Iindleko Zokunciphisa Ukulahlekelwa
Emva kokulahlekelwa ngumzimba, umnini-mgaqo-nkqubo unokubambezela ukunciphisa ukulahleka kwemali engenayo ngokufaka ezinye iindleko ukugcina ibhizinisi lihamba. Ngokomzekelo, isakhiwo esiqeshwe ngumthengisi wezimoto sonakaliswe yinkohliso.
Isakhiwo asinakusetyenziswa kwiinyanga ezimbini. Ukugcina ishishini eliqhuba umthengisi lihlawula indawo yesikhashana. Umshuwalense uya kuhlawula iindleko zokuqeshisa ezongezelelweyo kwinqanaba lokunciphisa ukulahlekelwa kweengeniso.
Ngokomzekelo, kuthengisa ukuba umthengisi uchitha i-R10 000 ngeenyanga ezimbini zerenti kwindawo yesikhashana. Ibhizinesi ilahlekelwa ngama-$ 500,000 kwingeniso malunga neenyanga ezimbini ngenxa yomonakalo we-sinkhole. Ukuba umthengisi wayengakhange aqeshe indawo yesikhashana ukulahleka kwakhe ngeniso bekuyi-$ 1 yezigidi. Umshuwalense akayi kuhlawula ngaphezu kwe-1 million yezigidi ukulahlekelwa ngokwenene kwengeniso kunye neendleko zokuqeshisa indawo yesikhashana. Iindleko zeedola ezili-10 000 kufuneka zifakwe kwixabiso lentlawulo kunye ne-$ 500,000 yokulahlekelwa kwemali engenayo ayiyi kudlula i-R1 million yezigidi.
KwiGunya loLuntu
Ibhizinisi lakho lingahle lilahlekelwe ngeniso xa igunya lolawulo lombango lithintela ukufikelela kwindawo yakho ngenxa yokulahleka ngokwenyama kwindawo ekukuyo kwishishini lakho.
Umzekelo, umlilo uphuma kwisakhiwo esiseduze nesakhiwo sakho. Isakhiwo sonakaliswe kakubi kangangokuba kufuneka sichithwe. Isebe lePolisa livale isitrato sakho ngexesha lokubhubhisa ukukhusela uluntu. Ukuba ukuvalwa kwesitrato kukubangela ukuba ulahlekelwe yimali engenayo, kufuneka ifunyanwe yiGunya loLuntu.
Oku kulandelayo kuchazwe kule nqaku .
Izakhiwo ezintsha kunye neenguqulelo
Mhlawumbi uthatha isigqibo sokulungisa isakhiwo sakho esele sikhona okanye ukwengeza isakhiwo esitsha kwindawo yakho yangoku. Ukuba isakhiwo esitsha okanye ukulungiswa kwakho kubonakaliswe ngengozi ekhuselekileyo, kubangela ukumiswa kwebhizinisi lakho, unokufumana ukulahlekelwa kwemali engenayo. Ilahleko ezinjalo zokufumana ingeniso zizenzeke ngokuzenzekelayo phantsi kweefom ezininzi zengeniso.
Iindawo ezintsha
Ubume bemivuzo yezo shishino ibonelela ngokukhawulelana (mhlawumbi i-$ 100,000) kwindawo oyifumana ngayo ngexesha lomgaqo-nkqubo. Le nkonzo ibandakanya ixesha elifutshane, elinokuba luncinane kangangeentsuku ezingama-30.
Ingeniso yezoNyango
Masithi ukuba umthengisi wezithuthi (kumzekelo wangaphambili) ubuyele kwindawo yaso esigxina. Ngaba iya kuphinda iqale ukuvelisa inani elifanayo lemali engenayo ngaphambi kokuba le sinkhole yenzeke? Impendulo ingaba yikho. Abanye abathengi banokuthi baye bawachazela kumashishini. Ukuphinda kwakhiwe isiseko sabathengi kunokuthatha ixesha. Okuvuyisayo kukuba, ezininzi iifom zengeniso yezo shishino zibandakanya i-coverage ebizwa ngokuba yiNgeniso yeNtengiso ebanzi. Le nkcazo ijoliswe ukufihla ingeniso kweshishini elishiya emva kokuba imisebenzi yalo ibuyele emva kokulahlekelwa ngumzimba.
Ukwenziwa kweNkcazo yeNzuzo yeShishino ngokuqhelekileyo kuqala xa ipropathi ilungiswa kwaye imisebenzi yakho yezoshishino iyaqalisa kwakhona.
Ubuninzi buphela ngexesha elichaziweyo (njengeentsuku ezingama-60) okanye xa ingeniso yakho ifinyelela kwinqanaba layo langaphambi kokulahlekelwa, nawuphi na ozayo ngokukhawuleza.
Le ngxelo iza kusebenza kwilahleko yexabiso lokurenta. Ngokomzekelo, isakhiwo sendawo yokuhlala sonakaliswe ngumlilo kwaye abaqeshi baphoqeleka ukuba bahambe. Isiqingatha sazo sabuya emva kokuba isakhiwo silungiswe. I-inshorensi yakho yengeniso yoshishino iya kuhlawula ixabiso lokuqashisa o lahleka ngexesha elichaziweyo okanye de ixabiso lakho lokuqashisela libuyele kwizinto eziqhelekileyo, nokuba yiyiphi into ezayo kuqala.
Ukuphazamiseka kweeKompyuta
Amashishini amaninzi asebenzisa idatha yecomputer kwimisebenzi yabo yemihla ngemihla. Ukuba idatha ibonakaliswe okanye yonakaliswe, ishishini lingakwazi ukuqhubeka lisebenza. Ukuyeka ukucima okanye okugqityiweyo kungakhokelela ekulahlekelweni kwerhwebo.
Iifom zengeniso zamashishini amaninzi zinika inani elincinci lokufihla (mhlawumbi i-$ 2500) ngenxa yokulahlekelwa kweengeniso ezibangelwa ukuphazamiseka kwimisebenzi yekhompyutha.
Ukulungiselela ukufaka isicelo, iinkqubo zekhompyutheni kufuneka zimiswe ngenxa yomonakalo kwi-elektroniki yedatha ngengozi echazwe kumgaqo-nkqubo. Iingozi ezifihliweyo zingabandakanya i-virus ye-computer, umlilo, isichotho kunye nombane.
Ummiselo wokwakha
Uninzi lweefom ze ngeniso zoshishino alufihla ilahleko zengeniso ezibangelwa ukuthotyelwa komgaqo. Okokuthi, ukuba isakhiwo sithatha ixesha elongezelelweyo ukulungiswa ukuze ukwazi ukuthobela ikhowudi yokwakha, umgaqo-nkqubo wakho awuyi kubhalela ingeniso olahlekileyo ngexesha lexesha elongezelelweyo.
Ukwakhiwa komgaqo-siseko kuhlanganiswe kwiifom zerhafu zeshishini. Ikwafumaneka kwakhona ngokuvuma . (Le ngxelo iyahlukana nesakhiwo somgaqo-nkqubo esisebenza kumonakalo olahlekileyo ngqo.) Ubandakanya ingeniso olahlekelwayo ngexesha lokunyuswa kwebhizinisi olususwe ngumqathango wokuthobela ikhowudi yokwakha. Le ngxelo ingaquka ixesha lokulinda iiyure ezingama-72.
Impahla e xho mekeke
Ezinye iifom ze ngeniso zoshishino zibandakanya ukukhutshwa kwepropati exhomekeke kuyo (ebizwa ngokuba yi-income income). Ukuxhaswa kwepropati exhomekeke kuyo kule nqaku .
IiNkonzo zoLuntu
Amashishini ambalwa angasebenza ngaphandle kweenkonzo ezisisiseko ezifana nombane kunye namanzi. Ukuba inkonzo yenkonzo iyaphazanyiswa, ishishini linokuthi livalwe kude kube yinkonzo ibuyiselwe. Ukuvalwa kungakhokelela ekulahlekelweni kwemali engenayo. Inkcazo yokuphazamiseka kweenkonzo izakukhusela iqumrhu lakho ngokuchasene nokulahlekelwa kwemali ebangelwa ukuphazamiseka kwenkonzo. Le nkcazo ifakiwe kwiifom zerhafu zeshishini. Kufumaneka kwakhona ngokuvuma.