Inkathazo yabetha abantu abaninzi: umntu uthathe umvuzo wabo, kwaye abanye abantu baphulukana nemisebenzi yabo. Okubaluleke kunabo bonke ngababoleki beebhanki: ngaphezu kweemfuno eziqhelekileyo, kufuneka bahlawule ngokukhawuleza inkokhelo kunye nenzala. Ukuba unako ukujongana nemali-mboleko yomboleki-mboleko (ubuyiselwe imali kwizalamane kunye nokuhlawula ngemali mboleko), ke imali yokubolekwa kwemali inzima kakhulu: inani lemali-mboleko likhulu, kwaye kuthatha okungaphezu konyaka ukuhlawula kuyo. Indlela yokwenza uhlahlo lwabiwo-mali olulungileyo lwentsapho kunye neerhafu zicima rhoqo, ngelixa zingaphenduli kwiQore Knight?
Zonke ziqwalaselwe
Okokuqala, kuyimfuneko ukuqokelela uluhlu lwabiwo-mali lwabiwo-mali kunye neengxowa-mali, kunye nokuqwalasela izindleko zenyanga zenyanga-ukuhlawulwa kwemali mboleko, ukurenta, ukutya, ukuthutha, njl.
Sika iindleko okanye ushiye into engekho eluhlu.
Akukho nto yokuhlawula?
Yintoni abaye balahlekelwa yimisebenzi yabo kwaye abanako ukuhlawula iibhili, umzekelo, ukuhlawula imali? Ukuba imeko enjalo ivela, ungafihli kwiingxaki zemali. Ngokukhawuleza ukuba uye kwi-bhanki, vula entloko yesebe ukuze usebenze nabantu. Sitshele malunga neemeko zakho kwaye uyavumelana ngokuchasana nokuhlawula amatyala. Ukuba unembali yeebhanti ezithembekileyo, ibhanki inokwenza izivumelwano: umzekelo, iya kwandisa ixesha lokuhlawulwa kwemali-mboleko, ngokunjalo ukunciphisa intlawulo yenyanga; Uya kunika "ieholide zentengo" - ukumiswa okupheleleyo okanye okukodwa kwentlawulo kwi "body" yemboleko. Siyabulela esi sigqibo, kunokwenzeka ukunciphisa iintlawulo zenyanga ngee-40-50%, okwenza uhlahlo lwabiwo-mali olusisiseko oluqhelekileyo nokuhlawula amatyala. Kodwa kubalulekile ukuba ukhumbule ukuba nayiphi na indlela yokuhlehliswa kwayo iyanciphisa izibophelelo okwangoku, kodwa ngexesha elifanayo liyakwandisa kwixesha elizayo. Ndiyabulela kwibhankini, uya kukwazi ukuqwalasela uhlahlo lwabiwo-mali olutsha olucwangcisiweyo kunye neerhafu zemboleko.
Ukuba ibhanki ayinakuncediswa , kwaye amaxabiso embolekisi yakho alahlekelwe ukufaneleka kwawo (kwakukho izibonelelo ezithandekayo ekubolekeni), ngoko kuyacaca ukuba ucinge ngokumalunga nokuhlengahlengisa, oko kukuthi, ngokutshintsha inkqubo yakho yekhredithi kwi-optimal one. Nangona kunjalo, kufuneka uqwalasele yonke imiba.
Othandekayo
Ngaba wakha wava inkulumo ethi "mboleko"? Iimali-mboleko ezibizwa ngokuba ngumthengi, zithathwe, umzekelo, ukuthengwa kwezixhobo zasemakhaya, iingubo ezibizayo okanye imoto yemidlalo.
Ngokweengcali, amaninzi athathwe ngabantu abathambekele ekuthengeni okungafunekiyo, kunye nalabo abangazi ukuba bavavanya njani iimfanelo zabo zemali.
Ukuze sikhuphe iingxaki kwibhanki kwixesha elizayo, sincoma ukuba uphulaphule la macebiso alandelayo.
Ngaphambi kokuba uthathe ityala, hlalutya ukuba ufuna kangakanani. Cinga malunga nokuba unokubuyisela umboleko ngexesha elifanelekileyo. Kule meko, kuyinqweneleka ukubala inani eliza kuhlawulwa kwi-bhanki ngaphandle kokuchasana nohlahlo lwabiwo-mali.
Ukufunda ngokucophelela zonke iinkcukacha malunga nohlahlo lwabiwo-mali lwentsapho kunye neerhafu, i-credit kunye neemeko zokuncedisa.
Musa ukulandela ngokusesikweni isikhangiso, esoloko sigxininisa ukuba ukukhupha imali mboleko ngokukhawuleza. Ungaze ukhawuleze ukusayina isivumelwano.
Amanqaku asixhenxe amaxesha
Yintoni ongayifanele ukuba uyenze xa 'ungenzi ngengozi' ufike ebhankini kwisibonda sematyala? Musa ukuthatha isikweletu ngaphandle kwexesha elikhawulezayo. Ukuba iindleko zenyanga zokubuyiselwa kwemboleko zibonakala zikhulu kakhulu, kungcono ukuba ungayithathi nhlobo. Ngokomzekelo, ukuba iintlawulo zenyanga zenyanga mboleko mboleko zidlula i-30-40% yengeniso yakho; ukuba emva kokubuyiselwa kwemboleko akukho mali eyaneleyo yokuhlangabezana neemfuno ezisisiseko (irente, ukutya).
Musa ukuthatha imali-mboleko. Xa kuziwa kwimpahla ebiza, yenza imali mboleko engekho kwisitoreji, kodwa kwibhankini.
Thatha imali mboleko ngethuba elincinci, kwaye kuya kuba kubi. Ukuhlawulwa kwetyala njengento encinci kunokwenzeka, hlawula kangangoko ukuhlawula intlawulo. Buyisela ityala kwibhanki ngexesha elifanelekileyo. Ngaphandle koko, uya kuboniswa kwisihlomelo sokulibaziseka kwisixa somyinge wesibini umboleko.