Ukunyamekela Abaqeshi Bakho, Impahla Yakho kunye Nezimali Zakho
3 Amacandelo okuLawula iMpahla yokuHlaba
Ngaphambi kokuba ukwazi ukukhetha isicwangciso esilungileyo kuwe, kufuneka uqonde zonke iinkalo ezahlukeneyo zendawo yokuqeshisa efuna ukulawulwa.
Iimbopheleleko zolawulo lomnini womhlaba zingaphulwa zibe ngamacandelo amathathu:
- Ukulawula abaqeshi
- Ukulawula Ukugcinwa Kwempahla kunye nokuHlola
- Ulawulo lweeMali
1. Ukulawula abaqeshi
Le nxalenye yolawulo lwepropati yezindlu zokuqeshisa ezona zichanekileyo kwaye zicacileyo. Nangona kunjalo, ukuba ngumnini-mpu melelo uquka okungaphezulu nje kokuqokelela irente. Kufuneka uphathe:
- Ukuqokelela kweRhafu : Ukubeka imihla efanelekileyo. Ukuqokelela irenti nganye ngeveki okanye ngenyanga. Ukusekwa kwemali yokugqibela kunye nexesha lobabalo. Ukujongana nerenti engakhokhelwa.
- Izivumelwano zokuqeshisa : Ukuqinisekisa ukuba uqeshiso luquka yonke imigaqo esemthethweni efunekayo ngumthetho womqeshi welizwe. Ukwenza isiqinisekiso sokuqeshisa sisisesikweni kunye nomgaqo-nkqubo osandul 'ukutsha. Ukulawula umhla wokuqeshisa kunye nomhla wokugqibela wabo bonke abaqeshi.
- Ukuqeshiswa kwesikhokelo : Isithuba sokuthengisa. Ukumisela ukuqeshwa. Ukuqinisekisa ulwazi malunga nezicelo. Unokwazi kwakhona ukuba ngabaqeshi abathile bafanelekile.
- Ukungena : Ukusayina izivumelwano zokuqeshisa. Ukuhamba kwemithetho, iimfuno kunye nemimiselo. Ukuqokelela ukugcinwa kwekhuseleko kunye nerenti yokuqala yenyanga. Ukuhamba nokuqwalasela imeko yangoku yeyunithi yerenti.
- Ukuphuma-kuphuma : Ukuqinisekisa ukuba ixesha lokuqeshisa liphela. Ukuhlolisisa imeko yeyunithi yokuqeshisa nayiphi na umonakalo . Ukuqala kwinkqubo yokufumana umqeshi omtsha kwihostela.
- Izikhalazo zokuqeshisa izikhalazo: Izikhalazo ezikhuphayo. Ukumisela isicwangciso semidlalo ukulungisa ingxaki.
- Ukulungisa izicelo : Ukuphendula izicelo ngokukhawuleza. Ukubaluleka kokubaluleka kokulungiswa. Ukwenza ukulungiswa ngokwakho okanye ukuqesha umntu ukuba akwenze.
- Ukuchithwa koqeshiso : Ukuthumela izaziso ezifunekayo ngokomthetho ngaphambi kokukhutshwa. Ukufakela ukukhishwa ngenkundla. Ukulungiselela ubungqina bakho obuxhasa isizathu sokukhutshwa.
2. UkuLawula ukuPhathwa kweMpahla kunye nokuHlola
Icandelo lesibini eliyinhloko lolawulo lwepropati yokuqeshisa yipropati ngokwayo. Isakhiwo sokwenyama sifanele sigcinwe kwimpilo nokhuseleko lwabaqeshi. Inkampani yakho ye-inshorensi inokufuna iindawo ezithile zesakhiwo, ezifana nophahla, ukuhlangabezana nemigangatho ethile okanye ziya kukwenzela ukuqinisekiswa kwepropati.
- Isondlo: Ukusika ingca. Ukuthatha amaqabunga. Ikhephu elimhlophe. Ukukhupha udoti. Ukugcina zonke iinkalo eziqhelekileyo zicocekile. Ukwenza ukuba abaqeshi bakwazi ukufikelela kumanzi ngamaxesha onke kunye nokushisa ebusika. Ukulungisa ukuvuza kwamaphahla, ukuvuza kwamanzi, iilisi eziqhekekileyo, izixhobo ezikhutshweyo, umnyango ophosakeleyo okanye iifestile.
- Uhlolo: Uya kufuneka uhlangabezane nokuhlolwa okuvela kwidolophu kwaye kwikhompyutha yakho kunye nekampani yomshuwalense. Ukuhlolwa kweedolophu kukuqinisekisa ukuba ipropati yakho ilandela iikhowudi ezithile zezempilo kunye nezokhuseleko. Inkampani eboleka imali kunye ne-inshurensi iphinda ihlole loo propati ukuqinisekisa ukuba ipropati ixabisa inani ababolekayo okanye inani abaxhomekeke kuyo.
3. Ukulawula iiMali
Inxalenye yesithathu yolawulo oya kujongana nayo xa ufumana indawo yokurenta ibandakanya imali. Kufuneka uqonde ukuba imali ezayo kwinyanga ngayiphi na imali ephuma ngayo.
- Iintlawulo zentlawulo: Uninzi kangakanani ukuqokelela kwirente ngenyanga.
- Ukuhlawulwa kwemali: Oko uhlawula inyanga nganye kwi-mortgage yakho.
- Ininshurensi: Uninzi kangakanani ukuhlawula ukuqinisekisa ipropati yakho.
- Imirhumo: Ziziphi iintlawulo zakho zepropati zonyaka.
- Izixhobo: Ukuba abaqeshi bangekho uxanduva lokuhlawula izibonelelo, ubuninzi bamanzi, igesi kunye neendleko zogesi nganye nyanga kwipropati.
- Imali / Iintlawulo: Imirhumo kufuneka uhlawule ukuhlolwa kwepropathi okanye iindleko zenkundla. Iintlawulo ezingalindelekanga kwimicimbi yokugcinwa kwipropati.
3 Amacandelo okuLawula iRhafu
Ngoku ukuba uqonda indawo ezahlukeneyo zepropati yokuqeshisa efuna ukulawulwa, unokwazi ukuba ufuna ukulawula le mimandla.
Kukho iindlela ezintathu eziphambili:
- Uyazi-Nakho Ulawulo
- Isiqingatha Zenzele Yakho / Isiqingatha se-Outsource
- Ulawulo lwe-Outsource ngokupheleleyo
1. Yenza-Yakho Ulawulo
Kule ndlela yokulawula, unembopheleleko yento yonke, ngoko ke, DIY. Nguwe oqokelela irenti, ikhefu elikhuphayo kunye nokufakela irhafu yakho.
Iinkonzo
- Ulawulo olupheleleyo: Njengomnini wepropati yendawo yokuhlala, ungumnini-shishini. Xa wenza konke oko, uyazi ukuba kwenzekani kuzo zonke iindawo zoshishino lakho.
- Ukwazi iingxaki ngokukhawuleza: Njengoko unesandla sakho kuzo zonke iindawo zokulawula, uyakwazi ukubona ngokukhawuleza xa kukho ingxaki. Ngelishwa, ngenxa yokuba ulawula zonke izinto kwipropati yakho, usengakwazi ukulungisa le ngxaki kwangoko.
Umxhasi
- Ukungabi nolwazi: akunakwenzeka ukuba yingcali kuyo yonke into. Ukuba uqeshe umgcini-mali ukuba ufake iirhafu zakho, kunokuba wenze oko ngokwakho, umgcini-akhawunti ungabamba iintlawulo ezininzi ongaziqondi. Ukuba ubuqeshwe igqwetha ukuba ulungiselele isivumelwano sakho sokuqeshisa, kunokuba ulungiselele ukuqeshisa kwakho, igqwetha lingaba libandakanye imithetho ethile yomqeshi womhlaba owakhuselekileyo. Ukuba ubuqeshe uchwepheshe ukuba ufake ukuphahla kwipropati yakho, endaweni yokufaka yona ngokwakho, akufanele ube nokujongana nokuvuza kwephahla.
- Ukugqithisa: Ukuba zonke izinto kubo bonke abantu banokuba nzima kakhulu. Ekubeni uthatha uxanduva kuyo yonke into, unokuba ulungele ukwenza iimpazamo.
Kulungile
- Abanikazi bezindlu kunye nenani elincinci lezindlu zokuqeshisa.
- Abanikazi bezindlu abanamashishini angaphambili.
- Abanikazi bezindlu kunye namava angaphambili ekulawuleni irente.
- Abanikazi bezindlu abafuna ukulawula.
2. Isiqingatha se-Do-It-Yourself / Half Outsource
Kule ndlela yokulawula ipropati yokuqashisa, ulawula indawo oziva unayo ubuchule kuyo kwaye uphumelele kwiindawo ongaziva ukhululekile okanye ungenalo umnqweno wokulawula.
- Imiba Yomthetho
Njengomzekelo, unokwenza isigqibo sokwenza uphumelele nayiphi na imiba yolawulo lwezindlu zokuqeshisa ezibandakanya imibandela yomthetho. Unokuziva ukhululekileyo ngokulawula iimali zepropati, ukugcinwa kwesikhalazo kwansuku zonke kunye nezikhalazo zesikhombisi, kodwa azikhathazi kakhulu xa kuziwa kwimicimbi esemthethweni. Kule meko, unokuqesha ummeli ukujongana nayiphi na imiba esemthethweni ephakamileyo. Oku kungabandakanya ukuqulunqa isivumelwano sakho sokuqeshisa ukwenzela ukuba sihambelane nayo yonke imithetho yomqeshi womnini welizwe kunye nokusingatha konke ukukhutshwa koqeshiso.
- Imiba yoLondolozo lwe-Outsource
Kule meko, uza kuqesha umphathi wesikhulu okanye isakhiwo somphathi ukuba ujongane nayo yonke imiba yesondlo, kodwa uya kuthatha zonke ezinye izibophelelo zolawulo.
Iinkonzo
- Ukhulula ixesha: Ukuba awukwenzi konke, uza kuba nexesha elide, ixesha. Indlela osebenzisa ngayo eli xesha lifike kuwe. Unokuxabisa ixesha elininzi kunye nosapho lwakho okanye ungasebenzisa eli xesha ukufumana amathuba otyalo-mali olongezelelweyo.
- Iingcali: Uyeka ukulawula kwabanye abanethemba abanolwazi ngaphezu kwakho kwindawo ethile.
Umxhasi
- Ukuxhomekeka kwabanye: Ubeka ithemba lakho ukuba aba bantu bayazi into abayenzayo kwaye banomdla wakho engqondweni.
Kulungile
- Abanikazi bezindlu kunye nenani elikhulayo lezindlu zokuqeshisa.
- Umnini wezindlu oqhelekileyo.
3. Ulawulo loLawulo olupheleleyo
Esi sicwangciso solawulo, ungumnikazi wepropati, kodwa unganqwenela ukuba ngumphathi wezandla. Uvakalelwa kukuba amandla akho asekukhethweni kwepropati, kungekhona ukulawula imisebenzi yansuku zonke. Uya kuqesha umphathi wepropathi okanye inkampani yolawulo lwepropathi. Iinkampani zolawulo lwepropati ziyakwazi ukuphatha yonke into kubandakanywa, ukucoca, ukunyathela, ukuqokelela irente, ukugcinwa nokulungiswa, ukukhishwa kwendawo yokuhlala kunye nokukhishwa kwendawo.
Iinkonzo
- Inkululeko kwiiNtloko zeNtsuku zonke: Awuyi kuba neefowuni zeefowuni kwimizuzu emibini ukuba ummelwane olandelayo udlala umculo wabo ngokukhawuleza. Uya kuba noxanduva lobuncinane, kodwa izigqibo ozijongene nazo ziya kubakho izigqibo ezibalulekileyo, ezifana nokunika i-OK ukuqala ukukhishwa kwabasebenzi.
Umxhasi
- Iindleko: Abaphathi bepropati baya kudla amawaka amawaka eedola ngonyaka. Iinqununu ezingaphezulu zokuqeshisa onakho, ziya kuba neendleko ngaphezulu.
- Ukuphathwa kakubi kunokutshabalalisa ishishini lakho: Ubeka ibhishini lakho kwaye, ngoko, impilo yakho, kwisandla somnye umntu. Kuya kuba nzima kakhulu ukufumana umntu okhathalele impumelelo yakho kunye nokungaphumeleli kangako. Kumele uqinisekise ukuba ucocele kakuhle nawaphi na abaphathi abafanelekileyo kwaye ube nesicwangciso esicacileyo sokuphuma xa izinto zihamba kakubi.
Kulungile
- Abanikazi bezindlu abahlala kude neendleko zabo.
- Abanikazi bezindlu kunye nenani elikhulu lezindlu zokurenta.
- Abatyalimi bezindlu kunye neentlobo ezityalomali-mali.