Iindlela eziPhezulu zokuPhumelela kweNtsebenzo yezoRhwebo
Ushishino ngumnye wemisebenzi engcono kwihlabathi. Phantse ngamnye ngamnye uzimisele ukuqhuba ishishini elincinci eliya kukhula lize libe luncedo kakhulu. Nangona kunjalo, eli phupha liyakwenyani kuphela ukuba usomashishini wenza izigqibo ezifanelekileyo kwaye asebenzise izixhobo ezifanelekileyo ezichaphazela ngempumelelo imihla yokusebenza kweshishini.
Ngokungafani neminyaka emva kokuba amaziko amaninzi eemali asetyenziswa ukusekela izigqibo zemboleko zecandelo kuphela kwi- Personal FICO score , nanamhlanje ingxelo yekhredithi yebhishini lakho ikwaqwalaselwa kwakhona.
Ngako oko, lixesha lokuba abanikazi bezentengiselwano bakha kwaye baphucule umlinganiselo wekhredithi yezoshishino kwishishini labo ukuze bafumane iirhafu ezifanelekileyo kakhulu kunye nemigangatho yokuxhasa ngemali.
Ukuba uke uphuphe ukuba nebhizinisi elikhulayo nelokhulayo, enye yezinto eziphambili kukuqinisekisa ukuba unengxelo yekhredithi ebolekayo. Nantsi ukuphazamiseka kwezibonelelo eziphezulu zokuba neengxelo zekhredithi ezinamandla kwishishini lakho .
Iingxelo eziPhambili zeNkcazo zeNgxelo
1. Ukuvunyelwa kweMali eKhuselekileyo
Enye yeendlela ezilula ukuphuma kwiinkathazo zemali yenza isicelo semali mboleko kwibhanki okanye ufuna ezinye iinketho zemali . Ngelishwa, akusiyo yonke ishishini elisebenza ngokubolekwa kwemboleko. Ngoba? Enye yezinto ezininzi ezichaphazela ukuvunyelwa kwemboleko ngcaciso okanye ukungabikho kolwazi kwingxelo yesikweletu yenkampani.
Ngaloo ndlela, ukufumana iimvume zemali-mboleko ngokukhawuleza kwishishini lakho, kufuneka uzame kwaye uqinisekise ukuba ingxelo yengxelo yekhredithi yoshishino imisiwe kwaye ilungile.
Unamandla ngakumbi ngxelo, ngokukhawuleza ukuvunyelwa kwemboleko!
2. Ukuqeshiswa kwe-Office Space
Njengomntu oqhuba ishishini, unokufuna igumbi elongezelelweyo ngenjongo yokwandisa. Ngaphandle kwalokhu, unokuba ufuna ukuhambisa ngokupheleleyo ishishini kwizabelo ezintsha. Ngokuqinisekileyo uya kurenta indawo yeofisi kwiimeko zombini.
Nangona kunjalo, umlinganiselo ombi wekhredithi kwi-shishini lakho ungonakalisa amathuba akho.
Oku kubangelwa ukuba abaninzi abanamalungelo omhlaba baye bathabatha ukusetyenziswa kweengxelo zeentengo zemboleko. Baqala ukuhlolisisa amanqaku ekhredithi yakho yebhanki ngaphambi kokukuvumela. Ukuba unesiseko sokuthenga isikweletu kwishishini lakho, ngoko awuyi kuba nexesha elinzima lokuqeshisa iofisi yeofisi. Amanqaku akho atyala kakuhle aya kukugcina ngexesha elinjalo.
3. Ukukhanga abanye abatshabi-mali
Xa usomashishini eqala ishishini, ikusasa le shishini alingaziwa. Ukuba ngenhlanhla ibhizinisi liphumelela, kukho amathuba aphezulu kwabanye oosomashishini ukuba bangene kwaye bafune ukudala ubambiswano kunye nawe. Oku kungenakwenzeka nangona xa ishishini linomlinganiselo ophantsi wekhredithi.
Ngakolunye uhlangothi, ngenxa yenkxwaleko yemali yezoqoqosho kwishishini, umninimzi-mhlaba unokufuna ukuyithengisa kwabanye abatyala-mali. I-shishini elinengxelo efanelekileyo yentengo iya kuba yinto enokubangela ukuba abathengi bathathe ingqalelo. Enye imeko xa ufuna ukukhulisa ishishini. Utyalo-mali uza kungena ekuphuculeni ishishini lakho kuphela emva kokuqinisekisa kwaye uqinisekise ukuba ishishini lakho linalo ingxelo efanelekileyo yengxelo.
4. Iimali eziphantsi kweNzala kwiMali
Inzala yomyinge yenye yeendleko ozibuyiselayo ngokuthatha imali mboleko kwiziko lemali.
Namhlanje, umyinge wenzala umnini-ntlawulo uhlawulela kumanqaku okuthenga ngetyala. Ukuba unomvuzo omhle wesikweletu, uza kulungelelanisa ixabiso lentengo ephantsi kwebhanki. Oku kungenxa yokuba ingxelo enetyala yebhanki yimiqondiso yokuba uhlawula onke amatyala akho ngexesha.
Ngoko ke, kukulungele ukuba abanikazi boshishino basebenze nzima ukuphucula amanqaku okuthenga ngetyala. Qinisekisa ukuba uhlawula zonke iindleko zakho kunye ne-invoyisi ngexesha, ubuyisele imali mboleko kunye nokubeka ingxelo kwingxelo yakho yekhredithi yebhanki rhoqo ukuze ulungise naziphi na iimpazamo ongazifumanisa.
5. Imida ephezulu
Isebe leebhanki leebhanki linika imali-mboleko kumashishini anenqaku elinamandla lokwenza imali kunye neeprofayili. Ingxelo efanelekileyo yebhanki yebhanki ibonisa ngokucacileyo ukuba ishishini linokuhlangabezana neembopheleleko zalo zemali. Oku bhetele ingxelo yengxelo yentengo yeekhredithi, ephezulu kwimingcele yemboleko ukuba ibhizinisi lakho lifaneleke.
Oku kuthetha ukuba uya kukwazi ukufaka isicelo sokufumana inkxaso-mali ukuze ufumane ukufikelela kwi-credit. Sebenza kwiingxelo zeentengo zemboleko zoshishino ngoku kwaye ujabulele zonke ezi zinzuzo phakathi kwabanye abaninzi.