Izizathu Ongazenzayo Umqashi Wakho

Ixesha eli-12 lokuthatha isenzo sezomthetho

Kukho amaxesha athile xa iingxabano zokuqeshisa umninikhaya zingenako ukulungiswa lula. Ngelishwa, ngamanye amaxesha indlela kuphela yile ngxaki ingasombululwa kukuba uthathe umqeshi wakho enkundleni. Funda inzuzo kunye neengxaki zokuya enkundleni, kunye nezizathu ezilishumi elinesibini onokumangalela umqeshi wakho.

Iinzuzo zokuThathela isabelo sakho

Nangona ukufakela isigwebo malunga nomqeshi wakho kungabangela uxinzelelo, kunokufumana inzuzo ethile.

• Umqeshi Unokumisela ukuPhepha iNkundla: Inzuzo yokuqala, kwaye yinto eninzi abantu abanethemba xa befake isigwebo, ukuba loo nto ayiyi kubuyela enkundleni. Ithemba kukuba umqeshi uya kufumana iifomati zenkundla kwaye akafuni ukujongana nenkinga yokuya enkundleni kwaye unokulahlekelwa nantoni na. Baya kunokuba bahlawule umrhumo umnini-sicelo ucela okanye adibanise ngokuhlawula imali encinci leyo umninikhaya avuma ukuba amkele. Oku kuya kugcina igama lomqeshi kwiirekhodi zenkundla.

• Ukufumana Imali Ehlawulwayo: Ngamanye amaxesha ukuthatha umqeshi enkundleni yindlela kuphela yokufumana imali obolekiweyo kumqeshi. Ukuba umqashi engakholelwa ukuba unembopheleleko yokuhlawula umonakalo kwipropati, kunokuba nzima kakhulu ukuba bahlawule imali ngaphandle kokuba bavumelekile ngokomthetho ukwenza njalo.
• Ukufumana iMonakalo eyongezelelweyo: enkundleni, unokumangalela umqeshi ngemali oyenzayo, kodwa nangenxa yemonakalo eyongezelelweyo. Ngokomzekelo, ukuba umqeshi ephula isivumelwano sokuqeshisa kwaye uhamba ngokukhawuleza, unokuzibophelela ngerenti efunyenwe yintsali yokuqeshisa kwaye mhlawumbi iindleko ezinxulumene nokufumana umqeshi omtsha ukugcwalisa isithuba.
• Cima Igama Lakho: Ukunyamekela umqeshi wakho kunye nokuphumelela kuya kunika ubungqina obusemthethweni bokuthi unelungelo.
• I-Case iya kubhaliswa: Uya kuba nerekhodi ukuba uyiphumelele ityala lenkundla kumqeshi wakho. Oku kunokuba luncedo ukuba umnini-mhlaba uzame ukukugweba ngexesha elizayo. Uloyiso luya kubonisa ukuba ungumnini-mhlaba olandela umthetho kwaye uyazi iinkqubo ezifanelekileyo kunye nezenzo zokuqhuba indawo yokurenta.

Izingozi Zokujongana Nomhlali Wakho

Ukunyamekela umqeshi wakho kunenzuzo, nangona kunjalo kukho iingozi ezithile ezibandakanyekayo. Akukho sikhokelo sokunqoba kwaye unokubeka umngcipheko wokubangela inkokhelo evela kumqeshi wakho.

• Ungalahleka: Ukufakela isigwebo akuqinisekisi ukuba uya kuphumelela umgwebo. Unokuchitha ixesha lakho, amandla kunye nemali eya enkundleni kwaye ulahlekelwe.

• Ungayinqoba, kodwa Ungalokothi Ubone Imali : Ngelishwa, unako ukunikezelwa ngemali ohlawulwayo yinkundla, kodwa ungeke uqokelele le mali. Nangona umqeshi uya kuba nomgwebo ngokubhekiselele kubo, usenokuzama ukugxotha umqeshi phantsi iminyaka ukuze uqokelele imali efunekayo.
• Iindleko: Ingaba uyaphumelela okanye ulahlekelwe, kuya kubakho iindleko ezibandakanyekayo ukuya enkundleni. Uya kufuneka uhlawule intlawulo yenkundla nje ukuba ufake ifowuni yakho. Le ntlawulo idla ngokukhawuleza, kwindawo ethile phakathi kwe-$ 25 ne-$ 50. Ngokuxhomekeke kwimeko yecala lakho, unakho ukuqesha ugqwetha ukuba limele wena, elingazibiza kakhulu ngokukhawuleza.
• Umqeshi Unokubambisana : Ngokuqalisa umgwebo, unokuthukuthela umqeshi wakho, uholele ekubaleni. Unokuphelisa ukulahlekelwa ngumgwebo uze uhlawule imali engaphezulu kumqeshi kumonakalo kunye neentlawulo zommeli.

Ngaba Kuphela Kukhethwa?

Akunjalongo noko. Ungathumela incwadi yokufuna kumqeshi ngethemba lokuba kuya kuba neenjongo zokwenza ukuba bahlawule oko batyala. Le leta ingasongela ngokwaneleyo ukunqanda inqaba yenkundla. Unokwenza isigqibo sokungenzi nto kwaye uyitshilo nayiphi na ilahleko njengamava okufunda.

Indlela yokwandisa amathuba akho okuphumelela

Nangona ijaji izakusebenzisa iinyaniso ekugqibeleni ukuba isigqibo sokuba ngubani ophumeza enkundleni, kukho izinto ongayenza ukuphucula amathuba akho okuphumelela.

Amaxwebhu afanelekileyo kunye nokulungiswa kunokuhamba ixesha elide ekuqiniseni imeko yakho.

1. Ukukhawuleza kulunge:

Ukuba uya kumangalela umqeshi wakho, kukulungele ukuyenza ngokukhawuleza. Kukho izizathu ezimbalwa ezilandelayo kule ngcamango.

Enye, iya kubonisa ukuba imbambano ibalulekile kuwe. Ukuba ulinde iminyaka emibini ukumangalela umqeshi ngenkokhelo engakhokhelwa, ijaji inokubuza ukuba yintoni into enokuthenjwa ngayo.

Ekubini, ukuba ungamangaleli umqeshi emva kokuphuma, unokuba nzima ukufumana umqeshi. Ungathumela isaziso kwidilesi yokugqibela eyaziwayo yomqeshi, kodwa akukho siqinisekiso sokuba umqeshi uya kuyifumana. Ukuba uzimisele ngokubuyisela imali efunekayo kuwe, kufuneka uthumele isaziso kumqeshi ngokukhawuleza emva kokuba umba uvela.

Eyesithathu, njengoko ixesha elide lihamba, kuba nzima ukukhumbula iinyani.

Ingxabano inokucaca nje ngemini inyanga emva kokuba kwenzeke, kodwa iinkcukacha zinokuba zinzima xa unyaka uphelile. Ukuba ukhubeka phezu kweenkcukacha enkundleni, ibali lakho libukeka lincinci. Ukongezelela, unokuba unomdla ongathandabuzekiyo malunga nokugqithiswa kwexesha.

Okwesine, kukho ummiselo wemingcele malunga nexesha elide emva kwesiganeko kufuneka uphishekele le nkundla enkundleni. Ngokuxhomekeke kwimiba, ingaba mfutshane njengomnyaka omnye okanye ixesha elide kwiminyaka elishumi. Ungaqwalasela imithetho yasekuhlaleni ukuba ufumane ixesha elide lokufakela ifowuni kwimiba ethile. Ngokuqhelekileyo, ukhawuleza unokugqiba isigqibo sokuba uya kulandela isigwebo, ungcono.

2. Ulwazi loLondolozo lweMihlaba ngumthetho:

Ingxenye yokuba ngumnini-mbopheleleko ulwazi imithetho yomqeshi wendawo yokuhlala kwimeko yakho. Ukuba ulandele umthetho ukususela ekuqaleni, ke ukwandisa amathuba okuphumelela enkundleni. Ukuba awuzange ulandele ngokufanelekileyo umthetho, unokwenyuka uhlawule imali eninzi kunokuba wawufuna kuqala.

Ngokomzekelo, umnini-mali anganikezelwa ngokuphindwe kabini imali yabo yokugcina imali xa ungazange ulandele iinkqubo ezifanelekileyo, ezifana nokubeka idiphozithi kwi-akhawunti eyahlukeneyo yebhanki okanye ukubathumela uluhlu olubhaliweyo lwazo nayiphi na intsalelo ethathwe. Omnye umzekelo uya kuba, ukugxeka umqeshi phezu kwerenti engahlawulwanga ngaphandle kokungazi ukuba umqeshi unelungelo lokunqanda irenti kuze kubekho ukuphulwa kwempilo okanye ukhuseleko kwipropati.

Ukwazi umthetho kuya kukunceda ulungiselele ngokufanelekileyo amaxwebhu oya kuyifunayo kwimeko yakho. Kuya kukunceda ukhangeleke ngakumbi enkundleni.

3. Ukuqonda iMithetho yeNkundla:

Icala lakho aliyi kubuyela enkundleni ukuba awuhambanga inkqubo enkundleni. Ngamanye amaxesha kuya kufuneka uqale uthumele incwadi yokufuna kumqeshi. Umqeshi uya kuba nenani elithile leentsuku ukuphendula kwesi saziso ngaphambi kokuba ukwazi ukufaka ifowuni yangempela.

Ukufakela ifowuni, kuya kufuneka uhambise ifomu elungileyo kunye nemaphepha eyongezelelweyo kwaye uhlawule intlawulo enkundleni. Kwakhona, unokuba nexesha elithile emva kwesiganeko ukufakela iifayili kumqeshi. Kwakhona kufuneka ukuba wazi ukuba unokuzimela enkundleni okanye ukuba kufuneka uqeshe igqwetha.

4. Lungiselela iNkundla

Uya kufuna ukuba ityala lakho libe namandla kakhulu xa ubonakala enkundleni. Ubungqina bendlela efanelekileyo yokukwenza oku. Kufuneka ugcine ifolda eyahlukileyo kumqeshi ngamnye onayo equka nayiphi na incwadi ebhaliweyo phakathi kwakho nomqeshi.

Ufanele ube neempendulo ezibuyiselwa kwisicatshulwa sokuqeshisa , njengesicelo sokuqashisa kunye neengxelo zemboleko , isivumelwano sokuqeshisa esisayinwe, ukugcinwa kweempepha, kunye naziphi na izikhalazo ezithunyelwa kumqeshi, ukulungiswa kwendawo yokuhlala , iimali eziye zenzeke ngenxa yomqeshi, iindleko zomqeshi zijongene nazo, izikhalazo ngumqeshi malunga nawe, imifanekiso yomonakalo okanye nayiphi na indlela yokulungisa. Ubungqina obuninzi obuxhasa ityala lakho kwaye lubonisa ukuba ulandele imithetho nemigaqo efanelekileyo phantsi komthetho womqeshi wendawo yombuso, ngcono.

5. Bonisa:

Oku kungabonakala kucacile, kodwa ukuba ungabonakali enkundleni xa ityala lakho lihlelwe ukuba live, ityala liya kukhutshwa, okanye uya kulahlekelwa, ukuba ngaba ubalekele. Qinisekisa ukuba uhlolisisa kabini umhla wesantya. IiNkundla zivame ukuhlaziya amatyala, ngoko kufuneka ubize iintsuku ezimbalwa kusengaphambili ukuqinisekisa ukuba ityala lakho liseshedyuli.

Izizathu Ongazenzayo Umqashi Wakho

Kukho izizathu ezingenammiselo ukuba unokuthatha umqeshi enkundleni. Ezinye zezona zizathu eziqhelekileyo umninimzi onokumangalela umqeshi ziquka:

1. Ireyithi engakhokhelwa: Ukuba umqeshi akakhokhe irente yenyanga, ungathumela kuqala isaziso sokuhlawula irente okanye ukuyeka. Ukuba oko akusebenzi, unako ukwenza ifayile ukukhupha umqeshi . Ngelo xesha, unako ukuwabethela nabo nayiphi na irente.
2. Iingxowa-mali ezingabhawulwayo: Ukuba kukho nayiphi na iindleko zesevisi eziqashisayo kwipropati yokuqeshisa kwigama lomqeshi, unokumangalela umqashi ukuba abuyele le mali. Ngokuqhelekileyo, unokukrazula le mali kwi-deposit yokukhutshwa kwezokhuseleko. Nangona kunjalo, ukuba i-deposit deposit ayanele ngokwaneleyo ukuhlawula iindleko, unokumangalela kwinkundla yamatyala amancinci ukuze uphinde uphumelele.
3. Ukulimala kwiPropati: Umnini-mnini unokumangalela umqashi ukuba umqeshi ubangele umonakalo kwipropati. Kwakhona, ungaqala ngokunciphisa inani lomonakalo kwi-deposit. Ukuba ukugcinwa kwekhuseleko kungagubungeli umonakalo owenziweyo, ungathatha umqeshi wakho enkundleni ukuba uthembele yonke imali efunekayo.
4. Izinguqu ezingavumelekanga kwiCandelo: Ukuba umnini-mhlaba wenza utshintsho kwiyunithi ngaphandle kokuvunywa, unokumangalela umqeshi ukuba abuye abuyele imali eya kuyenzela ukubuyisela iyunithi kwimeko yayo yasekuqaleni.
5. Isabelo se-Owes esingekho kweNgcaciso yeSondlo seMali: Ukuba uthe wathatha inani elincinci lokubanjiswa kwi-deposit yokugcinwa kwephepha, kodwa banamalungelo angaphezulu, unokuzama ukubuyisela abanye kwiinkantolo zamabango amancinci.
6. I-Counterue ye-Deposit Deposit: Umqeshi unokumangalela ukuba bakholelwa ukuba ngokungekho mthethweni unqabile ukugcinwa kwezokhuseleko. Kule meko, unako ukubala ukuba ubonise ukuba unelungelo lokusemthethweni okanye ukuchithwa kwi-deposit yakho.
7. Ukubuyisela iRhafu yeRhafu kwiMvume yokungabikho mthethweni: Ukuba umqeshi waphuma ngaphandle kokuba kuqeshwe ukuba kuqeshwe, unokuwathatha enkundleni ukuze uhlawule irenti ebenetyala ngexesha eliphumayo ekuqeshweni kwabo.
8. Ukubuyisela iindleko zokufumana umqeshi omtsha emva kokugqithiswa ngokungekho mthethweni: Ezinye iikopi ziya kukuvumela ukuba ulandele umqeshi oye waphuma ngexesha elide ukuze ungeze iindleko ezongezelelweyo ongazama ukufumana umqashi omtsha kwiyunithi. Oku kungaquka izinto ezifana nezindleko zokuthengisa kunye nezibonelelo .
9. Iindleko zokuLawula ipropati echithwe ngumnini-mpahla: Unokumangalela umqeshi ngeendleko zokulahla okanye ukugcina impahla yakhe eshiyiweyo.
10. Umqeshi wasebenzisa Ipropati yezigqibo ezingekho mthethweni: Ukuba umqeshi wasebenzisa ipropati yezindlela ezingekho mthethweni, unokuzifakazela ukuba uhlawule umonakalo.
11. Ungekho mthethweni ukuba ube nePilisi: Ukuba awukho mgaqo-nkqubo wezilwanyana kwaye ufumanisa ukuba umqeshi unesilwanyana, unokumangalela ngemonakalo kunye nayiphi na umonakalo owongezelelweyo owenziwe kwipropati kwipropati.
12. Ezinye iziPhulaphu kwisivumelwano sokuqeshisa: Ukuba umnini-mhlaba uqhekeza nayiphi na enye icandelo leqeshiso kwaye ibangele ukulimala kwemali, ngokomzwelo okanye emzimbeni, ukuthatha umqeshi enkundleni kungaba yindlela yokuqokelela imali efunekayo kuwe.