Xa ufuna imali yoshishino lokuthengisa, umrhwebi kufuneka acinge ngolu hlobo lwetyala lokulingana. Oko kukuthi, ulwalamano phakathi kweedola ezibolekwe kunye needola ezityalomali kwishishini. Abanini bemali abaninzi baye batyala imali kwishishini labo, kulula ukutsala imali.
Amashishini amatsha okanye amancinci angakufumanisa nzima ukufumana imali yeebhanki (fumana imali-mboleko yebhanki) ukuze bafumane inkxaso-mali.
Ukuxhaswa kwemali rhoqo kubangelwa ngabatyalo-mali abangenazo iingcali ezifana neentsapho, abahlobo okanye abasebenzi. Ikwafumaneka kwakhona kubatyala-mali abaqeqeshiweyo ababizwa ngokuba ngabaxhasi bezentengo .
Ngokucacileyo, inkxaso-mali yokulingana, okanye inkxaso-mali, ithengisa ipesenti yeshishini ngenani elithile lemali. Le fomu yokuxhaswa kwemali yenza ukuba ishishini lifumane inkunzi efunekayo ngaphandle kokuthatha ityala elongezelelweyo. Abatyalomali bangaphandle baya kufuna ukubona umninimzi utyalo imali yabo ukubonisa ukuba bazimisele ukwabelana ngemingcipheko. Oku akuthethi ukuba ungumgcini-mboleko wakho into efanayo. Lelo ityala uqinisekisa, kungekhona ukuba uthathe. Nangona kunokwenzeka ukutsala abatyale-mali, umthombo oyintloko wemali yokulingana usapho kunye nabahlobo.
Makhe sijonge ezinye zeempembelelo zemali yokulingana
- Kubi kakhulu kunengozi kunomboleko webhanki. Ngokwenene, awunakuze uhlawule imali, yenza nje inzuzo.
- Abatyalomali abajonge iiphumo ezikhawulezayo Ibhanki ifuna imali yayo ngokukhawuleza. Ubuncinane iintlawulo kunye nomdla, oko kukuthi.
- Iyakusiza isikhundla sakho semali . Ekubeni ungenzi imali yokuhlawulwa yenyanga nganye, unayo imali engaphezulu yokuyisebenzisa kwimisebenzi yansuku zonke yoshishino.
- Ekubeni usebenzisa abatyala-mali, unokungena kwi-intanethi yabantu ukuze bancede.
- Mhlawumbi owona mhle, ukuba isitolo sakho sithengiswa, akumele uhlawule le mali. Ibhanki ayikhathaleli ukuba ivenkile ivulekile okanye ivaliwe; bafuna imali yabo. Ngoxa lo wokugqibela awuyithandwa yintlobo-zimali zakho, inyaniso malunga nokwahlukana phakathi kwemali yokulingana kunye nokuxhaswa kwetyala.
Kodwa akusiyo yonke into enemali yokulingana ngemali. Nazi ezinye zezinto ezimbi:
- Ngoku unayo "izimvo" kufuneka ujongane nazo. Ngomboleko webhanki, abaze baxelele ukuba benzani noshishino. Kodwa ngabalingani-mali bezobulungisa, bavota kwaye kaninzi bavota ngokuchasene neengcamango zakho.
- Unika ubunikazi. Nangona usengabanikazi abanini-nxaxheba, unika ulawulo oluthile kunye nenzuzo yonyaka ngamnye njengoko ngoku ufanele ukwahlula imali.
- Ukubika kubaluleke kakhulu kwaye ixesha lidla. Abatyalomali badinga ukubalwa kwengxelo rhoqo malunga nendlela yabo imali ngayo. Ngokungafani nebhanki enokukhathalela ukuba iintlawulo azibonakali okanye ucela imali eninzi, abatyali-mali baya kufuna ukukhangela ngokubanzi kwi shishini lakho ngamaxesha onke.
- Abatyalomali banokukhathazeka. Enye yezo shishino endikuphetheyo yayinabanye abatyalo-mali. Ngelixa kwakunzima ukuba ungayithathi ityala, ndiza kufumana iifowuni ezivela kubaotyalo-mali bebuza umbuzo emva kokubuza ukutya ixesha elide. Okubi nakakhulu, bekuyixesha xa bacinga ukuba banengcamango enkulu elandelayo kwaye kwafuneka ndive.
Ukuba ugqiba ukuhamba kwindlela yokufumana imali, ibaluleke kakhulu kukukhetha abo batyalo-mali ngokuhlakanipha. Funda iziganeko ezingentla kwaye uqinisekise ukuba ukhetha iqabane elungileyo. Ndineendlela ezininzi kakhulu "abatyala-mali" abatyali-mali kwintengiso yam yokuthengisa ngunyaka obengamazwi amnandi. Qinisekisa ukuba uyazi ukunyamezela kwabo kunye nokulindela kwembuyekezo ngaphambi kokuqala. Iyakusindisa uhlaselo oluninzi. Isifundo esikhulu esandifunde kukuba ngelixa abatyali-mali bethetha bengakhange bafune iziphumo ezikhawulezayo, babehlala benza njalo-kwaye babefuna imali yabo ngokukhawuleza kunokuba sasivumelene okanye sixoxe ngazo. Oku kunokongeza uxhaphalo kuwe kunye nolwalamano lwakho kunye nabo kwaye ke kutheni ufuna ukucaca phambili malunga nokulindela.