Ngelishwa, ayinguye wonke umntu onokuthi afumane umatshini wokuhlamba. Ukuba akukho mali yaneleyo yokuthenga, ungasebenzisa intlawulo yokufaka kwaye uhlawule imali encinci inyanga nenyanga. Le nkonzo ithandwa kakhulu kunye nenqanaba lesibini emva kokuba libolekele, nangona linenzuzo engakumbi.
Iimbonakalo
Ukufakwa kukukwazi ukuthenga imveliso enokuthi ihlawulwe kwixabiso elithile, ngelixa ixabiso alivuswanga, kwaye ipesenti ayibalwanga. Umthengi uthembisa ukuba uhlawule imali esekwe rhoqo ngenyanga. Ukulula kokufakelwa kwezelelo kukuba akunyanzelekanga ukuba ube nesatifikethi somsebenzi waseburhulumenteni. Umzekelo, umatshini wokuhlamba unokubekwa kwisiqingatha sonyaka, unyaka okanye iminyaka emibini kwivenkile ye-Eldorado.
Kuyimfuneko ukucinga ngenkani ukuze uphephe iingxaki. Ezinye iivenkile zifuna ukuvulwa kweakhawunti yebhanki yokuqhubela phambili ukudluliselwa kwemali kuyo. Kule meko, iibhanki ziya kuthatha umrhumo wokungenela iakhawunti.
Sukuvumelana nokuvulwa kwekhadi letyala, inkohliso ihlala ifihla esi sicelo.
Ukuhombisa iindleko, kuyafuneka ukuzisa incwadana yokundwendwela kunye nomsebenzi wevenkile ukubonelela ngedatha yakho. Ukuba ifotokopi yamaxwebhu afunekayo, inokuthunyelwa kwifom ye-elektroniki. Namhlanje, iivenkile ezikwi-intanethi zithandwa kakhulu, ezigqiba iziVumekiso kude.
Ivenkile kufuneka ibonelele ngamaxwebhu anjalo xa usenza ifakelelo:
- Itshekhi yemali;
- Isivumelwano sokuthenga;
- Iwaranti kwimveliso.
Umahluko wezavelelo kwimali mboleko
Ukuthenga iimpahla ngetyala kukusebenza kwebhanki, okoko umthengi akufuneki anikene kuphela imali yempahla, kodwa nokuhlawula ipesenti ethile yeBhanki. Ukufumana iMali mboleko, kuyimfuneko ukufumana imvume yeBhanki, kwaye indawo yokufaka iphakathi komthengi kunye nomcebisi, omele iimfuno zevenkile, umntu wesithathu akabandakanyeki apha. Imvumelwano ibonisa kuphela umthengisi kuphela egameni levenkile kunye nomthengi.
Inqaku lesihloko: Ubushushu ubushushu ngezandla zabo
Ukuba iBhanki ithatha inxaxheba ekufumaneni irisithi yezavelelo, ke le sele ibolekwa imali. Ukuba isitolimenti siphawuliwe kwimbali yamatyala omthengi, emva koko iba nemali mboleko.
Olunye ukhetho lunokwenzeka ukuba iivenkile zichaze umthengi njengeendawo, kodwa ilele ebhankini. Ivenkile ixhomekeke ekuhlawuleni inzalo. Lo msebenzi ukwayingenelo kumthengi, kodwa zimbalwa kakhulu iivenkile zinika ithuba elinjalo.
Umthengi akufuneki ahlawule naluphi na uhlobo lwekhomishini xa esayina isivumelwano sokufaka.
iimpembelelo
- Ukuba nesixa esiyimfuneko sokuthengwa kweempahla, umthengi unokuthenga umatshini wokuhlamba ngoku.
- Akukho sidingo sokungena kwisivumelwano kunye nebhanki, kwaye uhlawule inzala kwimali mboleko.
- Ukubhaliswa kwekhontrakthi ngevelisi kwenzeka kwimizuzu nje engama-30.
- Iivenkile ze-Intanethi zeesoftware zekhaya zibonelela ngezinto ekude. Ngokwaneleyo ukuthumela ikopi yencwadana yokundwendwela kwifom ye-elektroniki kwaye unike idatha yobuqu.
- Emva kwentlawulo yokuqala, umthengi sele efumana iimpahla. Ezinye iivenkile azifuni intlawulo yokuqala yentlawulo.
- Ivenkile nganye ngokuzimeleyo igqiba kweliphi ithuba elinokukhutshwa ngeliphi ixesha. Ngokusisiseko, isixa sahlulwe iinyanga ezintathu, iinyanga ezintandathu okanye unyaka.
- Akukho sidingo sokuqokelela izingqinisiso, ukukhangela iziqinisekiso.
- Ukufakelwa kukhusela umthengi kunyuke ngexabiso, kodwa ngaphambi kokuba uthenge ukuxoxa ngale nto nomcebisi kwakhona.
- Ukulungiselela umthengi, iintlawulo zokufakwa zinokwenziwa zisebenzisa iinkqubo zokuhlawula okanye ebhankini.
Imizuzu
- Ivenkile ayinakukhupha amathafa kwimpahla, ngelixa ingachazi isizathu sokwala.
- Njengommiselo, kwiimpahla ezixabisa kakhulu, iivenkile azifaki. Lo mgaqo uchaphazela iimveliso ezixabisa ngaphezulu kwe-150 lamawaka.
- Ayizizo zonke iimodeli zoomatshini bokuhlamba zinokuthengwa ngokwamatshini. Ivenkile ikhetha imodeli ngokwayo, enokunika umthengi ukuba ahlawule.
- Kukho iimeko apho ivenkile ifuna i-akhawunti yebhanki ukufumana i-fakimenti, umthengi kuya kufuneka ahlawule imali engaphezulu ebhankini yokusebenzisa ikhadi.
- Umthengi kufuneka ahlawule ngexabiso elimiselweyo inyanga nenyanga, ngelixa ixesha elimiselweyo.
- Ngebhodi kade, ivenkile inokuthi ilandelwe ngumthengi okanye i-invoice yesohlwayo.
- Iimpahla ezibonelelwa ngamafutha zinokukhula ngexabiso.
- Abathengi bahlala beziva benengxaki yengqondo.
Inqaku ngesihloko: Iiprojekthi zezindlu ezinendawo
Ungayithenga phi umntu?
Ungathenga umatshini wokuhlamba ngezavelelo kwivenkile yentengiso okanye kwivenkile ekwi-Intanethi.Kwivenkile yevenkile yentengiso
- Ukukhetha iimpahla. Ithegi nganye yexabiso iqulethe lonke ulwazi oluyimfuneko malunga nezibonelelo.
- Umthengisi ubhala itsheki kwintengiso.
- KwiSebe leKhonkrithi levenkile ikhutshwa ngamanqatha. Oku kufuna incwadana yokundwendwela.
- Ezinye iivenkile zifuna igalelo lokuthenga lokuqala.
NgeVenkile ye-Intanethi
- Ukukhetha iimpahla kunye nomqondiso "wokufaka". Xa usenza i-odolo ebhasikithini, kufuneka ukhethe "indawo yokufakwa kwendawo".
- Thatha intengo yokuthenga.
- Kwivenkile ekuthatheni ukuthengwa kunye nokujonga.
- KwiSebe leTyala leVenkile, yenza isivumelwano, ngelixa incwadana yokundwendwela ifuneka.
- Hlawula isitoli sokuqala kwaye uthathe iimpahla.
Ingcebiso
Ukufaka isithembiso esilityeleyo, kodwa kufanele ukuba uqiniseke ukuba ungahlawula amatyala. Nangona ukhululwe ngokugqithisileyo, kodwa unoxanduva kwixesha elithile lentlawulo ukuhlawula imali esekwe.
Ukuba usagqiba kwelokuba uthathe umatshini wokuhlamba ngokwamasango, zama ukuyithatha ixesha nje elincinci, cinga malunga nemvumelwano enokubakho, qiniseka ukuba ifune imvumelwano kwaye iqiniseke ukuba ihlole imvumelwano yenyanga.
Ukuba awuyilandeli ishedyuli yokuhlawula yempahla, ivenkile inokunyanzelisa intlawulo kuwe okanye ithathe umatshini wokuhlamba ofunyenweyo.