Yini ukunikezwa okunikezwa yizingxenyekazi zezezimali?

Ungazuza kokunikezwayo okwenziwe yizingxenyekazi zamakhredithi abo amancane

Amapulatifomu ezezimali aku-inthanethi abe yizimoto ongazifaka enkantolo imali mboleko encane. Kusuka kuma-euro angama-50 kuya kwangama-800, futhi cishe akukaze - ngaphandle kokunye - ngamanani aphezulu. Le yimigqa ekhethekile kakhulu yesikweletu ebonakala kakhulu yi indlela elula yokuzithola, kodwa ngasikhathi sinye ngenxa yezimo zenkontileka eziye zabonakala ngaphansi kwamanani enzalo aphakeme kakhulu kunasezimalimboleko ezivamile.

Ngaphezu kweziphakamiso ezijwayelekile ezethulwe yilaba babolekisi, ukuthuthukiswa kokunikezwa okuthakazelisayo namaphromoshini ongahlomula kuwo ngokuvumelana kwawo kuyangezwa. Iningi lazo lisuselwe ku- imfuno yakho yokuqala yenziwa ibe semthethweni ngaphandle kokuthi ubakhokhele inzalo. Lokho kusho ukuthi, ku-0%, futhi ngaphandle kwezinye izindleko kubaphathi bayo. Kodwa-ke, kufanele ufunde ngokucophelela ukuphrinta okuhle kwezinkontileka zabo, ngoba kungahle kudinge ezinye izidingo zokuthola lezi zinhlobo zezimali.

Lolu hlobo lokunikezwa kwephromoshini luyenziwa ngeziphakamiso ezinolaka kakhulu lokho kukwenza ungakwazi ukumelana nokwamukelwa kwabo. Akumangalisi ukuthi ukwethulwa kwayo kungenxa yesifiso sokuthi lezi zinkampani kumele zizenze zaziwe ngamakhasimende angaba khona ezimpawu zawo zokuhweba. Futhi lapho iningi lazo lithuthukisa ukunikezwa okufana kakhulu phakathi kwazo zonke, futhi cishe ngaphandle komehluko.

Izikweletu ezincane ezinokufinyelela okulula

Ubuhle bamamodeli wabo wezezimali bususelwa eqinisweni lokuthi ngeke bakubuze ngezidingo eziningi zokuthola imikhiqizo yabo. Kwanele ukuthi uneminyaka yobudala esemthethweni, nokuthi unemali engenayo ejwayelekile ejwayelekile yokuthi bamukele isicelo sakho. Ngaphezu kwalokho, inani elifunwayo lizoshesha ku-akhawunti yakho yokuhlola, kungabi ngaphezu kwezinsuku ezi-1 noma ezi-2.

Futhi ngenxa yalokho, ungayisebenzisela noma iyiphi injongo, kusukela ekukhokheleni isifiso esincane, ukukhokha isikweletu phambi kwabantu besithathu, ngaphandle kokukhohlwa izinkokhelo ezifika ngesikhathi okufanele ubhekane nazo ngesikhathi esifushane: izikweletu zasekhaya, izimali zomshuwalense nezibopho zentela, phakathi kokunye.

I-counterpoint yalezi zimo ezinomusa wephrofayili yakho njengeklayenti ivela amanani enzalo anwebeka kakhulu asetshenziswe kuma-microcredits akho. Ngempela, ungazithola unezikweletu ezingama-300 euros ezizosho ukukhishwa kwemali enkulu ngokwamukelwa kwenkontileka. Futhi lokho kungabathatha bafika cishe ku-30%, okuzoholela ekutheni wenze umzamo omkhulu wokuvala lo msebenzi.

Izipesheli ezinikezwa ababolekisi

Ngaphandle kwakho konke, amapulatifomu ezezimali sethule uchungechunge lokunikezwayo, nokuthi ngaphansi kwezimo ezithile, bangakulethela izinzuzo eziningi ekuqashweni kwakho. Kulula kuwe ukubazi, uma kwenzeka nganoma yisiphi isikhathi udinga amanani amancane ngokuphuthumayo, futhi ukhubaze iziteshi zebhange ukuze zikunikeze.

Elinye lamasu avame kakhulu okusetshenziswa kakhulu yizinkampani ezixhasa ngemali kwi-inthanethi ukususa isilinganiso senzalo kule mikhiqizo. Zithengiswa njenge izikweletu zamahhala, ngaphandle kwenani lenzalo, ngisho ikhululiwe kumakhomishini nakwezinye izindleko ekuphathweni kwayo. Kepha zivumeleka kuphela ngezimfuno ezingafuneki kakhulu, ngomkhawulo omkhulu wama-euro angama-300.

Bazofuna imibandela emibili. Ngakolunye uhlangothi, ukuthi uyiklayenti elisha, futhi ngakolunye uhlangothi, uhambisana nezikhathi ezibekiwe ezisungulwe yizingxenyekazi zezezimali uqobo. Futhi uma kungahambisani nazo, kuzosho ukukhokhwa kwezinhlawulo ezibiza kakhulu ngezintshisekelo zakho.

Akukhona konke ukunikezwa kokuphromotha okunolaka ngokulinganayo, yebo akunjalo, kepha kuzokhawulelwa kwezinye izimo ngokuzisebenzisa ngaphansi kwezaphulelo kunzalo etholakele. Bangaphakama bakunikeze amabhonasi afika ku-50%. Kukhona namanye amakhasimende amasha, angalokothi amakhasimende asevele exhunyaniswe nalezi zinkampani.

Izaphulelo eziqhubekayo eziphansi

Ungazuza kwezinye izaphulelo esicelweni sakho

Akuyona kuphela isu lokuhweba elisetshenziswa yilezi zingxenyekazi, kepha futhi ziyazisebenzisa kumakhasimende asevele asunguliwe. Hhayi ize, imayelana nokwakha ukwethembeka kwamakhasimende, into ejwayelekile kakhulu ezinhlakeni zebhange, ukuze abasebenzisi bakwazi ukwenza ngcono izimo zenkontileka zemikhiqizo yabo yezezimali. Kuyindlela emfushane kakhulu yokuthola izinzuzo eziningi kuleli banga lemalimboleko.

Kulesi simo esithile, baphrinta amabhonasi afinyelela ku-25% kumalimboleko abo amancane kuye ngenombolo yezikhathi oyisebenzise ngayo le sevisi. Futhi ngenxa yalokho, lapho ufune imali mboleko eningi, izaphulelo ziya ngokwanda lokho kusebenza kuwe lapho usayina lo msebenzi. Inhloso ukugcina ikhasimende, futhi ngalokhu bazama ukukuxhumanisa kakhulu nomkhiqizo wezohwebo, futhi ngaleyo ndlela bagweme ukuya ezinsizakalweni ezinikezwa umncintiswano.

Baze baqhubekele phambili ngenhloso yamasu abo okuhweba, bezama ukubandakanya abantu abaningi enkambisweni yecala. Le modeli isuselwa ekubhekiseni kwamanye amaklayenti, ukusebenzisa amadizayini wokumaketha afakwe eminye imikhakha yezobuchwepheshe. Ngale ndlela, uma ubayisa kwelinye iklayenti, nobabili ningazuza kulo msebenzi.

Kanjani? Kulula kakhulu, uma ungumuntu othembekile kwelinye iklayenti, uzothola idiphozi ye-akhawunti. Ngeke kube phezulu kakhulu, kepha okungenani kuzokusiza ukukunikeza isifiso esincane. Ngenkathi uma uyisivakashi ukujoyina noma iyiphi yalezi zingxenyekazi zezezimali, uzomane uthole imali mboleko encane mahhala, okungukuthi, ngaphandle kwenzalo, yize unesikhathi esithe xaxa sokukhokha, esizokhawulelwa emasontweni ambalwa kuphela.

Izinzuzo zamakhasimende amasha

Kunoma ikuphi, uzohlala unensiza ye- uzuze esimeni sakho njengekhasimende elisha ukusizakala ngezimo zokubhaliselwa ezenziwa ababolekisi ngokukhethekile okukhulu. Njengoba kushiwo ngaphambili, ngaphansi kokungakhokhiswa kumanani wenzalo, kepha nangamanye amasu wokuhweba asuselwa kusaphulelo sawo, noma ngokunikezwa okusha, futhi ngaso sonke isikhathi ngokuncipha lapho wamukela imalimboleko ngaphansi kwale mibandela.

Bese kuthi-ke uma isicelo esisha sesemukelwe, qhubeka nokwenza kube semthethweni ukusebenza ngezimo ezijwayelekile ezilawula lesi sigaba semikhiqizo yezimali zasekhaya. Kuzofanele uyibuyise kuphela, enezinsuku zokugcina ezinzima kakhulu ezingavamile ukudlula inyanga eyodwa noma ezimbili.

Le yimisebenzi eyenziwa kufanele ubhalise lapho uyidinga ngempela, abaze ngesibopho sezinzuzo abazivezayo. Futhi ikakhulukazi ezimweni lapho amabhange ephika isimangalo sakho. Ngenxa yokuphuthuma kokwenza inkokhelo ngokuphuthumayo. Ukwenza umsebenzi wakho wokuqala ngalezi zinkampani ezincane zezezimali kuzokukhokhela.

Izinkinobho eziyisishiyagalombili zokuzuza kulokhu kunikezwa

Amathiphu amahle kakhulu wokuzuza kokunikezwa kwezingxenyekazi zezezimali

Uma ufuna ukusizakala ngalezi ziphakamiso, akukho okunye ongakwenza ngaphandle kokufunda imishwana yazo ngokucophelela. Futhi uma isidingo siphuthuma ngempela, khetha leyo mboleko encane elingana nephrofayili yakho njengomsebenzisi walolu hlobo lwemikhiqizo yezezimali. Izokusiza ukuthi uphume ezinkingeni ezingaphezu kweyodwa, kodwa ngaphezu kwakho konke ukufaka esikhundleni sesimangalo esinqatshelwe yibhange lakho. Ukuyifinyelela, hhayi ngeholo (noma ngempesheni), kodwa ngolunye uhlobo lwemali engenayo nge-akhawunti.

Ngisho Uma ungasebenzi futhi uthola uhlobo oluthile losizo olusemthethweni, ngeke kukwenze ulahle le mali, ngisho nangaphansi kokunyuswa okwethulwa yilezi zinkampani. Akhiwa ikakhulukazi ababolekisi, ngokunikezwa okuphezulu okwamanje, futhi ngenxa yezidingo ezinkulu zebhange.

Ngaphezu kwalokho, kufanele ubale ukuthi amabhange angathengisi imali mboleko ngemali ephansi kangako, noma ngemigomo emifushane yokukhokha. Kepha ukuze imisebenzi yakho ithuthuke ngaphansi kwesimo esihle sezintshisekelo zakho, ngeke ube nokhetho ngaphandle kokungenisa ezinye zezincomo esizethula ngezansi.

  1. Zama ukuthola ifomula ukuze imalimboleko encane oyifunayo ungaphuma mahhala, ngaphandle kwanoma yiluphi uhlobo lwezindleko ezingeziwe. Ngokuqiniseka konke ukuthi amathuba ngeke aswele ngokunikezwa okunikezwa amapulatifomu ezezimali.
  2. Sebenzisa isimo seklayenti elisha, okukuhle kakhulu ekuthuthukiseni kakhulu izimo zenkontileka ozoyisayina, noma ngabe iziphakamiso ezinolaka kakhulu okuzoba nzima kakhulu ukuthi uzenqabe.
  3. Kufanele uhlaziye, ukuthi ngaphandle kokuthi ukunikezwa kwalezi zindlela ezihlukile zezimali kungaba mahhala, Izikhathi zokugcina ezimfushane onazo zokubuyisa kwakho, ngisho okudinga ukuthi uvale lo msebenzi ezinsukwini ezimbalwa.
  4. Inani ongalidinga ngalezi zinhlinzeko lincane kakhulu, futhi kungenzeka zingakusizi ukukhokhela izindleko eziphuthumayo kakhulu. Ngeke ukwazi ukubiza ngaphezu kwama-euro angama-300 ngaleli su lokuhweba.
  5. Zisebenza ngokukhethekile ukubhekana nezindleko eziphuthumayo, nokuthi abakwazi ukulinda isikhathi eside ukuze uyinikezwe. Ngokushintshanisa, yiqiniso, ngokukhokha inzalo ebiza kakhulu, futhi kwezinye izimo kungalingani.
  6. Kufanele ube ku isimo sezezimali sinyamalala ngokwanele ukuba sibhekele ukusebenza, noma ngabe zincane kangakanani lezi zimali mboleko eziku-inthanethi. Futhi nangezikhungo abazinikezayo ukuze babhalise.
  7. Ukukhushulwa okunikwe amandla emakethe akunakubalwa, noma kufanele ukhethe eyodwa kuphela leyo ivumelana nezidingo zakho zangempela, futhi nakuphrofayili yakho njengeklayenti.
  8. Futhi ekugcineni, khumbula, ukuthi ngokuvamile le mikhiqizo yezimali Ungazenza zibe semthethweni kuphela kusuka ku-inthanethi, ngokunethezeka ekhaya, noma emsebenzini. Futhi okubaluleke kakhulu, nganoma yisiphi isikhathi sosuku, ngisho nasebusuku noma ngezimpelasonto. Ngaphandle kokudinga ubukhona obukhona kunoma yiliphi ihhovisi ukusayina inkontileka

Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.

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