Ukuhlehliswa kwezinkokhelo ngamakhadi akho

ukuhlehliswa kwezinkokhelo ngamakhadi

Izinga lakho eliphezulu lesikweletu, noma ukwehliswa komholo wakho kungaholela ekubeni ube nobunzima obuningi kunokujwayelekile ukufinyelela ekupheleni kwenyanga. Kuzofanele ukhokhe izikweletu ezinkulu zasendlini (umakhalekhukhwini, amanzi, ugesi, njll.), Uthobele izibopho zakho zentela, noma ubhekane nezindleko ezingalindelekile ezivela kuzo zonke izimo. Kungaleso sikhathi lapho-ke okuningi kuzokubiza ukuthi uthathe ubuhlobo bakho nokusetshenziswa. Ukuthenga esitolo, thenga leyo modeli yakamuva yamajini owathandile kakhulu, noma esinye isifiso ofuna ukuzinika sona.

Kulezi zimo, ungasebenzisa noma yimaphi amakhredithi agunyazwe lo mcimbi ngamabhange amakhulu. Nokho, ngokuqinisekile bazofuna imibandela eminingi: umsebenzi ozinzile, ukudonswa kwemali ngqo kwabasebenzi, kanye nokuxhumana okukhulu nebhizinisi. Ngaphezu kwalokho, izimo zabo zenkontileka zizodinga izindleko zezomnotho okungenzeka ukuthi ngeke uzicabange, ngendlela yamanani aphezulu wenzalo, amakhomishini aphezulu kakhulu, noma imali ekhokhwa nyangazonke engashintshiwe kubhajethi yakho yasekhaya. Mhlawumbe awukho, noma umane nje awukwazi, ukuqasha lezi ziteshi ezibanzi zezimali. Yini ongayenza?

Ukuze ungadeli ikhwalithi yakho yempilo, ngeke ube nenye indlela ngaphandle kokufuna eminye imithombo yezezimali evuna izintshisekelo zakho. Futhi kusukela kulesi simo esikhetheke kakhulu, amakhadi avumela ukuhlehliswa kokuthengiwe kwakho okuyinhloko kungaba yisixazululo esithile sale nkinga emnothweni wakho wasekhaya. Kepha qaphela kakhulu, akuzona zonke izinzuzo futhi kulula ukuthi uhlaziye izinzuzo zazo ukunquma ukuthi kufanele uzisebenzise noma cha.

Ziziphi izici zayo?

Amakhadi avumela ukuhlehliswa kokuthengiwe kwakho aklanywe ngaphansi kwamafomethi ahlukaniswe ngokufanele, futhi ahlukile kwamanye amapulasitiki ajwayelekile. Ukusebenza kwayo okuyisisekelo ukuthi kuzokuvumela ukuthi uthenge izingubo zakho, amaselula noma izesekeli ngaphansi kohlelo lwesikweletu, ezinyangeni ezimbalwa. Ukuze ukwazi ukuyikhokha kancane kancane, ikakhulukazi awukwazi ukubhekana nokusebenza nganoma yisiphi isizathu. Ukusuka lapha, kuvulwa uchungechunge lwamathuba okufanele uwazi, ngoba noma amanye awo angasiza kakhulu ezintweni ozithandayo njengomthengi.

Inzuzo enkulu yokusetshenziswa kwayo ukuthi ungahlukanisa noma yiluphi uhlobo lokuthenga kusuka cishe kuma-euro angama-50. Futhi ezinyangeni ezingaki? Kuzoncika kumodeli ekhethiwe, ngoba akubona bonke abafaka izinsuku zokugcina. Ungabakhetha ngokudluliselwa okuguquguqukayo kakhulu, okungu-1, 6, kuze kufike ezinyangeni eziyi-12 kunomkhawulo omkhulu kuleli banga lezimali zabathengi. Futhi ngokususelwa kuzo, hlela izindleko zenyanga yonke.

Kepha ngeke kube ukusebenza mahhala, ngoba kuzofaka izindleko ezimelwe ngamanani wenzalo lapho izinhlangano ezikhipha lawa makhadi zizosebenza kuwe. Izomela malini? Babheka amamajini ahamba phakathi kuka-11% no-14%. Futhi ukuthi kunoma yikuphi, futhi ngokungafani nezinye izikweletu zendabuko, azibandakanyi amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Kuzoba ukutholakala kwezindleko zokuqala ngenkontileka yalo mkhiqizo webhange.

Ngokuhlehlisa nangaphandle kwenzalo

Anjani amakhadi anokudluliselwa kwemali emakhadini?

Kunoma ikuphi, ngaleli su lokuhweba ekukhokheni okuthengile ungakufinyelela lokho Uthuthukisa ukusebenza ngaphandle kwenzalo, okungukuthi, ku-0%, futhi ngaphandle kwezindleko zomnotho ezithakazelweni zakho. Ukufeza le njongo, kuzofanele ubheke kuphela lawo makhadi asebenzise lolu hlelo lokukhokha oluhlehlisiwe, futhi alusizo kuwe. Futhi lapho kuzodingeka ubuyise kuphela amanani asetshenzisiwe kwizitolimende ezihambelana nawo zenyanga, kulokhu okunikezwa ngamagama amafushane, imvamisa phakathi kwenyanga eyodwa kuya kwezi-1, yize zinganwetshwa kumamodeli athile epulasitiki.

Kodwa-ke, ezimweni eziningi zingamakhadi axhumene nebhizinisi, noma uphawu lokuhweba, ngenhloso kuphela ye- yakha ukwethembeka njengekhasimende. Futhi enikeza iziqinisekiso zayo ezinhle kakhulu, futhi ngokungangabazeki lokhu kungenye yazo. Noma yikuphi ukuthenga okwenzayo ngaphansi kohlelo lokuhlehlisa ukukhokha ngeke kuhilele noma yiziphi izindleko ezingeziwe. Inzuzo enkulu yale modeli yenkontileka ukuthi izinga lakho lesikweletu ngeke lihlupheke nganoma iyiphi indlela, futhi ngeke liphinde lithuthukiswe ukuthenga okwenzayo kusukela manje kuqhubeke. Ngaphezu kwalokho, kuzokusiza ukuthi ulungise isabelomali senyanga yonke.

Imodeli ejwayelekile kuleli banga lamakhadi wesikweletu Kuthuthukiswa ngaphansi kwamafomethi abizwa ngokuthi "ngaphandle", okusho ukuthi ngaphandle kwenzalo, futhi lokho kukhiqiza izinkokhelo zokuthengiwe ezinyangeni ezi-3, ngamanani aphakathi kwama-50 kuya ku-2.000 3 euros. Amabhange amaningi afaka imodeli yepulasitiki yalezi zici, kanye namanye amakhadi axhumene nezikhungo ezinkulu zokuthenga ezweni. Kepha kuzoba lula kuwe ukuthi ufunde inkontileka ngokusetshenziswa kwayo, ngoba ingafaka ikhomishini eyodwa yezindleko zokuphatha, yize kungenani elifuna ngokweqile, cishe ama-euro ama-XNUMX.

Ngemikhawulo ebanzi kakhulu

Izikhathi zokugcina zokubuya kwayo kungenzeka zingakukholisi ngokugcwele, futhi udinga ukuzelula ukuze zihambisane nesimo sakho sezezimali. Uma lokhu kuyindaba yakho, Ungakhetha amanye amafomethi akhulisa izikhathi zokubuyisa imali ebolekwe kuze kube ngaphezulu kwezinyanga eziyi-12. Kepha ngaphandle kwezinzuzo zeziphakamiso zangaphambilini, ngoba nakanjani zizosebenzisa isilinganiso senzalo sonyaka esingaphezulu kuka-10%, esizongezwa embuyisweni. Kungaba ngaphezu kwe-15% kumakhadi abanzi kakhulu emakethe.

Kunoma ikuphi, lesi sigaba samapulasitiki siphethe umugqa wesikweletu unomphela ongafinyelela kuma-euro ayizi-6.000. Futhi lokho kungasetshenziswa, ukwenza ukuthenga kwakho kube semthethweni, nokukhipha imali kuma-ATM. Nokuthi ibuyiselwa njengoba uyihlela ngokuya ngohlelo lokukhokha olunikezwe ngumnikezeli walo mkhiqizo wasebhange.

Izaphulelo ekuthengeni

izaphulelo kumakhadi

Hhayi kuphela ukuhlehliswa kokuthengwa okungatholakala ngale ndlela yokukhokha. Kukulungele ukuthi uzazise ngezimo zayo ngaphambi kokuthola ikhadi, ngoba ezinye zazo zifaka phakathi kwezinzuzo zayo, inketho yokuthola amabhonasi ngokuthenga, amaphesenti aphansi angafika ku-5% kumamodeli wepulasitiki anolaka kakhulu. Imvamisa amasu wokuhweba lawa axhumene nomkhiqizo wezentengiso, bese uzama ukungayi emncintiswaneni njengesici sokukholisa.

Kuzoba esinye isikhuthazo esingeziwe ukuze ukwazi ukuqukatha izindleko ezitholwe kulokho okuthengile, kepha kulokhu ngenkuthazo ekhangayo yokukhuthaza ukonga ngale misebenzi ekhadini lakho lesikweletu. Ukuba lusizo kakhulu kubasebenzisi abasebenzisa le ndlela yokukhokha kaningi, njengoba kungenzeka kube kuwe. Futhi lokho kungathinta okokugqoka, amathoyizi, izinto zobuchwepheshe, izesekeli, ngisho imikhiqizo yomsebenzi wabavakashi (amathikithi ezokuthutha, ukubhuka kwegumbi lehhotela, ukuqashwa kwezimoto, amaphakheji eholide, njll.).

Kuzofanele ubheke kuphela izitolo noma izikhungo ezinamathiselwe kulezi zinhlelo zokwethembeka. Kuningi okukhona, ungakhohlwa. Futhi kuzodingeka ukuthi uthole kuphela lezo ezifreyimuwe kuphrofayela yakho njengomthengi. Ngokuqapha okukhulu komkhiqizo wakho, uzokwazi ukufinyelela kakhulu ekunikezweni kwakho nasekukhushulweni, njengenhloso yokugcina yecebo lakho lokuhweba.

Amathiphu amahle kakhulu wokuqasha la makhadi

Ungayikhetha kanjani ikhadi lokukhokha elihlehliswe kangcono?

Lesi sigaba samafomethi ngezindlela zokukhokha ngokuhlehlisa izinkokhelo okukhulunywe ngazo kulolu lwazi simele isixazululo ezinkingeni zezimali ezibhekene nengxenye enkulu yabasebenzisi baseSpain. Futhi esikhundleni sokubhalisela umzila ojwayelekile wezezimali, banendlela yokuyithola ngokushesha, futhi ngaphandle kokunikezwa ngaphambilini. Ukuba ngumnikazi welinye lala makhadi uzoba nemali edingekayo cishe ngaso leso sikhathi. Futhi ngezixazululo ezinhle kakhulu, nangohlobo oluhlukile kuwo wonke umuntu.

Yize kungeke kulimaze ukuthi abasebenzisi baya ochungechungeni lwamathiphu azosiza kakhulu ekuphathweni nasekugcinweni kwale mikhiqizo yasebhange. Futhi zizosebenza ngokulinganayo ngomzuzu oqondile zisetshenziswe kahle. Phakathi kwalezi zeluleko ezilandelayo zivelele.


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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.