Wake wazibuza ukuthi yini umehluko phakathi kwamakhredithi nemalimboleko? Uma ungomunye wabantu abasebenzisa imiqondo emibili ngokulinganayo, ngabe wenza iphutha ngoba izikweletu nokubolekwa kwemali awafani ncamashi. Yize ngokuvamile sisebenzisa igama elithi isikweletu njengegama elifanayo lemalimboleko, empeleni isikweletu siyinkulumo ebanzi kakhulu ngoba ingahlanganisa eminye imiqondo efana namakhredithi, izimalimboleko zomuntu siqu, izimalimboleko zabathengi, izimalimboleko zezindlu kanye namakhadi wesikweletu.
Ngaphandle kwalokhu, "Isikweletu" kanye "nemalimboleko" Angamagama amabili esivame ukuwabheka njengamazwi afanayo, nokuthi asebenza ngolimi oludumile nolusetshenziswa njalo.
Izikweletu zingahlukaniswa kabili: isikweletu nokubolekwa kwemali, neminye imibono emibili ingavela kwizimalimboleko: okomuntu siqu nobambiso. Ake siqhubeke nokuhlola umehluko phakathi kwemali mboleko nekhredithi, kanye nezindlela okusetshenziswa ngayo ngakunye.
Yini imali mboleko yezimali?
Imalimboleko ingukusebenza kwezezimali lapho umuntu noma inhlangano ebizwa ngokuthi umbolekisi inika omunye, obizwa ngokuthi obolekayo, inani lemali elinqunyelwe. Lesi samba semali, esisezingeni elinqunyelwe phakathi kwezinhlangothi zombili, yiso esakha imalimboleko uqobo lwayo.
Ngokusobala, umbolekisi akahlukani nemali yakho ngaphandle kwesizathu. Futhi lokhu ukuthi, ngenkontileka yemalimboleko, obolekayo uyavuma ukubuyisa imali ebolekwe kanye nezintshisekelo okuvunyelwene ngazo ngemuva kwesikhathi esithile, ake sithi ngokwesibonelo unyaka nohhafu.
Ukukhokhwa kwemali mboleko kwaziwa ngokuthi ukwehliswa kwemali, futhi kwenzeka, ngokujwayelekile, ngezitolimende ezijwayelekile: njalo ngekota, ngenyanga, semi-ngonyaka, noma kunoma isiphi isikhathi esisifunayo, phakathi nesikhathi esinqunyiwe. Ngakho-ke, wonke umsebenzi wokubolekwa kwemali unokuphila okunqunyelwe ngaphambili. Endabeni esiyibeke ngaphambili, yonke imali izobuyiselwa ezinyangeni eziyishumi nesishiyagalombili, noma ngabe yiziphi izitolimende nobuningi bazo.
Enye ye Izici eziyinhloko zemalimboleko ingabe leyo nzalo iyakhokhiswa, ngaso sonke isikhathi, enanini eliphelele elibolekwe.
Imalimboleko ijwayele ukwenziwa ukukhokhela ukutholakala kwensizakalo ethile noma okuhle.
Yiziphi izikweletu?
Isikweletu yinani lemali, elinomkhawulo obekiwe, elenziwa yibhange noma isikhungo sezezikweletu kumakhasimende. Lokhu ngeke kuthole inani eliphelele ngasikhathi sinye, njengasendabeni yemalimboleko, ekuqaleni kokusebenza, kepha, kunalokho, izokwazi ukuyilahla ngokuya ngezidingo zayo ngaso sonke isikhathi, imvamisa ngokusebenzisa ikhadi lesikweletu noma i-akhawunti.
Ngakho konke lokhu, sifuna ukusho ukuthi ibhizinisi lizokwenza ukulethwa okuyingxenye yaleyo mali enikezwe iklayenti ngesicelo sayo. Iklayenti lingafuna ukuba nakho konke imali enikezwe yibhange, kepha ingafuna ingxenye yayo kuphela, noma ingafuni lutho nhlobo. Inzuzo enkulu ngakho-ke ukuguquguquka. Lokhu kusinikeza amandla okubhekana, ngokwesibonelo, nezinkokhelo ezingalindelekile.
Futhi, iklayenti lizokhokha inzalo yemali kuphela ukuthi ufune ngempumelelo, yize ikhomishini ikhokhiswa ibhalansi ongayilahlanga. Ngakho-ke, njengoba imali enikezwe bona ibuyiselwa, iklayenti lizokwazi ukuba nokuningi, njalo ngaphandle kokweqa umkhawulo okuvunyelwene ngawo.
Njengemali mboleko, izikweletu zinikezwa isikhathi esithile, kepha ngokungafani nenye indlela, ekugcineni kwesikhathi ingavuselelwa noma inwetshwe ngokuya ngezidingo zomuntu ngamunye. Ngale ndlela, amakhredithi yimodi efaneleke kakhulu ukuvala igebe phakathi kokuqoqwa nokukhokhwa kwezinkampani zezezimali. Zisetshenziswa kabanzi, ikakhulukazi ngama-SME, futhi kunezindlela ezahlukahlukene, ezinjengemalimboleko ene-dicom.
Ukukhishwa kwemali okuhlukile kumakhredithi nokubolekwa kwemali
Isikweletu sihlotshaniswa ne- ukuhlola i-akhawunti, nemali okuvunyelwene ngayo etholakalayo. Kule akhawunti yokuhlola kungenzeka ukukhipha noma ukufaka imali, ukuze ibhalansi yayo ibe okweletwayo noma okweletayo (esivuna noma esiphikisana nayo).
Emalimboleko, ibhange lisishiyela inani, elifaka i-akhawunti yethu futhi sinalo ngokugcwele, kepha isikweletu siguquguquka kalula ngoba ukuhlinzekwa kwezimali nokubuyiselwa kwazo kungokubona kwethu.
Ukuze, ukuhamba kwemali lapho izikweletu nemalimboleko okumele ziphendule kuzo kwehlukile ngokulandelana.
Umehluko wesikhathi phakathi kwamakhredithi nokubolekwa kwemali
El isikweletu sihlala isikhashana, imvamisa ingaphansi konyaka, noma kunjalo imalimboleko yomuntu siqu iba nesikhathi eside esiphakathi kwezinkokhelo zenyanga ezingama-24 nezingama-60. Vele, kumalimboleko wempahla, isikhathi singafinyelela eminyakeni engamashumi amathathu noma amashumi amane.
Ngakho-ke ubude besikhathi bungaba usizo ekuhlukaniseni phakathi kwamakhredithi nokubolekwa kwemali.
Omunye umehluko obalulekile phakathi kwe- izikweletu nokubolekwa kwemali yindlela inzalo ebalwa ngayo. Ukubalwa kwenzalo kwehlukile, ukuze kwimalimboleko zibalwe ekuqaleni bese zengezwa kwizitolimende esizikhokhayo. Ngokwengxenye yayo, esimweni sesikweletu, zizobalwa ngokususelwa kunkokhelo yemali esiyenzayo, yize kufanele futhi kwaziwe ukuthi kule misebenzi amabhange asikhokhisa imali encane, ngemali enkulu engakatholwa.
Inzalo esimweni sesikweletu imvamisa iphakeme kunaleyo yemalimboleko, kepha njengoba kushiwo ngaphambili, sizokhokhela kuphela inani esilisebenzisayo empeleni.
Ukusetshenziswa okuhle kwamakhredithi nokubolekwa kwemali
Isikweletu siyindlela ephelele Ukumboza izimo zesikweleti zesikhashana, basishiyela imali ngesikhathi lapho singekho khona, kepha kulindeleke ukuthi lokhu kuzoshintsha ngesikhathi esifushane, ukuze ukukhanselwa okuphelele kuvunyelwe ngasikhathi sinye, ngaphandle kwesijeziso . Lolu hlobo lokusebenza lukhonjisiwe ezinkampanini, kochwepheshe noma ekuphathweni komphakathi, ngokuhamba kwemali, ukugeleza kwemali eguquguqukayo.
Imalimboleko ifaneleka kakhulu kubantu abanemali engaguquki, labo okulula ukuthi bavumelane ngezitolimende zanyanga zonke abangabhekana nazo ngaphandle kwezinkinga ezinkulu.
Kanye no izikweletu zendabuko kanye nemalimboleko Sithole emakethe umkhiqizo omusha, owaziwa ngokuthi yi-loan noma i-treasury credit, okuthi, okuyinqubomgomo yezikweletu futhi isebenze njengayo, evumela ukwenziwa kwezinkokhelo zanyanga zonke, emalini okuvunyelwane ngayo ngaphambilini, okuvumela ukuthi lapho ukuphela inqubomgomo, Lapho sekuqediwe, imali esalile ingaphansi ngakho-ke kulula ukuyibuyisa.
Isikweletu esingcono noma ukudonswa kwemali kangcono?
Kunokwehluka okubaluleke kakhulu uma kukhulunywa ngokukhetha ikhadi, ngoba kulezi zinsuku izinkokhelo azenziwanga ngokheshi nje kuphela njengoba kwakwenzeka esikhathini esidlule, namhlanje sine inketho yemali ye-elekthronikhi, futhi ngalokhu kuza ubunzima obuthile nokungabaza okuvela kwezinye izindlela ezahlukahlukene esinazo, njengokuthi ngabe ikhadi lesikweletu noma ikhadi lasebhange lingcono.
Kumakhadi asebhange, inkokhelo yamukelwa kuphela uma njengamanje unebhalansi ku-akhawunti yakho ehambisanayo, ngamafuphi, awukwazi ukusebenzisa imali engaphezu kwaleyo onayo. Futhi, ezimweni ezikweletwayo akudingeki ukuthi ube nemali ngaleso sikhathi, kepha ibhange liyayithuthukisa imali lifike kumkhawulo wanyanga zonke futhi likuvumela ukuthi ukhokhe inani elinqwabelene lenyanga ngayinye noma ulihlehlise ezinyangeni ezimbalwa kepha inzalo ephezulu.
Uma ukhetha ukuhlehlisa ukukhokha izinyanga ezimbalwa Kumele ubheke ukuthi uma amakhadi wesikweletu engalawulwa angaba yingozi, ngoba kufanele ukhokhe imali lapho ifinyelela ku-akhawunti yakho. Uma ungahlangabezani nezinkokhelo zakho, ungaqhubeka nokuba sezikweletini isikhathi eside, futhi kungaba nzima kakhulu ukuphuma esikweletini.
Uma ukhetha ukukhokha ekupheleni kwenyanga, ikhadi lakho lesikweletu Isebenza njengekhadi lasebhange kepha ngenzuzo yokuthi yemukela ukuthengiselana okungamukelwa ngekhadi lasebhange. Isibonelo, uma kufanele uqashe imoto udinga ukusebenzisa ikhadi lesikweletu.
Mhlawumbe inketho engcono kakhulu ukuba ne- ikhadi lasebhange nekhadi lesikweletu lapho uzibekele khona umkhawulo ngokwalokho ongakhokha ngaphandle kwezinkinga ekupheleni kwenyanga.
Ngakho-ke khumbula ukuthi ekugcineni unquma ukuthi yini ekufanele kakhulu okwamanje, khumbula izinzuzo umuntu ngamunye akunikeza zona. uhlobo lwekhadi Futhi qaphela ukuthi uma uzoba nekhadi lasebhange futhi ungazilawuli izindleko zakho, ungahlala usezikweletini isikhathi eside, futhi ukhumbule ukuthi ngekhadi lasebhange ngeke ukwazi ukukhokha lapho kuyadingeka ukuthi unikeze imininingwane yekhadi lakho lesikweletu.
Leli phuzu lombuzo Isikweletu esingcono noma ukudonswa kwemali kangcono? Sengivele ngicatshangelwe kakhulu futhi ngilawulwa. Ngisebenzisa imali edonswayo kuphela ukugwema ukufaka ama-akhawunti amakhulu, kusenabantu abaningi abalalela inkulumo-ze yasebhange ethi: "Yithathe ukhokhe izitolimende ezinde nezintofontofo zenyanga ...", abangakusho ukuthi lapho bekhokha isikhathi eside, kuzodingeka ukhokhe inzalo ethe xaxa.
Thenga ngokulawula, thenga ngekhadi lakho lasebhange.