Njalo lapho umuntu enza inkontileka nganoma yiluphi uhlobo lomshwalense, enye yezinto okufanele icatshangelwe yile isikhathi somusa. Abantu abaningi, nokho, abanalo nhlobo ulwazi lokuthi isikhathi somusa simayelana nani, okubaluleke kakhulu ukucatshangelwa lapho uthenga umshwalense.
Siyini isikhathi somusa?
Ngokujwayelekile, isikhathi somusa yisikhathi okufanele sidlule ngemuva kokuqala ukusebenza komshwalense onenkontileka futhi kuze kube yilapho umuntu esezuza ngokusebenzisa le sevisi enesivumelwano nalesi sigaba somthetho. Kubukeka sengathi akunangqondo ukuthatha umshwalense futhi kufanele ulinde isikhathi esithile ukusebenzisa izinsizakalo zawo.
Noma kunjalo, kweminye imishwalense, efana umshuwalense wezempilo, kujwayelekile ukuthi lesi sigatshana sesikhathi somusa sisetshenziswe kwezinye izinsizakalo ezihlanganisiwe. Ngokuvamile imishwalense yezempilo ene- Izinkathi zokulinda zezinyanga eziyi-8 zokunakekelwa kwezidingo. Ngakho-ke, lokhu kusho ukuthi kusukela ekuqaleni komshuwalense wezempilo onenkontileka, kuze kube ngemuva kwesikhathi somusa sezinyanga eziyi-8, ukunakekelwa kwezokwelapha akukwazi ukutholwa lapho kuzalwa.
Ukunemba kakhudlwana, isikhathi somusa yisikhathi sesikhathi esibalwa izinyanga ezidlulile kusukela ngosuku lokubhaliswa kwinqubomgomo, lapho ezinye izembozo ezifakiwe kunqubomgomo eshiwo zingasebenzi. Ngakho-ke yisikhathi okufanele sidlule kusukela osukwini lokuqala kwenkontileka, ukuze abanomshwalense bakwazi ukufinyelela kuzo zonke izinsiza ezinikezwa kumgomo wezempilo.
Njengoba sekukhonjisiwe, izikhathi zomusa zibalwa ngezinyanga futhi zingahluka kakhulu ngokuya hhayi kuphela ngensizakalo, kepha nangomkhiqizo onikwe isivumelwano. Ngaphezu kwesikhathi sokulinda sokubeletha esesivele sishiwo, kunesikhathi sokulinda sezinyanga eziyi-6 sokuhlolwa okuthile kokuxilongwa, ukuhlinzwa kweziguli, kanye nezindlela zokwelashwa.
Kunoma ikuphi, kubalulekile ukuthi abanomshwalense bathintane nemibandela ejwayelekile kanye nenqubomgomo yomshwalense enikwe inkontileka yokwazi ukuthi yiziphi izikhathi zomusa ezifakiwe kumshwalense wezempilo.
Yini injongo yezikhathi zomusa?
Isizathu esikhulu sihlobene nabomshuwalense abafuna ukuvimbela abantu ekuthengeni umshuwalense ukuthola ukunakekelwa maqondana nezifo abahlangabezana nazo ngenkathi bethola inqubomgomo. Lokho abakufunayo ukuthi umshwalense unenkontileka ecabanga ngokungenzeka esikhathini esizayo, okuyinto engaziwa.
Kuyindlela futhi nabanikazi bomshuwalense abayisebenzisayo ukuze bathole izinkokhelo ezibavumela ukumboza izindleko okuzodingeka bazikhokhe ngokuhamba kwesikhathi, uma kuphela isikhathi somusa.
Yimuphi umshuwalense ofaka isikhathi somusa?
Okuthile okubalulekile ukwazi ngakho izikhathi zomusa, ngukuthi zingahluka ngokuya ngenkampani yomshuwalense. Izikhathi zokulinda zivame ukufakwa kumshuwalense wamazinyo, umshuwalense wokuphila, umshuwalense wezempilo, umshuwalense wekhefu lokugula, nomshuwalense wokufa. Futhi yize imigomo ingahluka kakhulu kusuka komunye umshwalense kuya komunye, ngokujwayelekile kwezinye izikhathi lezi zikhathi zokulinda ziyaqondana, njengoba kunjalo ngokwesibonelo nesikhathi sokulinda sokulethwa, esivame ukuba phakathi kwezinyanga eziyi-8 nezili-10.
Ingabe izikhathi zokulinda zingagwenywa?
Kunjalo Akuwenzi umqondo omkhulu ukuthi abantu balinde isikhathi esithile ukuze bakwazi ukuzuza emisebenzini abayitholile.. Uma ungafuni ukuba nalezi zikhathi zokulinda, into ejwayeleke kakhulu ukuthi kufanele ube nomlando womshuwalense wangaphambilini lapho ongene khona kwizembozo ezilinganayo ofuna ukuziqasha, ngaphezu kwesikhathi sakudala okungenani 1 unyaka.
Ngaphezu kwalokho, kuvame ukwenzeka kulabo abafisayo uthathe umshwalense ngaphandle kwezikhathi zomusaKufanele baphendule uhlu lwemibuzo lwezempilo ukufakazela umshwalense ukuthi abanalo uhlobo oluthile lokugula okwedlule okungamukeleki kumshuwalense. Lawa amafomu ngokuvamile alula ukugcwaliswa, futhi angenziwa ngocingo. Uma kwenzeka ukuthi umshwalense abe nokugula emzimbeni noma kwengqondo esikhathini esedlule, imibiko yezokwelapha izocelwa ukuthi ihlolwe odokotela bomshuwalense.
Uma imininingwane enikezwe ngefomu iyathandeka futhi izidingo ezibalwe ngenhla ziyahlangatshezwa, umshwalense uzoqhubeka nokuqeda izikhathi zomusa noma, lapho kufanele khona, azise umshwalense ukuthi angaqeda noma anciphise lezo zikhathi kangakanani. Ngokuphambene nalokho, uma ifomu lingavumi, inkampani yomshuwalense ngeke nje kuphela iqede izikhathi zokulinda, kodwa futhi kungenzeka ukuthi bazokwenqaba ukukhipha umshwalense.
Kubalulekile futhi ukusho lokho cishe kukho konke amafomu omshuwalense wezempilo avame ukufakwa, ezinenhloso yokunquma ukuthi umuntu ocela umshwalense uphilile. Lawa mafomu ayimpoqo, futhi kufanele aphendulwe ngobuqotho ngokuphelele ukugwema noma yikuphi ukuphazamiseka ngokuzayo. Kumele kucatshangwe ukuthi inkampani yomshuwalense idinga yonke imibiko edingekayo ukunquma ukuthi abanomshwalense bakhuluma iqiniso uma kwenzeka okuthile kamuva.
Kwenzekani uma uke waba nokugula kwangaphambilini?
Uma kunjalo, kuhle ucabangisise uma kuwumqondo omuhle ngempela ukushintsha umshwalense. Kuvamile impela lokho izinkampani zomshuwalense zengeza okungafakwa ngomqondo ukuthi yize bemukela umshwalense, empeleni ngeke bahlanganise noma yini ephathelene nokugula obekukhona phambilini. Uma kwenzeka ukuthi ukukhishwa kungasungulwa futhi zonke izikhathi zomusa ziyasuswa ngenxa yokuba nomunye umshuwalense, kuyabe kungakuhle ukuthi ucabange ukushintshela komunye umshwalense.
Kodwa-ke, kubaluleke kakhulu ukuqinisekisa ukuthi lokhu kuzoba njalo, ngoba lapho umuntu eshintsha umshwalense, kunzima kakhulu ukuthola leyo mibandela efanayo futhi. Okusho ukuthi, lokhu kufanele kuvele ezimeni ezithile zenqubomgomo futhi uma kutholwa, kubalulekile ukuhlola ukuthi kuyavela yini ngokubhala ukuthi izikhathi zomusa zisusiwe noma zizosuswa.
Uma ingakhonjiswanga ngokubhaliwe, kungenzeka kakhulu ukuthi umshwalense uhlanganisa izikhathi zomusaNgakho-ke, kubaluleke kakhulu ukuqinisekisa ukuthi isimo ngokuvamile asizifaki lezi zikhathi zomusa.
Ingabe kungaxoxiswana ngezikhathi zomusa?
Lokhu futhi kungokunye ukungabaza okuvame kakhulu uma kukhulunywa ngezikhathi zomusa. Ngalo mqondo, kubalulekile ukusho ukuthi lapho inqubomgomo yomshwalense inabaninipholisi abaningi, umshwalense angacabanga ukuxoxisana ngezikhathi zomusa.. Abazokwenza ukunquma ukuthi kunenzuzo engakanani inkampani ukuvikela bonke labo bantu ngayo yonke imibandela uma ngabe oyedwa kuphela womshuwalense engahlangabezani nezimfuneko.
Ngemuva kwalokho, izinkampani zomshuwalense zisebenza ngaphansi kwemigomo yanoma iyiphi inkampani, ngakho-ke ngokuya ngendaba elula. Kuyiqiniso ukuthi akuzona zonke izinkampani zomshuwalense ezimisele ukuxoxisana ngezikhathi zomusa, kepha kungenzeka ukuthi noma isikhathi somusa singasuswa.
Kukhona nesikhathi somusa kwizimalimboleko
Hhayi kuphela ukuthi kunezikhathi zomusa kumshuwalense, Zibuye zisetshenziswe emkhakheni wezezimali. Ezimalimboleko ezinesikhathi somusa, lokhu kusho ukuthi iklayenti likhululiwe ezibophweni zalo nenkampani yezezimali noma ibhange, ukukhokha imali yabo noma ingxenye yabo. Izikhathi zomusa wemalimboleko zivame ukwenzeka ikakhulukazi uma kukhulunywa ngemali mboleko enkulu.
Ikakhulu ezigabeni zokuqala zemalimboleko Ngemuva kokusayina, isibonelo, inkontileka yokubolekwa kwemali, ngoba isimo sezomnotho seklayenti ngaleso sikhathi imvamisa asisihle kakhulu ngenxa yezindleko okufanele zikhokhe, kufaka phakathi intela, ukuthenga ifenisha, ukumboza izindleko zokuphatha, njll.
Kumele kushiwo ukuthi izikhathi zomusa azivamile kuma-microloan ngoba inani eliphansi lohlelo lwezezimali olushiwo empeleni lwenza ukuntuleka kungabi nengqondo kakhulu.
Noma ngabe yikuphi, noma ngabe kunjalo umshuwalense wezempilo noma imalimboleko yomuntu siqu, kubalulekile ukuthola mayelana nezikhathi zomusa. Abantu bavame ukungazinaki lezi zinhlobo zezinkinga, kepha kubalulekile ukuqinisekisa ukuthi lezi zikhathi zomusa ngeke zithinte izidingo zakho. Kunoma ikuphi, kuyadingeka ukuthi kufunwe izeluleko nocwaningo ngalolu daba ukuze kugwenywe izinkinga ezingaba khona ngokuzayo.