1. Yenza iqela lakho ndawonye.
Ngaphambi kokuba ungene kwinkqubo yokuvavanya ibhizinisi elithengiswayo nokuthengisana, uya kufuna uncedo olusuka kubacebisi bezebhizinisi, kuquka:
- Umgcini- mali we-akhawunti yomntu oqinisekisiweyo (CPA) ukukunceda uhlolisise iincwadi kunye neemali. Umgcini-akhawunti wakho uya kuba "isandla sokunene" umntu kule nkqubo; kufuna umntu onokusebenza kunye negqwetha kunye nawe njengeqela. Ababhali be-akhawunti bazinzileyo ngokwemvelo, kwaye abanye bahlolisisi abafanelekileyo, kodwa abacebisi abalungileyo - bafune umntu obambezelayo kodwa ongeyonto.
- Igqwetha eliza kunceda ukulungiselela nokuphonononga amaxwebhu okuthengisa.
- Ngaphandle kokuba unayo imali yokuthenga, kuya kufuneka ufumane i- lender yokuthenga.
- Unokuqala ukuthetha nabacebisi nge- inshorensi, oza kuthenga kuyo ishishini (ipropati kunye nokubulawa) yinshurensi kunye ne-inshurensi yokungasebenzi (kwiinkampani ezahlukeneyo).
- Umrhwebi we shishini . Ezinye iintengo zoshishino zenziwe ngumbraki. Njengoko kuthengiswa kwekhaya, umthengisi uya kufumana ikhomishini evela kumthengisi (ukuya kwi-10%) yomsebenzi wakhe, ehlawulwa ngokuvalwa. Nazi ezinye iingcebiso zokufumana umrhwebi oshishino.
2. Yenza uphando oluphambili, kuquka ukunyamekela ngokufanelekileyo.
Ngaphambi kokuba ubeke isibonelelo sokuqala sokuthenga ibhizinisi, kukho imimiselo emininzi oyifunayo ukuba ufumane iimpendulo. Kukho imibuzo e-7 oyifunayo ukuzibuza ngaphambi kokuqhubeka nenkqubo yokuthenga ishishini.
Ukunyamekela ngokukwenziwa kwenziwa ngumthengi kunye nomgcini-mali wakhe kunye nommeli wakhe emva kokuba umnqophiso wokuthenga usayinwe, kodwa ngaphambi kwesivumelwano sokuthenga ngokusemthethweni.
Injongo yokunyamekela ngokufanelekileyo kukuvumela ukuba uhlolisise ngokupheleleyo inkampani ukuze wenze isigqibo esinolwazi ngaphambi kokuthenga. Kwakhona yindlela yokwenza iimpazamo zakho kwiphepha lokuqala. Sebenzisa abacebisi bakho, ingakumbi i-akhawunti yakho, ukukunceda uhlolisise iincwadi kunye neirekhodi. Uya kufuna ukufumana iingxelo zemali kunye neentlawulo zerhafu kwiminyaka emine ukuya kwiminyaka emihlanu edlulileyo.
Ngethuba lexesha lokunyamekela, kufuneka:
- Hlangana nezoshishino iintsuku ezimbalwa; kuthetha nabasebenzi, abasebenzi, abathengi.
- Khangela ukhuphiswano kunye nezikhundla zabo. Zizithengisa njani zona? Benza njani imali?
- Khangela ukulungiswa kwexesha elizayo / ukulungiswa.
- Khangela amaxwebhu abonisa izibhengezo okanye izigwebo ezimele zihlawulwe ixabiso.
- Hlola iimfuno ze- OSHA kunye ne-ADA kule ndawo.
- Qinisekisa ukuba kukho ukuhamba kwemali okwaneleyo ukuxhasa wena ngokwakho.
- Khangela zonke iikhontrakthi zomthetho ezangeniswe yoshishino langoku, kuquka amalungiselelo okuqeshisa kunye nezivumelwano zokuthenga abathengi.
- Hlaziya izikwere ezimbi zomsebenzi, ii- akhawunti eziguga ukuguga kunye nomgaqo-nkqubo wokuqokelela okhoyo.
Kweminye imimandla ekujoliswe kuyo ngexesha lokunyamekela ngokufanelekileyo:
- Khangela ingeniso yenyanga yonke ngenyanga ubuncinane iminyaka emithathu. Hlola iintlawulo zeerhafu zoshishino iminyaka emithathu okanye ngaphezulu; ukhangele yonke ingcaciso malunga nenye into.
- Khangela phezulu (iindleko ezizinzileyo) malunga nemilinganiselo kazwelonke (% yeentengiso ezithe xaxa).
- Khangela ulwazi lwerhafu yengqesho ( iifomu ezingama-941 , njl. Njl.) Kunye nemivuzo / umvuzo ohlawulwe iminyaka emithathu edluleyo. Ingaba irhafu yengqesho ihlawulelwa ngexesha elifanelekileyo?
- Qinisekisa inzuzo ngokukhupha i-head and debt from income income (phambi kweendleko). Hlola umvuzo womnini kumsebenzi.
- Lungiselela uluhlu lwemibuzo; ukuba awufumani iimpendulo, cela isizathu.
3. Tyikitya incwadi yeenjongo.
Ngokuqhelekileyo kuthengwa kweshishini, umthengisi uya kufuna umthengi ukuba asayine incwadi yeenjongo. Esi sivumelwano esingabikhoyo esinqabela umthengi ekuxoxeni ulwazi malunga nezoshishino ngaphandle. Ileta nayo inceda ukuthengisa umthengisi ukuba angathethi okanye athethe nabanye abathengi ngelo xesha. Le leta ke ivumela umthengi ukuba enze uvavanyo olusisigxina ngakumbi kweshishini kwaye uthethathethwano ukuze uqhubeke.
4. Ukuthetha ngokubambisana.
Intlanganiso yakho yentetho kunye nomnini ingabaluleke ngakumbi kunokuba udliwano lwendlebe. Musa ukulibala ukuba lo mntu akathengisi nje ishishini; yena / uthengisa ubomi!
Khumbula, ezi mpazamo eziqhelekileyo ezenziwe ngabadayisi:
- Xabiso elingenangqiqo
- Ukungaqondi "inzuzo efihliweyo"
- Kucinga ukuba umthengi uyazi loo ndawo
- Ukungabi neengcebiso ezifanelekileyo
- Ukungaqondi kakuhle umthengi
- Amaxwebhu aneleyo
Ingxenye yale ngxoxo ibandakanya ukuhlalutya kohlalutyo lweshishini , eyenziwa ngumcebisi. Olu xabiso luyindawo yokuqala, nangona kunjalo. Uthathethwano luya kwisivumelwano phakathi kwamaqela amabini.
5. Vala le ntengiso.
Ukuvalwa kwe-shishini yelo shishini lixesha apho zombini amaqela - kunye nabameli babo-bahlangana ndawonye ukuze batyikitye amaxwebhu baze baphumelele iireki ezungeze itafile. Kule ngongoma, yonke imisebenzi yenziwe, kwaye akukho ndawo yokuxoxisana okanye utshintsho.
Xa kuvalwa, amanqaku amaninzi angadinga ukuba asayinwe:
- Ibhilidi yokuthengisa, obungqina bokuba bunini beempahla, kwaye luxwebhu olusemthethweni olumele ubunini bezoshishino kunye nezinto zalo
- Isivumelwano soKhuseleko (i-link) ebungqina bokuba i-asethi ihlanganiswe ngumthengisi de kubekho inqaku lihlawulwe
- Isivumelwano sokuthengwa, esinokuthi sisayinwe njengencwadi yeenjongo.
Intengo yokuthenga inokuhlawulwa kwiindawo ezahlukeneyo:
- Iimali ezifumanekayo (sele zihlawulwe) ziyancitshiswa
- Ukulinganiswa kwentlawulo yokuhlawula iyancitshiswa
- Ukuxhomekeka kwemfanelo okanye ukuhlawulwa ngumlinganiselo wesathengisi
- Ibhalansi ehleliyo kwinqwelo yokuthengisa.
Iingxenye zexabiso lokuthenga linokwabelwa iintlawulo ezithile kunye nexabiso lemashishini: isivumelwano esingekho-khuphiswano, igama loshishino , iimpawu zentengiso kunye nesivumelwano esivumelanisiweyo (kunye nomthengisi).