeyomunye noma bobabili nokusayina phambi komphakathi olungisa izivumelwano ocacisa iphesenti umuntu ngamunye analo.

Izinzuzo nobubi bokusayina isibambiso esabiwe

La isicelo sempahla ebanjiswayo ohlangothini oluthile lombhangqwana uletha nezinzuzo ezithile ezihambisanayo:

  • Ukufinyelela okulula kwesikweletu ngenxa yengcuphe ephansi yokwenza iphutha.
  • Umthamo omkhulu wesikweletu, okusho ukuthi ungafaka isicelo semali mboleko enesamba esiphakeme, okunikeza ithuba lokuthi uthole ikhaya elibiza kakhulu.

Kepha kukhona ububi obuthile, hhayi ngokwezomnotho kuphela, kodwa futhi ngokomzwelo, ehlobene nomthwalo wemali obeka izingozi zawo.

Ngaphezu kwalokho, kubalulekile ukuthi sisho ukuthi uma kwenzeka izithandani zehlukana, izinqubo azilula futhi kungathatha isikhathi esiningi nomzamo ukuzixazulula.

Uma kwenzeka kwehlukaniswa, kwenzekani ekubanjweni kwemali mboleko?

ukuhlukana kwezithandani

Kungakhohlisa, kepha kunezindlela ezahlukahlukene zokukulungisa:

  • Okokuqala, enye yezinto elula kunazo zonke uthengise indlu kumuntu wesithathu futhi ngemali oyitholile, khokha isikweletu sendlu nenkampani.
  • Ikhaya lingaba futhi etholwe elinye lamaqembu, okusho ukuthi imali ebanjiswayo ingeyakho kuphela kusukela ngesikhathi othola ngaso.
  • Enye inketho kucisha ikhondomu lezindlu. Okusho ukuthi, omunye wabantu ababili unikeza ingxenye yendlu yakhe komunye.
  •  Kulawa macala amabili okugcina kuyadingeka ukufeza i- ushintsho kubunikazi bempahla, isenzo okufanele sivunyelwe yibhange.

Ungase futhi khansela imali obolekiswe ngayo bese ufaka isicelo esisha ngawodwana, kepha lokhu kufaka izindleko eziphakeme, ngoba ukwesulwa kufaka izindleko zommeli olungisa izivumelwano, irejistri namakhomishini athile; Ngenkathi ufaka isicelo semali mboleko entsha kuthwala izindleko ezifanayo nokufaka isicelo sayo okokuqala ngqa.

Kunezinketho ezahlukahlukene, ezinobuhle nobubi obuhlukile ngayinye yazo. Kuyadingeka kuphela ukuhlaziya isimo secala ngalinye elithile bese unquma ukuthi ngabe kungenye indlela engcono yokucela isikweletu sendlu yodwa noma njengombhangqwana.

Okuqukethwe okuxhaswe ngumkhiqizo


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.