Enye yezinkinga ezinkulu kubasebenzisi ukuthi ihlanganiswe ne- uhlu lwabasebenza ngokungafanele. Kunezici eziningi zalezi zici, kepha ezinye zezinto ezaziwa kakhulu yi-ASNEF, RAI, njll. Uma igama lakho livela kunoma yiluphi lolu hlu, ngokuqinisekile uzoba nezinkinga ezingaphezu kweyodwa. Ikakhulu ebudlelwaneni bakho nezikhungo zezezimali. Kuze kube seqophelweni lokuthi unganqatshelwa ukunikezwa kwanoma iyiphi indlela yezimali. Okokuba ngomunye wabantu abafakiwe kulezi zinhlu akufuneki kangako ngabathengi
Kungaba nezizathu eziningi zokuba ube sohlwini lwe-ASNEF, RAI, njll. Kepha okunye okubaluleke kakhulu ukuthi uku- isikhundla somuntu okweletayo nanoma yiliphi ibhange. Okusho ukuthi, ukweleta imali ngokunikezwa kwemali mboleko, kodwa futhi okwenziwe ngeminye imisebenzi yasebhange. Isibonelo, ukungakhokhi ama-overdraft ku-akhawunti yakho yokuhlola. Lesi ngesinye sezizathu eziyinhloko zokuthi kungani kufanele uqaphele kakhulu ukuthi ube nokuthula nebhange lakho elijwayelekile. Ngoba ingakulimaza esikhathini esizayo esiseduze kakhulu.
Kodwa-ke, ingxenye enhle yabasebenzisi ingena ephutheni elibucayi lokuthi izikhundla ezikweletwayo kuphela namabhange okuyizizathu zokuba ohlwini lwama-defaulters. Ngoba empeleni akunjalo, kepha ngokuphambene nalokho ungafakwa ngenxa yokungakhokhelwa kwezinye izinkampani. Phakathi kwayo lapho opharetha bezingcingo ezihleliwe noma abangamaselula, izinkampani zomshuwalense ngisho nabahlinzeki be- izinsizakalo zasekhaya (amanzi, ugesi, igesi, njll.). Njengoba uzobe ubheka ukunqwabelanisa izikweletu kunoma iyiphi insizakalo ngeke kuzuze. Ngaphezu kwalokho, izovala amadili amaningi nebhange osebenza ngalo njalo.
Ngabe ngisohlwini lwe-ASNEF?
Manje kuza okuthakazelisa kakhulu futhi ukwazi ukuthi igama lakho liyavela yini ohlwini lwabenza iphutha ekugcineni. Akunzima kakhulu ukukuthola, kepha kunalokho kuzodingeka unikele isikhashana kulo msebenzi. Kepha ekugcineni uzoba nesiqinisekiso esiphelele sokuthi uku-ASNER, i-RAI noma olunye uhla lwalezi zici. Okokuqala, kuzodingeka ukuthi wazi ngokujulile ukuthi lezi zinhlangano ezibangela ukwesaba okungaka phakathi kwengxenye enkulu yabasebenzisi ziqukethe ini. Ukuze ngale ndlela, ucace sizoba yini isimo sakho uma ufakiwe kuhlu lwalezi zinhlangano.
Ngokuqondene ne-ASNEF, yinhlangano, okuqala kwayo kusho iNational Association of Financial Establishments, okubandakanya izinkampani zazo zonke izinhlobo (amabhange, ezokuxhumana ngocingo, izinkampani zomshuwalense ...) kanye nokuphathwa komphakathi. Inkinga ukuthi iningi lalabo bantu ababhalisiwe kuleli fayela abazi nokuthi likhona nokuthi yini le bhizinisi. Kepha akuyona ukuphela kwebhizinisi elifeza le migomo, kepha kunalokho kunezinye eziningi ezingaziwa njengaleli.
Imibuzo kumafayela
Ukuqinisekisa ukuthi ubhalisile ngempela ku- uhlu kwabangakhokhi i-ASNEF, kufanele ufake iwebhusayithi yabo kuphela, ngokubonisana ngocingo bese ubuza ukuthi ngabe uhlanganiswe ngempela kufayela labo. Kuzoba isu elishesha kakhulu futhi elisheshayo lokuphenya isimo sakho sezezimali. Ngakho-ke ngale ndlela, ungaqiniseka ukuthi igama lakho likulolu hlu lwabakweletwayo noma cha. Kunoma ikuphi, amabhange ayakwazi ukufinyelela kuwo futhi abonisane nawo ukubona ukuthi angasamukela yini isicelo samakhasimende abo. Kepha kungenxa yokuthi bangakunika imininingwane ngomphumela walolu phenyo lwezohwebo.
Olunye uhlelo ongalusebenzisa ukwenza isiqiniseko sokuthi igama lakho alifakiwe kunoma yiluphi uhlu lwabakhokhayo noma ukuthi unezikweletu ezingakakhokhwa nezinkampani ukufinyelela kufayela. Okokuqala, kuzodingeka ukuthi uthumele idokhumende lokubonisana elisemthethweni enkampanini ebhekele ifayela labakweletwayo be-ASNEF. Njengomphumela walesi senzo, uzoba nokufinyelela okuvulekile kufayela lale nhlangano. Ngale ndlela, uzokwazi ukubheka ukuthi ungomunye walaba bantu abasesimweni sokukweleta enkampanini noma emzimbeni. Ngaphezu kwalokho, ngaso sonke isikhathi.
Ungasilungisa kanjani lesi simo?
Ngakolunye uhlangothi, enye yezinhloso zamalungu ezinhlu zezitayela ze-ASNEF ukuphuma kuzo. Ngalokhu unamasu amaningana ukuze unyamalale ohlwini ngokushesha okukhulu. Ngabe uyafuna ukwazi ukuthi yini lawa masu nokuthi ungawaphatha kanjani? Yebo, naka kancane ngoba zingakusiza ukuthi uphume ezinkingeni ezingaphezu kwesisodwa ngesikhathi esithile sempilo yakho.
Isigaba sokuqala senqubo sizoba nokukhokha isikweletu ngokushesha okukhulu ukuze ube sesimweni sokucela leyo datha yakho ziyasuswa ebhukwini. Ukuze ngale ndlela, ungabe usavela eqenjini lamakhasimende ahlubukayo. Enye indlela onayo ukukhombisa ukuthi inqubo ayenziwanga ngokuya ngemithetho yamanje. Lokhu, empeleni, kusekelwe ekutheni lesi sigaba sezinkampani siphoqelekile ukukwazisa ngokubhala kusengaphambili. Ngokuqondile, isikhathi sokuphela kwalesi saziso izinsuku ezingama-30.
Ukwenqatshwa kwamakhredithi
Omunye wemiphumela esatshwa kakhulu yokuba sohlwini lwe-ASNEF ukuthi uzovinjelwa ukufinyelela kunoma yiluphi uhlobo lwezezimali ngezikhungo zezikweletu. Noma kunjalo, awulahlekelwanga yikho konke. Hhayi kancane. Ngoba abanye amapulatifomu ezezimali aku-inthanethi Banikela ngemalimboleko ngeZikhungo Zezikweleti zezezimali ukuze abantu abafakiwe kulawa mafayili wabakhokhayo bakwazi ukufeza izinhloso zabo. Kodwa-ke, le yimigqa ekhethekile kakhulu yesikweletu. Kuchazwa ukuthi banikezwa ngamanani aphansi, ngokuvamile angaphansi kwama-euro angama-3.000. Futhi ngezimo ezihlukumeza kakhulu kulezi zinhlangano zezezimali. Ikakhulu, ngoba bakhiqiza inzalo ephezulu kakhulu, kokuningi okunikezwayo okungaphezu kwama-20%.
Kunoma ikuphi, kuyisixazululo esishoyo se- hlomisa nge-liquidity ezimeni zokuphuthuma okukhulu. Njengokuthi, ngokwesibonelo, ukhokhe izikweletu nabantu besithathu, ukhokhe intela noma izimfuno ezikhethekile zemali. Ngokuphambene nalokho, enye yezinzuzo zalolu hlobo olukhethekile kakhulu lwesikweletu ukuthi zingenziwa zibe semthethweni ngesikhathi esifushane kakhulu. Ngoba emizuzwini embalwa uzoba nayo ku-akhawunti yakho yokubheka nangokwenza ngokusemthethweni okushesha kakhudlwana. Lokho wukuthi, awudingi ukuthethelela lapho kufinyelela khona amanani. Ngisho nokuthi wethula uchungechunge lwemibhalo: iholo, isitatimende semali engenayo noma imali engenayo evela eminyakeni edlule. Ukufika lapho isicelo senziwa khona ezimweni eziningi ngefomu.
Iziphetho ngalesi simo
Vele, lesi simo akuyona into engajwayelekile kuwe. Kungenzeka kuwe njengoba kwenzeka ngezinkulungwane nezinkulungwane zabasebenzisi abagcine benesimo sokuzenzakalelayo. Kuyadingeka kakhulu ukuthi ubheke ukuthi yini ngempela icala lomuntu wakho. Ngoba uma kunjalo, ngeke ube nokhetho ngaphandle lungisa ngokushesha lesi sehlakalo. Yize kuyinkinga enkulu ukuzivumelanisa nomndeni wakho noma isabelomali sakho. Akumangalisi ukuthi phakathi nendawo nangesikhathi eside kuzoba yisinqumo esizokunxephezela kakhulu. Kufika ezingeni lokuthi ungafika kuyo ngesikweletu esingabalulekile ngempela. Kepha ngaphandle kokungabaza ukuthi kuzokulimaza ebudlelwaneni bakho nezikhungo zezikweletu.
Ungase ucabange ukuthi leso sikweletu osigcina sisodwa saziwa nguwe futhi ngelinye iqembu. Kuyiphutha elikhulu ukuthi ungakhokha kakhulu kusuka manje. Futhi uma kungumphumela wesenzo sokuhlukumeza ezinhlanganweni ezithintekile, isimo esihle kakhulu kuzoba ukucacisa ukuthi kungani ufinyelele kulezi zikhundla zokweleta. Ngokuqinisekile uzofinyelela kufayela le- isivumelwano esigculisayo nelinye iqembu ukuze zingalokothi zifakwe ohlwini lwalezi zici ezikhethekile. Uzobona ukuthi lesi sixazululo esisekelwe ekuvumelaneni kwamaqembu womabili singcono kanjani.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi isivumelwano esibi ngaso sonke isikhathi singcono kunokufinyelela kulesi simo esibi. Ngaphandle kwamanani adingwa elinye iqembu. Ngalo mqondo, kuyisenzo esenzeka ngokuvama okuthile kubaqhubi bezingcingo abangaguquki nabaselula, kanye nasezinsizakalweni zasekhaya eziyinhloko (ikakhulukazi igesi nogesi). Lesi ngesinye sezizathu eziyinhloko zokuthi kungani ungeke ukwazi ukuhlala kulesi simo. Ngoba ekupheleni kosuku, izikhungo zezezimali bazogcina bethole konke. Njengoba kubuhlungu lokhu ngenxa yezintshisakalo zakho.
Kulesi simo esivamile, ungangabazi ukuthi isenzo esenzeka njalo nokuthi ngaphambi kokukufaka ku-ASNEF (noma olunye uhlu lwabakhokhi) inkampani okweleta imali yayo izama ukuthola ukuthi kwenzekeni ngempela nokuthi izama ukuqoqa lokho imali oyikweleta kuzikhundla zakho ze-accounting. Ngoba, futhi ekugcineni, awukwazi ukukhipha ukuthi inkampani ethintekile izama ngazo zonke izindlela ukukhipha indlela enobungane. Kungaba yisixazululo esifanele nina nobabili. Okungenani kuzofanele ucabange kabusha okungcono kakhulu kuwe.