Abanini bempahla ababi kufuneka baqaphele
1. Ingxaki Abaqashi
Unokuba ngumqashi ongeyena ophulaphula nayiphi na imigaqo yokuqeshisa, kodwa uqhuba ukuphosa.
Njalo xa kuqeshiswa ukuqeshisa ukuvuselela, unethemba lokubona isaziso esivela kumqeshi esichazela ukuba baya kuhamba.
Aba ngabaqeshi abakhalazayo malunga nento yonke kwaye bafuna ukuba ulahle yonke into oyenzayo ukulungisa umcimbi wabo ophuthumayo. Imiba yabo ephuthumayo ngokuqhelekileyo iimeko ezincinci okanye azikho.
Ukukhutshwa ngokuzithandela akuvumelekanga. Ngoko nje ngokuba umqeshi ehlawula irenti yakhe kwaye elandela imigqaliselo yokuqeshisa kwabo, uya kufuneka ubenze ukujongana nabo de bazimisele ukuhamba.
2. Ukunyamekela ukugcinwa kweCandelo
Enye into embi eyenzekayo xa umqeshi ehlala kwindawo yokuqashisa kukuba kunzima ukuvavanya imeko yeyunithi yabo yokuqeshisa. Xa umqeshi ephuma, kufuneka uguqule indlu. Unokwenza uluhlu lweyiphi na umonakalo kunye nokubuyisela izinto njengoko kuyimfuneko. Ungalungisa umonakalo ophantsi kunye nokwenza ukulungiswa kumalungiselelo okucwangcisa amanzi ukuze uthintele imiba emincinci ekuphendukeni ibe yinto enkulu.
Xa umqeshi ehlala kwiyunithi yokuqeshisa, ingakumbi iminyaka emininzi, ukuba umnini-mhlaba akasali isikhalazo malunga nombandela, awuyi kuqonda ingxaki ize ibe yinto enkulu. Imiba emincinci, njengemibhobho embalwa ekhoyo ephahlayo, ekwazi ukulungiswa ngokulula, iya kuba ziingxaki ezinkulu, ezifana nokuvuza okuphahleni.
3. Ukunciphisa iRhafu yokuNyuka
Eminye imimiselo yendawo yokubeka malunga nokuba unako ukwandisa isaphulo somqeshi ngoku. Ngoko ke, ukuba unomqeshi ohlala ehlaziya umhlala-mali wabo unyaka emva konyaka, banokuhlawula ngaphantsi kwerenti ekhoyo yehorensi .
Kule meko, into yokuba umqeshi uhlala kwindawo yokurenta ingenokukulimaza ngemali. Ukuba umqeshi uhamba, uya kuba nako ukutshintsha ireyithi yenyanga ephezulu yeyunithi uze ufake imali engaphezulu kwipokoth yakho.
Ukuze ukwandise isaphulo somqeshi, kufuneka uqinisekise ukuba ulandela imithetho yomqeshi womnini-mhlaba ukwenza njalo. Ngokuqhelekileyo kufuneka uxelele umqeshi ngokubhaliweyo ngaphambi kokuba ukwandise irente. Kananjalo ungathumela le saziso ngamaxesha athile, njengeentsuku ezingama-30 phambi kokuba kuqeshwe ukuqeshiswa kwabo.
Ukuba umnini-mali ungumqeshi ohlala ehlawula irenti yakhe ngexesha kwaye engalokothi akhononde, unokuba uzimisele ukufumana isaphulelo esincinane ngenxa yokwesaba okungaziwa. Awazi ukuba ungalindela ntoni kumqeshi omtsha. Bangase bayeke ukuhlawula irente okanye bangaphula eminye imiqathango yokuqeshisa.
4. Umqeshi owenqatshiwe esuka kwezinye iindwendwe
Umqashi angavuselela ukuqeshisa kwabo ngenxa yokukhishwa kwangoku kwimeko enokuba awunayo. Lo mbandela wawuza kuba lula ukuba umnini-mhlaba omtsha wenza uvavanyo oluyisiseko kumqeshi.
Oku kungabikho ukulahlekelwa ngumsebenzi, ukuhla kwe-credit score, okanye ukugwetywa komthetho.
Ekubeni abanikazi bezindlu abaqhelekanga ngokutsha kwakhona abaqeshi bamanje ngokuvuselela ukuqeshisa, awuyi kuqonda ngokupheleleyo ukuba lo mqeshi angaba yingxaki kwikusasa elikufutshane. Nangona bahlala behlawula irente zabo ngexesha, ngenxa yokulahleka kwemisebenzi okanye iibhilidi zezokwelapha ezibabeka kwiityala, bangase baqale ukuhlawula irenti yabo emva kwexesha, kwaye ke akunjalo. Ngeke nje uqokelele irenti, kodwa uya kufuneka uhambe nangona inkqubo yokukhuphela ixesha elide ukuyikhupha .
Nangona awuyi kuhamba kwinkqubo yakho yokucoca rhoqo xa umqeshi evuselela ukuqeshisa, kuyilungileyo ukuba ubuncinane baqhube ikhredithi kwakhona. Unokuthelekisa le ngxelo yengxelo yemboleko kwingxelo oyifumene xa umqeshi eqala ukungena.
Uyakufuna ukubona ukuba ngaba amanqaku abo okuthenga ngetyala ayenqatshelwe okanye ngaba ngokukhawuleza banomthamo omkhulu.
5. Kwangathi iMithetho iLawula iSilayidi
Xa unomqeshi wexesha elide, ukhululekile ngakumbi kunye nabo kwaye ungaqala ukuvumela imithetho idibene. Ngokomzekelo, usenokuba uhlawule umrhumo wokugqibela emva kokuqeshisa kwabo, kodwa usenokuba uqale ukukhishwa loo mali ngoku kutshanje. Emva kokuba ulungele imithetho, kuya kuba nzima ukunyanzelisa le mithetho kwixesha elizayo.
Ukuba awuwulandeli umthetho, ukuba unenkathazo nomqeshi kwixesha elizayo, uya kulahlekelwa nayiphi na imeko malunga nomqeshi enkundleni. Kungaba nzima, kodwa kufuneka ulondoloze ubudlelwane bomnini-mhlaba nabaqashi, kungakhathaliseki ukuba baqeshwe kangakanani kuwe.