Omunye wemiqondo ongaziwa kangako, nokho ubaluleke kakhulu ezindlini nasezinkampanini wuhlelo lokwehliswa kwemali mboleko. Kuyithebula lokwazi ukuthi isikweletu sishintsha kanjani.
Kulungile manje wake wakuzwa? Ingabe uyazi ngempela ukuthi sikhuluma ngani ngaleli temu lobuchwepheshe? Ngezansi sizama ukucacisa ukuthi lisho ukuthini nokuthi kungani libalulekile.
Ithini ishejuli ye-amortization yemali mboleko
Into yokuqala okudingeka uyazi ukuthi sisho ukuthini ngaleli gama. Cishe, njengoba sike sazama ngaphambili, itafula lapho ungabona khona zonke izinkokhelo okufanele zenziwe ukuze kuvalwe isikhathi semalimboleko.
Ngamanye amazwi, kuwuhlobo "lwekhalenda" ababona kulo zonke izinkokhelo okufanele uhlangabezane nazo ukuze ukhansele imali oyicelile.
Ngaphakathi kwaleli bhokisi kungase kube khona izingxenye ezimbili ezihlukene, njengoba, lezo zitolimende esezikhokhiwe, zingavela ngombala oluhlaza (okuthiwa zikhokhelwe) ngokungafani nezinye ezingaba mhlophe, zibomvu, njll. okubonisa ukuthi kusafanele baneliseke.
Okuthile okufanele ukukhumbule ukuthi, phakathi kwezibalo ezibalwe ezinkokhelweni, akukhona nje kuphela lokho okufanele ukubuyisele emalini ebolekiwe, kodwa nenzalo obhekene nayo ngokuboleka imali.
Yiziphi izici ezakha itafula lokuncishiswa kwemali mboleko
Manje usunombono omncane wokuthi liyini ithebula lenkokhelo yemalimboleko, isinyathelo esilandelayo okufanele usenze ukuze uthole okwengeziwe ukwazi izici ezakha leli thebula. Kusukela manje siyakutshela ukuthi kukhona amahlanu futhi asakazwa ngamakholomu.
Ngokukhethekile, yilezi ezilandelayo:
- Isikhathi: Kungokokuqala ozothola kuthebula le-amortization yemalimboleko. Ibonisa isikhathi ozobuyisela ngaso inkokhelo. Ngakho-ke, kuyaguquguquka, kuye ngokuthi uxoxisane isikhathi esingakanani ukuze ubuyisele imali ebolekiwe, kanye nenzalo, ikholomu izoba yinde kakhulu noma ngaphansi.
- Izintshisekelo: Ivela kuthebula njengekholomu yesibili. Njengoba nazi, uma kucelwa imali ebolekiwe, okujwayelekile ukuthi inenzalo okumele ikhokhwe ngaphandle kwemali abakuboleke yona. Lokhu kubalwa ngokuphindaphinda phakathi kwenani lenzalo okuvunyelenwe ngalo (okungukuthi, lelo elimiswe ngaphansi kwemibandela oyisayinayo) kanye nemali eyimali esele. Ngaphezu kwalokho, ingalungiswa futhi iguquguquke. Kodwa isici esibaluleke kakhulu salesi sithakazelo ukuthi sizohluka ama-quotas. Inzalo engaguquki emalini ebolekiwe iyonke okufanele ikhokhwe ayifani nalapho usuvele unokuncane kakhulu okufanele ukubuyisela, ngoba inzalo iyehla. Ake sithi ukhokha kakhulu ekuqaleni kunasekupheleni.
- I-Amortization yemali: Itholakala cishe njalo kukholamu yesithathu. Kulesi simo, ukukhishwa kwe-amortization kubhekisela kulokho okumele kubuyiswe emalini ebolekiwe, kodwa kwenziwa ngaphandle kokubala inzalo. Ngamanye amazwi, sikhuluma ngenani lemali ebolekiwe ekhokhwa kancane kancane.
- Imali okufanele uyikhokhe: Uma inzalo kanye namakholomu okuncishiswa kwempahla emalini esefakiwe, elandelayo elandelayo yilena eyenza isamba kulawa makholomu amabili ukuze azi ngempela ukuthi umuntu ocele imali ebolekiwe uyazi ukuthi yini okufanele ayikhokhe.
- Ikhephithali yemali mboleko isalinde ukuncishiswa: Okokugcina, ikholamu yesihlanu ayikho enye ngaphandle kokukhombisa inani lemalimboleko esele okufanele ikhokhwe. Futhi kwenziwa kanjani? Kuzodingeka ukhiphe uthishanhloko osele enkathini yangaphambili kanye nokuncishiswa kwenani kwaleyo nyanga yamanje.
Izinhlobo zokuncishiswa kwenani kuthebula lenani lemali mboleko
Esinye sezici ezibaluleke kakhulu zeshejuli yokubuyisela imali mboleko amanani okukhokha. Lezi zingahlukahluka; ezivame kakhulu yilezi ezilandelayo:
- Ukuncishiswa kwezimali okunganqamuki. Kulokhu kubonakala ngoba imali yokukhokha izoba kancane kancane. Isizathu siwukuthi izithakazelo zisuka kwesinye isikhathi ziye kwesinye ziyashintsha. Ekuqaleni, njengoba imali ezobuyiswa iphezulu, inzalo iphezulu, kodwa njengoba sibuyisela imali eyayizosala, incane futhi lokhu kusho ukuthi kufanele ukhokhe kancane. Ibizwa ngokuthi indlela yesiFulentshi noma eqhubekayo. Futhi iyona evame kakhulu cishe kuwo wonke amathebula okuncishiswa kwemali mboleko.
- Izimali ezikhokhwa njalo. Enye indlela yokwenza imali ngokukhokha isitolimende esifanayo. Kulesi simo, ukukhokha imali kuncane ekuqaleni kodwa kuba kukhulu ekugcineni. Kuyifomula esetshenziswa emalini ebolekwayo enenani elingaguquki.
- Nge-amortization eyodwa. Njengoba ungase ucabange, imayelana nokukhokha inzalo kuphela yemali ebolekiwe futhi, lapho lezi ziphela, ngesikhathi esisodwa, yonke imali oyibolekile iyakhokhwa. Ngokwesibonelo, ake ucabange ukuthi ucele ama-euro angu-6000 futhi inzalo ifinyelela ku-300. Ungabuyisela lawo ma-euro angu-300 ngezitolimende kodwa, ekugcineni, kuzodingeka ubuyisele ama-euro angu-6000 ngesikhathi esisodwa.
Kungani amathebula e-amortization emali mboleko ngezinye izikhathi engelona iqiniso
Kungenzeka ukuthi ngesinye isikhathi ibhange likunikeze ishejuli ye-amortization yemali mboleko, wamukele futhi ekugcineni izimali ozikhokhayo azihlangene nalokho okwasungulwa kulelo thebula. Ingabe ukhohlisiwe? Cishe akunjalo, ngoba izinga lenzalo liyangena lapha.
Nini usayine imalimboleko, Ingabe izinga lenzalo lalizolungiswa noma liguquguquke?
Uma izinga lenzalo lilungisiwe, uhlelo lokuncishiswa kwemali mboleko abakunikeza lona yilo lwangempela. Ngoba uyazi ngaso sonke isikhathi ukuthi uzokhokha ini futhi kuyalandelwa ngokuqinile.
Manje, uma izinga lenzalo liyaguquguquka, uhlelo lokuncishiswa kwemali mboleko alukwazi ukuba ngokoqobo. Iba isifaniso sesibikezelo sokukhokha, kodwa njengoba inzalo ishintsha ngokuhamba kwesikhathi, ngeke ibalwe kahle.
Yiziphi ezinye izinto itafula lokuncishiswa kwenani lemalimboleko elingasetshenziswa?
Uma unenkampani, kungenzeka ukuthi unempahla engashintshi. Ngamanye amazwi, izimpahla namalungelo azoba senkampanini yakho isikhashana futhi ozothengela ukuphila kwawo okusebenzisekayo.
Kulokhu, itafula le-amortization liyasetshenziswa, kuphela ukuthi, kulokhu, kungenzeka ukuthi kukhona amakholomu ambalwa futhi ligxile ekwazini ukuthi yini engancishiswa ngekota noma unyaka waleyo nto.